Terms of Service

Terms of Service

Egality Health, a product of Insource Ai Inc.

Effective Date: July 29, 2026 Last Updated: July 29, 2026

PLEASE READ THESE TERMS CAREFULLY

These Terms of Service ("Terms") form a binding legal agreement between you and Insource Ai Inc. By creating an account, clicking to accept, or using Egality Health, you agree to them.

EGALITY HEALTH PROVIDES GENERAL WELLNESS AND EDUCATIONAL INFORMATION. IT IS NOT A MEDICAL DEVICE AND DOES NOT PROVIDE MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT. SEE SECTION 7.

SECTION 15 CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. IT REQUIRES MOST DISPUTES TO BE RESOLVED THROUGH INDIVIDUAL ARBITRATION RATHER THAN IN COURT. YOU MAY OPT OUT WITHIN 30 DAYS AS DESCRIBED IN SECTION 15.7.

1. WHO WE ARE AND WHAT THIS COVERS

1.1 The Parties

These Terms are between Insource Ai Inc., a Kansas corporation with its principal place of business at [Street Address, City, State ZIP] ("Insource Ai," "we," "us," "our"), and you, an individual user of Egality Health ("you," "your").

1.2 What "the Service" Means

These Terms govern your access to and use of Egality Health, together with the egalityhealth.com website, our mobile applications, and all related features (collectively, the "Service").

1.3 Documents That Form Part of These Terms

• Our Privacy Policy.
• Our Consumer Health Data Privacy Policy.
• Our Cookie Policy.
• Our Acceptable Use Policy.

Your consent to the collection and processing of health data is obtained separately from your acceptance of these Terms, as described in Section 8.

1.4 Order of Precedence

If these documents conflict, they control in this order: first, the Consumer Health Data Privacy Policy, as to consumer health data; second, these Terms; third, all other incorporated documents.

2. ACCEPTING THESE TERMS

2.1 How You Accept

You accept these Terms by checking the box indicating acceptance at signup. We record the date, time, version of the Terms accepted, and originating IP address.

2.2 Eligibility

You must be at least 18 years old to use the Service. You may not use the Service if you are barred from doing so under applicable law, or if we have previously terminated your account.

2.3 If You Do Not Agree

Do not create an account and do not use the Service.

3. YOUR ACCOUNT

3.1 Registration

You must provide accurate information when you register and keep it current.

3.2 Account Security

You are responsible for safeguarding your login credentials and for activity under your account. Use a strong, unique password, enable multi-factor authentication where we offer it, do not share your credentials, and notify us promptly at security@egalityhealth.com if you suspect unauthorized access.

Because the Service holds sensitive health information, we strongly recommend enabling multi-factor authentication.

3.3 One Account Per Person

The Service is for your personal use. Accounts are individual and may not be shared. Do not use the Service to record health information about another person unless that person is a minor in your care and the Service offers a feature designed for that purpose.

4. USING THE SERVICE

4.1 What We Grant You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service for your personal, non-commercial use.

4.2 What You May Not Do

You may not, and may not permit anyone else to:

• Copy, modify, translate, or create derivative works of the Service.
• Reverse engineer, decompile, or disassemble any part of the Service, except where that restriction is prohibited by law.
• Rent, lease, sell, sublicense, or provide the Service to a third party.
• Access the Service to build a competing product, or benchmark it without our written consent.
• Circumvent usage limits, security controls, or access restrictions.
• Use automated means to scrape, crawl, or extract data.
• Upload malware or anything designed to disrupt or damage the Service.
• Use the Service in a manner that violates our Acceptable Use Policy or applicable law.
• Misrepresent your identity.

4.3 Fair Use of AI Features

AI features carry real computational cost. We may apply reasonable rate limits and usage allowances, and we may throttle or suspend access where usage is automated, abusive, or materially exceeds normal individual use. We will tell you the applicable limits for your plan and give notice before restricting access, except where immediate action is needed to protect the Service.

4.4 Beta and Preview Features

We may offer features on a beta, preview, or early access basis ("Beta Features"). Beta Features are provided as-is, may be changed or discontinued at any time, and may not work reliably. Our total liability arising from your use of Beta Features will not exceed one hundred U.S. dollars (US$100).

