Loa Care Terms of Service

IMPORTANT — READ CAREFULLY: These Terms of Service (“Terms”) form a legally binding agreement between you (“you” or “User”) and Greater Health, LLC (“Loa Care,” “we,” “our,” or “us”). By accessing or using www.loacare.com, any related mobile application, or any other website or service that we operate (collectively, the “Site”) you agree to these Terms. If you do not accept them, do not create an account or use the Services.

1. Overview of the Services

Loa Care offers a paid, subscription-based platform that lets consumers (i) connect their health-insurance information, (ii) search for healthcare professionals, (iii) compare estimated self-pay prices with estimated insurance prices, and (iv) generate and send e-mails or insurance claims to providers on the consumer’s behalf (collectively, the “Services”). Loa Care is not a medical provider, an insurance company, or a provider network.

2. Eligibility

You must be at least 18 years old (or the age of majority where you live) and legally able to enter a contract. The Services are offered only in the United States.

3. Account Registration & Security

You must create an account and provide accurate, current information. You are responsible for all activity under your credentials. Keep your password secure and notify us immediately of any unauthorized use.

4. Subscriptions, Fees & Cancellation

• Billing. Subscription fees and any applicable taxes will be charged in advance on a recurring basis via our third-party payment processor (currently Stripe).
• Changes. We may change pricing with at least 30 days’ notice. New prices apply at the start of your next billing cycle unless you cancel.
• Cancellation. You may cancel at any time in your account settings; service continues until the end of the paid period. Fees are non-refundable except as required by law.
• Trials & Promotions. If you sign up for a trial, you will be charged at the end of the trial unless you cancel before it ends.

5. No Medical, Insurance, or Legal Advice

All content and output on the Site are for informational and self-service purposes only. Loa Care does not provide medical, legal, or insurance advice, and the Services do not create a physician–patient or attorney–client relationship. Always consult a licensed professional for such advice. Pricing estimates are not guarantees; actual bills may differ.

6. Communications With Providers & Insurers

When you instruct Loa Care to e-mail or fax a clinician, facility, or insurer, you authorize us to send the selected information as your agent. You are solely responsible for (i) the content you supply, (ii) choosing the recipient, and (iii) reviewing any provider or insurer responses.

7. User Content & License

“User Content” means any data, documents, messages, or other material that you submit or transmit through the Services. You grant Loa Care a non-exclusive, worldwide, royalty-free license to use, host, reproduce, transmit, display, and create derivative works of your User Content solely to operate and improve the Services. You represent that you have all rights necessary to grant this license.

8. Acceptable Use

• Violate any law or regulation (including HIPAA, state health-privacy statutes, and spam laws);
• Infringe intellectual-property or privacy rights;
• Reverse-engineer or exploit the Site’s source code or underlying data models;
• Interfere with servers or networks;
• Upload harmful code or security-testing tools without written permission;
• Use output to train competing AI models or build a similar service.

We may suspend or terminate accounts for violations.

9. Intellectual Property

The Services, Site, and all content (other than User Content) are owned by Loa Care or its licensors and protected by U.S. and international IP laws. No rights are granted except as expressly stated.

10. Feedback

If you send suggestions or feedback, you grant Loa Care a perpetual, irrevocable, royalty-free right to use them without restriction or compensation.

11. Privacy & HIPAA

Our collection and use of personal data is governed by the Loa Care Privacy Policy (incorporated by reference). Where we act as a HIPAA “Business Associate,” we will comply with our Business Associate obligations. Where state health-privacy laws (e.g., Washington My Health My Data Act) govern data that is outside HIPAA, we will obtain any opt-in consents and honor additional rights as described in the Privacy Policy.

12. Third-Party Services & Links

The Site may contain links to third-party content not controlled by Loa Care. We are not responsible for third-party sites, services, or practices.

13. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. LOA CARE DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT (A) THE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED, (B) PRICING DATA IS ACCURATE OR COMPLETE, OR (C) CLAIMS WILL BE PAID.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOA CARE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS WILL NOT BE LIABLE FOR (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR (b) AGGREGATE LIABILITY EXCEEDING THE GREATER OF (i) FEES PAID TO LOA CARE IN THE 12 MONTHS BEFORE THE CLAIM OR $100, WHICHEVER IS HIGHER. SOME JURISDICTIONS DO NOT ALLOW CERTAIN EXCLUSIONS OR LIMITATIONS; IN SUCH CASES OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

15. Indemnification

You will defend, indemnify, and hold harmless Loa Care from any claims, damages, and expenses (including reasonable attorneys’ fees) arising out of (a) your breach of these Terms, (b) your User Content, or (c) your violation of law or third-party rights.

16. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. It affects your rights.

• Informal Resolution. Contact us first at legal@loacare.com; we will try to resolve the dispute informally within 60 days.
• Arbitration. If unresolved, any dispute will be settled by final, binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will occur virtually or in New York County, NY.
• Exceptions. Either party may (i) seek relief in small-claims court for qualifying cases or (ii) pursue injunctive relief for IP or data-security misuse.
• Class Action Waiver. Disputes must be brought only on an individual basis; class, collective, or representative actions are not permitted, and the arbitrator may not consolidate claims.

You may opt out of arbitration within 30 days of first accepting these Terms by mailing an opt-out notice to the address in Section 22.

17. Governing Law & Venue

These Terms are governed by New York law, excluding its conflicts-of-law rules and the body of federal law known as ERISA. For any dispute not subject to arbitration, the exclusive venue is the state and federal courts located in New York County, NY.

18. Termination

You may stop using the Services at any time. We may suspend or terminate the Services or your account for breach of these Terms, non-payment, or risk to security or privacy. Sections that by their nature should survive (including 5, 9, 10, 13–18, and 21–23) will survive termination.

19. Modifications

We may update these Terms by posting a revised version with a “Last updated” date. Material changes will take effect 30 days after posting and notification (e-mail or in-app). Your continued use after that date constitutes acceptance.

20. Export & Sanctions Compliance

You may not use the Services if you are located in, or are a resident of, a country embargoed by the United States or on the U.S. Treasury Department’s list of Specially Designated Nationals.

21. Assignment

Loa Care may assign these Terms in connection with a merger, acquisition, or asset sale. You may not assign or transfer these Terms without our prior written consent.

22. Notices & Contact Information

23. Miscellaneous

These Terms, the Privacy Policy, and any Supplemental Terms constitute the entire agreement between you and Loa Care. If any provision is held invalid, the remainder remains in force. Our failure to enforce a provision is not a waiver. Section headings are for convenience only.

End of Terms of Service