Platform Member Subscription Agreement

Last Updated: July 28, 2026

This Platform Member Subscription Agreement (“Agreement”) is a binding contract between you (“Member,” “you,” or “your”) and Norava Corporation, a Delaware corporation doing business as Norava Health (“Norava,” “we,” “us,” or “our”), with its principal place of business at 6430 South Street, Lakewood, CA 90713.

By enrolling in a Norava Health wellness tier, you agree to this Agreement in its entirety, including the binding arbitration provision and class action waiver in Section 17. Please read this Agreement carefully before enrolling.

1. Overview of the Norava Health Platform

1.1 What Norava Health Is

Norava Health is a health and wellness platform that provides biomarker testing, physician-reviewed health analysis, technology-assisted wellness insights, and wellness and health optimization consultations. Your tier fee pays for the specific non-covered services described in your selected tier.

1.2 Who Delivers Your Care

All services involving clinical judgment — including biomarker review, wellness consultations, health evaluations, and recommendations — are provided by licensed physicians and qualified healthcare providers at ContinuEM and New Cadence Healthcare, each a California professional corporation (each a “Clinical Provider” and collectively “Clinical Providers”). All clinical decisions are made by licensed physicians exercising independent medical judgment.

1.3 What Norava Health Is Not

Norava Health provides the technology platform, administrative services, scheduling, member support, and management services that support your experience. Norava Health does not practice medicine, does not make clinical decisions, and does not employ your treating physicians. Norava Health is a management services organization, not a healthcare provider.

1.4 This Is Not Health Insurance

Your Norava Health tier fee is a direct payment for the specific non-covered services described in your tier. Your tier fee is not health insurance, and Norava Health is not a health insurance company, health maintenance organization, or health care service plan. You should maintain your own health insurance or Medicare coverage for covered services, including the diagnosis and treatment of specific medical conditions, hospitalizations, emergency care, specialist visits, surgeries, and prescription medications.

1.5 Two Types of Services — Two Billing Pathways

Your experience through the Norava platform may involve two categories of physician services, each with its own billing pathway:

Non-Covered Services (included in your tier fee). These are services that are not covered by Medicare or your health insurance plan — including wellness consultations, biomarker review that does not diagnose or treat a specific condition, health optimization work, general health communications, and other services that fall outside Medicare’s coverage categories. These services are provided on a direct-pay basis and are covered by your tier fee. No claims are submitted to Medicare, your health insurance, or any government program for Non-Covered Services.

Covered Services (billed separately). If, during the course of your care, your physician identifies a specific medical condition that requires diagnosis, active prescribing, or ongoing management — services that meet Medicare covered service requirements or are covered by your health insurance plan — those services will be processed as a separate encounter and billed according to Medicare or your health plan’s claim submission requirements. Covered Services are not included in your tier fee. They are entirely separate from the Non-Covered Services you receive through your Norava tier.

Your physician will determine, based on clinical judgment, when a service crosses from non-covered to covered. When that occurs, the covered encounter will be documented, coded, and submitted as a separate claim in the ordinary course. You are responsible for any copayments, coinsurance, or deductibles associated with Covered Services under your plan.

1.6 Outside Services

When your physician orders laboratory tests, imaging studies, specialist referrals, or other diagnostic services from providers that are not affiliated with Norava, New Cadence Healthcare, or ContinuEM (“Outside Services”), those outside providers may bill your health insurance or Medicare in the ordinary course. You are responsible for any costs associated with Outside Services as determined by your plan. Norava does not control the billing practices of unaffiliated providers.

2. Eligibility

2.1 Age

You must be at least eighteen (18) years of age to enroll in a Norava Health wellness tier.

2.2 Location

Certain services, including virtual consultations and in-person consultations, are available only when you are located in states where our Clinical Providers are licensed to practice. In-person services are currently available in Southern California. We will inform you if specific services are unavailable in your location.

2.3 Accurate Information

You agree to provide accurate, complete, and current information during enrollment and to update your information promptly if it changes. This includes your legal name, date of birth, contact information, health insurance information, and your physical location at the time of any virtual consultation.

