Imani Health Terms of Service

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to create an account in your own name.

A parent, legal guardian or other properly authorised adult may create or manage a profile for a child or dependant. By doing so, that person confirms that they:

• have the legal authority to act for the child or dependant;
• will provide accurate information;
• will obtain any consent required for healthcare services; and
• accept responsibility for activity carried out through the dependant's profile.

Healthcare professionals and organisations using the Platform must possess all licences, approvals and professional qualifications required for the services they provide.

3. Description of the Services

Imani Health is a digital healthcare and healthcare-management platform. Depending on your location, account type and the features currently available, the Platform may enable users to:

• find healthcare professionals and healthcare facilities;
• book in-person, home-based or virtual consultations;
• participate in telehealth consultations by video, audio or secure messaging;
• create and manage patient and dependant profiles;
• access health information, consultation notes, prescriptions and laboratory results;
• receive reminders and healthcare communications;
• purchase healthcare-access plans or consultation packages;
• make or receive payments;
• communicate with healthcare professionals;
• request home-health or nurse visits;
• obtain referrals to pharmacies, laboratories, specialists or healthcare facilities;
• manage appointments, medical records, prescriptions, billing and clinical workflows;
• submit or manage healthcare claims where available; and
• access hospital-management, pharmacy, analytics and administrative tools.

Some Services may not be available in every location or to every user.

We may introduce, change, suspend or discontinue features where reasonably necessary for operational, legal, regulatory, security or commercial reasons.

4. Imani Health's Role

Imani Health provides technology, scheduling, care-coordination, record-management, payment and communication infrastructure.

Unless expressly stated otherwise, healthcare professionals and healthcare facilities accessible through the Platform are independent professionals or organisations. They are responsible for:

• exercising their own professional and clinical judgement;
• determining whether telehealth is appropriate for a patient;
• assessing, diagnosing and treating patients;
• issuing prescriptions where clinically appropriate and legally permitted;
• maintaining professional licences and registrations;
• complying with professional and regulatory requirements; and
• referring or escalating patients when care cannot safely be provided through the Platform.

Imani Health does not direct or replace the independent clinical judgement of a licensed healthcare professional.

Nothing in these Terms creates an employment, partnership, agency or joint-venture relationship between Imani Health and an independent healthcare professional unless a separate written agreement expressly provides otherwise.

5. Not an Emergency Service

Imani Health is not an emergency-response service.

Do not use the Platform where you believe that you or another person is experiencing a medical emergency or requires immediate physical examination or intervention.

Examples may include:

• severe difficulty breathing;
• chest pain;
• loss of consciousness;
• severe bleeding;
• suspected stroke;
• seizure;
• serious injury;
• poisoning;
• suicidal behaviour or immediate risk of self-harm; or
• any rapidly worsening or life-threatening condition.

In an emergency, contact the relevant emergency service or proceed immediately to the nearest appropriate hospital or emergency facility.

The Platform must not be relied upon as a substitute for emergency medical care.

6. Telehealth Services

Telehealth allows a patient and healthcare professional to communicate remotely using video, audio, messaging or other electronic means.

By participating in a telehealth consultation, you understand and agree that:

• telehealth has limitations because the healthcare professional may not be able to physically examine you;
• technology failures, poor internet connectivity or incomplete information may affect the consultation;
• a healthcare professional may determine that an in-person examination, laboratory test, imaging study, emergency referral or specialist assessment is required;
• no particular diagnosis, treatment, prescription or outcome is guaranteed;
• you must provide complete and accurate information about your symptoms, medical history, medication, allergies and other relevant circumstances; and
• you must be physically located in a jurisdiction where the healthcare professional is permitted to provide the relevant service.

A healthcare professional may decline, discontinue or redirect a telehealth consultation where remote care is inappropriate, unsafe or outside the professional's permitted scope of practice.

7. Medical Information and No Guaranteed Outcome

Information provided through the Platform, including articles, reminders, educational materials, automated information and general health content, is provided for general informational purposes.

Such information does not by itself constitute:

• a medical diagnosis;
• an individual treatment plan;
• an emergency assessment; or
• a substitute for consultation with a qualified healthcare professional.

Healthcare outcomes vary between patients. Neither Imani Health nor any healthcare professional guarantees that a consultation, treatment, prescription, referral or care plan will produce a particular result.

Users remain responsible for seeking appropriate medical attention and following professional advice.

8. User Accounts

Certain Services require an account.

When creating or using an account, you agree to:

• provide accurate, current and complete information;
• keep your information updated;
• maintain the confidentiality of your password and authentication credentials;
• prevent unauthorised access to your device and account;
• use only your own account unless you are properly authorised to manage another person's profile;
• notify us promptly of suspected unauthorised access; and
• accept responsibility for activities carried out through your account where those activities result from your failure to secure it.

You must not impersonate another person, create a fraudulent account, submit false healthcare information or use credentials belonging to another user.

We may require identity, contact, licence, facility or professional verification before allowing access to certain features.

9. Dependants and Family Profiles

Where the Platform permits you to add a dependant, you represent that you are authorised to provide the dependant's personal and health information and to arrange healthcare services on their behalf.

You are responsible for:

• obtaining any legally required consent;
• ensuring that the information provided is accurate;
• selecting the correct dependant before making a booking;
• protecting the dependant's privacy; and
• informing us if your authority to manage the dependant's profile ends.

A dependant who reaches the legally applicable age may be required to establish or control a separate account.

Healthcare professionals may request additional proof of consent, guardianship or authority before providing care.

10. Healthcare-Professional and Facility Accounts

Healthcare professionals, pharmacies, laboratories, hospitals, clinics and other organisations using the Platform agree to:

• provide accurate professional and organisational information;
• maintain all required licences, registrations, approvals and insurance;
• act within their lawful professional scope;
• protect patient confidentiality;
• maintain complete and appropriate clinical documentation;
• use patient information only for authorised healthcare and administrative purposes;
• avoid allowing unauthorised staff to use their account;
• comply with applicable prescribing, recordkeeping and professional obligations; and
• promptly notify Imani Health of any restriction, suspension, expiry or loss of professional authority.

