Terms and Conditions

1. Acceptance of terms

By accessing claramed.us or submitting a

case to ClaraMed, Inc. (‘ClaraMed’, ‘we’, ‘our’), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, do not use our service. These terms apply to all users of the ClaraMed website and service, including patients, family members submitting on behalf of patients, and any other visitors.

2. Description of service

ClaraMed™ was built on the belief that expertise should travel rather than requiring patients to travel. ClaraMed provides an independent

medical second opinion platform that connects patients with peer-vetted physicians from leading US academic medical institutions — invited through trusted professional relationships, not self-enrollment. ClaraMed’s service consists of: Receiving patient-submitted medical records through a secure, HIPAA-compliant portal. Preparing a structured case brief using AI-assisted tools for the reviewing physician. Coordinating independent written expert opinion from a peer-vetted subspecialist physician. Delivering the written expert opinion to the patient or their authorised representative. Making a fixed charitable donation in the patient’s name upon case completion. ClaraMed does not provide clinical treatment, diagnosis, prescriptions, or ongoing medical care. The content of the ClaraMed website is provided for informational purposes only and does not constitute medical advice. It is not meant to be a substitute for professional medical advice, diagnosis, or treatment from a qualified and licensed physician. ClaraMed is not a medical provider, hospital, clinic, telehealth platform, or insurance company.

3. No doctor-patient relationship

The use of ClaraMed's service does not create a doctor-patient relationship between you and ClaraMed or between you and any reviewing physician. The written expert opinion delivered through ClaraMed is an independent educational consultation based solely on the medical records you submit. It does not constitute clinical treatment, a prescription, or a directive to change your current treatment without consulting your local treating physician.

ClaraMed physicians will not communicate directly with patients, family members, or local treating physicians outside of the written opinion delivered through the ClaraMed platform. Any communications that reach a reviewing physician directly will be redirected to ClaraMed without response.

This applies equally to all service tiers — Standard, Comprehensive, and Premium. There is no gap or contradiction between the written opinion and the patient's ongoing care — it is intended to support, not replace, the local treating physician's judgment.

4. Eligibility and authorisation

You must be 18 years of age or

older to use ClaraMed’s service directly. If you are submitting a case on behalf of a patient who is a minor or who cannot submit themselves, you represent that you are the patient’s legal guardian, healthcare proxy, holder of power of attorney, parent of a minor child, or other legally authorized representative — and that you have the legal right to submit the patient’s medical records on their behalf. By submitting a case, you represent that all medical records you submit are authentic, belong to the patient named in the case, and are submitted with the patient’s knowledge and consent.

5. Case acceptance and physician assignment

Submission of an

intake form does not guarantee case acceptance. ClaraMed personally reviews every case inquiry within 24 hours and reserves the right to decline any case at its sole discretion, including cases outside our physicians’ areas of expertise, cases requiring emergency intervention, or cases that cannot be adequately reviewed from records alone. ClaraMed assigns a peer-vetted physician to each accepted case based on subspecialty, language preference, and availability. ClaraMed does not guarantee the assignment of any specific physician. Payment is collected only after case acceptance and physician assignment are confirmed.

6. Payment terms

Case fees are as follows:

• ·Standard — $2,500
• ·Comprehensive — $3,500
• ·Premium — $5,000
• ·Custom — pricing for highly complex or multi-specialty cases, provided on request. No ceiling published.

Payment is due upon case confirmation and before records are uploaded. All fees are in US dollars. ClaraMed does not offer refunds once a physician has been assigned and the case review has commenced.

A fixed charitable donation — $250 for Standard, $350 for Comprehensive, $500 for Premium and Custom — is made by ClaraMed in the patient's name upon case delivery. The patient selects the charity at the time of submission from ClaraMed's list of approved globally recognised charity partners. The donation is made by ClaraMed from the platform fee and does not affect the physician's compensation. Donations are made solely by ClaraMed, Inc. No portion of the patient's case fee is tax-deductible to the patient or submitting party.

