Parallel Health Terms of Service

Last Updated: October 5, 2026

These Terms of Service (the "Terms" or "Agreement") govern your use of the Services, Products, and Website (each defined below) and form a legal agreement between you and Parallel Health, Inc., Parallel Medical, a California professional corporation ("Parallel Medical"), our other contracted healthcare entities, and related entities (collectively, "Parallel Health," "Company," "we," "our," or "us"). PLEASE READ THESE TERMS CAREFULLY.

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION THAT, AS SET FORTH IN SECTION 24 BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR ANY OTHER COURT PROCEEDINGS OR CLASS ACTIONS OF ANY KIND.

This Agreement covers your use of the Parallel Health website located at https://www.parallelhealth.io, any mobile applications, any successor sites (together with all materials and services available on them, including your User Account, the "Website"), our products, skin microbiome testing, telehealth and other services, and the communication channels we control, such as email, telephone, text message, and social media (collectively, the "Services"). This Agreement incorporates by reference our Privacy Policy, Refund and Return Policy, Cancellation Policy, Shipping Policy, Disclaimer, and any other terms we post through the Services or otherwise make available to you ("Additional Terms").

Parallel Health, Inc. is not a healthcare provider. Medical services, including teledermatology consultations and prescriptions, are provided by independent, U.S.-licensed clinicians through Parallel Medical and other contracted healthcare entities. Prescription products are prepared by licensed third-party compounding pharmacies.

BY USING THE SERVICES, YOU CONFIRM THAT YOU (a) ARE AT LEAST EIGHTEEN (18) YEARS OF AGE (OR THE AGE OF MAJORITY WHERE YOU LIVE), OR (b) ARE AT LEAST THIRTEEN (13) YEARS OF AGE AND HAVE OBTAINED CONSENT FROM A PARENT OR LEGAL GUARDIAN. CHILDREN UNDER THIRTEEN (13) MAY NOT ACCESS OR USE THE SERVICES, EVEN WITH PARENTAL CONSENT. A parent or legal guardian may prohibit a minor's use of the Services. If you are a parent or legal guardian and believe a minor in your care has used the Services without your consent, contact support@parallelhealth.io.

1. Changes to These Terms

We may change this Agreement from time to time. We will notify you of material changes by reasonable means, such as posting the revised Agreement on the Website with a new "Last Updated" date or emailing you. Changes will not apply to any dispute that arose before we posted or sent notice of them. Your continued use of the Services after a change takes effect means you accept the revised Agreement.

We may, at any time and without liability, modify or discontinue all or part of the Services; set, change, or waive fees; or offer Promos or Promotions (defined below) to some or all users.

2. Information You Submit; Jurisdiction

Our collection and use of your information is described in our Privacy Policy. Protected health information that Parallel Medical collects in connection with medical care is also governed by its Notice of Privacy Practices. You agree that the information you give us is accurate and complete, and that you will keep it up to date.

The Services are operated from the United States and are directed to residents of the United States. Telehealth services are available only in states where our affiliated clinicians are licensed to practice, and some Products or Services may not be available in every state. Non-prescription Products may be shipped outside the United States where listed in our Shipping Policy. Use of the Services from outside the United States is at your own risk, and you are responsible for complying with local laws. We may limit availability of the Services to any person, place, or jurisdiction at any time.

3. Our Services and Scope of Care

Parallel Health offers skin microbiome testing, personalized skincare and cosmeceutical products, and access to teledermatology care through Parallel Medical, including the MD-03 Protocol™ and our Microbiome Dermatology™ programs.

Scope. Teledermatology services through the Website address acne, rosacea, skin aging, melasma, hidradenitis suppurativa, body odor, scalp concerns, and related skin conditions. They are not intended for skin cancer screening, evaluation of suspicious moles or lesions, or any condition outside this scope.

How care is delivered. Most care is asynchronous. A licensed clinician reviews your intake, photos, and test results and responds through the Services. Your clinician may schedule a live video visit when clinically appropriate. A clinician decides whether a prescription is appropriate, and a prescription is never guaranteed.

