TERMS AND CONDITIONS OF USE OF THE CDOCTORSTEAMS PLATFORM

CDoctorsTeams is a digital platform operated by CDoctorsTeams LLC and the entities of its group organized in the various countries of operation ("CDoctorsTeams," "we," "us"). The Platform is, first and foremost, a health social network that connects health Professionals, Providers of health products and services, and members of the general public interested in health content and information; it also functions as a marketplace for health products and services and as a health events and education platform, offering, solely in the countries where they have been enabled, consultation and telemedicine features (the "Clinical Features").

By accessing, registering for, or using the Platform (web or mobile application), you accept these Terms and Conditions ("T&C"), the Privacy Policy (which includes the Telemedicine Policies), and any supplemental rules published. If you do not agree, do not use the Platform.

Precisely because it is a social network and a marketplace, and not a health care provider, CDoctorsTeams does not provide health care services, does not employ the Professionals, does not sell the Providers' products, and does not take part in the clinical relationship between Professionals and Patients. Health care services are provided exclusively by the Professionals under their own responsibility.

• Professional: an individual holding a professional degree in health, duly licensed in his or her jurisdiction, and registered on the Platform.
• Patient / Client: an individual over 18 years of age who uses the Platform to connect with Professionals or Providers.
• Responsible Adult: a Patient who represents that he or she exercises parental authority, guardianship, or legal representation over a minor and manages consultations on the minor's behalf.
• User: any person registered on the Platform.
• Team: a group of Professionals created by an Administrator (Team 1-3 or Team 4-6).
• Clinic: the registration of a clinical entity or medical center, treated as equivalent to a Team 4-6 for membership purposes.
• Administrator: a User who creates a Team or registers a Clinic and assumes responsibility for validating its members.
• Local Entity: a company of the CDoctorsTeams group organized in a given country, responsible for promoting the Platform and for verifying the professional Users of that country.
• Provider: an entity or person offering products (pharmaceuticals, supplies, medical equipment) or health services (elder care, physical therapy, nursing, etc.).
• Clinical Features: the four consultation modalities described in Section 6, the consultation chat, the clinical record, and the associated AI tools. Their availability varies by country.
• EMR: the electronic medical record generated by the Professional within the Platform.
• AI: artificial intelligence tools integrated into the Platform: the clinical documentation assistant (AI Scribe) and the AI assistant available to Users.
• AI Credits: units of use that allow the AI assistant to be used.
• Diamond Package: an offer that a Professional publishes on the Platform for his or her Patients, which includes a number of consultations for a set price.
• Platform Payment: payment for a consultation made by card through the integrated payment gateway.
• External Payment: payment for a consultation made in cash or by bank transfer, directly between Patient and Professional, outside the Platform.

3.1. The Platform consists of: (a) professional profiles, teams, and clinics; (b) a feed of educational health content directed to Professionals, Providers, and the general public ("Posts"); (c) live events and conferences ("Events"); (d) a Provider marketplace; and (e) the Clinical Features.

3.2. The Clinical Features are enabled on a country-by-country basis, as CDoctorsTeams completes the regulatory requirements of each jurisdiction. The list of countries with active Clinical Features is published on the Platform. In countries where they are not active, the Platform operates as a professional network, marketplace, and events platform, and Users may sign up for waiting lists.

3.3. The content of Posts and Events is exclusively educational and informational: it does not constitute a medical consultation, does not create a physician-patient relationship, and is not a substitute for care by a health care professional.

3.4. CDoctorsTeams may modify, enable, or disable features by country without such action constituting a breach, and will provide notice thereof on the Platform.

4.1. Every Professional or Provider must register with truthful information (résumé, supporting documents, current licenses, photograph, contact information).

4.2. Scope of verification. Verification of the Professionals and Providers who register in a country is the responsibility of the Local Entity of that country. With respect to Professionals added to a Team or Clinic, verification is the responsibility of its Administrator (Section 15). CDoctorsTeams does not individually verify all Users of the Platform and does not warrant that the published credentials are current at any given time.

4.3. Patients are advised to verify directly, with the relevant professional registry or licensing board, the credentials of any Professional before engaging his or her services.

4.4. Any misrepresentation will result in immediate suspension without liability to the Platform.

4.5. Minimum age: the Platform is exclusively for persons over 18 years of age. Registrations by minors are not accepted.