Imani Health may verify credentials at onboarding and periodically afterwards. Verification by Imani Health does not relieve a professional or organisation of responsibility for maintaining valid credentials.

11. Appointments

Appointments are subject to healthcare-professional availability, technical availability and any applicable clinical requirements.

Users must:

• attend at the scheduled time;
• provide accurate booking information;
• ensure that their device, internet connection, camera and microphone are functional for a virtual appointment;
• join from a private and reasonably safe environment; and
• notify the Platform as early as possible where they need to cancel or reschedule.

A healthcare professional may be delayed because of clinical emergencies or circumstances outside their control.

Imani Health may cancel, postpone or reassign an appointment where the selected healthcare professional becomes unavailable.

12. Missed, Cancelled and Rescheduled Appointments

Cancellation, rescheduling, missed-appointment and refund rules may differ according to the service, healthcare professional, facility or plan selected.

Applicable rules will be displayed during booking or purchase.

A consultation may be treated as missed where:

• the patient does not attend within the permitted waiting period;
• the patient cannot be contacted using the information supplied;
• the patient leaves before the healthcare professional can reasonably conduct the consultation; or
• the consultation cannot proceed because the user failed to provide necessary information or obtain required consent.

Where a healthcare professional or Imani Health cancels an appointment and no reasonable replacement is provided, the user may be offered a rescheduled appointment, account credit or refund, depending on the payment method and circumstances.

13. Healthcare Plans and Consultation Packages

Imani Health offers individual, family, corporate or group healthcare plans, including a subscription-based family plan range called FamilyCare.

The specific benefits, validity period, consultation allocation, payment frequency and restrictions of each plan will be shown before purchase.

FamilyCare Subscription Plans

FamilyCare plans are monthly or annual recurring subscriptions covering a primary account holder and their registered dependants. Three tiers are currently offered:

• FamilyCare Essential — covers up to 2 dependants, includes a monthly allocation of medical professional visits and telehealth consultations;
• FamilyCare Plus — covers up to 4 dependants, with a higher monthly allocation of medical professional visits and telehealth consultations; and
• FamilyCare Premium — covers up to 6 dependants, with a premium monthly allocation of medical professional visits and unlimited telehealth consultations.

Current plan prices, dependent limits, visit allocations and add-on rates are displayed on the pricing page and at checkout. Prices are quoted in Nigerian Naira (NGN) for payments processed through Paystack and in United States Dollars (USD) for payments processed through Stripe. Stripe payments are subject to applicable transaction fees and taxes calculated at checkout.

First-Subscription Discount

Patients who have not previously held a paid FamilyCare subscription are eligible for a 50% discount on their first month. This discount is applied automatically at checkout and is not transferable, combinable with other offers, or applicable to annual plans or renewal cycles.

Medical Professional Visit Quota

Each FamilyCare plan includes a monthly allocation of medical professional visits. A visit slot is consumed when the primary account holder or a registered dependant books a professional visit through the Platform, including visits booked through the Professional Visits section of the patient dashboard. Unused visit slots expire at the end of each billing period and do not roll over to the following month.

Where a subscriber exhausts their monthly visit allocation, additional visits may be purchased as add-ons at the subscriber rate applicable to the subscriber's current tier. Add-on pricing is displayed in the subscription dashboard and at checkout.

General Plan Conditions

Unless a plan expressly states otherwise:

• a healthcare plan is not comprehensive health insurance;
• a plan does not cover every medical service, medicine, laboratory test, procedure, hospital admission or emergency;
• unused consultations do not automatically roll over;
• consultations must be used within the stated validity period;
• plan benefits have no cash value and may not be resold;
• family benefits may be shared only among eligible dependants registered under that plan; and
• third-party services may require additional payment.

Only plans expressly described as recurring subscriptions will renew automatically.

Where automatic renewal applies, the price and billing frequency will be disclosed before purchase. Users may cancel future renewal through the available account settings or by contacting support. Cancellation does not normally create a refund for a billing period that has already started, except where required by law or expressly stated otherwise.

14. Prices, Payments and Taxes

Prices will be displayed before a transaction is completed.

By making a payment, you authorise Imani Health and its authorised payment providers to process the stated amount.

You agree to provide valid payment information and sufficient funds.

Payment Gateways and Currencies

Imani Health currently supports two payment gateways:

• Paystack — processes payments in Nigerian Naira (NGN). Available to users paying with Nigerian bank cards, bank transfers, and USSD. Subscription prices charged via Paystack are denominated in NGN.
• Stripe — processes payments in United States Dollars (USD). Available to users paying with international Visa or Mastercard. Subscription prices charged via Stripe are denominated in USD at fixed plan rates. Stripe payments are subject to Stripe's processing fees and any applicable taxes calculated at checkout.

The currency and amount applicable to your transaction are confirmed at checkout before payment is taken. Imani Health does not control currency conversion rates applied by your card issuer or bank.

Subscription Pricing

Current FamilyCare subscription prices are published on the Imani Health pricing page. Prices are shown in both NGN (Paystack) and USD (Stripe) and may differ between the two gateways owing to exchange rates, processing fees, and applicable taxes. The price confirmed at checkout is the amount that will be charged.

Prices may include or exclude taxes, transaction charges, third-party service charges or other fees, as disclosed during checkout.

We may change prices prospectively. A price change will not ordinarily affect a subscription already in progress but will apply from the next renewal date after we provide reasonable advance notice. Where a price increase applies to your subscription, we will notify you by email at least 14 days before the change takes effect.

Payment-card and banking transactions may be processed by independent payment providers. Their terms and privacy practices may also apply.

Imani Health does not guarantee the uninterrupted availability of a particular payment channel.

15. Refunds

Refund eligibility depends on the service purchased, the reason the service was not delivered, whether a consultation or plan benefit has already been used, and any applicable consumer-protection requirement.

