Terms of Service | Karpa Health

These Terms of Service ("Terms") govern your access to and use of the websites, software, platform, onboarding workflows, administrative tools, operational support, and related services provided by Karpa Health LLC ("Karpa Health," "Karpa," "we," "us," or "our").

By accessing or using our website or services, creating an account, submitting information, signing an order form, using our platform, or otherwise engaging with Karpa Health, you agree to these Terms.

If you do not agree to these Terms, you may not access or use the services.

1. Overview of Karpa Health

Karpa Health provides telehealth infrastructure, software, operational support, intake technology, provider coordination workflows, pharmacy partner workflow coordination, payment workflow support, website and brand implementation, and related business services for cash-pay telehealth and wellness programs.

Karpa Health is not a healthcare provider, pharmacy, manufacturer, compounding pharmacy, or medical practice.

Karpa Health does not provide medical services, practice medicine, prescribe medications, dispense medications, compound medications, manufacture medications, or ship medications.

Clinical services, medical consultations, treatment decisions, prescriptions, and patient care decisions are made solely by independent licensed healthcare providers. Pharmacy services, where applicable, are provided by independent licensed pharmacy partners.

2. Eligibility and Approved Use

Our services may be made available to approved customers, including healthcare organizations, clinics, wellness businesses, brand operators, gyms, creators, entrepreneurs, and other business partners, depending on the applicable program structure.

We may approve, reject, suspend, or terminate access to our services at our discretion, including where we believe a proposed use may create legal, regulatory, payment processor, reputational, operational, or compliance risk.

You may use the services only for lawful business purposes and only in accordance with these Terms, applicable agreements, applicable law, and any requirements provided by Karpa Health, providers, pharmacy partners, vendors, payment processors, or other third parties involved in the program.

3. No Medical Services or Medical Advice

Karpa Health does not provide medical advice, diagnosis, treatment, prescriptions, or clinical decision-making.

Any health-related information, website content, educational material, platform workflows, intake forms, administrative support, or operational guidance provided by Karpa Health is for administrative, operational, informational, or technology-support purposes only.

Only licensed healthcare providers may evaluate patients, determine clinical eligibility, provide medical consultations, issue prescriptions, approve treatment plans, or make clinical decisions.

You may not represent that Karpa Health is providing medical care, guaranteeing treatment, guaranteeing prescriptions, guaranteeing medication availability, or making clinical determinations.

4. Provider and Pharmacy Relationships

Karpa Health may support workflows involving independent licensed healthcare providers and independent licensed pharmacy partners.

Providers and pharmacy partners are independent third parties. They are not employees of Karpa Health unless expressly stated in a separate written agreement.

Karpa Health does not control or override clinical judgment, prescribing decisions, provider-patient relationships, pharmacy review, dispensing decisions, medication availability, shipping timelines, or pharmacy compliance obligations.

All prescriptions, where applicable, must be based on provider review, patient eligibility, applicable law, and pharmacy partner acceptance.

Medication availability may vary by provider, pharmacy, state, patient eligibility, supply availability, regulatory requirements, and other factors.

5. Customer Responsibilities

You are responsible for all business activities conducted by or under your brand, including:

Marketing and advertising
Lead generation
Offer positioning
Website claims and promotional materials
Customer communications
Sales and onboarding communications
Pricing decisions
Business operations
Customer support responsibilities assigned to you
Compliance with applicable laws and regulations
Compliance with payment processor requirements
Compliance with advertising platform rules
Compliance with consumer protection laws
Compliance with telemarketing, SMS, and email marketing rules
Ensuring that your use of the services does not mislead patients, customers, providers, pharmacies, regulators, payment processors, or the public

You may not make claims that are false, misleading, deceptive, unsupported, or inconsistent with applicable law, provider requirements, pharmacy requirements, payment processor rules, or Karpa Health's instructions.

You are responsible for obtaining any business licenses, permits, registrations, insurance, approvals, or professional support required for your business activities.

6. No Business Opportunity or Earnings Guarantee

Karpa Health does not sell a franchise, business opportunity, get-rich-quick program, income system, investment opportunity, or guaranteed revenue model.

We do not guarantee revenue, profit, patient volume, lead volume, advertising performance, return on investment, business success, or any specific financial outcome.

Any examples, projections, testimonials, case studies, revenue discussions, performance examples, or business models shared by Karpa Health are illustrative only and should not be interpreted as typical, expected, promised, or guaranteed results.

Starting and operating any business involves risk. You may lose some or all of your investment. Results depend on many factors, including your execution, marketing strategy, advertising performance, capital allocation, operational management, market conditions, regulatory requirements, competition, patient demand, and third-party platform performance.

7. Account Registration and Access

You may be required to create an account or provide information to access certain services.

You agree to provide accurate, complete, and current information and to promptly update information as needed.

You are responsible for maintaining the confidentiality of login credentials and for all activity occurring under your account.

You may not share account credentials with unauthorized users or allow unauthorized access to the services.

You must immediately notify Karpa Health of any suspected unauthorized access, security incident, or misuse of your account.

8. Fees, Payments, and Billing

Fees for the services may include setup fees, platform fees, subscription fees, implementation fees, usage fees, support fees, transaction-related fees, or other charges described in an order form, invoice, checkout page, agreement, or other written communication.

You agree to pay all applicable fees when due.

Unless otherwise stated in writing, fees are non-refundable.

Karpa Health may use third-party payment processors to collect payments. Payment processing is subject to the applicable processor's terms, conditions, underwriting requirements, restrictions, and approval.

Karpa Health does not guarantee that any payment processor will approve, continue supporting, or process transactions for your business or program.

Payment workflows may vary based on program structure, processor approval, applicable law, provider requirements, pharmacy requirements, and third-party rules.

You may not use Karpa Health services or payment workflows to process unsupported, prohibited, misleading, unlawful, or unauthorized transactions.

9. Subscription Terms and Cancellation

If you purchase a subscription, your subscription will continue for the period stated in your order form, invoice, checkout page, or written agreement.

Unless otherwise stated in writing, subscriptions may automatically renew until canceled.

You are responsible for canceling any subscription in accordance with the applicable cancellation process.

Cancellation does not relieve you of any fees already due or incurred.

Karpa Health may suspend or terminate services for non-payment.

10. Implementation, Launch Timelines, and Dependencies

Karpa Health may assist with website setup, intake configuration, payment workflow setup, provider coordination workflows, pharmacy partner workflow coordination, and other implementation services.

Any launch timeline, setup timeline, or implementation estimate is an estimate only and may depend on factors outside Karpa Health's control, including:

Customer responsiveness
Customer-provided content
Branding materials
Provider availability
Pharmacy partner availability
Payment processor approval
Compliance review
Technical dependencies
Third-party platform performance
Regulatory or operational requirements

Karpa Health does not guarantee a specific launch date unless expressly agreed in writing.

11. Acceptable Use

You agree not to use the services to:

Violate any law, regulation, rule, professional requirement, or third-party right
Make false, misleading, deceptive, or unsupported medical, health, financial, or business claims
Promote guaranteed prescriptions, guaranteed treatment, guaranteed medication access, guaranteed results, or guaranteed business outcomes
Represent that Karpa Health provides medical care, prescriptions, pharmacy services, or medication fulfillment
Bypass or interfere with provider review, clinical decision-making, pharmacy review, compliance workflows, or patient eligibility requirements
Sell, market, or promote research-use-only products for human or animal consumption
Market products as FDA-approved, legal, compounded, prescribed, or available when such claims are false, misleading, unsupported, or not approved by Karpa Health
Use the services for controlled substances unless expressly approved in writing by Karpa Health and all applicable providers, pharmacies, and third-party partners
Use the services for unlawful, unsafe, unsupported, or prohibited products or services
Upload malicious code, interfere with platform security, or attempt unauthorized access
Scrape, copy, reverse engineer, or misuse the platform
Misrepresent your identity, business, authority, licenses, or relationship with Karpa Health
Use the services in a way that could harm Karpa Health, providers, pharmacy partners, vendors, patients, customers, or third parties
Violate payment processor rules, advertising platform rules, email marketing laws, SMS laws, consumer protection laws, healthcare laws, privacy laws, or data security requirements

Karpa Health may suspend or terminate access if we believe your use creates legal, regulatory, reputational, payment, operational, clinical, security, or compliance risk.

12. Marketing, Advertising, and Public Claims

You are solely responsible for your marketing, advertising, sales materials, claims, offers, promotions, funnels, landing pages, social media content, email campaigns, SMS campaigns, calls, and customer communications.

You may not imply that:

Prescriptions are guaranteed
A patient will qualify for treatment
A specific medication will be available
A provider will prescribe a particular medication
A pharmacy will dispense a particular medication
Karpa Health provides medical care
Karpa Health guarantees business results
Your program is endorsed by any third party unless you have written authorization

Karpa Health may require you to remove or modify marketing materials that we believe create risk or violate these Terms.