3. Wellness Service Tiers

Your tier fee is a direct payment for the specific Non-Covered Services described below. These services do not fall within Medicare’s coverage categories and are not covered by most health insurance plans, which is why you pay for them directly. If your physician determines during the course of your care that a service meets Medicare covered service requirements, that service will be processed as a Covered Service under a separate encounter and billed according to applicable claim submission requirements as described in Section 1.5(ii).

3.1 Essential Tier — $39 per month (billed annually at $468)

A wellness baseline built on your biomarker data.

One (1) comprehensive biomarker panel per year, collected at home, in-clinic, or at a partnered draw site (specimen collection and laboratory processing included in your tier fee)

Physician-reviewed, technology-assisted health analysis with wellness report and risk scoring — review and analysis of biomarker data for general health optimization purposes, not tied to the diagnosis or treatment of a specific medical condition

Two (2) asynchronous wellness communication threads with a licensed clinician — for general health questions related to your biomarker results and overall wellness optimization

Read-only access to your wellness report through the Norava platform

3.2 Optimize Tier — $89 per month (billed quarterly at $267 per quarter)

Deeper data, additional consultations, and a personalized wellness protocol.

Two (2) biomarker panels per year, plus targeted add-on panels (metabolic, hormone, micronutrient) as appropriate for your wellness assessment (specimen collection and laboratory processing included in your tier fee)

Physician-reviewed, technology-assisted health analysis with wellness report and risk scoring for each panel

Two (2) virtual wellness consultations per year with a licensed physician or nurse practitioner — focused on reviewing your biomarker results, discussing your wellness and optimization protocol, and addressing nutrition, exercise, and lifestyle factors

Personalized nutrition and wellness protocol developed by your clinical team using technology-assisted analysis

Wellness pricing at participating urgent care and imaging centers within the service area, subject to availability

3.3 Intervention Tier — $139 per month

Billing options: (i) monthly at $139.00 per month; or (ii) semi-annually at $750.60 per semi-annual period (a 10% discount, reflecting an effective rate of $125.10 per month).

Comprehensive health optimization with a physician relationship.

Everything in the Optimize Tier

Quarterly physician wellness and optimization consultations (virtual or in-person, depending on location; up to two in-person consultations per year, up to four total consultations per year with in-person consultations reducing the virtual consultation allocation) — focused on reviewing longitudinal biomarker data, discussing cardiometabolic and hormonal health trends, and refining your long-term optimization strategy

Access to health optimization protocols including GLP-1 support, cardiometabolic optimization, hormonal health, and recovery support — with transparent pricing for any prescribed medications (prescription costs are your responsibility and are not included in your tier fee). If prescribing or protocol management crosses into the active treatment or management of a specific diagnosed medical condition, that service will be processed as a Covered Service and billed separately per Section 1.5(ii).

Semi-annual comprehensive biomarker panel plus targeted panels (advanced hormones, inflammation markers, wearable data integration where available), with specimen collection and laboratory processing included in your tier fee

Longitudinal health tracking — your biomarker data benchmarked against your own baseline over time

Pathway to establish a physician relationship with New Cadence Healthcare for your annual routine physical examination and ongoing wellness follow-up (subject to physician availability and panel capacity)

3.4 Included Costs

Tier fees include the cost of laboratory testing, specimen collection (at-home, in-clinic, or partnered draw site), and laboratory processing for the biomarker panels described in your tier. Tier fees do not include: prescription medication costs; Covered Services (which are billed separately per Section 1.5(ii)); Outside Services (which are billed by outside providers per Section 1.6); or third-party charges unrelated to your included biomarker panels.

3.5 Allocated Panel Cost

The allocated cost of each biomarker panel included in your tier is $300.00, reflecting laboratory processing, specimen collection, and related logistics costs. This allocated cost is used to calculate refunds for delivered panels as described in Section 6.

3.6 Service Descriptions Are Not Guarantees

The Non-Covered Services described in each tier represent what is included in your tier. The actual services you receive depend on your individual health needs as determined by your Clinical Provider. Your physician may determine that certain services are not appropriate for you, that you require services beyond your tier’s description, or that a particular service meets the criteria for a Covered Service and must be billed separately. Tier descriptions do not limit your physician’s clinical judgment.

3.7 Add-On Services

We may offer optional add-on services, including imaging bundles, specialty testing, and other diagnostic services. Add-on services are priced separately and transparently. Clinical decisions regarding add-on services remain with your Clinical Provider.