5.1. Minors may not register for or use the Platform directly under any circumstances.

5.2. A Responsible Adult may schedule and manage consultations for the benefit of a minor in his or her care, representing under his or her own responsibility that he or she exercises parental authority, guardianship, or legal representation over the minor.

5.3. All communication takes place exclusively between the Responsible Adult and the Professional. The minor may be present during the consultation accompanied by the Responsible Adult, but does not interact with the Platform and does not hold an account.

5.4. Informed consent for the minor's care is given by the Responsible Adult. The minor's health data is recorded under the Responsible Adult's account and receives the enhanced protection applicable to sensitive data.

6.1. Where the Clinical Features are enabled, the Platform allows scheduling of four modalities:

6.2. In-person and home consultations. In these modalities, the Platform serves exclusively a scheduling and contact function. CDoctorsTeams does not participate in travel, does not supervise the place of care, does not verify the conditions of the facility or the home, and is not responsible for the safety, integrity, or conduct of any persons during the in-person consultation. Each party shall take reasonable precautions before agreeing to in-person or home care.

6.3. Telemedicine is not a substitute for in-person care in emergencies or when a physical examination is required. In the event of an emergency, contact your local emergency services.

7.1. The Platform does not issue, transmit, or manage medical prescriptions of any kind, including electronic prescriptions, in any country.

7.2. If a Professional decides to prescribe a medication or treatment, he or she must do so outside the Platform, by his or her own means, under his or her sole responsibility, and in compliance with the regulations of his or her jurisdiction. CDoctorsTeams does not participate in, validate, or assume responsibility for any prescription.

8.1. CDoctorsTeams collects only two types of charges: memberships and AI Credits (clause 8.5). Memberships are available for individual Professionals, Teams (1-3 and 4-6), Clinics, and Providers, with the billing cycles available on the Platform: monthly, semiannual, and annual.

8.2. Automatic renewal. Memberships renew automatically at the end of each cycle, charged to the payment method on file, unless the User cancels them from his or her account before the renewal date. The User will receive advance notice before each renewal. Cancellation takes effect at the end of the current cycle and does not entitle the User to a prorated refund of the cycle already paid, without prejudice to any non-waivable rights granted to the User under the laws of his or her country.

8.3. Billing entity. The membership is billed by the entity of the CDoctorsTeams group corresponding to the User's country, as indicated on his or her receipt or invoice. Applicable taxes are determined in accordance with the laws of that country.

8.4. Prices may be changed upon at least 30 days' prior notice. Continued use after the effective date constitutes acceptance.

8.5. AI Credits. Use of the AI assistant (clause 18.4) consumes AI Credits. Patients have a free credit allowance and Professionals have the credits included in their membership, as indicated on the Platform. Once they are used up, the User may purchase additional credits at the published prices. AI Credits are non-refundable and non-transferable, are for personal use, and do not expire while the account remains active, without prejudice to any non-waivable rights granted to the User by the laws of his or her country. When the purchase is made through an app store, that store's terms shall also apply.

9.1. CDoctorsTeams does not charge any commission, fee, or withholding on consultation fees. The entire amount the Patient pays for a consultation or for a Diamond Package belongs to the Professional. CDoctorsTeams' revenue comes exclusively from memberships and AI Credits.

9.2. Available methods. The Patient chooses the payment method when scheduling, from among those enabled for his or her country and for the chosen modality:

• Cash payment is available only for in-person modalities.
• Payment for consultations by card is available only in countries where the integrated payment gateway allows payment to be settled to the Professional. In all other countries, consultations are paid in cash or by transfer. The list of countries with card payment for consultations is published on the Platform.
• Card payment remains available in all countries for membership fees.

9.3. Platform Payment (card). Processed through the integrated payment gateway upon confirmation of the request.

9.4. External Payment (cash and transfer). Payment is made directly between the Patient and the Professional, outside the Platform, by whatever means both agree upon. In these cases, CDoctorsTeams does not receive, hold, process, transfer, or guarantee the payment, does not take part in determining or collecting it, and is not a party to the financial relationship between Patient and Professional. The Platform only records the parties' statements (for example, that the Patient indicates having made the transfer and that the Professional indicates having received the payment), without verifying or certifying the transaction. Any dispute regarding an External Payment must be resolved directly between them.

9.5. Transfers. The Professional configures in his or her profile the transfer methods through which he or she accepts payments, from among those available in his or her country, together with the information necessary to receive them. When choosing transfer, the Patient selects from among the methods configured by that Professional, or the option to arrange it through the Platform chat. The Professional's transfer details are shown to the Patient only once the appointment has been accepted. The payment flow does not include free-text fields.

9.6. Professional's discretion. The Professional knows the payment method chosen before accepting the request and may decline it without any penalty or contact the Patient through the Platform chat to agree on another form of payment. The Professional decides which transfer methods to offer in his or her profile; in countries where transfer is the only payment method for online consultations, the Professional must have at least one configured in order to receive requests.

9.7. Diamond Packages. The Professional may publish Diamond Packages for his or her Patients: a number of consultations for a price, with the terms of use that the Professional specifies when publishing it. A Diamond Package is an offer made by the Professional, not by CDoctorsTeams:

• The entire price belongs to the Professional; CDoctorsTeams does not charge any commission.
• It is paid with the methods enabled for the Patient's country (clause 9.2). When paid in cash or by transfer, the provisions for External Payments (clause 9.4) apply.
• The package is used up when the included consultations are used, within the period of use specified by the Professional.
• Unused consultations, refund requests, and any disagreement about the package are resolved directly between the Patient and the Professional. CDoctorsTeams does not refund Diamond Packages.

10.1. Consultations with Platform Payment (card). If the Patient cancels, the following schedule applies:

If the Professional cancels or fails to appear, the Patient receives a 100% refund.

10.2. Consultations with External Payment (cash or transfer). Since no payment has been made through the Platform, no refund or charge applies: the cancellation merely voids the appointment, and both parties are notified. If the Patient and the Professional had made an advance payment between themselves, its return shall be resolved directly between them, without the involvement of CDoctorsTeams.

10.3. Diamond Package consultations. Consultations that are part of a Diamond Package are governed by the terms of the package (clause 9.7).

10.4. Cancellations must be made through the Platform. Repeated cancellations or failure to appear without notice may result in usage restrictions.

11.1. Users grant CDoctorsTeams a non-exclusive license to use their profile and the content they post on the Platform. Content must be truthful and must not infringe the rights of third parties.

11.2. Community rules. In Posts, comments, and Events:

• Professionals' content must be educational and general. Providing personalized clinical instructions in public spaces is prohibited (comments, Event chats). Individual inquiries must be directed to private channels.
• Posting personal health information (one's own or that of third parties) in public spaces is prohibited. The Platform will display reminder notices and may remove content that includes such information.
• All educational content will include a notice that it does not constitute a medical consultation and does not create a physician-patient relationship.
• Users have access to a mechanism for reporting inappropriate, misleading, or risky content.

11.3. Live events. The speaker who creates an Event consents to its recording and distribution in accordance with the settings he or she chooses when creating it, and warrants that its content is educational, truthful, and respectful of the rights of third parties.

Users agree to comply with the ethical, legal, and health regulations applicable in their country, including the confidentiality of patient data in accordance with local laws.

Each Professional or Provider is personally liable for his or her acts, diagnoses, treatments, products, services, and any damages caused. The Professional is solely responsible for holding the license or registration required in the jurisdiction in which he or she provides care, including—where applicable—the Patient's jurisdiction, as well as for complying with his or her tax obligations on the fees he or she receives, whether through Platform Payments or External Payments.

CDoctorsTeams is a technology facilitator: it does not provide health care services, does not sell products, and assumes no liability for the quality, suitability, results, or conduct of Users, or for payments agreed upon outside the Platform. This limitation is without prejudice to the data protection obligations that the law imposes directly on CDoctorsTeams and that are described in the Privacy Policy.

15.1. The Administrator assumes full and exclusive responsibility for: (a) verifying, validating, and approving the truthfulness, validity, and legitimacy of the degrees, licenses, and information of each professional he or she adds; (b) ensuring that its members comply with the applicable ethical, legal, and health regulations; (c) supervising the proper use of the Platform by his or her Team or Clinic.

15.2. CDoctorsTeams does not validate additional members added by the Administrator.

15.3. CDoctorsTeams shall be released from liability for: (a) inaccuracies in members' credentials; (b) acts, omissions, or negligence of such members; (c) internal disputes among the Administrator, members, and third parties.

