Terms & Conditions

Effective date: 7 August 2026  ·  Last updated: 7 August 2026

1. Agreement to these terms

These Terms & Conditions ("Terms") form a binding agreement between you and OnlineCare AI governing your use of our mobile application, website and related services (the "Services"). By creating an account, downloading the app or otherwise using the Services, you accept these Terms. If you do not accept them, do not use the Services.

These Terms incorporate our Privacy Policy, Medical Disclaimer, Terms of Use and, where you book a consultation, our Telehealth Informed Consent.

2. Eligibility

• You must be at least 18 years old to create an account.
• If you are 13–17, you may use the Services only through an account created and supervised by your parent or legal guardian, who accepts these Terms on your behalf and is responsible for your use.
• The Services are not available to anyone under 13.
• You must not use the Services if you are barred from doing so under applicable law, or if your account has previously been terminated for a breach of these Terms.
• Clinician consultations, prescriptions and certified documentation are available only where permitted by the law of your state or country, and may carry additional requirements shown before use.

3. What the Services are

The Services provide educational health information and practical tools, including an AI health companion (voice and text), a guided symptom checker, mental-health check-ins and screening questionnaires, a digital health wallet, personal health and wearable tracking, information about over-the-counter products, a pharmacy locator, time-off note generation and — where available — access to independently licensed clinicians.

We may add, change, suspend or discontinue any feature at any time. Where a change materially reduces a paid feature you have purchased, we will give you notice and, where required, a refund of the unused portion.

4. The AI Services are not medical advice

Guidance produced by our AI features is educational information. It is not medical advice, a diagnosis, a treatment plan or a prescription, and it does not create a doctor–patient relationship between you and OnlineCare AI.

• AI output can be incomplete, outdated or wrong. It depends entirely on the accuracy and completeness of what you tell it, and it cannot examine you, order tests or observe you over time.
• Screening scores from mental-health questionnaires are indicators, not diagnoses.
• You remain solely responsible for your own health decisions.
• Never disregard or delay professional medical advice because of something the Services told you.

The full Medical Disclaimer forms part of these Terms.

5. Emergencies

The Services are not an emergency service. They do not monitor your input in real time and cannot dispatch help. If you are experiencing chest pain, difficulty breathing, severe bleeding, sudden confusion, thoughts of harming yourself, or any other condition you believe to be urgent:

• In the United States, call 911, or go to the nearest emergency department.
• For a mental-health crisis in the United States, call or text 988 (Suicide & Crisis Lifeline).
• Outside the United States, contact your local emergency number.

6. Your account

• Provide accurate, current information and keep it up to date — the quality of the guidance depends on it.
• Keep your credentials confidential. You are responsible for all activity under your account, including profiles you create for dependants.
• Tell us promptly at support@onlinecareai.com if you suspect unauthorised access.
• One account per person. Do not share an account with anyone else — mixed health records are unsafe.
• You may sign in with Apple, Google or an email and password. Using a third-party sign-in also subjects you to that provider's terms.

7. Acceptable use

You agree not to:

• Use the Services to obtain medication, documentation or a consultation by deception
• Impersonate another person, or misrepresent your relationship to anyone whose profile you manage
• Reverse engineer, decompile, scrape, or attempt to derive the source code or models
• Use bots or automated tools, or attempt to bypass rate limits or safety systems
• Attempt to circumvent, disable or interfere with security features or crisis-detection logic
• Upload unlawful content, malware, or material that infringes anyone's rights
• Use the Services to harass, threaten, defame or harm anyone
• Use the Services to provide healthcare to others, or hold yourself out as doing so
• Resell, sublicense or commercially exploit the Services without our written agreement
• Violate any applicable local, state, federal or international law

We may suspend or terminate access for a breach of this section, and where a breach creates a safety risk we may do so immediately and without notice.

