JIVORA HEALTH – TERMS OF USE

Prepared by: Barnholtz Law Firm
Attorney: Drew Barnholtz
Jurisdiction: Wyoming, United States
Effective Date: November 7, 2025
Company: BT Holdings, LLC d/b/a Jivora Health
Website: www.jivorahealth.com

SECTION 1. ACCEPTANCE OF TERMS

1.1 Agreement to Terms

These Terms of Use (“Terms”) constitute a binding legal agreement between you (“User,” “you,” or “your”) and BT Holdings, LLC, a Wyoming limited liability company doing business as Jivora Health (“Jivora,” “we,” “our,” or “us”). By accessing or using the Jivora website, mobile application, or any related services (collectively, the “Platform”), you acknowledge that you have read, understood, and agree to be bound by these Terms and all policies referenced herein.

If you do not agree to these Terms, you must immediately discontinue your use of the Platform. Continued access or use constitutes acceptance of these Terms and any future modifications that may be made from time to time as described below.

1.2 Scope and Incorporation

These Terms govern all use of the Platform, including all transactions, communications, and interactions conducted through it. The following additional documents are incorporated by reference and form part of this Agreement:

1. Privacy Policy – governing how we collect, use, and protect personal and health information;

2. Health and Supplement Disclaimers – describing important regulatory and medical disclaimers related to our products and services; and

3. Any other legal notices or supplemental terms posted on specific Platform pages.

In the event of a conflict between these Terms and any supplemental terms, the supplemental terms shall control with respect to the specific service or feature to which they apply.

1.3 Legal Capacity

By using the Platform, you represent and warrant that:

1. You are at least eighteen (18) years of age and legally competent to enter into binding agreements;

2. You reside in a jurisdiction where use of the Platform is lawful; and

3. You are using the Platform solely for personal, non-commercial purposes consistent with these Terms.

If you are using the Platform on behalf of a company, organization, or other legal entity, you represent that you have the authority to bind that entity to these Terms. In such case, “you” and “your” shall refer to both the individual and the entity.

1.4 Nature of Relationship

Jivora provides access to health and wellness information, personalized supplement recommendations, and related services for general educational and informational purposes.
Jivora does not provide medical care, diagnosis, or treatment. No physician-patient relationship, doctor-patient relationship, or healthcare provider-patient relationship is created through your use of the Platform. You should not disregard, avoid, or delay obtaining medical advice from a qualified healthcare provider because of any information or recommendations made available through Jivora.

1.5 Updates and Modifications

Jivora may update or modify these Terms at any time by posting a revised version on the Platform. Updates become effective upon posting. The date of the most recent revision will appear at the top of this page. Continued use of the Platform after any update constitutes your acceptance of the revised Terms.
It is your responsibility to review these Terms periodically. If you do not agree with any updates, you must stop using the Platform immediately.

1.6 Electronic Agreement

You consent to receive all communications and notices electronically, either by email or by posting within your account or on the Platform. Electronic acceptance or continued use serves as your legally binding signature and acknowledgment of this Agreement.

SECTION 2. COMPANY STRUCTURE AND PURPOSE

2.1 Company Identity

The Platform is owned and operated by BT Holdings, LLC, a Wyoming limited liability company doing business as Jivora Health (“Jivora”). Jivora serves as the parent holding company for a group of affiliated entities collectively focused on health, wellness, diagnostics, and supplement-based consumer products.

These affiliated entities (collectively, the “Affiliates”) operate as separate but coordinated subsidiaries under the Jivora umbrella. Each subsidiary is managed through its own corporate structure while adhering to the governance framework established by BT Holdings, LLC.

The principal business office and registered agent for Jivora are located in the State of Wyoming. Official notices may be sent to the company’s registered agent on file with the Wyoming Secretary of State.

2.2 Subsidiary Structure

For clarity and regulatory compliance, Jivora operates through distinct subsidiaries that handle various lines of business, each subject to its own legal and operational requirements:

1. BrandCo LLC – responsible for consumer-facing operations, including digital platform management, educational content, and user engagement.

2. Formulas LLC – engaged in the development, formulation, sourcing, and distribution of practitioner-grade dietary supplements and wellness products.

3. Labs/Sciences LLC – manages diagnostic testing relationships, laboratory partnerships, and at-home testing services in compliance with applicable federal and state regulations.

4. Coaching LLC – provides professional health coaching, wellness consultations, and practitioner referral services, subject to licensing and regulatory guidelines applicable to non-medical advisory services.

Each subsidiary functions as a separate legal entity and is not a healthcare provider unless otherwise expressly stated. References in these Terms to “Jivora” include BT Holdings, LLC and its subsidiaries, affiliates, officers, employees, and contractors, as applicable.

2.3 Business Purpose

The primary purpose of Jivora is to operate a unified digital ecosystem that integrates personalized health insights, professional wellness education, product distribution, and laboratory services. Jivora provides users with access to:

• Educational health and wellness content created by qualified professionals;

• At-home diagnostic testing services coordinated through licensed laboratories;

• Practitioner-formulated nutritional supplements and health products; and

• Optional wellness coaching programs and digital health recommendations.

The Platform is designed to facilitate informed consumer decisions and support general wellness objectives, but it is not intended to replace professional medical consultation or treatment. All content and services offered are provided for informational and educational purposes only.

2.4 No Medical Practice or Clinical Relationship

Jivora and its Affiliates are not licensed healthcare providers or medical practices. The Platform does not offer medical diagnosis, prescription services, or treatment plans.
Any reference to “practitioners,” “clinicians,” or “experts” refers solely to independent professionals who collaborate with Jivora for educational or product-related purposes. These professionals act in their independent capacity and are not employees, agents, or representatives of Jivora unless expressly stated in writing.

No communication through the Platform, including chat sessions, questionnaires, or recommendations, creates a doctor-patient or therapist-client relationship. Users are responsible for consulting their own licensed healthcare provider before acting on any information obtained through the Platform.

2.5 Contact Information

Users may contact Jivora regarding these Terms, company operations, or legal notices by submitting an inquiry through the contact form on the official website or by sending written correspondence to the company’s registered agent in Wyoming.

For consumer inquiries or platform assistance, users may also contact Jivora’s customer support team through the channels specified on the Platform.

SECTION 3. ELIGIBILITY AND USER ACCOUNTS

3.1 Eligibility Requirements

Access to the Jivora Platform is limited to individuals who are at least eighteen (18) years of age and who have the legal capacity to enter into binding contracts under applicable law. By registering for, accessing, or using the Platform, you represent and warrant that you satisfy these requirements and that your use of the Platform does not violate any applicable laws or regulations.

If you are under the age of eighteen (18), you may not create an account or use the Platform. Jivora does not knowingly collect or solicit personal information from minors. Any registration, use, or access by an individual under eighteen (18) years of age is unauthorized and constitutes a violation of these Terms.

3.2 Account Creation and Registration

To access certain features or services, you may be required to create a user account (“Account”). When registering, you must provide complete, accurate, and current information as requested. You agree to promptly update this information to ensure it remains accurate at all times.

Your Account may be created directly through the Jivora website, mobile application, or through an authorized third-party authentication service. By registering, you agree that:

1. You are solely responsible for maintaining the confidentiality and security of your login credentials;

2. You will not share your credentials with any other person or entity; and

3. You accept full responsibility for all activities that occur under your Account.

If you become aware of any unauthorized access or use of your Account, you must immediately notify Jivora through the contact channels listed in these Terms. Failure to maintain control or safeguard access to your Account may result in suspension or termination of your Account.

3.3 Account Ownership and Use

Each Account is personal to the individual user or entity that registered it. Accounts may not be sold, assigned, licensed, or otherwise transferred to any other person or entity without Jivora’s express written consent.

You agree that all use of the Platform under your Account, whether authorized or not, will be deemed your own use for purposes of these Terms. Jivora reserves the right to audit, restrict, or terminate any Account if it determines, in its sole discretion, that the Account has been misused or accessed by an unauthorized party.

3.4 Corporate or Practitioner Accounts

In certain cases, Jivora may authorize corporate, professional, or practitioner accounts for use by authorized representatives of wellness organizations, clinics, or other professional entities. These accounts are subject to additional verification and may require completion of compliance documentation before activation.

Corporate users agree that all activities conducted under their Account will comply with applicable healthcare advertising, telehealth, and data privacy laws. Each entity remains fully responsible for ensuring that its use of the Platform and any related content is compliant with professional licensing and advertising standards.

