WoWTM  MEMBERSHIP, CONSENT, AND END USER AGREEMENT 
 PLEASE READ THE MEMBERSHIP, CONSENT, AND END USER AGREEMENT BELOW. INDICATE
 YOUR ACCEPTANCE, CONSENT AND AGREEMENT BY CLICKING THE "AGREE" BUTTON. IF
 YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, DO NOT CLICK "AGREE" AND DO
 NOT USE THE SERVICE.
 Welcome to WoW TM (the "Service"), a service which is operated
 by WoW Health Solutions, LLC, a Michigan limited liability company (the
 "Company"). Please see the Company’s website
 (https://www.wowhealthsolutions.com/) for more information about the
 Service. To use the Service, you must agree to be bound by all of the terms
 of this Consent and Agreement. By clicking the "AGREE" checkbox, you are
 stating that you agree to be bound by all of the terms in this Membership,
 Consent, and End-User Agreement (the "Agreement"). If you do not agree to
 these terms and conditions, you are not authorized to access or use this
 Service. The Company may, from time to time, change the terms of this
 Agreement. It is your responsibility to review these terms each time you use
 the Service.
 MEMBERSHIP AGREEMENT 
  This Membership Agreement is entered into by and between the Member
 (“you” or “Member”) and the Company. By enrolling in the Service, you
 agree to the terms outlined below.  
 Disclosures. 
- This Service is NOT insurance.
- This Service provides discounts at certain health care providers for medical services.
- This Service does not make payments directly to medical providers.
- You are responsible for making payments for medical services directly to the provider at the time of service.
- You can obtain additional information about the Service and lists of participating providers by visiting https://www.mywowhealth.com/ or by calling 844-969-4325.
 Complaints. If you are not satisfied with the Service, you
 may file a complaint via email at admin@wowhealthsolutions.com. We will respond to your complaint within five business days. If you are dissatisfied with the result, you may contact your
 state insurance department.
 Fees. You will be charged a monthly membership fee for use
 of the Service.
 Cancellation. You may cancel the Service at any time in writing and your membership will terminate at the end of the billing cycle. You may cancel for full refund before the start of service by accessing the Cancel Membership feature from your WoW Health member account. You have the right to cancel for full refund after the start of membership, and within thirty (30) days after purchase by contacting member support at 844-969-4325 or customersupport@wowhealthsolutions.com. You will be reimbursed for all money paid less enrollment fees. The Company may cancel your membership for non-payment of or violation of this Membership Agreement.
 You can obtain additional information about the Service and lists of participating providers by visiting https://www.mywowhealth.com/, by calling 844-969-4325, or by email to customersupport@wowhealthsolutions.com.
 It may take up to seven (7) business days for your monthly membership to activate. This activation period does not apply to annual memberships.
 By enrolling in the Service, you acknowledge that you have read and
 understood this Membership Agreement and agree to its terms.
 Illinois Residents 
 If you are not satisfied with the Service, you have the right to file a
 complaint with the Illinois Department of Insurance. Specific contact
 information for the Department will be provided upon request.
You will have free access to the Service’s providers without restrictions to waiting periods, notification periods, etc. upon activation of your membership (except for hospital discounts).
You may modify your method of payment upon request. The Company will discontinue using any automatic account withdrawals, including, but not limited to, electronic fund transfers and automatic credit card and/or debit card charges, upon receiving a written request to customersupport@wowhealthsolutions.com to terminate or alter the method of payment.
 Any initial one-time processing, administrative or other such non-regular
 or periodic charge may not exceed $30.
 If the Company cancels your membership for any reason other than your
 nonpayment of charges, the Company will make a pro rata reimbursement of
 all period charges to you.
 Indiana Residents
 The Service does not make payments to providers for medical services. You are responsible for making payments directly to the provider.
 South Carolina Residents 
 All reimbursements or refunds shall be issued no later than thirty (30)
 days from the date of cancellation.
 Utah Residents 
 Within thirty (30) days of purchase you may cancel the Service and will be
 refunded any fees less enrollment fees. Any enrollment charge cannot exceed
 $25. You cannot exercise this right of cancellation if you have used the
 Service under this Membership Agreement.
 West Virginia Residents 
 If you cancel your membership within thirty (30) days of purchase, you will
 be refunded all periodic charges and the amount of any one-time processing
 fee that exceeds $30. If the Company cancels your membership for any reason
 other than nonpayment of charges, the Service shall make a pro rata
 reimbursement of all periodic charges.
 CONSENT AND END-USER AGREEMENT
 DO NOT USE THE SERVICE FOR EMERGENCY MEDICAL CONDITIONS.
 If you experience a medical emergency, call 911 immediately.
 LIMITATIONS OF THE SERVICE
 The Service permits you to communicate with healthcare providers and
 service vendors who utilize the Service. The Company does not provide any
 physician, medical or other health care services. All physicians and other
 providers are independent of the Company and use the Service as a means to
 communicate with you. Any information or advice received from a provider
 comes from the provider alone, and not from the Company. Neither the
 Company nor any of its licensors or suppliers or any third parties who
 promote the Service or provide you with a link to the Service shall be
 liable for any professional advice you obtain from a healthcare provider via
 the Service nor for any information obtained via the Service. The Company
 does not recommend or endorse any specific tests, physicians, medications,
 products or procedures. You acknowledge that your reliance on any health
 care providers or information provided by the Service is solely at your own
 risk and you assume full responsibility for all risk associated therewith.
 The Company does not credential or make any representations or warranties
 about the training or skill of any health care providers who provide
 services to you via the Service. You are responsible for choosing your own
 physician or other health care provider.
