Terms of Service

These Terms of Service ("Terms") govern your access to and use of the websites, applications, and services operated by Jupiter Health, Inc., a Delaware corporation doing business as Wellward ("Wellward," "we," "us," or "our"), including our insurance agency services and our free care tools (together, the "Services"). By creating an account, requesting a quote, submitting an application, or otherwise accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

Where the Services involve Protected Health Information, your information is handled in accordance with our Notice of Privacy Practices in addition to our Privacy Policy.

IMPORTANT NOTICE ABOUT ARBITRATION. Section 18 contains a binding arbitration agreement and class-action waiver. By accepting these Terms, you agree (with limited exceptions) to resolve disputes with us on an individual basis through binding arbitration. You have a 30-day right to opt out of arbitration as described in Section 18.

1. Eligibility and Account Creation

You must be at least 18 years old and a resident of the United States to create an account and use the Services. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for safeguarding your password and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account. We may suspend or terminate your account if any information you provide is inaccurate, untrue, incomplete, or out of date.

2. The Services: What Wellward Does and Does Not Do

2.1 What Wellward Does

Wellward is a licensed insurance agency that helps you compare and enroll in health coverage, and provides free tools for finding the price of care. Wellward may help you compare health plans and enroll in the plan you choose, look up cash prices for medical services, look up what your own plan has negotiated for a billing code, review a medical bill or estimate, compare and switch pharmacies for prescription cost savings, prepare and submit appeals of denied claims and prior authorizations, identify benefits available under your existing coverage, and coordinate scheduling and follow-up. Wellward also provides text-based concierge support staffed by care navigators with the assistance of AI tools.

2.2 What Wellward Does Not Do

The Services other than our licensed insurance agency services are for informational, advisory, and navigational purposes only. They are not a substitute for professional medical, legal, financial, or insurance advice.

• Not a healthcare provider. Wellward is not a doctor, nurse, medical practice, hospital, or other healthcare provider, and does not provide medical care, diagnosis, treatment, or prescriptions. No clinician-patient relationship is created by your use of the Services. If you have a medical emergency, call 911 or go to the nearest emergency room.
• Not an insurer. Wellward is an insurance agency; insurance is provided by the carriers. Wellward is not a health insurer, health plan, pharmacy benefit manager, or claims administrator, and does not pay claims or determine coverage. See Section 3.
• Not a law firm, accounting firm, or financial advisor. Wellward does not provide legal advice, tax advice, or investment advice.
• No guaranteed outcomes. While the Services are designed to help you save money and obtain better care, Wellward does not guarantee specific savings, that any specific provider will accept a given price, that any claim will be paid, that any appeal will succeed, that any bill will be reduced, that any prescription will be available at a particular price, or any other specific outcome.

3. Insurance Agency Services

Jupiter Health, Inc. d/b/a Wellward is a licensed insurance agency (NPN 21613725). Our agency services are free to consumers. Premiums are set by insurers and regulators and are identical through any channel — you do not pay more by enrolling through Wellward, and you would not pay less by going directly to the carrier.

3.1 Compensation

Wellward may receive a commission or other compensation from an insurer when you enroll in a plan through Wellward. The presence and amount of such compensation will be disclosed to you in writing prior to enrollment, together with any state-specific producer information required by law.

The Wellward Promise: commissions play no role in our analysis or our recommendations. We will recommend the plan we believe is best for you regardless of which (if any) plan generates compensation for us. Wellward voluntarily holds itself to a fiduciary standard with respect to insurance recommendations.

3.2 Agent of Record

By enrolling through Wellward, you designate Wellward as your agent or broker of record for that policy.

3.3 Enrollment Processing

Applications may be processed via HealthSherpa and submitted to the Health Insurance Marketplace or directly to carriers. You must provide accurate and complete information. Eligibility, effectuation, premiums, and coverage terms are determined by the Marketplace or the carrier, not by Wellward.

