Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Member," "you," or "your") and 1 World Insurance LLC, doing business as Med Concierge ("Med Concierge," "we," "us," or "our"). By downloading, installing, accessing, or using the Med Concierge mobile application ("App"), you agree to be bound by these Terms. If you do not agree, do not use the App.

2. Description of Service

Med Concierge is a mobile application designed to help Medicare Advantage beneficiaries manage their health plan benefits. The App provides the following services:

• Digital ID Card: View your plan details, copay information, and contact numbers.
• Benefits Summary: Access and ask questions about your plan's Summary of Benefits using AI-assisted Q&A.
• Provider Search: Find in-network doctors, specialists, and healthcare providers near you.
• Pharmacy Finder: Locate nearby pharmacies with in-network and preferred status indicators.
• Medication Reminders: Set and manage reminders for medication adherence.
• Family/Caregiver Access: Authorize family members or caregivers to view limited plan information on your behalf.

3. Data Collection and Privacy

a) No Data Selling

We do not sell, rent, or trade your personal information or health data to any third party. Period.

b) Information We Collect

To provide our services, we collect and process:

• Phone number (for authentication)
• First and last name
• Medicare number (encrypted at rest using AES-256-GCM)
• Plan number and plan name
• Zip code
• Medications you enter (encrypted at rest)
• Medication reminder schedules
• Push notification tokens

c) How We Use Your Information

Your data is used exclusively to:

• Authenticate your identity and maintain your session
• Display your plan benefits and coverage details
• Search for in-network providers and pharmacies near you
• Send medication reminders and plan-related notifications

d) Data Storage and Encryption

Sensitive health information (Medicare numbers, medications) is encrypted at rest using AES-256-GCM. All data transmitted between your device and our servers is encrypted using TLS. Plan details stored on your device are encrypted and secured behind your device's biometric lock.

e) Third-Party Services

The App uses the following third-party services to deliver functionality:

• Anthropic (Claude AI) — to power the AI-assisted benefits Q&A feature. Anthropic does not retain your data after processing.
• Google Maps Platform — to locate nearby providers and pharmacies. Only de-identified data (zip codes, provider names from public directories) is sent to Google.
• Insurance Carrier APIs — to retrieve in-network provider directories for your specific plan.
• CMS Data — publicly available plan benefit and pharmacy network data.
• Twilio — to deliver SMS one-time passcodes for authentication.
• Sentry — for application error monitoring. All personal and health information is scrubbed before transmission.
• Expo Push Notification Service — to deliver medication reminders and plan notifications.

f) Data Retention

Session data is retained for 2 hours. OTP codes expire after 3 minutes. Medication reminders are retained until you delete them. Benefits usage records are retained for the current benefit year plus one year, then automatically purged. Audit logs are retained for 7 years.

g) Privacy Policy

Our complete privacy practices are described in our Privacy Policy.

4. Your Rights

• Right to Access: You may view and export your data at any time through the App.
• Right to Deletion: You may request deletion of your data by contacting support. All data will be purged within 30 days.
• Right to Opt Out: You may opt out of push notifications at any time through the App's Settings screen or your device settings.
• Right to Revoke Caregiver Access: You may revoke any caregiver's access at any time through the App's Family Access settings.
• Right to Sign Out: Signing out of the App removes all locally stored data from your device immediately.

5. HIPAA Compliance

• Covered Entity: 1 World Insurance LLC maintains full HIPAA compliance with appropriate administrative, technical, and physical safeguards to protect your Protected Health Information (PHI) in compliance with HIPAA and the HITECH Act.
• Minimum Necessary Standard: We access and display only the minimum health information necessary to provide the App's services.
• Audit Trail: All access to sensitive data within the App is logged in an audit trail maintained for a minimum of 7 years.
• Caregiver/Family Authorization: If you authorize a caregiver or family member, you are providing authorization for that individual to view limited plan details. Caregivers cannot view your full Medicare number or claims data.

6. Eligibility

You must meet the following requirements to use the App:

• You are a current Medicare Advantage plan member enrolled through Med Concierge, or an authorized caregiver/family member of such a member.
• You are at least 18 years of age.
• You have a valid U.S. mobile phone number capable of receiving SMS messages.
• You reside in the United States.

