Terms of Service

Welcome to Viscacare

Viscacare is operated by Gewardz Health, a trading name of Gewardz Media Ltd ("the Company").

As soon as you register for this service, we will send a welcome email to you with all of the instructions on the service and how to access your dashboard and Doctor services. Please check your email (including spam folder) after registration.

1. Agreement to Terms

By accessing and using Viscacare services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service govern your use of our healthcare platform, including all online Doctor consultations, healthcare navigation tools, AI-powered guidance, and related services provided to individuals, families, and business members.

2. Service Description

Viscacare provides subscription membership services (monthly) that include:

• Online Doctor appointments for you and your family
• Healthcare system information for 170+ countries
• AI-powered healthcare navigation and guidance
• Personal dashboard for saving countries and bookmarks
• Travel health checklists and resources
• Access to service portal and resources

All Doctor services are provided through our secure online platform with no additional per-consultation costs when using our services.

3. Registration and Account

To use our services, you must register for an account and provide accurate, complete information. You are responsible for maintaining the security of your account credentials.

Family Membership Limits

Each membership covers a maximum of Parents + 4 children. This includes:

• The primary member and their partner/spouse
• Up to 4 dependent children who reside at the same address
• Children in full-time education up to the age of 23 (even if residing at a different address for educational purposes)

Age and Legal Capacity

To register as the primary member you must be at least 18 years old and legally capable of entering into a binding contract in your country of residence. By registering, you confirm that this is the case. Children and other dependants added under a family membership are covered by the primary member's contract with us; the primary member is responsible for their use of the service.

4. Payment Terms and Minimum Membership Period

Minimum Period of Membership

You have a minimum 6-month membership period. By signing up, you agree to be liable for a minimum of 6 monthly payments. After the initial 6 months your membership continues on a rolling monthly basis and can be cancelled at any time.

14-Day Cooling-Off Period

Under the EU Consumer Rights Directive (2011/83/EU), the Irish Consumer Rights Act 2022 and the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have 14 days from the date your subscription starts to change your mind and cancel without giving a reason.

Express request to begin service during the 14 days. At checkout we ask you to tick a box acknowledging that you may use online Doctor visits during the 14-day period and that a fee of €39 (or approximate GBP equivalent at the prevailing exchange rate on the day of charge) per visit used will apply if you then cancel. By ticking that box and using the service before day 14, you are expressly requesting that we begin performance of the service during the cooling-off period, as required by Article 7(3) of the Directive and regulation 36 of the UK CCRs.

If you cancel within the 14 days and have used one or more online Doctor visits, Viscacare may charge the standard market rate of €39 (or the approximate GBP equivalent) per online Doctor visit used before cancellation. This charge reflects the value of the service actually supplied at your request and is proportionate to what has been provided. Where you have used no visits during the 14 days, cancellation within cooling-off is free of charge and any monies paid will be refunded within 14 days to the payment method used.

Voluntary Cooling-Off for Non-EU/UK Consumers

The statutory 14-day right of withdrawal above applies to consumers resident in the EU, EEA, United Kingdom and Switzerland. As a matter of policy — and beyond what the law strictly requires — Viscacare voluntarily extends the same 14-day cooling-off period, on the same terms (including the €39 per online Doctor visit used), to consumers resident outside the EU/EEA/UK/Switzerland.

How to exercise the right of withdrawal. To cancel within the 14-day period, email accounts@gewardz.com with a clear statement of your decision to withdraw, or use the model withdrawal form below. You may copy and paste it into an email:

To: Gewardz Media Ltd (Viscacare)
     Northern Ireland, BT35 6AU, United Kingdom
     accounts@gewardz.com

I hereby give notice that I withdraw from my contract for the following service:
  - Service: Viscacare membership
  - Ordered on: [date]
  - Name of consumer: [name]
  - Address of consumer: [address]
  - Email used to register: [email]
  - Signature (if paper): ____________________
  - Date: [date]

Subscription Details

• No setup or joining fees
• No additional consultation charges
• Payments are made monthly in advance on the same date each month
• Charges will appear as "Gewardz" on bank statements

Important Payment Information

Following the 6-month minimum term, you may cancel your subscription at any time. There are no refunds or partial refunds for payments already processed, except where a refund is required by law (including your 14-day right of withdrawal above and your statutory remedies for services or digital content that do not conform to contract under the Irish Consumer Rights Act 2022, the UK Consumer Rights Act 2015 and applicable EU law).

5. Service Availability

• Online Doctor appointments: 8am to 10pm, 7 days a week
• Viscacare dashboard: Available 24/7
• AI healthcare guidance: Available 24/7

Emergency services: Our services are NOT intended for emergency medical situations. For urgent medical needs, contact your local emergency services (999/112) immediately.

