Welcome to Advocatia. These Terms of Service (“Terms”) set forth the terms and conditions that apply to your access and use of our website(s) (the “Website”) and our Benefit Triage platform (the “Platform”) (collectively, the “Services”).

Please review these Terms carefully. If you do not agree to these Terms, you may not access or use the Services. The terms “Advocatia” or “us” or “we” or “our” refer to Advocatia Solutions, Inc., the owner of the Services. The terms “you” or “your” refer to the user of our website, authorized representative of the recipient of the Services (if any) or recipient of the Services.

1. Acceptance You agree to the terms and conditions set forth in these Terms. These Terms are the only agreement between us and you with respect to your use and access of the Services. You must be at least the age of legal majority where you live (which is currently 18 years old in most states) to use our Services on behalf of yourself and those minors and other persons, if any, for whom you are the legal representative. If you are the parent or guardian of a minor, we may collect information from you regarding that minor in order to provide the Services. If you do not accept these Terms, you may not use or access this Website and we cannot provide the Services to you.

2. Privacy The Privacy Policy is incorporated by reference into these Terms, and your agreement to be bound by these Terms of Service means you are also bound by the Privacy Policy.

3. Use of Services Certain sections of, or offerings from, the Services may require you to register. If registration is requested, you agree to provide us with accurate, complete registration information; you are expressly prohibited from using a false e-mail address or other identifying information. You represent that you have the right to provide us with all such information and any other information you provide in relation to the Services. You agree to update your account information, as necessary, including providing us with your current email address and other contact information, so that you may receive notifications and other Service related notifications. Please see the Privacy Policy for additional information. Each registration is for your personal use only and not on behalf of any other person or entity, unless you are the legally authorized representative of the recipient of the Services. You may not share any registration, password or user ID with any other person; you understand and agree that you will not share that any access granted to you or Services provided to you to any other person. You authorize Advocatia, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to otherwise provide the Services to you. Advocatia reserves the right to close, suspend, or limit access to your account and/or the Services for any reason.

4. Communications When you agree to these terms, you agree to being contacted by us via phone, text message or email. If you do not want to be contacted, you may tell us that at any time, either on a phone call or via email. You may opt-out of receiving text messages at any time by replying “STOP” to a text message or by following the instructions in any such email you receive from us. You understand by opting out of receiving communications may impact or end your receipt of important communications regarding our Services.

5. Intellectual Property The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Services are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights; you understand that these rights are valid and protected in all media now existing or later developed. The copying, redistribution, use or publication by you of any such matters or any part of the Services, except as expressly allowed by these, is strictly prohibited. You do not acquire ownership rights to any content or other materials viewed, displayed or otherwise provided on the Website or through the Services. The postings of information or materials on the Services does not constitute a waiver of any right in such information and materials. Some of the content on the Services is the copyrighted work of third parties. Advocatia’s name, logo, and all related names, logos, product and service names, designs, and slogans, whether registered or unregistered, are trademarks of Advocatia or its affiliates or licensors. You must not use such marks without the prior written permission of Advocatia. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners and you must not use such marks without the prior written permission of the applicable owner. Without limiting anything in these Terms, you understand and agree that you may not modify or use the Services or Content (defined below) for any commercial purpose and you understand that any such use is a violation of intellectual property rights owned by Advocatia and third parties. Without limiting any of the foregoing, you understand and agree that you may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, incorporate into another website, or in any other way exploit the Website, Platform, Services and/or any of the Content, in whole or in part. Advocatia reserves the right to terminate your license at any time, with or without notice.

6. Limited License Restrictions on Use You are granted a non-exclusive, non-transferable, revocable license to access and use the Services strictly in accordance with these Terms. All other rights are reserved to Advocatia. Your license for access and use of the Services and any information, products, services and materials they contain (collectively defined as “Content”) therein are subject to the following restrictions and prohibitions on use: you may not (a) copy, republish, display, distribute, transmit, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Services or any Content retrieved therefrom; (b) create compilations or derivative works of any Content from the Services; (c) use any Content from the Services in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of us or any third parties; (d) remove, change or obscure any copyright notice or other proprietary notice or terms of use contained in the Services; (e) make any portion of the Services available through any timesharing system, service bureau, the Internet or any other technology now existing or developed in the future; (f) remove, decompile, disassemble or reverse engineer any software in the Services; (g) use any automatic or manual process to harvest information from the Services; (h) use the Services in a manner that violates any law, rule or regulation; or (i) use the Services in any way except as expressly permitted by these Terms.

