Условия для страховых компаний

PLATFORM / COMPANY:

DOCIO HEALTH LTD, a private limited company incorporated in England and Wales (Company No. 17270960), whose registered office is at C/O Unit 4, Kinetica, 13 Ramsgate Street, London, United Kingdom, E8 2FD ("Platform", "Company", "we", "us", "our")

MEDICAL ASSISTANCE COMPANY:

Any legal entity that registers on the Platform as a medical assistance company or insurance provider and uses the Platform to arrange on-demand medical services on behalf of its insured travellers, policyholders, or other beneficiaries ("Medical Assistance Company", "MAC", "you", "your")

The Platform and the MAC are each referred to individually as a "Party" and collectively as the "Parties". These Terms of Service ("Terms") govern the MAC's access to and use of the Docio Health application and any associated web interface operated by the Platform (the "App") and all related services operated by the Platform. By creating an account or using the App, the MAC agrees to be bound by these Terms in their entirety.

1.1 These Terms constitute a legally binding agreement between the MAC and the Platform.

1.2 By completing the registration process, ticking the corresponding acceptance box in the App, or otherwise accessing or using the App as a registered MAC, the individual accepting these Terms on behalf of the MAC confirms that:

a) they have read and understood these Terms;

b) they are duly authorised to act on behalf of the MAC and to bind the MAC to these Terms, and they warrant that they have such authority;

c) the MAC is a validly existing legal entity with the capacity to enter into a binding agreement; and

d) the MAC accepts these Terms in full and agrees to comply with them.

1.3 If the MAC does not agree to these Terms, the MAC must not register for, access, or use the App.

1.4 Amendments The Platform may update these Terms from time to time. Where changes are material, the Platform will provide reasonable notice through the App or by email. The MAC's continued use of the App following such notice constitutes acceptance of the updated Terms. If the MAC does not accept the updated Terms, the MAC must stop using the App and may close its account by contacting the Platform at support@dociohealth.com, in which case the Parties shall discuss the orderly closure of the MAC's account.

1.5 These Terms should be read alongside our Privacy Policy, which sets out how we collect, use, and protect personal data, including health and location data, processed in connection with the App.

1.6 These Terms are entered into as of the date on which the MAC accepts them in accordance with Article 1.2 (the "Effective Date").

In these Terms, the following terms shall have the meanings set out below:

- "Beneficiary": a natural person on whose behalf the MAC submits an appointment request or makes a Booking through the App, being an insured traveller, policyholder, or other person to whom the MAC provides insurance, assistance, or related services.

- "Booking": a confirmed appointment between a Beneficiary and a Physician arising from the MAC's acceptance, on behalf of the Beneficiary, of a Treatment Proposal in accordance with Article 5.

- "Clinical Data": data generated in the course of a Booking that relates to the Beneficiary's health, including presenting symptoms, the treatment proposal built by the Physician, the medical report completed by the Physician, diagnoses, treatments, and prescriptions.

- "Data Protection Legislation": all applicable data protection and privacy legislation in force from time to time in the United Kingdom, including the UK General Data Protection Regulation as it forms part of the law of England and Wales by virtue of the European Union (Withdrawal) Act 2018 and the Data Protection Act 2018, in each case as amended, re-enacted, or replaced from time to time.

- "Medical Services": the on-demand medical services provided to a Beneficiary by a Physician pursuant to a Booking.

- "No-Show": any situation in which the Beneficiary declines to receive the service after the Physician has arrived at the confirmed service location, or in which the Beneficiary fails to attend or to provide the Physician with access at the confirmed service location.

- "Physician": an independent medical practitioner registered on the Platform as an independent contractor.

- "Service Fee": the total amount charged to the MAC for a Booking, including any fees for additional procedures recorded by the Physician, as described in Article 6.

- "Share Link": a consent-based link generated through the Platform through which appointment information, medical reports, or live service location relating to a Booking may be shared, as described in Article 7.

- "Treatment Proposal": a proposal submitted by a Physician through the App in response to an appointment request, setting out the proposed Medical Services and the applicable Service Fee.

3.1 The Platform is a technology intermediary, not a healthcare provider The Platform operates a digital matching platform that connects patients seeking on-demand medical services with independent, self-employed healthcare professionals ("Physicians"). The Platform does not provide, direct, supervise, or control the delivery of any medical, clinical, or healthcare service.

