Terms of Service

Agreement to terms

These Terms of Service (“Terms”) govern your access to and use of the CaroHealth website, membership program, and related services (collectively, the “Services”) operated by CaroHealth (“CaroHealth,” “we,” “us,” or “our”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

The Services

CaroHealth offers a healthcare membership program that provides access to virtual care and related support as described on our website and in your enrollment materials. Features, availability, and pricing may change; we will provide notice where required by law or as stated at checkout.

Not insurance; not emergency care

CaroHealth is not health insurance and does not replace health insurance. The Services are not a qualified health plan under the Affordable Care Act. Benefits and coverage, if any, under separate insurance policies are governed solely by those policies.

The Services are not for medical emergencies. If you believe you are experiencing an emergency, call your local emergency number (for example, 911 in the United States) or go to the nearest emergency department.

Eligibility and accounts

You must provide accurate, current information when enrolling. You are responsible for maintaining the confidentiality of your account credentials and for activity under your account. Notify us promptly of any unauthorized use.

Fees, billing, and payment

Membership fees are as displayed at checkout or in your plan description. Payments are processed by our third-party payment processor (Braintree, a PayPal company). By subscribing, you authorize us and our payment processor to charge your payment method on a recurring basis according to your selected plan until you cancel in accordance with these Terms and any checkout disclosures.

You are responsible for all applicable taxes and for keeping your payment information current. Failed payments may result in suspension or termination of access.

Cancellation

You may cancel your membership as described in your enrollment confirmation, account tools, or by contacting us. Cancellation takes effect as stated at checkout or in your member materials (for example, at the end of the current billing period where applicable). Sections that by their nature should survive will survive termination.

Acceptable use

You agree not to:

• Use the Services in violation of law or third-party rights;
• Attempt to gain unauthorized access to systems, data, or other users’ accounts;
• Interfere with or disrupt the Services or servers or networks connected to the Services;
• Use automated means to access the Services in a manner that sends more requests than a human could reasonably produce in the same period, except for public search engines as permitted; or
• Misrepresent your identity or affiliation.

Intellectual property

The Services, including text, graphics, logos, and software, are owned by CaroHealth or its licensors and are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or create derivative works from our materials without prior written consent.

No medical relationship from these Terms

These Terms govern your use of the membership and platform. Any clinician–patient relationship is separate and subject to applicable law and the policies of participating providers. Nothing in these Terms constitutes medical advice.

Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CAROHEALTH OR ITS SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO CAROHEALTH FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Indemnity

You will defend, indemnify, and hold harmless CaroHealth and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of third-party rights.

Governing law; disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles, except that certain consumer protection laws in your state of residence may also apply where required. You and CaroHealth agree that the state and federal courts located in Delaware will have exclusive jurisdiction over any dispute not subject to arbitration or small-claims procedures, subject to mandatory rights in your jurisdiction.

If you are a consumer, you may have additional rights under the laws of your place of residence; nothing in these Terms limits those rights where they cannot be waived.

Changes to these Terms

We may modify these Terms at any time. We will post the updated Terms on this page and update the “Last updated” date. If changes are material, we will provide additional notice as appropriate (for example, by email or prominent notice on the Services). Your continued use after the effective date constitutes acceptance of the revised Terms, except where prohibited by law.

Miscellaneous

These Terms constitute the entire agreement between you and CaroHealth regarding the Services and supersede prior agreements on the subject. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Contact

For questions about these Terms, visit our Contact page.