3.8 Changes to Tier Offerings

We may modify the Non-Covered Services included in each tier upon thirty (30) days’ prior written notice to you. If a modification materially reduces the services in your current tier, you may cancel without penalty before the modification takes effect and receive a refund for undelivered services as described in Section 6.

4. Enrollment and Account

4.1 Enrollment

Your tier enrollment begins when you complete enrollment through the Norava Health platform and your first payment is processed. Enrollment constitutes your acceptance of this Agreement.

4.2 Meet-and-Greet

We offer a complimentary introductory consultation — in person, by phone, or by video — so you can learn about the platform and determine whether Norava Health is right for you before you commit. The meet-and-greet is not a clinical encounter and does not establish a physician-patient relationship.

4.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at info@noravahealth.com if you suspect unauthorized access to your account.

4.4 One Member per Account

Each tier enrollment is for a single individual. You may not share your account credentials or services with any other person.

5. Fees, Billing, and Payment

5.1 Tier Fees

The fee for your selected tier is as follows:

Essential Tier: $39.00 per month, billed annually at $468.00

Optimize Tier: $89.00 per month, billed quarterly at $267.00 per quarter

Intervention Tier (monthly billing): $139.00 per month, billed monthly

Intervention Tier (semi-annual billing): $750.60 per semi-annual period (10% discount; effective rate of $125.10 per month)

5.2 Payment Method

You authorize us to charge the payment method you provide at enrollment for all tier fees, add-on service charges, and applicable taxes. You agree to maintain a valid payment method on file throughout your enrollment.

5.3 Automatic Renewal

Your tier automatically renews at the end of each billing period (annually, quarterly, monthly, or semi-annually, depending on your tier and selected billing cycle) at the then-current tier fee, unless you cancel before the renewal date. You will be charged the applicable tier fee on each renewal date using the payment method on file.

5.4 Renewal Notice

We will send you a reminder of your upcoming renewal and the applicable fee at least seven (7) days before each renewal date. The reminder will be sent to the email address on file and will include instructions for canceling if you do not wish to renew.

5.5 Price Changes

We may change tier fees upon thirty (30) days’ prior written notice to you. Fee changes take effect at the start of your next billing period. If you do not agree to a fee change, you may cancel before the new fee takes effect and receive a refund for undelivered services as described in Section 6.

5.6 Taxes

Tier fees are exclusive of applicable taxes. You are responsible for all applicable sales, use, or similar taxes.

5.7 Failed Payments

If a payment fails, we will notify you and attempt to process the charge up to two additional times over the following fourteen (14) days. If payment is not received within fourteen (14) days of the original due date, we may suspend your access to platform features and services until payment is received. If payment is not received within thirty (30) days, we may terminate your enrollment.

5.8 Add-On Charges

Fees for add-on services are charged at the time of purchase or, for recurring add-ons, on the billing cycle specified at the time of purchase.

5.9 No Insurance or Medicare Billing for Non-Covered Services

Your tier fee is a direct payment for Non-Covered Services. No claims will be submitted to Medicare, your health insurance, or any government program for Non-Covered Services provided through the Norava platform. You may not submit your tier fee to your health insurance or Medicare for reimbursement.

5.10 Separate Billing for Covered Services

If your physician determines during your care that a service meets Medicare covered service requirements or is covered by your health insurance plan, that service will be documented as a separate encounter and billed to Medicare or your health plan in accordance with applicable claim submission requirements. You are responsible for any copayments, coinsurance, deductibles, or other patient responsibility amounts associated with Covered Services. Covered Services are not included in and are not paid by your tier fee.

5.11 Insurance and Outside Services

Your health insurance or Medicare may be used for Outside Services — laboratory tests, imaging studies, specialist referrals, or diagnostics ordered by your physician from providers not affiliated with Norava, New Cadence Healthcare, or ContinuEM. Those outside providers bill your insurance in the ordinary course.

5.12 HSA/FSA Eligibility

Your tier fee for Non-Covered Services may qualify as a deductible medical expense under Internal Revenue Code Section 213(d) and may be eligible for payment from a Health Savings Account (HSA), Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA), or Medical Savings Account (MSA). Consult your tax advisor for guidance on your specific situation.

