Terms of Service

MEDICAL EMERGENCY: IF YOU ARE EXPERIENCING A MEDICAL EMERGENCY, CALL 911 OR GO TO YOUR NEAREST EMERGENCY ROOM IMMEDIATELY. THE PLATFORM SERVICES ARE NOT DESIGNED FOR EMERGENCY OR URGENT CARE SITUATIONS. RENEU'S PLATFORM AND ANY TELEHEALTH SERVICES PROVIDED BY INDEPENDENT HEALTHCARE PROVIDERS ARE NOT SUBSTITUTES FOR EMERGENCY MEDICAL CARE.

DISPUTE RESOLUTION: UNLESS YOU TIMELY OPT-OUT OF ARBITRATION IN ACCORDANCE WITH THESE TERMS, YOU AND RENEU AGREE THAT ALL DISPUTES BETWEEN YOU AND RENEU ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM SERVICES, WITH LIMITED EXCEPTIONS, WILL BE RESOLVED BY BINDING AND FINAL ARBITRATION. YOU AND RENEU WAIVE ALL RIGHTS TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION, AS SET FORTH IN SECTION 8. YOU MAY OPT OUT OF ARBITRATION WITHIN THIRTY (30) DAYS OF ENROLLMENT AS DESCRIBED IN SECTION 8.10.

SCOPE OF THESE TERMS

THESE TERMS GOVERN ONLY YOUR USE OF RENEU'S PLATFORM SERVICES (technology platform, care coordination, and wellness resources).

CLINICAL SERVICES: If you choose to receive medical services from a healthcare provider who uses our platform, you will enter into a separate Clinical Services Agreement directly with that provider. Clinical services are NOT governed by these Terms and are NOT included in your Platform Services subscription.

COACHING SERVICES: If you choose to receive wellness coaching services from a practitioner who uses our platform, you will enter into a separate Coaching Services Agreement directly with that practitioner. Coaching services are NOT governed by these Terms and are NOT included in your Platform Services subscription.

This separation is important: Reneu provides technology and coordination services, not medical care or wellness coaching. Healthcare providers make all clinical decisions independently. Wellness coaches provide coaching services independently. Each maintains a separate professional relationship with you.

INTRODUCTION

These Terms of Service ("Terms") govern your (the "Member" or "you") use of the non-clinical administrative, technology, and wellness platform services provided by Reneu Wellness Club LLC ("Reneu," "we," "our," or "us"). Reneu operates as a Management Services Organization and provides an integrated wellness technology platform. Reneu does not provide medical services or wellness coaching. All clinical care is delivered by independently licensed healthcare professionals ("Providers") through their own professional medical practices. All wellness coaching is delivered by independently certified wellness practitioners ("Coaches") through their own professional coaching practices.

By enrolling in a Platform Services subscription or otherwise using Reneu's services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms referenced herein.

1. DEFINITIONS

1.1. "Platform Services" means the integrated technology platform and wellness resources provided by Reneu directly to Members, including but not limited to: (a) access to our secure member portal and mobile application; (b) telehealth technology infrastructure for Provider consultations; (c) appointment scheduling and reminders; (d) health tracking and monitoring tools; (e) educational content and wellness resources; (f) AI-Powered Health Insights; (g) wearable device integrations; (h) nutrition and lifestyle tracking; (i) administrative care coordination; (j) pharmacy coordination and fulfillment logistics; (k) laboratory testing coordination; (l) coordination of wellness coaching services (when separately contracted); and (m) customer support.

1.2. "Administrative Care Coordination" means non-clinical logistics such as appointment scheduling, prescription transmission, fulfillment tracking, and member notifications, and expressly excludes any clinical decision-making, treatment planning, or medical advice. Reneu does not interpret, modify, prioritize, or exercise discretion regarding prescription orders. Platform Services exist independently of Medical Services (as defined in Section 1.5) and Coaching Services (as defined in Section 1.4) and may be utilized by Members regardless of whether they receive Medical Services or Coaching Services through Reneu-affiliated Providers or Coaches.

1.3. "AI-Powered Health Insights" means automated analysis, recommendations, and informational content generated by artificial intelligence and machine learning systems integrated into the Platform. AI-Powered Health Insights are educational and informational only, are not diagnostic or prescriptive, do not constitute medical advice, and should not replace consultation with a licensed healthcare Provider. AI systems have inherent limitations and may not identify all conditions, risks, or relevant factors.

1.4. "Coaching Services" means non-clinical coaching services provided by certified wellness practitioners ("Coaches") to support Members in achieving their personal health and wellness goals. Coaching Services are provided directly by Coaches pursuant to separate Coaching Services Agreements and are not part of Platform Services. Coaching Services may include goal-setting, accountability, lifestyle modification support, habit formation, stress management techniques, and general wellness education. Coaching Services are not medical advice, therapy, or treatment, and do not replace the services of licensed healthcare providers or mental health professionals. Coaches are required to refer Members to licensed Providers for any concerns that touch on medical conditions.

1.5. "Medical Services" means all patient care, prescribing, diagnosis, treatment, and clinical decision-making provided exclusively by licensed Providers. Medical Services are provided directly by Providers pursuant to separate Clinical Services Agreements and are not part of Platform Services. Reneu does not provide Medical Services.

1.6. "Platform" means one or more Internet-based electronic mechanisms provided by Reneu through which it provides the Platform Services.

1.7. "Provider" means an independently licensed healthcare professional who has contracted with Reneu to utilize the Platform Services infrastructure for delivering Medical Services to their patients. Providers are not employees or agents of Reneu and maintain independent professional practices.

1.8. "Coach" means an independently certified wellness practitioner who has contracted with Reneu to utilize the Platform Services infrastructure for delivering Coaching Services to their clients. Coaches are not employees or agents of Reneu and maintain independent professional practices.