7. Disclaimer The information and Content from or through the Services are provided “as-is,” “as available,” with “all faults”, and warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability and fitness for a particular purpose). We do not guarantee that the Services will be available at all times or without error, that defects will be corrected or that the Services are free of harmful components, although we use commercially reasonable efforts to address the foregoing. You understand that the information and services may contain bugs, errors, problems or other limitations. We and our Affiliated Parties have no liability whatsoever for your use or access of the Services or of any information or services provided or accessed through the Services. No advice or information, whether oral or written, obtained by you from us through the Services or otherwise shall create any warranty, representation or guarantee not expressly stated in these Terms. No advice or information, whether oral or written, obtained by you from us through the Services or otherwise is intended to constitute medical advice or replace the advice of your healthcare providers. Without limiting the foregoing, Advocatia does not warrant or make any representation regarding the use, or the results of the use, of the Website, Platform, Content or any aspect of the Services. YOU UNDERSTAND AND AGREE THAT THE SERVICES ARE INFORMATIONAL IN NATURE, DESIGNED TO FACILIATE YOUR APPLICATION TO CERTAIN ASSISTANCE PROGRAMS AND ARE NOT ANY GUARANTEE THAT YOU ARE ELIGIBLE FOR OR WILL RECEIVE ANY FINANCIAL OR OTHER ASSISTANCE FROM ANY GOVERNMENTAL OR NON-GOVERNMENTAL PROGRAM. ALL SUCH PROGRAMS ARE SOLELY RESPONSIBLE FOR DETERMINING AND ASSESSING THE ELIGIBILITY REQUIREMENTS OF SUCH PROGRAM; ADVOCATIA DOES NOT SET ANY ELIGIBILITY REQUIREMENTS OR DETERMINE WHETHER ANY ASSISTANCE WILL OR WILL NOT BE GRANTED TO ANY APPLICANT. Third-party content may appear on the Services or may be accessible via links from the Services. We are not responsible for and assume no liability for any mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content on the Services. You understand that the information and opinions in the third-party content represent solely the thoughts of the author and are neither endorsed by nor do they necessarily reflect our belief.

8. Indemnification You agree to indemnify, defend and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, assigns, third party suppliers (“Affiliated Parties”) or information and documents, attorneys, advertisers, products and service providers, and affiliates harmless from any liability, loss, claim and expense, including reasonable attorney’s fees, related to your violation of these Terms or access or use of the Services.

9. Limitation of Liability We and any Affiliated Party are not liable for any indirect, special, incidental, punitive, or consequential damages (including damages for loss of business, loss of profits, litigation, or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability, or otherwise, even if advised of the possibility of such damages. The negation and limitation of damages set forth above are fundamental elements of the basis of the bargain between us and you. The Services and the Content presented would not be provided without such limitations. The aggregate liability of us and any Affiliated Party in connection with any claim arising out of or relating to these Terms, the Services and/or the Content provided herein or hereby shall not exceed $100 and that amount shall be in lieu of all other remedies which you may have against us and any Affiliated Party.

10. Miscellaneous Linked Sites. The Website, Platform and/or Content may contain links to other websites solely for your convenience. Advocatia does not endorse, nor make any warranties or representations about, any website you may access through a link from the Website, Platform and/or Content. You agree and acknowledge that you (and not Advocatia) assume all risk for any dealings or transactions of any nature, including without limitation, the purchase or use of any products or services from, or the reliance upon any information or materials contained in, such linked websites. Such linked websites may have their own terms of use and privacy policies and Advocatia is not responsible or liable with respect thereof. Your Feedback. If you provide Advocatia with information including, without limitation, feedback data (e.g., questions, comments, suggestions or the like) regarding the Services or any other Advocatia materials (collectively, "Feedback"), the Feedback shall be deemed to be non-confidential and we shall have no obligation of any kind with respect to the Feedback. In addition, you agree and acknowledge that we shall be free to reproduce, use, disclose, display, exhibit, transmit, perform, create derivative works and distribute the Feedback to others without limitation, and to authorize others to do the same. Further, we shall be free to use any ideas, concepts, know-how or techniques contained in the Feedback for any purpose whatsoever, including, without limitation, developing, manufacturing and marketing products and other items incorporating the Feedback. Advocatia shall not be liable or owe any compensation for any use or disclosure of the Feedback. Modifications. These Terms may be amended at any time by us without specific notice to you. The latest Terms will be posted on the Website, and you should review the Terms periodically and prior to using the Services, so you are aware of any changes. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. Advocatia reserves the right at any time and without notice to discontinue or change the Website, Platform, Services and/or Content. Governing Law and Jurisdiction. These Terms of Service shall be governed by the laws of the State of Tennessee without regard to conflicts or choice of law rules or principles. Any action to enforce these Terms shall be filed in the State or Federal Courts located in Williamson County, Tennessee, only. Unlawful Activity. We reserve the right to investigate complaints or reported violations of these Terms and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses or other contact information, usage history, posted materials, IP addresses and traffic information. We also reserve the right to deny you access to our Services without prior notice if we deem you or your activity to constitute a risk to us or our Services, the Platform or other users of the Services or Platform.