3.2 The Platform does not employ Physicians All Physicians who register on the Platform are independent contractors. They are not agents, employees, or representatives of the Platform. The Platform has no employer-employee relationship, agency relationship, or partnership with any Physician.

3.3 Medical services are provided solely by Physicians Any consultation, diagnosis, treatment, prescription, advice, or procedure is performed exclusively by the Physician attending to the Beneficiary. The Platform plays no part in and accepts no responsibility for any clinical decision, medical judgment, or course of treatment.

3.4 The Platform is not responsible for the acts or omissions of Physicians Subject always to Article 12.4, and without limiting the generality of Article 12, the Platform accepts no liability for:

a) any diagnosis, misdiagnosis, treatment, or failure to treat by a Physician;

b) any prescription, medication, or medical product administered or recommended by a Physician;

c) any clinical error, negligence, or malpractice by a Physician;

d) the qualifications, registration, licences, or professional standing of any Physician;

e) any physical, psychological, or financial harm arising from a Physician's services.

3.5 The Platform takes reasonable endeavours to verify that Physicians hold appropriate professional registration during the initial onboarding process and periodically thereafter. Such verification does not constitute a representation, warranty, or guarantee as to the currency, accuracy, or continued sufficiency of any Physician's credentials at any given time. The Physician is solely responsible for maintaining all required licences, registrations, and insurance at all times.

3.6 By using the App, the MAC acknowledges and accepts that the Platform's role is limited to facilitating the connection between Beneficiaries and Physicians and processing associated payments. The MAC accepts, on its own behalf, the inherent risks of arranging medical services from independent practitioners.

3.7 Physician's prescribing authority and local registration The Physician's authority to prescribe medication, administer treatments, and provide medical care is governed by the local laws and regulations of the territory in which the service is physically provided. This may differ from the laws of the Beneficiary's home country or the country in which the relevant insurance or assistance policy was issued. The MAC is responsible for verifying, where relevant, whether a prescription or treatment received through the App is recognised or covered under the Beneficiary's policy or in the Beneficiary's home jurisdiction. The Platform makes no representation regarding the recognition of any Physician's credentials outside the territory of service.

4.1 To use the App, the MAC must create an account by providing accurate, current, and complete registration information, including its legal name, company or registration number, registered office address, contact details, and payment information. The MAC agrees to keep this information up to date at all times.

4.2 The MAC's account may be accessed only by individuals authorised by the MAC to act on its behalf. The MAC shall ensure that each such individual complies with these Terms, and the acts and omissions of the MAC's employees, agents, and contractors in connection with the App shall be deemed the acts and omissions of the MAC. The MAC is responsible for all activity that occurs under its account.

4.3 The MAC is responsible for maintaining the confidentiality of its account credentials. The MAC must not share its login details with any third party outside the individuals authorised under Article 4.2.

4.4 The MAC must notify us immediately at support@dociohealth.com if it suspects any unauthorised access to or use of its account.

4.5 The Platform reserves the absolute right, at its sole and unfettered discretion, to accept or reject any application for registration, without being required to give reasons for any rejection, and to suspend or terminate accounts at its discretion, including where it reasonably believes the information provided is false, misleading, or in breach of these Terms. Submission of an application creates no right or legitimate expectation of acceptance.

5.1 The MAC may use the App to submit appointment requests and to make Bookings on behalf of Beneficiaries. An appointment request must specify the Beneficiary's service location and the Beneficiary's symptoms or the reason for the request. Physicians may respond by submitting Treatment Proposals through the App; a Booking is formed when the MAC accepts a Treatment Proposal on behalf of the Beneficiary.

5.2 Beneficiary authority and consent Before submitting any appointment request on behalf of a Beneficiary, the MAC warrants that it has obtained from that Beneficiary:

a) authority to request and arrange the Medical Services on the Beneficiary's behalf, including to accept a Treatment Proposal; and

b) the Beneficiary's consent to the processing and sharing of the Beneficiary's personal data, including health data, as described in Article 8,

and the MAC shall provide evidence of such authority and consent to the Platform upon reasonable request.

5.3 The MAC is responsible for providing accurate and complete information about the Beneficiary, including the Beneficiary's identity, symptoms or reason for the request, and service location. The Platform and the attending Physician are entitled to rely on the information submitted by the MAC, and the Platform accepts no liability for any harm arising from the MAC's failure to provide accurate and complete information.

5.4 The medical service contract is between the Beneficiary and the Physician The medical service contract is formed directly between the Beneficiary and the Physician. Neither the Platform nor the MAC is a party to the clinical relationship between the Beneficiary and the Physician, and nothing in these Terms alters the Physician's sole responsibility for the Medical Services.

5.5 Beneficiary's right to decline The Beneficiary retains the right to decline or withdraw from a service at any stage of the process, including upon the Physician's arrival at the service location. A Beneficiary is never obligated to receive medical treatment from a Physician to whom they have not consented. Cancellation fees arising from a Beneficiary's late cancellation or No-Show are borne by the MAC in accordance with Article 6.

5.6 The Platform does not guarantee that any Physician will respond to a request, nor the availability of any Physician at any given time or location. Response times and Physician availability may vary. The App is provided on an "as available" basis.

5.7 Medical emergencies Nothing in these Terms is intended to delay or discourage a Beneficiary from seeking emergency medical assistance. The MAC must not use the App to arrange care for a Beneficiary in a life-threatening situation; in such cases the Beneficiary should call emergency services (112 or the applicable local emergency number) immediately.

6.1 Service Fee The fee for the Physician's services (the "Service Fee") will be displayed in the App before the MAC confirms a Booking. The Service Fee is set by the Physician, subject to minimum pricing and formatting rules established by the Platform, and is inclusive of the Platform's commission. Service Fees may vary depending on, among other things, the time of day, the location of the service, and Physician availability; the amount displayed in the App at the time the MAC accepts a Treatment Proposal is the binding amount. All fees are quoted in euros (EUR) and are inclusive of any applicable taxes (including VAT or GST) as required by the law of the territory in which the service is provided, unless stated otherwise. The Platform's standard commission applies to cancellation fees (including No-Show fees) in the same manner as it applies to completed Bookings; the amounts displayed in the App as cancellation fees represent the gross amounts charged to the MAC, of which the Physician receives the net amount after deduction of the applicable commission.

6.2 Pre-Authorisation (Card Hold) Upon the MAC's acceptance of a Treatment Proposal, the Platform will place a pre-authorisation hold on the MAC's registered payment card for the amount of the applicable Service Fee. This hold is not an immediate charge; it reserves funds on the card pending completion of the service. The card issuer may temporarily reduce the available balance by the pre-authorised amount.

6.3 Payment Processing All payments are processed through Stripe, Inc. ("Stripe"), or a similar third-party payment processor ("TPPP"). By providing its payment details, the MAC agrees to the third-party payment processor's terms and conditions. The Platform does not store the MAC's full payment card details. Payment information is handled by TPPP in accordance with applicable payment industry standards.

6.4 Additional Services If the Physician records additional procedures or treatments through the App during the consultation, the pre-authorisation hold will be extended or a separate authorisation will be requested to cover the additional charges. The pre-authorised hold may be extended and the additional amount may be charged without an explicit in-app confirmation.

6.5 Capture The pre-authorised amount (and any approved additional amounts) will be captured from the MAC's payment card upon conclusion of the service. The full amount captured is initially collected by the Platform. The Physician's share of the amount, net of the Platform's commission, is remitted to the Physician periodically, in accordance with the Platform's standard payment schedule for Physicians.

6.6 Cancellation and Refunds

a) Cancellation before acceptance of a Treatment Proposal: The MAC may cancel a request, or decline any Treatment Proposal submitted to it, at any time before it accepts a Treatment Proposal, at no charge.

b) Cancellation after acceptance of a Treatment Proposal but before Physician's arrival: The MAC may cancel a confirmed Booking at any time before the Physician arrives at the service location. The cancellation is free of charge if made before the Physician sets off to the service location or within five (5) minutes thereafter. If the Booking is cancelled more than five (5) minutes after the Physician has set off to the service location, a cancellation fee of EUR 20 may apply to cover the Physician's travel preparation and lost availability. The Platform may amend the amount of the cancellation fee on not less than fifteen (15) days' prior written notice given through the App or by email; the revised fee shall apply only to Bookings accepted after the revised amount takes effect. The MAC will be notified through the App when the Physician sets off to the service location; in the event of any dispute as to the timing of departure or cancellation, the times recorded in the Platform's systems shall be decisive. Any pre-authorised hold on the MAC's card will be released (less any applicable cancellation fee) within the timeframe determined by the card issuer.

c) On-arrival decline and No-Show: Where the Beneficiary declines to receive the service after the Physician has arrived at the confirmed service location, or fails to attend or to provide the Physician with access at the confirmed service location (a No-Show), a cancellation fee of EUR 100 will be charged to the MAC's pre-authorised card to compensate the Physician for their time and travel, of which the Physician receives the net amount after deduction of the Platform's commission, in accordance with Article 6.1, and the remainder of the pre-authorised Service Fee will be released. The cancellation fee will not exceed the full Service Fee. The Platform may amend the amount of the No-Show cancellation fee on not less than fifteen (15) days' prior written notice given through the App or by email; the revised fee shall apply only to Bookings accepted after the revised amount takes effect.

d) Refund requests following service If the MAC wishes to request a refund following the completion of a service, it must submit its request to the Platform at support@dociohealth.com within seven (7) days of the service date. The Platform's sole obligation in respect of such requests is to act as a communication channel and to forward the request to the relevant Physician. The Platform assumes no responsibility for evaluating, approving, or processing any refund. As the medical service contract is strictly between the Beneficiary and the Physician, any entitlement to a refund is a matter to be resolved directly with the Physician. The Platform is under no obligation to procure, fund, or guarantee any refund on behalf of the Physician. Notwithstanding the foregoing, billing errors attributable to the Platform (such as duplicate charges or amounts captured in excess of the amount the MAC confirmed) will be refunded by the Platform.

e) Cancellation or non-attendance by the Physician If the Physician cancels a confirmed Booking or fails to attend at the confirmed service location, the MAC will be offered, where possible, the opportunity to accept a Treatment Proposal from another available Physician. If the MAC does not wish to proceed with another Physician, the pre-authorised hold on the MAC's card will be released in full and no fee will be charged.

6.7 Pre-authorisation holds that are not captured (for example, following a pre-arrival cancellation) will be released in accordance with the card issuer's policies. The Platform is not responsible for any delay in release caused by the card issuer.

6.8 Platform as payment collection agent The Platform collects the Service Fee from the MAC as a limited payment collection agent acting on behalf of the Physician. The Platform is not the seller of the Medical Services. The medical service contract is formed directly between the Beneficiary and the Physician. The Platform's receipt of the Service Fee does not make the Platform a party to the medical service relationship or alter its status as an intermediary.

6.9 Completion of service For the purposes of payment capture under Article 6.5, the service shall be deemed concluded upon the Physician recording completion in the App. The MAC will be notified in the App when the Physician records completion. If the MAC disputes that the service was completed as recorded, it may notify the Platform within 24 hours of that notification; in that case the disputed amount will be handled in accordance with Article 6.6(d) and may be withheld from the Physician pending resolution.

6.10 Alternative settlement terms The Platform may agree alternative invoicing, billing, or settlement terms with a MAC in a separate written agreement signed by both Parties. To the extent of any conflict between such a separate written agreement and this Article 6, the separate written agreement shall prevail.

7.1 The App enables the MAC to share appointment information, medical reports, and the live location of the Physician during a Booking by generating Share Links, including for the purpose of keeping the Beneficiary informed of the progress of their appointment.

7.2 Consent mechanism Share Links through which medical reports or live service location are shared function only where the Beneficiary's consent has been recorded through the Platform's consent mechanism. The MAC must not circumvent, disable, or misrepresent that consent mechanism, and must not attempt to access or share Clinical Data or location data in respect of which the required consent has not been recorded or has been withdrawn.

7.3 Confidentiality of Share Links The MAC shall keep Share Links confidential, shall not disclose them to any third party not authorised to receive the information they provide access to, and shall use the information accessed through a Share Link only for the purpose of administering the Beneficiary's insurance cover or assistance case. The MAC is responsible for the use of Share Links by its personnel in accordance with Article 4.2.

7.4 The Platform may expire, revoke, or disable any Share Link at any time, including where the Beneficiary withdraws consent or where the Platform reasonably suspects misuse. Withdrawal of the Beneficiary's consent shall cause the affected Share Links to cease to function; the Platform shall have no liability to the MAC for any resulting loss of access.

8.1 Roles of the Parties The MAC is an independent data controller of the personal data relating to Beneficiaries that it collects and holds in its own systems, including in connection with the underlying insurance or assistance relationship. The Platform is the data controller of Account Data (meaning the identity, contact, registration, and payment information of the MAC and its authorised users, and Platform usage data) and of Clinical Data recorded through the App. Nothing in these Terms creates a joint controllership or a controller-processor relationship between the Parties unless expressly agreed in a separate written agreement.

8.2 Compliance Each Party shall comply with all applicable Data Protection Legislation in respect of the personal data it processes in connection with these Terms.

8.3 Data shared with the MAC In connection with a Booking, the Platform will make available to the MAC the appointment status, the service category, and, where the Beneficiary's consent has been recorded through the Platform's consent mechanism, the medical report and the live service location via Share Links as described in Article 7. The MAC shall process such data only for the purpose of administering the relevant Beneficiary's insurance cover or assistance case, and shall not disclose it to any third party beyond that purpose, except where such disclosure is strictly required by applicable law or a mandatory regulatory obligation.

8.4 Data shared by the MAC In submitting an appointment request, the MAC will share with the Platform the Beneficiary's identity, symptoms or reason for the request, and service location. The MAC warrants that it has a lawful basis, and has obtained the consents described in Article 5.2, for that sharing.

8.5 Breach notification Each Party shall notify the other within 24 hours of becoming aware of any data breach involving Beneficiary data shared under these Terms.

8.6 Data subject rights Both Parties acknowledge that Beneficiaries are data subjects and that cooperation between the Parties may be necessary to respond to regulatory inquiries or data subject rights requests. Each Party shall provide reasonable assistance to the other for this purpose, within applicable statutory timeframes.

8.7 Indemnity Each Party shall indemnify the other against all fines, penalties, claims, liabilities, costs, and expenses arising from that Party's breach of its obligations under this Article 8.

8.8 International transfers Neither Party shall transfer personal data shared under these Terms outside the United Kingdom without ensuring appropriate safeguards are in place under applicable data protection law.

8.9 Full details of the Platform's data processing activities are set out in our Privacy Policy, which is incorporated into these Terms by reference.

9.1 All intellectual property rights in the App, the Platform's technology, branding, algorithms, software, databases, and any content or materials created by the Platform are and shall remain the exclusive property of the Platform. Nothing in these Terms grants the MAC any right, title, or interest in any of the Platform's intellectual property.

9.2 The Platform grants the MAC a limited, non-exclusive, non-transferable, revocable licence to use the App solely for the purpose of arranging and administering Bookings on behalf of Beneficiaries in accordance with these Terms. This licence terminates automatically upon expiry or termination of these Terms.

9.3 The MAC shall not:

a) copy, modify, adapt, translate, disassemble, decompile, or reverse-engineer any part of the App;

b) use the Platform's trademarks, trade names, or branding without the Platform's prior written consent; or

c) create derivative works based on the App or any Platform content.

9.4 Any feedback, suggestions, or ideas provided by the MAC to the Platform in connection with the App or the Platform's services may be used by the Platform without restriction and without any obligation to compensate the MAC.

10.1 Each Party agrees to keep confidential and not to disclose to any third party any Confidential Information of the other Party, without the other Party's prior written consent. "Confidential Information" means all non-public information of a commercial, technical, financial, or operational nature relating to the other Party's business, patients, Beneficiaries, systems, pricing, or strategies, whether disclosed before or after the Effective Date and whether or not marked as confidential.

10.2 The obligations in Article 10.1 do not apply to information that:

a) is or becomes publicly available through no fault of the receiving Party;

b) was already known to the receiving Party prior to disclosure;

c) is independently developed by the receiving Party without reference to the Confidential Information; or

d) is required to be disclosed by law, a court of competent jurisdiction, or a regulatory authority, provided that the disclosing Party gives the other Party as much prior written notice as is reasonably practicable.

10.3 The confidentiality obligations under this Article shall survive termination of these Terms for a period of five (5) years.

10.4 The MAC shall not disclose the terms of these Terms to any third party (other than the MAC's professional advisers on a confidential basis) without the Platform's prior written consent.