7. Account Registration and Authentication

• Phone Verification: The App uses phone-based authentication with a one-time passcode (OTP) sent to your mobile phone number on file.
• Biometric Authentication: You may optionally enable device biometrics. Biometric data is processed locally on your device and is never transmitted to our servers.
• Account Security: You are responsible for maintaining the security of your device and access credentials.
• Single User: Each account is intended for use by a single individual. Authorized caregiver access is available through the App's dedicated Family Access feature.

8. Information Provided Through the App

• Not Medical Advice: The information provided through the App is for informational purposes only. It does not constitute medical advice, diagnosis, or treatment. Always consult your healthcare provider for medical decisions.
• Not Insurance Advice: While we are a licensed health insurance agency, information displayed in the App is a summary of your existing plan benefits. For complete plan details, refer to your Evidence of Coverage (EOC) document or contact your plan's member services.
• AI-Assisted Features: Certain features use artificial intelligence to help you understand your benefits. AI-generated responses are based on your plan's Summary of Benefits document and may not reflect every plan exception, limitation, or recent change.
• Accuracy: We make reasonable efforts to ensure the information displayed is accurate and current. However, benefit details, provider networks, drug formularies, and pharmacy networks are maintained by your insurance carrier and CMS and may change without notice.

9. Prohibited Uses

You agree not to:

• Use the App for any purpose other than managing your personal health plan benefits or those of a member who has authorized you as a caregiver.
• Attempt to access another member's account or information without authorization.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App.
• Use the App to transmit any malicious code, viruses, or harmful content.
• Use automated scripts, bots, or other tools to access the App's services.
• Circumvent, disable, or interfere with any security features of the App.
• Use the App in any manner that violates applicable federal, state, or local laws or regulations.

10. Intellectual Property

• Ownership: The App, including its design, functionality, code, content, and trademarks, is owned by 1 World Insurance LLC and is protected by copyright, trademark, and other intellectual property laws.
• Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to use the App on your personal mobile device solely for the purposes described in these Terms.
• Third-Party Data: Plan benefit data, formulary information, and provider directory data are sourced from CMS and insurance carriers and remain the property of their respective owners.

11. Disclaimers

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee uninterrupted or error-free operation of the App. Features that depend on third-party services (provider search, drug cost lookup, pharmacy finder) are subject to the availability of those services.

We are not responsible for the accuracy, completeness, or timeliness of data provided by insurance carriers, CMS, or other third-party sources.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 1 WORLD INSURANCE LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF BENEFITS, OR DAMAGES ARISING FROM RELIANCE ON INFORMATION PROVIDED THROUGH THE APP, REGARDLESS OF THE CAUSE OF ACTION OR THEORY OF LIABILITY.

Our total liability for any claim arising from or related to these Terms or your use of the App shall not exceed one hundred dollars ($100.00).

13. Indemnification

You agree to indemnify, defend, and hold harmless 1 World Insurance LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your misuse of the App.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you through the App or via your registered phone number. Your continued use of the App after such notification constitutes acceptance of the modified Terms.

15. Termination

• By You: You may stop using the App at any time. Signing out removes all locally stored data from your device.
• By Us: We may suspend or terminate your access at any time, with or without cause, including if we reasonably believe you have violated these Terms.
• Effect of Termination: Upon termination, your license to use the App is revoked. Sections 10 through 13 shall survive termination.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the App shall be resolved in the state or federal courts located in Broward County, Florida.

17. Communications

By using the App, you consent to receive SMS messages for authentication purposes (OTP codes). You also consent to receive push notifications related to your plan benefits and medication reminders. You may opt out of push notifications at any time. Standard message and data rates may apply.

18. Accessibility

We are committed to making the App accessible to all users. If you experience accessibility issues, please contact us so we can work to address them.

19. Contact Information

21. Emergency Services

The App is not designed for medical emergencies. If you are experiencing a medical emergency, call 911 or your local emergency number immediately. Do not rely on this App for urgent or time-sensitive medical situations.

22. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

23. Waiver

The failure of Med Concierge to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Med Concierge.

24. Assignment

You may not assign or transfer these Terms or your rights hereunder without the prior written consent of Med Concierge. Med Concierge may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets. Any attempted assignment in violation of this section shall be void.

25. Force Majeure

Med Concierge shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, government actions, internet or telecommunications failures, power outages, or third-party service disruptions.

26. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 1 World Insurance LLC regarding your use of the App and supersede any prior agreements.