6. Cancellation and Refunds

6.1 Cancellation Right

You may cancel your tier at any time, for any reason, unconditionally. Cancellation immediately stops all future automatic renewals. You will not be charged for any billing period after cancellation. To cancel:

Submit a cancellation request through your account on the Norava Health platform; or

Send a written cancellation request to info@noravahealth.com or by mail to Norava Corporation, 6430 South Street, Lakewood, CA 90713.

Your cancellation will be processed within five (5) business days of receipt.

6.2 Continued Access After Cancellation

After cancellation, you retain access to your Non-Covered Services and the platform through the end of the billing period you have already paid for. No further charges will be made. Cancellation of your tier does not affect any pending or processed Covered Service claims.

6.3 Unconditional Full Refund Window

You are entitled to a full refund of your most recent tier payment if all of the following conditions are met:

You cancel within seven (7) days of your initial enrollment date or, for renewals, within seven (7) days of your most recent renewal charge; and

No lab collection kit has been shipped to you, no specimen has been collected, and no biomarker panel has been submitted for processing; and

No virtual consultation, in-person consultation, or asynchronous wellness communication thread has been initiated or completed.

If all three conditions are met, your full refund will be issued to the original payment method within fifteen (15) business days of cancellation.

6.4 Refunds After the Unconditional Window — General Rule

If you cancel after the seven-day unconditional window, or if any service described in Section 6.3(ii) or (iii) has been delivered, refunds are based solely on Non-Covered Services that have not yet been delivered or consumed during your current tier year — not on a calendar-based fraction of your billing period. The following are non-refundable once delivered:

Biomarker panels for which a specimen has been collected or a lab kit has been shipped, regardless of whether results have been returned, valued at $300.00 per panel (the Allocated Panel Cost set forth in Section 3.5)

Virtual consultations and in-person consultations that have been completed

Asynchronous wellness communication threads that have been initiated (a thread is initiated when your message is submitted through the platform)

Wellness reports and risk scoring generated from completed biomarker panels

Health optimization protocol development, longitudinal tracking, and other services already rendered

A non-refundable administrative fee of $25.00 per tier year, which covers enrollment processing, account setup, and specimen collection coordination

6.5 Tier-Specific Refund Calculations.

6.5(a) Essential Tier (Annual Billing at $468.00). Your Essential tier includes one (1) biomarker panel and two (2) asynchronous wellness communication threads per tier year. The refundable value is calculated as follows:

• Start with the annual tier fee: $468.00.
• Subtract the non-refundable administrative fee: $25.00.
• Subtract the Allocated Panel Cost for each biomarker panel delivered (specimen collected or kit shipped): $300.00 per delivered panel.
• The remaining balance is allocated equally across the two (2) included asynchronous wellness communication threads. Subtract the allocated value of each thread that has been initiated.
• Your refund equals the remaining balance after all subtractions.
• 6.5(b) Optimize Tier (Quarterly Billing at $267.00 per quarter; $1,068.00 per tier year). Refunds are based on Non-Covered Services not yet delivered during the full tier year, regardless of which quarterly billing period you are in.
• Start with the total tier fees paid for the current tier year.
• Subtract the non-refundable administrative fee: $25.00.
• Subtract the Allocated Panel Cost for each biomarker panel delivered: $300.00 per delivered panel (up to $600.00 for two panels).
• Subtract the allocated value of each virtual wellness consultation completed.
• Subtract the allocated value of each asynchronous wellness communication thread initiated.
• Your refund equals the remaining balance after all subtractions, but in no event more than the total tier fees actually paid for the current tier year.
• Refunds are not calculated as a calendar-based fraction of any quarterly billing period.
• 6.5(c) Intervention Tier (Monthly Billing at $139.00). Refunds for monthly-billed Intervention tiers are calculated on a simple day-based proration of the current monthly billing period. No further charges are made after cancellation.
• 6.5(d) Intervention Tier (Semi-Annual Billing at $750.60). Refunds follow the same service-delivery-based model as the Essential and Optimize tiers.
• Start with the semi-annual payment: $750.60.
• Subtract the non-refundable administrative fee: $25.00.
• Subtract the Allocated Panel Cost for each biomarker panel delivered: $300.00 per delivered panel.
• Subtract the allocated value of each consultation completed.
• Subtract the allocated value of each asynchronous wellness communication thread initiated.
• Subtract the allocated value of optimization protocol management and longitudinal tracking services already rendered, calculated on a per-month basis for complete months.
• Your refund equals the remaining balance after all subtractions, but in no event more than the semi-annual payment made.
• Refunds are not calculated as a calendar-based fraction of the semi-annual billing period.