Your responsibilities. You agree to give complete and accurate information about your health, medications, allergies, and sensitivities, and to review the full ingredient list for each Product before use. Ingredient lists are available on the Website and Product packaging. Stop using any Product and contact us if you have a reaction.

Not a substitute for other care. The Services do not replace your primary care physician, an in-person dermatologist, or other qualified healthcare professionals. Never delay or disregard medical advice because of information you received through the Services.

Emergencies. The Services are not for medical emergencies. If you are having a medical emergency, call 9-1-1 or your local emergency number right away.

4. Subscriptions and Automatic Renewal

Enrollment. Some Products and Services are offered by subscription, including the MD-03 Protocol™, Blue Biotic™, Daily Reset, and custom prescription subscriptions (each, a "Subscription"). Before you buy, we will show you the price, billing frequency, minimum commitment (if any), and how to cancel. You must agree to these terms before we charge you, and we will email you a confirmation that includes them.

AUTOMATIC RENEWAL. WHEN YOU ENROLL IN A SUBSCRIPTION, YOU AUTHORIZE US TO CHARGE YOUR PAYMENT METHOD ON FILE AT THE START OF EACH BILLING PERIOD (MONTHLY UNLESS A DIFFERENT FREQUENCY IS SHOWN AT CHECKOUT) UNTIL YOU CANCEL. YOUR SUBSCRIPTION WILL CONTINUE AND RENEW AUTOMATICALLY UNTIL YOU CANCEL.

Minimum commitment. Subscriptions require a minimum commitment of three (3) billing months, as described in our Refund and Return Policy. After the minimum period, you may cancel at any time.

How to cancel. You may cancel online by logging in to your User Account and going to Manage Subscriptions, or by emailing support@parallelhealth.io. To avoid the next charge, cancel at least two (2) business days before your next billing date. Cancellation takes effect at the end of your current billing period. Early cancellation for medical reasons is addressed in our Refund and Return Policy and Cancellation Policy.

Price changes and reminders. We will give you advance notice before any price change to your Subscription takes effect, and you may cancel before the new price applies. We will also send any renewal reminders required by law. If your Products change because you request it or your clinician prescribes something different, your Subscription price may change, and we will tell you before charging the new amount.

Billing information. You are responsible for keeping your billing information current in your User Account. If a payment fails, we may retry your payment method, charge another payment method on file, pause shipments, or end your Subscription.

Pricing. We set the prices of our Products and Services and may change them at any time, subject to the notice described above for existing Subscriptions. We may change previously advertised trials, products, services, or Subscription offers, or make promotional offers with different pricing to some customers. Offers made to others do not apply to your account.

No purchase for resale. We sell Products directly to end consumers through Subscriptions, our online store, and authorized retail partners. Buying Products for resale is prohibited. If we believe you are buying for resale, we may restrict sales to you, cancel orders, suspend or close your User Account, and report the activity to third-party platforms or authorities.

5. Skin Microbiome Testing

What the test does. Our skin microbiome testing uses whole-genome shotgun metagenomic sequencing of swab samples you collect at home. Your results include a Quantitative Microbial Analysis™ and Metabolic Microbiome Profiling™. Standard sites are face, body spot, body odor, and scalp. A clinician may request other sites using the same method.

Collecting and returning samples. Follow the kit instructions. We may be unable to process samples that are collected incorrectly, contaminated, damaged in transit, or received after the kit's expiration date. If a sample cannot be processed, we will contact you about next steps.

Laboratory. Samples are processed at Parallel Health's laboratory and at partner laboratories certified under the Clinical Laboratory Improvement Amendments (CLIA).

Results are not a diagnosis. Test results are information about the microbial makeup of your skin. They do not diagnose any disease by themselves. A diagnosis or treatment recommendation can be made only by a licensed clinician who reviews your results along with your history and photos.

Your sample and data. Our analysis focuses on microbial DNA. Sequencing may capture small amounts of human DNA, which we filter out and discard. With your consent, we may use de-identified samples and data for research, product development, and quality control, and we may store samples in our biobank, as described in our Privacy Policy. You give this consent by checking the research consent box at the end of the Health Intake Form. You may withdraw research consent at any time by emailing support@parallelhealth.io.

Final sale. Testing kits are final sale once purchased, as described in our Refund and Return Policy.

6. Use of Artificial Intelligence

We use artificial intelligence and machine learning tools to analyze sequencing data, photos, and intake information, and to help prepare recommendations. A licensed clinician reviews any AI-assisted output before it is used to make a diagnosis or to prescribe. AI tools may make errors, and their output is not medical advice on its own.

We do not currently use generative AI to send you messages about your clinical information without clinician review. If that changes, we will update these Terms, and any such message will say that it was prepared with AI and tell you how to reach a member of our care team.

7. Insurance

Parallel Medical is in network with certain health plans in certain states and may bill your plan for covered services, such as teledermatology visits and, where covered, test analysis or remote monitoring. Coverage depends on your plan, and we do not guarantee that any service will be covered or reimbursed.

By giving us your insurance information, you authorize Parallel Medical to submit claims to your plan, receive payment directly, and share the information needed to process claims. You are responsible for copays, coinsurance, deductibles, and charges for any service your plan does not cover. Products, testing kits, and Subscription fees are billed to you directly unless we state otherwise in writing. You agree to tell us promptly about any change to your coverage.

8. Communications; Acknowledgments

Consent to communications. By entering into this Agreement, you agree to receive communications from us by email, text message, phone call, and push notification ("Communications"). These may include messages about your account, orders, payments, care, and reminders, as well as marketing about products and promotions. Agreeing to marketing Communications is not a condition of purchase. You can unsubscribe from promotional emails using the link in any promotional email.

Email security. Emails from us will never contain your photos or payment information, but some may include details about your care. Keep your email account secure and limit who can access it. By registering an email address, you consent to our sending personal information, including health information, to that address.

Text message terms.

  • We offer transactional text messages (shipment updates, account and Subscription notices, alerts for messages from your clinician) and marketing text messages (product news, promotions, education, and reminders). Messages may be sent using automated technology. Consent to text messages is not a condition of purchase.
  • To stop text messages, reply STOP to the number or short code that sent them. We will confirm by text. To opt back in, reply START. You can also update text preferences in your User Account.
  • For help, reply HELP or email support@parallelhealth.io.
  • Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
  • You may also text our Customer Success team. That line responds only to messages you send and does not send unsolicited texts.
  • See our Privacy Policy for how we handle information from text messages.

Ingredients and sensitivities. You are responsible for reviewing the ingredient list of every Product before use and for telling your clinician about any allergies or sensitivities. Your clinician will consider the information you provide when making recommendations.

9. Rules of Conduct

In using the Services and Products, you must not:

  • Contact or try to contact any clinician associated with us outside the Services. This protects patients and clinicians and keeps care consistent and documented.
  • Post or send any material that is threatening, harassing, hateful, defamatory, fraudulent, obscene, or that infringes anyone's intellectual property, privacy, or publicity rights.
  • Upload or transmit any virus, malware, spyware, or other harmful code.
  • Send spam, chain letters, or other unsolicited communications.
  • Use the Website for any commercial purpose or for any fraudulent or unlawful purpose.
  • Create a false identity, impersonate anyone, or misrepresent your affiliation with any person or entity.
  • Collect information about other users.
  • Interfere with or disrupt the Website or its servers or networks, including by hacking or defacing it.
  • Restrict or inhibit anyone else's use of the Website.
  • Copy, modify, distribute, sell, lease, or otherwise exploit any part of the Website except as allowed in these Terms.
  • Reverse engineer, decompile, or disassemble any part of the Website, except where the law prohibits this restriction.
  • Remove any copyright, trademark, or other proprietary notice.
  • Frame or mirror any part of the Website, place pop-up windows over its pages, or otherwise affect how its pages display.
  • Use any robot, spider, scraper, or other automated means to access, index, or collect content from the Website without our written consent.
  • Bypass or defeat any security feature of the Website.

Tell us right away if you find any error or inconsistency in information on the Website.

We may investigate any activity we believe abuses these Terms, the Services, or the Products, including creating multiple accounts. We may cancel orders, shipments, or consultations and suspend or close any User Account involved in abuse, fraud, or misrepresentation. If we suspect fraud, we may delay or withhold Products and Services while we review it.

10. Products

The Website may list goods, services, coupons, discounts, and trials (collectively, "Products"). Products include our non-prescription skincare and cosmeceutical products, such as Blue Biotic™, Skin Barrier Biotic™, Holy Calming Cleanser™, and Custom Active Phage Serums; skin microbiome testing kits; and prescription products prescribed by a clinician and prepared by a licensed compounding pharmacy.

Non-prescription products. Our non-prescription products are cosmetic products. They are not intended to diagnose, treat, cure, or prevent any disease.

Scent and natural variation. Some Products contain essential oils, such as the bergamot oil (FCF, bergapten-free) in Holy Calming Cleanser™. Essential oils are listed in each Product's ingredients and give the Product a natural scent. Other active and botanical ingredients may also have a natural scent, and color, texture, and scent may vary slightly from batch to batch. This variation does not affect product quality and is not a defect.

Availability and descriptions. Product availability, coupons, and discounts may change at any time without notice. Weights, measures, and similar descriptions are approximate. You are responsible for following all laws that apply to your purchase, possession, and use of any Product.

Promos. We may limit trial or promotional offers to new customers or to any group of customers. Any discount, coupon, trial, or other pricing offer ("Promo") is non-transferable, has no cash value, is valid for one-time use, cannot be combined with other offers, and is subject to the terms included with it. Promos may be limited by time, quantity, customer group, or Product type.

11. Transactions, Refunds, and Returns

Payment. When you buy Products or Services (a "Transaction"), you may be asked for payment, billing, and shipping information. You confirm that you have the right to use the payment method you provide. You authorize us to charge it and to share payment information with our payment processors, including Stripe, Inc. and Shopify, Inc., to complete the Transaction. Non-prescription Products bought through Shopify are also subject to Shopify's Terms of Service. If a payment fails or fees are past due, we may charge another payment method on file or use other lawful collection methods. You agree to use Products only in a lawful manner.

Our rights. We may limit quantities of or discontinue any Product, set conditions on any Promo, refuse any Transaction, and decline to provide any Product. An order confirmation email does not mean we have accepted your order. You agree to pay all charges at the prices in effect when they are incurred, including shipping, handling, and applicable taxes.

Refunds, returns, and cancellations. Refunds, returns, and Subscription cancellations are governed by our Refund and Return Policy and Cancellation Policy. Custom Active Phage Serums, custom prescription products, and skin microbiome testing kits are final sale.

Shipping and risk of loss. We ship to the address you give us, subject to our Shipping Policy. Title and risk of loss pass to you when we deliver the Products to the carrier. Damaged, defective, or incorrect items are handled under our Refund and Return Policy.

12. Registration; User Names and Passwords

You may need to create an account ("User Account") to use some or all of the Services. You may have only one User Account, and only one User Account per email address. We may reject or require you to change any user name, password, or other registration information. We may delete or archive incomplete User Accounts.

Your user name and password are for your personal use only. Keep them confidential and tell us promptly about any unauthorized use. You are responsible for all activity in your User Account. Anyone with your password can view your medical information, change your personal information, and communicate with your clinicians. You may change your password from your User Account at any time. If you are under 18, share your login with your parent or legal guardian so they can monitor your care.

13. Submissions and Forums

You may share materials through the Website, including on profile pages, social media, message boards, comments, and chat (each, a "Submission"). Submissions do not include health information, photos, or other information you provide for your care, which is handled under our Privacy Policy and, where it applies, the Notice of Privacy Practices. We are not responsible for any third party's use of Submissions. IF YOU CHOOSE TO MAKE YOUR PERSONAL INFORMATION PUBLIC THROUGH THE WEBSITE, YOU DO SO AT YOUR OWN RISK.

14. License to Submissions and Feedback

You keep ownership of your Submissions. For each Submission, you grant us a worldwide, royalty-free, fully paid, non-exclusive, perpetual, irrevocable, transferable, and sublicensable license to reproduce, distribute, display, perform, adapt, modify, create derivative works of, and otherwise use it in any format or media and for any purpose, including promotional uses such as testimonials.

If you send us ideas, suggestions, or other feedback ("Feedback"), it is treated as a Submission. Feedback is not confidential, you provide it voluntarily, and it creates no obligation for us.

You confirm that you have the rights needed to grant these licenses and that your Submissions are accurate and do not violate any law or anyone's rights. You waive any moral rights you may have in your Submissions to the extent the law allows.

15. Monitoring

We may, but are not required to, monitor, review, store, and remove Submissions and other content sent through the Website, and monitor your use of the Website, for purposes such as security, quality, fraud prevention, and compliance with these Terms. We use and disclose information as described in our Privacy Policy and as permitted by law. Health information is used and disclosed only as permitted by applicable law, including HIPAA where it applies.

16. Your Limited Rights

As long as you follow this Agreement and we permit you to use the Website, you may view one copy of any part of the Website we give you access to, on a single device, for your personal, non-commercial use.

17. Our Proprietary Rights

We and our suppliers own the Website and the software, code, methods, systems, content, and other intellectual property used to operate it ("Website IP"). Website IP includes our trade names, trademarks, and service marks, including Parallel Health, Microbiome Dermatology™, MD-03 Protocol™, Blue Biotic™, Skin Barrier Biotic™, Holy Calming Cleanser™, Metabolic Microbiome Profiling™, Quantitative Microbial Analysis™, and associated logos. You may not use Website IP in connection with any product or service that is not ours, or in any way likely to cause confusion. Except for the limited rights in Section 16, nothing in this Agreement grants you any right to use Website IP.

The Services may give you access to information, products, services, and other materials from third parties, including Submissions ("Third-Party Materials"). We do not control or endorse Third-Party Materials and are not responsible for their accuracy, legality, safety, or other qualities. Availability of Third-Party Materials through the Services does not imply our endorsement or any relationship with their provider. We may block access to Third-Party Materials at any time.

YOUR USE OF THIRD-PARTY MATERIALS IS AT YOUR OWN RISK AND IS SUBJECT TO THE THIRD PARTY'S OWN TERMS AND POLICIES. WE ARE NOT LIABLE FOR YOUR USE OF ANY THIRD-PARTY WEBSITE OR SERVICE.

19. Promotions

Sweepstakes, contests, giveaways, surveys, or similar promotions offered through the Services ("Promotions") may have their own rules. If those rules conflict with this Agreement, the Promotion rules control.

20. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) THE WEBSITE, PRODUCTS, SERVICES, AND THIRD-PARTY MATERIALS ARE PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY; AND (B) WE DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

YOU AGREE THAT YOU OBTAIN INFORMATION, PRODUCTS, AND SERVICES THROUGH THE WEBSITE AT YOUR OWN DISCRETION AND RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. NOTHING IN THIS SECTION LIMITS THE PROFESSIONAL OBLIGATIONS OF LICENSED CLINICIANS UNDER APPLICABLE LAW.

All disclaimers in this Agreement are made for the benefit of Parallel Health and its affiliates, and their shareholders, directors, officers, employees, agents, representatives, licensors, suppliers, and service providers (the "Affiliated Entities"), and their successors and assigns.

We work to keep the Website current, accurate, and secure, but we do not guarantee that it will be complete, error-free, secure, or uninterrupted. If you become aware of any unauthorized change to the Website, email support@parallelhealth.io with a description and its location.

21. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, UNDER ANY THEORY, INCLUDING DAMAGES FOR LOST PROFITS, USE, OR DATA, OR UNAUTHORIZED INTERCEPTION OF SUBMISSIONS, EVEN IF ADVISED OF THEIR POSSIBILITY; (B) WE ARE NOT LIABLE FOR DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE, PRODUCTS, OR THIRD-PARTY MATERIALS, INCLUDING FROM ANY VIRUS; AND (C) OUR TOTAL LIABILITY FOR ALL CLAIMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (1) THE TOTAL AMOUNT, IF ANY, YOU PAID US TO USE THE SERVICES OR (2) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS BENEFIT US AND THE AFFILIATED ENTITIES AND THEIR SUCCESSORS AND ASSIGNS.

Some states do not allow certain warranty disclaimers or limitations of liability. To the extent those laws apply to you, some of the above may not apply, and you may have additional rights. Section 27 addresses New Jersey residents.

22. Indemnity

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Parallel Health, the Affiliated Entities, and their successors and assigns from all claims, liabilities, damages, losses, costs, and fees (including reasonable attorneys' fees) arising from (a) your use of the Website or Services, including your Submissions, or (b) your violation or alleged violation of this Agreement.

23. Termination

This Agreement remains in effect until terminated. You may deactivate your User Account at any time by emailing support@parallelhealth.io. Deactivating your account does not cancel an active Subscription; see Section 4 for how to cancel.

We may end, suspend, or limit your use of the Website or Services at any time, with or without notice, including if we believe you have violated this Agreement or if amounts you owe are past due. When that happens, your right to use the Website ends, and we may deactivate your User Account and its materials without liability, subject to any notice period required by law.

Your medical records will be kept for at least five (5) years, or longer if required by state or federal law. If you are younger than twenty-three (23) when your records could otherwise be destroyed, they will be kept at least until you turn 23, or longer if required by law.

Sections 2, 3, 5 through 8, 10, 11, 13 through 15, and 17 through 30 survive any termination. Termination does not affect either party's other rights or remedies.

24. Dispute Resolution and Arbitration; Governing Law

(a) Generally. To resolve disputes quickly and at low cost, and except as described in Section 24(b), you and Parallel Health agree that every dispute arising from or relating to this Agreement will be resolved by binding arbitration. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow more limited discovery than court, and is subject to very limited court review. Arbitrators can award the same damages and relief as a court. This agreement covers all claims relating to this Agreement, your use of the Services or Products, and our communications with you, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claim arises during or after this Agreement ends. YOU AND PARALLEL HEALTH EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

(b) Exceptions. Nothing in this Agreement prevents either party from (i) bringing an individual action in small claims court; (ii) pursuing enforcement through a federal, state, or local agency where available; (iii) seeking injunctive relief in court in aid of arbitration; or (iv) filing suit in court over an intellectual property infringement claim.

(c) Arbitrator. Arbitration will be governed by the Federal Arbitration Act and administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by this Agreement ("AAA Rules"). The AAA Rules and forms are available at www.adr.org or by calling 1-800-778-7879. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement.

(d) Notice of arbitration; process. A party who intends to seek arbitration must first send the other party written notice of the dispute by certified U.S. mail or FedEx (signature required), or by email only if the other party has not provided a current physical address ("Notice of Arbitration"). Our address for notice is in Section 30. The notice must describe the nature and basis of the claim and the specific relief sought ("Demand"). The parties will make good-faith efforts to resolve the claim directly. If they do not resolve it within 30 days after the notice is received, either party may start arbitration. Arbitration proceedings are confidential unless both parties agree otherwise in writing. Neither party may disclose any settlement offer to the arbitrator until after the final award. If the arbitrator awards you more than our last written settlement offer, we will pay you the greater of the award or $10,000.

(e) Fees. If you start arbitration under this Agreement, we will reimburse your filing fee, unless your claim is for more than $10,000, in which case the AAA Rules govern fees. Any hearing will take place at an agreed location in San Francisco, California. For claims of $10,000 or less, you may choose to have the arbitration decided (i) on documents alone, (ii) by telephone or video hearing, or (iii) by in-person hearing in the county of your billing address under the AAA Rules. If the arbitrator finds your claim or requested relief frivolous or brought for an improper purpose (under Federal Rule of Civil Procedure 11(b)), the AAA Rules govern all fees, and you agree to reimburse us for amounts we paid that the AAA Rules make your responsibility. The arbitrator must issue a reasoned written decision. The arbitrator may rule on payment and reimbursement of fees at any time during the proceeding and on request made within 14 days after the ruling on the merits.

(f) No class actions. YOU AND PARALLEL HEALTH MAY BRING CLAIMS AGAINST EACH OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING. Unless both parties agree, the arbitrator may not consolidate more than one person's claims or preside over any form of class or representative proceeding.

(g) Changes to this section. If we change this Section 24 (other than our notice address), you may reject the change by sending written notice to our notice address within 30 days of the change.

(h) Enforceability. If Section 24(f) or all of this Section 24 is found unenforceable, then all of this Section 24 is void, and the exclusive jurisdiction and venue provision in Section 24(j) will govern any action relating to this Agreement.

(i) Opt-out. You may opt out of arbitration by sending a letter to Parallel Health, Inc. at the address in Section 30 within 30 calendar days after you first agree to these Terms. The letter must include your full legal name, current residential address, the email address associated with your User Account, and a statement that you wish to opt out of arbitration ("Opt-Out Notice"). We must receive it within the 30-day period.

(j) Governing law and venue. This Agreement is governed by the laws of the State of Delaware, without regard to conflict-of-law principles. You and Parallel Health submit to the personal and exclusive jurisdiction of the state and federal courts in San Francisco County, California, for any lawsuit or court proceeding permitted under this Agreement.

25. Information or Complaints

For questions or complaints about the Website, Products, or Services, email support@parallelhealth.io or write to us at the address in Section 30. Email is not always secure, so do not include payment card numbers or other sensitive information. California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Sacramento, CA 95834, or by phone at (916) 445-1254 or (800) 952-5210.

The Digital Millennium Copyright Act ("DMCA") gives copyright owners a way to address material online that they believe infringes their rights under U.S. copyright law. If you believe in good faith that material on the Website infringes your copyright, you or your agent may send us a written notice asking us to remove or block it. If you believe in good faith that a notice was wrongly filed against you, the DMCA lets you send a counter-notice. Notices and counter-notices must meet current statutory requirements (see www.copyright.gov). Send them to our DMCA agent by mail at the address in Section 30, by email at legal@parallelhealth.io, or by phone at 858-859-1188. We suggest consulting a lawyer before sending a notice or counter-notice.

27. Note to New Jersey Consumers

If you live in New Jersey, the following provisions do not apply to you, and do not limit your rights, to the extent they are unenforceable under New Jersey law: (a) the exclusion of indirect, incidental, consequential, special, exemplary, or punitive damages (for example, under the New Jersey Punitive Damages Act, Products Liability Act, Uniform Commercial Code, and Consumer Fraud Act); (b) the limitation on liability for lost profits or loss of data (for example, under the New Jersey Identity Theft Protection Act and Consumer Fraud Act); (c) application of the limitations of liability to damages recoverable under New Jersey law, including the Products Liability Act; (d) the indemnity requirement, to the extent New Jersey law prohibits its scope; and (e) the Delaware governing law provision, to the extent your rights as a New Jersey consumer must be governed by New Jersey law.

28. Export Controls

You are responsible for complying with U.S. export controls and for any violation of them, including U.S. embargoes and other federal rules restricting exports. You confirm that you are not (a) located in, or a resident or national of, any country subject to a U.S. government embargo or designated by the U.S. government as a state sponsor of terrorism, or (b) on any U.S. government list of restricted parties.

29. Miscellaneous

This Agreement does not create any partnership, joint venture, employment, agency, or franchise relationship between you and us. If any provision is found unlawful, void, or unenforceable, it will be severed, and the rest of the Agreement remains in effect. You may not assign or transfer your rights or obligations under this Agreement without our written consent. We may assign or transfer ours without restriction, including in connection with a merger, acquisition, or sale of assets, subject to applicable privacy law. A waiver of any breach is not a waiver of any other breach. Headings are for convenience only. "Including" means "including without limitation." If this Agreement conflicts with any Additional Terms, the Additional Terms control for their subject matter. This Agreement, including the Additional Terms, is the entire agreement between you and us on its subject matter and replaces all prior agreements on that subject. We may give you notice by posting on the Website, by email, or by mail. A printed copy of this Agreement, or of any electronic notice, is admissible in legal proceedings to the same extent as other business records. We are not responsible for any failure or delay in performance caused by events beyond our reasonable control, such as severe weather, power or utility outages, natural disasters, strikes, government action, epidemics, pandemics, terrorism, war, or civil unrest.

30. Notice

Send written notice to: Attn: Legal Department, Parallel Health, Inc., 584 Castro St. #3001, San Francisco, CA 94114.

© 2021–2026 Parallel Health, Inc. All rights reserved.