Terms of Service

1. Acceptance of Terms

By accessing or using ARDodo ("the Platform," "Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. These Terms constitute a legally binding agreement between you and ARDodo.

2. Description of Service

ARDodo is a HIPAA-compliant accounts receivable management platform designed for healthcare funding companies, medical lien funders, and investors. The Platform provides:

• Case and claims management
• Investment tracking and portfolio management
• Document generation and storage
• Reporting and analytics
• Law firm and provider integration
• Payment processing and tracking

3. User Accounts and Registration

3.1 Account Creation

To use the Platform, you must create an account or be granted access by an authorized administrator. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Account Types

The Platform offers different account types:

• Company/Funder Accounts: Full access to case management, document generation, and administrative features
• Investor Accounts: Access to portfolio tracking, investment reports, and ROI analytics
• Administrator Accounts: Full system access including user management and settings

3.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activity.

4. Acceptable Use Policy

You agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Platform for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the Platform or other users' accounts
• Interfere with or disrupt the Platform's operation or security
• Upload viruses, malware, or other malicious code
• Scrape, crawl, or use automated tools to access the Platform
• Reverse engineer, decompile, or disassemble any part of the Platform
• Share your account credentials with unauthorized individuals
• Use the Platform to transmit spam or unsolicited communications
• Violate HIPAA regulations or compromise PHI security

5. HIPAA Compliance and PHI

5.1 Business Associate Relationship

ARDodo acts as a Business Associate under HIPAA. By using the Platform, you acknowledge that:

• You are a Covered Entity or Business Associate under HIPAA
• You will use the Platform in compliance with HIPAA regulations
• You will only access PHI for authorized purposes
• You will report any suspected breaches immediately

5.2 Security Obligations

You agree to:

• Use strong passwords and enable multi-factor authentication when available
• Log out of your account when not in use
• Not share PHI with unauthorized individuals
• Report security incidents within 24 hours
• Complete required HIPAA training

6. Intellectual Property

6.1 Platform Ownership

The Platform, including all software, designs, text, graphics, logos, and other content, is owned by ARDodo and protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform for its intended purpose.

6.2 User Content

You retain ownership of all data, documents, and content you upload to the Platform ("User Content"). By uploading User Content, you grant us a limited license to:

• Store, process, and transmit your User Content to provide the Service
• Create backups and ensure data redundancy
• Generate de-identified analytics to improve the Platform

We will never sell, share, or use your User Content for purposes other than providing the Service without your explicit consent.

7. Payment Terms

7.1 Subscription Fees

Access to the Platform requires a paid subscription. Fees are based on your selected plan and are billed monthly or annually. You agree to:

• Pay all fees when due
• Provide valid payment information
• Authorize automatic recurring charges
• Pay any applicable taxes

7.2 Refunds and Cancellation

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial months or unused services, except as required by law.

7.3 Price Changes

We reserve the right to change our pricing with 30 days' notice. Continued use of the Platform after a price change constitutes acceptance of the new pricing.

8. Data Backup and Loss

While we maintain automated encrypted backups and implement disaster recovery procedures, you are responsible for maintaining your own backups of critical data. We are not liable for any data loss, corruption, or unavailability except as expressly stated in our Service Level Agreement (SLA).

9. Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. The Platform may be unavailable due to:

• Scheduled maintenance (with advance notice)
• Emergency maintenance or security updates
• Third-party service disruptions
• Force majeure events beyond our control

10. Disclaimers and Limitations of Liability

10.1 Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.

10.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARDODO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE PLATFORM. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless ARDodo, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your User Content

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

12.2 Arbitration

Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules. You waive your right to participate in class action lawsuits.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes

Your continued use of the Platform after changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Platform and cancel your account.

14. Termination

Either party may terminate this agreement at any time. Upon termination:

• Your access to the Platform will be immediately revoked
• You will have 30 days to export your data
• We will retain your data for 90 days before permanent deletion
• Audit logs will be retained for 6 years (HIPAA requirement)
• You remain liable for any outstanding fees

15. Miscellaneous

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any Business Associate Agreement, constitute the entire agreement between you and ARDodo.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

15.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

16. Contact Information

If you have questions about these Terms of Service, please contact: