Terms of Service

Version: v1 Effective Date: 2026-05-24

These Terms of Service ("Terms") govern your use of services provided by Freeman Filing LLC ("Freeman Filing", "we", "us") through the website freemanfiling.io, the freemanfiling.io-helpdesk application, and any related properties. By creating an account, paying, or otherwise using our service you agree to these Terms.

1. What We File

Freeman Filing prepares and submits paperwork on your behalf to state and federal benefits agencies. The programs we currently support are:

Medicaid (initial application, renewal, and recertification)
Supplemental Nutrition Assistance Program (SNAP / "food stamps")
State cash-assistance programs (TANF and equivalents)

We are not a government agency. We do not determine eligibility. The state or federal agency receiving the filing makes the final decision. Our service is the preparation, signature collection, transmission, and follow-up — not the decision itself.

2. Billing — BNPL Installment Plan

Our service is sold as an annual contract of three hundred fifty US dollars ($350.00 per year). Payment is collected as a "Buy Now, Pay Later" (BNPL) installment plan administered by PayBright: twelve monthly installments of $29.16 (with the final installment adjusted for rounding). PayBright, not Freeman Filing, initiates each monthly charge against the payment instrument you provided.

By accepting these Terms you authorize PayBright to charge the payment instrument on file once per month for twelve months. You also agree that:

The annual contract is not pro-rated on early termination by you. The full annual price remains due even if you stop using the service partway through the year.
A failed monthly charge does not by itself cancel the contract or end the service.
All disputes regarding a specific monthly charge must be raised first with PayBright through their normal dispute channel.

3. AI-Assisted Filing Disclosure

Your application is prepared with substantial help from automated agents (large-language-model based bots). These bots ask you questions, fill state forms, scan your uploaded documents, and follow up with the state on your behalf. A bot may write the wording of a chat reply, draft a question in your application, or pre-fill a field from a document you photographed.

A human reviewer is involved at material decision points but is not in the loop for every keystroke. We disclose this so that you understand the nature of the service you are buying.

4. Triple-Check Gate Before State Submission

No filing is transmitted to a state portal until it has passed our triple-check gate. Three independent automated reviewers (internally named FilingBot, ScanBot, and DoubleCheckBot) must each independently agree that the application is internally consistent, that all required fields are present, and that the supporting documents match the answers you gave. If any of the three disagrees, the filing is held and either a human reviewer or you yourself are pulled in to resolve the conflict before submission. The triple-check gate cannot be bypassed by our staff.

This is a meaningful safeguard, but it is a process — not a guarantee of approval. The state may still request additional information, deny on substantive grounds, or take longer than expected.

5. Your Responsibilities

You agree that:

The information you give us is true to the best of your knowledge.
You will respond to our requests for documents and confirmations in a reasonable time so we can meet the state's deadlines.
You will not use Freeman Filing to apply for benefits you know you are not eligible for.
The signature you provide on the filing is your own.

If you give us information you know to be false, that is your liability — not ours — under state and federal benefits-fraud law.

6. Communication

All customer-facing communication runs through Facebook Messenger. We use Messenger for notifications and tap-through links only. Any handling of your protected health information (PHI) happens on our HIPAA-compliant website after you tap a link, not inside Messenger itself. Email is not a supported customer-facing channel. If you contact us by email, we will redirect you back to Messenger.

7. Dispute and Chargeback Process

If you believe a charge is wrong, do this in order:

Message us through Facebook Messenger and describe the issue. Most charge questions are resolved here, often the same day.
If unresolved within seven days, open a dispute through PayBright. PayBright will notify us and we will respond through their dispute process.
If you initiate a chargeback with your card network, we will respond with a documented evidence package. Our evidence package is described in our Refund Policy. We respond to every chargeback; we do not let them lapse.

Initiating a chargeback while service is in flight does not pause our duty to keep your application on track, and we will continue working on your case unless you tell us in writing to stop.

8. Account Termination

You may stop using the service at any time by telling us so in Messenger. Stopping the service does not by itself end the annual contract; see Section 2.

We may end your account if you stop responding to our outreach for an extended period. In that case we use the following passive process: if a scheduled payment is declined, we wait approximately thirty days and try again; if still declined, we wait another thirty days; if still declined after a third attempt approximately ninety days from the first decline, we conclude we have lost contact with you and treat the matter accordingly with the state agency. We do not use the words "cancel", "revoke", or "suspend" in customer communications during this process. If you return to us during or after this window, we will work to reinstate your filing.

9. No Guarantees

We promise to file your paperwork accurately and on time. We do not promise that the state will approve your application, that benefits will continue uninterrupted, or that the law will not change in a way that affects your eligibility. The state portal can be down. A state worker can make a mistake. We will help you when those things happen, but we cannot prevent them.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any claim arising from these Terms or from our service must be brought in Delaware, except where federal law requires otherwise.

11. Arbitration

Any dispute that cannot be resolved through Messenger or through PayBright will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You and Freeman Filing each waive the right to a jury trial and the right to participate in a class action. Either party may bring a qualifying claim in small-claims court instead of arbitration. Either party may seek injunctive relief in court for intellectual-property or confidentiality issues.

This arbitration clause does not waive your right to file a complaint with the Department of Health and Human Services, your state's Medicaid office, your state attorney general, or any other government agency.

12. Changes to These Terms

We may update these Terms. When we do, we will post the new version on this page with a new version number and effective date, and we will tell you in Messenger before the new version applies to you. The version you originally accepted continues to be the one we hold ourselves to for the work we did under it; new work will be governed by the version in effect when that work began.

13. Contact

Questions about these Terms: message us through Facebook Messenger at facebook.com/freemanfiling, or write to Freeman Filing LLC, legal@freemanfiling.com.