Refunds will generally not be issued merely because:

• a user disagrees with a healthcare professional's independent clinical opinion;
• a healthcare professional determines that an in-person assessment is required;
• a prescription, referral, test or particular treatment is not provided;
• a user misses an appointment;
• a user provides inaccurate or incomplete information; or
• a user fails to use a consultation before its stated expiry date.

Approved refunds will normally be returned through the original payment method or issued as account credit, where appropriate.

Processing times may depend on banks, payment processors and other third parties.

16. Prescriptions, Pharmacies and Medicines

A healthcare professional may issue a prescription only where the professional considers it clinically appropriate and is legally permitted to do so.

Using the Platform does not guarantee that a prescription will be issued.

Prescriptions may be subject to:

• professional assessment;
• identity verification;
• age restrictions;
• medication-specific rules;
• jurisdictional restrictions;
• pharmacy availability; and
• applicable prescribing laws and professional standards.

Pharmacies remain responsible for validating prescriptions, dispensing medicines, providing pharmaceutical advice and complying with applicable regulatory requirements.

Medicine prices, availability and delivery times may be controlled by third-party pharmacies and are not guaranteed by Imani Health.

17. Laboratories, Imaging and Other Third-Party Services

Laboratories, imaging centres, hospitals, pharmacies, home-care providers and other third parties may provide services accessed through or coordinated by the Platform.

These third parties remain responsible for the professional quality, accuracy, timing and lawful delivery of their services.

Results and reports may be uploaded to the Platform by the relevant provider. Users should discuss results with a qualified healthcare professional and must not rely solely on automated alerts or summaries.

18. Medical Records

The Platform may store or facilitate access to health and medical information, including:

• patient profiles;
• medical history;
• allergies;
• symptoms;
• consultation notes;
• diagnoses;
• treatment plans;
• prescriptions;
• laboratory and imaging results;
• vital signs;
• referrals; and
• healthcare communications.

Users must not alter, falsify, conceal or improperly access medical records.

Clinical records created by a healthcare professional may form part of that professional's or healthcare facility's required medical documentation.

Closing an Imani Health account may not result in immediate deletion of medical records that must be retained for patient safety, continuity of care, professional recordkeeping, legal compliance or the establishment or defence of legal claims.

Data retention and deletion are further explained in our Privacy Policy.

19. Recording and Transcription

A consultation will not be audio- or video-recorded by Imani Health unless:

• the feature is enabled;
• the recording is lawful;
• the purpose is disclosed; and
• any required consent has been obtained.

The Platform may offer transcription, note-generation, translation or consultation-summary tools. These tools may use automated technology and may contain errors.

Healthcare professionals remain responsible for reviewing and correcting clinical documentation before relying on or finalising it.

Users must not secretly record a consultation or distribute consultation content in violation of applicable law, professional confidentiality, intellectual-property rights or another person's privacy.

20. Communications

By creating an account, you agree that we may send service-related communications such as:

• verification messages;
• appointment confirmations;
• reminders;
• payment receipts;
• security notices;
• care-coordination messages;
• service announcements; and
• important changes to the Platform or these Terms.

These communications may be delivered by email, SMS, telephone, push notification, WhatsApp or in-app messaging, depending on the contact information and preferences provided.

Marketing messages will be sent only where permitted. You may opt out of marketing communications, but you may continue to receive essential service and security communications.

21. Privacy and Data Protection

Our Privacy Policy explains how we collect, use, disclose, secure, retain and delete personal information.

Health information is sensitive personal information. By using healthcare features, you acknowledge that relevant information may need to be shared with authorised healthcare professionals, facilities, laboratories, pharmacies, payment providers, insurers or care coordinators to provide the requested service.

Access to medical information is limited according to authorised roles and legitimate purposes.

Where Imani Health processes information for a healthcare facility or organisation, that organisation may separately determine how certain patient records are managed.

22. Account Deletion

You may request deletion of your Imani Health account through the account settings, where available, or by contacting support@imanimed.com.

Deleting the application from your device does not delete your account.

We may verify your identity before completing a deletion request.

Eligible account information will be deleted or anonymised in accordance with our Privacy Policy. Certain information may be retained where reasonably necessary for:

• medical-record obligations;
• continuity of care;
• financial, tax or accounting requirements;
• fraud prevention;
• security investigations;
• outstanding payments or disputes;
• compliance with lawful requests; or
• establishing, exercising or defending legal claims.

23. Acceptable Use

You must not:

• use the Platform for an unlawful, fraudulent or harmful purpose;
• provide false identity, payment, professional or medical information;
• impersonate another person or healthcare professional;
• access another person's account without proper authority;
• harass, threaten, abuse or discriminate against another user or healthcare professional;
• attempt to obtain medicines through deception or misuse;
• upload malware, malicious code or harmful material;
• probe, scan, test or bypass Platform security;
• scrape, copy or harvest information without authorisation;
• interfere with the operation of the Platform;
• misuse medical records or confidential information;
• reproduce or commercially exploit Platform content without permission;
• use automated systems to access the Platform in a manner not authorised by us;
• submit unlawful, defamatory, infringing or deceptive content; or
• use the Platform in a manner that could endanger a patient or another person.

We may investigate suspected misuse and cooperate with healthcare regulators, law-enforcement authorities or other competent bodies where required or legally permitted.

24. User Content

You may submit information, documents, messages, images, reports or other content through the Platform.

You retain ownership of content that you lawfully own.

You grant Imani Health a limited, non-exclusive licence to host, store, reproduce, transmit and process that content only as reasonably necessary to:

• operate the Platform;
• provide the requested Services;
• maintain records;
• comply with legal obligations;
• protect Platform security; and
• support authorised healthcare and administrative workflows.

You confirm that you have the right to submit the content and that doing so does not violate another person's rights.

25. Intellectual Property

The Platform, excluding user-owned and third-party content, including its software, interface, design, branding, logos, databases, workflows, documentation and original content, is owned by or licensed to Imani Health and Technology LLC.

Subject to these Terms, we grant you a limited, personal, revocable, non-exclusive and non-transferable right to use the Platform for its intended purpose.

You must not copy, modify, distribute, sell, lease, reverse engineer, decompile or create derivative works from the Platform except where expressly authorised by us or permitted by applicable law.