6.6 Refund Timing

All refunds will be issued to the original payment method within thirty (30) days of the cancellation effective date.

6.7 No Double Recovery

In no event shall any refund exceed the total tier fees actually paid for the applicable billing period or tier year.

6.8 Records After Cancellation

After cancellation, your health data and records maintained by the Clinical Providers will be retained in accordance with applicable medical record retention laws and the Clinical Providers’ Notice of Privacy Practices. You may request a copy of your medical records from the applicable Clinical Provider.

6.9 Re-Enrollment

If you cancel and wish to re-enroll, re-enrollment is subject to availability. A re-enrollment fee of $25.00 may apply.

7. Services and Clinical Care

7.1 Non-Covered Services (Tier Fee)

The following services are Non-Covered Services provided through the Norava platform on a direct-pay basis, covered by your tier fee, with no claims submitted to Medicare, your health insurance, or any government program:

Biomarker panel collection, processing, and review for general health optimization — where the review does not result in the diagnosis or active treatment of a specific medical condition

Technology-assisted health analysis, wellness reports, and risk scoring

Wellness and health optimization consultations focused on nutrition, exercise, lifestyle, longevity, and general health status

Asynchronous wellness communications related to biomarker results and general health optimization

Health optimization protocol development and longitudinal health tracking

General health communications between you and your physician related to your ongoing wellness and optimization program

7.2 Covered Services (Billed Separately)

If, during the course of your care through the Norava platform, your physician determines that a service meets Medicare covered service requirements or is covered by your health insurance plan, that service will be processed as a separate encounter and billed in accordance with applicable claim submission requirements. Covered Services include, but are not limited to:

Diagnosis of a specific medical condition identified during a wellness consultation or biomarker review

Active prescribing for the treatment of a specific diagnosed medical condition

Ongoing management, monitoring, or treatment of an identified medical condition

Any other service that falls within a Medicare benefit category or is covered under your health insurance plan

Your physician will determine, in the exercise of independent clinical judgment, when a service crosses from a Non-Covered Service to a Covered Service. When that determination is made, the Covered Service will be documented as a separate encounter, coded appropriately, and submitted as a claim to Medicare or your health plan. You are responsible for any copayments, coinsurance, deductibles, or other patient responsibility amounts.

7.3 How the Two Pathways Work Together

Your experience through the Norava platform may involve both Non-Covered Services and Covered Services, sometimes during the same visit or arising from the same clinical finding. For example:

Your physician reviews your biomarker panel as part of your wellness optimization consultation (Non-Covered Service, covered by your tier fee).

During that review, your physician identifies a specific medical condition that requires diagnosis or treatment (Covered Service, billed separately to Medicare or your health plan).

The wellness consultation portion remains a Non-Covered Service. The diagnosis and treatment portion is documented as a separate Covered Service encounter.

Your tier fee covers the Non-Covered Services. The Covered Service is billed through normal claims submission. The two are never bundled into a single fee.

7.4 Outside Services

When your physician determines you need laboratory tests, imaging studies, specialist referrals, or other services from providers not affiliated with Norava, New Cadence Healthcare, or ContinuEM, those outside providers may bill your health insurance or Medicare in the ordinary course. You are responsible for any costs associated with Outside Services.

7.5 Physician Relationship

Your physician-patient relationship is with your Clinical Provider (ContinuEM or New Cadence Healthcare), not with Norava Health. The same physician may provide both Non-Covered Services and Covered Services — the billing pathway depends on the nature of the service, not the identity of the physician.

7.6 Clinical Independence

All clinical decisions — including whether a service is Non-Covered or Covered, whether to order tests, make diagnoses, recommend treatments, prescribe medications, or refer you to specialists — are made solely by your treating physician in the exercise of independent medical judgment. Norava Health does not influence, direct, or interfere with your physician’s clinical decisions or coverage determinations.