11. Digital Millennium Copyright Act Notice If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on the Website, please notify Advocatia’s copyright agent, as set forth in the Digital Millennium Copyright Act of 1998 (DMCA). For your complaint to be valid under the DMCA, you must provide the following information in writing: 1. An electronic or physical signature of a person authorized to act on behalf of the copyright owner; 2. Identification of the copyrighted work that you claim is being infringed; 3. Identification of the material that is claimed to be infringing and where it is located on the Website; 4. Information reasonably sufficient to permit Advocatia to contact you, such as your address, telephone number, and e-mail address; 5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law; and 6. A statement, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner. The above information must be submitted to info@advocatia.io with “DMCA NOTICE” in the subject line.

12. Contact Information If you have any questions or concerns about these Terms of Service, please email us at info@advocatia.io.

Privacy Policy
This Privacy Policy was last updated on April 11, 2025. Advocatia is committed to maintaining the privacy, integrity and security of any personal information about our users. This Privacy Policy ("Privacy Policy") explains how we protect personal information we collect in connection with your use of the Website and, in some cases, the Services, and how we use and in some cases disclose that information. "Personal information" for purposes of this Privacy Policy means information that identifies you, such as your name, address, phone number, or email address. If you are using the Website and/or Services through a link or referral from your health plan or healthcare provider, and if you provide us with any protected health information, that information will be handled in accordance with the Business Associate Agreement between us and your health plan or healthcare provider.
This Privacy Policy is subject to the Terms, which are incorporated by reference. Capitalized terms in this Privacy Policy have the same definitions provided in the Terms, unless otherwise indicated.

What Personal Information We Collect
In order to access or use certain portions of Website or Platform you need authenticate or create a profile on the website (a " Account"). You can alter and correct any personal information provided by you authenticating Account. When you authenticate for an Account, you are required to provide the certain information, such as your name, email address, other contact information, and to verify your information that we may already have on file. You may not use a false name or email address. We collect industry standard log data about the browser and operating system you are using, the address of the external or internal page that referred you, your IP address at the time of account creation and keep a log of the pages that you visit on the Website in association with your IP address. We also collect the IP address associated with the device accessing the Website and/or Platform. We may collect location data provided by your mobile device. You can then turn location on and off within the app to activate optional features. You can opt-out of location services at any time.

How We Use Your Personal Information
Advocatia uses Google Analytics to obtain certain information and statistics, which may include your personal information. Advocatia will not use your personal information for purposes other than those listed in this Privacy Policy unless we obtain your consent first. Advocatia uses your personal information to: Provide you with access to the Website and Platform, and to provide you with the Services; Analyze Website usage and improve the Website, Platform and other materials; Deliver to you any administrative notices and communications relevant to your use of the Website and/or Platform; Perform internal research, market and business analyses, project planning, troubleshooting problems, and to detect and protect against error, fraud or other criminal activity; and Enforce the Terms and this Privacy Policy.

Disclosure to Third Parties
At times Advocatia may make certain personal information available to strategic partners that work with Advocatia to provide products and/or services to you or who provide services such as information processing, order fulfillment, product delivery, customer data management, customer research and the like; these companies are obligated to protect your information. We may also disclose information about you if we determine that disclosure is reasonably necessary to enforce the Terms or this Privacy Policy, or to protect our operations or users, or if we are required to do so by any applicable law, rule, regulation, subpoena or other legal process. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party. Use of Aggregated Anonymous User Data We also collect data in a form that does not, on its own, permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose. Aggregated data is considered non-personal information for the purposes of this Privacy Policy, is owned exclusively by Advocatia and may be used by Advocatia for any purpose, including purposes related to artificial intelligence and improving the Services.

