Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the Fair Care Plus mobile application, website, and related services (collectively, the "Service") provided by Fair Care Plus ("we," "our," or "us"). By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use the Service. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Service

Fair Care Plus is a healthcare benefits platform that enables employees to receive reimbursements for cash-pay healthcare expenses. Our Service includes:

• Receipt upload and processing using optical character recognition (OCR)
• Reimbursement calculation based on employer benefit plans
• Reimbursement tracking and payment processing
• Provider directory and search functionality
• Benefit plan information and utilization tracking

Fair Care Plus is not an insurance company and does not provide insurance coverage. We facilitate reimbursement of eligible healthcare expenses according to your employer's benefit plan.

3. Eligibility and Account Registration

3.1 Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Be an employee of an employer that has enrolled in Fair Care Plus
• Have a valid email address
• Provide accurate and complete information

3.2 Account Registration

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your information to keep it accurate
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

4. Use of Service

4.1 Permitted Use

You may use our Service only for lawful purposes and in accordance with these Terms. You agree to:

• Use the Service only for submitting legitimate healthcare receipts
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Respect the rights of others

4.2 Prohibited Activities

You agree NOT to:

• Submit fraudulent, false, or misleading receipts or information
• Attempt to receive reimbursement for ineligible expenses
• Upload receipts that are not your own or that you do not have permission to submit
• Use the Service to violate any law or regulation
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated systems to access the Service without permission
• Impersonate any person or entity
• Harass, abuse, or harm other users

5. Receipt Submission and Reimbursement

5.1 Receipt Requirements

To be eligible for reimbursement, receipts must:

• Be for eligible healthcare services as defined by your benefit plan
• Be paid in cash (not through insurance)
• Be clear, legible, and contain all required information
• Be submitted within the timeframes specified by your benefit plan
• Be authentic and not altered or falsified

5.2 Reimbursement Processing

Reimbursement amounts are calculated based on your employer's benefit plan rules. We reserve the right to:

• Review and verify all receipts and information
• Request additional documentation if needed
• Reject receipts that do not meet eligibility requirements
• Flag suspicious activity for fraud review
• Delay or deny reimbursement for non-compliant submissions

5.3 Reimbursement Timeline

Reimbursements are typically processed within 3-5 business days after approval, subject to your employer's benefit plan terms and payment processing timelines.

6. Intellectual Property

The Service, including all content, features, functionality, software, and design, is owned by Fair Care Plus and protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works of the Service
• Use our trademarks or logos without permission
• Remove any copyright or proprietary notices
• Use the Service for commercial purposes without authorization

7. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your information, including Protected Health Information (PHI) under HIPAA. By using the Service, you consent to our data practices as described in the Privacy Policy.

8. Disclaimers

8.1 Service Availability

We strive to provide reliable service but do not guarantee that the Service will be available at all times, uninterrupted, or error-free. The Service may be subject to maintenance, updates, or technical issues.

8.2 Medical Advice

Fair Care Plus does not provide medical advice. The Service is for reimbursement processing only and does not constitute medical advice, diagnosis, or treatment recommendations. Always consult with qualified healthcare providers for medical decisions.

8.3 Third-Party Services

The Service may include links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of third-party services.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAIRCARE AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

Our total liability for any claims arising from the Service shall not exceed the amount you paid to us in the 12 months preceding the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Fair Care Plus and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any fraudulent or illegal activity

11. Termination

11.1 Termination by You

You may stop using the Service at any time. You may request account deletion by contacting us, subject to our data retention obligations under HIPAA and applicable law.

11.2 Termination by Us

We may suspend or terminate your access to the Service immediately, without prior notice, if:

• You violate these Terms
• You engage in fraudulent activity
• Your employer terminates its relationship with Fair Care Plus
• We are required to do so by law
• We discontinue the Service

11.3 Effect of Termination

Upon termination, your right to use the Service will cease immediately. We may delete or de-identify your account information in accordance with our Privacy Policy and legal obligations.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions.

12.2 Dispute Resolution Process

If you have a dispute with us, you agree to first contact us to attempt to resolve the dispute informally. If we cannot resolve the dispute within 60 days, you agree to resolve the dispute through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

12.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending an email notification to your registered email address
• Displaying a notice in the app

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fair Care Plus regarding the Service and supersede all prior agreements and understandings.

16. Contact Us