3.5 Suspension and Termination of Accounts

Jivora reserves the right to suspend, deactivate, or terminate any Account, at its discretion and without prior notice, if it determines that:

1. The Account has been used in violation of these Terms or applicable law;

2. Information provided during registration was false, misleading, or incomplete;

3. The user has engaged in fraudulent, abusive, or disruptive behavior; or

4. Continued access poses risk to the security or integrity of the Platform.

In the event of suspension or termination, Jivora may retain data associated with the Account for legal, regulatory, or operational purposes consistent with its Privacy Policy. Users whose Accounts have been terminated may not re-register without the prior written consent of Jivora.

3.6 Responsibility for Equipment and Access

You are solely responsible for obtaining and maintaining all computer hardware, software, and internet access necessary to use the Platform. Jivora is not responsible for any technical failures or inability to access the Platform arising from your hardware, network, or internet service provider.

SECTION 4. SCOPE OF SERVICES

4.1 Overview of Services

Jivora Health (“Jivora,” “we,” or “us”) operates a digital health and wellness platform that integrates educational content, at-home testing coordination, supplement recommendations, and professional wellness resources. The Platform is designed to empower users to better understand their health data, lifestyle factors, and wellness choices.

The services available through the Platform (collectively, the “Services”) include, but are not limited to:

1. Educational and Informational Content – Articles, videos, webinars, and health-related learning materials developed by wellness professionals and subject matter experts.

2. At-Home Diagnostic Testing – Coordination of sample collection kits and laboratory testing services provided by third-party, CLIA-certified laboratories.

3. Nutritional Supplement Marketplace – Access to practitioner-grade supplements, formulations, and related wellness products offered by Jivora or third-party suppliers.

4. Digital Coaching and Practitioner Directory – Optional access to wellness coaches, functional health professionals, or practitioners for general guidance and referrals.

5. AI-Assisted Recommendation Engine – Algorithms that provide wellness suggestions, product pairings, or educational insights based on user input and available data.

All Services are offered on an informational basis. Jivora is not a licensed medical provider and does not deliver medical treatment, prescribe medication, or replace consultation with a licensed clinician.

4.2 Educational Purpose and Health Information Disclaimer

All content, materials, and tools provided through the Platform are intended solely for general informational and educational purposes. They are not a substitute for medical evaluation, diagnosis, or treatment by a qualified healthcare professional.

You acknowledge and agree that:

1. The Platform does not provide medical advice, clinical care, or individualized diagnostic interpretation.

2. Any health, supplement, or testing information made available is for educational purposes only.

3. You should always consult your physician or other qualified healthcare provider regarding any questions about your health, symptoms, or medical condition.

Reliance on any information or recommendations provided through the Platform is entirely at your own risk.

4.3 At-Home Testing Services

(a) Third-Party Laboratories. All laboratory testing services are performed by independent, CLIA-certified laboratories located in the United States or other approved jurisdictions. Jivora does not itself perform testing or clinical interpretation of results.

(b) No Physician Order Requirement. Where permitted by law, certain tests may be made available without a physician’s order, consistent with applicable state and federal regulations. For states that require physician oversight, Jivora coordinates fulfillment through licensed partners or telehealth physicians as necessary.

(c) Sample Collection and Results. Users are responsible for following all sample collection instructions included with their test kit. Jivora and its partners are not liable for inaccurate results caused by user error, shipping delays, or laboratory issues beyond our control.

(d) Regulatory Compliance. All test kits and related materials comply with applicable labeling, packaging, and transport regulations. Jivora continuously reviews federal and state requirements to ensure lawful direct-to-consumer operations.

4.4 Supplement Products and Recommendations

(a) General Information. Jivora offers practitioner-grade supplements through its e-commerce platform. All supplement recommendations generated by the Platform or its partners are for general wellness purposes only and are not intended to diagnose, treat, cure, or prevent any disease.

(b) Third-Party Products. Jivora may feature or sell products from independent manufacturers such as Return Healthy, Nutramedix, Thorne, and others. Product information is provided by the manufacturer and has not been evaluated by the Food and Drug Administration (FDA).

(c) User Responsibility. You should consult your physician or qualified healthcare provider before taking any supplement, especially if you are pregnant, nursing, taking prescription medications, or have a known medical condition.

(d) Product Safety. Jivora takes reasonable steps to ensure product quality, storage, and authenticity but does not warrant or guarantee the efficacy or safety of any third-party product.

4.5 Coaching and Practitioner Access

(a) Wellness Coaching. Certain users may be eligible for non-medical wellness coaching through the Platform. Coaches provide general lifestyle and wellness guidance but are not licensed to provide medical care, diagnose conditions, or prescribe treatments.

(b) Practitioner Directory. The Platform may include a directory of healthcare professionals for informational and referral purposes only. Jivora does not endorse or verify the credentials of practitioners listed unless expressly stated. Users are responsible for independently verifying all qualifications before engaging any practitioner.

(c) Independent Status. Practitioners and coaches are independent contractors and not employees or agents of Jivora. Jivora is not responsible for any services, advice, or representations made by these individuals.

4.6 AI-Assisted Insights

The Platform may utilize algorithms and artificial intelligence tools to generate health-related insights or recommendations. These tools are informational in nature and are not designed to provide medical advice, predict health outcomes, or replace professional judgment. Jivora disclaims any warranties or liabilities arising from the use or interpretation of AI-generated outputs.

4.7 Service Availability

Jivora reserves the right to modify, suspend, or discontinue any part of the Platform or its Services at any time without notice. Certain features may not be available in all jurisdictions due to legal or regulatory restrictions. Jivora makes no representation that the Services are appropriate or available for use outside the United States.

SECTION 5. ORDERS, PAYMENTS, AND SUBSCRIPTIONS

5.1 Ordering Process

The Platform allows users to purchase wellness products, supplements, and at-home testing kits directly through the online store or authorized third-party portals. All orders are subject to acceptance and confirmation by Jivora.

By placing an order, you agree to provide complete, accurate, and current information, including billing, shipping, and contact details. Orders are not binding until Jivora issues a confirmation notice via email or through your user account.

Jivora reserves the right to refuse or cancel any order at its discretion, including cases involving pricing inaccuracies, product unavailability, payment processing issues, or suspected fraud. In the event of cancellation, any authorized payment hold or charge will be released or refunded promptly.

5.2 Pricing and Taxes

All prices are listed in U.S. dollars unless otherwise stated. Prices displayed on the Platform are subject to change at any time without prior notice.

(a) Taxes and Fees. Applicable sales, use, or value-added taxes will be added to the order total based on the shipping destination and governing tax laws. Users are responsible for all applicable taxes associated with purchases, except those imposed on Jivora’s income.

(b) Promotions and Discounts. From time to time, Jivora may offer promotional pricing or discount codes. Such offers are subject to specific terms and may be discontinued at any time. Unless expressly stated, promotions cannot be combined or applied retroactively.

5.3 Payment Authorization

Payment for all orders must be made through accepted payment methods listed on the Platform, including major credit cards, debit cards, or authorized third-party payment processors. By submitting payment information, you represent and warrant that:

1. You are authorized to use the payment method provided;

2. You authorize Jivora and its payment processor to charge the full order amount, including applicable taxes and shipping fees; and

3. You agree to the terms of any third-party payment provider used to complete the transaction.

Jivora does not store complete payment card information on its servers. All payment processing is handled in compliance with the Payment Card Industry Data Security Standard (PCI DSS).

In case of payment failure, Jivora may suspend or cancel fulfillment until valid payment is received. Continued non-payment may result in account suspension or referral to a collection agency as permitted by law.

5.4 Shipping and Delivery

(a) Shipping Policy. Jivora ships products within the United States and may offer limited international shipping where permitted. Estimated delivery times are provided for convenience only and are not guaranteed.

(b) Risk of Loss. Title and risk of loss for products transfer to you upon delivery to the carrier. Jivora is not responsible for delays, damage, or loss during transit once the order has been handed over to the carrier.

(c) Order Tracking. Users will receive shipment confirmation and tracking details by email once the order has been dispatched.

(d) Failed Deliveries. If a package is returned due to an incorrect or incomplete address, refusal of delivery, or failure to claim, Jivora may charge additional shipping fees for re-delivery or issue a partial refund less applicable costs.

5.5 Refunds and Returns

(a) Eligibility. Refunds or returns may be granted at Jivora’s discretion in accordance with applicable consumer protection laws. For health and safety reasons, opened supplement containers, used testing kits, and perishable products are not eligible for return.

