Banto

Last Updated: January 13, 2026

These Terms of Service ("Terms") govern access to and use of the Banto platform, websites, applications, software, APIs, and related services (collectively, the "Services") operated by Banto LLC ("Banto," "we," "us," or "our").

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

1. Definitions

"Provider" means any healthcare clinic, physician, medical practice, or authorized staff member using Banto to present treatment plans, collect payments, or communicate with patients.

"Patient" means any individual presented with treatment information, pricing, or payment options through Banto.

"Protected Health Information" or "PHI" has the meaning set forth in HIPAA.

"Payment Processor" means third-party entities (including but not limited to Stripe, Inc.) that process transactions on behalf of Providers.

2. Nature of Services

2.1 What Banto Does

Banto is a software platform that:

Displays treatment plans, pricing, and financing options created and approved by Providers
Facilitates payment collection, deposits, and installment plans
Enables appointment scheduling and patient communications
Integrates with Payment Processors and financing partners

2.2 What Banto Does Not Do

Banto does not:

Provide, supervise, or influence medical care, advice, diagnosis, or treatment
Verify the clinical accuracy, necessity, or appropriateness of any treatment plan
Set or validate Provider pricing
Determine insurance coverage or reimbursement eligibility
Act as a medical provider, billing agent, or collection agency

All medical decisions, treatment plans, and pricing are the sole responsibility of the Provider.

3. Provider Terms

3.1 Provider Responsibilities

By using Banto, Providers represent, warrant, and agree that:

Medical Authority: All treatment plans, diagnoses, and recommendations entered into Banto are made by licensed, qualified medical professionals in accordance with applicable standards of care.
Pricing and Billing Accuracy: All pricing, fees, and charges displayed through Banto are accurate, lawful, and authorized. Providers are solely responsible for compliance with truth-in-billing laws, informed consent requirements, and consumer protection regulations.
Patient Consents: Providers have obtained all legally required consents, including but not limited to:
- Informed consent for treatment
- Financial responsibility acknowledgments
- HIPAA authorizations
- Payment authorization
Regulatory Compliance: Providers comply with:
- HIPAA and state privacy laws
- FDA, DEA, and state medical board regulations
- Fair Credit Reporting Act (FCRA) if reporting to credit bureaus
- Truth in Lending Act (TILA) and Regulation Z if offering financing
- State medical billing and disclosure requirements
- Anti-kickback and Stark Law provisions
Licensure: Providers maintain all required licenses, certifications, and malpractice insurance.

3.2 Prohibited Provider Conduct

Providers may not:

Enter fraudulent, misleading, or medically inappropriate treatment plans
Charge fees not disclosed to or authorized by the patient
Use Banto to process payments for services outside their scope of practice
Misrepresent the nature, cost, or outcome of treatments
Violate any patient privacy rights

3.3 Provider Liability

Providers are solely liable for:

Medical malpractice, negligence, or professional misconduct
Billing errors, disputes, or chargebacks
Patient injury or dissatisfaction related to care
Regulatory violations or loss of licensure
Refund obligations to patients

Banto has no obligation to monitor, audit, or verify Provider conduct.

4. Patient Terms

4.1 Patient Acknowledgments

By using Banto, Patients acknowledge and agree that:

Provider Relationship: Banto is transmitting information on behalf of your healthcare provider. Your provider, not Banto, created your treatment plan and set your pricing.

No Medical Advice: Banto does not provide medical advice. All questions about your diagnosis, treatment options, or clinical outcomes must be directed to your provider.

Binding Financial Commitments: Payments, deposits, and financing agreements you make through Banto are legally binding obligations to your provider and their financing partners.

No Guarantee of Outcomes: Banto makes no representation regarding the success, safety, or appropriateness of any medical treatment.

4.2 Patient Responsibilities

Patients agree to:

Provide accurate personal, medical, and payment information
Honor all payment commitments made through the platform
Direct billing disputes or refund requests to the Provider, not Banto
Notify Banto immediately of unauthorized account access

4.3 Chargebacks and Disputes

If you initiate a chargeback or payment dispute:

Your access to the Services may be suspended
Your Provider may pursue collection or legal action
You remain liable for all amounts owed plus collection costs

Refunds are at the sole discretion of the Provider.

5. Payments and Financing

5.1 Payment Processing

All payments are processed by third-party Payment Processors. Banto does not hold, transmit, or store your full payment credentials.

By submitting payment information, you authorize:

The Provider to charge you for services rendered
The Payment Processor to process transactions on the Provider's behalf

5.2 Financing

If you apply for financing through Banto:

You are entering a separate agreement with the financing provider
Approval, terms, interest rates, and repayment obligations are determined solely by the financing provider
Banto is not a lender and does not extend credit
Banto has no control over approval, denial, or modification of financing terms

5.3 Fees and Charges

For Providers:

Monthly platform subscription fees (if applicable)
Per-transaction processing fees (typically 2.5%–3.5% + $0.30)
Failed payment or chargeback fees

For Patients:

Payment processing fees may apply depending on payment method
Financing may include interest, origination fees, or late fees set by the lender

All fees are non-refundable unless required by law.

