A 26-page terms of service, a homeowners policy, and a hospital statement look different. They fail in the same way: the beginning is introductory, and the binding language sits later. If a tool only “understands” the first few thousand characters, it can sound confident and still miss the auto-renewal, the water-damage exclusion, or the duplicate lab charge.
What was going wrong
Short demos work. Real documents do not. Apple-style terms easily pass 50,000 characters. Insurance policies bury exclusions after the declarations. Medical bills put totals on page one and the line items after that.
Two other problems showed up in testing:
- PDF upload is not the same as paste. A text PDF can still lose columns, headers, and some pages when the browser extracts letters. Pasting from the official webpage is often closer to the real contract.
- Personal details do not help the analysis. An SSN, email, or member ID does not change whether a clause is one-sided. Sending those strings to a model is extra risk with no extra insight.
What we changed
Across TermsGuard, CoverClear, and BillClear:
- Common IDs are redacted first. Patterns such as Social Security numbers, emails, phone numbers, dates of birth, and labeled account or member IDs are stripped before the model runs.
- The first summary uses one credit. Follow-up questions on that document do not burn another credit.
- One credit pool. Free, pay-as-you-go, and Pro work in all three apps. You do not buy a separate plan for insurance or medical bills.
TermsGuard
Built for contracts, terms of service, privacy policies, and NDAs. Free stays a short pass (~5,000 characters). Paid plans can send up to ~50,000 characters in one analysis. That is enough for most consumer terms. A very long file can still be trimmed at the end — the last page of a 51,000-character Apple-style ToS is an example.
If you have a choice, paste the official webpage text for a long ToS. Use PDF when that is the only copy you have.
CoverClear
Built for homeowners, renters, auto, and small-business policies. Long policies are split into sections so coverage, limits, exclusions, and duties after a loss are not judged only by the opening pages. The output is a plain-English coverage summary, exclusion and gap flags, Q&A, and a PDF report.
CoverClear is not an insurer or a broker. Confirm coverage with your carrier.
BillClear
Built for hospital bills, clinic statements, and insurance EOBs. Long statements are sectioned so later line items still show up in the summary and flags. The useful output is not “this bill looks high.” It is: what was billed, what looks duplicate or vague, and what to ask before you pay.
BillClear is not a medical provider or billing company. It does not guarantee a dispute will succeed.
What this is not
These tools do not replace a lawyer, an agent, or a patient advocate. They do not store your files as a permanent archive. They do not invent facts that are missing from the document you uploaded. If a number, exclusion, or clause is not in the text we received, the honest answer is that it is not in the text we received.
Try it on a document you already have
The test that matters is not a sample paragraph. Use a lease, a freelance agreement, a renewal policy, or last month’s hospital statement. If the summary names a clause you would actually ask about, the tool is doing the job.