Terms and Conditions

These Terms describe the relationship between Client and EarlyOut AI for the EarlyOut AI standard early-out patient account-servicing program. They apply to Client's access to and use of the Services and to any patient accounts Client submits for servicing.

The standard program is designed exclusively for eligible patient accounts submitted before default. It is not a debt-collection service for bad-debt or charged-off accounts.

EarlyOut AI provides outsourced, early-out patient account servicing performed on behalf of the healthcare organization while the organization retains account ownership and control. EarlyOut AI acts as an authorized service provider using Client-approved branding, scripts and workflows.

The Services may include automated phone, text and email patient outreach, secure payment links, payment-plan enrollment, optional bilingual live-agent assistance and reporting tools. Communication channels are activated only where supported by Client's records, applicable consent and legal requirements. EarlyOut AI does not purchase debt and does not take ownership of the underlying patient account.

The standard EarlyOut AI program accepts only eligible patient accounts submitted before default. The Client represents that an account has not been classified as bad debt, written off as uncollectible, or charged off; assigned to a collection agency or attorney; placed in litigation; or made subject to consumer credit reporting.

EarlyOut AI may reject, suspend or return any account that does not meet its eligibility requirements or creates an unsupported legal, licensing, privacy or operational requirement. Final account eligibility is determined during implementation and may vary by state, account type and the executed service agreement.

For each patient account submitted, Client represents and warrants that the account is owned by Client, is eligible under Section 3, and is being submitted before default. Client further represents that it has the authority to submit the account for servicing and to authorize the communications described in these Terms.

Client is responsible for confirming account status at the time of submission and for promptly notifying EarlyOut AI if an account's status changes.

Default and bad-debt classification are determined by the Client's financial policy, applicable law and objective account circumstances. A Client's internal label, accounting classification or system bucket does not, by itself, conclusively determine legal status.

Client is solely responsible for establishing and applying its default and bad-debt determination and for confirming that each submitted patient account has not reached default at the time of submission.

Client agrees not to submit patient accounts that are:

1. Classified as bad debt, written off as uncollectible or charged off;
2. Already assigned to a collection agency or attorney;
3. Placed in litigation or subject to legal collection activity;
4. Being reported, or intended to be reported, to consumer credit bureaus;
5. Subject to active bankruptcy, attorney representation, or an unresolved identity-theft or fraud claim;
6. Of an account type or in a jurisdiction that would require a license or authority EarlyOut AI does not hold; or
7. Otherwise creating an unsupported legal, licensing, privacy or operational requirement.

Client remains the owner and responsible party for every patient account submitted to EarlyOut AI at all times. Client establishes account-eligibility rules and approves scripts, schedules and payment options. EarlyOut AI does not sell or purchase accounts.

Client is responsible for the accuracy and completeness of all account, balance, guarantor, contact, consent and account-status information it provides. Accounts may be submitted through approved CSV upload, SFTP or API. Client agrees to promptly update EarlyOut AI when account information changes.

The Client is responsible for providing accurate consent records, telephone numbers, email addresses, communication preferences, revocations and suppression information. EarlyOut AI does not assume that consent automatically transfers from the Client. Communication channels are activated only when supported by the available records and applicable requirements.

EarlyOut AI maintains communication preferences, opt-out and suppression requests it receives during servicing and honors them going forward. Client remains responsible for supplying accurate preference and revocation information at submission and for keeping it current. Automated or artificial-voice communications are used only when supported by applicable requirements.

Communications use Client-approved branding, scripts and workflows, with EarlyOut AI acting as an authorized service provider. Client reviews and approves the language, cadence and channels used before patient outreach begins, and EarlyOut AI configures the program accordingly.

Patient payments are made directly to the Client or its designated payment processor. EarlyOut AI may facilitate the transaction but does not purchase the account or take ownership of the underlying patient balance.

Except as otherwise agreed in writing, EarlyOut AI charges 8% of patient payments received through automated phone, text, email and self-service payment workflows. Fees are calculated on patient payments received during the active servicing period, not on the balances assigned. Standard implementation has no setup fee.

Except as otherwise agreed in writing, the Client agrees to pay EarlyOut AI a fee equal to 15% of patient payments received when a live agent materially assists with account resolution or payment.

Live-agent assistance includes any of the following: inbound calls handled by a live agent; outbound calls made by a live agent; agent-assisted payment processing; agent-assisted enrollment in a Client-approved payment arrangement; manual account follow-up; live chat or other direct interaction; and any other material live-agent involvement.

If both automation and a live agent materially contribute to a patient payment, the 15% live-agent-assisted rate applies. Where no live agent materially contributes, the automated servicing fee applies.

EarlyOut AI patient account specialists are fully bilingual in English and Spanish. Service availability, hours and staffing levels are governed by the applicable service agreement.

Patient payments received directly by the Client during the active servicing period count as payments received for fee purposes. Client agrees to promptly notify EarlyOut AI of direct payments so servicing activity and fees can be reconciled accurately.

A minimum servicing period of thirty (30) days applies to submitted accounts, unless otherwise agreed in writing. Client agrees to allow EarlyOut AI this 30-day minimum period to service each account before withdrawing it from active servicing.

A separate early-cancellation fee may apply if an account is withdrawn during the minimum servicing period, as stated in the executed agreement. Nothing in these Terms represents that servicing can always be cancelled without any charge.

EarlyOut AI may offer Client-approved payment plans and arrangements to patients and guarantors. Client approves the payment-plan parameters. Current, Client-approved payment arrangements may continue through completion while the account remains eligible, and fees may apply to approved payment-plan installments.

Unresolved accounts must be returned before default or bad-debt classification occurs, using a documented return date established during implementation. The return date must provide sufficient time to stop communications and transfer the account before the applicable default threshold.

Accounts that resolve during servicing are closed. EarlyOut AI does not continue servicing or recovery activity after an account becomes ineligible.

EarlyOut AI will pause communications and return or escalate the account when it receives notice of any of the following:

1. A dispute;
2. Bankruptcy;
3. Attorney representation;
4. Identity theft;
5. Fraud;
6. Deceased status;
7. An incorrect balance;
8. A prior payment;
9. A pending insurance or financial-assistance determination;
10. A cease or channel-specific communication request; or
11. Any other circumstance requiring unsupported special handling.

Client is responsible for investigating and resolving disputes and for instructing EarlyOut AI on next steps.

If EarlyOut AI becomes aware that a patient or guarantor has filed for bankruptcy, is represented by an attorney, is deceased, or is subject to a fraud or identity-theft claim, EarlyOut AI will cease servicing activity on that account and return or escalate it to Client for appropriate handling. Client remains responsible for any legal obligations associated with such accounts.

Advanced Cash Management is a PCI DSS v4.0.1 Level 1 Service Provider. Access to patient account information is role-based, and account files are exchanged through approved secure transfer methods such as SFTP or API connections.

Applicable security and privacy requirements depend on the account type, communication method and jurisdiction. Client remains responsible for supplying accurate eligibility, consent and account-status information and for its own compliance obligations.

For engagements involving protected health information, EarlyOut AI executes a Business Associate Agreement with the covered healthcare organization, and that agreement governs the handling of protected health information. Client is responsible for identifying protected health information and for confirming that its use of the Services is consistent with HIPAA and other applicable healthcare and privacy requirements.

Client grants EarlyOut AI a limited license to use Client-approved names, marks and branding solely to perform the Services. EarlyOut AI retains ownership of its platform, software and underlying technology. Neither party acquires rights in the other's intellectual property except as expressly stated.

The Services may rely on third-party technology providers for communications, payment facilitation, hosting and related functions. EarlyOut AI selects reputable providers but does not warrant the uninterrupted availability of third-party services, and third-party terms may apply.

EarlyOut AI aims to provide reliable access to the Services but does not guarantee uninterrupted or error-free availability. The Services may be temporarily unavailable for maintenance, updates or circumstances beyond EarlyOut AI's reasonable control.

Either party may terminate the relationship as provided in the executed service agreement. Upon termination, EarlyOut AI will stop servicing activity and return open accounts to Client. Fees earned before termination, and any applicable minimum-period or early-cancellation charges, remain payable.

To the maximum extent permitted by law, EarlyOut AI is not liable for indirect, incidental, special or consequential damages, and EarlyOut AI makes no guarantee regarding the amount that will be collected on any account or portfolio. The executed service agreement may further define the parties' liability.

Client agrees to indemnify and hold EarlyOut AI harmless from claims arising out of inaccurate account, consent or status information provided by Client, the submission of ineligible accounts, or Client's breach of these Terms, except to the extent caused by EarlyOut AI's own misconduct, as further defined in the executed service agreement.

Information provided through the Services and this website is for general purposes only and is not legal advice. Legal classification and licensing requirements vary by state, account type and operating model. Client should obtain advice from qualified counsel regarding its own obligations.

Any governing-law or venue provision contained in an executed service agreement, order form or statement of work between the parties will control. No website provision is intended to override a signed agreement.

In the event of any conflict between these Terms and an executed service agreement, the executed service agreement controls.

EarlyOut AI may update these Terms from time to time. Material changes will be reflected by an updated “Last updated” date. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be enforced to the maximum extent permitted by law.

Questions about these Terms may be directed to EarlyOut AI, a solution provided by Advanced Cash Management LLC, by phone at 866-240-2160 or by email at admin@advancedcashmanagement.com.