Terms and Conditions

Kora Health LLC
Effective Date: March 30, 2026
Last Updated: March 30, 2026

IMPORTANT: THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER IN SECTION XVI THAT AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL. PLEASE READ SECTION XVI CAREFULLY. YOU HAVE THE RIGHT TO OPT OUT OF ARBITRATION WITHIN THIRTY (30) DAYS OF FIRST ACCEPTING THESE TERMS. SEE SECTION XVI.H FOR DETAILS.

I. INTRODUCTION AND ACCEPTANCE OF TERMS

A. Agreement to Terms

These Terms and Conditions (“Agreement” or “Terms”) constitute a legally binding agreement between you (“you,” “your,” “User,” or “Member”) and Kora Health LLC, a Wyoming limited liability company (“Kora MD,” “Company,” “we,” “us,” or “our”). By accessing or using the website located at koramd.com (the “Website”), creating an account, completing a health assessment questionnaire, purchasing a membership or service plan, or otherwise engaging with any services offered through the Website, you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety, including all policies incorporated herein by reference. Your rights as a patient are also described in the Patient Bill of Rights, available on the Website. If you do not agree to these Terms, you must not access or use the Website or any associated services and must discontinue use immediately.

B. Modification of Terms

Kora MD reserves the right to modify, amend, or update these Terms at any time in its sole discretion. When material changes are made, we will update the “Last Updated” date at the top of this Agreement and, where required by applicable law, provide you with reasonable advance notice of such changes via email to the address associated with your account or through a prominent notice on the Website. Your continued use of the Website or services following the posting of revised Terms constitutes your acceptance of and agreement to the modified Terms. If you do not agree to the modified Terms, your sole remedy is to discontinue use of the Website and cancel your membership in accordance with Section VIII of this Agreement.

C. Clickwrap Consent and Electronic Signatures

Your affirmative click on the “I Agree,” “Submit,” “Enroll,” or similar button constitutes your electronic signature and your consent to enter into this Agreement. Pursuant to the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”), 15 U.S.C. Sections 7001 through 7006, and applicable state laws governing electronic transactions, you agree that your electronic acceptance has the same legal force and effect as a handwritten signature. You consent to the use of electronic records and electronic signatures for all transactions contemplated by these Terms. You further consent to receive all communications from us electronically, including these Terms and any modifications thereto, the Privacy Policy, account-related communications, transactional communications, legal notices, and disclosures required by law. Electronic communications may be delivered via email, through the Website, through your account dashboard, or by posting on the Website. You may withdraw your consent to receive electronic communications by contacting us at care@koramd.com; however, withdrawal of consent may result in the inability to use certain features of the Website or Services, and you remain bound by all Terms accepted before withdrawal.

D. Legal Capacity

You represent and warrant that you have the legal capacity to enter into a binding contract and that you are not barred from entering into this Agreement under any applicable law. If you are entering into this Agreement on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

E. Supplemental Policies

This Agreement incorporates by reference the following supplemental policies, each of which is available on the Website and forms an integral part of this Agreement: (i) the Privacy Policy; (ii) the Telehealth Informed Consent; and (iii) any additional terms, guidelines, or rules posted on the Website or provided to you in connection with specific services. In the event of any conflict between these Terms and any supplemental policy, these Terms shall control unless the supplemental policy expressly states that it supersedes these Terms with respect to a specific subject matter.

II. Description of Services and Role of Parties

A. Kora MD Platform Services

Kora MD operates a technology platform and administrative services website (the “Platform”) that facilitates access to telehealth weight management consultations and related services. Kora MD’s role is limited to providing technology infrastructure, administrative support, membership management, payment processing, and consumer education content. Kora MD does not practice medicine, does not provide medical advice, does not diagnose or treat any medical condition, does not prescribe medication, and does not dispense pharmaceutical products.

Kora MD provides the following non-clinical services:

• Technology Platform. Development, maintenance, and hosting of the website and software infrastructure through which patients access telehealth services provided by the Practice.
• Administrative Support. Scheduling, appointment coordination, customer service for non-clinical inquiries, and general administrative functions.
• Billing and Payment Processing. Collection and processing of membership fees, subscription management, and financial administration.
• Pharmacy Coordination. Administrative coordination with licensed compounding pharmacies for prescription fulfillment, shipping logistics, and order tracking. Kora MD does not select, recommend, or influence which medication is prescribed or whether a prescription is issued.
• Marketing and Member Acquisition. Advertising, marketing, and member acquisition activities, subject to compliance with applicable laws and regulations.
• Compliance Infrastructure. Technology systems supporting HIPAA compliance, secure communications, and regulatory reporting, provided in a non-clinical capacity.

The Platform serves as a consumer-facing gateway through which eligible individuals may be connected with independently licensed healthcare providers for clinical evaluation and, where medically appropriate, treatment.

B. Medical Services and the Practice

All medical services, including but not limited to clinical evaluations, medical consultations, diagnoses, treatment decisions, and prescribing of medication, are provided exclusively by OpenLoop Healthcare Partners, PC and its affiliated professional entities, including but not limited to OpenLoop Healthcare Partners California, PC, OpenLoop Healthcare Partners Colorado, PC, OpenLoop Healthcare Partners New Jersey Professional Corporation, OpenLoop Healthcare Partners, Wisconsin, S.C., OpenLoop Healthcare Partners Puerto Rico, P.C., and Reliant MD Medical Associates PLLC (collectively, the “Practice”). For purposes of complying with the Health Insurance Portability and Accountability Act (“HIPAA”), the Practice and its affiliated entities have designated themselves as an Affiliated Covered Entity (“ACE”). ACE participants may share your protected health information with each other as needed to carry out treatment, payment, and health care operations. The Practice’s Notice of Privacy Practices, which describes how your medical information may be used and disclosed, is available at the Practice’s website and through the patient portal. The Practice is a separate and independent entity from Kora MD. Healthcare providers affiliated with the Practice are independently licensed in the state where you are located at the time of your consultation. All clinical decisions, including whether to prescribe any medication, are made solely by the treating healthcare provider in the exercise of independent medical judgment. Kora MD does not direct, control, or influence any clinical decision made by the Practice or its affiliated providers.

C. Pharmacy Fulfillment

If a healthcare provider affiliated with the Practice determines that medication is medically appropriate for you and issues a prescription, that prescription may be fulfilled by one of the following independently licensed pharmacy partners: RedRock Pharmacy, Health Warehouse, Precision Compounding Pharmacy, or Triad Rx (each, a “Pharmacy Partner” and collectively, the “Pharmacy Partners”). The Pharmacy Partners and their contact information are as follows:

RedRock Pharmacy
Website: https://www.redrockhomepharmacy.com/
Address: 1240 E 100 S #220, St. George, UT 84790
Phone: 801-433-9500

Health Warehouse
Website: https://www.healthwarehouse.com
Address: 7107 Industrial Rd., Florence, KY 41042
Phone: 800-748-7001

Precision Compounding Pharmacy
Website: https://mypcphealth.com/
Address: 2657 Merrick Road, Bellmore, NY 11710
Phone: 516-833-6262

Triad Rx
Website: https://www.triadrx.us
Address: 26258 Pollard Road, Daphne, AL 36526
Phone: 251-380-7630

Each Pharmacy Partner is an independently licensed and regulated pharmacy and is a separate legal entity from both Kora MD and the Practice. The selection of which Pharmacy Partner fulfills a given prescription may depend on factors including medication availability, your geographic location, and other logistical considerations. All dispensing, compounding (where applicable), shipping, and pharmaceutical counseling services are provided by the Pharmacy Partner, not by Kora MD. Kora MD does not manufacture, compound, dispense, or distribute any pharmaceutical product.