"Imani Health," the Imani Health logo and associated branding may not be used without written permission.

26. Third-Party Services and Links

The Platform may integrate with or contain links to third-party services, including:

• payment processors;
• video-consultation services;
• mapping services;
• communication providers;
• laboratories;
• pharmacies;
• healthcare facilities;
• insurers;
• cloud-service providers; and
• app stores.

We do not control every aspect of those third-party services. Your use of them may also be governed by their own terms and privacy policies.

We are not responsible for third-party content, outages or conduct except to the extent responsibility cannot lawfully be excluded.

27. Platform Availability

We aim to provide a reliable Service, but do not guarantee uninterrupted or error-free availability.

The Platform may be unavailable because of:

• maintenance;
• upgrades;
• internet or telecommunications failures;
• third-party service interruptions;
• security incidents;
• events outside our reasonable control; or
• legal or regulatory requirements.

Users should maintain alternative means of obtaining healthcare and must not rely on the Platform as their only method of accessing urgent care.

28. Disclaimers

To the fullest extent permitted by law, the Platform is provided on an "as available" basis.

We do not warrant that:

• every healthcare professional will be available at a requested time;
• every service will be appropriate for every user;
• telehealth will eliminate the need for physical healthcare;
• Platform information will always be complete or error-free;
• a particular medicine, test, referral or treatment will be provided;
• every third-party provider will perform without delay; or
• the Platform will be available without interruption.

Nothing in these Terms excludes a warranty, duty or protection that cannot lawfully be excluded.

29. Limitation of Liability

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law, including liability arising from fraud, wilful misconduct or any other liability that cannot legally be restricted.

To the fullest extent permitted by law, Imani Health will not be liable for indirect, incidental, special or consequential loss arising from:

• unauthorised account access caused by a user's failure to secure their credentials;
• inaccurate or incomplete information supplied by a user;
• a user's failure to seek emergency or in-person care;
• interruptions caused by internet, telecommunications or third-party systems;
• independent clinical decisions made by healthcare professionals;
• products or services supplied by an independent pharmacy, laboratory, facility or other provider; or
• use of the Platform contrary to these Terms.

Where Imani Health is found directly liable in connection with a paid consumer transaction, our aggregate liability will, to the extent permitted by law, be limited to the amount paid for the affected service.

This section does not limit any non-excludable right or remedy available under applicable consumer-protection law.

30. Indemnity

To the extent permitted by law, you agree to indemnify Imani Health against losses, liabilities or reasonable costs resulting from:

• your unlawful or fraudulent use of the Platform;
• your material breach of these Terms;
• your infringement of another person's rights;
• content you submit without lawful authority; or
• misuse of patient information by a professional, facility or organisational user.

This provision does not require a consumer to indemnify Imani Health for Imani Health's own negligence, breach or unlawful conduct.

31. Suspension and Termination

You may stop using the Platform at any time.

We may restrict, suspend or terminate access where reasonably necessary because:

• you materially breach these Terms;
• your account creates a security or patient-safety risk;
• we suspect fraud, impersonation or misuse;
• payment remains outstanding;
• a healthcare professional's credentials expire or are restricted;
• continued access would violate law or regulatory requirements; or
• the Platform or relevant feature is discontinued.

Where appropriate, we will provide notice and an opportunity to resolve the issue. Immediate action may be taken where patient safety, security, fraud prevention or legal compliance requires it.

Termination does not remove obligations or liabilities that arose before termination.

Sections concerning payments, intellectual property, confidentiality, medical records, limitation of liability, disputes and other provisions that by their nature should continue will survive termination.

32. Complaints

Complaints about the Platform, payments or account management should first be sent to support@imanimed.com.

Complaints about professional healthcare conduct may also be reported to the relevant healthcare facility, professional regulator or other competent authority.

Please provide enough information for the complaint to be investigated, including the relevant appointment or transaction details.

We will seek to acknowledge and address complaints within a reasonable period.

33. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria.

Before beginning formal proceedings, the parties should first attempt in good faith to resolve a dispute through written notice and direct discussion.

Where a dispute cannot be resolved informally, it may be submitted to a court of competent jurisdiction in the Federal Capital Territory, Abuja, Nigeria, subject to any mandatory consumer right to bring a claim in another competent forum.

Nothing in this section prevents either party from seeking urgent protective or injunctive relief where necessary.

34. Changes to These Terms

We may update these Terms to reflect:

• changes to the Services;
• changes in law or regulation;
• new security requirements;
• new payment or healthcare features; or
• operational or commercial developments.

The updated Terms will be published on the Platform with a revised "Last updated" date.

Where a change materially affects users' rights or obligations, we will provide reasonable notice through the Platform or available contact details.

Continued use after the effective date of the updated Terms constitutes acceptance, except where applicable law requires express consent.

35. General Provisions

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in effect.

Our failure to enforce a provision immediately does not waive our right to enforce it later.

You may not transfer your rights or obligations under these Terms without our written permission.

We may transfer or assign our rights and obligations as part of a merger, restructuring, financing, acquisition or transfer of the Platform, subject to applicable law and data-protection requirements.

These Terms, the Privacy Policy, the applicable plan terms and any additional terms displayed for a particular Service constitute the agreement governing your use of that Service.

37. Medical Practitioner Signup and Platform Services Agreement

This Agreement applies to doctors, nurses, midwives, allied health professionals, clinics, and other healthcare providers signing up to provide services through the Imani platform. By creating a Practitioner account, clicking "I Agree", accepting a booking, or providing services through Imani, you agree to this Agreement.

1. Parties

This Agreement is between IMANI HEALTH AND TECHNOLOGY LTD ("Imani") and the medical practitioner, nurse, clinic, allied health professional, or healthcare provider accepting this Agreement ("Practitioner", "you").

2. Background and Purpose

Imani operates a digital healthcare coordination platform connecting patients, dependents, sponsors, caregivers, and healthcare practitioners for telehealth, nurse wellness visits, home visits, care monitoring, care coordination, medication reminders, health summaries, and related services. Imani provides technology, booking, payment collection, administrative coordination, patient engagement, and care navigation tools. The Practitioner provides professional healthcare services independently and remains responsible for clinical judgment and professional conduct.

