Terms of Service

Effective Date: 4-25-26

These Terms of Service ("Terms") form a binding agreement between you and ConnectHealthMD ("ConnectHealthMD," "we," "our," or "us") and govern your use of the ConnectHealthMD platform, including our websites, mobile experiences, and any related services (collectively, the "Platform").

By creating an account, accessing, or using the Platform, you agree to these Terms and to our Privacy Policy and any other policies referenced below. If you do not agree, do not use the Platform.

These Terms include an arbitration agreement and class-action waiver in Section 18. Please read those sections carefully - they affect how disputes between you and us are resolved.

1. Who We Are; What ConnectHealthMD Is and Is Not

ConnectHealthMD is a multi-sided online marketplace that connects four types of users:

• Patients who seek health information, services, products, and community.
• Professionals (such as wellness practitioners, coaches, and other non-licensed service providers).
• Licensed Professionals (such as MDs, NPs, PAs, and other clinicians who hold valid professional licensure and, where applicable, DEA registration).
• Vendors (such as pharmacies and product sellers).

ConnectHealthMD is a technology platform - not a medical practice, pharmacy, or provider of healthcare. Clinical care, prescriptions, and product fulfillment are provided by independent Licensed Professionals and Vendors, not by us. We do not practice medicine, dispense medication, or provide medical advice. In a medical emergency, call 911 or go to the nearest emergency room. Do not use the Platform for emergencies.

2. Eligibility

To use the Platform you must:

1. Be at least 18 years old (or the age of majority in your jurisdiction) or be using a Patient account created and supervised by a parent or legal guardian on your behalf;
2. Have the legal capacity to enter these Terms;
3. Provide truthful, current, and complete information during registration;
4. Not be barred from using the Platform under applicable law or by a prior account suspension; and
5. If registering as a Licensed Professional or Vendor, hold and maintain in good standing all required licenses, registrations, and credentials in every jurisdiction in which you operate on the Platform.

We may refuse, suspend, or terminate any account at our discretion.

3. Account Registration; Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You will notify us immediately of any unauthorized access at support@connecthealthmd.com.

Each individual must use their own account. You may not share, sell, transfer, or let others use your account. Licensed Professionals and Vendors agree that the credentialed individual or authorized officer is the only person who may take actions of clinical or contractual consequence on the account.

We may use trust signals, fraud-detection scoring, and identity-verification tools to keep the Platform safe. Triggering these systems may cause temporary or permanent restrictions on your account.

4. Patient-Specific Terms

If you use the Platform as a Patient, you understand and agree that:

• The Platform helps you connect with Licensed Professionals and other providers; it does not provide medical care itself.
• Telemedicine has limitations. Not every condition can be safely or appropriately diagnosed or treated remotely. The Licensed Professional you consult may decline to issue a prescription, may require an in-person visit, or may refer you elsewhere - and that's by design.
• Prescriptions are issued at the sole discretion of the Licensed Professional, who must follow applicable federal and state law. We do not influence clinical decisions, and we do not guarantee that any particular prescription will be issued.
• The information you provide must be truthful and complete. Misrepresenting your identity, age, medical history, or symptoms is grounds for immediate account termination and may be a crime.
• You are responsible for paying for the services and products you order, including any non-refundable consultation fees disclosed at checkout.
• You consent to receive transactional communications about your appointments, prescriptions, orders, and disputes.

5. Professional and Licensed Professional Terms

If you use the Platform as a Professional or Licensed Professional, you represent and warrant that:

• You hold and will maintain all licenses, registrations, certifications, and credentials necessary to provide the services you offer, in every jurisdiction where you treat patients on the Platform.
• You will comply with all applicable laws and professional standards, including the Health Insurance Portability and Accountability Act ("HIPAA"), state telemedicine and corporate-practice rules, the federal Controlled Substances Act and DEA regulations, the Ryan Haight Act, the federal Anti-Kickback Statute, the Stark Law (where applicable), state consumer-protection laws, and any rules of your professional licensing board.
• You - not ConnectHealthMD - are the Covered Entity under HIPAA for the patients you treat using the Platform. Where we act as a Business Associate to you, our handling of Protected Health Information is governed by a separate Business Associate Agreement.
• You will obtain valid informed consent from your patients (including telemedicine consent where required) and maintain medical records consistent with your professional and legal obligations.
• You are solely responsible for your clinical decisions, including whether to issue, refuse, or modify any prescription. ConnectHealthMD does not direct or influence those decisions.
• You will respond to messages, appointment requests, and disputes within commercially reasonable timeframes, and you will not abandon patients without proper transition of care.
• You will use only the payment, payout, advertising, and credentialing tools provided by the Platform for activity that originates on the Platform. You will not steer Platform-acquired patients off-platform to circumvent fees ("platform circumvention").
• You authorize ConnectHealthMD to verify your credentials with primary sources and to revoke access if your credentials lapse.

6. Vendor Terms

If you use the Platform as a Vendor, you represent and warrant that:

• You hold all licenses, permits, and registrations required to sell, ship, and (where applicable) compound or dispense the products you list.
• Every product you list is truthfully described, lawful to sell in the jurisdictions you ship to, and complies with all applicable FDA, FTC, USDA, DEA, state pharmacy-board, weights-and-measures, labeling, and consumer-protection rules.
• For prescription items, you will dispense only against valid prescriptions issued through the Platform and will retain records as required by law.
• You will fulfill orders within the timeframes you publish, ship in safe packaging, and handle returns and recalls in compliance with applicable law and our Seller Policy.
• You will respond to disputes promptly and provide refunds, replacements, or store credit consistent with our dispute-resolution process.
• You will not list counterfeit, misbranded, recalled, or stolen items, items violating third-party intellectual property, or items prohibited by our Seller Policy.

7. The Marketplace; Independent Contractors

Licensed Professionals, Professionals, and Vendors are independent third parties, not employees, agents, partners, or joint venturers of ConnectHealthMD. We do not employ, supervise, or control the medical, clinical, or commercial decisions of any provider or seller. We do not endorse any specific provider, product, or treatment, and any ratings or reviews displayed on the Platform reflect user opinions, not ours.

You acknowledge that you are contracting directly with the other party (Patient, Professional, Licensed Professional, or Vendor) for the underlying services or products. Disputes about the quality, safety, accuracy, or fitness of services or products are between the parties to that transaction. We provide tools to help resolve disputes (Section 12) but are not a party to them.

8. Payments, Fees, and Payouts

Payments are processed by third-party processors (such as Stripe and PayPal) under their own terms. You authorize us and our processors to charge the payment method you provide for any amount you owe.

We charge service fees, marketplace fees, and/or payment-processing fees as published in your dashboard or at checkout. Fees are non-refundable except as expressly stated.

For sellers (Licensed Professionals, Professionals, Vendors), payouts are made on the schedule published in your dashboard, subject to verification, holds, fraud review, and offsets for refunds, chargebacks, and dispute resolutions. We do not perform reverse Stripe transfers; instead, amounts owed to us by sellers are recovered by offset against future payouts and, if necessary, by other lawful means.

We may freeze, hold, or claw back funds in cases of suspected fraud, chargeback, regulatory inquiry, or material breach of these Terms.

9. Refunds, Disputes, and Chargebacks

Our dispute process is the primary way to resolve buyer/seller issues:

• Buyers may open a dispute through the Platform within the time window published in our Buyer/Seller Policy.
• Sellers may propose line-item refunds or full refunds. Buyers may accept or escalate.
• ConnectHealthMD may make a final determination on escalated disputes; that determination is binding for the purpose of how Platform funds are allocated.

Filing a chargeback with your bank or card issuer instead of using our dispute process may result in account suspension and is generally a breach of these Terms. We reserve the right to dispute chargebacks we believe are unwarranted and to recover any chargeback costs from you.

Some items and services are non-refundable by nature (for example, completed consultations, dispensed prescription medications, and digital downloads). Non-refundable items will be marked as such at checkout.

10. Store Credit and Promotions

We may issue store credit, promotional balances, referral bonuses, or invite-ticket balances. Store credit:

• Has no cash value, is not transferable, and is not redeemable for cash except where required by law.
• May be revoked, voided, or expire as described in the relevant promotion or in our policies.
• Cannot be combined with certain other offers if the promotion so states.

Abuse of promotions, referral schemes, or store credit (including self-referrals, manufactured "purchases," or coordinated multi-account schemes) is grounds for forfeiture and account suspension.

11. Subscriptions and Memberships

If you subscribe to a recurring plan, your subscription will renew automatically at the published rate until you cancel. You can cancel at any time from your dashboard; the cancellation takes effect at the end of the current billing period. Refunds for partial periods are not provided unless required by law or stated in the subscription's terms.

We may change subscription pricing or features by giving you advance notice; if you don't agree to the change, your remedy is to cancel before the change takes effect.

12. Prohibited Conduct

You agree not to, and not to assist or permit anyone else to:

1. Use the Platform for any unlawful purpose or in violation of any law or regulation;
2. Misrepresent your identity, credentials, age, location, or medical history;
3. Sell, prescribe, or solicit controlled substances or other regulated items in violation of applicable law (including the Ryan Haight Act and state controlled-substance rules);
4. Practice a regulated profession (medicine, pharmacy, etc.) without holding valid licensure;
5. Circumvent the Platform to take Platform-acquired transactions off-platform;
6. Reverse engineer, scrape, crawl, harvest, or systematically extract data from the Platform without our prior written consent;
7. Upload malware, exploit code, or content designed to disrupt the Platform's security or operations;
8. Attempt to access accounts, data, or systems you are not authorized to access;
9. Submit fake reviews, manipulate ratings, or engage in coordinated inauthentic activity;
10. Harass, threaten, defame, dox, or stalk other users;
11. Post other people's protected health information, sexually explicit material, hate speech, content that sexualizes minors, content that promotes self-harm, or other content that violates our Social Community Policy;
12. Infringe third-party intellectual property, publicity, or privacy rights;
13. Resell, redistribute, or commercially exploit the Platform other than through the marketplace mechanisms we provide; or
14. Create or maintain accounts using another person's identity, fake identity, or in evasion of a prior suspension.

We may investigate suspected violations and may suspend or terminate accounts, withhold payouts, void transactions, and report unlawful conduct to authorities.

13. Content; Reviews; License to Us

You retain ownership of content you post (profiles, posts, reviews, photos, listings, messages, and similar - your "User Content"). By posting User Content you grant ConnectHealthMD a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, modify (for formatting), display, and distribute it for the purpose of operating, promoting, and improving the Platform. This license survives your account closure for User Content others have already interacted with (for example, reviews of a Licensed Professional that other users have already relied upon).

You represent and warrant that you have all necessary rights to grant this license and that your User Content does not violate any law, contract, or third-party right.

We may, but are not obligated to, review, edit, refuse, or remove User Content at our discretion. We may also moderate, demote, or label content that we believe violates these Terms or our policies.

Reviews must be honest and based on real experiences. Fake, paid, or coerced reviews - and review trading, retaliation, or extortion - are prohibited.

14. Our Intellectual Property

The Platform, including our software, designs, logos, brand names, text, graphics, and trademarks, is owned by ConnectHealthMD and our licensors and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Platform solely as permitted by these Terms. All rights not expressly granted are reserved.

15. Third-Party Services and Affiliate Links

The Platform integrates third-party services (such as payment processors, telemedicine video infrastructure, geolocation, analytics, and identity verification) and may include links to third-party websites or affiliate offers. We are not responsible for those third parties or their content, and your use of them is governed by their own terms. Affiliate links may pay us a commission if you complete a qualifying purchase; this does not affect the price you pay.

16. Disclaimers

The Platform is provided "AS IS" and "AS AVAILABLE." To the maximum extent permitted by law, ConnectHealthMD disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and quiet enjoyment. We do not warrant that the Platform will be uninterrupted, error-free, secure, or free of harmful components.

We make no representations or warranties about Licensed Professionals, Professionals, Vendors, products, prescriptions, services, treatments, advice, reviews, or any other content provided by users. ConnectHealthMD is not a healthcare provider and does not provide medical advice. Reliance on any information available through the Platform is at your own risk.

Some jurisdictions don't allow certain warranty disclaimers; in those jurisdictions, only the disclaimers permitted by law apply.

17. Limitation of Liability

To the maximum extent permitted by law, in no event will ConnectHealthMD or its officers, directors, employees, affiliates, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, business interruption, personal injury, emotional distress, or loss of goodwill, arising out of or relating to the Platform or these Terms, whether based in contract, tort, statute, or otherwise, even if we have been advised of the possibility of such damages.

Our aggregate liability to you for any and all claims arising out of or relating to the Platform or these Terms will not exceed the greater of (a) the total amount you paid to ConnectHealthMD in the 12 months preceding the event giving rise to the claim, or (b) US$100.

