Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "Member") and ASSURNA, Inc., a Delaware C-Corporation ("ASSURNA," "we," "us," or "our"), governing your access to and use of the ASSURNA website at assurna.com (the "Site"), mobile applications (the "App"), longevity intelligence platform (the "Platform"), and all related services, features, content, and functionality (collectively, the "Services").

By creating an account, accessing, or using any part of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy (available at assurna.com/privacy), and all applicable laws and regulations.

If you do not agree to these Terms, you must not access or use our Services.

We may update these Terms from time to time. We will provide you with notice of material changes at least thirty (30) days before they take effect by email and/or a prominent notice on our Platform. Your continued use of the Services after the effective date constitutes your acceptance of the updated Terms.

2. Eligibility

To use our Services, you must:

• Be at least eighteen (18) years of age
• Have the legal capacity to enter into a binding agreement
• Be a resident of or located in the United States at the time of enrollment
• Not have been previously suspended or removed from the Services
• Not be prohibited from receiving our Services under applicable law

By using our Services, you represent and warrant that you meet all eligibility requirements. If you are using the Services on behalf of an organization, you further represent that you are authorized to bind that organization to these Terms.

3. Account Registration and Security

3.1 Account Creation

To access the Services, you must create an account by providing accurate, current, and complete information as prompted by our registration form. You agree to update your information promptly if it changes.

3.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your account credentials
• Enabling and maintaining multi-factor authentication (MFA)
• All activities that occur under your account
• Immediately notifying ASSURNA of any unauthorized use

3.3 One Account Per Person

Each account is for a single individual. You may not share your account credentials or allow others to access your account. You may not create multiple accounts.

4. Description of Services

ASSURNA provides a longevity intelligence platform that integrates health data from multiple sources to deliver personalized health optimization insights and protocols. Our Services include:

• Integration of wearable device data (Whoop, Oura, Apple Watch, Garmin, Withings, Eight Sleep, Fitbit)
• Integration of laboratory and diagnostic results (Quest Diagnostics, Labcorp)
• Integration of continuous glucose monitoring (CGM) data (Dexcom, FreeStyle Libre, Levels)
• Integration of genetic and epigenetic data (TruDiagnostic, 23andMe)
• AI-powered biomarker analysis and biological age calculation
• Personalized longevity protocol generation
• Health data visualization, trend analysis, and real-time monitoring
• Educational content related to longevity and healthspan optimization

The specific features and functionality may change over time. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time.

5. Medical Disclaimer

5.1 ASSURNA Is Not a Medical Provider

ASSURNA IS NOT A LICENSED MEDICAL PROVIDER, HEALTHCARE FACILITY, PHYSICIAN, NURSE, PHARMACIST, OR OTHER HEALTHCARE PROFESSIONAL. ASSURNA does not practice medicine, provide medical diagnoses, prescribe medications, or render medical treatment of any kind.

5.2 Not Medical Advice

The information, content, insights, protocols, recommendations, and suggestions provided through the Services (including all AI-generated outputs) are for informational, educational, and wellness optimization purposes only and do not constitute medical advice, diagnosis, or treatment.

5.3 Consult Your Physician

You should ALWAYS consult with a qualified healthcare professional before:

• Making any changes to your diet, exercise, supplement intake, or lifestyle
• Starting, stopping, or modifying any medication or treatment
• Relying on any biomarker analysis or biological age calculation
• Making health-related decisions based on data presented through the Services

5.4 No Doctor-Patient Relationship

Your use of the Services does not create a doctor-patient relationship or any other clinical relationship between you and ASSURNA.

5.5 Emergency Situations

5.6 Supplement Disclaimer

Any supplement recommendations are for informational purposes only. Dietary supplements are not evaluated or approved by the FDA to diagnose, treat, cure, or prevent any disease. Consult with a healthcare provider before taking any supplement.