3. Practitioner Status

Unless Imani signs a separate written employment agreement with you, you are an independent contractor and independent licensed healthcare professional. Nothing in this Agreement creates an employment relationship, partnership, joint venture, agency relationship, or exclusive services arrangement. You remain responsible for:

• Professional licensing and registration.
• Clinical decisions.
• Patient assessment, advice, treatment, and escalation.
• Medical records created by you.
• Compliance with professional rules.
• Taxes on your income.
• Professional indemnity and malpractice coverage.

4. Eligibility and Required Documents

Before you may receive bookings, you must provide all documents requested by Imani, including: full legal name, phone and email, residential and practice address, government-issued ID, professional license/registration number, current annual practising licence, relevant professional regulator details (MDCN for doctors/dentists, NMCN for nurses/midwives where applicable), specialty and qualifications, evidence of professional indemnity or malpractice insurance, Tax Identification Number, bank account details, references and background checks where requested, and clinic/business registration documents where applicable.

You warrant that all information provided is true, complete, current, and not misleading. You must notify Imani within 48 hours if your licence is suspended, restricted, expired, or investigated; if you become subject to a professional complaint, malpractice claim, or regulatory inquiry; if your insurance lapses; or if you become unable to provide services safely.

5. Verification and Right to Reject

Imani may verify your credentials directly or through third parties and may reject, pause, suspend, or terminate your account if verification fails or raises concerns. Imani is not required to provide bookings to any Practitioner and may determine service zones, patient allocation, scheduling, pricing, and platform access at its discretion.

6. Scope of Approved Services

You may provide only services that Imani has approved for your account, that are within your licence, competence, training, and insurance, that are lawful in the place where provided, and that are clinically appropriate for the setting. Approved services may include telehealth consultations, nurse wellness visits, home visits, vitals measurement, medication adherence support, health education, care notes and observations, referral recommendations, care escalation, and follow-up coordination.

7. No Emergency Services

Imani is not an ambulance service, hospital, emergency response center, or substitute for emergency care. You must instruct users to seek urgent hospital or emergency care where symptoms require it, including chest pain, stroke symptoms, severe shortness of breath, seizure, severe bleeding, loss of consciousness, severe allergic reaction, suicidal ideation, severe injury, or any condition outside the safe scope of the platform. You must document all emergency advice, refusal of care, escalation instructions, and persons notified.

8. Standard of Care

You must provide services with the skill, care, diligence, and competence expected of a licensed practitioner in your field. You must comply with Nigerian healthcare laws and regulations, professional regulator rules and codes, patient rights and informed consent standards, medical confidentiality and data protection obligations, and Imani clinical safety, documentation, home visit, escalation, communication, and infection prevention policies. If any Imani workflow appears unsafe or inconsistent with patient safety or professional ethics, you must prioritise patient safety, document the issue, and notify Imani immediately.

9. Informed Consent

Before providing services, you must explain your name and professional role, the nature and limits of the service, the service type (telehealth, home visit, wellness check, or other), any material risks, limitations, or alternatives, when the patient should seek in-person or emergency care, that Imani may share notes and summaries with authorised sponsors, caregivers, and administrators, and the patient's right to refuse or stop the service. Consent must be documented in the Imani platform.

10. Patient Identity and Authority

Before providing care, you must verify the patient's or dependent's identity using at least two identifiers where possible. Sponsor payment does not override patient consent or privacy rights. For minors, vulnerable adults, or persons requiring assistance, an appropriate parent, guardian, caregiver, or responsible adult must be present unless Imani policy permits otherwise.

11. Home Visit Addendum

This section applies to every home, office, hotel, facility, or community visit performed through Imani.

11.1 Permitted Activities

Subject to your licence and approval, home visit activities may include basic wellness checks, blood pressure, pulse, temperature, oxygen saturation, weight, and blood glucose measurement, medication adherence checks, health education, symptom screening, vitals documentation, care notes, escalation recommendation, and sponsor or caregiver update through the platform.

11.2 Prohibited Activities Without Written Approval

You must not perform the following without express written approval from Imani: prescribe or change medication, administer injections, IV fluids, controlled drugs, sedatives, or high-risk medication, perform invasive procedures, treat emergencies as a replacement for hospital care, manage childbirth or high-risk maternal care outside approved protocols, collect samples requiring chain-of-custody or lab compliance, or provide services where consent is refused or unclear.

11.3 Safety Before Visit

Before attending a home visit, you must review patient profile, location, known risks, and visit purpose; confirm visit details through Imani channels; ensure your phone, data, and location services are active; carry identification and clean equipment and PPE; and decline or pause the visit if the location appears unsafe.

11.4 Arrival Rules

At arrival, you must check in on the platform, confirm patient identity, identify yourself, confirm consent, confirm that any required caregiver or chaperone is present, and explain the limited nature of the home visit.

11.5 Unsafe Environment

You must not enter, or must leave immediately, if there is a reasonable concern involving threats, harassment, intoxication, weapons, unsafe premises, infectious risk beyond available PPE, violence, absence of required caregiver, or any other unsafe condition. You must notify Imani and document the reason.

11.6 Home Visit Incident Reporting

You must report immediately, and no later than 2 hours after occurrence: patient injury, death, deterioration, or emergency transfer; refusal of urgent escalation; medication error; infection exposure or needlestick; threat, assault, harassment, theft, or property damage; safeguarding concern, abuse, neglect, or exploitation; patient or family complaint; police, regulator, media, lawyer, or insurer contact; or data breach or lost device.

12. Documentation and Medical Records

You must create accurate, timely, complete records for every encounter including patient identity confirmation, date, time, location, and mode of service, consent obtained, presenting concern, vitals and observations, clinical findings and advice, medication adherence observations, referrals or escalation recommendations, follow-up instructions, and any incidents or refusal of care. Records must be submitted through the Imani platform within 24 hours after completion. You must not falsify, backdate, exaggerate, delete, alter, or omit material clinical information.