 You hereby certify that you are physically located in the State you have
 identified as your current location. You acknowledge that your ability to
 access and use the Service is conditioned upon the truthfulness of this
 certification and that the providers you access are relying upon this
 certification in order to interact with you. If your certification is
 inaccurate, you agree to indemnify the Company and the providers you
 interact with from any resulting damages, costs or claims.
 ABOUT WoW
 The Service is a software platform and related service which the Company
 makes available for use by you and healthcare providers and service vendors
 who utilize the Service. Healthcare services which you may obtain are not
 covered by insurance, governmental or self-funded group plans. The Company
 and the Service, individually and collectively, are not any one or more of
 the following: (i) a provider of healthcare services, (ii) a network of
 healthcare providers, (iii) a vendor of marketing, credentialing, billing
 or services, or (iv) an insurer, a health care plan, or a group health plan
 for purposes of this Agreement. The Service, and use of the Service by you,
 healthcare providers and service vendors, is subject to all policies, rules
 and regulations which the Company has established or may hereafter
 establish.
 SECURITY
 The Company, for purposes of the Health Insurance Portability and
 Accountability Act of 1996 and its implementing regulations ("HIPAA"), may
 function as a business associate of the healthcare professionals or other
 providers you communicate with using the Service. Your personal information
 will be stored in a secure manner. The Company maintains customary physical
 and electronic procedural safeguards that limit access to your personal
 information to our employees (or people working on our behalf and under
 confidentiality agreements) who, through the course of standard business
 activities, need to access your personal information or to health providers.
 Access to the Service is enabled only by usernames and passwords. You are
 responsible for any and all use of the Service using your username and
 password. You should maintain your username and password in strict
 confidence and not share them. You are responsible to notify us if you have
 any reason to believe that your username or password has been lost,
 compromised or misused in any way.
 ACCOUNT ENROLLMENT
 To access the Service, you must first enroll to establish an individual
 user account ("Account"), by providing certain information. With the
 exception of sub-accounts established for minor children of whom you are a
 parent or legal guardian, you agree that you will not create more than one
 Account, or create an account for anyone other than yourself without first
 receiving permission from the other person. In exchange for your use of the
 Service and, if applicable, in order for providers to send notices to you,
 you agree to: (i) provide true, accurate, current and complete information
 about yourself as prompted by our Account enrollment form; and (ii) each
 time you log on, maintain and promptly update such Account information to
 keep it true, accurate, current and complete. You represent and warrant that
 you are at least 18 years of age and possess the legal right and ability, on
 behalf of yourself or a minor child of whom you are a parent or legal
 guardian, to agree to this Agreement. You consent to the disclosure of your
 contact information for support and follow up purposes by your
 agency/advocate, if applicable. You consent to receiving notifications from
 the Company about promotions or updates to the Service and related matters.
 ACCEPTABLE USE
 You agree not to access or use the Service in an unlawful way or for an
 unlawful or illegitimate purpose as determined by the Company or in any
 manner that contravenes this Agreement. For example, you shall not post,
 use, store or transmit (a) a message or information under a false name; (b)
 information that is defamatory, obscene, fraudulent, or predatory of
 minors; or (c) information that infringes or violates any of the
 intellectual property rights of others or the privacy or publicity rights of
 others. You shall not attempt to damage, impair or disrupt the operation of
 the Service by any method, including through use of viruses, Trojan horses,
 worms, time bombs, denial of service attacks, flooding or spamming.
 OPERATION AND RECORD RETENTION
 The Company reserves complete and sole discretion with respect to the
 operation of the Service. Subject to applicable law, the Company reserves
 the right to maintain, delete or destroy all communications and materials
 posted or uploaded to the Service pursuant to its internal record retention
 and/or destruction policies. Your health information (such as professional
 services, laboratory tests, imaging and prescriptions) will be available to
 you to view and download. The Company will not delete or destroy your
 health information without first giving you advance notice by email to the
 most recent email address in your account information, and a reasonable
 opportunity as determined by the Company to download the information. The
 Company may use de-identified data to the fullest extent permitted by
 applicable law.
 INTELLECTUAL PROPERTY
 All of the content available on or through the Service is the property of
 the Company or its licensors and is protected by copyright, trademark,
 patent, trade secret and other intellectual property law. All Company trade
 and service names, including, but not limited to "WoWTM", are trademarks of
 the Company or its licensors. Subject to the terms of this Agreement, the
 Company hereby grants you a limited, revocable, non-transferable and
 non-exclusive license to use the software, network facilities, content and
 documentation on and in the Service to the extent, and only to the extent,
 necessary to access and use the Service, and for no other use whatsoever.
 The license granted herein does not permit you, and you agree not to,
 modify, translate, reverse engineer, disassemble, decompile or create
 derivative works of the Service or allow a third party, whether directly or
 indirectly, to do so.
 DISCLAIMERS AND LIMITATIONS OF LIABILITY
 ACCESS TO THE SERVICE AND THE INFORMATION CONTAINED THEREIN IS PROVIDED "AS
 IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR
 IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, ALL EXPRESS AND IMPLIED
 CONDITIONS, REPRESENTATIONS AND WARRANTIES, INCLUDING BUT NOT LIMITED TO
 ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
 NON-INFRINGEMENT OR OTHERWISE IMPOSED BY OPERATION OF LAW, ARE DISCLAIMED,
 VOID AND OF NO EFFECT. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT
 WILL WOW BE LIABLE FOR ANY LOST REVENUE, PROFIT OR DATA, OR FOR ANY
 SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR PUNITIVE
 DAMAGES, HOWEVER CAUSED REGARDLESS OF THE THEORY OF LIABILITY, ARISING OUT
 OF OR RELATED TO THE WOW PLATFORM, DATA OUTPUTS, REPORTS, THE USE OF OR
 INABILITY TO RECEIVE REPORTS OR OTHER SERVICES EVEN IF WOW HAS BEEN ADVISED
 OF THE POSSIBILITY OF SUCH DAMAGES AND WHETHER OR NOT SUCH DAMAGES ARE
 FORESEEABLE. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED
 WARRANTY FAILS OF ITS ESSENTIAL PURPOSE. THE FOREGOING LIMITATIONS DO NOT
 APPLY TO A BREACH UNDER HIPAA ARISING FROM THE SYSTEMS OF THE SERVICE OR
 THE COMPANY.
 WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT ACCESS TO
 THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS, IF ANY,
 WILL BE CORRECTED; NOR DOES THE COMPANY MAKE ANY REPRESENTATIONS ABOUT THE
 ACCURACY, RELIABILITY, CURRENCY, QUALITY, COMPLETENESS, USEFULNESS,
 PERFORMANCE, LEGALITY OR SUITABILITY OF THE SERVICE OR ANY OF THE
 INFORMATION CONTAINED THEREIN. YOU EXPRESSLY AGREE THAT YOUR USE OF THE
 SERVICE AND YOUR RELIANCE UPON ANY OF ITS CONTENTS IS AT YOUR SOLE RISK.
 YOU SHALL BE SOLELY AND FULLY RESPONSIBLE FOR ANY DAMAGE TO THE SERVICE OR
 ANY COMPUTER SYSTEM, ANY LOSS OF DATA, OR ANY IMPROPER USE OR DISCLOSURE OF
 INFORMATION ON THE SERVICE CAUSED BY YOU OR ANY PERSON USING YOUR USERNAME
 OR PASSWORD. THE COMPANY CANNOT AND DOES NOT ASSUME ANY RESPONSIBILITY FOR
 ANY LOSS, DAMAGES OR LIABILITIES ARISING FROM THE FAILURE OF ANY
 TELECOMMUNICATIONS INFRASTRUCTURE, OR THE INTERNET OR FOR YOUR MISUSE OF
 ANY PROTECTED HEALTH INFORMATION, ADVICE, IDEAS, INFORMATION, INSTRUCTIONS
 OR GUIDELINES ACCESSED THROUGH THE SERVICE.
 IN THE EVENT OF ANY PROBLEM WITH THE SERVICE OR ANY OF ITS CONTENT, YOU
 AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THE SERVICE. UNDER NO
 CIRCUMSTANCES SHALL THE COMPANY, ANY OF THE COMPANY LICENSOR OR SUPPLIER,
 OR ANY THIRD PARTY WHO PROMOTES THE SERVICE OR PROVIDES YOU WITH A LINK TO
 THE SERVICE BE LIABLE IN ANY WAY FOR YOUR USE OF THE SERVICE OR ANY OF ITS
 CONTENT, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY
 CONTENT, ANY INFRINGEMENT BY ANY CONTENT OF THE INTELLECTUAL PROPERTY RIGHTS
 OR OTHER RIGHTS OF THIRD PARTIES, OR FOR ANY LOSS OR DAMAGE OF ANY KIND
 INCURRED AS A RESULT OF THE USE OF ANY CONTENT.
 UNDER NO CIRCUMSTANCES SHALL THE COMPANY, ITS LICENSORS OR SUPPLIERS OR ANY
 THIRD PARTY WHO PROMOTES THE SERVICE OR PROVIDES YOU WITH A LINK TO THE
 SERVICE, BE LIABLE FOR ANY PUNITIVE, EXEMPLARY, CONSEQUENTIAL, INCIDENTAL,
 INDIRECT OR SPECIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY PERSONAL
 INJURY, LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA
 ON YOUR COMPUTER OR OTHERWISE) ARISING FROM OR IN CONNECTION WITH YOUR USE
 OF THE SERVICE, WHETHER UNDER A THEORY OF BREACH OF CONTRACT, NEGLIGENCE,
 STRICT LIABILITY, MALPRACTICE OR OTHERWISE, EVEN IF WE OR THEY HAVE BEEN
 ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
 EXCEPT FOR A BREACH UNDER HIPAA ARISING FROM THE SYSTEMS OF THE SERVICE OR
 THE COMPANY, YOU HEREBY RELEASE AND HOLD THE COMPANY, ITS LICENSORS,
 SUPPLIERS AND PROVIDERS AND ANY THIRD PARTY WHO PROMOTES THE SERVICE OR
 PROVIDES YOU WITH A LINK TO THE SERVICE HARMLESS FROM ANY AND ALL CLAIMS,
 DEMANDS, AND DAMAGES OF EVERY KIND AND NATURE (INCLUDING, WITHOUT
 LIMITATION, ACTUAL, SPECIAL, INCIDENTAL AND CONSEQUENTIAL), KNOWN AND
 UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT
 OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU WAIVE THE
 PROVISIONS OF ANY STATE OR LOCAL LAW LIMITING OR PROHIBITING A GENERAL
 RELEASE.
 YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY IS NOT ENGAGED IN THE PRACTICE
 OF MEDICINE AND THAT THE COMPANY IS NOT DETERMINING APPROPRIATE MEDICAL USE
 OF THE SERVICE. THE COMPANY, ITS LICENSORS, SUPPLIER AND ALL THIRD PARTIES
 WHO PROMOTE THE SERVICE OR PROVIDE YOU WITH A LINK TO THE SERVICE EXPRESSLY
 DISCLAIMS ANY AND ALL LIABILITY RESULTING FROM THE DELIVERY OF HEALTHCARE
 VIA THE SERVICE, INCLUDING, BUT NOT LIMITED TO LIABILITY FOR MEDICAL
 MALPRACTICE
 WoW LOYALTY PROGRAM
 WoW Health is pleased to offer its members a new reward program beginning on October 1, 2025. Below is a basic description of the loyalty program, including eligibility, permissible uses, and restrictions.