4.5 Changes to the Service

Features may change as we improve the Service. If we make a change that materially reduces the core functionality you are paying for, we will give you at least 30 days advance notice by email or in-product notification, and you may cancel and receive a pro-rata refund of prepaid, unused fees.

4.6 Support

Support is available by email at support@egalityhealth.com during our normal business hours.

4.7 Third-Party Integrations

If you choose to connect a third-party service, such as a wearable device or health platform, that service is governed by its own terms and privacy policy, not ours. Connecting an integration involves sharing your data with that third party at your direction. We are not responsible for third-party services, and you may disconnect an integration at any time in Settings.

5. FEES, BILLING, AND CANCELLATION

This Section applies to paid plans.

5.1 Our Payment Provider Is the Seller of Record

Purchases of paid Egality Health plans are made from Creem, operated by Armitage Labs OU ("Creem"), which acts as the merchant of record. This means that:

• Creem, not Insource Ai, is the legal seller for your purchase.
• Creem appears on your bank or card statement.
• Creem collects and remits applicable sales tax, VAT, and GST.
• Creem processes refunds and handles chargebacks.
• Creem's own buyer terms and privacy policy govern the payment transaction, in addition to these Terms.

We never receive or store your full payment card number.

Your right to use the Service is governed by these Terms regardless of who processes your payment.

5.2 Fees

You agree to pay the fees for the plan you select, as described at checkout. Fees are stated in U.S. dollars unless otherwise specified at checkout.

5.3 Subscriptions and Automatic Renewal

PLEASE READ THIS SUBSECTION CAREFULLY. IT DESCRIBES AUTOMATIC RENEWAL.

Unless you cancel first, your subscription automatically renews at the end of each billing period for another period of the same length, and your payment method will be charged the then-current fee.

• Billing period: as shown at checkout before you purchase.
• Renewal amount: the then-current price for your plan.
• How to cancel: at any time in the Service under Settings, then Billing, then Cancel Subscription, in one step, without contacting us. You may also email billing@egalityhealth.com. Cancellation takes effect at the end of your current billing period and you retain access until then.
• Renewal reminder: for annual subscriptions, we email a reminder at least 15 days before each renewal. For monthly subscriptions, we email a reminder at least 3 days before the first renewal.
• Price changes: we give at least 30 days notice before any increase takes effect, and you may cancel before your next renewal.

Cancellation is at least as easy as signup. We do not require a phone call, a retention conversation, or a written request to cancel.

5.4 Free Trials

If we offer you a free trial, we will tell you the trial length and what happens when it ends before you begin. Unless you cancel before the trial ends, your trial converts to a paid subscription and your payment method will be charged. We email a reminder at least 3 days before the trial ends.

5.5 Taxes

Applicable taxes are calculated, collected, and remitted by Creem as merchant of record and are shown at checkout.

5.6 Refunds

If you are not satisfied, you may request a full refund within 14 days of your initial purchase by contacting billing@egalityhealth.com. We will authorize the refund and Creem will process it. After that period, fees are non-refundable and there are no refunds or credits for partial periods, except as required by law or as expressly stated in these Terms.

5.7 Failed Payments

If a payment fails, Creem may retry. We may suspend access to paid features until payment is received. We will notify you before suspending.

5.8 Disputed Charges

If you believe you have been charged in error, contact billing@egalityhealth.com within 60 days and we will investigate in good faith and coordinate with Creem.

6. YOUR DATA AND CONTENT

6.1 You Own Your Data

As between you and us, you own all data you submit to the Service, including health information, symptoms, notes, and files ("Your Data"). We do not claim ownership of Your Data.

6.2 The Limited Permission You Give Us

You grant us a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process Your Data solely as necessary to provide, maintain, and secure the Service for you; to prevent or address technical problems, security incidents, fraud, or violations of these Terms; and to comply with applicable law.

This license is limited to operating the Service for you. It ends when you delete Your Data or close your account, except for backup copies retained for the period described in Section 6.5 and any copies we are legally required to keep.

6.3 What We Will Not Do With Your Data

Unless you give us separate, specific, affirmative permission:

• We will not use Your Data to train artificial intelligence or machine learning models, whether our own or a third party's.
• We will not sell Your Data.
• We will not use Your Data for advertising, and we will not share it with advertising networks, data brokers, or advertising technology providers.
• We will not disclose Your Data to third parties except to the service providers identified in our Privacy Policy who process it on our behalf under binding contract, or as required by valid legal process.