7. Limitation of liability

To the fullest extent permitted by

applicable law, ClaraMed’s total liability to you for any claim arising from or related to our service shall not exceed the case fee paid by you for the specific case giving rise to the claim. ClaraMed shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to lost profits, loss of data, or adverse medical outcomes, even if ClaraMed has been advised of the possibility of such damages. Any claim against ClaraMed must be brought within one year of the date the written opinion was delivered.

Nothing in these Terms and Conditions excludes or limits ClaraMed's liability for death or personal injury caused by ClaraMed's gross negligence or fraud, or for any other liability that cannot be excluded or limited under applicable law. After this period, any claim is permanently barred.

By using ClaraMed's service you acknowledge and accept the risks associated with sharing medical information electronically and with obtaining an independent written expert opinion that is not a substitute for direct clinical care. You assume full responsibility for how you use the written expert opinion delivered through ClaraMed.

8. Emergency situations

ClaraMed’s service is not designed for

medical emergencies. If you or the patient are experiencing a medical emergency, call your local emergency services immediately. Do not use ClaraMed’s service as a substitute for emergency medical care. ClaraMed’s standard turnaround of 5 to 7 business days is not appropriate for any situation requiring immediate medical intervention.

9. Intellectual property

The written expert opinion delivered

through ClaraMed is the intellectual property of the reviewing physician. ClaraMed grants you a personal, non-transferable licence to use the opinion for your own healthcare decision-making. You may share the opinion with your treating physician. You may not publish, reproduce, or commercially exploit the opinion without the written consent of ClaraMed and the reviewing physician. All content on claramed.us — including text, design, and functionality — is the intellectual property of ClaraMed, Inc. and may not be reproduced without written permission.

10. Acceptable use

By accessing or using ClaraMed's service you agree not to:

• ·Use the service for any purpose that violates applicable local, national, or international law or regulation.
• ·Submit false, fraudulent, or misleading information including inaccurate medical records or misrepresentation of your identity or authority to submit a case.
• ·Submit medical records of another person without their consent or appropriate legal authorization.
• ·Attempt to access, probe, scan, or test the vulnerability of ClaraMed's systems, infrastructure, or data.
• ·Use any automated means including scrapers, bots, crawlers, or spiders to access or extract data from claramed.us.
• ·Interfere with or disrupt the proper functioning of the ClaraMed platform or its services.
• ·Reproduce, republish, resell, or redistribute the written expert opinion delivered through ClaraMed for commercial purposes without prior written consent.

ClaraMed reserves the right to investigate any suspected violation of these acceptable use provisions and to cooperate with law enforcement authorities where required.

11. Right to refuse and terminate

ClaraMed reserves the right, at its sole discretion and at any time, to:

• ·Decline to accept any case submission without providing a reason.
• ·Suspend or terminate access to the ClaraMed service for any user who violates these Terms and Conditions or applicable law.
• ·Modify, suspend, or discontinue any aspect of the ClaraMed service at any time with or without notice.
• ·Revoke a physician's access to any case if the physician violates the consulting agreement or applicable professional standards.

You remain personally responsible for any obligations incurred prior to termination.

12. AS IS disclaimer

THE CLARAMED SERVICE AND ALL CONTENT, INFORMATION, AND WRITTEN EXPERT OPINIONS PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. CLARAMED DOES NOT MAKE ANY WARRANTIES AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR FITNESS FOR A PARTICULAR PURPOSE OF ANY CONTENT OR WRITTEN OPINION PROVIDED THROUGH THE SERVICE. THE WRITTEN EXPERT OPINION REPRESENTS THE INDEPENDENT CLINICAL JUDGMENT OF THE REVIEWING PHYSICIAN BASED SOLELY ON THE MEDICAL RECORDS SUBMITTED AND MAY NOT REFLECT ALL RELEVANT CLINICAL FACTORS.

ClaraMed does not guarantee that the service will be uninterrupted, error-free, or free from technical difficulties. Your sole and exclusive remedy for dissatisfaction with the ClaraMed service is to cease using the service.