 Members who continuously maintain their membership will be eligible to receive Loyalty Credits. For Plus and Comprehensive members, one Loyalty Credit will become available for a member to use starting on the first day of the fourth month of continuous membership.  A second Loyalty Credit will become available for use on the first day of the seventh month of continuous membership. For Basic members, one Loyalty Credit will become available on the first day of the seventh month of continuous membership.
 A Loyalty Credit is tied to a members’ use of WoW Health’s services for primary care in-person visits or urgent care in-person visits. A Loyalty Credit will be paid to an eligible member in an amount equal to 50% of the amount spent on a primary care in-person visit or an urgent care in-person visit, with a maximum value of $150 per encounter.
 In order to receive a Loyalty Credit, a member shall submit proof, in the form of a receipt or invoice, indicating the member’s encounter for a primary care in-person visit or an urgent care in-person visit. If eligible for a Loyalty Credit, WoW Health will pay the Loyalty Credit to the member within 30 days of receiving such proof of use.
 One unused Loyalty Credit may be rolled over at the end of every twelve month period of continuous coverage. The twelve month period begins on the start date of a WoW Health membership.
* Notice: WoW Health is not an insurance product, and nothing within the terms and conditions or marketing materials related to member Loyalty Credits confers any right to insurance upon a member of WoW Health. WoW Health reserves the right to amend, terminate, or cancel this Loyalty Credit program at any time and for any reason and without prior notice.  Any unused Loyalty Credits available to a member upon termination or cancellation of this Loyalty Credit program will be forfeited by the member immediately upon such termination or cancellation.
 TERMINATION
 The Company may suspend or terminate your access to the Service at any
 time, for any reason or for no reason at all. The Company has the right
 (but not the obligation) to refuse to provide access to the Service to any
 person, agency or organization at any time, for any reason or for no reason
 at all, in our sole discretion. The Company reserves the right to change,
 suspend, or discontinue all or part of the Service or any functionality,
 temporarily or permanently, without prior notice. The Company reserves the
 right to delete or change any username or password at any time, for any
 reason or for no reason at all.
 ELECTRONIC CONTRACTING AND NOTICES
 You agree to the terms of this Agreement by clicking the "AGREE" checkbox.
 You agree that we may send to you in electronic form any privacy or other
 notices, disclosures, reports, documents, communications or other records
 regarding the services (collectively, "Notices"). The Company can send you
 electronic Notices (1) to the e-mail address that you provided during
 registration, or (2) by posting the Notice on the Service or otherwise
 through our site. The delivery of any Notice from the Company is effective
 when sent by us, regardless of whether you read the Notice when you receive
 it or whether you actually receive the delivery. You can withdraw your
 consent to receive Notices electronically by canceling or discontinuing
 your use of the Service.
 NOTICE OF PRIVACY PRACTICES
 The HIPAA Notice of Privacy Practices is available below. The Notice of
 Privacy Practices applies to physicians and other healthcare professionals
 you choose to communicate with using the Service, unless a healthcare
 provider and service vendor has adopted and/or furnished you with its own
 Notice of Privacy Practices. By clicking "AGREE", you acknowledge receipt
 of the applicable Notice of Privacy Practices and agree to its terms and
 conditions. In addition, by clicking the "AGREE" button, you are
 authorizing to release your contact information to the Company in order for
 the Company to provide you with marketing materials promoting the Service.
 You may opt out of receiving such marketing materials by contacting us at
 admin@wowhealthsolutions.com.
 INFORMED CONSENT
 By clicking the "AGREE" button you acknowledge that you are consenting to
 receiving care via the Service from the healthcare providers and service
 vendors you have chosen to communicate with using the Service. The scope of
 care will be at the sole discretion of the healthcare providers and service
 vendors who are treating you, with no guarantee of diagnosis, treatment, or
 prescription. The healthcare provider will determine whether or not the
 condition being diagnosed and/or treated is appropriate for a telehealth
 encounter via the Service.
 INFORMED CONSENT FOR SERVICES PERFORMED BY PHYSICIANS AND OTHER HEALTH CARE
 PROVIDERS VIA THE SERVICE.
 The Company is providing this information on behalf of the healthcare
 providers and service vendors whom you choose to communicate with using the
 Service:
 Telemedicine involves the use of electronic communications to enable
 healthcare providers and service vendors at sites remote from patients to
 provide consultative services. Providers may include primary care
 practitioners, specialists, and/or subspecialists. The information may be
 used for diagnosis, therapy, follow-up and/or education, and may include
 live two-way audio and/or video and other materials (e.g. medical records,
 data from medical devices). The communications systems used will
 incorporate network and software security protocols to protect the
 confidentiality of patient information and will include reasonable measures
 to safeguard the data and to ensure its integrity against intentional or
 unintentional corruption. An encounter summary may be provided to the
 patient at the end of each encounter which may be kept for the patient's
 records and may be shared with the patient's local primary care or other
 provider, as appropriate.
 The anticipated benefits of telemedicine may include improved access to
 medical care by enabling a patient to remain at his or her home or office
 while consulting a healthcare provider and service vendor, and more
 efficient medical evaluation and management. The possible risks of
 telemedicine may include delays in medical evaluation and consultation or
 treatment may occur due to deficiencies or failures of the equipment;
 failures in security protocols, causing a breach of privacy of personal
 medical information; and lack of access to complete medical records may
 result in adverse drug interactions or allergic reactions or other negative
 outcomes.
