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These Terms of Service ("Terms") govern your access to and use of the Kureon application and services (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Kureon is operated by Meer Feerasta (sole operator) pending incorporation; references to "we", "us", or "our" in these Terms mean the operator.

1. Eligibility & accounts

You must be at least 18 to hold an account. You are responsible for the accuracy of the information you provide, for safeguarding your credentials, and for all activity under your account. Notify us immediately of any unauthorized use.

2. Permitted use

The Service lets you and family members you authorize store and review health records and connected-device metrics. You may use it only for lawful, personal, non-commercial purposes and only with respect to individuals whose information you are authorized to manage.

3. Not medical advice

The Service, including any AI-generated analysis, is for informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified clinician. Never disregard professional advice because of something in the Service. See the full Medical Disclaimer.

4. Connected services

When you connect a third-party account (e.g. Oura, WHOOP), you authorize us to access your data through that provider's API. Your use of those providers is also subject to their terms. You may disconnect at any time.

5. Acceptable use

• No uploading of data you are not authorized to handle.
• No attempts to access other users' data, probe, or disrupt the Service.
• No reverse engineering except as permitted by law.
• No use that violates any applicable law or third-party rights.

6. Your content

You retain ownership of the records you upload. You grant us a limited license to store and process that content solely to provide the Service to you.

7. Availability

The Service is provided on an "as is" and "as available" basis. We do not warrant uninterrupted or error-free operation, or any particular result. Keep independent copies of important records.

8. Disclaimer of warranties

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of data, profits, or goodwill, or for any health decision made in reliance on the Service.

To the same extent, our total aggregate liability arising out of or relating to the Service, from all claims combined, is capped at the greater of (a) the fees you paid us for the Service in the 12 months before the event giving rise to the claim, or (b) USD 100.

These limitations apply only to the extent permitted by law. They do not limit or exclude liability where the law does not allow it, including non-waivable rights under applicable consumer-protection statutes, and nothing in these Terms limits or excludes our liability for willful misconduct or fraud.

10. Indemnification

You agree to indemnify and hold us harmless from claims arising out of your use of the Service or violation of these Terms.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access for violation of these Terms or to protect the Service or its users.

12. Product-specific terms

Clinic modules (provider portal)

All AI output produced by the clinic modules, including notes, codes, claims, appeal letters, and recall drafts, is draft-only. The clinic's licensed staff are solely responsible for reviewing and approving every draft before any use. The Service is not the practice of medicine and does not create a provider-patient relationship. Clinics remain responsible for their own regulatory obligations, including licensure, coding accuracy, and billing compliance.

Medical chronologies

Medical chronologies are factual litigation-support work product, prepared only on the written authorization of the patient whose records they summarize, for review by a licensed attorney (in Canada, a licensed lawyer). They are not legal advice and not legal services, and no attorney-client or lawyer-client relationship is created with us. The retaining lawyer must verify every entry against the source records before use in any proceeding.

Insurance features

Claims drafting, extended-benefits forms, appeal letters, prior-authorization tracking, and eligibility checks produce drafts and information for your own submission. We are not an insurer, insurance agent, adjuster, or claims service, and we make no guarantee of coverage or benefit outcomes.

Benefits, coverage, and cost tools

Tools that describe insurance transitions (COBRA, marketplace, Medicare, Medicaid), government or veterans' benefit programs, caregiver-payment programs, hospital financial-assistance policies, medication prices, and provider or facility quality ratings are informational only. They are not legal, financial, tax, or benefits advice, and they do not determine or guarantee eligibility, enrollment, pricing, or payment for any program. Program rules, deadlines, premiums, and price figures change; always verify with the official program, insurer, pharmacy, or agency before acting. Facility and provider quality data comes from public CMS datasets and may be incomplete or out of date; it is not a referral, endorsement, or recommendation. Letters the Service generates (for example records requests under 45 CFR 164.524, complaint drafts, or financial-assistance requests) are templates you review, edit, and send yourself; we do not file anything on your behalf and no attorney-client relationship is created.

13. Governing law & jurisdiction

The Service is offered only to residents of the United States, Canada, Pakistan, and Portugal. The Service is not offered to residents of Quebec. Your use is governed by the laws applicable in your country of residence, and you are responsible for complying with your local laws. Health-data protections that may apply include, by region: the FTC Health Breach Notification Rule for personal accounts, and HIPAA where a provider uses our provider portal (United States); PIPEDA and applicable provincial laws (Canada); the Personal Data Protection framework (Pakistan); and the GDPR and Portuguese data-protection law (Portugal). Where a dispute arises, it shall be resolved under the laws of the Province of Ontario, Canada, and the courts located there, without regard to conflict-of-law rules, except where mandatory local law in your place of residence provides otherwise.

14. Changes

We may update these Terms; continued use after changes means you accept them.

15. Contact

[email protected].