8. Your content

You retain ownership of everything you submit — conversations, documents, assessment answers and health data. You grant us a limited, non-exclusive, worldwide, royalty-free licence to host, store, process, transmit and display that content solely to operate the Services for you and as described in the Privacy Policy. That licence ends when you delete the content or your account, subject to the retention periods in the Privacy Policy.

You confirm you have the right to submit what you upload, and that uploading it does not violate anyone else's privacy or intellectual property rights.

9. Clinician consultations

Consultations are provided by independently licensed clinicians, not by OnlineCare AI. We provide the technology platform, scheduling and payment processing.

• The clinical relationship, including any diagnosis, prescription or referral, is between you and that clinician, and is governed by their professional obligations and the law of the state in which they are licensed.
• We verify licensure before a clinician joins the platform, but we do not direct clinical judgement and we are not responsible for the clinical care provided.
• A clinician may decline to prescribe, or may direct you to in-person care, at their sole discretion. Controlled substances are subject to federal and state restrictions and are generally not prescribed through the platform.
• Telehealth is not suitable for every condition, and never for emergencies.
• Before your first consultation you will be asked to review and accept the Telehealth Informed Consent.

10. Medication information

Information about over-the-counter products is reference material only. It is not a prescription, not a dosage instruction and not a recommendation to take anything. Always read the product label, and consult a pharmacist or clinician if you are pregnant, breastfeeding, treating a child, managing a chronic condition or taking other medication.

We do not sell, dispense or ship medication. Where you complete a purchase with a partner retailer, that transaction is a contract between you and the retailer and is governed by their terms. Where a partner link is used, that is disclosed on the screen where it appears. Retailer relationships never affect the order or content of the options shown to you.

11. Time-off notes and documentation

A self-reported time-off note records what you told the Services on particular dates. It is not a clinician-certified medical certificate and carries no clinical opinion. Whether an employer, school, university or insurer accepts one is entirely a matter for that organisation and your local law. Certified documentation is issued only by a licensed clinician following an assessment, and only where permitted by law.

Generating a note containing information you know to be false, or using one to obtain a benefit dishonestly, is a serious breach of these Terms and may be unlawful.

12. Health wallet

The health wallet is a convenience feature for storing and sharing your own documents. It is not a system of record and must not be your only copy of anything important. You are responsible for the accuracy of what you upload and for verifying the identity of anyone you share with. Sharing links expire and can be revoked, but we cannot retrieve information once a recipient has viewed or saved it.

13. Third-party services

The Services integrate with third parties including Apple Health, Google Health Connect, supported wearables, iCloud and Google Drive (for backups you enable), mapping providers, AI model providers, payment processors and pharmacy retailers. We are not responsible for the availability, accuracy, security practices or terms of any third party. Your use of those services is subject to their own terms and privacy policies.

14. Fees, subscriptions and refunds

• The app is free to download and the core features are free to use.
• Paid services — clinician consultations, certified documentation and certain delivery options — display the full price before you confirm.
• Any recurring plan is presented with its price, billing period and cancellation method before you agree, in line with applicable automatic-renewal laws. You may cancel at any time from your account settings or through your App Store or Google Play subscription settings; cancellation takes effect at the end of the current billing period.
• Purchases made through Apple or Google are also governed by their terms, and refunds for those purchases are handled under their policies.
• A consultation fee covers the clinician's time. It is not refundable once the consultation has taken place, including where the outcome is not what you hoped for, except as required by law. Cancellations before the published cut-off are free of charge.
• Nothing in this section affects your non-waivable statutory consumer rights.

15. Intellectual property

The Services — including software, models, content, design, text, graphics, logos and trade marks — are owned by OnlineCare AI or its licensors and are protected by intellectual property law. We grant you a personal, limited, revocable, non-transferable, non-sublicensable licence to use the Services for your own health purposes.

You may not copy, modify, distribute, sell, lease or create derivative works from any part of the Services, use our trade marks without written permission, or use AI output as a substitute for a professional service you offer to others.