15.4. Indemnification: the Administrator shall indemnify and hold CDoctorsTeams harmless from any claims arising from the addition or activities of members who were not properly verified, regulatory non-compliance by his or her Team or Clinic, or damages related to his or her management.

15.5. CDoctorsTeams may suspend or delete any Team, Clinic, or Administrator account upon detected or reasonably suspected irregularities.

16.1. In each country of operation, the Platform may be promoted and administered by a Local Entity of the CDoctorsTeams group, which is responsible within its territory for promoting the Platform and for verifying the Professionals and Providers who register in that country.

16.2. The Local Entity must comply with the regulations applicable in its territory and is bound by these T&C and the Privacy Policy.

16.3. Data protection. CDoctorsTeams LLC and the corresponding Local Entity are joint controllers of the processing of the personal data of Users in that country, under the terms of the agreement entered into between them and in accordance with the Privacy Policy. Users may exercise their rights before either of them, through the published contact channels.

16.4. Internal business relationships between CDoctorsTeams LLC and its Local Entities are governed by separate agreements and do not confer rights on Users or modify these T&C.

17.1. Providers warrant the truthfulness of their information and compliance with all health, customs, and marketing regulations of the countries in which they operate (including, among others: FDA and state laws in the U.S.; Health Canada; COFEPRIS in Mexico; INVIMA in Colombia; DIGEMID in Peru; ISP in Chile; ANMAT in Argentina; ANVISA in Brazil; MSP in Uruguay; MINSA in Panama; Ministerio de Salud in Costa Rica; DINAVISA in Paraguay; AEMPS in Spain).

17.2. The Provider assumes full responsibility for its products, services, and content, and shall indemnify CDoctorsTeams for any resulting claims. CDoctorsTeams is not liable for the quality, transactions, or disputes of Providers, and may suspend accounts or remove listings upon non-compliance or well-founded notices.

18.1. Documentation assistant (AI Scribe). It is an informational and documentation support tool (suggestions and drafts of clinical notes based on the transcription of the consultation). It is not a diagnostic instrument and is not a substitute for clinical judgment.

18.2. AI features applied to the consultation operate only with the Patient's prior and express consent, given for each consultation. The AI-generated draft is always reviewed and edited by the Professional before being incorporated into the EMR.

18.3. The Professional assumes full responsibility for his or her clinical decisions and for verifying every AI suggestion, and shall indemnify CDoctorsTeams for any claims arising from its use. CDoctorsTeams is not liable for the AI's responses or for clinical decisions made on the basis of them.

18.4. AI assistant. The Platform offers all Users a conversational AI assistant, which runs on AI Credits (clause 8.5). The assistant provides general information and help with using the Platform: it does not diagnose, does not give medical advice, does not prescribe treatments, does not replace a consultation with a health professional, and must not be used in emergencies. Its responses may contain errors, and the User is responsible for the decisions he or she makes. For any symptom or health concern, the User should consult a Professional; in an emergency, the local emergency services.

18.5. Conversations with the AI assistant are processed in accordance with the Privacy Policy. Users are advised not to include third parties' health data in them.

The processing of personal data is governed by the Privacy Policy, which forms an integral part of these T&C. Where the Clinical Features are active in jurisdictions that so require (for example, the U.S. under HIPAA), CDoctorsTeams will enter into the corresponding business associate agreements (BAAs) or data processing agreements with Professionals and Clinics.

CDoctorsTeams may suspend or delete accounts for breach of these T&C, risk to other Users, or at the request of a competent authority. Termination does not affect the clinical record retention obligations described in the Privacy Policy or membership fees already accrued.

We may modify these T&C by providing at least 15 days' prior notice through the Platform or by email. Continued use constitutes acceptance.

22.1. These T&C are governed by the laws of the State of Florida, U.S.

22.2. Any dispute shall be resolved by binding arbitration seated in Tampa, Florida, administered by the American Arbitration Association (AAA) in accordance with its rules.

22.3. The foregoing does not deprive Users of the non-waivable rights granted to them by the mandatory laws of their country of residence (including consumer protection and data protection laws), which shall prevail in the event of conflict. Where a Local Entity exists, consumer claims may also be directed to it in accordance with the laws of that country.

Email: support@cdoctorsteams.com

WhatsApp: +1 (813) 338-5011

You may also write to us from the help section of the Platform.