Terms of Service

These Terms of Service ("Terms") are an agreement between you and TalkDoc, Inc. ("TalkDoc," "we," "us," or "our"). They apply when you access or use TalkDoc websites, applications, and related technology services (the "Platform"). If you do not agree, do not use the Platform.

TalkDoc operates the Platform. Licensed clinicians and professional entities ("Providers") deliver clinical services and exercise independent professional judgment. TalkDoc, Inc. does not itself practice medicine.

General website and Platform content is educational and is not a diagnosis, prescription, or substitute for advice from a qualified professional. Medical advice comes from your Provider during the clinical relationship.

You must be at least 18, or have the permission required for a minor under applicable law. You must provide accurate identity, age, location, insurance, and contact information. Clinical services are available only where a Provider is licensed and the service is offered. Availability, scheduling, and eligibility can change.

Telehealth may use video, audio, messaging, or other digital communication. It can involve delays, connection failures, privacy risks, and limits on what a Provider can examine remotely. By using telehealth services, you consent to this form of care as described in the Provider's consent materials. You may withdraw consent, although that may limit which services are available.

A Provider may decide that telehealth is not appropriate, decline a requested treatment, or recommend urgent, emergency, or in-person care. The Platform does not provide emergency services, hands-on examinations, or procedures.

Some features may use AI to assist with tasks such as organizing information, drafting content, or supporting a clinician's workflow. AI output can be incomplete, inaccurate, or inappropriate. Do not treat an AI response as emergency guidance or as a replacement for a qualified professional.

AI does not independently diagnose, prescribe, or make treatment decisions through TalkDoc. A licensed Provider remains responsible for clinical decisions. Features, processing methods, and review requirements may differ and may change over time.

Keep your login information private, maintain accurate account details, and tell us promptly about suspected unauthorized access. You are responsible for activity under your account unless applicable law says otherwise. Do not create an account for another person without legal authority.

Coverage and cost-sharing are determined by your health plan or other payor. A benefits check is not a guarantee of payment. You authorize the submission of claims and the collection of amounts you owe, subject to applicable law and the financial terms shown to you. If a service is not covered, you may be responsible for payment where permitted.

Providers may have policies for rescheduling, late cancellations, and missed appointments, including fees where allowed by law and your coverage. Review the applicable policy before booking.

You agree that TalkDoc and Providers may send account, appointment, care-coordination, billing, and other service messages using the contact details you provide. Standard carrier charges may apply. You can opt out of non-essential messages, but we may still send communications needed to operate your account or provide requested services.

Our Privacy Policy explains how TalkDoc handles information. A Provider's Notice of Privacy Practices governs protected health information used or disclosed in the clinical relationship where HIPAA applies.

You may not:

• Break the law, violate another person's rights, or impersonate someone.
• Harass others or submit unlawful, harmful, deceptive, or infringing content.
• Disrupt the Platform, bypass security, introduce malicious code, or access an account or system without permission.
• Scrape, crawl, copy, or reverse engineer the Platform except where the law does not allow us to restrict it.

You must have the right to submit content you provide. You give TalkDoc the limited rights needed to host, process, transmit, and display that content to operate the Platform and meet legal obligations. If you voluntarily provide product feedback, TalkDoc may use it without restriction or payment, but this does not change the rules governing clinical records or other protected information.

TalkDoc and its licensors own the Platform and its content. We give you a limited, personal, non-exclusive, non-transferable, revocable right to use the Platform for its intended purpose under these Terms.

Links and integrations may lead to services governed by someone else's terms and privacy practices. TalkDoc is not responsible for third-party content or services. If you download an app through an app store, that store's terms also apply.

We may add, change, suspend, or discontinue Platform features. We may also restrict or end access if you violate these Terms, create risk, or if needed for legal, operational, or security reasons. We do not promise that every feature will always be available or work without interruption.

To the fullest extent permitted by law, the Platform is provided "as is" and "as available." TalkDoc disclaims express and implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, or error-free.

Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you. Nothing in these Terms limits rights that cannot legally be waived.

To the fullest extent permitted by law, TalkDoc and its affiliates, officers, directors, employees, and agents are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, use, or goodwill. TalkDoc's total liability for claims arising from the Platform will not exceed the greater of $100 or the amount you paid TalkDoc in the 12 months before the event giving rise to the claim.

You agree to defend, indemnify, and hold TalkDoc and its affiliates harmless from claims and expenses arising from your unlawful use of the Platform, your content, or your material violation of these Terms. This obligation applies only to the extent permitted by law.

California law governs these Terms, without regard to conflict-of-law rules.

Before filing a claim, you and TalkDoc agree to try to resolve it informally for 30 days. Except for eligible small-claims matters or requests for injunctive relief, disputes will be resolved by binding arbitration under the AAA Consumer Arbitration Rules on an individual basis. You and TalkDoc waive participation in class actions and class arbitration.

Claims that are not subject to arbitration must be brought in the state or federal courts located in Los Angeles County, California, and each party consents to that jurisdiction and venue.

We may update these Terms by posting a revised version and effective date. If a term is unenforceable, it will be adjusted only as much as needed and the rest will remain in effect. These Terms are the full agreement about the Platform unless another written agreement expressly applies. You may not assign these Terms without our consent; TalkDoc may assign them as part of its business or by operation of law.

Questions about these Terms can be sent to support@talkdoc.com. Do not use email for emergencies.