Welcome to OCO 20/20. These terms and conditions ("Terms") outline the rules and regulations for the use of OCO 2020 Inc.'s Website, located at https://www.oco2020.com (the "Service").
By accessing this Service, we assume you accept these Terms. Do not continue to use OCO 20/20 if you do not agree to all of the Terms stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: "Client", "You" and "Your" refers to you, the person log on this website and compliant to the Company’s terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to OCO 2020 Inc. "Party", "Parties", or "Us", refers to both the Client and ourselves.
Service: The OCO 20/20 web application and desktop application provided by OCO 2020 Inc.
User: Any individual or entity using the Service.
Content: All information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials displayed on or available through the Service.
To access certain features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
You are responsible for safeguarding your account password and for any activities or actions under your account. OCO 2020 Inc. cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation.
We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, not current, or incomplete.
You agree to use the Service only for lawful purposes and in accordance with these Terms.
Permitted Uses: You may use the Service to check insurance reimbursements, process Explanation of Benefits (EOB) documents (via the desktop application), upload processed data, manage your account, and utilize other features as intended by OCO 2020 Inc.
Prohibited Uses: You agree not to:
The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of OCO 2020 Inc. and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries.
OCO 2020 Inc. grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes, subject to these Terms.
You are solely responsible for any data you upload to the Service, including data from Excel files generated by the desktop application. You represent and warrant that you have all necessary rights to upload such data and that your data does not violate any third-party rights or applicable laws.
OCO 2020 Inc. does not claim ownership of the data you upload. However, by uploading data, you grant OCO 2020 Inc. a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such data solely for the purpose of providing and improving the Service.
You acknowledge that the Service includes measures to prevent the storage of raw Excel files and to validate uploaded data structure. You agree not to attempt to circumvent these measures or upload data containing PHI.
Access to certain features of the Service may require a paid subscription. Subscription fees, terms, and features are described on our website.
All payments are processed through our third-party payment processor, Stripe. By providing payment information, you agree to Stripe's terms and conditions. OCO 2020 Inc. does not store your full credit card information.
Subscriptions will automatically renew unless cancelled by you prior to the renewal date. You may cancel your subscription at any time through your account settings. No refunds will be provided for partial subscription periods.
We reserve the right to change our subscription fees upon reasonable prior notice.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. OCO 2020 INC. MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND HEREBY DISCLAIMS AND NEGATES ALL OTHER WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS.
OCO 2020 Inc. does not warrant that the Service will be uninterrupted, timely, secure, or error-free. While we strive for accuracy, information related to CPT codes and insurance reimbursements is for informational purposes only and should be independently verified. OCO 2020 Inc. is not liable for any decisions made based on information provided by the Service.
IN NO EVENT SHALL OCO 2020 INC. OR ITS SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION) ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, EVEN IF OCO 2020 INC. OR AN OCO 2020 INC. AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless OCO 2020 Inc., its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of these Terms.
If you wish to terminate your account, you may simply discontinue using the Service or cancel your subscription through your account settings.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
If you have any questions about these Terms, please contact us at: oco2020inc@outlook.com.
Legal Disclaimer: The information provided in these Terms of Service is for general informational purposes only, and does not constitute legal advice. OCO 2020 Inc. is not a law firm and does not provide legal services. You should consult with a qualified legal professional to ensure compliance with all applicable laws and regulations for your specific situation.
Last Updated: May 10, 2025