13. Use of Imani AI, Summaries, and Translations

Imani may provide AI-generated summaries, translations, care alerts, or risk flags. These tools are assistive only. You must review AI output before relying on it, correct inaccuracies, avoid presenting AI output as a confirmed diagnosis unless clinically verified, use professional judgment, and document any disagreement with AI-generated content. Imani is not liable for harm caused by blind reliance on AI output without professional review.

14. Confidentiality and Data Protection

You must keep confidential all patient, sponsor, caregiver, platform, payment, clinical, operational, and business information obtained through Imani. You must not store patient data outside approved Imani systems, share patient data through personal WhatsApp or personal email, photograph or record a patient without explicit consent, access records of patients not assigned to you, or discuss patient information publicly. You must notify Imani within 12 hours of any suspected data breach or confidentiality incident.

15. Equipment, Infection Prevention, and Supplies

You must use appropriate, clean, functional, calibrated equipment and follow infection prevention standards. You are responsible for equipment you bring unless Imani provides equipment under a separate written arrangement. You must safely handle and dispose of clinical waste according to applicable law and Imani policy.

16. Professional Conduct

You must treat all patients, dependents, sponsors, caregivers, Imani staff, and other Practitioners with dignity and respect. You must not harass, abuse, threaten, exploit, or discriminate; provide services while impaired; request loans, gifts, or personal benefits; enter personal or exploitative relationships with users; bring unauthorized persons to visits; sell products outside the approved Imani workflow; divert patients off-platform; accept direct off-platform payment for Imani-originated users; make false outcome guarantees; or misrepresent your qualifications, fees, availability, or service scope.

17. Non-Circumvention

For 12 months after first contact with an Imani-originated patient, dependent, sponsor, caregiver, clinic, employer, or payer, you must not solicit, contract with, charge, treat, or receive payment from that person outside Imani for substantially similar services, unless Imani gives prior written consent. This clause does not prevent emergency care, existing patient relationships that predate Imani, or a patient's legal right to choose a provider.

18. Fees, Commission, Gateway Charges, and Payouts

Unless a separate written fee schedule applies:

• Gateway Fee = 4% of gross transaction amount plus NGN 400.
• Net Service Amount = Gross Transaction Amount minus Gateway Fee.
• Imani Platform Commission = 25% of Net Service Amount.
• Practitioner Gross Share = 75% of Net Service Amount.
• WHT is deducted from Practitioner Gross Share.
• Practitioner Cash Payout = Practitioner Gross Share minus WHT and approved deductions.

Example — NGN 50,000 qualified nurse visit: Gateway fee NGN 2,400 → Net service amount NGN 47,600 → Imani commission NGN 11,900 → Practitioner Gross Share NGN 35,700 → WHT at 5% NGN 1,785 → Practitioner Cash Payout NGN 33,915.

19. Tax Treatment

You are responsible for your income tax, filings, registrations, and tax compliance. Imani shall deduct withholding tax from Practitioner Gross Share unless the transaction or recipient is exempt. Default rates: Resident Nigerian Practitioner or entity 5%; Non-resident Practitioner or entity 10%; Employee nurses/doctors: PAYE treatment. WHT deducted by Imani is remitted to the relevant tax authority, not an additional Imani fee.

20. Refunds, Chargebacks, and Clawbacks

If a user receives a refund, chargeback, reversal, or correction relating to your service, Imani may deduct the applicable amount from future payouts or require repayment. If the refund arises from your misconduct, lateness, no-show, negligence, incomplete service, poor documentation, unsafe conduct, failure to obtain consent, or breach of this Agreement, you may bear all related costs including gateway charges, refund costs, investigation costs, and reasonable administrative costs.

21. Insurance

You must maintain professional indemnity or malpractice insurance in an amount acceptable to Imani. For home visits, you must also maintain insurance addressing bodily injury, property damage, travel risks, and third-party claims. You must provide evidence of insurance on request. Failure to maintain insurance is grounds for suspension.

22. Quality Assurance, Audit, and Monitoring

Imani may audit licensing and insurance, patient feedback, visit logs and location check-ins, documentation quality, clinical escalation compliance, response times, cancellations and no-shows, complaints and incidents, and billing and payout records. Imani may suspend your access during review or investigation.

23. Suspension and Termination

Imani may immediately suspend or terminate your account if Imani reasonably believes there is a patient safety risk, licence or credential issue, clinical negligence concern, data breach, fraud, misconduct, off-platform payment or patient diversion, repeated lateness or cancellations, poor documentation, regulator or legal risk, or breach of this Agreement. Either party may terminate for convenience with 14 days' written notice, subject to completion or reassignment of accepted bookings and settlement of outstanding amounts.

24. Practitioner Indemnity

You shall indemnify, defend, and hold harmless Imani, its affiliates, directors, officers, employees, contractors, investors, agents, and users from all claims, losses, liabilities, damages, fines, penalties, costs, and expenses, including legal fees, arising from your negligence, malpractice, misconduct, or breach of professional duty; bodily injury, death, property damage, or emotional distress caused by you; services outside your licence, scope, competence, or approval; misdiagnosis, delayed escalation, improper treatment, medication error, or documentation failure; failure to obtain consent; home visit incidents caused by you; breach of confidentiality or data protection obligations; fraud, misrepresentation, billing abuse, or off-platform diversion; or breach of this Agreement or applicable law.

25. Imani Liability Limitation

To the maximum extent permitted by law, Imani is not liable for your clinical decisions, diagnosis, treatment, prescription, failure to prescribe, clinical advice, omissions, professional negligence, or misconduct. Imani's aggregate liability to you for claims arising from this Agreement shall not exceed the platform commission actually retained by Imani from your services in the three months preceding the claim. This limitation does not apply to liability that cannot legally be limited.

26. Dispute Resolution and Governing Law

This Agreement is governed by the laws of the Federal Republic of Nigeria. The parties shall first attempt good-faith resolution for 14 days. If unresolved, disputes may be referred to mediation in Lagos, Nigeria. If still unresolved, disputes shall be submitted to the competent courts of Nigeria, unless Imani elects arbitration in Lagos under a separate arbitration procedure.

