Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Assurna Inc., a corporation organized under the laws of the State of Delaware ("Assurna," "we," "us," or "our"). By accessing our website at assurna.com, submitting an application, or using any of our services, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use our services. We reserve the right to modify these Terms at any time. Material changes will be communicated through our website or via email. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

2. Description of Services

Assurna provides premium longevity and health optimization services, including but not limited to:

• Comprehensive health assessments and biological age analysis.
• Personalized health protocols designed by board-certified physicians.
• Ongoing health monitoring, biomarker tracking, and protocol adjustments.
• Access to advanced diagnostics, laboratory services, and medical technologies.
• Concierge-level care coordination and physician access.

Our services are provided on a membership basis. Availability, scope, and pricing of specific services may vary and are subject to change at our discretion.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate, current, and complete information during the application process.
• Not be prohibited from receiving services under applicable laws.

Assurna reserves the right to accept or decline any application at our sole discretion. Membership is by invitation only, and acceptance is not guaranteed.

4. Application and Membership

4.1 Application Process

By submitting an application through our website, you represent that all information provided is truthful, accurate, and complete. Providing false or misleading information constitutes a breach of these Terms and may result in immediate termination of your membership.

4.2 Membership Acceptance

Upon acceptance, you will receive a membership agreement outlining the specific services, fees, and terms applicable to your membership tier. The membership agreement, together with these Terms, constitutes the complete agreement governing your use of our services.

4.3 Membership Duration and Renewal

Memberships are offered on an annual basis unless otherwise specified. Memberships automatically renew unless you provide written notice of cancellation at least 30 days prior to the renewal date. Renewal terms and pricing will be communicated in advance.

5. Fees and Payment

• All fees are quoted in U.S. Dollars and are due in accordance with the payment schedule outlined in your membership agreement.
• Payment must be made via the methods specified at the time of enrollment. We accept major credit cards, wire transfers, and ACH payments.
• Late payments may incur interest at a rate of 1.5% per month or the maximum rate permitted by law, whichever is lower.
• All fees are non-refundable except as expressly stated in your membership agreement or as required by applicable law.
• We reserve the right to modify our fees upon 30 days' prior written notice. Fee changes will apply at the next renewal period.

6. Medical Disclaimer

Assurna is not a substitute for emergency medical care or primary care medicine. Our services are designed to complement, not replace, your existing healthcare relationships.

• The information and services provided by Assurna are for health optimization and informational purposes. They do not constitute medical diagnosis, treatment, or prescription for any specific medical condition.
• All medical services are provided by or under the supervision of licensed, board-certified physicians. However, individual results vary, and we do not guarantee specific health outcomes.
• You should always consult with your primary care physician or specialist before making changes to your health regimen, particularly if you have pre-existing conditions or are taking medications.
• In case of a medical emergency, call 911 or your local emergency number immediately.

7. User Responsibilities

As a member or user, you agree to:

• Provide accurate and complete health information as requested.
• Follow the protocols and recommendations provided by our medical team responsibly.
• Promptly inform us of any changes to your health status, medications, or medical conditions.
• Use our services solely for lawful purposes and in compliance with these Terms.
• Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access.
• Not share, resell, or transfer your membership or access to our services to any third party.

8. Intellectual Property

All content on the Assurna website and within our services, including but not limited to text, graphics, logos, images, software, protocols, methodologies, and proprietary health algorithms, is the exclusive property of Assurna Inc. or its licensors and is protected by copyright, trademark, trade secret, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, or create derivative works of our content without prior written consent.
• Use our trademarks, logos, or branding without written authorization.
• Reverse engineer, decompile, or disassemble any software or technology used in our services.
• Use automated systems, bots, or scraping tools to access or extract content from our website.

9. Confidentiality

We understand the sensitive nature of health information. All personal and health-related information shared with Assurna is treated as strictly confidential and handled in accordance with our Privacy Policy and applicable laws, including HIPAA.

You acknowledge that discussions, protocols, and materials provided to you as part of your membership are proprietary and confidential. You agree not to disclose, share, or distribute such information to third parties without our prior written consent.

10. Cancellation and Termination

10.1 Cancellation by You

You may cancel your membership at any time by providing written notice to privacy@assurna.com. Cancellations will take effect at the end of your current billing period. Unused portions of membership fees are non-refundable unless otherwise stated in your membership agreement.

10.2 Termination by Assurna

We may suspend or terminate your membership and access to services at any time, with or without cause, if:

• You breach any provision of these Terms.
• You provide false, misleading, or incomplete information.
• Your conduct is harmful to other members, our staff, or our reputation.
• Non-payment of fees after reasonable notice.

10.3 Effect of Termination

Upon termination, your right to access our services will cease immediately. We will retain your health records in accordance with applicable medical record retention laws. Sections of these Terms that by their nature should survive termination (including confidentiality, intellectual property, limitation of liability, and dispute resolution) shall remain in effect.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• ASSURNA, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES.
• OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO ASSURNA DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
• WE DO NOT GUARANTEE SPECIFIC HEALTH OUTCOMES, LONGEVITY RESULTS, OR BIOLOGICAL AGE REVERSAL.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above limitations may not apply, and you may have additional rights.

12. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ASSURNA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that our services will be uninterrupted, error-free, or free of harmful components, or that any health outcomes will be achieved.

13. Indemnification

You agree to indemnify, defend, and hold harmless Assurna Inc., its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of our services.
• Your violation of these Terms.
• Your violation of any third-party rights.
• Any information you provide to us that is false, misleading, or incomplete.

14. Dispute Resolution

14.1 Informal Resolution

Before initiating any formal proceedings, you agree to first contact us at privacy@assurna.com to attempt to resolve any dispute informally. We will endeavor to resolve the matter within 30 days of receiving your written complaint.

14.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute, controversy, or claim arising out of or relating to these Terms or our services shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall take place in Wilmington, Delaware. The arbitrator's decision shall be final and binding.

14.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against Assurna.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in the State of Delaware.

16. Force Majeure

Assurna shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, war, terrorism, labor disputes, power failures, or internet disruptions.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any applicable membership agreement, constitute the entire agreement between you and Assurna with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

19. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. Assurna may assign these Terms without restriction. Any attempted assignment in violation of this section shall be null and void.

20. Contact Us

If you have questions or concerns about these Terms of Service, please contact us: