Last updated: January
2025
These Terms and Conditions ("Terms") govern your access
to and use of the website, mobile applications, and
healthcare services provided by Fit Health Resource.
("Fit Health Resource," "we," "us," or "our"). By accessing or
using our Services, you acknowledge that you have read,
understood, and agree to be bound by these Terms. If you
do not agree, please discontinue use of our Services
immediately.
1.
Acceptance of Terms
By creating an account, booking an appointment,
purchasing insurance, or using any Fit Health Resource service,
you confirm that you are at least 18 years of age (or
have parental consent), legally competent to enter into
agreements, and accept these Terms in their entirety.
These Terms constitute a legally binding agreement
between you and Fit Health Resource.
2.
Description of Services
Fit Health Resource provides a digital healthcare platform
connecting patients with licensed healthcare providers
for primary care, dermatology, dental care, haircare,
weight loss management, fitness and wellness coaching,
health insurance brokerage, and life insurance brokerage
services. Specific services, availability, and pricing
are listed on our platform and may vary by state and
provider.
3.
Eligibility Requirements
To use our Services, you must be a resident of the United
States or its territories, at least 18 years of age (or
13 with parental/guardian consent for certain services),
not prohibited from receiving healthcare services under
applicable law, and capable of providing accurate and
complete information. We reserve the right to refuse
service to anyone who does not meet these criteria.
4.
Account Registration and Security
You must create an account to access full Services. You
are responsible for maintaining the confidentiality of
your login credentials, for all activities under your
account, and for notifying us immediately of any
unauthorized access. We are not liable for losses
arising from your failure to secure your account.
Passwords must meet minimum complexity requirements, and
we strongly recommend enabling two-factor
authentication.
5.
Accuracy of Information
You represent that all information you provide —
including personal details, medical history, insurance
information, and payment data — is accurate, complete,
and current. Providing false or misleading information
may result in inaccurate diagnoses, inappropriate
treatment, insurance claim denials, and immediate
account suspension.
6.
Booking and Appointment Process
Appointments are booked through our platform and subject
to provider availability. Booking constitutes a request
for services; confirmation is sent via email and/or SMS
once the appointment is finalized. Appointment times are
in the time zone of the selected provider's location
unless otherwise specified during booking.
7.
Cancellation by Patient
You may cancel or reschedule an appointment at no charge
up to 24 hours before the scheduled time. Cancellations
within 24 hours may incur a cancellation fee of up to
$50, which will be clearly disclosed at the time of
booking. Repeated late cancellations may result in
restricted booking privileges.
8.
Cancellation by Provider
If a provider cancels an appointment, we will notify you
immediately and offer the earliest available
alternative. You will not be charged for
provider-initiated cancellations. If no suitable
alternative is available, any pre-payment will be
refunded in full within 5–7 business days.
9.
No-Show Policy
If you fail to appear for a scheduled appointment without
canceling, a no-show fee of up to $75 may be charged to
your payment method on file. The specific fee amount is
displayed during booking. Three or more no-shows within
a rolling 90-day period may result in account
suspension.
10.
Rescheduling
Rescheduling is free when done 24+ hours before the
appointment. Rescheduling within 24 hours is treated as
a late cancellation and may incur the cancellation fee.
Rescheduled appointments are subject to provider
availability and are not guaranteed at the original time
slot.
11.
Service Pricing
Prices for each service are displayed on our platform
before booking. Prices vary by service type, provider,
consultation format (in-person vs. virtual), and
geographic location. All prices are in US Dollars and
include applicable taxes unless otherwise stated. We
reserve the right to update pricing with 30 days'
notice.
12.
Payment Methods
We accept major credit cards (Visa, Mastercard, American
Express, Discover), debit cards, HSA/FSA cards, and
digital wallets (Apple Pay, Google Pay). Payment is
processed at the time of booking or at the conclusion of
the service, as specified during the booking flow. All
payments are processed through PCI DSS Level 1 compliant
processors.
13.
Insurance Billing
For services covered by insurance, we will bill your
insurance carrier directly when you provide valid
insurance information. You are responsible for any
co-pays, co-insurance, deductibles, and non-covered
charges. If insurance denies the claim, you are
responsible for the full service fee. We are not
responsible for insurance carrier decisions.
14.
Late and Failed Payments
Payment is due at the time of service unless otherwise
arranged. Overdue balances may incur a late fee of 1.5%
per month (18% annually) on the outstanding balance.
Failed payment attempts may incur a $25 processing fee.
We reserve the right to suspend services and restrict
appointment booking for accounts with balances overdue
by 60+ days.
15.
Refund Policy
Refunds are issued for provider-initiated cancellations,
service quality issues substantiated by our review team,
and duplicate charges. Refunds for other reasons are
evaluated on a case-by-case basis. Approved refunds are
processed within 5–10 business days to the original
payment method. Service fees for completed consultations
are non-refundable.
16.
Health Insurance Brokerage Services
Fit Health Resource acts as a licensed insurance broker for health
insurance products. We are not the insurer. Our role is
to present available plans, facilitate enrollment, and
assist with claims. Policy terms, coverage, exclusions,
and premiums are determined solely by the insurance
carrier. We earn commissions from carriers, which do not
affect your premium.
17.
Life Insurance Brokerage Services
Similar to health insurance, Fit Health Resource acts as a
licensed broker for life insurance products. We present
options from multiple carriers, assist with applications
and underwriting, and provide ongoing policy support.
Coverage terms, riders, and premiums are set by the
issuing carrier. We receive commissions that are
disclosed to you before purchase.
18.
Limitation of Liability
To the maximum extent permitted by applicable law,
Fit Health Resource's total aggregate liability arising from or
related to these Terms or our Services shall not exceed
the total fees you paid to us in the 12 months preceding
the claim. We are not liable for any indirect,
incidental, special, consequential, or punitive damages,
including loss of profits, data, or health outcomes.
19.
Disclaimer of Warranties
Our Services are provided "as is" and "as available"
without warranties of any kind, express or implied,
including merchantability, fitness for a particular
purpose, non-infringement, or uninterrupted/error-free
operation. We do not warrant that our platform will be
available at all times, free from errors, or compatible
with all devices or browsers.
20.
Healthcare Services Disclaimer
Fit Health Resource is a platform that connects patients with
healthcare providers; we do not directly provide medical
diagnosis, treatment, or prescriptions. All clinical
services are provided by independent, licensed
practitioners who are solely responsible for the
clinical care they deliver. We do not guarantee specific
health outcomes from any service.
21.
Emergency Situations
Our Services are not intended for medical emergencies. If
you are experiencing a life-threatening emergency, call
911 immediately or go to the nearest emergency room. Do
not rely on our platform for urgent medical care. We are
not liable for any harm resulting from failure to seek
emergency care when appropriate.
22.
Telehealth Specific Terms
Telehealth consultations are subject to additional
considerations: you must be physically located in a
state where the provider is licensed; you must have a
stable internet connection and compatible device; you
must ensure privacy during the consultation; telehealth
may not be appropriate for all conditions, and the
provider may recommend in-person follow-up care.
23.
Intellectual Property
All content, design, graphics, logos, software, and code
on our platform are the property of Fit Health Resource or its
licensors and are protected by US copyright, trademark,
and other intellectual property laws. You may not
reproduce, distribute, modify, or create derivative
works without our prior written consent. The Fit Health Resource
name and logo are registered trademarks.
24.
User Conduct
You agree not to: use the Services for any unlawful
purpose; provide false information; impersonate any
person or entity; interfere with or disrupt the
platform; attempt to gain unauthorized access to
systems; harass, threaten, or abuse providers or staff;
record consultations without explicit consent; or use
automated tools to scrape or extract data.
25.
Privacy
Your use of our Services is also governed by our Privacy
Policy, which is incorporated by reference into these
Terms. By using our Services, you consent to the
collection and use of your information as described in
the Privacy Policy, including the handling of Protected
Health Information under HIPAA.
26.
Indemnification
You agree to indemnify, defend, and hold harmless
Fit Health Resource, its officers, directors, employees, agents,
affiliates, and service providers from and against any
claims, liabilities, damages, losses, costs, and
expenses (including reasonable attorney fees) arising
from your use of the Services, your violation of these
Terms, or your violation of any rights of a third
party.
27.
Force Majeure
We are not liable for any failure or delay in performing
our obligations due to circumstances beyond our
reasonable control, including natural disasters,
pandemics, government actions, wars, terrorism, labor
disputes, power outages, internet disruptions, or
failures of third-party services. We will make
reasonable efforts to resume services as soon as
practicable.
28.
Dispute Resolution
Disputes arising from these Terms shall first be
addressed through our internal resolution process by
contacting support@fithealthresource.info. Unresolved disputes
shall be submitted to binding arbitration under the
rules of the American Arbitration Association (AAA),
conducted in USA. You waive
the right to participate in class-action lawsuits or
class-wide arbitration.
29.
Governing Law
These Terms are governed by and construed in accordance
with the laws of the USA, without regard
to its conflict of law provisions. Any legal action not
subject to arbitration must be filed in the state or
federal courts located in USA, and you consent to the personal jurisdiction
of those courts.
30.
Modifications to Terms
We reserve the right to modify these Terms at any time.
Material changes will be communicated via email
notification at least 30 days before the effective date.
Non-material changes may be posted without advance
notice. Continued use of our Services after changes take
effect constitutes your acceptance of the revised
Terms.
31.
Severability
If any provision of these Terms is found to be
unenforceable or invalid by a court of competent
jurisdiction, that provision shall be limited or
eliminated to the minimum extent necessary, and the
remaining provisions shall remain in full force and
effect. The invalidity of any provision shall not affect
the validity of any other provision.
32.
Waiver
Our failure to enforce any right or provision of these
Terms does not constitute a waiver of that right or
provision. Any waiver must be in writing and signed by
an authorized representative of Fit Health Resource to be
effective. A waiver of one instance does not constitute
a continuing waiver of future instances.
33.
Entire Agreement
These Terms, together with the Privacy Policy, HIPAA
Notice of Privacy Practices, and any applicable
service-specific agreements, constitute the entire
agreement between you and Fit Health Resource regarding the use
of our Services and supersede all prior or
contemporaneous communications, representations, or
agreements, whether oral or written.
