I.Acceptance of Terms

These Terms of Use (the “Terms”) are a legal agreement between Remitz, Inc. and its affiliates (collectively, “Remitz,” “we,” “us,” or “our”) and you. By accessing or using the Website & Services, and/or the Provider-Facing Applications (the “Portal”) where these Terms are linked, you agree to be bound by these Terms. If you are under the age of majority, your parent or legal guardian must accept these Terms on your behalf. If you do not agree, do not use the Website & Services or the Portal.

II. Changes to Terms & Services

We may modify these Terms at any time. Changes are effective when posted, as reflected by the “Last Updated” date above. Your continued use after changes means you accept them. We may change, suspend, or discontinue any feature or content of the Website & Services or the Portal at any time.

III. Relationship to Other Agreements (Privacy Policy, BAA, Portal Terms)

Your use is also governed by our Privacy Policy, which is incorporated by reference. When Remitz acts as a Business Associate to your provider, handling of PHI is governed by the BAA with that provider and, for Portal use, by Annex A. For avoidance of doubt, Annex A governs the Provider-Facing Applications (the Portal); these are distinct from the general Website & Services terms herein. If you have a separate written agreement with Remitz, such as a Master Services Agreement or Statement of Work, that agreement controls to the extent of any conflict with these Terms.

IV. Eligibility; Accounts; Security

You must be able to form a binding contract. If you are under the age of majority in your jurisdiction, a parent or legal guardian must accept these Terms for you. Accounts may not be created or used by individuals under 13. You agree to provide accurate, current, and complete information, maintain the security and confidentiality of your credentials (including any multi‑factor authentication methods), and promptly update your information.

You are responsible for all activity that occurs under your account. You must not sell, transfer, or assign your account to any other person. Notify us immediately of any actual or suspected unauthorized access or use of your username or password or any other breach of security. We may disable or revoke credentials, or restrict access, if we believe you have violated these Terms or for security or legal reasons. If you believe you have discovered a security vulnerability, contact support@remitz.com.

We may restrict, suspend, or discontinue the Website & Services (in whole or in part) at any time without notice and will not be liable for any unavailability.

 V. Acceptable Use

You may use the Website & Services only for lawful purposes and in accordance with these Terms and solely for your personal or your internal business purposes unless we agree otherwise in writing. You must not, and you must not authorize or permit anyone to, violate any applicable law or the rights of others; access or use the Services in any way that could disable, overburden, damage, or disrupt them or interfere with others’ use; introduce malware, viruses, worms, logic bombs, or other harmful code; attempt to gain unauthorized access to any systems, data, or accounts or to test, scan, or probe any system or network; scrape, crawl, spider, harvest, or use bots or automated means to access, query, or copy the Services or content without our prior written consent; copy, reproduce, republish, modify, translate, adapt, create derivative works of, publicly display or perform, sell, rent, sublicense, or otherwise exploit the Services or content beyond the scope of a permitted personal or internal business license; reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, algorithms, or underlying ideas except to the extent such restrictions are prohibited by law; remove, obscure, or alter proprietary notices or marks; impersonate any person or entity or misrepresent your affiliation; use the Services for any dangerous, abusive, fraudulent, deceptive, or unlawful activities; use any Remitz content, data, or materials to train, fine tune, or improve machine learning or other artificial intelligence models without our express written permission; or attempt, encourage, or assist any of the foregoing.

We may fully cooperate with law-enforcement or court orders that request or direct us to disclose the identity or other information of anyone using the Services unlawfully.

VI. Intellectual Property; Trademarks; Feedback License

The Website & Services and their content, features, and functionality (including information, software, designs, images, videos, text, know-how, algorithms, and other technology) are owned by Remitz or our licensors and are protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website & Services for your personal or your internal business purposes. No other rights are granted, by implication or otherwise, and all rights not expressly granted are reserved.

You may not remove or alter any copyright, trademark, or other proprietary notices. “Remitz” names and logos and related product/service names are trademarks of Remitz or our affiliates; you may not use them without our prior written permission. You obtain no ownership interest in the Website & Services or any updates, modifications, or improvements thereto.

If you provide feedback, ideas, or suggestions, you grant Remitz a non-exclusive, perpetual, irrevocable, worldwide, sublicensable, royalty-free license to use, copy, modify, create derivative works of, distribute, and otherwise exploit such feedback without restriction or compensation.

VII. User Content; DMCA Notice & Takedown User Content; DMCA Notice & Takedown

If you believe content on our Website & Services infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (DMCA) to our designated agent:

• DMCA Agent: Legal Department – DMCA Agent

• Email: support@remitz.com

• Address: 53 Calle Las Palmeras, Suite 601, San Juan, PR 00901, USA

Your notice must include the information required by 17 U.S.C. §512(c)(3). We may remove content and terminate repeat infringers.

VIII. Third‑Party Links & The Remitz Marketplace

The Website & Services may contain links to third‑party sites or services and a directory of third‑party products/services integrated with Remitz (the “Marketplace”). These are provided for convenience only; we do not control and are not responsible for third‑party content, products, or services. Dealings with third parties are solely between you and them. Additional consents may be required before sharing any data with third‑party integrations.

IX. No Medical or Legal Advice; Emergencies

Content on the Website & Services is for informational purposes only and is not medical or legal advice. Do not use the Portal for emergencies. If you are experiencing a medical emergency, call your local emergency number immediately.

X. Geographic Restrictions

The Website & Services are operated from the United States and may not be appropriate or available in other jurisdictions. If you access them from outside the U.S., you do so at your own risk and are responsible for compliance with local laws.

XI. Warranty Disclaimer

THE WEBSITE & SERVICES (INCLUDING THE PATIENT‑FACING APPLICATIONS) AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” REMITZ DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON‑INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE.

XII. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL REMITZ OR ITS AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, REMOTE, COLLATERAL, SPECULATIVE, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS, OPPORTUNITY, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE & SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE WEBSITE & SERVICES WILL NOT EXCEED US$100 (OR, IF YOU HAVE A PAID ACCOUNT, THE AMOUNTS PAID BY YOU TO REMITZ FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY). THE LIABILITY OF ANY PARTY UNDER THESE TERMS IS CUMULATIVE AND NOT PER INCIDENT. YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE WEBSITE & SERVICES.

THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO LIABILITY ARISING FROM A PARTY’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR FROM THAT PARTY’S BREACH OF ITS CONFIDENTIALITY OBLIGATIONS OR OBLIGATIONS TO PROTECT THE SECURITY OF PHI OR OTHER PERSONAL DATA.

XIII. Indemnification

You agree to defend, indemnify, and hold harmless Remitz and our affiliates, licensors, and service providers, and our and their respective officers, directors, employees, contractors, and agents from and against claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your misuse of the Website & Services.

XIV. Dispute Resolution; Arbitration; Class‑Action Waiver; Governing Law

Governing Law. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules, and applicable U.S. federal law.

Binding Arbitration; Class-Action Waiver. Except for (i) claims that qualify for small-claims court, and (ii) claims for injunctive relief for actual or threatened misuse of IP or unauthorized access or abuse of the Services, any dispute arising out of or relating to these Terms will be resolved by binding arbitration on an individual basis administered by the American Arbitration Association (AAA). If your use of the Website & Services is primarily for personal, family, or household purposes, the AAA Consumer Arbitration Rules apply. If your use is on behalf of a business or in connection with enterprise or commercial accounts, the AAA Commercial Arbitration Rules apply. Class actions and class arbitrations are not permitted. The seat of arbitration is Dover, Delaware. Each party is responsible for its own attorneys’ fees unless the arbitrator awards otherwise under applicable law. Jury trial is waived.

TIME TO FILE. TO THE EXTENT PERMITTED BY LAW, ANY CLAIM MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM ARISES OR IT IS PERMANENTLY BARRED.

XV. Termination; Suspension

We may suspend or terminate access to the Website & Services at any time, with or without notice, including for violations of these Terms. Upon termination, your right to use the Website & Services ceases immediately.