7.7 Assignment to Clinical Provider

You will be assigned to a Clinical Provider based on geographic location, physician availability, your preferences, and other administrative factors. You may request reassignment at any time, subject to availability and panel capacity.

7.8 Panel Limitations

Clinical Provider panel sizes are limited to ensure quality of care. If your preferred physician’s panel is at capacity, you may be placed on a waitlist or assigned to a different physician, with your consent.

7.9 Right to Decline

Your Clinical Provider may, in its sole clinical discretion, decline to accept you or discontinue your care in accordance with applicable ethical obligations and law. If reassignment is not available, you may cancel and receive a refund for undelivered Non-Covered Services as described in Section 6.

7.10 Emergency Care

Your tier does not include emergency medical services. If you are experiencing a medical emergency, call 911 or go to your nearest emergency room.

7.11 Prescriptions

Prescriptions arising from Non-Covered Services (such as optimization protocols not tied to a diagnosed condition) are your responsibility at cash-pay pricing. Prescriptions arising from Covered Services (treatment of a diagnosed condition) may be covered by your health insurance or Medicare and will be processed through normal channels. Norava Health does not guarantee the availability, pricing, or insurance coverage of any medication.

8. Important Disclosures

8.1 Your Tier Fee Covers Non-Covered Services Only

Your tier fee is a direct payment for Non-Covered Services — services that do not fall within Medicare’s coverage categories and are not covered by most health insurance plans. Your tier fee does not cover Covered Services, Outside Services, prescription medications, emergency care, or hospitalizations.

8.2 Covered Services Will Be Billed to Medicare or Your Health Plan

When your physician determines that a service provided through the Norava platform meets Medicare covered service requirements or is covered by your health insurance, that service will be documented as a separate encounter and billed through normal claim submission processes. This is required by law for Medicare-credentialed providers furnishing covered services. You will be responsible for any applicable patient responsibility amounts.

8.3 Your Insurance Benefits Are Not Affected

Your enrollment in a Norava Health tier does not change, reduce, or waive your health insurance or Medicare benefits. You may continue to receive services from any provider of your choice outside the Norava platform.

8.4 You Are Not Required to Enroll

You are not required to enroll in a Norava Health tier to receive medical care from any provider, including providers affiliated with ContinuEM or New Cadence Healthcare.

8.5 Medicare Beneficiary Notice

If you are a Medicare beneficiary:

Non-Covered Services provided through your Norava tier are direct-pay and will not be billed to Medicare because they do not fall within Medicare’s coverage categories.

If your physician identifies a condition during Non-Covered Services that requires diagnosis, treatment, or management — services that Medicare covers — those Covered Services will be documented as a separate encounter and billed to Medicare in accordance with Medicare’s claim submission requirements.

Your Medicare benefits are not affected by your Norava enrollment. You may continue to receive Medicare-covered services from any Medicare provider.

If you have questions about how this arrangement interacts with your Medicare coverage, contact your Medicare plan or call 1-800-MEDICARE.

8.6 Right to Seek Care Elsewhere

Nothing in this Agreement restricts your right to seek care from any provider, to use your health insurance or Medicare for any covered service, or to receive a second opinion at any time.

9. Technology-Assisted Wellness Insights

9.1 How It Works

The Norava Health platform uses technology-assisted tools, including artificial intelligence, to analyze your biomarker and health data and generate wellness reports, risk scores, and health insights. These outputs are produced under the clinical direction and supervision of your Clinical Provider’s licensed physicians.

9.2 Not a Substitute for Medical Judgment

Technology-assisted insights are informational tools used under physician supervision. They do not constitute a medical diagnosis, are not a substitute for a medical examination for a specific health concern, and should not be used to make health decisions without consulting your physician.

9.3 Accuracy

Technology-assisted tools have inherent limitations. Results may be affected by data quality, specimen handling, laboratory variability, and the evolving nature of medical science. No technology-generated output is guaranteed to be complete, accurate, or applicable to your individual circumstances.

9.4 No Guaranteed Outcomes

Nothing in this Agreement, on the Norava Health platform, or in any communication from Norava Health or the Clinical Providers constitutes a guarantee of any specific health outcome.