(b) Procedure. To request a return or refund, users must contact Jivora customer support within 14 days of receipt. Requests must include order details and a description of the issue. Approved returns will be issued a return authorization number and shipping instructions.

(c) Refund Timing. Refunds are typically processed within ten (10) business days after receipt and inspection of returned products. Refunds will be issued to the original payment method used at purchase.

(d) Non-Refundable Items. Downloadable materials, digital courses, and consulting sessions are non-refundable once accessed or delivered. Subscription renewals already processed are also non-refundable unless otherwise required by law.

5.6 Subscription Services

(a) Overview. Certain products or Services may be offered on a recurring subscription basis (“Subscription”). Subscriptions automatically renew at the end of each billing cycle unless cancelled in accordance with these Terms.

(b) Billing Authorization. By enrolling in a Subscription, you authorize Jivora to automatically charge your payment method for each renewal period until you cancel. Renewal amounts will be equal to the then-current subscription rate plus applicable taxes and shipping fees.

(c) Cancellation Policy. You may cancel your Subscription at any time before the next billing date through your Account settings or by contacting Jivora customer support. Cancellations take effect at the end of the current billing cycle.

(d) Modification or Termination. Jivora reserves the right to modify Subscription pricing or terms at any time. Notice of material changes will be provided at least fifteen (15) days prior to the next renewal date. Continued use after such notice constitutes acceptance of the revised terms.

(e) Free Trials. If a Subscription begins with a free trial, your payment method will be charged automatically at the end of the trial period unless you cancel before the expiration date.

5.7 Chargebacks and Disputed Payments

You agree to first contact Jivora to attempt to resolve any billing or payment issues before initiating a chargeback with your payment provider. Filing an unwarranted chargeback may be deemed a breach of these Terms and may result in suspension of your Account.

If a payment dispute is resolved in Jivora’s favor, you agree to reimburse Jivora for all fees, costs, and expenses incurred in connection with the dispute, including administrative and chargeback processing fees.

5.8 Resale Prohibition

All products and Services purchased through the Platform are intended for personal use only. Unauthorized resale, redistribution, or commercial exploitation of products or digital materials obtained through the Platform is strictly prohibited and may result in legal action.

SECTION 6. USER CONDUCT AND ACCEPTABLE USE POLICY

6.1 General Conduct Requirements

You agree to use the Jivora Platform and its Services solely for lawful purposes and in accordance with these Terms. You shall not engage in any activity that interferes with, disrupts, or undermines the integrity, security, or performance of the Platform, its systems, or other users’ experience.

By accessing the Platform, you expressly agree that you will:

1. Use the Platform only for personal, non-commercial purposes unless otherwise authorized in writing by Jivora;

2. Provide accurate, current, and complete information at all times;

3. Maintain the confidentiality of your account credentials and promptly notify Jivora of any unauthorized access; and

4. Comply with all applicable local, state, federal, and international laws, including health information privacy, e-commerce, and export control laws.

6.2 Prohibited Uses

You are strictly prohibited from using the Platform, its content, or any related technology in any of the following ways:

(a) Unlawful Activity. Using the Platform to engage in, promote, or facilitate any illegal, deceptive, or fraudulent act, including the sale or promotion of illegal substances, controlled materials, or unapproved medical devices.

(b) Unauthorized Access. Attempting to gain unauthorized access to any part of the Platform, user accounts, data, or systems through hacking, password mining, or any other illegitimate means.

(c) Misrepresentation. Impersonating any person or entity, misrepresenting your affiliation, or falsifying information for the purpose of misleading others.

(d) Data Harvesting. Collecting, scraping, or harvesting any personally identifiable information (PII), health information, or contact details of other users without their express consent.

(e) Commercial Exploitation. Using any content or data obtained from the Platform for resale, advertising, marketing, or solicitation purposes without written permission.

(f) Disruption or Abuse. Uploading or transmitting viruses, malware, ransomware, or other harmful code; engaging in denial-of-service attacks; or burdening the Platform’s infrastructure in a way that impairs others’ use.

(g) Unauthorized Reverse Engineering. Decompiling, disassembling, or otherwise attempting to derive source code or proprietary algorithms of the Platform or any component thereof.

(h) Health Misrepresentation. Using the Platform to publish, transmit, or distribute false or misleading information regarding medical conditions, products, or therapies.

(i) Infringement of Intellectual Property. Uploading or transmitting any content that infringes or misappropriates the intellectual property rights, trade secrets, or proprietary information of Jivora or any third party.

(j) Harassment or Abuse. Engaging in any form of harassment, abuse, or intimidation toward other users, Jivora staff, or affiliates, including the use of threatening or obscene language.

6.3 Content Standards and User Submissions

(a) User Content. The Platform may allow users to submit comments, reviews, feedback, or other materials (“User Content”). You retain ownership of your User Content, but grant Jivora a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, display, distribute, and adapt your content for Platform operation, marketing, and compliance purposes.

(b) Accuracy and Legality. You are solely responsible for ensuring that your User Content:

1. Is truthful, accurate, and non-misleading;

2. Does not infringe on the rights of any third party; and

3. Complies with all applicable laws and professional advertising standards.

(c) Review and Removal. Jivora reserves the right, but not the obligation, to review, monitor, and remove any User Content that it determines, in its sole discretion, violates these Terms or is otherwise objectionable, without notice or liability.

6.4 Intellectual Property Protection

(a) Ownership. All intellectual property on the Platform including trademarks, logos, service marks, text, software, graphics, data, and design elements is owned or licensed by Jivora and protected by copyright, trademark, and other applicable laws.

(b) Limited License. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its content solely for personal, non-commercial purposes. No ownership or intellectual property rights are transferred by virtue of such access.

(c) Restrictions. Except as expressly permitted, you may not copy, modify, reproduce, distribute, publicly display, or create derivative works based on any part of the Platform or its content without Jivora’s written authorization.

 

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6.5 Security Obligations

You agree not to attempt to bypass or disable any security features of the Platform. You must promptly report to Jivora any suspected vulnerabilities, unauthorized access, or data breaches. Jivora may cooperate with law enforcement and regulatory agencies in investigating violations and will take appropriate legal action against users who breach security protocols or misuse data.

 

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6.6 Enforcement and Remedies

Jivora reserves the right to take any of the following actions, at its sole discretion and without prior notice, in response to any violation of this Section:

1. Immediate suspension or termination of your Account;
   
   

2. Removal or deletion of any User Content;
   
   

3. Restriction or blocking of access to certain features or the entire Platform;
   
   

4. Reporting of activities to law enforcement authorities; and
   
   

5. Pursuit of legal or equitable remedies, including injunctive relief and damages.
   
   

Violations of this Section may also result in civil or criminal liability under applicable law.

 

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6.7 Reporting Violations

If you believe that another user is violating these Terms or engaging in conduct that is unlawful, harmful, or abusive, you may submit a written report to Jivora at the contact address provided in Section 15. Jivora reviews all reports in good faith and may take appropriate action at its discretion.

SECTION 7. INTELLECTUAL PROPERTY OWNERSHIP AND LICENSING

7.1 Jivora Intellectual Property

(a) Ownership of Platform and Content.
All rights, title, and interest in and to the Jivora Health Platform, its underlying software, technology, design, databases, and all related intellectual property (collectively, the “Jivora IP”) are and shall remain the exclusive property of Jivora Health, its affiliates, or its licensors. This includes all copyrights, trade secrets, patents, trademarks, trade names, service marks, logos, visual designs, and other proprietary materials created, developed, or used in connection with the Platform.

(b) Protected Status.
The Jivora IP is protected by applicable U.S. and international copyright, trademark, patent, and trade secret laws. No rights in the Jivora IP are granted, implied, or transferred to any user except as expressly stated in this Agreement.

(c) Trademarks.
All product names, logos, slogans, and trade dress associated with Jivora Health including “Jivora,” “Navira Health,” and any related marks are trademarks or service marks owned or licensed by Jivora Health. You may not use, reproduce, or display these marks without prior written authorization. Unauthorized use may constitute trademark infringement under federal law.

7.2 Limited User License

(a) License Grant.
Subject to full compliance with these Terms, Jivora grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and its content solely for personal, informational, and non-commercial purposes.