13. Indemnification

You agree to defend, indemnify, and hold harmless ClaraMed, Inc. and its officers, directors, employees, agents, and successors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• ·Your use of or access to the ClaraMed service.
• ·Your submission of false, inaccurate, or incomplete medical records or personal information.
• ·Your breach of these Terms and Conditions or applicable law.
• ·Your submission of medical records of another person without appropriate legal authorization.
• ·Any claim by a third party arising from your use or distribution of the written expert opinion delivered through ClaraMed.

14. Physician independence

Reviewing physicians are independent contractors engaged by ClaraMed under individual consulting agreements. They are not employees, agents, or representatives of ClaraMed, Inc. ClaraMed does not direct the clinical judgment or conclusions of any reviewing physician. Each physician is solely responsible for the content of the written expert opinion they deliver. ClaraMed makes no representations or warranties as to the clinical conclusions reached by any reviewing physician.

ClaraMed verifies physician licensure, board certification where applicable, and professional standing prior to participation in the network. Physicians must maintain active licensure and good standing throughout their engagement with ClaraMed. However, you are encouraged to review the credentials provided to you for your assigned physician and to satisfy yourself as to their suitability for your case.

ClaraMed makes no guarantee of any specific clinical outcome, diagnosis, treatment recommendation, or result from use of the service. The written expert opinion is an independent educational consultation only.

15. Accuracy of submitted information

You are solely responsible for the accuracy, completeness, and currency of all medical records, personal information, and other content you submit through the ClaraMed platform. ClaraMed is not responsible for any inaccuracy, error, or omission in content submitted by you, nor for any clinical conclusion that may result from incomplete or inaccurate records.

Where medical records submitted to ClaraMed are in a language other than English, ClaraMed uses AI-assisted translation tools reviewed by qualified personnel to reduce translation risk. You acknowledge that translated materials may not capture every clinical nuance of the original records. ClaraMed discloses the use of AI-assisted tools to the reviewing physician. All medical records are processed using anonymised and de-identified data only for the purpose of creating a structured case brief. ClaraMed does not use submitted medical records to train AI models or for any commercial purpose other than delivering the expert opinion service.

16. Service availability

The ClaraMed service is provided on an "as is" and "as available" basis. ClaraMed does not warrant that the service will be uninterrupted, error-free, or free from technical difficulties. ClaraMed accepts no liability for any disruption or unavailability resulting from causes outside its reasonable control, including but not limited to internet service provider failures, hosting infrastructure issues, communications network failures, or events beyond ClaraMed's reasonable control.

17. Severability

If any provision of these Terms and Conditions is found by a court or arbitrator of competent jurisdiction to be unlawful, invalid, or otherwise unenforceable, that provision shall be deemed severed from these Terms and Conditions. The severance of any such provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

18. No waiver

No failure or delay by ClaraMed in exercising any right or remedy under these Terms and Conditions shall constitute a waiver of that right or remedy. A waiver by ClaraMed of any breach of these Terms and Conditions by you shall not be construed as a waiver of any subsequent breach of the same or any other provision.

19. Governing law and dispute resolution

These Terms and Conditions are governed by the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms and Conditions or the ClaraMed service shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with proceedings conducted in Wilmington, Delaware. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding on both parties.

Nothing in this arbitration clause prevents either party from seeking emergency injunctive relief from a court of competent jurisdiction where necessary to prevent irreparable harm pending arbitration.

These Terms and Conditions also apply to anyone submitting a case or making a claim on behalf of a patient.

20. Modifications to terms

ClaraMed reserves the right to modify

these Terms and Conditions at any time. Material changes will be notified by email to the address associated with your case. Continued use of ClaraMed’s service after notification of changes constitutes acceptance of the updated terms.

21. Sanctions and export compliance

ClaraMed reserves the right to refuse service to any individual, organisation, or entity located in a jurisdiction subject to United States sanctions, export restrictions, or other applicable legal prohibitions. By using ClaraMed's service you represent that you are not located in, or acting on behalf of any person or entity located in, a jurisdiction subject to U.S. Office of Foreign Assets Control (OFAC) sanctions or any other applicable sanctions regime.

ClaraMed complies with all applicable U.S. export control laws and regulations. ClaraMed reserves the right to decline, cancel, or void any case submission that would cause ClaraMed to violate applicable sanctions or export control requirements.