10. Telehealth

10.1 Nature of Virtual Consultations

Virtual consultations are conducted by video, telephone, or secure messaging between you and a licensed provider at your Clinical Provider.

10.2 Limitations

Telehealth has inherent limitations, including the inability to perform a physical examination. Your physician will determine whether a virtual consultation is appropriate. Telehealth is not appropriate for medical emergencies.

10.3 Location

Virtual consultations are available only when you are physically located in a state where your treating provider is licensed to practice. You must accurately report your location.

10.4 Informed Consent

Before your first virtual consultation, you will review and acknowledge a Telehealth Informed Consent as required by law.

10.5 Coverage Determination During Virtual Consultations

If, during a virtual consultation that begins as a Non-Covered Service, your physician identifies a finding that requires diagnosis or treatment constituting a Covered Service, your physician will inform you. The Covered Service portion will be documented and billed separately. Your tier fee covers the Non-Covered Service portion of the consultation.

11. Your Privacy

11.1 Who Protects Your Health Information

Your protected health information (“PHI”) is maintained by your Clinical Provider, which is a Covered Entity under HIPAA. Norava Health is a Business Associate under HIPAA.

11.2 Notice of Privacy Practices

Your health information is governed by the Notice of Privacy Practices of your Clinical Provider:

ContinuEM Notice of Privacy Practices: [Link]

New Cadence Healthcare Notice of Privacy Practices: [Link]

11.3 Norava Health Privacy Policy

Non-clinical information collected through the Norava website and platform is governed by the Norava Health Privacy Policy: [Link]

11.4 Data Use

Norava Health may use de-identified health data for platform improvement, research, analytics, and product development, in compliance with HIPAA de-identification standards. Norava Health will not sell your PHI or use it for marketing without your written authorization.

11.5 California Consumer Privacy Act

PHI collected under HIPAA is exempt from the CCPA. For information about non-clinical personal information, review our Privacy Policy.

12. Your Responsibilities

12.1 Honest Communication

You agree to provide accurate and complete health information to your Clinical Provider.

12.2 Follow-Through

You are responsible for following up on referrals, attending appointments, filling prescriptions, and following your health protocol.

12.3 Insurance

You are responsible for maintaining your own health insurance or Medicare coverage. Covered Services identified during your care will be billed to your plan, and you are responsible for your patient responsibility amounts. Outside Services may also be billed to your plan.

12.4 Compliance with Agreement

You agree to comply with this Agreement, the Norava Health Terms of Use, and any policies communicated through the platform.

12.5 Prohibited Conduct

You agree not to: (i) use the platform for any unlawful purpose; (ii) misrepresent your identity, location, or health information; (iii) share your account credentials; (iv) record virtual consultations without provider consent; (v) harass or threaten any personnel; or (vi) attempt to disrupt the platform.

13. Limitation of Liability

13.1 Clinical Services

Norava Health is not a healthcare provider. Norava Health is not liable for any acts, omissions, negligence, malpractice, or clinical decisions of the Clinical Providers.

13.2 Technology

Norava Health provides the platform on an “as is” and “as available” basis.

13.3 Cap on Liability

Norava Health’s total aggregate liability shall not exceed the total tier fees you paid in the twelve (12) months preceding the event giving rise to the claim.

13.4 Exclusion of Damages

Norava Health shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

13.5 No Waiver of Provider Liability

Nothing in this Section limits any claim you may have against a Clinical Provider for professional negligence.

14. Indemnification

You agree to indemnify and hold harmless Norava Health from claims arising out of your breach of this Agreement, misuse of the platform, provision of false information, or violation of any applicable law.

15. Intellectual Property

15.1 Ownership

The Norava Health platform is the property of Norava Corporation or its licensors. Your enrollment grants a limited, non-exclusive, revocable license to use the platform during your enrollment.

15.2 Restrictions

You may not copy, modify, distribute, sell, or reverse engineer any part of the platform.

15.3 Your Data

You retain ownership of personal information you provide. Health data and records are governed by applicable law and your Clinical Provider’s Notice of Privacy Practices.

16. Term and Termination

16.1 Term

Your enrollment continues until canceled by you or terminated per this Agreement.

16.2 Your Right to Cancel

You may cancel at any time as described in Section 6.