1.9. "Designated Pharmacy" means a licensed compounding pharmacy that has partnered with Reneu to provide prescription fulfillment services. All medications are dispensed by the pharmacy, not Reneu. You agree and understand that your prescription(s) may be filled by and transferred between any of the Designated Pharmacies, and you agree that the Platform may coordinate such transfers on your behalf.

1.10. "Designated Laboratory" means a licensed clinical laboratory that has partnered with Reneu to provide laboratory testing services coordinated through the Platform.

1.11. "Testing Services" means laboratory testing services accessible through the Platform, including but not limited to blood panels, hormone testing, metabolic markers, and other wellness-related diagnostic testing. Testing Services may be obtained for wellness monitoring purposes without a Provider order, or may be ordered by a Provider as part of Medical Services.

2. UNDERSTANDING THE SERVICE RELATIONSHIPS

2.1. Reneu's Role. Reneu provides an integrated wellness technology platform and administrative coordination services. We are NOT a licensed healthcare provider and do NOT diagnose, treat, prescribe, or manage medical conditions. We are NOT wellness coaches and do NOT provide coaching services. Our role is limited to providing the Platform Services as defined herein. By using the Platform, you are establishing a direct customer relationship with Reneu to use the Platform Services, including the purchase of any non-prescription products, laboratory testing, or non-medical services sold directly to you by Reneu. Platform Services fees paid to Reneu are solely for technology, coordination, and wellness resources. Platform fees do not include, and are not calculated based on, any clinical services, coaching services, prescription medications, or medical treatments you may receive from Providers or Coaches.

2.2. Provider's Role. If you choose to receive Medical Services through a Reneu-affiliated Provider, all clinical decisions—including diagnoses, treatment plans, prescriptions, and medication management—are the sole responsibility of that Provider. Providers exercise independent medical judgment and are not directed or controlled by Reneu in any clinical matter. Your relationship with your Provider is separate from your Platform Services subscription with Reneu. By using the Platform to access Medical Services, you are entering into a doctor-patient or other healthcare provider-patient relationship with one or more Providers governed by a separate Clinical Services Agreement. You acknowledge that Reneu does not control or interfere with the practice of medicine by any Provider. Fees for Medical Services are paid directly to your Provider and are not included in your Platform Services subscription.

2.3. Coach's Role. If you choose to receive Coaching Services through a Reneu-affiliated Coach, all coaching decisions—including goal-setting, program design, and coaching methodologies—are the sole responsibility of that Coach. Coaches exercise independent professional judgment and are not directed or controlled by Reneu in any coaching matter. Your relationship with your Coach is separate from your Platform Services subscription with Reneu. By using the Platform to access Coaching Services, you are entering into a coach-client relationship with one or more Coaches governed by a separate Coaching Services Agreement. You acknowledge that Reneu does not control or interfere with the provision of coaching services by any Coach. Fees for Coaching Services are paid directly to your Coach and are not included in your Platform Services subscription.

2.4. Pharmacy's Role. All prescription medications are dispensed by licensed Designated Pharmacies. Reneu does not dispense medications. Medications will arrive in the pharmacy's standard packaging, clearly identifying the dispensing pharmacy, the prescribing Provider, and all information required by applicable law. Prescription medications coordinated through the Platform may be dispensed in packaging that is not child-resistant. You are responsible for storing all medications safely and out of reach of children and pets.

2.5. Laboratory's Role. All Testing Services are performed by licensed Designated Laboratories. Reneu does not perform laboratory testing. The Platform serves as a conduit for coordinating Testing Services. Any testing materials, collection kits, or sample submission instructions are provided by the applicable Designated Laboratory. You must follow the instructions as provided by the applicable Designated Laboratory in order to receive the laboratory services. If you do not follow the instructions (such as providing an adequate sample or not returning the sample within the timeframe set forth in any instructions) the Designated Laboratory may not be able to process your sample.

2.6. Independence of Platform Services. Your Platform Services subscription with Reneu exists independently of any Medical Services or Coaching Services you may receive. You may utilize Platform Services—including health tracking, laboratory testing, educational content, and technology tools—regardless of whether you receive medical care through a Reneu-affiliated Provider or coaching services through a Reneu-affiliated Coach. Cancellation of your Platform Services subscription does not affect any ongoing medical treatment or coaching relationship; clinical and coaching matters are managed solely by your Provider and Coach respectively through separate agreements, but by cancelling Platform Services you will be required to coordinate directly with your Provider and/or Coach independent of the Platform.

2.7. Coordination vs. Provision of Services. Reneu coordinates access to independent healthcare providers and wellness coaches but does not employ, direct, or control these professionals. When we describe service "packages" or "programs":

(a) We are coordinating separate professional services, not bundling them into a single product;

(b) Each service provider maintains an independent professional relationship with you;

(c) Each service provider determines their own scope of practice, fees, and policies;

(d) Reneu's role is limited to technology, logistics, and administrative coordination.

The convenience of integrated billing and coordinated scheduling does not alter the fundamental independence of these professional relationships.

2.8. Third-Party Beneficiaries. By accepting these Terms, you acknowledge and agree that Providers, Coaches, Designated Pharmacies, and Designated Laboratories are intended third-party beneficiaries of these Terms with respect to the dispute resolution, limitation of liability, and indemnification provisions, and have the right to enforce such provisions against you.

3. PLATFORM SERVICES

3.1. Services Included. Your Platform Services subscription includes access to the services listed in Section 1.1. The specific features available to you depend on your selected service level. Platform Services are available regardless of whether you receive Medical Services from a Reneu-affiliated Provider or Coaching Services from a Reneu-affiliated Coach.