We do not place advertising pixels, advertising tags, or third-party advertising software development kits anywhere in the Service.

These commitments survive termination of these Terms.

6.4 Your Responsibilities for Your Data

You represent that you have the right to submit Your Data to the Service. You are responsible for its accuracy. Health information you enter is used to generate the outputs you request; inaccurate input produces inaccurate output.

6.5 Export and Deletion

You may export Your Data at any time using the export feature in the Service. On termination, we make Your Data available for export for 30 days. After that period closes, we delete Your Data from our active systems within 30 days, and from routine backups within 90 days thereafter.

You may also request deletion at any time while your account is open, as described in our Privacy Policy and our Consumer Health Data Privacy Policy. Where we are required by law to retain a record, we retain only that record and restrict processing to that purpose.

6.6 Aggregated and De-Identified Data

We may create aggregated or de-identified data derived from use of the Service, meaning data that does not identify you or any individual and from which identifying elements have been removed and cannot reasonably be re-associated.

We use this data only to operate, secure, and improve the Service. We do not use it to train artificial intelligence or machine learning models, and we do not sell or license it. We will not attempt to re-identify it.

6.7 Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it without obligation or compensation. You are never required to give us feedback. Do not include health information in feedback.

7. HEALTH DISCLAIMERS

These provisions are fundamental to your use of the Service.

7.1 Not Medical Advice

Egality Health provides general wellness and educational information. It is not a medical device. It does not provide medical advice, diagnosis, or treatment, and it does not create a doctor-patient or other licensed professional relationship.

Always consult a qualified healthcare provider about your health. Never disregard professional medical advice, and never delay seeking it, because of something you read or generate in the Service.

7.2 Emergencies

The Service is not monitored in real time and is not for emergencies.

If you are experiencing a medical emergency, call 911 or go to the nearest emergency room.

If you are in emotional distress or thinking about harming yourself, call or text 988, the Suicide and Crisis Lifeline, in the United States.

7.3 Not a Contraceptive or Diagnostic Tool

The Service is not intended to be used to prevent pregnancy, to achieve pregnancy, or to detect, diagnose, treat, cure, or prevent any disease or condition. Do not rely on it for any of those purposes.

7.4 Your Responsibility

You are responsible for all decisions you make about your health. The Service is a record-keeping and informational tool that supports your own judgment and your conversations with your clinician. It does not replace either.

8. ARTIFICIAL INTELLIGENCE FEATURES

8.1 How AI Is Used

The Service includes features powered by artificial intelligence provided by Anthropic PBC. When you use these features, the content you submit is transmitted to Anthropic, processed to generate a response, and returned to you. This may include health information you have entered.

Your consent to this processing is obtained separately from your acceptance of these Terms, as described in our Consumer Health Data Privacy Policy. You may use the Service without using AI features.

8.2 AI Output May Be Wrong

AI-generated output is produced automatically and may be incomplete, outdated, biased, or incorrect. It may state incorrect information confidently. We do not warrant the accuracy, completeness, reliability, or suitability of any AI output.

You are responsible for reviewing AI output before relying on it. In a health context, this matters more than usual. Section 7 applies with full force to everything the AI produces.

8.3 AI Output Is Not Medical Advice

AI-generated content in the Service is informational only. It is not medical advice and must not be used to make a health decision without consulting a qualified clinician.

8.4 No Training on Your Inputs

We do not permit our artificial intelligence provider to use your inputs or the resulting output to train its models, and we do not do so ourselves. See Section 6.3 and our Privacy Policy.

8.5 No Automated Decisions About You

We do not use artificial intelligence to make decisions about you that produce legal effects or similarly significant effects. If that ever changes, we will notify you in advance and provide the notice, opt-out, and human-review rights required by law.

8.6 Ownership of Output

As between you and us, you own the output generated for you, to the extent it is capable of ownership. To the extent we hold any right in that output, we assign it to you. AI output may not be unique, and similar output may be generated for other users.

9. ACCEPTABLE USE

You agree to comply with our Acceptable Use Policy, which forms part of these Terms. We may investigate suspected violations and may suspend or terminate access as described in Section 14.

10. INTELLECTUAL PROPERTY

10.1 Our Property

We and our licensors own the Service, including all software, designs, interfaces, documentation, and content we provide, and all intellectual property rights in them. Except for the limited rights granted in Section 4.1, we grant you no rights in the Service.