27. Acceptance

By signing or accepting electronically, you confirm that you have read and understood this Agreement, you are licensed, qualified, insured, and competent to provide accepted services, you will comply with Imani's platform rules and clinical safety policies, you accept the commission, gateway, payout, WHT, refund, and clawback rules, and you understand that serious breach may result in suspension, termination, reporting, and legal action.

38. Patient, Sponsor, and Platform User Terms and Policies

These Terms apply to patients, dependents, diaspora sponsors, caregivers, family members, account users, and any person using the Imani platform. By creating an account, subscribing, booking a visit, paying for services, accepting a home visit, using the dashboard, or otherwise using Imani, you agree to these Terms.

1. Parties and Acceptance

These Terms are between IMANI HEALTH AND TECHNOLOGY LTD ("Imani", "we", "us", or "our") and any patient, dependent, sponsor, caregiver, account holder, visitor, or platform user ("User", "you", or "your").

2. What Imani Provides

Imani provides a healthcare coordination platform for telehealth coordination, nurse wellness visits, home visit booking, vitals recording and health monitoring, medication reminders, care alerts, family health dashboard, AI-assisted summaries, sponsor and dependent communication, and payment processing and subscription management. Imani is not an insurance company, hospital, pharmacy, ambulance service, emergency response provider, or guarantor of clinical outcomes.

3. Emergency Disclaimer

Do not use Imani as your first or only option in a medical emergency. For emergencies, contact local emergency services, go to the nearest hospital, call a doctor, or use urgent care channels immediately. Emergency symptoms include chest pain, severe shortness of breath, stroke symptoms, seizure, severe bleeding, loss of consciousness, severe allergic reaction, severe pain, suicidal thoughts, major injury, or any sudden serious deterioration. Imani may provide escalation recommendations, but Imani does not replace emergency care.

4. User Categories

4.1 Sponsor

A Sponsor is a person who pays for or manages care for a dependent, often from outside Nigeria. The Sponsor confirms that they have authority to create the dependent profile, the dependent or guardian has consented where required, information provided is accurate, the Sponsor will not use Imani to secretly monitor a dependent, and sponsor payment does not override the dependent's legal consent, privacy, or care decision rights.

4.2 Dependent or Patient

A Dependent or Patient is the person receiving care, monitoring, reminders, visits, or consultations. Dependents and Patients have rights to dignity, privacy, confidentiality, informed consent, respectful treatment, and refusal of care, subject to applicable law.

4.3 Caregiver

A Caregiver may assist the patient or dependent with communication, access, reminders, or home visits. Caregivers must act honestly and in the patient's best interest.

5. Account Responsibilities

You must provide accurate information, keep contact and medical details current, use the platform lawfully, keep login credentials confidential, pay all applicable fees, treat Practitioners and other users respectfully, provide a safe environment for home visits, ensure a responsible adult is present where required, and notify Imani of errors, complaints, or unauthorised account access.

You must not harass, abuse, threaten, exploit, discriminate, or retaliate; provide false medical, identity, payment, or location information; record Practitioners without consent; request off-platform services or payments; misuse medical advice, prescriptions, notes, or AI summaries; or use Imani for fraud, illegal activity, or unauthorised monitoring.

6. Medical Services and Clinical Limitations

You understand that nurse wellness visits are limited monitoring and support services; telehealth has limitations compared with physical examination; vitals readings may be affected by device, timing, user condition, and environment; AI summaries, reminders, translations, and alerts may contain errors; medication reminders do not guarantee safe medication use; Imani does not guarantee diagnosis, cure, prevention, or outcome; and a Practitioner may refuse, stop, or escalate a service where clinically appropriate.

7. Home Visit Policy

7.1 Consent

By booking or accepting a home visit, you consent to an Imani-assigned Practitioner attending the listed location for the booked service. The Practitioner may ask for identity confirmation, consent confirmation, and caregiver presence before starting.

7.2 Safe Environment

You must provide a safe, respectful, and accessible environment. The Practitioner may refuse to enter or may leave if there is a threat, harassment, or abuse; unsafe premises; intoxication, violence, or weapons; infectious risk beyond available protection; wrong address; absence of required caregiver; patient refusal; or any situation that makes the visit unsafe or inappropriate.

7.3 Minors and Vulnerable Persons

For minors, elderly dependents with cognitive impairment, vulnerable adults, or persons requiring assistance, an appropriate caregiver, guardian, or responsible adult must be present unless Imani permits otherwise.

7.4 No-Show and Failed Visit

If the Practitioner arrives and the patient is absent, unreachable, refuses care, lacks required caregiver, or the environment is unsafe due to user fault, Imani may treat the visit as consumed and charge applicable fees.

8. Subscription Plans

FamilyCare subscriptions are healthcare support subscriptions, not insurance. Current planned packages:

• FamilyCare Essential — USD 19/month, 1 dependent, up to 2 nurse visits per month.
• FamilyCare Plus — USD 39/month, 2 dependents, up to 4 nurse visits per month.
• FamilyCare Premium — USD 79/month, 4 dependents, flexible visits subject to fair use.

Annual billing is priced at 10 months for 12 months of access unless the live pricing page states otherwise. Plans may include clinical services and non-clinical platform services. Imani may split invoices between medical-service components and platform/dashboard/admin/AI/care coordination components.

9. Billing, Taxes, and Payment Charges

Subscriptions renew automatically until cancelled. Imani may charge subscription fees, add-on visit fees, telehealth fees, payment gateway or processing fees, applicable VAT or taxes, and refund, cancellation, no-show, or chargeback adjustments where permitted.

Imani's adopted tax position: qualified practitioner-rendered medical services are mapped as 0% VAT where applicable; platform access, dashboard, admin support, AI summaries, reminders, translation, care coordination, software access, and non-clinical services are standard-rated at 7.5% VAT; payment gateway charges are disclosed and booked separately where charged to users. Prices may be shown in USD, NGN, or another supported currency.