 By clicking "AGREE," you acknowledge that you understand and agree with the
 following:
-  I understand that telemedicine may involve electronic
 communication of my personal medical information to healthcare
 providers and service vendors who may be located in other areas,
 including out of state.
-  I understand that I may expect the anticipated benefits from the
 use of telemedicine in my care, but that no results can be
 guaranteed or assured.
-  I understand that I am not guaranteed that a healthcare provider
 and service vendor will write a prescription or furnish treatment
 to me using the Service.
-  I understand that my healthcare information may be shared with
 other individuals for treatment, payment and healthcare operations
 purposes and/or as otherwise specified in the Notice of Privacy
 Practices
-  I understand that I may give additional express or implied consent
 while communicating with a healthcare provider and service vendor
 while using the Service.
-  I agree to the terms and conditions of Payment Authorization and
 Responsibility below.
 Patient Consent to the Use of Telemedicine I have read and understand the
 information provided above, and understand the risks and benefits of
 telemedicine, and by clicking "AGREE" I hereby give my informed consent to
 participate in a telemedicine visit under the terms described herein.
 PAYMENT RESPONSIBILITY AND CREDIT CARD AUTHORIZATION
 By accepting these terms of use, you are authorizing the Company to charge your account the full amount due from you, which collectively may include: (1) the fees established by a healthcare provider for services which you request the healthcare provider to furnish and the healthcare provider furnishes via the Service, (2) the fees established by the Company for the right to use the Service, and (3) any additional fees which the Company may establish from time to time. You agree that your credit card information will be saved to your account file with the Company for future transactions on your account. You authorize the Company to charge your credit card on file with the Company for the full amount due. You agree that your authorization will remain in effect until you cancel your membership from your WoW members dashboard, or by contacting member support at 844-969-4325 or customersupport@wowhealthsolutions.com. Memberships will expire upon cancellation at the end of their term. You certify that you are an authorized user of the credit card on file with the Company and that you will not dispute the payment with your credit card company for transactions corresponding to the terms indicated in this Agreement.
 GOVERNING LAW; VENUE; WAIVER OF JURY TRIAL
 This Agreement shall be governed by the laws of the State of Michigan
 without regard to its rules on conflicts or choice of law. You and the
 Company each agree that to bring any action or proceeding in respect of any
 claim arising out of or related to this Agreement or the transactions
 contemplated hereby exclusively in any state court sitting in Oakland
 County or any federal court in the Eastern District of Michigan (the
 "Michigan Courts"), and, solely in connection with claims arising under
 this Agreement or the transactions contemplated hereby that are the subject
 of this Agreement, (i) irrevocably submits to the exclusive jurisdiction of
 the Michigan Courts, (ii) waives any objection to laying venue in any such
 action or proceeding in the Michigan Courts, (iii) waives any objection
 that the Michigan Courts are an inconvenient forum or do not have
 jurisdiction over any party. YOU AND THE COMPANY EACH ACKNOWLEDGE AND AGREE
 THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO
 INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY
 HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY
 LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH
 PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR
 INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS
 CONTEMPLATED BY THIS AGREEMENT.
 MISCELLANEOUS
 This Agreement constitutes the sole Agreement between you and the Company
 relating to your use and our provision of the Service and the subject
 matter hereof, and no representations , statements or inducements, oral or
 written, not contained in this Agreement shall bind either you or the
 Company. Any of the terms of this Agreement which are determined to be
 invalid or unenforceable shall be ineffective to the extent of such
 invalidity or unenforceability, without rendering invalid or unenforceable
 any of the remaining terms of this Agreement or affecting the validity or
 enforceability of the Agreement as a whole. Failure to insist on
 performance of any of the terms of the Agreement will not operate as a
 waiver of any subsequent default. No waiver by the Company of any right
 under this Agreement will be deemed to be either a waiver of any other
 right or provision or a waiver of that same right or provision at any other
 time. You may not assign, transfer or delegate your rights or obligations
 hereunder, in whole or in part. This Agreement shall be binding upon and
 inure to the benefit of each of the parties and the parties' respective
 successors and permitted assigns. This Agreement may be modified,
 supplemented, or superseded by the Company at any time and the Company will
 notify you of such modification
 A printed version of this Agreement and of any related notice given in
 electronic form shall be admissible in judicial or administrative
 proceedings based upon or relating to this Agreement to the same extent and
 subject to the same conditions as other business documents and records
 originally generated and maintained in printed form.
 PRIVACY POLICY
 The Company is committed to ensuring that your personal information shared
 over the Service is protected and kept confidential. By clicking "AGREE,"
 you consent to the use and disclosure of personally identifiable
 information as outlined in this Privacy Policy. The use and disclosure of
 such information may also be subject to the practices of the healthcare
 providers and service vendors with whom you may interact through the
 Services, as described in the Notice of Privacy Practices which is provided
 to you by such providers.
 INFORMATION COLLECTED
 Personal information or protected health information is information that
 includes, but is not limited to, identifying data such as name, social
 security number, address, contact information, as well as information about
 personal health issues submitted through the Services and credit card or
 other financial account information. This is the information we aim to
 protect. The Company will only collect information that you voluntarily
 submit. The Company agrees to keep confidential personally identifiable
 information that identifies an individual whether or not it relates to an
 individual's past, present, or future physical or mental health condition.
 The Company collects information solely for the purposes of providing the
 Services, marketing and promoting our Services to you and for market
 research data. The Company gives you the opportunity to "opt out" of
 receiving direct marketing or market research information by emailing us at
 admin@wowhealthsolutions.com.
 The Company may maintain web logs to record data about all visitors who use
 this site and interact with the Services and we will store this
 information. These logs may contain IP address information, types of
 operating system you use, the date and time you visited the site, and
 information about the type of device you use to connect to the Services. All
 Web logs are stored securely and are accessible to a limited number of
 employees and contractors, who have to adhere to strict guidelines regarding
 user data security and privacy.
 NON-PERSONAL IDENTIFICATION
 The Company may use technology in the aggregate as opposed to using any
 personally identifiable information, to understand how our users
 collectively use the Service. The Company may also use non-personal
 information to analyze data into useful information. This process of data
 mining is done in the aggregate, is non-personal, and allows the Company to
 find correlations and patterns in the data.
 SECURITY OF INFORMATION COLLECTED
 The Company may use account information in a password-protected environment
 as a security measure to protect your data. The Company uses
 administrative, physical and technical safeguards to protect data. The
 Company maintains data protection via safeguards such as data backup, audit
 controls, access controls, and some data encryption. The Company’s Site and
 the Services use industry standard SSL encryption to enhance security of
 electronic data transmissions. In addition, we urge you to take
 precautionary measures in maintaining the integrity of your data. Please be
 responsible in making sure no one can see or has access to your personal
 account and login/password information. If you use a public computer, e.g.,
 at a library or a university, always remember to log out of the Site or
 Services. If you use Service through your employer's computer network or
 through an internet café, library or other potentially non-secure internet
 connection, such use is at your own risk. It is your responsibility to
 check beforehand on your employer's or such other site's privacy and
 security policy with respect to Internet use. The Company is not
 responsible for your handling, sharing, re-sharing and/or distribution of
 your personal health information. Moreover, if you forward personal health
 information electronically to another person on or off the Service, we are
 not responsible for any harm or other consequences from third party use or
 re-sharing of your information.
  SELF REVIEW OF DATA AND ABILITY TO DELETE YOUR ACCOUNT INFORMATION 
 You may request to delete any personal information and to de-authorize the
 collection of personal information in the future by sending us an email at
 admin@wowhealthsolutions.com.
 THIRD PARTY SITES
 As noted above, the Company may be a business associate of healthcare
 providers and service vendors under HIPAA and we share information with
 healthcare providers and service vendors who provide services to
 individuals, and they share information with us, for purposes related to
 treatment, payment and health care operations, and otherwise as agreed or
 authorized by you. Additionally, the Service may contain links to other
 sites which are not affiliated with the Company or the healthcare providers
 and service vendors you choose to communicate with using the Service. The
 Company does not share your personally identifiable information with those
 sites (unless you specifically authorize such sharing or it is permitted by
 the HIPAA Notice of Privacy Practices) and are not responsible for their
 privacy procedures. The Company seeks to work with trusted partners and
 organizations that will adhere to similar privacy and ethical standards.
 However, we encourage you to learn their particular privacy policies
 The Company discloses personally identifiable information about you as
 required or permitted by law, including complying with legal process (for
 example, we may disclose your information as necessary to comply with an
 authorized civil, criminal or regulatory investigation).
 CHILDREN The Company does not knowingly permit individuals under the age 18 to create accounts that allow access to the Service.
 WoW Health’s SMS Terms of Service:
-  WoW Health may SMS you with important details like reminders for
 appointments that you have made, information about WoW Health
 services that you have signed up for, and awareness messages about
 new services that may be available to you. Message frequency
 varies.
-  This SMS service is OPTIONAL, and you can reply with STOP when you
 receive your first SMS upon account setup. Data obtained through
 the short code program will not be shared with any third-parties
 for their marketing reasons/purposes.
-  You can cancel the SMS service at any time. Just text "STOP" to
 the short code. After you send the SMS message "STOP" to us, we
 will send you an SMS message to confirm that you have been
 unsubscribed. After this, you will no longer receive SMS messages
 from us. If you want to join again, please email us at  customersupport@wowhealthsolutions.com  for us to communicate again with you.
-  If you are experiencing issues with the messaging program you can
 reply with the keyword HELP for more assistance, or you can get
 help directly at  customersupport@wowhealthsolutions.com or  844-969-4325.
-  Carriers are not liable for delayed or undelivered messages.
-  As always, message and data rates may apply for any messages sent
 to you from us and to us from you. You will receive these messages
 periodically when you utilize the service, and as part of
 education and awareness campaigns. If you have any questions about
 your text plan or data plan, it is best to contact your wireless
 provider.
-  If you have any questions regarding privacy, please read our
 privacy policy:  https://www.mywowhealth.com/our-policy/ 
 CHANGES TO THIS PRIVACY POLICY
 The Company may amend its Privacy Policy in the future. In the event
 changes are made, the Company will post changes on the Service's
 application and at other places it deems appropriate. Copyright © 2025 WoW
 Health Solutions, LLC. All rights reserved
 HIPAA NOTICE OF PRIVACY PRACTICES
  FURNISHED ON BEHALF OF YOUR HEALTHCARE PROVIDERS UTILIZING WoWTM 
  THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND
 DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. 
 PLEASE REVIEW IT CAREFULLY 
 IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE, PLEASE CONTACT THE 
 HIPAA PRIVACY OFFICER IDENTIFIED BELOW.
 Your medical information is personal. Your health care provider is
 committed to protecting your medical information. Your health care provider
 creates a record of the care and services you receive from us. Your health
 care provider needs this record to provide you with care and to comply with
 certain legal requirements. This Notice applies to all of the records of
 your care created and maintained by your health care provider who utilizes
 WoW’s service.
 This Notice will tell you about the ways in which your healthcare providers
 may use and disclose your medical information. This Notice will also
 describe your rights and certain obligations we have regarding the use and
 disclosure of your medical information.