(b) Scope and Restrictions.
You may download or print individual pages of the Platform only for personal use, provided you retain all proprietary notices contained in the original materials. You may not:

1. Modify, copy, or create derivative works based on the Platform or its content;

2. Distribute, transmit, display, or sell any portion of the Platform for commercial gain;

3. Use data mining, scraping, or automated systems to extract information;

4. Reverse-engineer, decompile, or disassemble the Platform software; or

5. Circumvent security or authentication features of the Platform.

Any use of the Platform other than as expressly permitted herein constitutes a breach of these Terms and may violate intellectual property laws.

7.3 Third-Party Intellectual Property

(a) Third-Party Content.
The Platform may include or reference content, logos, trademarks, or materials owned by third parties, including partners, laboratories, and supplement manufacturers. Such materials are used under license or for informational purposes only.

(b) Reservation of Rights.
All rights not expressly granted to Jivora or its users in third-party materials remain the exclusive property of their respective owners. You may not use third-party intellectual property without obtaining prior consent from the rights holder.

7.4 User-Generated Content License

(a) Ownership Retained by User.
You retain ownership of all original content, data, or materials you upload or submit to the Platform (“User Content”), subject to the rights granted below.

(b) License to Jivora.
By submitting or uploading User Content, you grant Jivora Health a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable license to use, host, reproduce, modify, adapt, publish, translate, distribute, and display such content for the purpose of operating, marketing, and improving the Platform and its Services.

(c) Moral Rights Waiver.
To the maximum extent permitted by law, you waive all moral rights in your User Content, including rights of attribution and integrity, acknowledging that Jivora may edit or adapt submissions for clarity, presentation, or compliance.

(d) Representations.
You represent and warrant that your User Content:

1. Is accurate and lawful;

2. Does not infringe or misappropriate any third-party rights;

3. Does not contain confidential or proprietary information of others; and

4. Complies with all applicable privacy and publicity laws.

7.5 Feedback and Suggestions

If you provide feedback, ideas, proposals, or suggestions (“Feedback”) regarding the Platform or Services, you acknowledge that such Feedback is voluntarily provided and becomes the property of Jivora without obligation of confidentiality, attribution, or compensation. Jivora may freely use such Feedback for any purpose, including product improvement, service development, and marketing.

7.6 DMCA and Copyright Complaints

(a) Notice of Infringement.
Jivora respects the intellectual property rights of others and expects users to do the same. In accordance with the Digital Millennium Copyright Act (“DMCA”), Jivora will respond to valid notices of alleged infringement that comply with 17 U.S.C. § 512(c).

(b) Filing a Complaint.
If you believe your copyrighted work has been used on the Platform in a way that constitutes infringement, you may submit a written notice to Jivora’s designated Copyright Agent containing the following:

1. A physical or electronic signature of the copyright owner or authorized agent;

2. Identification of the copyrighted work claimed to have been infringed;

3. Identification of the material that is claimed to be infringing and its location;

4. Contact information for the complaining party;

5. A statement that you have a good faith belief the use is unauthorized; and

6. A statement, under penalty of perjury, that the information is accurate and you are authorized to act on behalf of the copyright owner.

(c) Counter-Notice.
If you believe content was removed in error, you may submit a counter-notice in accordance with the DMCA. Upon receipt of a valid counter-notice, Jivora may restore the content unless the original complainant seeks a court order.

7.7 Reservation of Rights

Except for the limited license expressly granted in this Section, Jivora reserves all rights, title, and interest in its intellectual property, technology, and content. No rights are granted by implication, estoppel, or otherwise.

SECTION 8. DISCLAIMERS, LIMITATION OF LIABILITY, AND INDEMNIFICATION

8.1 General Disclaimer

The Platform and all content, products, and services offered through Jivora Health are provided for general informational and educational purposes only. Nothing on the Platform constitutes medical advice, diagnosis, or treatment. You acknowledge and agree that:

1. The Platform is not a substitute for professional medical consultation or clinical care;

2. You should not disregard or delay seeking medical advice from your physician or other qualified healthcare provider based on any information obtained through the Platform; and

3. Use of the Platform is at your sole discretion and risk.

If you are experiencing a medical emergency, call 911 or seek immediate assistance from a licensed healthcare professional.

8.2 No Medical or Therapeutic Guarantees

(a) Products and Services.
Any health, nutrition, or wellness information, including supplement descriptions, ingredient statements, or diagnostic recommendations provided through the Platform, are for informational purposes only and are not intended to diagnose, treat, cure, or prevent any disease.

(b) Individual Variation.
Results may vary among individuals based on age, health status, genetics, lifestyle, and other factors. Jivora makes no representation or guarantee that use of its products or Services will produce specific outcomes or improvements.

(c) Professional Relationship Disclaimer.
Use of the Platform does not establish a doctor-patient, therapist-client, or other fiduciary relationship between you and Jivora, its Members, or affiliates.

8.3 Product Information and Testing Kits

(a) Accuracy of Information.
Jivora makes reasonable efforts to ensure that product descriptions, ingredient information, and labeling are accurate and current. However, product packaging, formulations, and specifications may change without notice.

(b) Laboratory and Diagnostic Services.
Any at-home testing kits or laboratory services offered through Jivora are provided in collaboration with certified third-party laboratories. Jivora does not itself perform laboratory testing and disclaims any responsibility for lab results, processing times, or clinical interpretations.

(c) Third-Party Disclaimers.
All third-party manufacturers, suppliers, or partners are solely responsible for the accuracy, safety, and performance of their respective products or services.

8.4 No Warranties

To the fullest extent permitted by law, Jivora Health and its affiliates expressly disclaim all warranties, express or implied, including:

1. Warranties of merchantability, fitness for a particular purpose, title, and non-infringement;

2. Warranties arising from course of dealing, usage, or trade practice;

3. Warranties regarding the accuracy, completeness, reliability, or timeliness of any information on the Platform; and

4. Warranties that the Platform will operate uninterrupted, error-free, or free of viruses or harmful code.

All products, services, and content are provided “as is” and “as available” without warranty of any kind.

8.5 Limitation of Liability

(a) General Limitation.
To the fullest extent permitted by applicable law, in no event shall Jivora Health, its Members, affiliates, officers, employees, contractors, or agents be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, data loss, or loss of goodwill, arising out of or relating to your use of the Platform, products, or Services, even if advised of the possibility of such damages.

(b) Aggregate Liability Cap.
Jivora’s total aggregate liability to you for any claim arising from or relating to the Platform or these Terms shall not exceed the greater of:

1. The total amount paid by you to Jivora for products or Services in the six (6) months preceding the claim; or

2. Fifty dollars ($50).

(c) State Law Exceptions.
Some jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. In such jurisdictions, the above limitations may apply only to the extent permitted by law.

8.6 Indemnification

You agree to indemnify, defend, and hold harmless Jivora Health, its Members, affiliates, officers, directors, employees, contractors, licensors, and agents from and against all claims, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

1. Your violation of these Terms or applicable law;

2. Your misuse of the Platform or its content;

3. Your violation of the rights of any third party, including intellectual property or privacy rights; or

4. Any inaccurate or misleading information you provide through the Platform.

Jivora reserves the right to assume exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate fully with Jivora in asserting any available defenses.

8.7 No Liability for Third-Party Services

Where the Platform integrates or links to third-party applications, products, or services (including laboratory services, payment processors, or wellness partners), Jivora is not responsible for and disclaims all liability arising from such third-party platforms or the accuracy of their representations. Your use of third-party services is governed by their own terms and privacy policies.

8.8 Reliance on Information

You acknowledge and agree that any reliance on information provided by Jivora, its affiliates, or other users through the Platform is at your own risk. Jivora is not responsible for the actions, omissions, or statements of third parties or contributors whose content may appear on the Platform.

8.9 Release

To the fullest extent permitted by law, you release and discharge Jivora Health and its affiliates from all claims, demands, and damages (actual or consequential) of every kind and nature arising out of or connected with disputes between users or between a user and any third party.

SECTION 9. PRIVACY, DATA USE, AND SECURITY OBLIGATIONS

9.1 Privacy Commitment

Jivora Health values your privacy and is committed to protecting your personal and health-related information in accordance with applicable privacy laws and best practices. This Section describes how Jivora collects, uses, stores, and protects data provided by users through the Platform. By accessing or using the Platform, you consent to the collection and use of information as outlined in this Section and the Jivora Privacy Policy.

9.2 Types of Information Collected

Jivora collects information directly from users, automatically through technology, and from third-party integrations as necessary to provide and improve its Services. This includes:

(a) Personal Information: Name, contact details, billing information, and account credentials.

(b) Health-Related Information: Data voluntarily submitted by users, such as self-reported health conditions, wellness goals, supplement use, or test results from affiliated laboratories.

(c) Device and Usage Data: IP address, browser type, device identifiers, geolocation, session analytics, and interaction logs used for performance, troubleshooting, and personalization.

(d) Transactional Data: Purchase history, payment details processed through secure third-party payment providers, and subscription information.

(e) Communication Data: Messages, emails, and inquiries submitted through the Platform, including responses to surveys or promotional offers.

9.3 Basis for Processing and Use of Information

Jivora collects and processes data to:

1. Operate, maintain, and improve the Platform and its Services;

2. Fulfill orders, subscriptions, and diagnostic testing requests;

3. Provide personalized product recommendations and wellness content;

4. Communicate with users regarding account activity, updates, and support;

5. Ensure compliance with legal, regulatory, and contractual obligations; and

6. Conduct research, analytics, and service enhancements consistent with user consent and applicable law.

Jivora does not sell personal or health-related data and only shares information as described in this Section or in the Privacy Policy.

9.4 Data Sharing and Third-Party Disclosures

(a) Service Providers.
Jivora may share data with trusted third-party vendors who perform services such as payment processing, data hosting, laboratory analysis, customer support, and marketing. These vendors are contractually bound to maintain confidentiality and use the data solely for authorized purposes.

(b) Legal Compliance and Safety.
Jivora may disclose data if required by law, regulation, subpoena, or court order, or if it reasonably believes disclosure is necessary to:

1. Comply with legal obligations;

2. Protect the rights, property, or safety of Jivora, its users, or the public; or

3. Prevent or investigate suspected illegal or fraudulent activity.

(c) Business Transfers.
In the event of a merger, acquisition, financing, or sale of assets, user data may be transferred as part of the business transaction. Any successor entity will be bound by these Terms and the Privacy Policy.

9.5 HIPAA and Health Data Considerations

(a) Health Data Responsibility.
Jivora is not a covered entity under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) but may work with covered entities or business associates subject to HIPAA. To the extent that Jivora handles protected health information (“PHI”), it implements safeguards that meet or exceed HIPAA standards for data security, access control, and confidentiality.

(b) Consent for Use.
Users expressly consent to Jivora’s processing of health-related data for legitimate business purposes, including laboratory coordination, personalized wellness recommendations, and product fulfillment.

(c) De-Identification.
Jivora may de-identify or aggregate health-related data for research, analytics, and service improvement in compliance with HIPAA and applicable privacy laws.

9.6 Data Scurity Measures

Jivora employs physical, administrative, and technical safeguards designed to protect user data against unauthorized access, alteration, disclosure, or destruction. These measures include:

1. Encrypted data transmission using SSL/TLS protocols;

2. Secure, access-controlled data storage with multi-factor authentication;

3. Regular system audits, vulnerability testing, and access logging;

4. Employee training on privacy and data protection obligations; and

5. Immediate notification procedures for potential data incidents consistent with applicable law.

While Jivora takes reasonable steps to protect data, no online platform can guarantee absolute security. Users are responsible for maintaining the confidentiality of their login credentials and notifying Jivora of any suspected compromise.

9.7 Data Retention and Deletion

Jivora retains personal and health data for as long as necessary to provide Services, comply with legal obligations, resolve disputes, or enforce agreements. Upon request, users may request data deletion or anonymization consistent with applicable law and contractual retention requirements. Deleted data may remain in backup systems for a limited period before secure removal.

9.8 User Rights and Choices

Depending on your jurisdiction, you may have the right to:

1. Access, correct, or update your personal information;

2. Request deletion or restriction of data processing;

3. Opt out of marketing communications;

4. Request a copy of your data in a portable format; and

5. Withdraw consent for processing where applicable.

Requests may be submitted through the contact methods listed in Section 15 or via the Privacy Policy. Jivora may verify identity before processing such requests.

9.9 International Users

If you access the Platform from outside the United States, you acknowledge and consent that your data may be processed and stored in the United States, where privacy protections may differ from those in your jurisdiction. Jivora complies with cross-border data transfer requirements as applicable under international privacy laws.

9.10 Links to Privacy Policy

For detailed information regarding data practices, please refer to the Jivora Privacy Policy, which is incorporated by reference into these Terms. Continued use of the Platform constitutes acceptance of that policy.

SECTION 10. ACCOUNT MANAGEMENT, TERMINATION, AND SUSPENSION OF ACCESS

10.1 Account Registration and Accuracy

(a) Eligibility.
To access certain features of the Jivora Health Platform, you must create an account. By registering, you represent and warrant that you are at least eighteen (18) years of age, possess legal capacity to enter into this Agreement, and will comply with all applicable laws in using the Platform.

(b) Account Information.
You agree to provide true, accurate, current, and complete information during registration and to update such information promptly if it changes. False, misleading, or incomplete information may result in immediate suspension or termination of your account.

(c) Account Security.
You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Jivora is not liable for any unauthorized access or actions taken under your account. You agree to:

1. Use strong passwords and maintain reasonable security practices;

2. Immediately notify Jivora of any unauthorized use, breach, or suspected compromise; and

3. Log out of your account after each session, especially on shared or public devices.

Jivora reserves the right to require password changes, implement multi-factor authentication, or suspend access pending investigation if suspicious activity is detected.

10.2 Authorized and Prohibited Uses

(a) Authorized Use.
You agree to use the Platform solely for lawful purposes and in compliance with these Terms. Acceptable use includes browsing, purchasing products, participating in programs, submitting information, and engaging with educational content.

(b) Prohibited Activities.
You may not:

1. Access or attempt to access any portion of the Platform by means other than those intentionally made available by Jivora;

2. Interfere with or disrupt the operation, security, or integrity of the Platform;

3. Upload or distribute viruses, malicious code, or harmful content;

4. Use the Platform to transmit unlawful, defamatory, or harassing material;

5. Engage in scraping, crawling, or automated data extraction;

6. Impersonate any person or misrepresent your affiliation with any entity;

7. Circumvent access controls, rate limits, or content filters; or

8. Use the Platform in any manner that infringes on the rights of others or violates applicable law.

Violation of these provisions may result in immediate suspension or permanent termination of your account, and may also subject you to civil or criminal liability.

10.3 Account Termination by User

You may terminate your account at any time by submitting a written request to Jivora or through the account management settings within the Platform. Upon termination:

1. Your right to access and use the Platform immediately ceases;

2. Jivora may retain certain data as required by law or for legitimate business purposes (e.g., tax, compliance, or recordkeeping);

3. Any ongoing subscriptions or transactions will be settled in accordance with their terms; and

4. Sections of these Terms that by their nature should survive termination (including Sections 7, 8, 9, 11, and 13) shall remain in effect.

10.4 Suspension or Termination by Jivora

(a) Grounds for Suspension or Termination.
Jivora reserves the right, at its sole discretion and without prior notice, to suspend or permanently terminate any user account if it determines that:

1. The user has violated these Terms, applicable law, or company policies;

2. The account is used for fraudulent, abusive, or harmful activity;

3. Continued use poses a risk to the Platform, users, or company interests;

4. The user fails to make required payments or engages in chargeback activity; or

5. Jivora discontinues or modifies its Services.

(b) Notice and Process.
Where feasible, Jivora will provide notice of termination and an opportunity to cure the violation. However, immediate suspension may occur without notice in cases involving security threats, fraud, or legal compliance obligations.

(c) Effect of Termination
Upon termination, Jivora may:

1. Deactivate or delete the user’s account and related data;

2. Restrict access to the Platform and any related content;

3. Retain transaction records for accounting and legal purposes; and

4. Enforce any rights or remedies available under these Terms or applicable law.

Terminated users remain responsible for outstanding obligations, including payment of fees and indemnification for prior conduct.

10.5 Account Reactivation and Appeals

(a) Reactivation Requests.
Users whose accounts have been suspended may request reinstatement by providing a written explanation and evidence of compliance with the Terms. Jivora reserves full discretion to approve or deny reactivation requests.

(b) Appeals Process.
If you believe your account was terminated in error, you may file an appeal within thirty (30) days of receiving notice. Appeals must include a clear explanation and supporting documentation. Jivora will review appeals in good faith and respond within a reasonable timeframe.

