1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of the website located at vectorhealth.ai (the "Site") and any related services provided by Vector Health AI, Inc. ("Vector Health," "we," "us," or "our"). By accessing or using the Site, or by providing your phone number or email address to us, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site or provide us your contact information.
These Terms should be read together with our Privacy Policy, which describes how we collect, use, and protect information. If you are a patient or hospital partner receiving services governed by a Business Associate Agreement or other HIPAA-governed arrangement, those separate agreements control the handling of any Protected Health Information (PHI) and take precedence over these Terms with respect to that information.
2. Description of Service
Vector Health partners with hospitals and healthcare organizations to help connect patients with financial assistance programs, including nonprofit funding for Medicare premiums and related support. The Site provides information about our services and may allow you to submit contact information, create an account, or communicate with our team.
4. No Sale of Your Information
We do not sell, rent, or share your contact information — including phone numbers or email addresses collected for text or email communications — with third parties for their own marketing purposes. As described in our Privacy Policy, we may share limited information with service providers who help us deliver communications (such as our SMS or email delivery platform) or process payments, solely for those operational purposes.
5. Account Registration and Accuracy of Information
If the Site allows you to create an account or submit a form, you agree to provide accurate, current, and complete information, and to promptly update that information if it changes. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account.
6. Acceptable Use
You agree not to use the Site or our communications channels to:
Provide false or misleading contact information
Impersonate any person or entity
Interfere with or disrupt the Site or our communication systems
Use the Site for any unlawful purpose
7. Intellectual Property
All content on the Site, including text, graphics, logos, and software, is the property of Vector Health AI, Inc. or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written consent.
8. Disclaimers
The Site and our services are provided "as is" and "as available" without warranties of any kind, express or implied. Vector Health does not guarantee that the Site will be uninterrupted, error-free, or secure, or that any financial assistance program referenced through our services will result in approval or specific outcomes.
9. Limitation of Liability
To the fullest extent permitted by law, Vector Health AI, Inc. and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our communications, even if advised of the possibility of such damages.
10. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of the Site or continued receipt of our communications after changes are posted constitutes acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. (Confirm this reflects your intended jurisdiction — update if you'd prefer a different governing state.)
12. Dispute Resolution — Binding Arbitration and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
12.1 Agreement to Arbitrate
You and Vector Health AI, Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or any services or communications provided by Vector Health (a "Dispute") will be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring an individual action in small claims court for Disputes within that court's jurisdiction.
This agreement to arbitrate is governed by the Federal Arbitration Act (FAA) and evidences a transaction involving interstate commerce. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration will be conducted by a single arbitrator and may be conducted by telephone, based on written submissions, or in person in the county where you reside or another mutually agreed location. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.
12.2 Class Action and Jury Trial Waiver
YOU AND VECTOR HEALTH EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION.
All Disputes must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a class or representative proceeding. If this class action and representative proceeding waiver is found to be unenforceable as to a particular Dispute, then that Dispute (and only that Dispute) will be resolved in court rather than in arbitration, but the remainder of this arbitration agreement will still apply.
12.3 Opt-Out Right
You may opt out of this arbitration agreement by sending written notice to privacy@vectorhealth.ai within 30 days of first accepting these Terms, stating your name and a clear statement that you wish to opt out of arbitration. If you opt out, neither you nor Vector Health will be required to arbitrate Disputes with each other, but all other provisions of these Terms, including the class action waiver, will continue to apply to the fullest extent permitted by law.
12.4 Exceptions
Notwithstanding the foregoing, either party may bring an individual action seeking injunctive or other equitable relief in court to prevent misuse of intellectual property or unauthorized access to the Site or our systems.
(Enforceability of mandatory arbitration and class-action waivers varies by state and, for consumer/health-adjacent services, can draw added scrutiny — have counsel confirm this section is enforceable for your user base, including the 30-day opt-out, which many courts require to uphold the clause.)
13. Contact Us
Vector Health AI, Inc. 1401 Lavaca Street, Unit #7064 Austin, TX 78701 Email: sales@vectorhealth.ai or privacy@vectorhealth.ai