3.2. Laboratory Testing Services. Reneu coordinates access to Testing Services through Designated Laboratories. Testing Services may be obtained: (a) directly through the Platform for wellness monitoring purposes without a Provider order; or (b) as ordered by a Provider as part of Medical Services. For Testing Services obtained without a Provider order, results are provided for informational and educational purposes only and are not intended to diagnose or treat any disease or condition. Any general information or wellness content provided with your test results is for informational purposes only and does not constitute medical advice. We encourage you to share your results with a qualified healthcare provider for interpretation. Laboratory testing has inherent limitations and may not identify all conditions or risks. If you receive a test result with a value that is critical or concerning, a clinical professional may attempt to contact you. Reneu does not monitor results of Testing Services or provide notifications of abnormal results or explanations of such results to Members. Obtaining such interpretations is the sole responsibility of Members. Testing Services are subject to availability and Designated Laboratory policies.

3.3. AI-Powered Health Insights. The Platform may provide AI-Powered Health Insights including personalized recommendations, health tracking analysis, and educational content. These insights are generated by automated systems and are provided for informational and educational purposes only. AI-Powered Health Insights: (a) are not a substitute for professional medical advice, diagnosis, or treatment; (b) should not be relied upon for making health decisions without consulting a licensed healthcare Provider; (c) may have limitations, errors, or biases inherent in AI systems; and (d) do not create a doctor-patient relationship. You should always seek the advice of a qualified healthcare Provider with any questions regarding a medical condition.

3.4. Service Levels. Reneu will use commercially reasonable efforts to maintain: (a) platform availability of 99.5% uptime, measured monthly, excluding scheduled maintenance communicated at least 48 hours in advance; (b) response to Member support requests within one (1) business day; and (c) prescription transmission to pharmacy within four (4) business hours of Provider authorization during normal business hours. In the event Reneu fails to meet these service levels due to causes within Reneu's reasonable control, Members may request a pro-rata credit for the affected period by contacting customer support.

3.5. Telehealth Technology. Reneu provides secure, HIPAA-compliant digital platforms to facilitate Provider-Member interactions. While we ensure our systems meet applicable security standards, we are not responsible for medical advice or clinical outcomes arising from telehealth visits; that responsibility lies with your Provider. Telehealth involves the delivery of healthcare services using electronic communications between a Provider and a patient who is not in the same physical location. While telehealth may offer certain potential benefits, there are also potential risks, and telehealth is not a substitute for in-person care in all cases.

4. PAYMENTS AND BILLING

4.1. Three Independent Payment Streams. When you use Reneu's platform and elect to receive clinical or coaching services, you will make up to three separate purchases from three separate entities:

(a) Platform Services fees paid to Reneu Wellness Club LLC for technology and coordination;

(b) Professional fees for Medical Services paid directly to your healthcare Provider (if applicable);

(c) Professional fees for Coaching Services paid directly to your wellness Coach (if applicable).

These payments may be processed simultaneously for your convenience, but each constitutes a separate transaction for a separate service under a separate agreement. Your invoices and receipts will clearly itemize and separate each payment and identify the recipient entity. In addition to the above, you may also incur separate charges for:

(d) Laboratory fees for Testing Services at pass-through cost, if applicable; and

(e) Pharmacy costs at pass-through cost without markup, if applicable.

4.2. Platform Services Fees. Platform Services fees are charged on a subscription basis according to your selected service level. Platform Services subscription fees are charged monthly and provide access to Reneu's technology platform, care coordination, wellness resources, and administrative support. Platform fees are fixed and do not vary based on:

- Whether you receive Medical Services from a Provider

- The type or complexity of any Medical Services you receive

- Prescription volume or medication types

- Clinical treatment decisions made by your Provider

- Whether you receive Coaching Services from a Coach

- The type or intensity of any Coaching Services you receive

Your Platform Services subscription exists independently of any medical care or coaching services you may receive. These fees are for access to Reneu's wellness platform, technology tools, and administrative coordination. Platform fees are independent of any Medical Services or Coaching Services and are not calculated based on, and do not vary with, the professional services provided by Providers or Coaches.

4.2A. Coordinated Service Packages. Reneu offers coordinated service packages (such as RE+SET, RE+RESTORE, RE+VITALIZE) that combine Platform Services with the option to contract for clinical and coaching services. When you select a package:

(a) You are purchasing up to three separate services from up to three separate providers;

(b) You will sign up to three separate service agreements (Platform Services Agreement with Reneu, Clinical Services Agreement with your Provider if applicable, and Coaching Services Agreement with your Coach if applicable);

(c) Reneu's Platform Services fee remains constant ($37/month) regardless of package selected;

(d) Clinical service fees (if applicable) reflect the scope of professional medical services you are contracting to receive from your Provider;

(e) Coaching service fees (if applicable) reflect the scope of professional coaching services you are contracting to receive from your Coach;

(f) Payment may be processed together for convenience, but each payment goes directly to the respective service provider.

The package name (e.g., "RE+RESTORE") is simply a convenient way to describe a combination of service levels across three independent professional relationships. It does not mean these services are bundled into a single membership or that Reneu is providing clinical services or coaching services.

4.3. Pharmacy Pass-Through Pricing. If you utilize pharmacy services coordinated through our Platform, you will be charged the actual cost charged by the Designated Pharmacy for medications without markup by Reneu. Reneu may charge a separate, clearly disclosed administrative coordination fee for pharmacy logistics services, which will be itemized separately from medication costs and may be waived for certain Platform Services subscription levels.

4.4. Laboratory Pass-Through Pricing. If you utilize Testing Services coordinated through our Platform, you will be charged the actual cost charged by the Designated Laboratory without markup by Reneu. Reneu may charge a separate, clearly disclosed administrative coordination fee for laboratory logistics services, which will be itemized separately from testing costs and may be waived for certain Platform Services subscription levels.

4.5. Provider Fees. If you receive Medical Services from a Reneu-affiliated Provider, fees for those services (consultations, evaluations, prescribing decisions, ongoing medical care) are separate charges paid directly to your Provider pursuant to your Clinical Services Agreement. Reneu may process Provider payments as a convenience but does not determine Provider pricing. Disputes related to Provider fees or Medical Services billing must be directed to your Provider.

