Effective Date: June 1, 2024
Last Updated: March 18, 2025

1. Acceptance of Terms

By accessing and using Gradly ("we," "us," or "our") services, including our website insurance.gradly.us, and purchasing our insurance plans, you agree to comply with these Terms & Conditions. If you do not agree, please do not use our services.

Gradly reserves the right to update these Terms & Conditions at any time without prior notice. The latest version will always be available on our website. Continued use of our services constitutes acceptance of any modifications.

2. Eligibility

Gradly insurance plans are available exclusively to international students studying in the United States. By purchasing a policy, you confirm that:

  • You are at least 18 years old or have obtained parental/guardian consent.
  • You are an eligible student enrolled at a U.S. university.
  • You have provided accurate and truthful information during the application process.

3. User Responsibilities

As a Gradly policyholder, you agree to:

  • Provide accurate personal and academic information.
  • Maintain active student status to remain eligible for coverage.
  • Inform Gradly immediately if your university rejects your waiver request.
  • Abide by the terms of the insurance provider and third-party partners (such as Cigna PPO, and USRx).
  • Not misuse, manipulate, or attempt fraudulent activities related to your insurance coverage.

Failure to comply may result in cancellation or denial of services.

4. Insurance Policy Terms

  • Coverage is subject to the specific terms outlined in your policy documents.
  • The insurance period starts on the coverage start date and ends on the coverage end date.
  • Claims must be submitted in accordance with the insurer's guidelines & reimbursement request must be submitted within 180 days from the date of service.
  • Gradly does not process claims directly—claims are managed by third-party administrators.

5. Payments & Fees

  • All insurance premiums must be paid in full after the waiver is accepted.
  • Payment processing is handled by Stripe and is subjected to their terms.
  • Chargebacks or unauthorized disputes may result in policy cancellation and additional fees.
  • Any fees related to transactions, including processing fees, are non-refundable.
  • Late Fees: If the outstanding premium is not settled within 7 days after waiver approval, a late fee of $50 per week will be incurred.

6. Cancellation & Refunds

Refunds are only available if your university rejects your waiver request and a reappeal is not possible. Conditions include:

  • Waiver rejections must be reported proactively.
  • If reported late, Gradly will retain the premium for the duration the policy remained active and refund only the unused portion.
  • Refunds are processed within 5-10 business days after verification.
  • Under no other circumstances will a refund or cancellation be issued.

For more details review the Cancellation & Refund Policy

7. Privacy & Data Usage

Gradly collects and processes personal data in accordance with our Privacy Policy. By using our services, you consent to:

  • The collection of personal, academic, and insurance-related data.
  • The secure sharing of data with third parties (Cigna PPO, USRx, and others) for insurance processing.
  • SMS communications in compliance with A2P 10DLC regulations (opt-out available by replying "STOP").
  • Secure data transfers via EDI 834 for enrollment and claims processing.

For full details, review our Privacy Policy.

8. Data Security, HIPAA & PHI Compliance

Gradly is committed to protecting personal and health-related information in accordance with applicable industry standards, including HIPAA where required.

  • Handling of Protected Health Information (PHI): Certain insurance-related data may qualify as PHI under HIPAA regulations. We implement safeguards to protect PHI in compliance with HIPAA and other privacy laws.
  • EDI 834 Data Transfers: We securely exchange insurance enrollment data with third parties using EDI 834 standards.
  • Third-Party Compliance: Partners handling PHI on our behalf are required to follow HIPAA security standards.
  • Disclaimer: Gradly is not a Covered Entity under HIPAA, but works with Business Associates who comply with HIPAA regulations.

9. Limitation of Liability

Gradly is not responsible for:

  • Decisions made by universities, insurance underwriters, or claims administrators.
  • Losses resulting from failure to comply with waiver deadlines.
  • Delays or service interruptions caused by third parties.
  • Healthcare expenses beyond policy coverage.

Gradly's liability is limited to the maximum extent permitted by law.

10. Dispute Resolution

  • Any disputes arising under these Terms & Conditions shall be resolved through binding arbitration, in accordance with AAA (American Arbitration Association) rules.
  • Users waive the right to a class-action lawsuit.
  • Claims must be filed within one year of the issue arising.

11. Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of Delaware, and any disputes shall be handled within the courts of that jurisdiction.

12. Contact Us

For any questions regarding these Terms & Conditions, contact us at:

📧 Email: insurance@gradly.us
📍 Mailing Address: 386 Brook St, Providence RI 02906 (USA)
📞 Phone: +1 628 207 0254