11.1 The MAC must not use the App for any purpose that is unlawful, harmful, or prohibited by these Terms. In particular, the MAC must not:

a) provide false, inaccurate, or misleading information during registration or when submitting an appointment request;

b) submit an appointment request or make a Booking on behalf of any person without that person's knowledge, authority, and consent as required by Article 5.2;

c) harass, abuse, threaten, intimidate, or harm any Physician or other user of the Platform;

d) resell, broker, white-label, or otherwise commercialise access to the Platform's services outside the App without the Platform's prior written consent;

e) attempt to circumvent the Platform by contacting Physicians directly outside the App following an introduction made through the Platform, for a period of 12 months following such introduction;

f) post or transmit any content that is defamatory, obscene, offensive, discriminatory, or otherwise objectionable, or use the App in a manner that could damage, disable, overburden, or impair the Platform or its infrastructure;

g) attempt to gain unauthorised access to any account, system, or data;

h) violate any applicable law or regulation, including those relating to healthcare, insurance, data protection, sanctions, or anti-money laundering.

11.2 Any breach of Article 11.1 may result in immediate suspension or termination of the MAC's account under Article 13, and the Platform reserves the right to report such conduct to relevant law enforcement or regulatory authorities. Suspension or termination of the MAC's account is without prejudice to any other right or remedy available to the Platform under these Terms or at law; nothing in these Terms constitutes a waiver of any of the Platform's legal rights.

12.1 Disclaimer of medical liability Subject always to Article 12.4, and to the fullest extent permitted by applicable law, the Platform disclaims all liability in connection with:

a) any act, omission, error, negligence, or misconduct of any Physician;

b) the accuracy, completeness, or appropriateness of any diagnosis, treatment, prescription, or recommendation made by a Physician;

c) any medication, device, or medical material administered, supplied, or recommended by a Physician;

d) any adverse reaction, complication, injury, illness, or death arising from a Physician's services;

e) any failure by a Physician to hold valid professional registration, insurance, or licences;

f) any delay, cancellation, or non-attendance by a Physician;

g) any loss, damage, or harm resulting from the MAC's or a Beneficiary's reliance on information provided through the App, save to the extent such loss results from the Platform's wilful misconduct or fraud.

12.2 Limitation of liability - indirect and consequential losses To the fullest extent permitted by law, the Platform will not be liable for any loss of profits, revenue, business, or contracts; loss of anticipated savings; loss or corruption of data; loss of goodwill or reputation; or any indirect, special, or consequential loss or damage; whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, even if the Platform has been advised of the possibility of such losses.

12.3 Cap on liability Subject to Article 12.4, the Platform's total aggregate liability to the MAC under or in connection with these Terms, including any liability under Article 8.7, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the total Service Fees paid by the MAC to the Platform in the 12 months preceding the event giving rise to the claim.

12.4 Exclusions from limitation Nothing in these Terms limits or excludes either Party's liability for death or personal injury caused by its own negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the law of England and Wales.

12.5 No warranty The Platform provides the App and the matching service on an "as is" and "as available" basis. The Platform makes no warranty that the App will be uninterrupted, error-free, or free from viruses or other harmful components, or that any Physician will be available for any given request.

12.6 MAC's Indemnity The MAC shall indemnify, defend, and hold harmless the Platform and its directors, officers, employees, and agents (each, an "Indemnified Party") from and against all claims, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

a) any breach by the MAC of its warranties under these Terms, including the warranties as to Beneficiary authority and consent in Article 5.2;

b) any breach by the MAC of its data protection obligations under Article 8, without prejudice to the mutual indemnity in Article 8.7;

c) any claim by a Beneficiary or other third party arising from the MAC's acts or omissions, including the submission of inaccurate Beneficiary information or a Booking made without the Beneficiary's authority; or

d) any breach by the MAC of these Terms or of applicable law.

13.1 These Terms shall commence on the Effective Date and shall continue for an indefinite period unless terminated in accordance with this Article.

13.2 Termination by Either Party (Convenience) Either Party may terminate these Terms for any reason upon giving not less than thirty (30) days' written notice to the other Party. The MAC may give such notice, or close its account, by contacting the Platform at support@dociohealth.com or through the account settings in the App.