4.6. Coach Fees. If you receive Coaching Services from a Reneu-affiliated Coach, fees for those services (coaching sessions, program design, ongoing coaching support) are separate charges paid directly to your Coach pursuant to your Coaching Services Agreement. Reneu may process Coach payments as a convenience but does not determine Coach pricing. Disputes related to Coach fees or Coaching Services billing must be directed to your Coach.

4.7. Automatic Renewal and Subscription Terms. Your Platform Services subscription will automatically renew at the end of each billing period at the then-current rate unless you cancel at least seven (7) days before your renewal date. Your first renewal after the initial commitment period may be charged up to three (3) days early to prevent service interruption. Your payment method will be automatically charged at regular intervals as described for your service level. We may perform outreach to you from time to time via the Platform to request updates to your information and to facilitate ongoing subscriptions. You may cancel your Platform Services subscription at any time through your member portal or by emailing info@reneuwellnessclub.com. We do not offer refunds for partially used subscription periods, although we may provide refunds on a case-by-case basis in our sole discretion. We may offer you the ability to pause your subscription for a specified period; if you do not cancel before the end of the pause period, charging to your payment method will resume automatically.

4.8. Third-Party Financing. We may offer you the option to pay for subscription products and services through third-party financing providers, such as Klarna or similar services. If you choose to pay through a third-party financing provider, your repayment amount, schedule, and any interest or fees are determined by that financing provider and may increase the total repayment obligation owed. Please review the financing provider's terms and conditions before selecting this payment option. Reference to any third-party financing provider is for informational purposes only and is not incorporated into these Terms. Reneu has no direct contractual relationship with third-party financing providers regarding your individual financing arrangement. Such providers operate independently and are not subject to Reneu's direction or control. Nothing in these Terms shall be construed to create any relationship of fiduciaries, agents, partners, joint venturers, or employers between Reneu and any third-party financing provider.

4.9. Payment Terms. All invoices are due within fourteen (14) calendar days from the date of delivery ("Due Date"). Any payment not received by the Due Date shall be considered late. If payment is not received within seven (7) days after the Due Date, Reneu reserves the right to suspend Platform Services until all outstanding amounts are paid. Suspension of Platform Services does not terminate your subscription or relieve you of payment obligations. You represent and warrant that you are authorized to use your designated payment method. You authorize us to charge your designated payment method for the total amount of your order (including any applicable taxes and shipping and handling charges). We and our third-party payment service providers may request and receive updated payment card information from your payment card issuer. If such updated information is provided, you agree we may update your account information accordingly and use such updated information to process payments.

4.10. Pricing Changes. Reneu may adjust Platform Services subscription fees and administrative coordination fees from time to time. Material changes to pricing (defined as any increase exceeding fifteen percent (15%) in any twelve-month period) will be communicated to you at least thirty (30) days prior to implementation.

4.11. Taxes. You are responsible for any applicable sales, use, duty, customs, or other governmental taxes, levies, or fees ("Taxes") due with respect to your purchase of products or services through the Platform. We will collect applicable Taxes if we determine we have a duty to collect Taxes. The actual Taxes charged may be adjusted from the amount shown at checkout.

4.12. Federal Healthcare Program Non-Participation. Reneu and Reneu-affiliated Providers are not enrolled with, and are not participating providers in, any federal or state healthcare programs (including Medicare and Medicaid) for the provision of the health care services or supplies available through the Platform. By using Platform Services and any associated Medical Services, you acknowledge that: (a) you are explicitly choosing to obtain products and services on a cash-pay basis outside of federal or state healthcare programs; (b) you accept sole financial responsibility for all services provided; and (c) neither you nor Reneu, the Providers, Coaches, Designated Pharmacies, or Designated Laboratories will submit claims for reimbursement to any federal or state healthcare program for services provided through the Platform.

4.13. Commercial Insurance Non-Participation. Reneu and Reneu-affiliated Providers are also not enrolled with, and are not participating providers in, any commercial insurance programs (including employer-provided insurance programs) for the provision of the health care services or supplies available through the Platform. By using Platform Services and any associated Medical Services, you acknowledge that: (a) you are explicitly choosing to obtain products and services on a cash-pay basis outside of any commercial insurance plan you may hold; (b) you accept sole financial responsibility for all services provided; and (c) neither you nor Reneu, the Providers, Coaches, Designated Pharmacies, or Designated Laboratories will submit claims for reimbursement to commercial insurance company for services provided through the Platform.

5. SUBSCRIPTION COMMITMENT AND CANCELLATION

5.1. Initial Commitment Period. All Platform Services subscriptions are subject to an initial commitment period of three (3) consecutive months from the date of enrollment (the "Initial Commitment Period"). The Initial Commitment Period reflects the nature of our wellness programs: meaningful progress in areas such as lifestyle optimization, habit formation, and wellness tracking requires consistent engagement over time. This commitment period applies to your Platform Services subscription with Reneu. If you have also contracted for clinical services or coaching services, those relationships are governed by separate agreements (Clinical Services Agreement and/or Coaching Services Agreement) with separate commitment terms, if any.

5.2. Cooling-Off Period. You may cancel your Platform Services subscription for any reason within fourteen (14) days of your initial enrollment date and receive a full refund of any Platform Services fees paid, less the pro-rata value of any Platform Services already rendered. To exercise this right, submit a written cancellation request through your member portal or to info@reneuwellnessclub.com within the 14-day period.

5.3. Conversion to Month-to-Month. Following completion of the Initial Commitment Period, your Platform Services subscription will automatically convert to a month-to-month basis at the then-current subscription rate unless you provide notice of cancellation.

5.4. Cancellation After Initial Period. After the Initial Commitment Period, you may cancel your Platform Services subscription with thirty (30) days' written notice submitted through your secure member portal or by email to info@reneuwellnessclub.com. Your subscription and access to Platform Services will continue through the end of the notice period.