Cookies and Other Technology
The Website may use "cookies" and other technologies such as, but not limited to, pixel tags and web beacons. Cookies are alphanumeric identifies in the form of text files that are inserted and stored by your web browser on your computer's hard drive. These technologies tell us which parts of the Website you have visited, limit the number of times you see certain information, or help us better determine which information you may like to see or to alert you to software compatibility issues. They are also used to analyze and improve the Website’s and Platform’s design and functionality. If you choose to delete cookies from your device or block them from being stored on your device, please note that the full functionality of the foregoing items may not be available to you. Pixel tags and web beacons are images embedded in the Website and/or Platform for the purpose of measuring and analyzing usage and activity. Advocatia, or third party service providers acting on our behalf, may use web beacons to help us analyze website usage and improve the Website, Platform and other aspects of the Services. We may use third party service providers to help us analyze certain online activities and improve our products and services. For example, these service providers may help us measure the performance of our online campaigns or analyze visitor activity on Advocatia websites. We may permit these service providers to use cookies and other technologies to perform these services for Advocatia. We do not share any personal information about our users with these third party service providers, and these service providers do not collect such information on our behalf. We may use search and display advertising and retargeting cookies for various business purposes. Third Party Products or Services Offered Through the Website There may be a number of separate products and services offered by third parties advertised or displayed by us on the Website that may be complementary to your use of the Services (collectively, "Third Party Offers"). If you choose to use these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and not this Privacy Policy. You should evaluate the practices of external service providers before deciding to use their services. Advocatia is not responsible for their privacy practices. If you click on a link to a third party site, Advocatia encourages you to check the privacy policy of that site. Advocatia may present links in a format that enables us to keep track of whether these links have been followed and whether any action has been taken on a third party web site. We use this information to improve the quality of the Third Party Offers and customized content on the Website and other Advocatia Materials.

Surveys
From time to time, Advocatia may ask you to participate in surveys designed to help Advocatia improve the Services. Any personal information provided to Advocatia in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Privacy Policy. Children We do not knowingly collect any personal information from children under 18. If we discover that a child under the age of 18 has provided us with personally identifying information, we will take steps to delete the information as soon as possible. This does not apply to information about children under 18 that is provided by such child’s parent, guardian or legal representative for the purpose of providing the Services. Data Use Following Termination Following cancellation or termination of your account, Advocatia may continue to utilize de-identified and anonymized historical data associated with your use of the Services.

Data Security
If applicable, protected health information, as described above, is secured and protected in accordance with the Business Associate Agreement between Advocatia and the relevant “Covered Entity” (or business associate of such Covered Entity) such as, for example, your health plan or healthcare provider. If a Business Associate Agreement is not applicable, your information, including any health information you may provide, is secured and protected as described in this Section. We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, that are designed to maintain the security of your data and to protect Advocatia accounts and systems from unauthorized access.. Please know that while these are industry-standard methods of data security, there is no fool-proof method of data security and we cannot guarantee that these methods or any other methods will prevent any and all unauthorized access. It is also important to understand that these precautions apply only to our website and systems. We exercise no control over how your information is stored, maintained or displayed by third parties or on third-party sites. Your Responsibility for Maintaining the Confidentiality of Your Login ID and Password If applicable, you are responsible for maintaining the security of your login ID and password. If you believe that your login ID or password have been compromised you should immediately change your password and contact support. We are not responsible if someone else accesses your account through registration information they have obtained from you or through a violation by you of this Privacy Policy or the Terms of Use. If you have a security related concern, please contact compliance@advocatia.io

International Data Transfer
Your data is stored in the United States and is subject to United States laws, which may differ from laws of other nations.

California Residents
The California Consumer Privacy Act (“CCPA”) and the California Privacy Rights Act (“CPRA”) do not currently apply to Advocatia. Updates to this Privacy Policy We may update this Privacy Policy periodically. The date last revised appears at the top of the Privacy Policy. Changes take effect immediately upon posting.

Contact Us
If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, send an email to compliance@advocatia.io.