13. Healthcare and Regulatory Compliance

You are responsible for ensuring that your use of the services complies with all applicable laws and regulations, including laws relating to healthcare, telehealth, corporate practice of medicine, advertising, consumer protection, privacy, data security, payment processing, tax, email marketing, SMS marketing, and business operations.

Karpa Health may provide operational workflows, templates, technology, or general support, but such support does not constitute legal, medical, regulatory, tax, accounting, or compliance advice.

You should consult qualified legal, medical, regulatory, tax, or professional advisors regarding your specific business model and obligations.

14. HIPAA, PHI, and Data Protection

Karpa Health may process protected health information ("PHI") when acting as a business associate or subcontractor business associate under an applicable Business Associate Agreement.

Where required, the parties will enter into a Business Associate Agreement governing the use, disclosure, and safeguarding of PHI.

To the extent there is a conflict between these Terms and an applicable Business Associate Agreement with respect to PHI, the Business Associate Agreement will control.

You agree not to submit PHI to Karpa Health except through designated secure workflows intended for that purpose or as otherwise authorized in writing.

You are responsible for ensuring that your users, staff, vendors, and systems use the services in a manner consistent with HIPAA, applicable privacy laws, security requirements, and any applicable Business Associate Agreement.

15. Privacy

Our collection, use, and disclosure of information is described in our Privacy Policy.

By using the services, you acknowledge that you have reviewed our Privacy Policy.

You are responsible for providing any required privacy notices, consents, authorizations, or disclosures to your own customers, patients, leads, staff, and users as required by applicable law.

16. Third-Party Services

The services may integrate with or depend on third-party services, including providers, pharmacy partners, payment processors, hosting providers, communication platforms, analytics tools, advertising platforms, scheduling tools, CRM systems, identity verification tools, and other vendors.

Karpa Health is not responsible for third-party services, delays, outages, errors, pricing changes, approval decisions, denials, restrictions, policies, terms, privacy practices, or performance.

Your use of third-party services may be subject to separate terms, fees, approvals, restrictions, and privacy policies.

Karpa Health does not guarantee that any third-party service will remain available, compatible, approved, or unchanged.

17. Intellectual Property

Karpa Health and its licensors own all rights, title, and interest in the services, platform, software, workflows, templates, documentation, designs, content, branding, technology, processes, and intellectual property provided by Karpa Health, except for customer materials that you provide.

Subject to your compliance with these Terms and payment of applicable fees, Karpa Health grants you a limited, non-exclusive, non-transferable, revocable right to access and use the services for your approved business purposes.

You may not copy, reproduce, distribute, resell, sublicense, modify, reverse engineer, decompile, create derivative works from, or exploit any part of the services except as expressly authorized in writing.

18. Customer Materials

You retain ownership of materials you provide to Karpa Health, such as logos, brand assets, copy, images, business information, customer lists, and other content ("Customer Materials").

You grant Karpa Health a limited right to use Customer Materials as necessary to provide, configure, support, improve, and operate the services.

You represent and warrant that you have all rights necessary to provide Customer Materials to Karpa Health and that Customer Materials do not infringe or violate any third-party rights or applicable laws.

Karpa Health may remove or refuse to use Customer Materials that we believe are unlawful, misleading, infringing, inappropriate, or risky.

19. Feedback

If you provide feedback, suggestions, ideas, feature requests, or recommendations, you grant Karpa Health the right to use them without restriction or compensation.

20. Confidentiality

You may receive non-public information from Karpa Health, including pricing, business processes, workflows, technical information, partner information, implementation materials, and other confidential information.

You agree to protect Karpa Health's confidential information and not disclose it to third parties except as authorized in writing or required by law.

Confidential information does not include information that is publicly available, already known without obligation of confidentiality, independently developed, or lawfully received from another source.

21. AI and Automation Features

Karpa Health may use artificial intelligence, automation, or software-assisted workflows to support administrative, operational, documentation, intake, routing, summarization, or review processes.

AI and automation outputs are not medical advice, diagnosis, treatment recommendations, prescriptions, or substitutes for provider judgment.

Licensed providers remain solely responsible for clinical review, treatment decisions, prescriptions, and patient care.

You are responsible for reviewing outputs before relying on them for business, operational, or customer-facing purposes.

22. Suspension and Termination

Karpa Health may suspend or terminate your access to the services at any time if:

You violate these Terms
You fail to pay fees when due
Your use creates legal, regulatory, payment processor, security, reputational, operational, clinical, or compliance risk
A provider, pharmacy, vendor, payment processor, or third-party partner restricts or discontinues support
We are required to do so by law, regulation, court order, government request, or third-party requirement
We discontinue or materially change the services

Upon termination, your right to access the services will cease.

Termination does not relieve you of payment obligations incurred before termination.

Sections that by their nature should survive termination will survive, including payment obligations, intellectual property, confidentiality, disclaimers, limitation of liability, indemnification, and dispute resolution.

23. Disclaimers

The services are provided "as is" and "as available."

To the fullest extent permitted by law, Karpa Health disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, reliability, security, compliance, and uninterrupted operation.

Karpa Health does not warrant that:

The services will meet your requirements
The services will be uninterrupted, secure, error-free, or available at all times
Any provider, pharmacy, payment processor, vendor, advertising platform, or third party will approve or support your program
Any patient will qualify for treatment
Any provider will prescribe a medication
Any pharmacy will dispense a medication
Any medication will be available
Any payment processor will approve or continue processing transactions
Your business will generate revenue, profit, patients, leads, or return on investment

24. Limitation of Liability

To the fullest extent permitted by law, Karpa Health and its owners, officers, employees, contractors, agents, partners, vendors, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages, including loss of revenue, loss of business, loss of goodwill, loss of data, business interruption, advertising losses, payment processor restrictions, regulatory issues, provider decisions, pharmacy decisions, or third-party service failures.

To the fullest extent permitted by law, Karpa Health's total liability for any claim arising out of or relating to the services or these Terms will not exceed the amount you paid to Karpa Health for the services giving rise to the claim during the three months before the event giving rise to liability.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

25. Indemnification

You agree to defend, indemnify, and hold harmless Karpa Health and its owners, officers, employees, contractors, agents, partners, vendors, and affiliates from and against any claims, damages, liabilities, losses, costs, expenses, fines, penalties, investigations, demands, and fees, including reasonable attorneys' fees, arising out of or relating to:

Your use or misuse of the services
Your business operations
Your marketing, advertising, sales, or customer communications
Your website, funnels, offers, or public claims
Your violation of these Terms
Your violation of applicable law or third-party rights
Your failure to obtain required licenses, approvals, notices, consents, or authorizations
Your payment processing activities
Your customer, patient, lead, or user communications
Your Customer Materials
Your negligence, fraud, willful misconduct, or misrepresentation
Claims by your customers, patients, users, vendors, employees, contractors, or business partners
Any representation that Karpa Health provides medical care, prescriptions, pharmacy services, medication fulfillment, guaranteed business results, or guaranteed patient outcomes

Karpa Health reserves the right to control the defense of any matter subject to indemnification, and you agree to cooperate with our defense.

26. Taxes

You are responsible for any taxes, duties, assessments, or governmental charges associated with your purchases, business operations, transactions, or use of the services, except for taxes based on Karpa Health's net income.

27. Changes to Services

Karpa Health may modify, suspend, discontinue, replace, or limit any part of the services at any time.

We may add, remove, or change features, workflows, providers, pharmacy partners, vendors, integrations, payment options, supported programs, or operational processes.

We are not liable for changes to or discontinuation of any service feature, third-party partner, medication category, provider workflow, pharmacy workflow, or payment option.

28. Changes to These Terms

We may update these Terms from time to time.

When we update these Terms, we will update the "Last Updated" date above. We may provide additional notice where required by law or where we determine the changes are material.

Your continued use of the services after updated Terms are posted or provided means you accept the updated Terms.

29. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

30. Dispute Resolution

Before filing any legal claim, you agree to first contact Karpa Health at [email protected] and attempt to resolve the dispute informally.

If the dispute cannot be resolved informally, the parties agree that any legal action will be brought exclusively in the state or federal courts located in Florida, unless otherwise required by applicable law.

You consent to the personal jurisdiction and venue of those courts.

31. Force Majeure

Karpa Health will not be liable for any delay or failure to perform resulting from events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, internet or hosting failures, cyberattacks, government actions, regulatory changes, provider or pharmacy disruptions, payment processor restrictions, supply chain issues, third-party service failures, or other events outside our control.

32. Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent.

Karpa Health may assign these Terms in connection with a merger, acquisition, reorganization, financing, sale of assets, corporate transaction, or by operation of law.

33. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

34. No Waiver

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision or any other provision later.

35. Entire Agreement

These Terms, together with any applicable order form, invoice, checkout terms, Business Associate Agreement, Privacy Policy, or written agreement between you and Karpa Health, constitute the entire agreement between you and Karpa Health regarding the services.

If there is a conflict between these Terms and a signed written agreement, the signed written agreement will control for that specific conflict.

36. Contact

If you have questions about these Terms, contact us at:

Karpa Health LLC
Email: [email protected]
Website: https://karpahealth.com