16. Disclaimer of warranties

To the fullest extent permitted by law, the Services are provided "as is" and "as available" without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted availability.

We do not warrant that the Services will be error-free, secure or uninterrupted, or that any guidance will be accurate, complete or suitable for your circumstances.

Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

17. Limitation of liability

To the fullest extent permitted by law, OnlineCare AI and its officers, employees and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, data, goodwill or other intangible losses, arising out of or relating to the Services, whether based in contract, tort, strict liability or otherwise, even if we have been advised of the possibility of such damages.

Our total aggregate liability arising out of or relating to the Services in any twelve-month period will not exceed the greater of (a) the total amount you paid us in that period, or (b) one hundred US dollars (US$100).

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, or for anything else that cannot lawfully be excluded or limited. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

This section does not limit the liability of an independent clinician for the clinical care they provide.

18. Indemnification

You agree to indemnify and hold harmless OnlineCare AI and its officers, employees and suppliers from any claim, demand, loss or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, your violation of any law, or your infringement of any third party's rights.

19. Suspension and termination

You may close your account at any time from your settings. Account deletion is permanent and irreversible; personal data is removed from live systems within 30 days and from backups within 90, subject to the retention exceptions in the Privacy Policy (notably consultation records).

We may suspend or terminate your access if you breach these Terms, if required by law, or if continuing would create a safety or security risk. Where practical we will give you notice and an opportunity to export your data. Sections 8, 15, 16, 17, 18, 20 and 21 survive termination.

20. Disputes, arbitration and class action waiver

Please read this section carefully — it affects how disputes between us are resolved.

20.1 Informal resolution first. Before starting formal proceedings, you agree to contact us at legal@onlinecareai.com with a written description of the dispute and the relief you seek, and to give us 60 days to resolve it informally. Most issues are resolved this way.

20.2 Binding arbitration. If we cannot resolve the dispute informally, you and OnlineCare AI agree that any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by a recognised arbitration provider under its consumer rules, rather than in court, except as set out below. The arbitration will take place in the county where you reside, or by video at your election.

20.3 Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or stop unauthorised access. Nothing here prevents you from reporting a matter to a government agency.

20.4 Class action waiver. You and OnlineCare AI agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies.

20.5 Your right to opt out. You may opt out of arbitration and the class action waiver by emailing legal@onlinecareai.com with your name, account email and a clear statement that you opt out, within 30 days of first accepting these Terms. Opting out will not affect any other part of your relationship with us.

21. Governing law

These Terms are governed by the laws of the State of [state to be inserted], United States, without regard to conflict-of-law rules, and by applicable federal law. Where arbitration does not apply, the state and federal courts located in [county and state to be inserted] have exclusive jurisdiction.

Mandatory consumer protections available to you under the law of your state or country of residence continue to apply and are not displaced by this section.

22. General

• Entire agreement. These Terms and the documents they incorporate are the entire agreement between us about the Services.
• Severability. If a provision is found unenforceable, the rest remains in full force.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition or sale of assets.
• Changes. We may update these Terms. Material changes will be notified in the app or by email before they take effect, and the date at the top will be updated. Continuing to use the Services after that means you accept the change.
• Force majeure. Neither party is liable for failure to perform caused by events beyond its reasonable control.
• Apple and Google. If you downloaded the app from the App Store or Google Play, that store is not a party to these Terms and has no obligation to provide support or maintenance. Apple and its subsidiaries are third-party beneficiaries of these Terms as between you and us, and may enforce them.

23. Contact

Questions about these Terms: legal@onlinecareai.com
General support: support@onlinecareai.com — we respond within 24–48 hours
Privacy requests: privacy@onlinecareai.com

OnlineCare AI, [registered company name and mailing address to be inserted].

Questions about this document? Email legal@onlinecareai.com. For privacy requests use privacy@onlinecareai.com. For anything urgent about your health, contact a licensed clinician or your local emergency number.