10.6 Data Retention Post-Termination

(a) Retention Period.
Jivora retains account and transactional data for a period consistent with legal, regulatory, and business requirements, generally not exceeding seven (7) years unless otherwise required by law.

(b) Deletion Requests.
Users may request deletion of residual data consistent with applicable privacy laws. Jivora will comply with valid deletion requests except where retention is necessary for:

1. Legal compliance;

2. Fraud prevention;

3. Tax and accounting records; or

4. Security or dispute resolution.

(c) Backup Systems.
Deleted data may remain temporarily in secure backup archives before being permanently erased in the ordinary course of business.

10.7 Effect of Termination on Agreements

Termination of your account does not relieve you of any obligations accrued prior to termination. Any licenses, consents, or authorizations granted under these Terms immediately cease upon termination. Jivora shall not be liable for any loss of access, data, or content resulting from lawful account termination.

SECTION 11. PAYMENT TERMS, SUBSCRIPTIONS, AND REFUND POLICY

11.1 Pricing and Availability

(a) Pricing Policy.
All prices for products and services offered through the Jivora Health Platform are displayed in U.S. dollars unless otherwise specified. Prices are subject to change without prior notice; however, any price changes will not affect confirmed orders or ongoing subscriptions without advance notice as described in Section 11.3.

(b) Availability of Products and Services.
Jivora strives to maintain accurate product availability but cannot guarantee that any item displayed on the Platform will be in stock at the time of purchase. Jivora reserves the right to discontinue or modify any product, subscription, or service at any time.

(c) Promotions and Discounts.
Any promotional pricing, coupons, or discounts are valid only for the specified duration and subject to the terms of the applicable offer. Promotional codes cannot be combined unless expressly stated.

11.2 Payment Methods and Processing

(a) Accepted Payment Methods.
Jivora accepts major credit and debit cards, digital wallets, and other payment methods as indicated on the Platform.

(b) Third-Party Payment Processors.
All payments are processed through secure third-party payment gateways. By completing a purchase, you authorize Jivora and its payment processors to charge your selected payment method for the total amount, including applicable taxes and shipping.

(c) Authorization.
You represent and warrant that you are authorized to use the selected payment method and that payment information provided is accurate and complete.

(d) Payment Confirmation.
A receipt or order confirmation will be provided via email after payment processing. If your payment fails or is declined, Jivora reserves the right to suspend or cancel the associated order or subscription.

(e) Security.
All payment information is transmitted via encrypted SSL/TLS connections. Jivora does not store full credit card numbers on its servers.

11.3 Subscriptions and Recurring Billing

(a) Subscription Services.
Certain products and services may be offered on a subscription basis, including auto-ship supplement programs, membership plans, or digital wellness tools. By enrolling in a subscription, you authorize Jivora to automatically charge your designated payment method at the frequency and rate disclosed at checkout.

(b) Renewal Terms.
Subscriptions automatically renew at the end of each term (monthly, quarterly, or annual) unless cancelled in accordance with Section 11.4. Jivora will notify users in advance of any material changes to subscription pricing or terms.

(c) Modification or Cancellation by Jivora.
Jivora may modify or discontinue subscription services at its discretion. Any changes will be communicated in advance, and users will have the option to cancel prior to the effective date of the change.

(d) Payment Authorization.
By subscribing, you expressly authorize Jivora to charge your payment method for recurring fees until the subscription is cancelled. You acknowledge that failure to maintain valid payment information may result in suspension of service access.

11.4 Cancellations and Terminations

(a) User-Initiated Cancellation.
You may cancel a subscription at any time through your account settings or by contacting Jivora’s support team. To avoid charges for the next billing cycle, cancellations must be submitted at least three (3) business days before the renewal date.

(b) Effect of Cancellation.
Upon cancellation, access to subscription-based services will continue through the end of the current billing cycle. Jivora does not provide prorated refunds for partial subscription periods unless required by law.

(c) Jivora-Initiated Cancellation.
Jivora reserves the right to suspend or terminate any subscription for nonpayment, misuse, or breach of these Terms. In such cases, no refund will be issued for the remaining subscription period.

11.5 Taxes and Fees

All prices displayed on the Platform are exclusive of applicable taxes, duties, or shipping charges unless otherwise stated. You are responsible for paying all such amounts imposed by applicable jurisdictions. Jivora collects and remits sales tax where required by law.

If Jivora is not required to collect sales tax in your jurisdiction, you may be responsible for reporting and remitting use tax directly to your local tax authority.

11.6 Refund and Return Policy

(a) General Refund Policy.
All sales are considered final unless otherwise stated in this Section or required by law. Jivora may, in its discretion, issue refunds or replacements for defective or incorrect products.

(b) Eligibility for Returns.
To qualify for a return or refund:

1. The product must be unused, unopened, and in its original packaging;

2. The request must be made within thirty (30) days of delivery; and

3. Proof of purchase must be provided.

Returned items may be subject to inspection and restocking fees.

(c) Non-Returnable Items.
Due to health and safety regulations, opened supplements, diagnostic test kits, and digital downloads are non-returnable.

(d) Refund Method.
Approved refunds will be issued to the original payment method within ten (10) business days after receipt and inspection of returned items. Shipping and handling charges are non-refundable unless the return is due to Jivora’s error.

(e) Damaged or Incorrect Orders.
If you receive a damaged or incorrect product, notify Jivora within five (5) business days of delivery with photo evidence. Replacement or refund will be arranged at no additional cost.

11.7 Chargebacks and Disputes

You agree to contact Jivora first to resolve any billing issue before initiating a chargeback with your financial institution. Unauthorized chargebacks may be considered a breach of these Terms. Jivora reserves the right to:

1. Suspend your account during dispute resolution;

2. Recover costs associated with false or unfounded chargebacks; and

3. Pursue collection or legal remedies as necessary

11.8 Pricing Errors and Corrections

In the event of a pricing error or inaccuracy, Jivora reserves the right to cancel or refuse any order placed for a product or service listed at an incorrect price, even if payment has already been processed. If your order is cancelled due to pricing error, Jivora will issue a full refund.

11.9 Gift Cards and Promotional Credits

(a) Gift Cards.
Gift cards are non-refundable, non-transferable, and may only be redeemed for eligible products and services on the Platform. They cannot be exchanged for cash except where required by law.

(b) Promotional Credits.
Promotional credits or coupons are valid for a limited time as specified in the applicable offer and may not be combined with other discounts unless explicitly stated.

11.10 Payment Disclosures

By making a purchase or subscribing to any Jivora service, you acknowledge that:

1. All payment obligations are binding and enforceable;

2. Recurring payments will continue until cancellation; and

3. Your continued use of the Platform constitutes acceptance of all applicable fees, charges, and billing terms.

SECTION 12. THIRD-PARTY LINKS, INTEGRATIONS, AND EXTERNAL SERVICES

12.1 Overview

The Jivora Health Platform may contain links, interfaces, or integrations with third-party websites, applications, laboratory services, vendors, or technology providers. These integrations are provided solely for your convenience and do not imply endorsement, sponsorship, or affiliation by Jivora unless expressly stated in writing. Jivora assumes no responsibility for the content, accuracy, or privacy practices of any third-party site or service accessible through the Platform.

12.2 Independent Third-Party Relationships

(a) No Agency or Joint Venture.
Jivora does not control, operate, or manage any third-party websites or services. The inclusion of any link or integration does not establish an agency, partnership, or joint venture relationship between Jivora and the third party. Each third-party service is governed by its own terms, conditions, and privacy policies.

(b) Independent Obligations.
Users are solely responsible for reviewing and understanding the applicable terms and privacy practices of any third-party site or service they choose to access through the Platform. Continued use of such services constitutes acceptance of those third-party terms.

(c) Data Sharing Limitations.
Jivora only shares user data with third parties as described in Section 9 and the Privacy Policy, and solely to the extent necessary to perform contracted services, such as laboratory testing, logistics, or secure payment processing.

12.3 Laboratory and Diagnostic Testing Partners

(a) Third-Party Laboratory Providers.
Certain diagnostic testing services offered through the Platform are performed by independent, CLIA-certified laboratories or affiliated medical service providers. Jivora facilitates coordination and communication but does not itself perform, supervise, or validate laboratory testing or medical diagnostics.

(b) Responsibility for Results.
Laboratories and affiliated healthcare professionals are solely responsible for test performance, accuracy, and result reporting. Jivora disclaims all liability for errors, delays, or omissions in test processing or reporting caused by laboratory partners or third-party systems.

(c) HIPAA Compliance.
When laboratory partners are covered entities under HIPAA, they are independently responsible for compliance with all HIPAA privacy and security requirements. Jivora may receive de-identified or limited-scope data for the purpose of product integration, reporting, or service improvement, in accordance with applicable law.

12.4 Payment and E-Commerce Integrations

(a) Third-Party Payment Processors.
All financial transactions conducted through the Platform are processed by third-party payment providers. Jivora does not collect or retain complete payment card information and is not responsible for unauthorized access, errors, or security incidents occurring on the payment processor’s systems.

(b) Affiliate Sales or Co-Branded Products.
From time to time, Jivora may offer co-branded or affiliate-linked products through third-party platforms. In such cases, the sale and fulfillment are governed by the policies of the third-party vendor. Jivora disclaims responsibility for third-party order processing, delivery, or product quality.

12.5 Technology Integrations and External APIs

(a) Integrated Services.
Jivora may incorporate third-party APIs, data analytics tools, or cloud-based integrations to enhance functionality, such as account synchronization, content personalization, or automated communications.

(b) User Consent.
By using such integrated services, you authorize Jivora to access, transmit, and process limited data between the Platform and the third-party provider solely for the intended function of the integration.

(c) Liability Disclaimer.
Jivora is not responsible for technical failures, service interruptions, or data inaccuracies arising from third-party API integrations. The user’s reliance on any information obtained through such integrations is at their own risk.

12.6 Third-Party Content and Endorsements

(a) No Endorsement.
Any third-party content, advertisements, or materials displayed on the Platform are provided for informational purposes only. Jivora does not endorse, recommend, or guarantee any third-party products or services referenced on the Platform.

(b) Affiliate Disclosures.
Jivora may receive commissions or other compensation from affiliates or partners in connection with referrals or purchases made through certain links. Such arrangements comply with applicable Federal Trade Commission (FTC) endorsement and disclosure guidelines.

(c) User Responsibility.
It is the user’s responsibility to exercise independent judgment and caution before engaging with or purchasing any third-party product or service.

12.7 External Health and Wellness Resources

The Platform may provide links to educational materials, articles, or resources published by third parties. These materials are provided for informational purposes and are not intended to substitute for professional medical advice, diagnosis, or treatment. Jivora does not verify or warrant the accuracy of any third-party health or scientific content.

12.8 Limitation of Liability for Third-Party Interactions

To the fullest extent permitted by law, Jivora disclaims all liability for losses, damages, claims, or expenses arising out of or relating to your use of any third-party website, service, or integration, including:

1. System or network errors;

2. Data loss or breach on third-party platforms;

3. Misuse of user data by third parties; or

4. Product defects or service failures not directly controlled by Jivora.

Your sole remedy for dissatisfaction with any third-party service is to discontinue use of that service.

12.9 Termination of Third-Party Access

Jivora reserves the right to modify, suspend, or terminate any third-party integration or linked service at any time without notice if it determines that such relationship:

1. Presents a data security or compliance risk;

2. Violates applicable law or regulation; or

3. Is no longer commercially reasonable or aligned with the Platform’s objectives.

Termination of third-party access will not affect the user’s general access to the Platform except to the extent necessary for technical or legal compliance.

SECTION 13. DISCLAIMERS, LIMITATION OF LIABILITY, AND INDEMNIFICATION

13.1 General Disclaimers

(a) Platform and Content Provided “As Is.”
The Jivora Health Platform, its products, digital content, and any services provided through it are offered strictly “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Jivora disclaims all representations and warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or reliability.

(b) Health and Wellness Information.
All health-related content, educational materials, supplement information, and product descriptions available on the Platform are provided for general informational purposes only. They are not intended as a substitute for professional medical advice, diagnosis, or treatment. Users should always seek the advice of a qualified healthcare provider before beginning any new diet, supplement, or wellness regimen. Reliance on any information provided by Jivora or its affiliates is solely at the user’s discretion and risk.

(c) No Medical or Therapeutic Guarantee.
Jivora does not guarantee that use of its services, products, or content will result in any specific health, performance, or therapeutic outcomes. The effectiveness of supplements or diagnostic products may vary based on individual factors beyond Jivora’s control.

(d) Technology and Accessibility.
Jivora does not warrant that the Platform will be uninterrupted, secure, error-free, or compatible with all devices and browsers. Periodic maintenance, updates, or technical failures may cause temporary unavailability. Users acknowledge that use of the Platform involves inherent risks of data transmission over the Internet.

13.2 Product and Service-Specific Disclaimers

(a) Supplements and Nutritional Products.
All supplement products are intended for use by adults who have consulted a healthcare professional. Statements regarding these products have not been evaluated by the U.S. Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.

(b) Laboratory and Diagnostic Services.
Diagnostic and laboratory testing offered through the Platform is performed by independent, third-party providers. Jivora makes no representation regarding the accuracy, timeliness, or reliability of test results or medical interpretations provided by such third parties. Users are responsible for verifying results with their healthcare providers.

(c) Third-Party Content.
Jivora assumes no responsibility for the accuracy or completeness of any content or materials provided by third-party partners, authors, or contributors.

(d) Force Majeure.
Jivora shall not be held responsible for any delay, failure, or disruption of service resulting from events beyond its reasonable control, including but not limited to natural disasters, acts of war, labor disputes, cyberattacks, or governmental restrictions.

13.3 Limitation of Liability

(a) Maximum Liability.
To the maximum extent permitted by law, Jivora, its affiliates, officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with:

1. The use or inability to use the Platform or products;

2. Any reliance on information provided through the Platform;

3. Unauthorized access to or alteration of user data;

4. Statements or conduct of any third party; or

5. Any other matter relating to the use of the Platform.

In no event shall Jivora’s total cumulative liability to any user exceed the greater of (i) one hundred dollars ($100) or (ii) the total amount paid by the user for products or services within the twelve (12) months preceding the claim.

(b) Allocation of Risk.
Users acknowledge that the above limitations are fundamental elements of the bargain between the parties. The Platform would not be provided without such limitations.

(c) Jurisdictional Variations.
Certain jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, the liability of Jivora shall be limited to the maximum extent permitted by law.

13.4 Indemnification

(a) User Obligation to Indemnify.
You agree to defend, indemnify, and hold harmless Jivora Health, its subsidiaries, affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees and expenses) arising out of or related to:

1. Your violation of these Terms;

2. Your use or misuse of the Platform, products, or content;

3. Your breach of any representations or warranties;

4. Any dispute between you and a third party, including other users, laboratories, or vendors;

5. Your violation of applicable law, regulation, or rights of any third party; or

6. Any unauthorized or improper use of your account.

(b) Defense and Control.
Jivora reserves the right, at its sole expense, to assume the exclusive defense and control of any matter subject to indemnification. You agree to cooperate fully in such defense and not to settle any matter without Jivora’s prior written consent.

(c) Survival.
This Section 13.4 shall survive the termination of your account, cancellation of any service, or cessation of your use of the Platform.

13.5 Dispute Resolution Disclaimer

Nothing in this Section shall limit the rights or obligations of the parties under Section 15 regarding arbitration or alternative dispute resolution. However, users acknowledge that the disclaimers and limitations in this Section apply to all disputes, including those resolved through arbitration.

13.6 Acknowledgment of Risk

By using the Platform, purchasing any product, or participating in any Jivora program, you expressly acknowledge that:

1. You understand and accept all risks associated with wellness, nutrition, and supplement use;

2. You are solely responsible for ensuring the products and services are appropriate for your individual health conditions; and

3. Jivora shall not be liable for any adverse reactions, misuse, or health outcomes resulting from your reliance on Platform materials or products.

SECTION 14. DISPUTE RESOLUTION, GOVERNING LAW, AND ENFORCEMENT

14.1 Good Faith Resolution

Before pursuing formal dispute resolution, both you and Jivora agree to make reasonable, good faith efforts to resolve any disagreement, claim, or controversy arising out of or relating to these Terms, the Platform, or any product or service. Either party may initiate this process by delivering a written notice describing the nature and basis of the claim and the relief sought.

If the dispute is not resolved within thirty (30) days of such notice, either party may proceed to binding arbitration as set forth below.

14.2 Mandatory Binding Arbitration

(a) Agreement to Arbitrate.
You and Jivora agree that any dispute, claim, or controversy arising out of or relating in any way to these Terms, the Platform, or your relationship with Jivora (including its formation, validity, performance, or termination) shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer-Related Disputes.

