Terms of Service

By accessing or using any websites, applications, platforms, or services provided by CareGuard Platform Technologies Corp. ("Company," "we," "us," or "our"), including but not limited to ChatNasium, 123MeetWithMe!, AskFLC, ReachADoctorNow, and any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Services. These Terms constitute a legally binding agreement between you and CareGuard Platform Technologies Corp. We reserve the right to modify these Terms at any time. Your continued use of the Services following any changes constitutes acceptance of the modified Terms.

To use our Services, you must be at least 18 years of age or the age of majority in your jurisdiction. By using our Services, you represent and warrant that you meet these eligibility requirements. When you create an account, you agree to: • Provide accurate, current, and complete information • Maintain and promptly update your account information • Maintain the security of your account credentials • Accept responsibility for all activities under your account • Notify us immediately of any unauthorized use We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.

CareGuard Platform Technologies Corp. provides AI-powered platforms and technology solutions, including: • ChatNasium: A general-purpose AI assistant for productivity, learning, and everyday tasks • 123MeetWithMe!: An intelligent appointment scheduling platform • AskFLC: An AI-powered health insurance information assistant • ReachADoctorNow: A telehealth services platform (when available) • Health insurance enrollment and management tools Our Services are provided "as is" and "as available." We continuously work to improve our platforms but do not guarantee uninterrupted or error-free operation.

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree NOT to: • Use the Services for any illegal or unauthorized purpose • Violate any applicable laws, regulations, or third-party rights • Transmit harmful, offensive, or objectionable content • Attempt to gain unauthorized access to our systems or networks • Interfere with or disrupt the Services or servers • Use automated systems to access the Services without permission • Impersonate any person or entity • Use the Services to send spam or unsolicited communications • Reverse engineer, decompile, or attempt to extract source code • Use AI-generated content in ways that violate applicable laws or regulations Violation of this policy may result in immediate termination of your access to the Services.

All content, features, and functionality of our Services—including but not limited to text, graphics, logos, icons, images, audio, video, software, and the underlying code—are owned by CareGuard Platform Technologies Corp. or our licensors and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal or internal business purposes. This license does not include: • Modifying or copying our materials • Using materials for commercial purposes without authorization • Removing any copyright or proprietary notices • Transferring materials to another person or "mirroring" on any other server Content you create using our AI tools remains your property, subject to our right to use anonymized data to improve our Services.

Certain Services may require payment of fees. By subscribing to paid Services, you agree to: • Pay all applicable fees as described at the time of purchase • Provide valid payment information • Authorize us to charge your payment method for recurring subscriptions • Be responsible for any taxes applicable to your purchases Subscription fees are billed in advance on a recurring basis. You may cancel your subscription at any time, but refunds are provided only as required by law or as expressly stated in our refund policy. We reserve the right to change our pricing with reasonable notice. Price changes will apply to subsequent billing periods.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that: • The Services will be uninterrupted, secure, or error-free • Results obtained from the Services will be accurate or reliable • Any errors in the Services will be corrected AI-GENERATED CONTENT DISCLAIMER: Our AI assistants provide information for general purposes only. AI-generated content should not be considered professional advice. For medical, legal, financial, or other professional matters, consult qualified professionals. HEALTHCARE DISCLAIMER: Information provided through our health-related platforms is for informational purposes only and does not constitute medical advice, diagnosis, or treatment.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAREGUARD PLATFORM TECHNOLOGIES CORP. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR: • Any indirect, incidental, special, consequential, or punitive damages • Loss of profits, data, use, goodwill, or other intangible losses • Damages resulting from unauthorized access to or use of our servers • Damages resulting from interruption or cessation of the Services • Damages resulting from any content obtained from the Services IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless CareGuard Platform Technologies Corp., its officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: • Your violation of these Terms • Your use of the Services • Your violation of any rights of a third party • Any content you submit or transmit through the Services • Your violation of any applicable laws or regulations

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination: • Your right to use the Services will immediately cease • We may delete your account and any associated data • All provisions of these Terms which by their nature should survive will survive, including intellectual property provisions, disclaimers, and limitations of liability You may terminate your account at any time by contacting us or using account settings where available.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than arbitration, you waive any right to a jury trial. Notwithstanding the foregoing, we may seek injunctive or other equitable relief in any court of competent jurisdiction.

If you have any questions about these Terms of Service, please contact us: CareGuard Platform Technologies Corp. Phone: +1 (888) 965-5558 Email: legal@careguardplatform.com For general inquiries, visit our website or use the contact form available on our platforms.