10.2 Our Brand

"Insource Ai," "Egality Health," and our logos are our trademarks. You may not use them without our prior written permission, except to accurately identify the Service.

10.3 Your Identity

We will never identify you publicly as a user of Egality Health. We will not use your name, likeness, or testimonial without your separate, specific, written consent, which you may withdraw at any time by emailing privacy@egalityhealth.com.

11. PRIVACY AND SECURITY

11.1 Privacy

Our handling of personal information is described in our Privacy Policy. Our handling of consumer health data is described in our separate Consumer Health Data Privacy Policy.

11.2 Security

We maintain administrative, technical, and physical safeguards designed to protect Your Data, including encryption in transit and at rest, access controls, and logging.

11.3 Security Incidents

If we become aware of a security incident affecting Your Data, we will notify you without undue delay and in any event within the time required by applicable law, and will provide the information reasonably available to us about the incident and our response.

12. WARRANTIES AND DISCLAIMERS

12.1 Our Limited Warranty

We warrant that during any paid subscription, the Service will perform materially in accordance with our then-current documentation. If it does not, notify us at support@egalityhealth.com and we will use commercially reasonable efforts to correct the problem. If we cannot correct it within a reasonable time, you may cancel and receive a pro-rata refund of prepaid, unused fees. This is your exclusive remedy for breach of this warranty.

12.2 Disclaimer

EXCEPT AS EXPRESSLY STATED IN SECTION 12.1, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, AND STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICE OR ANY AI OUTPUT WILL MEET YOUR REQUIREMENTS OR PRODUCE ACCURATE RESULTS.

WE MAKE NO WARRANTY OF ANY KIND REGARDING HEALTH OUTCOMES.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

13. LIMITATION OF LIABILITY

13.1 Excluded Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, OR LOSS OR CORRUPTION OF DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

13.2 General Cap

EXCEPT AS PROVIDED IN SECTIONS 13.3 AND 13.4, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO THE CLAIM, OR (B) TWO HUNDRED FIFTY U.S. DOLLARS (US$250). MULTIPLE CLAIMS DO NOT ENLARGE THIS LIMIT.

13.3 Enhanced Cap for Privacy and Security

FOR CLAIMS ARISING FROM OUR BREACH OF SECTION 6.3 OR SECTION 11, OUR TOTAL AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF (A) THREE TIMES THE FEES YOU PAID US IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO THE CLAIM, OR (B) ONE THOUSAND U.S. DOLLARS (US$1,000).

13.4 What Is Not Capped

The limitations in Sections 13.1 through 13.3 do not apply to our gross negligence, willful misconduct, or fraud; your indemnification obligation under Section 13.5; or any liability that cannot be limited or excluded under applicable law, including under Washington's My Health My Data Act and California's Confidentiality of Medical Information Act.

13.5 Your Indemnification

You will defend us against any third-party claim arising from your use of the Service in violation of these Terms or applicable law, or your violation of the rights of a third party, and will pay any damages finally awarded or agreed in settlement. We will notify you promptly of any such claim and cooperate at your expense.

Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

14. TERM, SUSPENSION, AND TERMINATION

14.1 Term

These Terms begin when you first accept them and continue until your account is terminated.

14.2 Your Right to Terminate

You may terminate at any time by closing your account in Settings, then Account, then Delete Account, or by emailing support@egalityhealth.com. Closing your account also cancels any paid subscription.

14.3 Our Right to Terminate

We may terminate these Terms or your account for your material breach, if you do not cure it within 30 days after we give you written notice; immediately, if you materially breach Section 4.2 or Section 9, or if your use creates a legal or security risk; if required by law; or for convenience, on 30 days written notice, in which case we will refund prepaid, unused fees on a pro-rata basis.

14.4 Suspension

We may suspend your access if we reasonably believe suspension is necessary to protect the Service, our other users, or a third party; if a payment fails after we notify you; or if required by law. We will give notice before suspending where practicable and restore access promptly once the cause is resolved.

14.5 Effect of Termination

On termination, your right to use the Service ends. Section 6.5 governs export and deletion. Sections 6.1, 6.3, 6.5, 6.6, 6.7, 7, 10, 12.2, 13, 15, and 16 survive termination.