This arbitration provision is governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1–16, and shall apply regardless of the nature of the relief sought (monetary, injunctive, or declaratory).

(b) Arbitrator and Location.
The arbitration shall be conducted by a single, neutral arbitrator with substantial experience in commercial contract and consumer law. Unless the parties agree otherwise, the arbitration will be conducted in Cheyenne, Wyoming, or by virtual hearing if both parties consent.

(c) Arbitration Procedure.
Each party shall bear its own attorneys’ fees and costs, subject to the arbitrator’s authority to award such fees in accordance with applicable law. The arbitrator shall have the authority to grant any remedy or relief available under applicable law, but may not award punitive damages unless expressly permitted by statute.

(d) Confidentiality.
All arbitration proceedings, submissions, and awards shall be strictly confidential and not disclosed to third parties, except as required by law or for purposes of enforcing an arbitral award.

14.3 Class Action and Jury Trial Waiver

(a) No Class or Representative Actions.
To the fullest extent permitted by law, you and Jivora agree that any arbitration or proceeding shall be conducted solely in your individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action.

The arbitrator may not consolidate claims or preside over any form of class, collective, or representative proceeding.

(b) Waiver of Jury Trial.
You and Jivora each irrevocably waive any right to a trial by jury in any court action or proceeding arising out of or relating to these Terms, the Platform, or any transaction or relationship between you and Jivora.

This waiver is knowingly, voluntarily, and intentionally made.

14.4 Opt-Out of Arbitration (Limited Right)

You may opt out of this arbitration provision only by providing written notice of your intent to do so within thirty (30) days after the date you first become subject to these Terms. The opt-out notice must be sent to Jivora Health Legal Department at the mailing address provided in Section 16.4.

If you opt out, both parties retain the right to bring claims in a court of competent jurisdiction as described in Section 14.6.

14.5 Small Claims Exception

Notwithstanding the arbitration provisions above, either party may bring an individual action in a small claims court of competent jurisdiction for disputes or claims within that court’s monetary limits, provided such action remains on an individual basis.

14.6 Governing Law

(a) Applicable Law.
These Terms and all matters arising from or relating to them shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict-of-law principles.

(b) Federal Arbitration Act.
The FAA governs the interpretation and enforcement of the arbitration agreement set forth in Section 14.2.

(c) Venue for Non-Arbitrable Matters.
If any dispute is determined not to be subject to arbitration, you agree that such dispute shall be filed exclusively in the state or federal courts located in Cheyenne, Wyoming, and you irrevocably consent to the personal jurisdiction and venue of those courts.

14.7 Time Limitation on Claims

You agree that any claim or cause of action arising out of or related to these Terms, the Platform, or your use of Jivora’s products or services must be filed within one (1) year after the cause of action accrues. Otherwise, such claim or cause of action is permanently barred, except where prohibited by applicable law.

14.8 Enforcement of Arbitration Award

The arbitration award shall be final and binding on all parties. Judgment on the award may be entered in any court having jurisdiction. The prevailing party may seek enforcement of the arbitration award, including injunctive or equitable relief, without limitation.

14.9 Attorneys’ Fees

In any dispute or arbitration proceeding arising under these Terms, the prevailing party shall be entitled to recover its reasonable attorneys’ fees, expert witness fees, arbitration costs, and other expenses, to the extent permitted by law.

14.10 Severability of Dispute Provisions

If any portion of this Section 14 is found unenforceable or invalid, the remaining portions shall continue in full force and effect. If the class action waiver in Section 14.3(a) is found unenforceable, the entire arbitration agreement in Section 14.2 shall be void, and any disputes shall instead be resolved in court as specified in Section 14.6.

14.11 Continued Effect After Termination

This Section 14 shall survive termination of your account, cancellation of any subscription, or cessation of your use of the Platform, and shall continue to govern any dispute arising out of your relationship with Jivora.

SECTION 15. NOTICES, CONTACT INFORMATION, AND MISCELLANEOUS LEGAL TERMS

15.1 Notices

(a) Method of Delivery.
All notices, requests, demands, and other communications under these Terms must be in writing and delivered by one of the following methods:

1. Email: Notices sent by email shall be deemed received upon confirmation of transmission to the address designated below.

2. Certified Mail or Courier: Notices sent by certified mail, return receipt requested, or recognized overnight courier shall be deemed received upon documented delivery.

3. Personal Delivery: Effective upon receipt by the intended recipient.
   
   

(b) Addresses for Notice
All communications to Jivora shall be directed to:
Jivora Health – Legal Department
Attn: Legal Notices
[Company Headquarters Address]
Email: legal@jivorahealth.com

All notices to users shall be sent to the email address or mailing address associated with their account. It is each user’s responsibility to maintain accurate contact information.

(c) Emergency Communications.
For urgent or time-sensitive matters affecting service continuity, Jivora may notify users via email, text message, or Platform notifications, followed by formal written confirmation if required.

15.2 Assignment

You may not assign, delegate, or transfer any rights or obligations under these Terms without Jivora’s prior written consent. Any attempted assignment in violation of this provision is void.
Jivora may assign or transfer its rights and obligations under these Terms without restriction, including in connection with any merger, acquisition, corporate reorganization, or sale of assets.

15.3 Entire Agreement

These Terms constitute the entire and exclusive agreement between you and Jivora concerning your use of the Platform and supersede all prior or contemporaneous communications, proposals, or agreements, whether oral or written, relating to the subject matter herein.
No oral statements or prior representations shall modify these Terms unless expressly incorporated in writing and executed by authorized representatives of both parties.

15.4 Waiver

No failure or delay by either party in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy.
A waiver on one occasion shall not be deemed a continuing waiver or a waiver of any subsequent breach. All waivers must be in writing and executed by the waiving party.

15.5 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall continue in full force and effect.
Such invalid or unenforceable provision shall be modified and interpreted to best accomplish the objectives of the original provision to the fullest extent permitted by law.

15.6 Relationship of the Parties

These Terms do not create a partnership, joint venture, employment, fiduciary, or agency relationship between you and Jivora. Both parties remain independent contractors with respect to all obligations under this Agreement. No party has authority to bind the other except as expressly provided.

15.7 Force Majeure

Neither Jivora nor any of its affiliates shall be liable for any failure or delay in performance caused by events beyond reasonable control, including but not limited to acts of God, natural disasters, fire, flood, epidemic, war, terrorism, labor disputes, supply chain disruptions, cyber incidents, or governmental actions. Performance shall resume as soon as practicable following removal of the force majeure condition.

15.8 Modification of Terms

(a) Right to Amend.
Jivora reserves the right to amend, modify, or update these Terms at any time. The updated version will be posted on the Platform with a revised “Last Updated” date.

(b) Notice of Material Changes.
Users will be notified of material changes through email or prominent notice on the Platform. Continued use after such notice constitutes acceptance of the updated Terms.

(c) User Review Responsibility.
You are responsible for periodically reviewing the Terms to stay informed of any changes.

15.9 Headings and Interpretation

Headings are for convenience only and do not affect interpretation. The words “including,” “includes,” and “include” shall be deemed to be followed by the phrase “without limitation.”
Singular terms include the plural, and vice versa, as context requires.

15.10 Electronic Communications and Signatures

You consent to receive all communications from Jivora electronically and agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
Electronic signatures, acknowledgments, or click-through acceptances shall have the same force and effect as handwritten signatures.

15.11 Survival of Provisions

The following sections shall survive termination of your account or cessation of Platform use:
Sections 6 (Intellectual Property), 7 (User Content and Submissions), 9 (Data and Privacy), 12 (Third-Party Services), 13 (Disclaimers and Liability), 14 (Dispute Resolution), and 15 (Miscellaneous Legal Terms).

15.12 Governing Language

These Terms are written in English and shall be interpreted exclusively in that language. Translations, if provided, are for convenience only and do not modify the meaning or intent of the English version.

15.13 Acknowledgment

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms and that you are of legal age and capacity to enter into a binding contract. You further acknowledge that these Terms constitute a legally enforceable agreement between you and Jivora Health.

15.14 Contact Information

For any inquiries regarding these Terms or to report violations, you may contact Jivora as follows:
Email: support@jivorahealth.com
Mail: Jivora Health Legal Department, [Full Mailing Address]

15.15 Effective Date

These Terms are effective as of January 19, 2026 and remain in effect until amended or replaced.