6. Important Medical Disclaimer

Viscacare provides healthcare system information and online Doctor access. The healthcare navigation information on this platform is for general informational purposes only and should not be considered as a substitute for professional medical advice, diagnosis, or treatment.

Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Clinical Provider — Health Hero (who actually delivers care)

Viscacare is a healthcare navigation and booking platform. We are not a healthcare provider, medical practice, hospital, or clinic. Online Doctor consultations accessed through the platform are delivered by Health Hero, a regulated digital health provider (the "Clinical Provider") whose clinicians exercise their own independent clinical judgement and hold their own professional indemnity insurance and clinical governance.

By using the online Doctor service you also enter into a separate care relationship with Health Hero, subject to Health Hero's terms and clinical policies. Clinical decisions, prescriptions, referrals, notes and the medical record are the responsibility of Health Hero and its clinicians, not of Gewardz Media Ltd or Viscacare. Any complaint about a clinical matter (including diagnosis, prescribing, referral or bedside manner) should in the first instance be directed to Health Hero; we will help you route it.

AI Healthcare Assistant — Important Limitations

Our AI healthcare assistant (including any feature marketed as "MIA") is an automated information tool. It produces text on the basis of statistical language models and may be inaccurate, incomplete, or out of date. Its output is not medical advice, not a diagnosis, and is not reviewed in real time by a clinician. Do not rely on the AI assistant to decide whether or not to seek urgent care, take a medicine, stop a medicine, or manage a medical condition. Always confirm anything of clinical importance with a qualified healthcare professional. You use the AI assistant at your own risk; to the extent permitted by law, we exclude liability for any decision you take based on its output.

7. Cancellation Policy

How to Cancel

You can cancel your membership subscription from your Profile page in the app, or by emailing accounts@gewardz.com.

Cancellation Terms

• Minimum Term: If you cancel before the end of your 6-month minimum term, you remain liable for any remaining payments in that period.
• Cooling-off usage fee: If you cancel within the 14-day cooling-off period after using one or more online Doctor appointments, you agree to pay €39 (or the approximate GBP equivalent) per appointment used before cancellation.
• Access: Upon cancellation, your access to Doctor benefits will remain active until the end of your current paid billing period, at which point access will cease.
• Medical Records: While portal access ceases upon termination, your medical records remain protected and accessible upon request via support@gewardz.com in accordance with statutory health record retention requirements.

Anti-Evasion Retention

To protect the integrity of the 6-month minimum term and recover any outstanding cooling-off usage fees, we retain a limited set of hashed identifiers (email, phone number and Stripe payment card fingerprint) for 12 months from cancellation. If those identifiers appear on a new sign-up or checkout during that period, we will refuse the new subscription and ask you to contact support to settle any outstanding balance. Full detail — including the legal basis, how to request early release, and how to object — is set out in Section 10 of our Privacy Policy.

8. Suspension and Termination by the Company

We may suspend or terminate your membership at our discretion in the following circumstances:

• Fraud or misrepresentation: Providing false information during registration, impersonating another person, or using a stolen payment method.
• Abuse or misuse of service: Using Doctor appointments for commercial purposes, reselling access, or booking appointments you do not intend to use.
• Excessive or unreasonable use: Usage patterns that materially exceed fair personal or family use and impair service availability for other members.
• Illegal or harmful conduct: Using the service for unlawful purposes, or engaging in harassment, threatening behaviour, or abuse toward our staff or doctors.
• Material breach of these Terms: Any serious or repeated breach that undermines the service or our contractual relationship.

Notice and Process

Where immediate suspension is necessary to protect the service, our doctors, or other members — for example, suspected fraud, abuse, or illegal conduct — we may suspend your access without prior notice and notify you afterwards. For other material breaches, we will give you at least 14 days' written notice by email to your registered address, specifying the breach and requesting that you remedy it. If the breach is not remedied within that period, or is incapable of remedy, we may terminate your membership with immediate effect.

Effect of Termination by Us

On termination by the Company, your access to Doctor services and the Viscacare dashboard will cease immediately or on the date specified in our notice. You remain liable for any fees that fell due before termination. There is no refund of fees already paid for the current billing period unless a refund is required by law (including your 14-day cooling-off rights and applicable statutory remedies). The anti-evasion retention of hashed identifiers described in Section 7 applies as normal.

9. Limitation of Liability and Clinical Disclaimers

While we strive to provide high-quality healthcare services, the following limitations apply:

• Prescriptions: Our doctors cannot prescribe controlled substances, certain specialised medications, or high-level psychiatric drugs. Prescriptions and referrals are provided solely at the doctor's clinical judgement.
• Scope: Services are supplementary and not a replacement for local primary care or specialist secondary care.
• Technology: Occasional technical limitations may affect service availability.