5.7 AI-Generated Content Disclaimer

You acknowledge and agree that:

• AI-generated outputs are probabilistic and may contain errors
• AI-generated recommendations are not a substitute for clinical judgment
• ASSURNA does not guarantee the accuracy of any AI-generated content
• You assume all risk associated with reliance on AI-generated content

5.8 Third-Party Data Accuracy

ASSURNA integrates data from third-party wearable devices, laboratories, and health data providers. We do not control, verify, or guarantee the accuracy of data received from these sources.

5.9 No Guarantees of Results

ASSURNA MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE HEALTH OUTCOMES, LONGEVITY BENEFITS, OR OTHER RESULTS YOU MAY EXPERIENCE FROM USING THE SERVICES.

6. Subscription, Payment, and Billing

6.1 Membership Plans

Access to the Services requires a paid membership. Details of available plans are on our Site. ASSURNA reserves the right to modify pricing at any time. Changes will take effect at the next renewal.

6.2 Billing and Payment

By subscribing, you authorize ASSURNA to charge your designated payment method at the applicable rate. All fees are in U.S. dollars.

6.3 Automatic Renewal

Your membership will automatically renew unless you cancel before the renewal date. Cancel through account settings or by contacting support@assurna.com.

6.4 Refund Policy

All fees are non-refundable except as required by law. Contact us within 30 days at support@assurna.com if you believe you were charged in error.

6.5 Taxes

All fees are exclusive of applicable taxes. You are responsible for all such taxes.

7. User Responsibilities and Acceptable Use

7.1 Accurate Information

You agree to provide accurate, truthful, and complete information. Inaccurate information may result in inaccurate outputs, and ASSURNA bears no responsibility for consequences arising from inaccurate information you provide.

7.2 Prohibited Conduct

You agree not to:

• Use the Services for any unlawful purpose
• Provide false, misleading, or fraudulent information
• Access accounts, data, or systems that do not belong to you
• Reverse engineer, decompile, or derive source code from the Platform
• Use automated systems (bots, scrapers) to extract data
• Interfere with or disrupt the Services
• Circumvent security-related features
• Commercially exploit any portion of the Services without consent
• Upload viruses, malware, or harmful code
• Use the Services to develop competing products

7.3 Health Data Responsibility

You are solely responsible for all decisions regarding your health and wellness. You retain full responsibility for deciding whether and how to act on any information provided through the Services.

8. Intellectual Property

8.1 ASSURNA's Intellectual Property

The Services, including the Platform, software, algorithms, AI models, user interface designs, graphics, text, images, logos, and trademarks are owned by or licensed to ASSURNA and protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial health optimization purposes.

8.2 Your Content and Data

You retain ownership of your personal information and health data. By providing your content, you grant us a non-exclusive, worldwide, royalty-free license to use, process, store, and analyze your content solely to provide the Services.

8.3 Feedback

If you provide feedback, suggestions, or ideas, you assign to ASSURNA all right, title, and interest in such feedback.

9. Third-Party Services and Integrations

The Services integrate with third-party products, services, and applications including wearable devices, laboratories, and health data platforms. You acknowledge:

• Third-Party Services are governed by their own terms and privacy policies
• ASSURNA does not control or assume responsibility for Third-Party Services
• ASSURNA is not liable for any loss caused by your use of Third-Party Services
• Availability and reliability of Third-Party Services are outside ASSURNA's control

10. Health Data, Apple HealthKit, and Wearable Integrations

10.1 Your Authorization

When you connect a health data source to ASSURNA, you authorize us to access, read, and process the specific data categories you approve. You may revoke this authorization at any time.

10.2 Apple HealthKit Compliance

In accordance with Apple's requirements, ASSURNA will not:

• Use HealthKit data for advertising or similar services
• Sell HealthKit data to advertising platforms or data brokers
• Use HealthKit data for any purpose other than providing health-related functionality
• Disclose HealthKit data to third parties without your express consent

10.3 Data Accuracy Disclaimer

ASSURNA does not manufacture, maintain, or calibrate any wearable device or laboratory instrument. We are not responsible for the accuracy or proper functioning of any hardware or software used to collect your health data.