 Your healthcare provider is required by law to: (1) make sure that medical
 information that identifies you is kept private; (2) give you this Notice
 of your health care provider’s legal duties and privacy practices with
 respect to medical information about you; and (3) follow the terms of the
 Notice that is currently in effect.
  HOW WE MAY USE AND DISCLOSE YOUR MEDICAL INFORMATION: 
 The following describes the different ways that your medical information
 may be used or disclosed. For clarification, some examples are included.
 Not every possible use or disclosure is specifically mentioned. However,
 all of the ways your health care provider is permitted to use and disclose
 your medical information will fit within one of these general categories:
 For Treatment.Your healthcare provider will use
 medical information about you to provide you with medical treatment and
 services. Your health care provider may disclose medical information about
 you to doctors, nurses, technicians and other personnel who are involved in
 providing you medical treatment.
 For Payment.Your healthcare provider may use and
 disclose medical information about you so that the treatment and services
 you receive may be billed to and payment may be collected from you, an
 insurance company or a third party. For example, your health care provider
 will need to disclose information to WoW and others about treatment you
 will receive or have received in order for funds deposited in your WoW
 account by you, or on your behalf, to be used to pay your health care
 provider for the treatment.
 For Health Care Operations.Your healthcare provider
 may use and disclose medical information about you for health care
 operations. For example, your healthcare providers may use medical
 information to review its treatment and services and to evaluate the
 performance of its staff in caring for you. Your healthcare providers may
 also combine medical information about many of its patients to decide what
 additional services it should offer, what services are not needed, and
 whether certain new treatments are effective. Your healthcare providers may
 also disclose information to doctors, nurses, technicians, and other
 personnel for review and learning purposes. Your healthcare providers may
 remove information that identifies you from this set of medical information
 so others may use it to study healthcare and healthcare delivery without
 learning the identity of the specific patients.
 Appointment Reminders. Your healthcare providers may
 use and disclose medical information to contact you as a reminder that you
 have an appointment for treatment or medical care.
 Treatment Alternatives. Your healthcare providers may
 use and disclose medical information to tell you about or recommend
 possible treatment options or alternatives that may be of interest to you.
 Health-Related Benefits and Services. Your
 healthcare providers may use and disclose medical information to tell you
 about health-related benefits or services that may be of interest to you.
 To Business Associates. Your healthcare providers may
 hire third parties that may need your PHI to perform certain services on
 behalf of the healthcare providers. These third parties are business
 associates of the healthcare provider. Business associates (and their
 subcontractors) must protect any PHI they receive from, or create and
 maintain on behalf of, the healthcare providers. For example, the
 healthcare provider may hire a third-party to issue invoices and collect
 payments.
 Research. Under certain circumstances, your
 healthcare providers may use and disclose medical information about you for
 research purposes. For example, a research project may involve comparing
 the health and recovery of all patients who received one medication to
 those who received another for the same condition.
 As Required By Law. Your healthcare providers will
 disclose medical information about you when required to do so by federal,
 state or local law. For example, disclosure may be required by Workers’
 Compensation statutes and various public health statutes in connection with
 required reporting of certain diseases, child abuse and neglect, domestic
 violence, adverse drug reactions,etc.
 To Avert a Serious Threat to Health or Safety. Your healthcare providers may use and disclose medical information about you when
 necessary to prevent a serious threat to your health and safety or the
 health and safety of the public or another person. Any disclosure, however,
 would only be to someone able to help prevent the threat.
 Health Oversight Activities. Your healthcare
 providers may disclose medical information to a governmental or other
 oversight agency for activities authorized by law. For example, disclosures
 of your medical information may be made in connection with audits,
 investigations, inspections, and licensure renewals, etc.
 Lawsuits and Disputes. If you are involved in a
 lawsuit or a dispute, Your healthcare providers may use your medical
 information to defend themselves or to respond to a court order.
 Law Enforcement. Your healthcare providers may
 release medical information about you if required by law when asked to do
 so by a law enforcement official.
 Coroners and Medical Examiners. Your healthcare
 providers may release medical information to a coroner or medical examiner
 to identify a deceased person or determine the cause of death.
 Uses and Disclosures Requiring an Authorization
 Other uses and disclosures of your medical information not covered by this
 Notice of Privacy Practices will be made only with your written
 authorization. If you provide your healthcare providers such an
 authorization in writing to use or disclose medical information about you,
 you may revoke that authorization, in writing, at any time, except to the
 extent that we have acted in reliance of it. If you revoke your
 authorization, Your healthcare providers will no longer use or disclose
 medical information about you for the reasons covered by your written
 authorization. The following are examples of uses and disclosures requiring
 an authorization:
 Psychotherapy Notes. If your healthcare provider
 maintains information which qualifies as "psychotherapy notes" as defined
 below, your health care provider must obtain an authorization for any use
 or disclosure of psychotherapy notes, except: (i) To carry out the
 following treatment, payment, or health care operations: (A) Use by the
 originator of the psychotherapy notes for treatment; (B) Use or disclosure
 by the covered entity for its own training programs in which students,
 trainees, or practitioners in mental health learn under supervision to
 practice or improve their skills in group, joint, family, or individual
 counseling; or (C) Use or disclosure by the covered entity to defend itself
 in a legal action or other proceeding brought by the individual; and (ii) A
 use or disclosure that is required by the Secretary of HHS to investigate
 or determine our compliance or permitted by law; uses and disclosures for
 health oversight activities with respect to the oversight of the originator
 of the psychotherapy notes; uses and disclosures about decedents; or uses
 and disclosures to avert a serious threat to health or safety of a person
 or the public. Psychotherapy notes means notes recorded (in any medium) by
 a health care provider who is a mental health professional documenting or
 analyzing the contents of conversation during a private counseling session
 or a group, joint, or family counseling session and that are separated from
 the rest of the individual's medical record. Psychotherapy notes exclude
 medication prescription and monitoring, counseling session start and stop
 times, the modalities and frequencies of treatment furnished, results of
 clinical tests, and any summary of the following items: diagnosis,
 functional status, the treatment plan, symptoms, prognosis, and progress to
 date.