5.5. Early Termination. If you wish to cancel your Platform Services subscription during the Initial Commitment Period but after the 14-day cooling-off period, you may do so by paying liquidated damages equal to fifty percent (50%) of the remaining monthly Platform Services fees for the Initial Commitment Period. You and Reneu agree that this amount represents a reasonable pre-estimate of Reneu's actual damages resulting from early termination, which are difficult to quantify precisely but include: (a) administrative costs of member onboarding, account setup, and system configuration performed at enrollment; (b) technology infrastructure and server resources allocated and reserved for your account; (c) care coordination personnel and clinical support resources dedicated to your membership; (d) integration costs with third-party service providers (laboratories, pharmacies, and wearable devices); and (e) lost opportunity costs from declined prospective members during your commitment period. This is not a penalty but a reasonable estimate of damages that would be impractical or extremely difficult to calculate at the time of breach. If Reneu's actual damages exceed this amount, Reneu waives the right to recover the difference.

5.6. Medical Circumstances Exception. If you experience a significant medical condition that prevents you from utilizing Platform Services, you may request early termination without penalty by providing documentation from a licensed healthcare provider. Reneu will review such requests in good faith.

5.7. Effect on Medical and Coaching Services. Cancellation of your Platform Services subscription does not automatically terminate any Medical Services you are receiving from a Provider or any Coaching Services you are receiving from a Coach. Those are separate professional relationships requiring separate cancellation procedures as specified in your Clinical Services Agreement and/or Coaching Services Agreement. If you are receiving ongoing Medical Services, including any therapies that require tapering or medical supervision to discontinue, you must coordinate directly with your Provider regarding continuity of care and the appropriate clinical protocol for discontinuation. If you are receiving ongoing Coaching Services, you must coordinate directly with your Coach regarding the continuation or discontinuation of coaching services. Reneu has no role in clinical decisions regarding your medical treatment or in coaching decisions regarding your coaching program.

5.8. Laboratory Testing Refunds. If you request a refund for Testing Services within 48 hours of payment and you have not received any Testing Services, we will provide you with a full refund. After 48 hours from payment, refunds for Testing Services may be provided on a case-by-case basis in our sole discretion. After one year from payment, you will no longer be eligible for any refund for unused Testing Services. All unused Testing Services are forfeited and do not roll over or carry forward to a subsequent period.

5.9. Termination by Reneu. Reneu may terminate your use of the Platform Services at any time and for any reason without notice, including, for example, for conduct violating these Terms, if agreements between Reneu and Providers, Coaches, Designated Pharmacies, or Designated Laboratories terminate, or if we discontinue any portion of the Platform Services.

6. DATA OWNERSHIP AND PRIVACY

6.1. HIPAA Status and Protected Health Information. Reneu is not a "covered entity" under the Health Insurance Portability and Accountability Act of 1996, as amended ("HIPAA"). When Reneu handles protected health information (as defined by HIPAA and its implementing regulations, or "PHI") on behalf of Providers, Coaches, Designated Pharmacies, or Designated Laboratories who are covered entities, Reneu acts as a "business associate" under HIPAA (as defined by HIPAA), and our use and disclosure of such PHI is governed by our Business Associate Agreements with those entities, as well as applicable law. Information you provide directly to Reneu that is not created or received by Reneu on behalf of a covered entity for treatment, payment, or healthcare operations purposes is not considered PHI under HIPAA and is governed by our Privacy Policy and applicable state laws. HIPAA does not necessarily apply to an entity simply because health information is involved, and HIPAA may not apply to all your transactions or communications with Reneu, Providers, Coaches, Designated Laboratories, or Designated Pharmacies.

6.2. Notice of Privacy Practices. Providers and other covered entities have adopted Notices of Privacy Practices that describe how they use and disclose PHI. By accessing or using any part of the Platform Services, you acknowledge receipt of the applicable Notice of Privacy Practices from your Provider(s) and other covered entities.

6.3. Medical Records. Medical records created by your Provider are owned by your Provider in accordance with applicable law. You have the right to access your medical records as provided by HIPAA and applicable law.

6.4. Coaching Records. Coaching records created by your Coach are owned by your Coach in accordance with applicable law and the terms of your Coaching Services Agreement.

6.5. Platform Data. Reneu owns data relating to platform operations, aggregated de-identified data, and analytics that do not constitute PHI. We may use such data to improve our services, conduct research, and for other lawful purposes.

6.6. Data Export. Upon your written request or upon termination of your subscription, you may request an export of your personal data and wellness records maintained on our Platform in a standard electronic format. Reneu will provide such export within fourteen (14) days for Platform wellness data or within thirty (30) days for any data requiring coordination with Providers, Coaches, or other covered entities.

6.7. Data Security. Reneu uses commercially reasonable administrative, technical, and physical safeguards designed to protect your information. However, no system is completely secure, and Reneu cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your username and password and for securing and preventing unauthorized physical access to your devices.

7. LIMITED USE, AVAILABILITY, AND MEMBER REPRESENTATIONS

7.1. Eligibility. The Platform Services are currently only available to individuals who: (a) are located in states in which we offer the Platform Services; (b) are at least eighteen (18) years of age or older, or at least the age of majority in their jurisdiction of residence if higher than eighteen (18); and (c) have accepted these Terms. Notwithstanding the foregoing, individuals who are at least thirteen (13) years of age but under eighteen (18) years of age may use certain Platform Services with the documented consent of a parent or legal guardian, subject to Section 7.2.

7.2. Minor Access with Parental Consent. Individuals between the ages of thirteen (13) and eighteen (18) may use the Platform Services only with the consent of a parent or legal guardian provided in accordance with the requirements set forth in these Terms and the Platform. The parent or legal guardian providing consent represents and warrants that they have all legal power and authority to provide consent for the use of the Platform Services by such minor. The parent or legal guardian agrees to be bound by these Terms on behalf of the minor and accepts responsibility for the minor's use of the Platform Services. The Platform Services are not intended for individuals under the age of thirteen (13), and individuals under thirteen (13) are prohibited from using any part of the Platform Services, even with parental consent.