11. Disclaimers of Warranties

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you in full.

12. Limitation of Liability

12.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASSURNA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES.

12.2 Cap on Liability

ASSURNA's total cumulative liability shall not exceed the greater of: (a) the total amount you have paid to ASSURNA in the twelve (12) months preceding the event, or (b) one hundred dollars ($100.00).

12.3 Specific Exclusions

ASSURNA shall not be liable for:

• Any adverse health outcomes from reliance on the Services
• Decisions you make based on information from the Services
• Inaccuracies in third-party data
• Unauthorized access to your data (except due to our gross negligence)
• Events beyond ASSURNA's reasonable control

13. Indemnification

You agree to indemnify, defend, and hold harmless ASSURNA and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, and fees arising from:

• Your use of the Services
• Your violation of these Terms or any applicable law
• Your violation of any third-party rights
• Any content or data you submit through the Services
• Your negligence, willful misconduct, or misuse of the Services
• Any health decisions you make based on the Services

14. Assumption of Risk

You expressly acknowledge that your use of the Services is at your sole risk. You voluntarily assume all risks associated with:

• Relying on AI-generated health insights and protocols
• Making dietary, supplement, exercise, or lifestyle changes
• Inherent limitations in wearable device and laboratory data
• Interpretation of biomarker data and biological age calculations
• Data transmission over the internet

15. Termination

15.1 Termination by You

You may cancel your membership and terminate your account at any time through your account settings or by contacting support@assurna.com. You will retain access through the end of your billing period.

15.2 Termination by ASSURNA

ASSURNA may suspend or terminate your account at any time if:

• You breach these Terms or any applicable law
• You engage in harmful, fraudulent, or disruptive conduct
• Your account has been inactive for an extended period
• We are required to do so by law
• We discontinue the Services

15.3 Effect of Termination

Upon termination:

• Your license to use the Services is immediately revoked
• ASSURNA will retain your data in accordance with our Privacy Policy
• You may request export or deletion of your data

16. Modifications to Services

ASSURNA reserves the right to modify, update, suspend, or discontinue any aspect of the Services at any time, including adding or removing features, changing algorithms, or altering availability of integrations. We will use reasonable efforts to provide advance notice of material changes.

17. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of laws principles. Subject to the arbitration provisions in Section 18, any legal action shall be brought exclusively in Delaware state or federal courts, and you consent to the jurisdiction of such courts.

18. Dispute Resolution and Arbitration

18.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact ASSURNA at legal@assurna.com and attempt to resolve the dispute informally for at least sixty (60) days.

18.2 Binding Arbitration

If we cannot resolve a dispute informally, you and ASSURNA agree that any dispute will be resolved through final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules.

18.3 Class Action and Jury Trial Waiver

18.4 Opt-Out Right

You may opt out of this arbitration provision by sending written notice to legal@assurna.com within thirty (30) days of first accepting these Terms.

18.5 Statute of Limitations

Any claim must be filed within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

19. General Provisions

19.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and ASSURNA regarding your use of the Services.

19.2 Severability

If any provision is held invalid, it shall be modified to the minimum extent necessary or severed. The remaining provisions shall remain in full force.

19.3 Waiver

No waiver of any term shall be deemed a continuing waiver. ASSURNA's failure to enforce any provision shall not constitute a waiver.

19.4 Assignment

You may not assign these Terms without ASSURNA's consent. ASSURNA may assign these Terms at any time without notice.

19.5 Force Majeure

ASSURNA shall not be liable for any delay or failure resulting from causes beyond our reasonable control.

19.6 Electronic Communications

By using the Services, you consent to receiving electronic communications from ASSURNA, including emails, push notifications, and in-app messages.

20. Contact Information

For questions or concerns about these Terms, please contact:

21. Acknowledgment