Denvow is template-and-tooling, not legal counsel.

When you submit a denial through Denvow, the intake captures two things: the document you upload (your insurer’s denial letter or Explanation of Benefits), and four short answers you provide — insurer, plan type, the denial reason stated on the letter, and the state the plan was issued in. Together they are enough to pick the right state code, ERISA procedure, or ACA framing for the playbook your appeal is built on.

We never ask for more. There is no intake form with your date of birth, your address, your provider name, or your member ID. The denial letter itself is the only clinical-adjacent material that reaches our draft.

Denvow is not a medical-records system. We do notcollect full medical records, clinical chart notes, lab results, diagnostic images, pathology reports, or any Protected Health Information (PHI) beyond what is already printed on your insurer’s denial or EOB. If your denial letter names a procedure code or a diagnosis code, those codes are read, not the chart that produced them. Upload only the denial letter or EOB you want appealed — there is no field for anything else.

The uploaded document and your four intake answers stay in our draft system for thirty days. We keep them long enough to handle reasonable redrafts (“the procedure code is actually 93306, not 93000”) and customer-support follow-up within the appeal window. We do not build a long-term dossier of members, claims, or letters; we do not profile members; we do not retrain any model on your document.

On day thirty, the uploaded document and intake answers are deleted by an automated job. What stays, in aggregate form only, is an anonymized counter of letters drafted for capacity planning.

You can ask for earlier deletion at any time. Email denvow@polsia.app with “data deletion” in the subject line and the email address tied to your draft. We purge the uploaded document and the four intake answers within one business day and confirm by reply.

Your purchase record (a Stripe payment row) is kept separately for tax and chargeback-dispute reasons and is not deletable on request — it is not tied to your draft. If you ask for that row to be removed, we can anonymize the buyer-name and email fields but the date, amount, and last-four card digits stay on the books.

We do not sell your document, your intake answers, or your contact information. We do not use them for advertising. We do not share them with third parties except the payment processor (Stripe, for the charge) and the email provider (for the receipt and the delivery of the drafted letter), and those vendors see only what their role requires.

Using Denvow binds you to these terms. If you do not agree, do not use the service.

Denvow is a template-letter drafting service. We compose a formal appeal letter from the denial letter or EOB you upload and the four short inputs you provide. Denvow is not a law firm, does not give legal advice, and does not form an attorney–client relationship with you. You remain responsible for verifying the citations, completing the facts, and editing the letter before you send it.

You confirm that you have the right to share any document you upload (typically, your own denial letter or EOB). You agree not to submit forged, fraudulent, or knowingly false insurance claims, and not to use the service to harass, threaten, or defame an insurer, a reviewer, or a third party.

Denvow retains the playbook, the citation engine, and the letter-generation tooling. You retain the letter you produce and the underlying facts in it: the right to use it, edit it, sign it, and send it. There is no license fee for the letter you draft through the service.

Charges are processed through Stripe. One-time letters and monthly subscriptions are non-refundable once the draft is delivered; if something is wrong with a draft, contact us inside the 30-day window and we’ll revise or refund on a case-by-case basis. Email denvow@polsia.app.

The service is provided “as is”. We do not warrant that an appeal will be successful — the outcome depends on the insurer, the clinical evidence, the deadline you face, and the policy terms of your plan, none of which we control.

To the maximum extent permitted by law, Denvow’s total liability to you for any claim arising out of the service is capped at the amount you paid for the relevant letter, or, if you are on a subscription, the subscription fees you paid in the prior twelve months — whichever is greater.

Denvowmay refuse abusive use, fraudulent submissions, or use that falls outside the service’s scope. Your remedy if we decline a draft is to stop using the service; we will not bill for drafts we decline.

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

Denvow may update this page as the service evolves. The date at the bottom of the page records the last change. Continued use of the service after a change means acceptance of the new terms.