1. Agreeing to these terms.
By creating an account, signing in, or using any Conceptual Health® property (Guardian Orb™, Clinical, Provider AI, hc.exchange, Datavault, Pharmacy, Chain, University, Church, Social, or the marketing front door), you agree to these Terms, the Privacy Policy, the Acceptable Use rules, and any product-specific terms presented to you in-app at the moment they apply (e.g., the telehealth consent before your first visit). If you do not agree, do not use the service.
2. Who can use Conceptual Health®.
You must be 18 or older to create an adult account. If you are between 13 and 17, your parent or legal guardian creates an account for you and supervises consent. We do not knowingly collect personal information from children under 13 (under 16 in the EU/UK/EEA) without verifiable parental consent. The service is currently offered in the United States; international availability is limited and signaled in product.
3. Clinical care, telehealth, and emergencies.
Conceptual Health® is not an emergency service. If you are experiencing a medical emergency, call 911 (or your local emergency number) immediately. Telehealth visits are conducted by licensed clinicians; not every condition is appropriate for telehealth, and the clinician may decline to treat or refer you in person. Clinical decisions are made by clinicians, not by the Master Equation™. The Master Equation™ measures axes; it does not prescribe.
4. Your account.
You are responsible for keeping your credentials secure. Notify us within 24 hours of any suspected compromise. We will never ask for your password by email, SMS, or phone. We may require step-up authentication (passkey, multi-factor) for sensitive actions. You may not transfer your account or share credentials.
5. The chain, Health Credit Receipts, and your wallet.
Your Conceptual Health® wallet holds the Health Credit Receipts (HCRs) earned through verified axis lifts. HCRs are not securities and are not investments. Their economic significance is governed by the published rules of the chain and the validator institutions, not by us alone. You may export your wallet, redeem HCRs in supported venues, or self-custody. We do not guarantee any market value for HCRs and we make no statement about future value. Chain rule changes require Trust Council ratification; you can read every vote in the public governance log.
6. Payment.
Some Conceptual Health® services are free at the point of use; some are billed to your insurance or, where you have authorized, to your payment method. We display the price before the charge. Refunds for non-clinical purchases are issued within 30 days of request unless the service was already delivered. Insurance disputes are handled per the appeals process described in your benefits summary. Stripe is the payment processor; their Terms apply to the payment leg.
7. Acceptable use.
Do not: impersonate another person, falsify identity, attempt to mint HCRs you have not earned, scrape or systematically extract data, reverse-engineer the Master Equation™ to game it, harass or harm another member, post unlawful content, or use the service for activity that violates HIPAA, FDA, FTC, securities, or sanctions law. We may suspend or terminate accounts for material violations and report to authorities where required.
8. Your content.
You retain ownership of content you upload. You grant us a limited, revocable license to host, display, and process it solely to deliver the service to you and to your authorized care team. We do not use your health information to train models that benefit third parties. We do use de-identified, aggregated metrics to improve product quality.
9. Our intellectual property.
Conceptual Health®, Conceptual Healthcare Corporation, the Master Equation™, Guardian Orb™, and the eleven property names are trademarks of Conceptual Healthcare Corporation. The patent on the Master Equation™ methodology is U.S. application 63/921,717 (pending). The chain rule set, validator code, and HCR schema are open-source under permissive license; the Trust Council holds the upstream.
10. Warranties and limits.
The service is provided "as is" and "as available." We make commercially reasonable efforts to maintain accuracy and uptime; we do not warrant that the service is uninterrupted or error-free. To the maximum extent permitted by law, our aggregate liability under these Terms is capped at the greater of (a) the amounts you paid us in the 12 months preceding the claim or (b) USD $250. Nothing in these Terms limits liability for gross negligence, willful misconduct, or any liability that cannot be limited by law.
11. Indemnification.
You will indemnify and hold us harmless from claims arising out of (a) your violation of these Terms, (b) your violation of a third party's right, or (c) your unlawful use of the service. We will indemnify you for third-party claims that the service, used as intended, infringes a U.S. patent, copyright, or trademark.
12. Governing law and disputes.
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. We will attempt to resolve any dispute informally first; you agree to contact legal@conceptualhealth.com before initiating formal proceedings. If we cannot resolve, disputes go to binding arbitration in Houston, Texas under the AAA Consumer Rules, except for small-claims matters and equitable relief, which may be brought in court. You may opt out of arbitration within 30 days of account creation by emailing arbitration-optout@conceptualhealth.com. No class actions, except where prohibited by law.
13. Termination.
You may close your account any time from your settings. We may suspend or terminate the account for material violation of these Terms, with notice and a chance to cure where reasonable. Sections 5, 8, 9, 10, 11, and 12 survive termination.
14. Changes to these terms.
We will give at least 30 days' notice of material changes by email and in-app. Continued use after the effective date constitutes acceptance. The version history of these Terms is itself published in the governance log.