7.3. Telehealth Location Requirement. When you participate in a telehealth consultation with a Provider through the Platform, you must be physically located in a state where that Provider is licensed to practice. You represent and warrant that when you use the Platform to consult with a Provider, you are located in the same state as the shipping address you provide in your account at the time of such consultation and will accurately disclose your physical location.

7.4. Member Representations and Acknowledgments. By enrolling in a Platform Services subscription or using Reneu's services, you represent, acknowledge, and agree that:

(a) Reneu is NOT a healthcare provider. All Medical Services are delivered by independently licensed Providers pursuant to separate Clinical Services Agreements.

(b) Reneu is NOT a wellness coach. All Coaching Services are delivered by independently certified Coaches pursuant to separate Coaching Services Agreements.

(c) Reneu does NOT practice medicine, prescribe medications, or dispense pharmaceuticals.

(d) Reneu does NOT provide wellness coaching or mental health services.

(e) AI-Powered Health Insights are not medical treatment, psychotherapy, or substitutes for licensed professional care.

(e-1) You understand that if you select a coordinated service package, you are entering into up to three separate service agreements: (i) Platform Services Agreement with Reneu; (ii) Clinical Services Agreement with your Provider (if applicable); and (iii) Coaching Services Agreement with your Coach (if applicable).

(f) Reneu is NOT responsible for clinical outcomes, medical decisions, or coaching outcomes—those responsibilities belong to your Provider and Coach respectively.

(g) Your Platform Services subscription is independent of any Medical Services or Coaching Services you may receive.

(h) You have read, understood, and accepted these Terms as a legally binding contract, including the commitment period, cancellation provisions, arbitration agreement, and class action waiver.

(i) The information you provide to Reneu, your wellness coach, and your Provider is accurate, complete, and current. You agree to promptly update any information that changes. Reneu reserves the right to suspend or terminate your subscription if you provide false, incomplete, or misleading information.

(j) If you have a medical condition or are receiving medical treatment, you will coordinate with your Provider regarding any wellness activities.

(k) When you participate in a telehealth consultation with a Provider through the Platform, you are physically located in a state where that Provider is licensed to practice, and you will accurately disclose your physical location at the time of consultation.

(l) It is your sole responsibility to monitor and respond to messages, reports, and communications from Reneu, Providers, and Coaches, and you will not hold Reneu, any Provider, or any Coach liable for any loss resulting from your failure to read or respond to such communications.

7.5. Limitations of Service. In some cases, the Platform Services may not be the most appropriate way for you to seek medical care. Certain medical conditions may require an in-person procedure, a specialist, or emergency care. A Provider may determine that your diagnosis and/or treatment requires an in-person office visit or is otherwise not appropriately addressed through the Platform. In such cases, you may receive notification that you will be unable to use the Platform for the particular issue with additional information regarding next steps.

8. DISPUTE RESOLUTION

8.1. Governing Law. These Terms constitute a commercial transaction and shall be governed by the laws of the State of New York without regard to its conflicts of law provisions. These Terms evidence a transaction involving interstate commerce, and the parties expressly intend that the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern the interpretation and enforcement of the arbitration provisions herein.

8.2. Informal Dispute Resolution Conference. Before initiating any formal dispute resolution process, you agree to participate in an Informal Dispute Resolution Conference with Reneu. You and Reneu agree that good faith informal efforts to resolve disputes can result in a prompt, low-cost, and mutually beneficial outcome. To initiate, send written notice ("Notice") to info@reneuwellnessclub.com including: (1) your name, telephone number, mailing address, and email address associated with your account; (2) a detailed description of the dispute, including the relief you seek; and (3) a certification that you have reviewed these Terms. Within forty-five (45) days of Reneu's receipt of Notice, you and a Reneu representative will meet telephonically or by video conference in good faith to attempt resolution. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in this process. The Informal Dispute Resolution Conference shall be individualized such that a separate conference must be held for each dispute.

8.3. Mediation. If the Informal Dispute Resolution Conference is unsuccessful within the time period specified, either party may initiate mediation by providing written notice to the other party. The mediation shall be conducted in Erie County, New York, by a mutually agreed upon mediator, or if the parties cannot agree, by a mediator selected by the American Arbitration Association. Each party shall bear its own costs of mediation, and the parties shall share equally the mediator's fees.

8.4. Binding Arbitration. For disputes involving claimed damages of less than Twenty-Five Thousand Dollars ($25,000), if mediation is unsuccessful, the dispute shall be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted in Erie County, New York, or remotely by mutual agreement. The arbitrator shall have exclusive authority to resolve any dispute, including disputes regarding the interpretation, applicability, enforceability, or validity of this arbitration agreement. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction. YOU AND RENEU ACKNOWLEDGE THAT YOU ARE VOLUNTARILY AND KNOWINGLY WAIVING YOUR RIGHT TO A TRIAL BY JURY.

8.5. Litigation. For disputes involving claimed damages of Twenty-Five Thousand Dollars ($25,000) or more, if mediation is unsuccessful, either party may initiate litigation. The parties agree that all such disputes shall be adjudicated in the State or Federal Courts located in the County of Erie in the State of New York, and each party consents to the jurisdiction of such courts.

8.6. CLASS ACTION WAIVER. YOU AND RENEU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS-WIDE ARBITRATION, OR ANY ARBITRATION INVOLVING JOINT OR CONSOLIDATED CLAIMS. THE ARBITRATOR MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). NO PARTY MAY BRING ANY CLAIM AS A PRIVATE ATTORNEY GENERAL OR IN A REPRESENTATIVE CAPACITY.