Financial Cap on Liability

To the fullest extent permitted by applicable law, and subject to the consumer-rights carve-out below, our total aggregate liability to you arising out of or in connection with these Terms or your use of Viscacare — whether in contract, tort (including negligence), misrepresentation, breach of statutory duty or otherwise — shall not exceed the total membership fees actually paid by you to us in the twelve (12) monthsimmediately preceding the event giving rise to the claim.

We do not exclude or limit liability where it cannot lawfully be excluded or limited, including for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or for your non-excludable rights as a consumer under the Irish Consumer Rights Act 2022, the UK Consumer Rights Act 2015 and applicable EU law. We are not liable for the acts or omissions of the Clinical Provider or its clinicians (see Section 6), whose services are provided under a separate relationship with you.

We are not liable for indirect, consequential or purely economic loss, loss of profit, loss of anticipated savings, loss of business or reputation, or loss of data, in each case to the extent such exclusion is permitted by law.

10. Privacy and Data Protection

We take your privacy seriously and comply with all applicable data protection laws, including GDPR. Your personal and health information is protected according to our Privacy Policy.

In particular, please review Section 10 of the Privacy Policy for how we retain hashed identifiers for 12 months after cancellation to enforce these Terms, and how we record related security events.

11. Intellectual Property

All content on Viscacare, including text, graphics, logos, and software, is the property of Gewardz Health and is protected by intellectual property laws. You may not use, copy, or distribute our content without prior written permission.

12. Changes to Terms

We may need to change these Terms from time to time — for example to reflect a change in the law, in regulatory guidance, in the services we offer, or in the third parties we rely on. We will not make changes that materially disadvantage you without following the process below.

Notice. We will give you at least 30 days' written notice by email to your registered address before any material change takes effect, explaining what is changing and why. Minor changes that do not affect your rights (such as correcting typographical errors or clarifying wording) may be made without notice.

Your right to cancel. If you do not accept a material change, you may cancel your membership before it takes effect and we will not apply the 6-month minimum term to that cancellation. We will refund any amount you have paid in advance for services you will not receive. You will not be treated as having accepted a change simply because you continue to use the service.

Price changes. Your subscription price is fixed for your 6-month minimum term. After that, we may change the price with at least 30 days' notice; if you do not accept the new price you may cancel before it takes effect and the new price will never be charged to you without that notice and that opportunity to cancel.

13. Force Majeure and Service Interruptions

We are not in breach of these Terms, and are not liable for any delay or failure to perform, where the delay or failure is caused by an event outside our reasonable control. This includes (without limitation): failure or unavailability of essential third-party infrastructure providers (including our payment processor Stripe, our platform host Lovable Cloud / Supabase, and the Clinical Provider that delivers the online Doctor service); loss of internet connectivity or telecommunications; large-scale cyber attacks; acts of government, regulator, or court; industrial action; epidemic or pandemic; fire, flood, or other natural events; and war, terrorism, or civil unrest.

Where a force majeure event materially affects the service for a prolonged period, we will use reasonable efforts to notify you, to restore service, or — where continuation is no longer viable — to offer a fair pro-rata credit or refund of undelivered service as required by law. Nothing in this section limits your non-excludable statutory rights as a consumer.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Northern Ireland, United Kingdom, without regard to its conflict of law provisions.

Consumer protection. If you are a consumer resident in the European Union, the European Economic Area, the United Kingdom or Switzerland, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of the country in which you are habitually resident (Article 6 of Regulation (EC) No 593/2008, "Rome I"). You may also bring proceedings in the courts of your country of residence.

15. Contact Information

General Support: support@gewardz.com

Account & Billing: accounts@gewardz.com

16. Complaints & Dispute Resolution

We want to resolve any concern quickly and fairly. Please email complaints@viscacare.com (or accounts@gewardz.com) with the detail of your complaint. We aim to acknowledge complaints within 5 working days and to provide a substantive response within 30 days.

Alternative Dispute Resolution (ADR). We do not currently have an approved ADR provider appointed. If we join an approved consumer ADR scheme in the future, we will update this section with the provider's name and contact details. In the meantime, we will continue to handle complaints directly under the process above.

You always retain the right to use the free national consumer bodies in your country of residence, including:

• Republic of Ireland: Competition and Consumer Protection Commission (CCPC) — ccpc.ie; Small Claims via courts.ie.
• United Kingdom: Citizens Advice consumer service — citizensadvice.org.uk.
• Other EU/EEA countries: your national European Consumer Centre (ECC-Net) — ECC-Net directory.

Nothing in these Terms limits your right to bring a complaint before a national regulator or a court in your country of residence.