These limitations are essential elements of our agreement; the Platform would not be provided to you on these terms without them. Some jurisdictions don't allow the exclusion of certain damages; in those jurisdictions, our liability is limited to the minimum extent permitted by law.

18. Dispute Resolution; Arbitration; Class-Action Waiver

Please read this section carefully - it affects your legal rights.

18.1 Informal Resolution First

Before filing a claim, you agree to try to resolve the dispute informally by emailing legal@connecthealthmd.com with a description of the dispute and the relief you seek. We agree to do the same. If we can't resolve it within 60 days, either side may proceed to arbitration.

18.2 Binding Arbitration

You and ConnectHealthMD agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform - including the validity, scope, or enforceability of this arbitration agreement - will be resolved by final and binding arbitration, on an individual basis, administered by JAMS or the American Arbitration Association under its consumer arbitration rules then in effect. The arbitration will take place in Wilmington, Delaware, or by remote/teleconference at the consumer's option, and the arbitrator's award may be entered in any court of competent jurisdiction.

18.3 Class-Action and Jury-Trial Waiver

You and ConnectHealthMD each waive the right to a jury trial and the right to participate in a class action, class arbitration, or representative action. Disputes must be brought in your individual capacity only; the arbitrator may not consolidate claims from multiple persons or preside over any form of representative or class proceeding.

18.4 Exceptions

Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive or other equitable relief in court for actual or threatened infringement, misappropriation, or violation of intellectual property rights or the prohibited-conduct provisions.

18.5 Opt-Out

You may opt out of this arbitration agreement by emailing legal@connecthealthmd.com within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out" and including your name, account email, and a clear statement that you opt out. Opting out doesn't affect any other part of these Terms.

18.6 Governing Law

These Terms are governed by the laws of the State of Delaware without regard to its conflicts-of-law rules. Where arbitration doesn't apply, exclusive jurisdiction lies in the state and federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction there.

19. Indemnification

You will defend, indemnify, and hold harmless ConnectHealthMD and its officers, directors, employees, affiliates, and licensors from any claim, demand, loss, liability, cost, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Platform; (b) your User Content; (c) your breach of these Terms or any policy referenced in them; (d) your violation of any law or third-party right; (e) for Licensed Professionals/Professionals, your provision of services to Patients on the Platform; and (f) for Vendors, the products you sell on the Platform.

We may take exclusive control of the defense and settlement of any matter subject to indemnification at our discretion; if we do, you agree to cooperate at our expense.

20. Termination; Suspension

You may close your account at any time from your dashboard or by emailing support@connecthealthmd.com. Some information, transactions, reviews, and audit records may persist after closure where we have a legitimate need to retain them.

We may suspend or terminate your account, in whole or in part, at any time if we reasonably believe you have violated these Terms or any referenced policy, or if continued access creates legal, safety, or operational risk. Where reasonable, we will give you notice; in cases of suspected fraud or imminent harm, we may act first and explain afterward.

The following sections survive termination: 8, 9, 12, 13, 14, 16, 17, 18, 19, 20, 21, 22, and 23.

21. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the Effective Date at the top and provide additional notice (such as an email or in-product banner). Your continued use of the Platform after changes take effect constitutes your acceptance of the updated Terms. If you don't agree to the changes, your remedy is to stop using the Platform and close your account.

22. International Users

ConnectHealthMD is operated from the United States. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local law. The Platform is not designed or directed at jurisdictions where its use would be unlawful.

23. Miscellaneous

• Entire agreement. These Terms (together with our Privacy Policy and any policy referenced in them) are the entire agreement between you and ConnectHealthMD about the Platform and supersede prior agreements about the same subject.
• Severability. If any provision is unenforceable, the rest remain in effect, and the unenforceable provision will be enforced to the maximum extent permitted by law.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms freely (for example, in a corporate transaction).
• Notices to you may be delivered to the email address on file or by in-product notice. Notices to us must be sent to legal@connecthealthmd.com and to the mailing address below.
• No agency. Nothing in these Terms creates an agency, partnership, employment, or joint venture between you and ConnectHealthMD.
• Force majeure. Neither party is liable for failures caused by events beyond reasonable control.

24. Contact

ConnectHealthMD - General: info@connecthealthmd.com Legal / disputes: legal@connecthealthmd.com