8.7. Mass Arbitration Procedures. To increase the efficiency of administration and resolution of arbitrations, you and Reneu agree that if twenty-five (25) or more individual arbitrations of substantially similar nature are filed against Reneu by or with the assistance of the same law firm, group of law firms, or organization within a ninety (90) day period, the arbitration administrator shall: (a) group the arbitrations into batches of no more than one hundred (100) arbitrations per batch (or, if between twenty-five (25) and ninety-nine (99) individual arbitrations are filed, a single batch of all those arbitrations); (b) appoint one arbitrator for each batch; and (c) provide for the resolution of each batch on a consolidated basis with one set of filing and administrative fees due per side per batch, one procedural calendar, one hearing (if any), and one final award ("Batch Arbitration"). Arbitrations are of a "substantially similar nature" if they arise out of or relate to the same events, practices, or factual scenarios and raise the same or similar legal issues. This Batch Arbitration provision shall not be interpreted as authorizing a class, collective, or mass arbitration of any kind, except as expressly set forth herein.

8.8. Injunctive Relief. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief from any court of competent jurisdiction to prevent irreparable harm pending the completion of mediation or arbitration. Either party may also assert an individual action in small claims court for disputes within the scope of such court's jurisdiction in lieu of arbitration.

8.9. Attorneys' Fees. In any action or proceeding arising out of or relating to these Terms, the prevailing party shall be entitled to recover its reasonable attorneys' fees and costs from the non-prevailing party.

8.10. Arbitration Opt-Out. If you do not wish to be bound by the arbitration provisions of these Terms, you may opt out within thirty (30) days after first becoming subject to these Terms. To opt out, you must send written notice to Reneu Wellness Club LLC, P.O. Box 145, West Seneca, NY 14224, ATTN: Arbitration Opt-Out, or by email to info@reneuwellnessclub.com with "Arbitration Opt-Out" in the subject line. The notice must include: (1) your name; (2) residence address; (3) email address associated with your account; and (4) a clear statement that you want to opt out of the arbitration agreement. You must sign the notice for it to be effective. If you opt out, all other parts of these Terms will continue to apply. Opting out has no effect on any previous or other arbitration agreements you may have with Reneu.

8.11. Future Changes to Arbitration Provisions. If Reneu makes any future material modification to the arbitration provisions of these Terms, such changes will not apply to any dispute for which either party had previously provided written Notice. Your continued use of the Platform Services following material changes constitutes acceptance of those changes. Changes to this arbitration agreement do not provide you with a new opportunity to opt out if you previously agreed to arbitration and did not validly opt out.

9. LIABILITY AND INDEMNIFICATION

9.1. Disclaimers. THE PLATFORM SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOUR ACCESS TO AND USE OF THE PLATFORM SERVICES IS VOLUNTARY AND AT YOUR SOLE RISK. RENEU AND EACH THIRD PARTY OFFERING PRODUCTS OR SERVICES THROUGH THE PLATFORM, INCLUDING PROVIDERS, COACHES, DESIGNATED PHARMACIES, AND DESIGNATED LABORATORIES, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, SATISFACTORY QUALITY, AND FITNESS FOR A PARTICULAR PURPOSE. RENEU DOES NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR USEFULNESS OF THE PLATFORM SERVICES OR ANY CONTENT. RENEU DOES NOT WARRANT THAT THE PLATFORM WILL FUNCTION WITHOUT DELAYS, DISRUPTIONS, IMPERFECTIONS, OR SECURITY VULNERABILITIES.

9.2. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RENEU BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INCIDENTAL, INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, PERSONAL OR BODILY INJURY, EMOTIONAL DISTRESS, WRONGFUL DEATH, LOSS OF DATA, LOST PROFITS, OR DAMAGES RESULTING FROM THE USE OF OR INABILITY TO USE THE PLATFORM SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT RENEU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. RENEU SHALL BE LIABLE ONLY TO THE EXTENT OF ACTUAL DAMAGES INCURRED BY YOU, NOT TO EXCEED U.S. $1,000.

9.3. Claims Deadline. ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SERVICES MUST BE BROUGHT WITHIN ONE (1) YEAR AFTER THE DATE OF THE EVENT GIVING RISE TO SUCH CLAIM. CLAIMS BROUGHT AFTER ONE (1) YEAR ARE BARRED.

9.4. Member Indemnification. You agree to defend, indemnify, and hold harmless Reneu and its officers, directors, agents, affiliates, employees, and any third parties offering products or services through the Platform, including Providers, Coaches, Designated Pharmacies, and Designated Laboratories, from any third-party claims, demands, liabilities, costs, and expenses (including reasonable attorneys' fees) resulting from: (a) your intentional misconduct or negligence; (b) your material breach of these Terms; (c) your fraud or violation of law; (d) your violation of any rights of any other person or entity; or (e) information you provide that is false, incomplete, or misleading.

9.5. Reneu Service Commitment. Reneu commits to providing Platform Services with commercially reasonable care and in compliance with applicable law. Reneu shall be responsible solely for errors in its administrative coordination services, including failures to transmit prescriptions as authorized by a Provider, or coordination failures that result in delayed or incorrect shipments, except to the extent caused by Provider error, Coach error, pharmacy error, laboratory error, or circumstances beyond Reneu's reasonable control.

9.6. No Medical or Coaching Liability. Reneu has no liability for medical outcomes, clinical decisions, coaching outcomes, or the quality of Medical Services or Coaching Services and by utilizing the Platform Services you agree to waive any claims against Reneu for any health outcomes arising out of your reliance on medical advice provided by any of the Providers whose services you access through the Platform or coaching advice provided by any of the Coaches whose services you access through the Platform. All responsibility for medical treatment lies with your Provider. All responsibility for coaching services lies with your Coach. Reneu has no liability for the content or effectiveness of AI-Powered Health Insights, which are provided for general wellness support and informational purposes and are not substitutes for professional medical or mental health care.