 Marketing. Your healthcare provider is required by
 law to receive your written authorization before we use or disclose your
 health information for marketing purposes, except if the communication is
 in the form of: (A) a face-to-face communication made by it to you; or (B)
 a promotional gift of nominal value we provide. If the marketing involves
 direct or indirect remuneration to your healthcare provider from a third
 party, the authorization must state that such remuneration is involved. If
 the marketing involves financial remuneration to your healthcare provider
 from a third party, the authorization must state that such remuneration is
 involved.
 Sale of PHI. Under no circumstances will your
 healthcare providers or business associates sell patient lists or your
 health information to a third party without your written authorization.
 Such authorization must state that the disclosure will result in
 remuneration to the covered entity.
 YOUR RIGHTS REGARDING YOUR MEDICAL INFORMATION:
 You have the following rights regarding the medical information your health
 care provider maintains about you:
 Right to Inspect and Copy. You should contact your provider to inspect and
 copy your medical information with the exception of psychotherapy notes. To
 inspect and copy your medical information, you must submit your request in
 writing to the HIPAA Privacy Officer. If you request a copy of the
 information, your healthcare provider may charge a fee for the costs of
 copying, mailing or other supplies associated with your request. Your
 healthcare provider may deny your request to inspect and copy in certain
 circumstances. If you are denied access to your medical information, you
 may request that the denial be reviewed. For information regarding such a
 review, please contact the HIPAA Privacy Officer. If your medical
 information is maintained in an electronic health record, you also have the
 right to request that an electronic copy of your record be sent to you or
 to another individual or entity. Your health care provider may charge you a
 reasonable cost-based fee limited to the labor costs associated with
 transmitting the electronic health record.
 Right to Amend. . If you feel that medical information your healthcare provider has about you is incorrect or incomplete, you may ask your health care provider to amend the information. You have the right to request an amendment from your provider as long as the information is kept by your healthcare provider. To request an amendment, your request must be made in writing and submitted to the HIPAA Privacy Officer. In addition, you must provide a reason that supports your request. Your health care provider may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, your health care provider may deny your request if you ask it to amend information that: (a) was not created by your healthcare provider; (b) is not part of the medical information kept by your healthcare provider; (c) is not part of the information which you would be permitted to inspect and copy; or (d) is accurate and complete.
 Right to an Accounting of Disclosures. You have the
 right to request an “accounting of disclosures.” This is a list of the
 disclosures your healthcare provider has made of your medical information.
 Your healthcare provider is not required to list certain disclosures,
 including disclosures made for treatment, payment, and health care
 operations purposes or disclosures made incidental to treatment, payment,
 and health care operations; however, if these disclosures were made through
 an electronic health record, you have the right to request, beginning on
 dates established by law or regulation, an accounting for such disclosures
 that were made during the previous 3 years. To request this accounting of
 disclosures, you must submit your request in writing to the HIPAA Privacy
 Officer. Your request must state a time period which may not be longer than
 six years.
 Right to Request Restrictions. You have the right to
 request a restriction or limitation on the use or disclosure your
 healthcare provider makes of your medical information. Your health care
 provider is not required to agree to your request for a restriction, except
 as noted below. If your healthcare provider does agree, your healthcare
 provider will comply with your request unless the information is needed to
 provide you emergency treatment. Your healthcare provider is required to
 agree to your request for a restriction if, except as otherwise required by
 law, the disclosure is to a health plan for purpose of carrying out payment
 or health care operations (and is not for purposes of carrying out
 treatment) and the medical information pertains solely to a health care
 item or service for which we have been paid out of pocket in full. To
 request restrictions, you must make your request in writing to the HIPAA
 Privacy Officer.
 Right to Request Confidential Communications. You
 have the right to request that your healthcare provider communicate with
 you only in a certain manner. For example, you can ask that we only contact
 you at work or by mail. To request confidential communications, you must
 make your request in writing to the HIPAA Privacy Officer. Your health care
 provider will accommodate all reasonable requests.
 Right to a Paper Copy of This Notice. . You have
 the right to a paper copy of this Notice. Even if you have agreed to
 receive this Notice electronically, you are still entitled to a paper copy
 of this Notice. You may obtain a copy of this Notice at our website at the
 address listed below. To obtain a paper copy of this Notice, contact the
 HIPAA Privacy Officer.
  Right to Receive Notice of Discovery of a Breach of Unsecured
 Protected Health Information.  Your healthcare provider is required to notify you of any breach of
 unsecured protected health information concerning you following the
 discovery of the breach when required by regulation.
 REVISIONS TO THIS NOTICE:
WoW Health reserves the right to revise this Notice. Any revised Notice will be effective for medical information that already exists as well as any information we receive in the future. Your health care provider will post a copy of any revised Notice on its website. Any revised Notice will contain on the first page, in the top right-hand corner, the effective date.
 COMPLAINTS:
 If you believe your privacy rights have been violated, you may file a
 complaint with us or with 
 the Secretary of the Department of Health and Human Services. To file a
 complaint with your healthcare provider, contact:
 HIPAA Privacy Officer
 Care of WoW
 Email: admin@wowhealthsolutions.com
  YOUR HEALTHCARE PROVIDER WILL NOT PENALIZE YOU IN ANY WAY FOR FILING A COMPLAINT.