3.4 Consent and Records

Federal rules require us to obtain your consent before assisting you and to document that you have reviewed your application before it is submitted. We keep records of that consent and review for 10 years (45 CFR §155.220); the records are immutable and producible to regulators on request. You may withdraw your consent at any time by contacting us at hello@wellwardhealth.com; withdrawal is recorded against the original consent rather than deleting it, and does not affect actions already taken.

Wellward never accesses your HealthCare.gov account.

3.5 Recommendations

The Wellward Efficiency Index is a data-driven methodology for comparing plan cost and exposure. It is not individualized financial, legal, or tax advice, and the final choice of plan is yours.

3.6 Bridge Plan

The Bridge Plan is fixed-benefit insurance underwritten by Everest. It is not ACA major-medical coverage and does not satisfy any requirement to maintain minimum essential coverage. Its own policy terms, benefit schedule, and exclusions control.

4. Wellward Acting on Your Behalf (Limited Authorization)

To deliver the Services, Wellward sometimes acts as your designated representative or authorized agent with third parties. By using the Services, you grant Wellward a limited, revocable authorization to take the following actions on your behalf, in each case only when reasonably necessary to provide the Services you request:

• Contact healthcare providers, hospitals, billing companies, collection agencies, pharmacies, laboratories, imaging centers, health plans, insurers, and pharmacy benefit managers to obtain pricing, verify coverage, request appointments, coordinate care, request itemized bills, negotiate bills, dispute claims, submit appeals, and request records.
• Compare prescription prices across pharmacies (including mail-order, retail, and manufacturer programs) and present options to you. We will not switch your prescription to a new pharmacy without your authorization.
• Request and receive copies of your medical records, billing records, claim and explanation-of-benefits documents, and similar records that you authorize us to obtain. We may ask you to sign a separate HIPAA-compliant authorization or insurer-specific designation-of-representative form before requesting certain records.

You may revoke this authorization at any time by contacting us at hello@wellwardhealth.com. Revocation will not affect actions already taken in reliance on it.

5. AI-Assisted Concierge

The Services include AI tools that help Wellward provide concierge support and that assist in operational tasks such as price gathering and provider-quality scoring. AI tools may draft, summarize, prioritize, and send messages, with human oversight available. AI tools are not a substitute for medical, legal, financial, or insurance professional judgment, and they may make mistakes.

We do not use your data to train AI models. Our AI vendors are contractually prohibited from using your inputs or outputs to train their own models.

Use AI output only as one input to your decisions, and consult an appropriate professional for any significant decision affecting your health, finances, or legal rights.

6. Privacy and Protected Health Information

Your privacy is governed by our Privacy Policy, our Notice of Privacy Practices, and (where applicable) our Consumer Health Data Privacy Policy. By using the Services, you acknowledge that you have received and reviewed those documents.

7. Communications and Consent to Contact

7.1 Email

By creating an account, you consent to receive transactional emails about your account and the Services. You may opt out of marketing emails at any time.

7.2 SMS / Text Messaging

By providing your mobile number and opting in, you expressly consent to receive recurring text messages from Wellward at that number, including transactional messages about your account, lineup updates, concierge replies, quote and application updates, and (with separate opt-in) marketing messages. Consent to receive text messages or telephone calls about your quote or application is separate, optional, and never a condition of receiving our services. Message frequency varies. Message and data rates may apply. Reply HELP for help. Reply STOP to opt out. You may revoke consent at any time. Wellward is not liable for delayed or undelivered messages.

7.3 Voice Calls

You consent to receive non-marketing voice calls from Wellward staff or contracted care navigators in connection with the Services. Certain calls may be monitored or recorded for quality assurance and training. Wellward does not use AI-generated outbound voice agents to call you.

8. Account Security and Session Timeout

You are responsible for maintaining the confidentiality of your password and for all activities that occur under your account. For your security, the Services automatically log you out after a period of inactivity. You agree to log out when using a shared device, to use a strong unique password, and to promptly notify us of any unauthorized use of or compromise of your account.