9.7. Third-Party Goods and Services. Providers, Coaches, Designated Pharmacies, Designated Laboratories, and other third parties provide services or products through the Platform. Your use of any third-party goods and services and any interactions with third parties, including payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such use or interactions, are solely between you and such third parties. Reneu shall not be responsible or liable for any loss or damage incurred as the result of your use of third-party goods and services or your interactions with third parties.

9.8. Jurisdictional Limitations. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. To the extent that Reneu may not disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of Reneu's liability will be the minimum permitted under applicable law.

10. FORCE MAJEURE

Neither party will be liable to the other for any delay or failure to perform its obligations due to causes beyond its reasonable control, including but not limited to fire, flood, earthquake, natural disaster, pandemic, epidemic, government action, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, power outages, cyberattacks, or supply chain disruptions ("Force Majeure Event"). If a Force Majeure Event occurs, the affected party shall promptly notify the other party and use reasonable efforts to resume performance as soon as practicable. If a Force Majeure Event prevents Reneu from providing Platform Services for more than thirty (30) consecutive days, Members may request a pro-rata credit or refund for the affected period.

11. REGULATORY CHANGES

If any law, regulation, or authoritative guidance is enacted or amended that materially affects Reneu's ability to provide Platform Services or renders any material provision of these Terms unlawful or unenforceable, Reneu will notify you and may modify these Terms accordingly. If such changes materially diminish the Platform Services you receive, you may terminate your subscription without penalty upon thirty (30) days' written notice, and Reneu will refund any prepaid fees for services not yet rendered.

12. CONFIDENTIALITY

In connection with your use of Platform Services, you may receive or have access to confidential information belonging to Reneu, including but not limited to business methods, pricing structures, technology, proprietary processes, and platform methodologies. You agree to maintain the confidentiality of such information and not to disclose it to any third party or use it for any purpose other than your use of Platform Services.

13. NON-DISPARAGEMENT

You agree not to make knowingly false statements about Reneu, its affiliates, employees, or affiliated Providers or Coaches. Nothing in this section prevents you from: (a) providing truthful information to government agencies, regulators, or law enforcement; (b) making truthful statements in legal proceedings; (c) posting honest reviews of your experience; (d) reporting safety concerns to appropriate authorities; or (e) exercising any rights that cannot be waived under applicable law, including rights under consumer protection statutes.

14. INTELLECTUAL PROPERTY

All intellectual property owned or developed by Reneu, including trademarks, service marks, logos, software, applications, content, and proprietary methodologies, remains the exclusive property of Reneu. No license in any intellectual property right is granted to you except the limited, non-exclusive, non-transferable right to access and use Platform Services for your personal, non-commercial wellness purposes during your active subscription. You shall not copy, modify, distribute, sell, reverse engineer, or create derivative works from any Reneu intellectual property.

15. ELECTRONIC COMMUNICATIONS

By enrolling in a Platform Services subscription, you consent to receive all communications from Reneu electronically, including via email, SMS messaging, and the member portal. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit such electronic communication. You are responsible for ensuring that your email and mailing address on file are correct and remain up to date.

16. GENERAL PROVISIONS

16.1. Entire Agreement. These Terms, together with our Privacy Policy and any Platform Services enrollment forms, constitute the entire agreement between you and Reneu regarding Platform Services and supersede all prior agreements, understandings, and proposals. If you separately contract for Medical Services or Coaching Services, those relationships are governed by separate agreements (Clinical Services Agreement and/or Coaching Services Agreement) which are independent of these Terms.

16.2. Amendment. Reneu may amend these Terms by posting revised terms on our website or notifying you through the member portal or email. Material changes will be communicated at least thirty (30) days before taking effect. Continued use of Platform Services after the effective date constitutes acceptance of the amended Terms. If you do not agree to the amended Terms, you may cancel your subscription in accordance with Section 5.

16.3. Severability. If any provision of these Terms is determined to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, shall be severed, and all remaining provisions shall continue in full force and effect.

16.4. Assignment. Reneu may assign these Terms to any affiliate, subsidiary, or successor in interest by providing written notice to you. You may not assign your rights or obligations under these Terms without Reneu's prior written consent.

16.5. Waiver. The failure of either party to enforce any provision of these Terms shall not constitute a waiver of that party's right to enforce that provision or any other provision in the future.

16.6. Notices. Reneu may provide notices to you via email, through the member portal, or by mail to the address on file. You may provide notices to Reneu at the contact information in Section 17. Notices are deemed delivered upon sending (for email), upon posting (for portal notifications), or three (3) business days after mailing.

16.7. Survival. Sections relating to liability, indemnification, dispute resolution, confidentiality, intellectual property, data rights, and any other provisions that by their nature should survive, shall survive termination of these Terms and your subscription.

16.8. No Agency Relationship. Neither these Terms nor any content, materials, or features of the Platform Services create any partnership, joint venture, employment, or other agency relationship between you and Reneu, Providers, Coaches, Designated Pharmacies, or Designated Laboratories. You may not enter into any contract on behalf of Reneu or bind Reneu in any way.

16.9. Headings. Section headings are for convenience only and shall not affect the interpretation of these Terms.

17. CONTACT INFORMATION

For questions regarding these Terms or your Platform Services subscription, please contact:

Reneu Wellness Club LLC
P.O. Box 145
West Seneca, NY 14224
Email: info@reneuwellnessclub.com

ACKNOWLEDGMENT AND ACCEPTANCE

By enrolling in a Reneu Platform Services subscription or clicking "I Accept" during enrollment, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, including:

• These Terms govern only your Platform Services subscription with Reneu;
• If you receive Medical Services or Coaching Services, those are governed by separate agreements;
• The three-month initial commitment period for Platform Services and early termination fee;
• The automatic renewal provisions;
• The binding arbitration agreement and class action waiver;
• The limitation of liability provisions;
• The one-year claims deadline; and
• Your right to opt out of arbitration within 30 days.