10. Visit Quotas

Visit quotas apply per billing period, do not roll over unless Imani states otherwise, are reserved when a visit is booked, are consumed when a visit is completed, may be consumed for no-shows or late cancellations, and are restored if Imani cancels or the user cancels early enough under the cancellation rules.

11. Cancellation, Pause, and Payment Failure

11.1 Cancellation

You may cancel a subscription through account settings or support. Unless stated otherwise, cancellation takes effect at the end of the current paid billing period. Access continues until the end of that paid period. No new renewal charge will be taken after the current paid period ends.

11.2 Pause

Where supported, Sponsors may pause a subscription for up to 60 days. During pause: no recurring charge should be taken for the paused period, visit quotas are frozen, new visits may be unavailable, existing visits may be cancelled or rescheduled, and reactivation resumes billing and access.

11.3 Payment Failure

If payment fails, Imani may retry payment. The subscription may enter a grace period of up to 5 days. Scheduled visits may be held pending payment. If payment is not recovered, the subscription may be suspended. Reactivation within 30 days may restore remaining quota, subject to plan rules.

12. Refund Policy

12.1 Refund Eligibility

You may be eligible for a full or partial refund where Imani charged you in error, charged you twice for the same service, cancelled a paid service without providing a reasonable substitute, a paid nurse visit was not delivered due to Imani or Practitioner fault, you were charged after a valid cancellation took effect, or applicable law requires a refund.

12.2 Limited or No Refund

Refunds may be denied or reduced where the billing period started and services were made available, you forgot to cancel before renewal, the patient refused care after the Practitioner attended, the patient or household was absent or provided the wrong address, cancellation occurred less than 24 hours before a scheduled visit, you breached safety or conduct rules, or gateway, FX, card issuer, bank, or third-party fees are non-refundable.

12.3 Nurse Visit Cancellation Rules

Unless the live plan states otherwise:

• More than 24 hours before visit: quota restored or payment credited.
• 4 to 24 hours before visit: Imani may charge 50% of the visit value or consume equivalent credit.
• Less than 4 hours before visit: visit may be treated as consumed.
• No-show, wrong address, unsafe location, or required caregiver absent: visit may be treated as consumed.
• Practitioner no-show or Imani cancellation: quota restored, visit rescheduled, or refund/credit provided.

12.4 Refund Processing

Approved refunds are processed to the original payment method where possible. Imani aims to initiate approved refunds within 7 to 14 business days after approval, but bank, card, payment provider, and FX timing may vary.

13. Privacy and Health Data

Imani may process identity and contact information, sponsor-dependent relationship information, health history, medications, allergies, vitals, symptoms, visit notes, care alerts, and summaries, payment and billing records, device, login, location check-in, audit, support, and communication records, and consent and authorization records. This information is used to create and manage accounts, verify identity and consent, coordinate care, process payments, maintain medical and operational records, generate reminders, alerts, summaries, and dashboard insights, communicate with users and Practitioners, investigate incidents, fraud, and safety issues, and comply with law.

14. AI Summaries, Translations, and Alerts

AI summaries, translations, reminders, and alerts are support tools. They may be incomplete, delayed, inaccurate, or misunderstood. They are not a substitute for professional medical advice, diagnosis, emergency care, or direct consultation with a qualified health practitioner. You should contact a qualified health practitioner or emergency service if you are worried about any medical condition.

15. User Conduct and Platform Safety

Imani may suspend or terminate access for non-payment, fraud or chargeback abuse, harassment, threats, or unsafe conduct, false information, misuse of medical records or platform content, repeated no-shows, off-platform payment requests, violation of these Terms, or risk to patient safety, Practitioner safety, Imani, or other users.

16. Complaints and Incidents

Users may report complaints, clinical concerns, refund requests, data concerns, or safety incidents through Imani support. Serious incidents should be reported immediately, including patient injury or deterioration, Practitioner misconduct, unsafe home visit, data breach, payment error, or abuse, neglect, or safeguarding concern. Imani may investigate, request information, suspend accounts, preserve records, contact Practitioners, notify insurers, and take safety action.

17. Limitation of Liability

To the maximum extent permitted by law, Imani is not liable for independent Practitioner malpractice, negligence, or misconduct; user failure to seek emergency or in-person care; inaccurate information supplied by users; service delays caused by events outside Imani's reasonable control; payment provider, telecoms, internet, bank, device, or third-party failures; AI summary, translation, or reminder inaccuracies; or indirect, consequential, special, punitive, or loss-of-profit damages. Where Imani is legally liable, Imani's aggregate liability for a paid service shall not exceed the amount paid by the user to Imani for the specific service giving rise to the claim in the three months preceding the claim.

18. User Indemnity

You agree to indemnify Imani, its directors, officers, employees, contractors, Practitioners, and affiliates from claims, losses, liabilities, damages, penalties, and costs arising from false information you provide, unsafe home visit environment, harassment, abuse, threats, or misconduct, unauthorised monitoring or sharing of dependent data, off-platform payment or service arrangements, fraud, chargeback abuse, or payment misuse, or breach of these Terms.

19. Changes to Terms

Imani may update these Terms, plans, prices, refund rules, tax treatment, and platform policies from time to time. Material changes may be notified through the app, website, email, or other reasonable channel. Continued use after changes means you accept the updated Terms.

20. Governing Law and Disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. The parties shall first attempt good-faith resolution through Imani support. If unresolved, disputes may be referred to mediation in Lagos, Nigeria. If still unresolved, disputes shall be submitted to the competent courts of Nigeria, unless Imani elects arbitration in Lagos under a separate arbitration procedure.

21. User Acceptance

By clicking "I Agree", subscribing, booking, paying, or using Imani, you confirm that you have read these Terms, you understand Imani is not insurance or emergency care, you consent to applicable billing, taxes, refunds, privacy, and home visit rules, you will provide accurate information, you will provide a safe environment for Practitioners, and you accept that qualified clinical services and non-clinical platform services may be separately invoiced and taxed.

36. Contact Information