9. No Medical Advice; Emergencies

THE SERVICES DO NOT PROVIDE MEDICAL ADVICE. Content delivered through the Services, including by AI tools or by care navigators, is for informational and navigational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment from a qualified clinician. Always seek the advice of your physician or other qualified health professional with any questions you may have regarding a medical condition. IF YOU ARE EXPERIENCING A MEDICAL EMERGENCY, CALL 911 OR GO TO THE NEAREST EMERGENCY ROOM.

10. User Content

Definitions. "Service Information" means information you submit through the Services for the purpose of receiving the Services, including quote and application inputs, intake responses, concierge messages, photos, bills, prescriptions, medical records, and similar materials. "Public Content" means content you post to any public-facing area of the Services (such as a public review or testimonial, if and when such features are offered).

Service Information. Wellward uses Service Information only to provide and improve the Services, as described in our Privacy Policy, Notice of Privacy Practices, and Consumer Health Data Privacy Policy, and as authorized by you. You retain all ownership and intellectual property rights in your Service Information. The license you grant Wellward over Service Information is limited to what is necessary to provide the Services, perform our internal operations consistent with HIPAA, comply with law, and create aggregated or de-identified information that no longer identifies you. Wellward does not grant any general-purpose, perpetual, irrevocable, or sublicensable rights over Service Information.

Public Content. If you submit Public Content, you grant Wellward a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, distribute, and display the Public Content for the purposes of operating and promoting the Services. You represent that you own or have the necessary rights to grant this license, and that the Public Content does not violate any third party's rights. We may remove Public Content at any time, with or without notice.

11. User Conduct

You agree not to use the Services in any manner that:

• Violates applicable law or any third party's rights.
• Interferes with the operation of the Services or the experience of other users.
• Attempts to gain unauthorized access to any system, account, or data.
• Reverse engineers, decompiles, or extracts source code, except as expressly permitted by law.
• Uses bots, scrapers, or other automated tools to access the Services.
• Submits false, misleading, fraudulent, defamatory, harassing, threatening, obscene, or otherwise objectionable content.
• Impersonates any person or entity, or misrepresents your affiliation with any person or entity.
• Uses the Services to obtain or attempt to obtain controlled substances, prescription medications without a valid prescription, or other unlawful goods or services.

We may, but are not required to, monitor your use of the Services and remove content or suspend access for violations.

12. Intellectual Property

The Services and their content, features, and functionality (excluding Service Information and Public Content) are owned by Wellward or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use. All rights not expressly granted are reserved.

13. Disclaimer of Warranties

EXCEPT AS EXPRESSLY SET FORTH IN THESE TERMS AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WELLWARD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WELLWARD DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. WELLWARD DOES NOT WARRANT ANY PARTICULAR OUTCOME, INCLUDING ANY SPECIFIC SAVINGS, CLAIM PAYMENT, APPEAL OUTCOME, PRICE, AVAILABILITY OF ANY PROVIDER, OR HEALTH RESULT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WELLWARD, ITS AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WELLWARD'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO WELLWARD FOR THE SERVICES IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100. THIS LIMITATION APPLIES IN THE AGGREGATE TO ALL CLAIMS, REGARDLESS OF LEGAL THEORY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY FOR FRAUD, INTENTIONAL MISCONDUCT, GROSS NEGLIGENCE, OR ANY OTHER LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

15. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Wellward and its affiliates and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services in violation of these Terms or applicable law; (b) your User Content (including Service Information you submit, to the extent the content is unlawful or infringes a third party's rights); or (c) your willful misconduct.

16. Modification, Suspension, and Termination

We may modify these Terms at any time. If we make material changes, we will provide notice (such as by email or a prominent notice on the Services) and update the "Last Updated" date above. Your continued use of the Services after the effective date of the updated Terms will indicate your acceptance, except where additional consent is required by law.

We may suspend or terminate your account or access to the Services at any time, with or without notice, for any reason, including your violation of these Terms. The following sections survive termination: 3.4 (Consent and Records), 6 (Privacy), 10 (User Content), 12 (IP), 13 (Disclaimer), 14 (Limitation of Liability), 15 (Indemnification), 18 (Dispute Resolution), 19 (Choice of Law), 20 (Miscellaneous), and any other provisions that by their nature should survive.

