Legal · Terms of Service
The agreement between you and us.
When you create a Conceptual Health® account, you and Conceptual Healthcare Corporation enter into the agreement below. It's written in plain language because legalese hides bad ideas. If anything here surprises a reasonable person, that's our fault — write legal@conceptualhealth.com and we'll either explain it or change it.
Last updated: April 2026. Material changes get 30 days' notice; the prior version stays available at /legal/terms/archive/.
1 · Agreement
What you're agreeing to.
Creating an account is your acceptance of these Terms, the Privacy Policy, the Cookie Policy, and any product-specific terms attached to a feature you turn on (research participation, clinical-grade portals, the HC.exchange marketplace). We don't bury new terms inside a click-through; product-specific terms always present themselves before the feature activates.
2 · Eligibility
Who can open an account.
You must be 18 or older, or a minor enrolled by a parent or legal guardian through the guardian-flow. Identity is verified through a KYC partner (Stripe Identity) — this is required to keep the platform clean of bots and to support payouts in HCR and HCC. We do not retain KYC documents after verification; the partner does, under its own retention policy.
3 · Acceptable use
The short list of things that get an account closed.
You agree not to: (a) impersonate a clinician or hold yourself out as having a license you don't have; (b) manipulate the CH score, the Master Equation axes, or any chain-recorded value through fabricated input or automated submission; (c) attempt to extract, copy, or share protected health information that isn't yours; (d) reverse-engineer the Master Equation, the audit chain, the HCR/HCC consensus rules, or any cryptographic primitive we use. Routine reading of public surfaces — proof pages, transparency reports, this page — is encouraged.
4 · HCR and HCC
What the tokens are, and what they aren't.
HCR (HEALTHCOIN™) is earned through verified health behavior, recorded on Conceptual Health's HMAC-chain ledger. HCC is earned through opt-in contributions to research or platform work, recorded on the same ledger. Neither token is a security, a deposit, or an investment contract. We make no promise of future exchange value, no promise of redemption against fiat, no promise of liquidity. The HC.exchange marketplace lets account-holders trade with each other; pricing is a function of supply and demand on that book, not a corporate guarantee.
5 · Clinical care
What the product is, and what it isn't.
Clinicians on the Conceptual Health® platform are independently licensed in the states they practice in, and they — not the corporation, not the Master Equation — are responsible for the clinical care they deliver. The Master Equation is a wellness scoring model. It is not a diagnostic tool, not a medical device under FDA Class II, and should not be used to replace examination by a licensed clinician. Any output you see on the patient surfaces is informational; clinical decisions belong with the clinician.
6 · Account security
Your passkey is your responsibility.
Your account is gated by a device-held passkey. We do not have a copy. If you lose every device, recovery routes through: (1) a hardware security key you previously enrolled, (2) recovery contacts you designated at sign-up, or (3) an in-person identity check at the flagship Destin clinic. We will never email a "reset link" for your passkey — anyone offering one is impersonating us. Report suspected impersonation to security@conceptualhealth.com.
7 · Termination
Either side can end this. Here's how.
You can close your account at any time from Settings → Account → Close, with no penalty. We can suspend or close an account for material violations of §3, for fraud, or in response to a valid court order. Aggregate counts of suspensions and the reasons for them are published quarterly in the Transparency Report.
8 · Disclaimers
What we're not promising.
The platform is provided as-is. We do not warrant: that wearable-device measurements are clinical-grade; that the HMAC chain will never fork or be re-organized in response to a documented integrity event; that HCR or HCC will hold any particular value over time; or that any individual feature will remain available in its current form. We work hard to make all of those things true. We can't legally promise them.
9 · Limitation of liability
The cap, and what's outside it.
Conceptual Healthcare Corporation's total liability for any claim arising from your use of the platform is capped at the greater of $100 USD or the fees you paid us in the 12 months before the claim arose. This cap does not apply to: gross negligence, willful misconduct, or claims arising from personal injury caused by Conceptual Healthcare Corporation employees acting in scope.
10 · Disputes
Florida law. Destin venue. Arbitration first.
This agreement is governed by the laws of the State of Florida. Disputes are resolved by binding arbitration in Destin, Florida, before a single arbitrator under the AAA Consumer Arbitration Rules — except for (a) small-claims matters within the jurisdictional limit and (b) intellectual-property claims, which proceed in state or federal court in Okaloosa County, Florida. You may opt out of arbitration within 30 days of account creation by emailing legal@conceptualhealth.com with the subject line opt-out arbitration; opting out does not affect any other section.
11 · Changes
How we change these Terms.
Material changes get 30 days' notice by email and in-app. Continued use after the notice period is acceptance; if you don't accept, close the account during the notice period with no penalty and no exit obligation. Non-material edits — typos, broken links, clarifying examples — take effect on posting and are tracked in the version archive.
Questions
Anything here unclear?
Write legal@conceptualhealth.com. The legal inbox is read by the General Counsel and by a founder. If we can't explain a clause to a reasonable person in two sentences, we'll rewrite the clause.