15. DISPUTE RESOLUTION AND ARBITRATION

15.1 Informal Resolution First

Before starting a formal proceeding, you agree to contact us at legal@egalityhealth.com with a written description of the dispute and the relief you seek, and to attempt in good faith to resolve it informally for at least 60 days. We will do the same. This is a condition precedent to arbitration.

15.2 Agreement to Arbitrate

If we cannot resolve a dispute informally, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court.

15.3 Arbitration Details

• One arbitrator.
• The hearing will be held in Wichita, Kansas, or, at your election, by videoconference or on written submissions.
• The arbitrator may award any relief a court could award to that individual party.
• The award is final and binding, and judgment may be entered in any court of competent jurisdiction.
• The Federal Arbitration Act governs the interpretation and enforcement of this Section.

15.4 Exceptions

This Section does not apply to claims in small claims court, so long as the matter stays there and proceeds individually; claims for injunctive or equitable relief regarding intellectual property or unauthorized access; or any dispute where applicable law prohibits arbitration, including any claim brought under a statute that provides a non-waivable private right of action.

15.5 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF CLASS PROCEEDING.

If this waiver is found unenforceable as to a particular claim, that claim will be severed and litigated in court, and the remaining claims will proceed in arbitration.

This Section 15.5 does not apply to users located in the European Economic Area, the United Kingdom, or Switzerland, or where otherwise prohibited by law.

15.6 Coordinated Filings

If 25 or more similar arbitration demands are filed against us by or with the assistance of the same counsel or coordinated entity, the demands will be resolved in staged batches of no more than 50 at a time, with the parties selecting bellwether cases and the arbitration provider administering each batch as a single proceeding for fee purposes. The limitations period is tolled for demands awaiting a batch.

15.7 Your Right to Opt Out of Arbitration

You may opt out of Sections 15.2 through 15.6 by sending written notice within 30 days of first accepting these Terms to legal@egalityhealth.com or [Street Address, City, State ZIP], stating your name, the email address on your account, and that you are opting out of arbitration. Opting out will not affect any other part of these Terms and will not affect your account.

15.8 Governing Law and Venue

These Terms are governed by the laws of the State of Kansas, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in Sedgwick County, Kansas, and each party waives any right to a jury trial.

If you are a consumer residing in a jurisdiction whose law grants you the protection of your local courts and mandatory consumer laws, nothing in this Section deprives you of those protections.

16. GENERAL TERMS

16.1 Changes to These Terms

We may update these Terms. If a change is material, we will give you at least 30 days notice by email or in-product notification before it takes effect, and will update the "Last Updated" date. Material changes apply prospectively only. If you do not agree, you may terminate before the change takes effect and receive a pro-rata refund of prepaid, unused fees.

For any change that materially affects your rights or how we handle health data, we will obtain your affirmative acceptance rather than relying on continued use. Prior versions are archived and available on request.

16.2 Notices

We will send legal notices to the email address on your account. You must send legal notices to us at legal@egalityhealth.com and [Street Address, City, State ZIP].

16.3 Assignment

You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets, provided that any successor is bound by commitments regarding health data at least as protective as those in these Terms and our Consumer Health Data Privacy Policy, and we notify you before the transfer takes effect.

16.4 Force Majeure

Neither party is liable for failure to perform, other than payment obligations, caused by events beyond its reasonable control.

16.5 No Third-Party Beneficiaries

These Terms do not create rights in anyone other than you and us.

16.6 Severability

If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if that is not possible, and the rest remain in effect.

16.7 No Waiver

Our failure to enforce any provision is not a waiver of our right to enforce it later.

16.8 Entire Agreement

These Terms, together with the documents in Section 1.3, are the entire agreement between you and us regarding the Service.

16.9 Export and Sanctions Compliance

You represent that you are not located in, and are not a national or resident of, any country subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted-party list.

16.10 Electronic Communications

You consent to receive communications from us electronically, and agree that electronic notices, agreements, and records satisfy any legal requirement that they be in writing.

17. HOW TO CONTACT US

Insource Ai Inc. [Street Address, City, State ZIP]

• General support: support@egalityhealth.com
• Legal notices: legal@egalityhealth.com
• Privacy and health data: privacy@egalityhealth.com
• Security: security@egalityhealth.com
• Billing: billing@egalityhealth.com