16.3 Our Right to Terminate

We may terminate your enrollment immediately upon written notice if you breach this Agreement and fail to cure within fifteen (15) days, engage in prohibited conduct, provide false information, fail to maintain a valid payment method after notice, or pose a safety risk.

16.4 Effect of Termination

Upon termination for cause, you will receive a refund for undelivered Non-Covered Services per Section 6, less amounts owed. Termination does not affect pending Covered Service claims.

17. Dispute Resolution

17.1 Informal Resolution

Contact us at info@noravahealth.com to attempt informal resolution within thirty (30) days.

17.2 Binding Arbitration

Unresolved disputes shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, conducted in Los Angeles County, California.

17.3 Class Action Waiver

All disputes shall be resolved individually. You waive any right to participate in a class, collective, or representative proceeding.

17.4 Opt-Out

You may opt out by written notice within thirty (30) days of enrollment. If you opt out, disputes will be resolved in courts in Los Angeles County, California.

17.5 Small Claims Exception

Either party may bring an individual claim in small claims court if the claim qualifies.

17.6 Governing Law

This Agreement is governed by the laws of the State of California.

17.7 Scope

This arbitration provision does not apply to disputes with your Clinical Provider regarding professional negligence.

18. California Auto-Renewal Compliance

18.1 Disclosure

Per California BPC Sections 17600-17606:

Your tier automatically renews at each billing period at the then-current fee unless you cancel.

You may cancel at any time through the platform or at info@noravahealth.com.

Refunds are based on undelivered Non-Covered Services per Section

Renewal reminders are sent at least seven (7) days before each renewal date.

18.2 Confirmation

Upon enrollment you will receive confirmation of your tier, billing, renewal terms, and cancellation instructions.

18.3 Material Changes

Material changes require your affirmative consent. You may cancel without penalty if you do not consent.

19. Disclaimers

19.1 No Warranty

NORAVA HEALTH DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE PLATFORM AND NON-COVERED SERVICES.

19.2 No Medical Warranty

NORAVA HEALTH DOES NOT GUARANTEE ANY SPECIFIC HEALTH OUTCOME. ALL CLINICAL SERVICES ARE PROVIDED BY INDEPENDENT CLINICAL PROVIDERS.

19.3 Third-Party Services

Norava Health is not responsible for third-party services including laboratories, pharmacies, and imaging centers.

20. General Provisions

20.1 Entire Agreement

This Agreement, the Terms of Use, Privacy Policy, and Telehealth Informed Consent constitute the entire agreement.

20.2 Amendments

We may amend upon thirty (30) days’ notice. Material amendments require your acceptance.

20.3 Severability

Invalid provisions shall be modified or severed; remaining provisions continue.

20.4 Assignment

You may not assign. We may assign to an affiliate or successor.

20.5 Notices

To you at the email on file. To us at info@noravahealth.com or 6430 South Street, Lakewood, CA 90713.

20.6 Contact.

Norava Corporation 6430 South Street Lakewood, CA 90713 Email: info@noravahealth.com

BY ENROLLING IN A NORAVA HEALTH WELLNESS TIER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT, INCLUDING THE TWO-PATHWAY BILLING STRUCTURE IN SECTIONS 1.5 AND 7, THE DISCLOSURES IN SECTION 8, AND THE BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 17.

Member Acknowledgment

By enrolling, I acknowledge and confirm:

• I understand that my tier fee covers Non-Covered Services — services that do not fall within Medicare’s coverage categories and are not covered by most health insurance plans.
• I understand that if my physician determines during my care that a service meets Medicare covered service requirements or is covered by my health insurance, that service will be documented as a separate encounter and billed to Medicare or my health plan in accordance with applicable claim submission requirements. I am responsible for any copayments, coinsurance, or deductibles for Covered Services.
• I understand that Non-Covered Services and Covered Services are never bundled into a single fee. My tier fee covers Non-Covered Services only.
• I understand that when my physician orders tests, imaging, specialist referrals, or other services from outside providers, those outside providers may bill my health insurance or Medicare.
• I understand that my health insurance and Medicare benefits are not affected by my enrollment.
• I have had the opportunity to review this Agreement and ask questions before enrolling.
• _______________________________
• Patient Name:____________________
• Date:___________________________
• Relationship to the patient:_________________