13.3 Immediate Termination by the Platform The Platform may terminate these Terms immediately by written notice to the MAC, without any liability to the MAC, if:

a) the MAC commits a material breach of these Terms that is incapable of remedy, or that is capable of remedy and the MAC fails to remedy it within 7 days of receiving written notice requiring it to do so;

b) the Platform reasonably suspects fraudulent, abusive, or unlawful activity on the MAC's account, including any breach of Article 11;

c) the MAC becomes insolvent, enters administration or liquidation, or enters into any composition or arrangement with creditors;

d) the Platform is required to do so by law or a regulatory authority; or

e) continued operation of the MAC's account would, in the Platform's reasonable opinion, expose the Platform, Beneficiaries, Physicians, or third parties to legal, regulatory, or reputational risk.

Any termination notice given by the Platform under this Article 13.3 shall include a statement of the grounds relied on, unless and to the extent that providing such a statement is prohibited by law or by a regulatory authority, or would compromise an ongoing investigation.

13.4 Consequences of Termination Upon termination of these Terms for any reason:

a) the MAC's access to the App and its account will be deactivated and its licence to use the App ceases immediately;

b) any Bookings already confirmed at the date of termination shall be completed unless the Platform directs otherwise, and any pending appointment requests will be cancelled;

c) accrued payment obligations arising before termination remain due; and

d) the obligations under Articles 3, 8 (Data Protection and Privacy), 10 (Confidentiality), 11.1(e) (Non-Circumvention), 12 (Liability and Indemnification), 14 (Governing Law and Jurisdiction), and 15 (General Provisions) shall survive termination.

13.5 Account Suspension Without prejudice to the right to terminate, the Platform may at any time suspend the MAC's account for the reasons set out in Article 4.5 or Article 11.2. Suspension does not constitute termination. During any period of suspension, the MAC shall not be able to make new Bookings, and the Platform shall not be liable to the MAC for any loss arising from a suspension carried out in accordance with these Terms.

14.1 These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

14.2 Each Party irrevocably submits to the exclusive jurisdiction of the courts of England and Wales in respect of any dispute or claim arising out of or in connection with these Terms or their subject matter or formation.

15.1 Entire agreement These Terms, together with our Privacy Policy, any separate written agreement referred to in Article 6.10, and any other documents expressly incorporated by reference, constitute the entire agreement between the Parties relating to their subject matter and supersede all prior agreements, representations, and understandings between the Parties relating to that subject matter. Each Party acknowledges that it has not relied on any representation or warranty other than those expressly set out in these Terms.

15.2 Severability If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, and the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.

15.3 No waiver A failure or delay by a Party to exercise any right or remedy under these Terms shall not constitute a waiver of that right or remedy. No waiver shall be effective unless made in writing.

15.4 Assignment The MAC may not assign, transfer, or sub-contract any of its rights or obligations under these Terms without the Platform's prior written consent. The Platform may assign these Terms to any affiliate or successor entity without the MAC's consent, provided that the MAC is notified in writing.

15.5 Force majeure Neither Party shall be liable for any failure or delay in performing its obligations under these Terms to the extent caused by circumstances beyond its reasonable control, including but not limited to acts of God, pandemic, war, government action, or failure of telecommunications infrastructure. The affected Party shall notify the other Party as soon as reasonably practicable and shall use reasonable endeavours to mitigate the effects of the force majeure event. This clause does not apply to payment obligations accrued before the force majeure event.

15.6 Third-party rights A person who is not a Party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of their terms, except that an Indemnified Party (as defined in Article 12.6) who is not a Party may enforce the indemnity in Article 12.6, and a successor or assignee of the Platform may enforce these Terms.

15.7 Notices All formal notices from the MAC to the Platform under these Terms must be sent by email to support@dociohealth.com. Notices from the Platform to the MAC will be sent through the App or to the email address registered on the MAC's account. Notices sent by email or through the App shall be deemed received at the time of transmission, provided no delivery failure notification is received.

15.8 Language These Terms are drafted in English. In the event of any conflict between an English version and any translated version, the English version shall prevail.

15.9 Relationship of the Parties The Parties are independent contractors and nothing in these Terms creates or is intended to create a relationship of employer and employee, partnership, joint venture, or agency between the Platform and the MAC. Neither Party has authority to bind the other in any manner.

Registered in England and Wales

Company No. 17270960

Registered Office: C/O Unit 4, Kinetica, 13 Ramsgate Street, London, United Kingdom, E8 2FD

Contact: info@dociohealth.com