D. Nature of Compounded Medications

Certain medications available through the Platform, including compounded semaglutide, compounded tirzepatide, compounded NAD+, and compounded B12 formulations, are compounded by licensed pharmacies in accordance with applicable federal and state law, including Section 503A or Section 503B of the Federal Food, Drug, and Cosmetic Act (21 U.S.C. Section 353a or 21 U.S.C. Section 353b), as applicable. Compounded medications are not FDA-approved products. They are prepared by a licensed pharmacy based on an individual patient prescription. The FDA does not verify the safety or efficacy of compounded medications. You acknowledge and understand that compounded medications differ from commercially manufactured, FDA-approved medications and that the decision to prescribe a compounded medication is a clinical decision made by your treating healthcare provider. You further acknowledge that: (i) compounded medications have not undergone the FDA’s premarket review and approval process for safety, efficacy, and quality; (ii) compounding pharmacies are licensed pharmacies subject to state and federal regulations, but the regulatory framework for compounded medications differs from that for FDA-approved drugs; (iii) there may be variability in potency, purity, quality, or sterility between batches of compounded medications; (iv) safety information about compounded medications prescribed through the Platform is available on the Safety Information page of the Website; and (v) you have the right to request that your provider prescribe an FDA-approved medication instead of a compounded medication; and (vi) you will be asked to review and acknowledge a separate Patient Compounding Consent Addendum before receiving any compounded medication, which describes in detail the specific risks, limitations, and regulatory status of compounded preparations, and your provider will discuss the benefits, risks, and availability of FDA-approved alternatives with you. The FDA does not verify the safety or efficacy of compounded medications. You voluntarily accept the risks associated with compounded medications as a condition of receiving such medications through the Platform.

E. No Guarantee of Prescription or Specific Outcome

You expressly acknowledge and agree that purchasing a membership or completing a health assessment on the Platform does not guarantee that you will receive a prescription for any medication. The issuance of any prescription is contingent upon a clinical evaluation by an independently licensed healthcare provider and a determination, in that provider’s sole clinical judgment, that a particular medication is medically appropriate for you based on your individual health history, current medical condition, and other clinical factors. If a provider determines that you are not a suitable candidate for a particular medication, no prescription will be issued. In such cases, the provider may recommend alternative approaches, and Kora MD will process any applicable refund in accordance with Section VIII of this Agreement. You further acknowledge that no specific weight loss result, health outcome, or therapeutic effect is guaranteed. Individual results vary based on numerous factors including but not limited to adherence to prescribed treatment, diet, exercise, genetics, and overall health status.

F. HIPAA Business Associate Status

In connection with the services facilitated through the Platform, Kora MD may receive, maintain, transmit, or create protected health information (“PHI”) on behalf of the Practice and its affiliated covered entities. To the extent Kora MD functions as a Business Associate as defined under HIPAA (45 C.F.R. Section 160.103), Kora MD is subject to the applicable provisions of the HIPAA Security Rule (45 C.F.R. Sections 164.306 through 164.316) and the HIPAA Privacy Rule as applied to Business Associates. Kora MD has entered into Business Associate Agreements with the applicable covered entities in accordance with 45 C.F.R. Sections 164.502(e) and 164.504(e). Kora MD implements administrative, physical, and technical safeguards to protect the confidentiality, integrity, and availability of PHI in accordance with applicable law. The Practice’s Notice of Privacy Practices, which describes how medical information may be used and disclosed, is available at the Practice’s website (https://openloophealth.com/notice-of-privacy-practices) and through the patient portal.

G. Emergency Services Disclaimer

IF YOU BELIEVE YOU ARE HAVING A MEDICAL EMERGENCY, IMMEDIATELY CALL YOUR LOCAL EMERGENCY SERVICES OR DIAL 9-1-1. DO NOT ATTEMPT TO CONTACT KORA MD, THE PRACTICE, OR ANY PROVIDER THROUGH THE PLATFORM FOR EMERGENCY CARE. THE PLATFORM AND THE SERVICES OFFERED THROUGH IT ARE DESIGNED FOR SPECIFIC, NON-EMERGENCY MEDICAL CONDITIONS AND CONCERNS AND ARE NOT A SUBSTITUTE FOR EMERGENCY MEDICAL SERVICES. TELEHEALTH SERVICES PROVIDED THROUGH THE PLATFORM DO NOT INCLUDE EMERGENCY OR URGENT CARE SERVICES. IF YOU ARE EXPERIENCING A MEDICAL EMERGENCY, INCLUDING BUT NOT LIMITED TO CHEST PAIN, DIFFICULTY BREATHING, SEVERE ALLERGIC REACTIONS, SIGNS OF STROKE, UNCONTROLLED BLEEDING, LOSS OF CONSCIOUSNESS, OR SUICIDAL IDEATION, PROCEED IMMEDIATELY TO THE NEAREST EMERGENCY DEPARTMENT OR CALL 9-1-1.

H. Not Comprehensive Medical Advice

The Website and the Platform are structured for use in connection with specific telehealth weight management and wellness services and are not, and should not be considered or used as, comprehensive medical advice, care, diagnosis, or treatment. The content provided on the Website, including educational materials, blog posts, health information, and product descriptions, is for informational purposes only and does not constitute medical advice. You should always consult with a qualified healthcare professional before making any decisions about your health. The information on the Website does not replace the advice, diagnosis, or treatment recommendations of your personal physician or other qualified healthcare provider.

I. Platform-Practice Relationship

The relationship between Kora MD and the Practice is governed by written management services agreements. Under these agreements, Kora MD provides the non-clinical services described in Section II.A, and the Practice retains exclusive authority over all clinical matters. Kora MD is not a Management Services Organization (“MSO”) that controls or directs clinical operations. Kora MD has no right to direct, control, interfere with, or influence the clinical judgment of any healthcare provider. All clinical decisions made through the Platform are made by licensed healthcare providers employed by or affiliated with the Practice, free from any direction, control, or influence by Kora MD. Kora MD does not receive any portion of fees attributable to medical services or share in revenue generated from prescribing decisions, patient outcomes, or clinical activity. The Kora MD membership fee is a bundled fee for platform access, administrative services, and coordination of care, as described in Section VI.

Kora MD does not employ the physicians, nurse practitioners, physician assistants, or other licensed healthcare providers who provide clinical services through the Website. No healthcare provider accessible through the Website is an employee, agent, partner, or joint venturer of Kora MD. The Practice and each of its affiliated professional entities are independent legal entities. The Practice is not a subsidiary, affiliate, division, or agent of Kora MD.

III. ELIGIBILITY

A. Age Requirement

You must be at least eighteen (18) years of age to access or use the Website and services. By using the Platform, you represent and warrant that you are at least eighteen (18) years of age. Kora MD does not knowingly provide services to individuals under eighteen (18) years of age and does not knowingly collect personal information from minors.

B. Geographic Eligibility

The services offered through the Platform, including GLP-1 Treatments (semaglutide and tirzepatide, injectable and oral formulations), GLP-1 Microdosing, NAD+ Injection, Semorelin, Oral GLP/GIP, Hormone Therapy, and Glutathione, are currently available only to individuals physically located in one of the following jurisdictions at the time of their consultation: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and the District of Columbia. You represent and warrant that you are physically located in one of these jurisdictions at the time you access or use any medical services through the Platform.

Availability of services in specific jurisdictions may change without notice based on regulatory requirements. Currently offering services in all 50 states plus Washington D.C. Some services may not be available in all 50 states or Washington D.C. Subject to change.

C. Accurate Information

You represent and warrant that all information you provide through the Platform, including information submitted during account registration, health assessment questionnaires, and medical consultations, is truthful, accurate, complete, and current. You understand that healthcare providers rely on the information you provide to make clinical decisions and that providing false, misleading, or incomplete information may result in inappropriate medical care that could endanger your health and safety. Providing false information may also result in immediate termination of your account and membership without refund.

IV. ACCOUNT REGISTRATION AND SECURITY

A. Account Creation

To access certain features of the Platform and to be connected with healthcare providers, you must create an account by providing accurate and complete registration information as prompted. You agree to update your account information promptly to keep it accurate, complete, and current.

B. Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You are fully responsible for all activities that occur under your account. You agree to immediately notify Kora MD at care@koramd.com if you become aware of or suspect any unauthorized use of your account or any other breach of security. Kora MD will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.

C. One Account Per Person

Each account is personal to the individual who created it. You may not share, transfer, or assign your account or any associated membership to another person. Services obtained through the Platform, including medical consultations and prescriptions, are intended solely for the individual account holder and may not be obtained on behalf of any other individual.

D. Account Non-Transferability and Termination Upon Death

Your account is personal to you and is non-transferable. You may not assign, delegate, or transfer your account, membership, or any rights or obligations under this Agreement to any other person. All of your rights to your account, including any content or data associated with it, terminate upon your death. Upon notification of your death, Kora MD will close your account and handle your personal information in accordance with the Privacy Policy and applicable law.

V. HEALTH ASSESSMENT QUESTIONNAIRE

A. Purpose

The Platform includes a health assessment questionnaire (the “Health Assessment” or “Quiz”) designed to collect preliminary health information. The Health Assessment is an informational intake tool operated by Kora MD for the purpose of gathering initial information to be reviewed by the Practice. The Health Assessment is not a medical examination, is not a substitute for a clinical consultation with a licensed healthcare provider, and does not constitute the practice of medicine. No clinical decisions are made on the basis of the Health Assessment alone.

B. Limitations

Completion of the Health Assessment does not establish a physician-patient relationship. A physician-patient relationship is established only between you and the treating healthcare provider affiliated with the Practice, and only at the time the provider conducts a clinical evaluation. Kora MD is not a party to the physician-patient relationship.

C. Asynchronous Evaluation

You understand and agree that your clinical evaluation may be conducted asynchronously. In an asynchronous evaluation, you submit health information, medical history, and responses to clinical questionnaires through the Platform, and a licensed healthcare provider affiliated with the Practice reviews this information and renders clinical decisions at a later time, without a simultaneous real-time interaction between you and the provider. You understand that asynchronous evaluation is a recognized and legally permissible form of telehealth in most jurisdictions where the Platform operates. You further understand that a provider may, in the provider’s sole clinical judgment, determine that an asynchronous evaluation is insufficient for your care and may require a synchronous (live, real-time audio-video or telephone) consultation before proceeding with any treatment decision. Certain state laws may require synchronous communication before prescribing certain categories of medications, and the Practice will comply with all such requirements applicable to the state where you are physically located at the time of your consultation.

VI. SUBSCRIPTION PLANS AND PAYMENT

A. Membership Structure

Kora MD offers bundled membership plans (“Membership Plans”) that include access to the Platform’s technology and administrative services, connection with a licensed healthcare provider affiliated with the Practice for a telehealth consultation, and, if the provider determines it is medically appropriate and issues a prescription, fulfillment of that prescription through an affiliated Pharmacy Partner. The specific services, pricing, and terms of each Membership Plan are described on the Website at the time of purchase.

B. Bundled Pricing

The price of a Membership Plan is a bundled fee that covers the Platform’s technology and administrative services, the telehealth consultation, and medication fulfillment if a prescription is issued. You understand and agree that the bundled fee is charged at the time of purchase and that certain components of the bundled service, including the issuance of a prescription, are not guaranteed (as described in Section II.E above).

C. Payment Authorization

By purchasing a Membership Plan, you authorize Kora MD to charge the payment method you provide for the applicable Membership Plan fee and any applicable taxes. You represent and warrant that you are authorized to use the payment method provided and that the payment information you submit is accurate and complete. If your payment method is declined or fails for any reason, Kora MD reserves the right to suspend your access to the Platform and associated services until payment is successfully processed.

D. Pricing Changes

Kora MD reserves the right to change the pricing of Membership Plans at any time. Any price change will take effect at the beginning of your next billing cycle following the date of the price change. We will provide you with reasonable advance notice of any price increase, not less than thirty (30) days prior to the effective date of the change, via email to the address associated with your account. Your continued use of the services after the effective date of a price change constitutes your acceptance of the new pricing. If you do not agree to the new pricing, you may cancel your Membership Plan in accordance with Section VIII prior to the effective date of the price change.

E. Pre-Purchase Disclosure (ROSCA Compliance)

In accordance with the Restore Online Shoppers’ Confidence Act (“ROSCA”), 15 U.S.C. Sections 8401-8405, and the FTC’s Rule Concerning Recurring Subscriptions (16 C.F.R. Part 425), before you complete your first subscription purchase, the Website will clearly and conspicuously disclose: (i) that you are enrolling in an automatic renewal subscription; (ii) the amount you will be charged and the frequency of charges; (iii) that the subscription will continue until you cancel; and (iv) the specific steps required to cancel. These disclosures will be presented to you before payment is processed, and your affirmative, unambiguous consent to these terms will be obtained through a separate consent mechanism (such as a checkbox that is unchecked by default) before your payment is processed. This affirmative consent is separate from and in addition to your agreement to these Terms and Conditions.

F. Membership Is Not a Purchase of Medication

Your membership is not a purchase of medication. It is a subscription to a comprehensive telehealth clinical program in which medication may, but is not guaranteed to, be a component. By enrolling, you are purchasing access to a clinical evaluation by a licensed healthcare provider, an individualized treatment plan, ongoing clinical monitoring and provider access through the Platform, customer support, and, if your provider determines that a prescription is clinically appropriate, the compounding and delivery of prescribed medication. You acknowledge that you may not receive medication and that the membership fee is charged for the clinical program as a whole, not for any individual medication.

G. Post-Purchase Acknowledgment

After you complete your initial enrollment, Kora MD will send you a confirmation email that includes: (i) a summary of the Membership Plan you purchased, including the price and billing frequency; (ii) confirmation of your automatic renewal enrollment and the date of your next scheduled charge; (iii) instructions for how to cancel your membership; (iv) a link to these Terms and Conditions; and (v) a link to the Privacy Policy. This confirmation email constitutes the post-purchase acknowledgment required by the FTC Click-to-Cancel Rule.

H. Pre-Authorization of Payment

By providing your payment information and enrolling in a Membership Plan, you authorize Kora MD to charge your payment method for the applicable membership fee and to store your payment information for purposes of processing recurring charges. You authorize Kora MD to attempt to process payment on the scheduled billing date and, if the initial attempt fails, to reattempt processing within the following seven (7) days. If payment cannot be processed after repeated attempts, your membership may be suspended or terminated.

I. Taxes

All membership fees and charges are exclusive of applicable taxes. You are responsible for all applicable sales, use, value-added, or other taxes imposed by any governmental authority on the transactions contemplated by this Agreement, excluding taxes based on Kora MD’s income.

