Claim a founding spot

Client Terms

Effective date: November 2, 2026

These terms explain how Own The Contract works, what we promise, and what we can't promise. "We" and "us" means Cal Marran, an Illinois sole proprietor doing business as Own The Contract. "You" means the licensed therapist (or practice) who hires us.

If you have a question about anything here, email us at [email protected] before you pay.

1. What we do

We prepare and submit insurance network applications for you. This is called "credentialing." For each insurer you buy, we:

We are a paperwork service. We are not a law firm, accountant, billing company, insurer, or licensing board. We don't give legal, tax, or clinical advice.

Not included (unless we agree in writing):

2. Prices

PlanPrice
One insurer$149 per insurer
Five insurers$599 for 5 insurers (works out to $119.80 per insurer)

These are founding prices for our first 10 clients. Prices for later clients may be different. Any change won't affect anything you've already paid for.

You pay up front by card through Stripe, our payment processor. We never see or store your full card number.

Before you pay, we check whether each insurer you pick looks open to new providers like you in your area. If one looks closed, we tell you, so you can choose another one before paying.

3. Our timing promise and refund

Our goal: we aim to submit each insurer's application within 5 business days after your documents are complete.

Our guarantee: for each insurer you buy, we will submit the application and post proof on your status page within 10 business days after your documents are complete.

If we miss the 10 business days for an insurer, we refund 100% of what you paid for that insurer: $149, or $119.80 per insurer on the 5-pack. Just ask. No argument.

The 5-day goal is a target, not a guarantee. Only the 10-business-day deadline is tied to a refund.

What "proof" means. Whatever the insurer gives when we submit:

Some insurers don't give a number right away. For those, proof is a dated copy of what we sent, and we add the insurer's number when it arrives.

What "documents complete" means. All of these are true:

  1. Everything on our intake checklist is in, checked, and consistent.
  2. You've approved ("attested") your CAQH profile and authorized each insurer you bought in CAQH.
  3. You've given us the website access each insurer needs, by adding us as a user, never by sharing a password.

We'll email you the date your clock starts. Paying alone does not start the clock.

"Business days" means Monday through Friday, not counting U.S. federal holidays.

The clock pauses while:

We'll tell you in writing when the clock pauses and when it starts again. A pause stops the clock; it does not reset it to zero.

4. If an insurer's panel is closed

Insurers can close their networks ("panels") in some areas, sometimes without warning. If an insurer tells us its panel is closed before we can submit, you choose:

5. No guarantee of approval

Only the insurer decides whether to accept you, when, at what rate, and with what start ("effective") date. We do not guarantee:

Any timeline we mention is a good-faith estimate.

Our refund promise in Section 3 covers our own deadline only. It is not a promise about any insurer's decision.

6. Keep billing the way you do now

Keep billing through your current platform (for example Headway, Alma, or Grow), or however you bill today, until each new contract's effective date is confirmed in writing and you're set up in that insurer's system. Sessions before the effective date may be paid out-of-network, or not at all.

We'll remind you of this, but you decide when to switch. Before moving any clients, check your platform agreement for its rules about notice and clients.

7. Limits on our responsibility

We are not responsible for lost income or other indirect losses. That includes:

If something goes wrong, our total responsibility is limited to what you paid us for the service in question in the 12 months before the claim.

Some places don't allow certain limits like these. Where that's the case, these limits apply only as far as the law allows.

8. What you agree to do

If we're waiting on you for more than 30 days, we may pause your file. It restarts when you respond, and your 10-business-day clock picks up where it left off.

9. Passwords and sensitive information

10. Refunds and cancelling

To ask for a refund, email [email protected]. Refunds go back to the card you paid with.

11. When we can stop working with you

We can end the service if you:

If that happens, we refund every insurer we haven't submitted yet.

12. Disputes, changes, and the rest

13. Contact

Cal Marran, an Illinois sole proprietor doing business as Own The Contract
Chicago, IL
[email protected]