17. Notice

We may provide notice to you by email to the address you have on file, by posting on the Services, or by other reasonable means. You agree to provide notice to us by email to hello@wellwardhealth.com with a copy by first-class or certified mail to: Jupiter Health, Inc. d/b/a Wellward, Attn: Legal, 860 Broadway, 6th Floor, New York, NY 10003.

18. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH WELLWARD ON AN INDIVIDUAL BASIS AND LIMITS YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS OR REPRESENTATIVE PROCEEDINGS.

18.1 Informal Resolution

Before initiating arbitration, you and Wellward agree to attempt to resolve any dispute informally. You agree to send written notice describing the dispute to hello@wellwardhealth.com with a copy by mail to the address in Section 17. We agree to send written notice to the email and mailing address on file for you. Both parties will have 30 days from receipt of notice to attempt to resolve the dispute.

18.2 Agreement to Arbitrate

If the dispute is not resolved within 30 days, you and Wellward agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures (or, where applicable, the JAMS Streamlined Arbitration Rules and Procedures), and subject to the JAMS Consumer Arbitration Minimum Standards where applicable. The arbitration will be conducted by a single arbitrator. For claims under $25,000, you may elect to participate by document submission or by videoconference. The Federal Arbitration Act governs the interpretation and enforcement of this provision.

18.3 Class Action and Jury Trial Waiver

YOU AND WELLWARD AGREE TO BRING ANY DISPUTE IN ARBITRATION OR (WHERE APPLICABLE UNDER SECTION 18.5) IN COURT ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. YOU AND WELLWARD WAIVE THE RIGHT TO A JURY TRIAL.

18.4 30-Day Opt-Out Right

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to hello@wellwardhealth.com with the subject line "Arbitration Opt-Out" and including your full name, account email, and a clear statement that you opt out of arbitration. Opting out will not affect the rest of these Terms.

18.5 Exceptions

Either party may bring an individual action in small claims court for disputes within that court's jurisdiction. Either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property rights. Disputes regarding the validity, scope, or enforceability of this arbitration agreement, or the class-action waiver, will be decided by a court rather than an arbitrator.

18.6 Fees and Mass Arbitration

Wellward will pay all JAMS administrative and arbitrator fees that exceed the fees you would pay to file the claim in court, except where the arbitrator determines your claim was frivolous. If 25 or more arbitration claims are filed against Wellward by or with the assistance of the same lawyer or coordinated group of lawyers within a 60-day period and involve substantially similar facts or legal claims ("Mass Filings"), the parties agree to the JAMS Mass Arbitration Procedures and that the procedure described in those rules will apply, including the batched-bellwether approach.

19. Choice of Law and Forum

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles, and (with respect to arbitration) by the Federal Arbitration Act. Except for disputes subject to arbitration or proper for small claims court, you and Wellward consent to the exclusive jurisdiction of the state and federal courts located in New York County, New York for any dispute relating to these Terms or the Services.

20. Miscellaneous

• Entire Agreement. These Terms, together with the Privacy Policy, Notice of Privacy Practices, Consumer Health Data Privacy Policy, and any Additional Terms, constitute the entire agreement between you and Wellward regarding the Services.
• No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Severability. If any provision is held unenforceable, the remaining provisions will continue in full force and effect.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or similar transaction.
• No Agency. Nothing in these Terms creates any partnership, joint venture, employer-employee, principal-agent, or franchisor-franchisee relationship between you and Wellward, except as expressly stated in Section 3 and Section 4.
• Headings. Headings are for convenience only and do not affect interpretation.
• Notice to California Residents. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

21. Contact Us

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

Jupiter Health, Inc. d/b/a Wellward
Attn: Legal
860 Broadway, 6th Floor, New York, NY 10003
Email: hello@wellwardhealth.com