VII. AUTOMATIC RENEWAL AND CANCELLATION RIGHTS

A. Automatic Renewal and Checkout Disclosures

SUBSCRIPTION TERMS: By enrolling in a Membership Plan, you are enrolling in a recurring subscription plan. Your payment method will be automatically charged at the applicable subscription rate for each billing period until you cancel. Before completing your purchase, you will be presented with the specific subscription terms including the plan name, the monthly charge amount, the billing frequency, and the date of the first charge. You must affirmatively consent to the automatic renewal terms through a separate consent mechanism (such as a checkbox that is unchecked by default) before your payment is processed. This affirmative consent is separate from and in addition to your agreement to these Terms and Conditions. Unless you cancel your Membership Plan before the end of your current billing cycle, your Membership Plan will automatically renew for successive periods of the same duration as your initial subscription term (e.g., monthly plans renew monthly, quarterly plans renew quarterly) at the then-current price. Each renewal will be charged to the payment method on file for your account. By purchasing a Membership Plan, you expressly consent to these automatic renewal charges.

B. Pre-Renewal Notification

In accordance with the Federal Trade Commission’s Rule Concerning Recurring Subscriptions and Other Negative Option Programs (16 C.F.R. Part 425, as amended, commonly referred to as the “Click-to-Cancel Rule”), and applicable state automatic renewal laws, Kora MD will send you a reminder notification via email not less than seven (7) days prior to each renewal date. This notification will include the renewal date, the amount to be charged, and instructions for how to cancel prior to renewal.

C. How to Cancel

You may cancel your Membership Plan at any time through any of the following methods, each of which is designed to be at least as simple as the method you used to subscribe:

Online: By accessing the cancellation function within your account settings on the Website.

Email: By sending a cancellation request to care@koramd.com with the subject line “Cancellation Request” and including your full name and the email address associated with your account. You may also cancel by emailing patientsupport@openloophealth.com with your name and email address associated with the service.

When you cancel, your Membership Plan will remain active through the end of your current paid billing cycle. You will not be charged for any subsequent billing cycle following a timely cancellation. Kora MD will send you a confirmation of cancellation via email within a commercially reasonable time following receipt of your cancellation request.

D. No Cancellation Fees

Kora MD does not charge cancellation fees, early termination fees, or penalties for canceling a Membership Plan.

VIII. SUBSCRIPTION SERVICES CANCELLATION AND REFUND POLICY

A. Subscription Services

Your membership in the subscription program (“Subscription Service”), including your ability to access the services, begins when you have completed the intake form, at which time you will be charged for the first month of the Subscription Services. The Subscription Services include access to providers, medications where appropriate, and online support.

If you are disqualified by our medical provider for any medical reason, you will receive a full refund. There is no guarantee of results or effectiveness due to your participation in the Subscription Services.

All medical evaluations are performed by independently licensed healthcare providers affiliated with OpenLoop Healthcare Partners, PC and its affiliated professional entities (the “Practice”). Kora MD is a technology platform and administrative services provider. Kora MD does not practice medicine, does not prescribe medications, and does not guarantee that you will receive any specific medication. The decision to prescribe medication is made solely by the treating healthcare provider in the exercise of independent medical judgment.

Your Subscription Services represents a single price for the subscription purchased. This may include consultations both live and via electronic form submissions and reviews with a Provider for medications that are fulfilled through a pharmacy or other healthcare services on which we collect payments, lab services, care support, patient support line, and other services to support your medical weight loss journey. Services, labs, and medications covered with the single Subscription Service price may vary.

B. Cancellation Policy

You may cancel your Subscription Service at any time for any reason. To cancel your Subscription Services, you may use any of the following methods, each of which is designed to be at least as simple as the method you used to subscribe:

Online: By accessing the cancellation function within your account settings on the Website, if applicable.

Email: By sending a cancellation request to care@koramd.com with the subject line “Cancellation Request” and including your full name and the email address associated with your account.

Telephone: By calling (855) 597-1248 during business hours and requesting cancellation.

OpenLoop Patient Support: By emailing patientsupport@openloophealth.com with your name and email address associated with the service, or by contacting your provider directly.

To ensure a smooth process, we require your cancellation request to be received at least seventy-two (72) hours prior to your billing date. If this notice date is not met, your subscription will be charged on the next billing date, and the cancellation will take effect on the subsequent billing date.

After cancellation, you will continue to receive the Subscription Services through the end of your billing cycle. Kora MD does not charge cancellation fees, early termination fees, or penalties for canceling a Subscription Service. Kora MD will send you a confirmation of cancellation via email within a commercially reasonable time following receipt of your cancellation request.

C. Refund Policy

If your Subscription Service is cancelled due to disqualification by our medical provider, you will be issued a refund for the remainder of your Subscription Service charges following the disqualification.

Other than cancellation due to medical disqualification, IN NO EVENT SHALL YOU BE ISSUED A REFUND UPON CANCELLATION OF THE SUBSCRIPTION SERVICES.

Federal law generally prohibits the return of prescription medications to pharmacies for refund or reuse once they have been ordered to a patient in order to protect public health and safety. This policy ensures that all medications provided are handled and dispensed with utmost care and compliance. If approved, refunds will only be issued for your most recent billing cycle and will not be issued for past billing cycles.

All approved refunds will be issued to the original payment method within ten (10) to fifteen (15) business days of approval. Kora MD is not responsible for delays caused by your financial institution in processing the refund.

D. Damaged or Incorrect Items

Please inspect your medication immediately upon receipt. If the medication appears to be damaged or incorrect, please contact customer service immediately at care@koramd.com.

Damaged items: Damaged items may be replaced by the pharmacy upon receipt of evidence of damage. You should photograph the outer packaging and the medication, and contact Kora MD customer support within forty-eight (48) hours of delivery.

Incorrect items: Incorrect medications will be replaced by the pharmacy. Do not use any medication that does not match the prescription issued by your provider. Contact Kora MD customer support and the dispensing Pharmacy Partner immediately.

E. Provider-Initiated Cancellation

If your Provider determines you are no longer eligible for the Subscription Services due to clinical reasons, your subscription will be canceled and a refund may be issued for the remainder of your current billing cycle. If you have questions or concerns about an eligibility-initiated cancellation, please contact our customer service at care@koramd.com. Kora MD will make commercially reasonable efforts to notify you of any provider-initiated cancellation promptly and to process any applicable refund within the timeframes described in Section VIII.C above.

F. Prescription Medication Non-Return Policy

You acknowledge and agree that, pursuant to applicable state pharmacy laws, prescription medications that have been dispensed and shipped to a patient generally cannot be returned to the pharmacy, restocked, or redispensed. This restriction exists to protect patient safety and the integrity of the pharmaceutical supply chain. Accordingly, the Pharmacy Partners cannot accept returns of medications that have been delivered to you, except in the limited circumstances described in Section VIII.D above. The non-returnability of prescription medications is not a Kora MD policy; it is a requirement of federal and state law.

G. Chargeback and Dispute Policy

If you initiate a chargeback or payment dispute with your credit card company or financial institution regarding charges for Subscription Services that you authorized, Kora MD reserves the right to suspend your account and access to the Platform pending resolution of the dispute. Kora MD will cooperate with any investigation by your financial institution and will provide documentation of your enrollment, consent to charges, and the services provided. Unauthorized chargebacks for services that were properly authorized and delivered may result in collection action and termination of your account.

IX. TELEHEALTH CONSENT

A. Separate Consent Required

Prior to receiving any medical services through the Practice, you will be required to review and accept the Telehealth Informed Consent form provided by the Practice, which is available at https://openloophealth.com/telehealth-consent. The Telehealth Informed Consent will describe the nature of telehealth services, their benefits and risks, the limitations of telehealth, your rights as a patient, and your consent to receive medical services via telemedicine technology. Your execution of the Telehealth Informed Consent is a prerequisite to receiving medical services through the Platform.

B. Kora MD’s Role

Kora MD is not a party to the Telehealth Informed Consent and does not provide telehealth medical services. The Telehealth Informed Consent governs the relationship between you and the Practice.

C. Technology Requirements

To access telehealth services through the Platform, you must have: (a) a device (computer, tablet, or smartphone) with a functioning camera and microphone (for synchronous video consultations); (b) a stable internet connection with sufficient bandwidth to support video communication (for synchronous consultations); (c) a current, supported web browser or the designated application; and (d) a valid email address and the ability to receive and respond to electronic communications. You are solely responsible for ensuring that your technology meets these requirements.

D. Provider Qualifications

All clinical services accessible through the Platform are provided by licensed healthcare providers employed by or affiliated with the Practice. Healthcare providers may include physicians (MDs and DOs), nurse practitioners (NPs/APRNs), physician assistants (PAs), and other mid-level providers authorized to prescribe under applicable state law. All providers hold active, unrestricted licenses in the states where they practice. You may not select a specific individual healthcare provider. The Practice assigns providers based on licensure, availability, clinical expertise, and the state in which you are physically located.

E. Not a Substitute for In-Person Medical Care

The services offered through the Platform are intended to supplement, not replace, your relationship with your primary care physician or other in-person healthcare providers. We strongly encourage you to maintain an ongoing relationship with a primary care provider and to inform your primary care provider of any medications prescribed through the Platform. Telehealth consultations have inherent limitations, including the inability to perform physical examinations, order certain diagnostic tests, or evaluate conditions that require hands-on clinical assessment. Your treating provider may determine that telehealth is not clinically appropriate for your needs and may recommend that you seek in-person care.

F. Patient Obligations

As a condition of receiving services through the Platform, you agree to: (a) provide truthful, accurate, and complete information regarding your medical history, current health status, medications, allergies, and other relevant health information; (b) promptly inform your provider of any changes in your health status, medications, or medical conditions; (c) follow your provider’s instructions regarding medication use, dosage, follow-up care, and monitoring; (d) report any side effects, adverse reactions, or concerns about your treatment to your provider promptly; (e) maintain an ongoing relationship with a primary care provider and inform your primary care provider of any medications prescribed through the Platform; (f) present for any follow-up consultations or appointments as directed by your provider; (g) refrain from obtaining the same or similar medications from multiple providers or sources without disclosing such use to your provider; and (h) use prescribed medications only as directed and only for the individual for whom they were prescribed.

X. PHARMACY FULFILLMENT TERMS

A. Pharmacy Independence

All prescription medications are dispensed by independently licensed Pharmacy Partners. Kora MD does not participate in the dispensing, compounding, handling, or shipping of any prescription medication. Any questions, concerns, or adverse events related to a dispensed medication should be directed to the dispensing Pharmacy Partner and to your treating healthcare provider.

B. Shipping and Delivery

Medication shipping timelines and methods are determined by the applicable Pharmacy Partner and may vary based on your location, medication availability, and other factors. Estimated delivery timelines provided on the Website are approximations only and are not guaranteed. Kora MD is not responsible for delays in shipping or delivery caused by the Pharmacy Partner, shipping carriers, weather, regulatory holds, or other factors outside of Kora MD’s control.

C. Cold Chain and Handling

Certain medications, including injectable formulations, may require temperature-controlled shipping and storage. You are responsible for promptly receiving and properly storing medications in accordance with instructions provided by the Pharmacy Partner, including any cold chain storage requirements. Kora MD and the Pharmacy Partners are not responsible for medication degradation resulting from your failure to follow storage instructions.

D. Medication Issues

If you receive damaged, incorrect, or potentially compromised medication, you should contact the dispensing Pharmacy Partner immediately using the contact information provided with your shipment. You should also notify Kora MD at care@koramd.com so that we can assist in coordinating a resolution with the Pharmacy Partner.

XI. INTELLECTUAL PROPERTY

A. Ownership

The Website, including all content, features, functionality, design, text, graphics, logos, trademarks, service marks, images, software, code, and other materials displayed on or accessible through the Website (collectively, “Platform Content”), is owned by Kora MD, its licensors, or other rights holders and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. The Kora MD name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Kora MD or its affiliates. You may not use such marks without the prior written permission of Kora MD.

B. Limited License

Subject to your compliance with this Agreement, Kora MD grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website and Platform Content solely for your personal, non-commercial use in connection with the services offered through the Platform. This license does not include the right to: (i) modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Platform Content; (ii) use any data mining, robots, or similar data gathering or extraction methods; (iii) download any portion of the Website or Platform Content, except as expressly permitted; or (iv) use the Website or Platform Content other than for its intended purpose.

C. User-Generated Content

To the extent you submit any content, reviews, feedback, or other materials to the Website or to Kora MD (“User Content”), you grant Kora MD a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, display, and create derivative works from such User Content in any media format and through any media channel, subject to our Privacy Policy. You represent and warrant that you own or have the necessary rights to submit User Content and that such content does not violate the rights of any third party.

XII. USER CONDUCT

A. Prohibited Activities

You agree that you will not, and will not attempt to: (i) use the Platform for any purpose that is unlawful or prohibited by this Agreement; (ii) impersonate any person or entity or misrepresent your affiliation with any person or entity; (iii) provide false, inaccurate, or misleading information in connection with your use of the Platform, including in the Health Assessment; (iv) interfere with, disrupt, or attempt to gain unauthorized access to the Platform, its servers, or any networks connected to the Platform; (v) use any automated system, including bots, crawlers, or scrapers, to access the Platform; (vi) attempt to obtain medication for any individual other than yourself; (vii) sell, transfer, or distribute any medication obtained through the Platform; (viii) use the Platform to obtain controlled substances (the Platform does not provide access to controlled substances); or (ix) harass, threaten, or abuse any Kora MD employee, representative, or healthcare provider affiliated with the Practice.

B. Consequences of Violation

Violation of this Section XII may result in immediate suspension or termination of your account and membership without refund, and Kora MD reserves the right to pursue any and all legal remedies available, including reporting violations to law enforcement authorities where appropriate.

XIII. DISCLAIMERS

A. Platform Provided “As Is”

THE WEBSITE AND ALL PLATFORM CONTENT AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, KORA MD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. KORA MD DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

B. No Medical Warranty

KORA MD IS NOT A HEALTHCARE PROVIDER AND DOES NOT PRACTICE MEDICINE. KORA MD MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE QUALITY, ACCURACY, OR OUTCOMES OF ANY MEDICAL SERVICES PROVIDED BY THE PRACTICE OR ITS AFFILIATED PROVIDERS. KORA MD MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE SAFETY, EFFICACY, OR QUALITY OF ANY MEDICATION DISPENSED BY THE PHARMACY PARTNERS, INCLUDING BUT NOT LIMITED TO COMPOUNDED MEDICATIONS. ALL MEDICAL DECISIONS ARE MADE BY INDEPENDENTLY LICENSED HEALTHCARE PROVIDERS IN THEIR SOLE CLINICAL JUDGMENT. YOU ACKNOWLEDGE THAT ALL MEDICAL TREATMENT CARRIES INHERENT RISKS AND THAT RESULTS VARY AMONG INDIVIDUALS. KORA MD IS NOT RESPONSIBLE FOR ANY ADVERSE REACTIONS, SIDE EFFECTS, ALLERGIC REACTIONS, DRUG INTERACTIONS, OR OTHER NEGATIVE HEALTH OUTCOMES RESULTING FROM MEDICATIONS PRESCRIBED BY THE PRACTICE OR DISPENSED BY THE PHARMACY PARTNERS. THE PRACTICE AND ITS AFFILIATED PROVIDERS ARE INDEPENDENT CONTRACTORS AND NOT EMPLOYEES OR AGENTS OF KORA MD. KORA MD DOES NOT CONTROL, DIRECT, OR SUPERVISE THE CLINICAL JUDGMENT, MEDICAL DECISIONS, OR TREATMENT RECOMMENDATIONS OF ANY PROVIDER AFFILIATED WITH THE PRACTICE. YOU ACKNOWLEDGE AND AGREE THAT KORA MD IS NOT VICARIOUSLY LIABLE FOR THE ACTS OR OMISSIONS OF THE PRACTICE, ITS AFFILIATED PROVIDERS, OR THE PHARMACY PARTNERS.

B-1. Compounded Medication Specific Disclaimer

COMPOUNDED MEDICATIONS AVAILABLE THROUGH THE PLATFORM HAVE NOT BEEN APPROVED BY THE FDA. THE FDA DOES NOT VERIFY THE SAFETY, EFFECTIVENESS, OR QUALITY OF COMPOUNDED MEDICATIONS. COMPOUNDED MEDICATIONS ARE PREPARED BY LICENSED PHARMACIES PURSUANT TO INDIVIDUAL PATIENT PRESCRIPTIONS IN ACCORDANCE WITH SECTION 503A OR SECTION 503B OF THE FEDERAL FOOD, DRUG, AND COSMETIC ACT (21 U.S.C. SECTION 353a OR 21 U.S.C. SECTION 353b), AS APPLICABLE. YOU UNDERSTAND THAT COMPOUNDED MEDICATIONS MAY CARRY RISKS THAT DIFFER FROM OR EXCEED THE RISKS ASSOCIATED WITH FDA-APPROVED MEDICATIONS, INCLUDING RISKS RELATED TO VARIABILITY IN POTENCY, PURITY, QUALITY, STERILITY, AND FORMULATION. YOU VOLUNTARILY ACCEPT THESE RISKS. IF YOU EXPERIENCE ANY ADVERSE EVENT OR SIDE EFFECT THAT YOU BELIEVE MAY BE RELATED TO A COMPOUNDED MEDICATION, YOU SHOULD CONTACT YOUR TREATING PROVIDER IMMEDIATELY AND MAY REPORT THE EVENT TO THE FDA THROUGH MEDWATCH (WWW.FDA.GOV/MEDWATCH OR 1-800-FDA-1088).

C. Informational Content

Any health-related information provided on the Website, including blog posts, articles, educational content, and answers to frequently asked questions, is provided for general informational purposes only and does not constitute medical advice, diagnosis, or treatment. Such content should not be relied upon as a substitute for professional medical advice from a licensed healthcare provider. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition.

D. Third-Party Links

The Website may contain links to third-party websites or resources. Kora MD provides these links for your convenience only and does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Your access to and use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

XIV. LIMITATION OF LIABILITY

A. Limitation

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KORA MD, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (I) YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE OR SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR THROUGH THE PLATFORM, INCLUDING THE PRACTICE AND THE PHARMACY PARTNERS; (III) ANY MEDICAL TREATMENT, ADVICE, DIAGNOSIS, OR MEDICATION RECEIVED THROUGH OR IN CONNECTION WITH THE PLATFORM; (IV) ANY UNAUTHORIZED ACCESS TO, USE OF, OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (V) ANY OTHER MATTER RELATING TO THE WEBSITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT KORA MD HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

B. Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF KORA MD FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE WEBSITE AND SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU HAVE PAID TO KORA MD DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

C. Essential Basis

YOU ACKNOWLEDGE AND AGREE THAT THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN THIS AGREEMENT REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND KORA MD AND THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES. KORA MD WOULD NOT BE ABLE TO PROVIDE THE SERVICES TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS.

D. Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS. NOTHING IN THIS AGREEMENT SHALL LIMIT OR EXCLUDE LIABILITY TO THE EXTENT THAT SUCH LIMITATION OR EXCLUSION IS NOT PERMITTED BY APPLICABLE LAW.

XV. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Kora MD, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to: (i) your use of the Website or services; (ii) your violation of this Agreement; (iii) your violation of any applicable law, rule, or regulation; (iv) your provision of false, inaccurate, or incomplete information; (v) any claim by a third party arising from or relating to your use of the Website or services; or (vi) any dispute between you and the Practice or a Pharmacy Partner. This indemnification obligation shall survive the termination of this Agreement and your use of the Website and services.

XVI. DISPUTE RESOLUTION AND ARBITRATION

A. Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact Kora MD at care@koramd.com to attempt to resolve the dispute informally. You agree to provide a written description of the dispute, including all relevant facts and your requested relief. Kora MD will attempt to resolve the dispute informally within thirty (30) days of receiving your written description. If the dispute is not resolved within thirty (30) days, either party may proceed to binding arbitration as described below.

B. Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to this Agreement, the Website, or the services, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator. The seat of arbitration shall be Laramie County, Wyoming, unless the parties mutually agree to an alternative location or to virtual proceedings. The arbitrator’s decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to award the same damages and relief that a court could award under applicable law.

C. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND KORA MD EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN ARBITRATION OR IN COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU AND KORA MD EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE OR CONSOLIDATED ACTION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, BOTH YOU AND KORA MD WAIVE THE RIGHT TO A JURY TRIAL.

C-1. Time Limitation on Claims

YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO USE OF THE WEBSITE, THE SERVICES, OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED. THIS LIMITATION APPLIES TO ALL CLAIMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY.

D. Exceptions to Arbitration

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s intellectual property rights or confidential information. Additionally, either party may bring an individual action in small claims court for disputes within the jurisdictional limits of such court.

E. Opt-Out Right

You have the right to opt out of this arbitration provision by sending written notice of your decision to opt out to the following address within thirty (30) days of your first acceptance of this Agreement: Kora Health LLC, Attn: Legal Department, 10503 Foundation Road, Austin, TX 78726, or by email to care@koramd.com with the subject line “Arbitration Opt-Out.” If you opt out, the remaining provisions of this Agreement will continue to apply.

F. Limitation on Time to File Claims

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY CAUSE OF ACTION, CLAIM, OR DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. FAILURE TO BRING A CLAIM WITHIN THIS ONE-YEAR PERIOD SHALL RESULT IN THE PERMANENT BARRING OF SUCH CLAIM. THIS LIMITATION APPLIES REGARDLESS OF WHETHER THE CLAIM SOUNDS IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY. THIS PROVISION SHALL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW IN YOUR STATE OF RESIDENCE.

G. Federal Arbitration Act

The Federal Arbitration Act, 9 U.S.C. Sections 1 through 16, governs the interpretation and enforcement of the arbitration provisions in this Section XVI. If the AAA is unavailable or unable to administer the arbitration, the parties will agree on an alternative arbitration provider. If the parties cannot agree, a court of competent jurisdiction will appoint an arbitration provider.

H. Thirty-Day Opt-Out Window

You may opt out of the arbitration and class action waiver provisions of this Section XVI by sending written notice to Kora MD within thirty (30) days of first accepting these Terms. The opt-out notice must be sent to: Kora Health LLC, Attn: Legal Department, 10503 Foundation Road, Austin, TX 78726, or by email to care@koramd.com with the subject line “Arbitration Opt-Out.” The notice must include your full name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. If you opt out within the thirty-day period, you will not be bound by the arbitration provisions, but all other provisions of these Terms will continue to apply.

J. Mass Arbitration Protocols

If, at any time, twenty-five (25) or more similar arbitration demands are filed against Kora MD relating to substantially similar facts, claims, or issues (“Mass Arbitration”), the following bellwether protocol will apply: (a) from the pool of Mass Arbitration demands, ten (10) bellwether cases will be selected — four (4) by claimants’ counsel, four (4) by Kora MD’s counsel, and two (2) at random by the AAA; (b) the ten (10) bellwether cases will proceed to individual arbitration; (c) all non-bellwether cases will be stayed pending resolution of the bellwether cases, with statutes of limitations and filing fee deadlines tolled; (d) within thirty (30) days of resolution of all bellwether cases, the parties will participate in a mediation session to resolve remaining cases; and (e) if mediation does not resolve the remaining cases, they will proceed in additional batches using the same protocol. No filing fees or arbitrator compensation fees accrue for non-bellwether cases during the stay.

K. Confidentiality of Arbitration

All aspects of the arbitration proceeding, including the existence of the arbitration, all documents exchanged, all testimony, and the arbitrator’s award, are confidential, except as necessary to enforce the award, as required by applicable law, or as agreed by the parties in writing.

XVII. GOVERNING LAW AND JURISDICTION

A. Governing Law

This Agreement and any dispute arising out of or relating to this Agreement, the Website, or the services shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles.

B. Jurisdiction

To the extent that any dispute is not subject to arbitration under Section XVI or falls within an exception thereto, you consent to the exclusive jurisdiction of the state and federal courts located in Laramie County, Wyoming, and you waive any objection to the exercise of jurisdiction over the parties by such courts and to venue in such courts.

XVIII. COMMUNICATIONS AND CONSENT TO ELECTRONIC COMMUNICATIONS

A. Electronic Communications Consent

By creating an account, you consent to receive electronic communications from Kora MD, including but not limited to emails, account notifications, membership confirmations, renewal reminders, transactional messages, and service-related announcements. You agree that all agreements, notices, disclosures, and other communications that Kora MD provides to you electronically satisfy any legal requirement that such communications be in writing.

B. Marketing Communications

With your express consent, Kora MD may send you marketing communications, including promotional offers, health and wellness content, and information about new services or features. You may opt out of marketing communications at any time by clicking the “unsubscribe” link in any marketing email or by contacting care@koramd.com. Opting out of marketing communications does not affect your receipt of transactional or service-related communications.

C. SMS/Text Message Consent

By providing your mobile telephone number and checking the applicable consent box during account registration or at any other point during your use of the Platform, you expressly consent to receive SMS text messages from Kora MD at the mobile number provided. These messages may include appointment reminders, shipping notifications, account alerts, and, where you have separately opted in, marketing and promotional messages. Message frequency varies. Message and data rates may apply depending on your mobile carrier and plan. You may opt out of SMS messages at any time by replying “STOP” to any message received from Kora MD. After you send “STOP,” you will receive a single confirmation message, and no further SMS messages will be sent to you unless you re-enroll. For assistance, reply “HELP” to any message or contact care@koramd.com. Kora MD will not condition the provision of services on your consent to receive SMS marketing messages. SMS consent is not required as a condition of purchasing any Membership Plan or receiving any services. Your mobile carrier is not liable for delayed or undelivered messages. By providing your mobile number and consenting to receive SMS messages, you represent and warrant that you are the account holder for the mobile number provided or that you have the account holder’s permission to receive SMS messages at that number. For complete information about how your phone number and related data are used, please refer to our Privacy Policy.

D. Telephone Communications

By providing your telephone number, you consent to receive telephone calls from Kora MD and its authorized agents regarding your account, membership, and services. Calls may be made using an automatic telephone dialing system or prerecorded voice. You may revoke this consent at any time by contacting care@koramd.com.

XIX. TERMINATION

A. Termination by You

You may terminate this Agreement and close your account at any time by canceling your Membership Plan in accordance with Section VII.C and contacting care@koramd.com to request account closure.

B. Termination by Kora MD

Kora MD may suspend or terminate your account and access to the Website and services at any time, with or without cause and with or without notice, including but not limited to circumstances where Kora MD reasonably believes that you have violated this Agreement, provided false information, engaged in fraudulent or illegal activity, or engaged in conduct that could harm Kora MD, the Practice, the Pharmacy Partners, or other users. In the event of termination by Kora MD for cause, you will not be entitled to any refund of fees paid.

C. Effect of Termination

Upon termination of your account, your right to access and use the Website and services will immediately cease. Termination does not relieve you of any obligations arising prior to termination, including payment obligations. The following sections of this Agreement shall survive termination: Sections II.A (to the extent describing Kora MD’s role), XI, XIII, XIV, XV, XVI, XVII, XVIII, XX, XXI, XXII, XXIII, and XXIV.

D. Patient Safety Continuity

In the event of termination or suspension of your account, whether by you or by Kora MD, the following patient safety provisions apply: (a) any prescription that has already been transmitted to a Pharmacy Partner will be processed and fulfilled notwithstanding the termination; (b) your treating provider may, in the provider’s sole clinical judgment, provide a reasonable transition period and, where clinically necessary, a bridge prescription to prevent abrupt discontinuation of medication that could pose health risks; (c) your medical records will be maintained by the Practice in accordance with applicable state medical records retention requirements; and (d) you retain the right to request copies of your medical records from the Practice following termination.

E. Data Retention Post-Termination

Following termination of your account, Kora MD will retain your personal information for the period necessary to comply with legal and regulatory obligations, resolve disputes, enforce this Agreement, and maintain records required by applicable law. Medical records created by the Practice during your treatment are maintained by the Practice in accordance with applicable state and federal medical records retention requirements, which typically range from five (5) to ten (10) years depending on the jurisdiction. Kora MD may delete or anonymize personal information that is no longer required for any legitimate purpose, subject to applicable data retention laws.

XX. SEVERABILITY

If any provision of this Agreement is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent, or if such modification is not possible, such provision shall be severed from this Agreement. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of this Agreement, which shall continue in full force and effect.

XXI. FORCE MAJEURE

Kora MD shall not be liable for any delay or failure to perform any obligation under this Agreement to the extent that such delay or failure is caused by events beyond Kora MD’s reasonable control, including but not limited to acts of God, natural disasters, epidemics, pandemics, war, terrorism, riots, civil unrest, government actions, embargoes, sanctions, regulatory changes, pharmaceutical supply disruptions, shipping carrier delays, labor disputes, power failures, internet or telecommunications failures, or cyberattacks. During any period of force majeure, Kora MD’s obligations under this Agreement shall be suspended to the extent affected, and Kora MD will use commercially reasonable efforts to resume performance as soon as practicable.

XXII. Assignment

You may not assign, transfer, or delegate this Agreement or any of your rights or obligations hereunder, in whole or in part, without the prior written consent of Kora MD. Any attempted assignment in violation of this provision shall be null and void. Kora MD may freely assign, transfer, or delegate this Agreement and any of its rights or obligations hereunder without restriction and without notice to you, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.

XXIII. Entire Agreement, Waiver, and Construction

A. Entire Agreement

This Agreement, together with the Privacy Policy, Telehealth Informed Consent, and any other policies or terms incorporated by reference herein, constitutes the entire agreement between you and Kora MD with respect to the subject matter hereof and supersedes all prior or contemporaneous communications, agreements, representations, and understandings, whether oral or written, between you and Kora MD regarding such subject matter.

B. Waiver

The failure of Kora MD to enforce any provision of this Agreement at any time shall not be construed as a waiver of such provision or of the right to enforce such provision at a later time. A waiver of any provision of this Agreement shall be effective only if made in writing and signed by an authorized representative of Kora MD.

C. No Agency, Partnership, or Joint Venture

Nothing in this Agreement shall be construed to create any agency, partnership, joint venture, employer-employee, or franchisor-franchisee relationship between you and Kora MD. You may not make any representations or enter into any agreements on behalf of Kora MD. No agency, partnership, joint venture, or employment relationship is created as a result of this Agreement, and you may not make any representations or bind Kora MD in any manner.

D. Section Titles and Construction

The section titles, headings, and captions in this Agreement are for convenience of reference only and have no legal or contractual effect. They shall not be used in the interpretation or construction of any provision of this Agreement. This Agreement operates to the fullest extent permissible by applicable law.

E. No Third-Party Beneficiaries

Except as expressly provided in this Agreement with respect to the Practice and its affiliated professional entities, which are intended third-party beneficiaries of the entity attribution, limitation of liability, and indemnification provisions of this Agreement, nothing in this Agreement is intended to confer any rights or remedies upon any person or entity other than you and Kora MD.

F. Savings Clause for Consumer Protection Statutes

Nothing in this Agreement is intended to, and nothing in this Agreement shall be construed to, waive, limit, or override any rights or protections afforded to you as a consumer under applicable federal or state consumer protection statutes, including but not limited to state Unfair and Deceptive Acts and Practices (“UDAP”) statutes, state automatic renewal laws, the FTC Act (15 U.S.C. Section 45), and any other non-waivable statutory consumer protections. To the extent any provision of this Agreement conflicts with a non-waivable consumer protection right, the consumer protection right shall prevail.

XXIV. Compliance With Applicable Law; State-Specific Provisions

A. Service Availability

Currently offering services in all 50 states plus Washington D.C. Some services may not be available in all 50 states or Washington D.C. Subject to change. The availability of specific services, medications, or treatment modalities in any given state is subject to applicable state law, state medical board regulations, state pharmacy board regulations, and the licensing status of the Practice’s affiliated providers in that state.

B. Telehealth Prescribing Compliance

The Practice complies with all applicable federal and state laws governing the prescribing of medications through telehealth, including but not limited to the Ryan Haight Online Pharmacy Consumer Protection Act (21 U.S.C. Section 829(e)), applicable state telemedicine practice acts, and applicable state pharmacy laws. Certain states impose specific requirements or limitations on telehealth prescribing, and the Practice will comply with all such requirements applicable to the state where you are physically located at the time of your consultation.

C. Non-Discrimination

Kora MD and the Practice do not discriminate on the basis of race, color, national origin, sex (including pregnancy, sexual orientation, and gender identity), age, disability, religion, or any other characteristic protected by applicable federal, state, or local law, in accordance with Section 1557 of the Affordable Care Act (42 U.S.C. Section 18116) and applicable state and federal civil rights laws. If you believe you have been subjected to discrimination, you may file a complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, at hhs.gov/ocr/complaints.

D. No Controlled Substances

The Practice does not prescribe controlled substances (as defined by the U.S. Drug Enforcement Administration under 21 U.S.C. Section 812) through the telehealth services associated with the Platform.

E. Emergency Services Disclaimer

The platform and the practice do not provide emergency medical services. If you believe you are experiencing a medical emergency, call 911 or go to your nearest emergency room immediately. Do not rely on the platform, Kora MD, or the practice for emergency medical care. Telehealth services are intended only for specific, non-emergency medical conditions and concerns.

XXV. Good Faith Estimates and Pricing Transparency

A. Your Right to a Good Faith Estimate

This Platform facilitates access to healthcare services provided by independently licensed healthcare providers and pharmacies. All services are provided on a self-pay basis. You have the right to receive a Good Faith Estimate explaining how much your medical care will cost. Under the No Surprises Act (42 U.S.C. Section 300gg-111(f)), healthcare providers are required to give patients who do not have insurance or who are not using insurance an estimate of the bill for items and services before those items or services are provided.

When you schedule a clinical evaluation or other service through this Platform, a Good Faith Estimate will be provided to you in writing (electronically or in paper form) that includes an itemized breakdown of expected charges. This estimate is based on information available at the time of scheduling and is not a contract or guarantee of final charges.

B. Self-Pay Disclosure

The services available through this Platform are provided on a self-pay basis. Kora MD does not bill health insurance, Medicare, Medicaid, or any other federal health care program for services facilitated through the Platform. By enrolling in a Membership Plan, you acknowledge that you do not intend to submit a claim for these services to a health insurance plan, Medicare, Medicaid, or any other federal health care program. As a self-pay patient, you have the right to receive a Good Faith Estimate of expected charges for your care before your scheduled evaluation.

C. Itemized Cost Disclosure

Your Membership Plan subscription represents the estimated total cost of your plan. An itemized breakdown of the components is as follows: (1) Clinical Evaluation and Provider Services, provided by independently licensed healthcare providers through the Practice; (2) Prescription Medication, if prescribed and dispensed by an independently licensed Pharmacy Partner; (3) Platform and Administrative Services, provided by Kora MD, including technology, scheduling, customer support, and administrative coordination; and (4) Shipping and Handling, provided by the dispensing Pharmacy Partner or a contracted delivery service. The total estimated monthly cost is reflected in the pricing displayed at the time of enrollment. Actual charges may vary based on your prescribed medication, dosage, and the dispensing pharmacy.

D. Patient-Provider Dispute Resolution

If the actual charges you receive for your care exceed the amount shown in your Good Faith Estimate by four hundred dollars ($400) or more, you have the right to dispute the charges. Under the No Surprises Act, you may initiate the patient-provider dispute resolution process by contacting CMS at 1-800-985-3059 or visiting www.cms.gov/nosurprises/consumers. To initiate a dispute, you must do so within one hundred twenty (120) calendar days of receiving the bill that exceeds your Good Faith Estimate by $400 or more. During the dispute resolution process, the disputed amount will not be sent to collections. We encourage you to save a copy of every Good Faith Estimate you receive for your records.

XXVI. Trademark Notices

Ozempic® and Wegovy® are registered trademarks of Novo Nordisk A/S. Mounjaro® and Zepbound® are registered trademarks of Eli Lilly and Company. Kora MD Health International, Inc. is not affiliated with, endorsed by, or sponsored by Novo Nordisk A/S or Eli Lilly and Company. References to these brand-name medications on the Platform are for informational purposes to identify FDA-approved medications that may be available through the Platform’s affiliated providers. The availability of brand-name medications is subject to provider determination, product availability, and applicable insurance or pricing arrangements. Where the Platform offers compounded formulations of semaglutide or tirzepatide, these compounded formulations are not manufactured by Novo Nordisk or Eli Lilly, are not FDA-approved, and are not bioequivalent to or interchangeable with the branded products.

XXVII. Contact Information

If you have any questions, concerns, or complaints regarding this Agreement, the Website, or the services, please contact us at:

Kora Health LLC
A Wyoming Corporation
Email: care@koramd.com
Website: koramd.com
Mailing Address: 10503 Foundation Road, Austin, TX 78726
Registered Agent: Firstbase Agent LLC, 1007 N Orange St., 4th Fl, Ste 2985, Wilmington, DE 19801
Phone: (855) 597-1248

You may also direct written correspondence to:

Kora Health LLC
Attn: Legal Department
10503 Foundation Road
Austin, TX 78726

For medical questions or concerns about your treatment, please contact the Practice directly through the patient portal or at the contact information provided during your clinical consultation. For questions about your prescription or medication, please contact the dispensing Pharmacy Partner directly using the contact information provided with your shipment.

By using the website, creating an account, purchasing a membership plan, or otherwise accessing or using the services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.