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1. Agreement to Terms

By accessing or using the Ful.CashPay App ("Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old to use the App. By using the Service, you represent that you meet this requirement.

3. Description of Service

Ful.CashPay provides tools to:

  • Compare healthcare costs
  • Manage insurance and healthcare spending
  • Access cash pay alternatives
  • Earn rewards through cost-saving initiatives

4. User Responsibilities

By using the App, you agree:

  • Not to misuse the Service (e.g., illegal activity, unauthorized access)
  • To provide accurate account information
  • To respect intellectual property rights

5. Payments & Transactions

Certain features may involve payments. You agree to:

  • Provide valid payment details
  • Authorize us to process transactions
  • Be responsible for any applicable taxes

6. No Guarantees on Savings

Important Disclaimer: Savings estimates provided in the App are for illustrative purposes only. Actual costs may vary based on individual healthcare circumstances, provider pricing, and other external factors. We make every effort to help users save money, but we cannot guarantee specific savings amounts.

7. Third-Party Links & Services

We may link to external providers. We are not responsible for third-party products, services, or their terms.

8. Termination

We reserve the right to:

  • Suspend or terminate accounts for violations of these Terms
  • Modify or discontinue services at any time

9. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages.
  • Our total liability is limited to the amount you paid for the Service in the last 12 months (or $100 if no payments were made).

10. "As Is" Disclaimer

The App is provided "as is" and "as available" without warranties of any kind. We do not guarantee uninterrupted or error-free service.

11. Governing Law & Dispute Resolution

These Terms are governed by Iowa, USA law. Any disputes must be resolved through binding arbitration, except where prohibited by law.

12. Changes to These Terms

We may update these Terms at any time. Users will be notified of significant changes via in-app notification.

13. Contact Us

For any questions, reach us at: info@ful-health.com