6. Scheduling and Appointments

Appointment scheduling through Banto constitutes a binding commitment between Patient and Provider.

Banto is not responsible for:

Provider cancellations or no-shows
Rescheduling errors or conflicts
Availability or wait times
Changes to treatment scope or pricing after booking

Patients must contact Providers directly to modify or cancel appointments.

7. HIPAA and Data Privacy

7.1 Business Associate Relationship

For Providers subject to HIPAA, Banto acts as a Business Associate. A separate Business Associate Agreement (BAA) governs the handling of PHI.

7.2 Patient Data

Patients acknowledge that:

Their data is collected and processed on behalf of their Provider
The Provider, not Banto, is the Covered Entity and determines permissible uses of PHI
Banto uses industry-standard security measures but cannot guarantee absolute security
Data breaches must be reported to the Provider, who is responsible for patient notification

7.3 Data Sharing

Banto may share your information with:

Payment Processors (for transaction processing)
Financing partners (for credit applications)
Service providers assisting with platform operations
Law enforcement (if legally required)

We do not sell patient data to third parties.

8. Intellectual Property

8.1 Banto IP

All software, trademarks, logos, and proprietary elements of the Services are owned by Banto. You may not:

Reverse engineer, decompile, or extract source code
Use Banto trademarks without written consent
Scrape or harvest data from the platform

8.2 Provider-Submitted Content

Providers retain ownership of treatment plans and patient data entered into Banto. By using the Services, Providers grant Banto a limited license to:

Display, process, and transmit content as necessary to operate the platform
Create anonymized, aggregated analytics for internal business purposes

9. Disclaimers and Limitations of Liability

9.1 No Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE".

BANTO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
ACCURACY OR RELIABILITY OF DATA
UNINTERRUPTED OR ERROR-FREE OPERATION

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BANTO SHALL NOT BE LIABLE FOR:

Medical malpractice or provider negligence
Patient injury, death, or adverse outcomes
Provider billing errors or fraud
Payment processor failures or chargebacks
Lost profits, revenue, or business opportunities
Data loss or unauthorized access
Indirect, incidental, consequential, or punitive damages

BANTO'S TOTAL LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE LESSER OF:

$1,000, or
The fees paid by you to Banto in the 12 months preceding the claim

9.3 Basis of the Bargain

These limitations are fundamental to the agreement between you and Banto. The Services would not be provided without these protections.

10. Indemnification

10.1 Provider Indemnification

Providers agree to indemnify, defend, and hold harmless Banto, its officers, employees, and affiliates from any claims, damages, or expenses (including reasonable attorneys' fees) arising from:

Medical malpractice or negligence
Billing disputes or fraud
Regulatory violations (HIPAA, state medical boards, FTC, etc.)
Patient lawsuits related to care, outcomes, or pricing
Breach of these Terms

10.2 Patient Indemnification

Patients agree to indemnify Banto from claims arising from:

Fraudulent payment information
Misuse of the platform
Violation of these Terms

11. Termination and Suspension

11.1 Termination by Banto

Banto may suspend or terminate your access immediately, without notice, if:

You violate these Terms
Your account poses legal, regulatory, or reputational risk
Required by law or Payment Processor
Your payment method fails or is disputed

11.2 Effect of Termination

Upon termination:

Your access to the Services ends immediately
Outstanding payment obligations remain due and payable
Providers must retrieve all patient data within 30 days
Banto may delete data after the retrieval period

Sections 8–14 survive termination.

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

12.2 Venue

Any dispute must be brought exclusively in the state or federal courts located in Travis County, Texas.

You waive any objection to jurisdiction or venue in these courts.

12.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in a class action, collective action, or representative proceeding.

13. Miscellaneous

13.1 Entire Agreement

These Terms, together with any BAA or Provider Agreement, constitute the entire agreement between you and Banto.

13.2 Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

13.3 No Waiver

Failure to enforce any provision does not waive Banto's right to enforce it later.

13.4 Assignment

You may not assign these Terms without Banto's written consent. Banto may assign these Terms at any time.

13.5 Force Majeure

Banto is not liable for delays or failures caused by events beyond its reasonable control (e.g., natural disasters, cyberattacks, government actions).

14. Changes to These Terms

Banto may update these Terms at any time by posting a revised version at usebanto.com/terms.

Continued use of the Services after changes constitutes acceptance of the updated Terms.

Material changes will be communicated via email or in-app notification.

15. Contact Information

Banto LLC
Email: team@usebanto.com

By using Banto, you acknowledge that you have read, understood, and agree to these Terms.

Banto Terms of Service