XVI. Severability; Waiver

If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect. No waiver of any term is deemed a further or continuing waiver of such term or any other term.

XVII. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Remitz regarding the Website & Services, and supersede prior or contemporaneous agreements on that subject.

XVIII. Contact Us

• Email: support@remitz.com

• Phone: +1 (937) 209‑2158

• Mailing Address: 53 Calle Las Palmeras, Suite 601, San Juan, PR 00901, USA

Annex A – Provider‑Facing Applications Terms (Portal)

This Annex applies when you access Remitz’s provider-facing applications and related tools that enable healthcare providers and their workforce to communicate, coordinate, and manage care with their patients and across care teams (the “Portal”). Remitz provides the Portal on behalf of healthcare providers. Portal use is subject to this Annex A and the applicable Business Associate Agreement (“BAA”) between Remitz and the provider. In the event of a conflict between Part A of the Terms and this Annex A, this Annex A controls for Portal use.

1. Role; No Substitute for Care

Remitz is not a healthcare provider and does not practice medicine. The Portal is not a substitute for professional medical judgment. For emergencies, call your local emergency number.

2. Organization Accounts; Administrators; Identity Verification

You may be required to verify identity and maintain accurate account information. You are responsible for safeguarding credentials and devices. Use of the Portal by caregivers or proxies must comply with provider policies and applicable law.

3. Portal Acceptable Use

In addition to Section 5 of the Terms, you agree not to: (a) upload or transmit unlawful, harmful, or misleading content; (b) access PHI without authorization or beyond the minimum necessary; (c) interfere with or attempt to circumvent security or access controls, tenant isolation, or audit logging; (d) use the Portal for marketing or commercial solicitation unrelated to permitted HIPAA purposes; (e) export, copy, or disclose PHI outside the Portal except as permitted by HIPAA, the BAA, and provider policy; or (f) use Portal data or content to train, fine-tune, or improve AI/ML models without Remitz’s prior written permission and, where applicable, a written BAA addendum.

4. Security & Interoperability Practices (Overview)

Remitz implements administrative, physical, and technical safeguards designed to protect PHI. Measures include, for example: encryption in transit and at rest (e.g., TLS 1.3; AES-256); OAuth 2.0 and role-based access controls; real-time security monitoring and anomaly detection; interoperability enablement consistent with frameworks such as Carequality; and audit logging of access and activity. Practices may evolve. Specific PHI-handling obligations are set out in the applicable BAA, which controls in case of conflict. The Portal does not deploy advertising pixels or cross-context ad technologies.

5. Data Sharing & HIPAA (TPO)

To operate the Portal, Remitz may use and disclose PHI for treatment, payment, and healthcare operations (“TPO”) as permitted by HIPAA and the BAA. We may disclose PHI to the provider and its vendors as necessary to deliver the Portal and to support interoperability use cases (for example, secure data exchange and patient record retrieval) consistent with participation agreements and applicable law.

6. Security Incidents; Notices

Remitz maintains processes to detect, assess, and respond to potential security incidents. Where required by applicable law or the BAA, Remitz will notify the appropriate party (e.g., the provider) of a breach of unsecured PHI without unreasonable delay. Unless required by law or the BAA, Remitz does not commit to a specific hour-based notice period in this Annex.

7. Access, Correction & Retention

Requests by individuals to access, amend, or obtain an accounting of disclosures of PHI must be directed to the provider, the HIPAA covered entity responsible for processing such requests. Remitz retains Portal data as required by law, contract, and our retention policies, and as directed by the provider under the BAA.

8. Termination; Effect

An organization may stop using the Portal at any time. We may suspend or terminate Portal access for violations, security risks, non-payment (if applicable), or upon provider instruction. Upon termination, access ceases. Data handling after termination is governed by law, the BAA, and provider policies; immediate deletion may not be possible.

9. Additional Provisions

Nothing in this Annex grants third-party beneficiary rights. To the extent permitted by law, the disclaimers, limitations of liability (including any carve-outs), indemnities, governing law, dispute-resolution terms, and other applicable provisions in Part A of the Terms apply to Portal use as well.