Terms of Use

What We Provide

The Panic Manual offers:

• •Educational guides about navigating medical bills and debt collection
• •AI prompt templates you can use with ChatGPT, Claude, and similar tools
• •General information about your rights as a consumer
• •Starting points for your own research

What We Don't Provide

Our content is not a substitute for:

• ✕Legal advice — If you're being sued, consult a lawyer
• ✕Medical advice — Questions about your health? See a doctor
• ✕Financial advice — Major money decisions? Consult a professional
• ✕Tax advice — Debt forgiveness has tax implications—ask a CPA

Accuracy & Limitations

We work hard to keep our information accurate, but:

• •Laws change. What's true today may not be true tomorrow.
• •Laws vary by state. Your state may have different rules.
• •Every situation is unique. General advice may not apply to you.
• •AI tools can make mistakes. Always verify their outputs.

Using AI Tools

When you use our prompts with AI services like ChatGPT or Claude:

• •You're interacting with their service, not ours
• •AI outputs can be wrong, outdated, or hallucinated
• •You're responsible for verifying any AI-generated information
• •Protect your privacy when sharing documents with AI—see our privacy guide

Your Responsibility

By using this site, you agree to use the information responsibly. Verify facts before acting on them. Seek professional help when you need it. Don't rely solely on our guides—or any single resource—for important decisions.

Free to Use

The Panic Manual is free. You can share our guides and prompts. We just ask that you don't misrepresent the content or claim it as your own.

Contact

Questions? Reach out at hello@thepanicmanual.com