Mandatory Legal Disclosure
& Terms of Resource

1. Nature of Resource: Federal Filing MirrorInsuranceBananas is a technical retrieval utility. This platform acts as a passive digital mirror for Machine-Readable Files (MRFs) mandated by 26 CFR § 54.9815-2715A3. InsuranceBananas does not author, calculate, or verify the underlying data; we simply provide a human-readable interface for the files insurers are legally required to make public.2. The Attestation Clause (Executive Accountability)The data presented is retrieved from filings anchored by a CMS Schema 3.0 Compliance Attestation. Every record identifies the Attesting Official (CEO/CFO) who legally vouched for the accuracy of the filing. Any discrepancies between the mirrored data and actual billing are a matter of federal regulatory compliance for the filing entity, not the retrieval utility.3. No-Reliance & Status of RecordNot a Price Guarantee: This record reflects a documented filing as of the Timestamp of Retrieval. It is not a contract, a rate lock, or a guarantee of payment.Contractual Precedence: Final patient responsibility is determined exclusively by your individual policy terms and the provider’s active contract at the point of care.Inquiry Only: This is a "Snapshot in Time" of a public record. InsuranceBananas does not verify the clinical availability or the "in-network" status of any specific provider beyond what is documented in the mirrored MRF.4. No Medical or Financial AdviceInsuranceBananas does not provide medical or financial guidance. We do not recommend providers or treatments. This resource is for audit and transparency purposes only. Users are strictly directed to confirm all rates with their carrier’s member services department before undergoing medical procedures.5. Independent Entity & Non-AffiliationInsuranceBananas is a strictly independent data repository. We are not a partner, affiliate, or representative of any insurance carrier, hospital system, or government agency. The appearance of a corporate logo, EIN, or executive name is a requirement of the CMS Schema 3.0 filing standard and does not imply a relationship between InsuranceBananas and the filing entity. We are an outside observer of a public record.6. Limitation of Liability & User Assumption of RiskUse of this resource is at the user’s sole risk. InsuranceBananas provides this mirror "as-is" and "as-available." To the maximum extent permitted by law, InsuranceBananas and its operators shall not be liable for any financial disputes, medical outcomes, or "surprise billing" incidents. The user acknowledges that they are accessing a public filing mirror and assumes all responsibility for verifying the current validity of the data with their insurer’s member services before proceeding with care.