Effective Date: 7/7/2026
These Membership Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Member," "you," or "your") and the Center for Patient Rights, LLC d/b/a Patient Power USA ("Association," "Company," "we," "our," or "us"), a limited liability company organized to operate as a consumer protection organization that provides advocacy, educational resources, member services, and other membership benefits relating to healthcare, insurance savings opportunities, and healthcare reform initiatives.
By enrolling in membership, renewing membership, or using any membership benefit, you acknowledge that you have read, understood, and agree to these Terms.
Membership is available only to individuals who:
Membership is voluntary and provides access to educational information, advocacy resources, member services, discounts, savings opportunities, and other benefits offered by the Association.
Membership does not constitute:
The Association currently offers:
Monthly Membership
Membership dues are billed every month until cancelled.
Annual Membership
Membership dues are billed annually until cancelled.
Membership benefits begin after enrollment has been accepted and any required initial payment has been successfully processed.
IMPORTANT AUTOMATIC RENEWAL DISCLOSURE
YOUR MEMBERSHIP WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL.
By enrolling, you authorize the Association to automatically charge your designated payment method for recurring membership dues at the then-current membership rate unless and until you cancel.
For Monthly Memberships:
For Annual Memberships:
The recurring charge amount may change as described in these Terms.
You may cancel at any time as described below.
This automatic renewal authorization remains in effect until cancelled.
The automatic renewal disclosure is intended to comply with applicable federal law and the automatic renewal laws of all applicable states, including states with enhanced disclosure requirements.
You may cancel your membership at any time by using one of the cancellation methods made available by the Association, including any cancellation method required by applicable law.
Cancellation becomes effective upon receipt and processing of your cancellation request.
Upon cancellation:
Information, educational materials, newsletters, reports, guides, and other informational resources received before cancellation may continue to be retained and used for your personal, non-commercial purposes.
Except where prohibited by applicable law:
Nothing in this section limits any non-waivable consumer rights provided by applicable law.
The Association reserves the right to change membership dues at its sole discretion.
Unless a longer notice period is required by applicable law, Members will receive at least thirty (30) days' advance notice before any increase affecting future recurring charges.
Continued membership after the effective date of the new dues constitutes acceptance of the revised dues.
Membership benefits may change over time.
The Association reserves the exclusive right, in its sole discretion, to:
Notice of benefit changes will be provided only where required by applicable law.
The Association makes no guarantee that any particular benefit will remain available for any specific period.
By enrolling, you expressly authorize the Association and its authorized representatives to contact you using the information you provide.
This consent includes:
Communications may include:
Message and data rates may apply.
Message frequency varies.
Consent is not required to purchase any goods or services where prohibited by law.
You may revoke marketing communication consent using available opt-out methods. Certain operational communications necessary to administer membership may continue as permitted by law.
Text messaging participants may reply STOP to discontinue marketing text messages and HELP for assistance where applicable.
Following cancellation, the Association may contact former Members regarding opportunities to re-enroll or resume membership, unless the former Member has exercised any legally applicable right to opt out of such communications.
Members may participate in the Association's referral program using only referral methods approved by the Association.
A referral reward is earned only if:
Monthly Membership Referral Reward
The referring Member receives one (1) free month.
The referred Member also receives one (1) free month.
The free month will be applied by billing $0.00 for membership dues during the third monthly billing cycle following the referred Member's enrollment and successful payment of the first two (2) monthly dues payments.
Annual Membership Referral Reward
The referring Member receives one (1) additional month added to the end of the then-current membership term
The referred Member receives one (1) additional month added to the end of the then-current membership term.
Referral rewards:
Fraudulent referrals may result in cancellation of rewards and termination of membership.
Members agree to:
By enrolling, you authorize recurring electronic charges to your selected payment method for all applicable dues until cancellation.
If a payment method expires or becomes invalid, you authorize the Association to update payment information where permitted through payment network account updater services.
Returned payments, declined transactions, and chargebacks may result in suspension or termination of membership.
The Association may collect unpaid balances using lawful collection methods.
If payment cannot be processed, the Association may:
Collection, use, storage, and disclosure of personal information are governed by the Association's Privacy Policy, which is incorporated into these Terms by reference.
All Association content, publications, logos, trademarks, educational materials, reports, videos, graphics, software, and other materials remain the exclusive property of the Association or its licensors.
No ownership rights are transferred through membership.
To the maximum extent permitted by law, membership services are provided "AS IS" and "AS AVAILABLE."
The Association disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, the Association shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from membership or use of member services.
Where permitted by law, the Association's aggregate liability shall not exceed the membership dues paid by the Member during the twelve (12) months immediately preceding the event giving rise to the claim.
Some jurisdictions do not permit certain liability limitations; those limitations apply only to the extent permitted by applicable law
The Association may introduce Members to third-party products or services.
The Association is not responsible for the products, services, pricing, availability, conduct, or representations of third parties.
Members contract directly with third-party providers.
The Association may suspend or terminate membership for:
Except where preempted by federal law or prohibited by applicable consumer protection statutes, these Terms shall be governed by the laws of the state designated in the Association's organizational documents without regard to conflict-of-law principles.
Where permitted by law, disputes shall first be submitted to informal resolution.
If unresolved, disputes may be resolved through binding arbitration administered under applicable arbitration rules, unless prohibited by law or unless a Member validly exercises any applicable right to pursue claims in court.
Nothing limits any non-waivable rights under applicable consumer protection laws.
Where permitted by law, Members agree that disputes shall be brought only in an individual capacity and not as part of any class, consolidated, or representative proceeding.
This provision applies only where enforceable under applicable law.
Members consent to receive disclosures, notices, agreements, amendments, renewal notices, and other communications electronically.
Electronic communications satisfy any legal requirement that communications be provided in writing, except where prohibited by law.
Notices may be delivered by:
The Association shall not be liable for delays or failures caused by events beyond its reasonable control.
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
Failure to enforce any provision shall not constitute a waiver of future enforcement.
These Terms, together with the Privacy Policy and any enrollment disclosures expressly incorporated by reference, constitute the complete agreement between the Member and the Association
The Association may modify these Terms from time to time.
When required by law, advance notice of material changes will be provided.
Continued membership following the effective date of revised Terms constitutes acceptance of the updated Terms, except where applicable law requires affirmative consent.
By completing enrollment, the Member acknowledges:
Understand Your Insurance ∙ Reduce Healthcare Costs ∙ Get Expert Help You Can Trust
All In One Place.