Salucro User Agreement

Last updated September 17, 2015

The Following Terms and Conditions apply to your use of the Salucro Payment Platform.

  1. Explain to you how we protect your privacy
  2. Explain to you your dispute rights for the various payment methods Salucro accepts
  3. Post Salucro’s user agreement, which describes the terms of use for making payments on PatientPortal.me

If you have any questions, please feel free to contact Customer Support via live chat or email support, or call 866.430.7333. Thank you for using PatientPortal.me.

CONTENT

  • Our Relationship with You
  • Accounts
  • Making Payments
  • Restricted Activities
  • Resolution Proceedings for Unauthorized Transactions and Other Errors
  • Disputes with Patientportal.me
  • Definitions

In order to use any functionality on www.patientportal.me or www.salucro.com, you must read, agree with and accept all, of the terms and conditions contained in this Agreement. We may amend this Agreement at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a Substantial Change, we will provide you with 30 Days prior notice of any Substantial Change by posting notice on the “Policy Updates” page of our website.

OUR RELATIONSHIP WITH YOU.

Patientportal.me is Only a Payment Service Provider. Patientportal.me helps you make payments to third parties. Patientportal.me is an independent contractor for all purposes, except that Patientportal.me acts as your agent with respect to the custody of your funds only. Patientportal.me does not have control of, or liability for, the products or services that are paid for with the Patientportal.me Services. Your Privacy. Protecting your privacy is very important to Patientportal.me. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your Information. Notices to You. You agree that Patientportal.me may provide notice to you by posting it on our website, emailing it to the email address listed in your Account, or mailing it to the street address listed in your Account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three Business Days after it is sent. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting Patientportal.me as described in section 1.7 below. Notices to Patientportal.me. Except as otherwise stated below in section 12 (Errors and Unauthorized Transactions) and section 14 (Disputes with Patientportal.me), notice to Patientportal.me must be sent by postal mail to: Salucro Healthcare Solutions, LLC. Attention: Legal Department, 3333 E. Camelback Rd. Suite 250, Phoenix, AZ 85018.

ACCOUNTS

Identity Authentication. You authorize Patientportal.me, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying your Information against third party databases or through other sources. Third Party Permissions. If you grant express permission to a third party, such as your medical provider or billing company to take specific actions on your behalf, or access particular information about your Account, either through your use of the third party’s product or service, you acknowledge that Patientportal.me may disclose the information about your Account that is specifically authorized by you to this third party. You also acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. Further you acknowledge and agree that you will not hold Patientportal.me responsible for, and will indemnify Patientportal.me from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant.

MAKING PAYMENTS

Payment Limits. We may, at our discretion, impose limits on the amount of money you can pay through the Patientportal.me Services. Payment Method Limitations. In order to manage risk, Patientportal.me may limit the Payment Methods available for a transaction. In addition, Payment Methods may be limited if you make a Patientportal.me payment through certain third party websites or applications. In such cases, you may choose to continue with the transaction with the understanding that you may have fewer avenues available for dispute resolution should the transaction turn out to be unsatisfactory. Please see our “About your payments” document to see what types of dispute options are available to you for each payment method you may be offered. Bank Transfers. When the ACH or E-Check is used as your Payment Method, you are requesting an electronic transfer from your bank account. For these transactions, Patientportal.me will make electronic transfers via ACH from your bank account in the amount you specify. You agree that such requests constitute your authorization to Patientportal.me to make the transfers. Once you have provided your authorization for the transfer, you will not be able cancel the electronic transfer. You give Patientportal.me the right to resubmit any ACH debit you authorized that is returned for insufficient or uncollected funds. Refused and Refunded Transactions. When you make a payment, the recipient is not required to accept it. You agree that you will not hold Patientportal.me liable for any damages resulting from a recipient”s decision not to accept a payment made through the Patientportal.me Services. If a payment is unclaimed, denied or refunded for any reason, we will return the money to the original Payment Method. Recurring Payments. A Recurring Payment is a payment in which you authorize a Provider to directly charge your Account on a one-time, regular, or sporadic basis. An example of a Recurring Payment is signing up for a service where you agree to allow a Provider to directly charge your Account each month for a particular service you have purchased or received. Recurring Payments are sometimes called “subscriptions”, “preapproved payments, “preauthorized transfers” or “automatic payments.” Canceling Recurring Payments. You may cancel a Recurring Payment at any time prior to the date the payment is scheduled to be made. To cancel a Recurring Payment, please contact your provider or support@Patientportal.me. You may also cancel a Recurring Payment by calling at 866.430.7333 x2. Please keep in mind that Recurring Payments are sometimes referred to as “subscriptions” or “preapproved payments.” In addition, if you cancel a Recurring Payment you may still be liable to the Provider for the payment and be required to pay the Provider through alternative means. Accuracy of Information. You are responsible for confirming the accuracy of the information you provide about each payment you send, including the email address or telephone number, and all relevant billing information. Debit Card Processing. Patientportal.me will process your debit card funded transactions through theVisa/MasterCard network.

RESTRICTED ACTIVITIES

Restricted Activities. In connection with your use of our website, your Account, or the Patientportal.me Services, or in the course of your interactions with Patientportal.me, other Users, or third parties, you will not: Breach this Agreement or any other agreement or policy that you have agreed to with Patientportal.me; Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising); Act in a manner that is defamatory, trade libelous, threatening or harassing; Provide false, inaccurate or misleading information; Send or receive what we reasonably believe to be potentially fraudulent funds; Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us; Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both Patientportal.me and the Provider, bank or credit card issuer for the same transaction; Use an anonymizing proxy; Integrate the Patientportal.me Services in a manner inconsistent with Patientportal.me integration guidelines; Use your Account or the Patientportal.me Services in a manner that Patientportal.me, Visa, MasterCard, American Express, Discover, PayPal or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules; Take any action that imposes an unreasonable or disproportionately large load on our infrastructure; Facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information; Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission; Use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our website or the Patientportal.me Services; Take any action that may cause us to lose any of the services from our internet service providers, payment processors, or other suppliers; Use the Patientportal.me Services to test credit card behaviors.

RESOLUTION PROCEDURES FOR UNAUTHORIZED TRANSACTION AND OTHER ERRORS

Notification Requirements. You should immediately notify Patientportal.me if you believe: there has been an unauthorized transaction or unauthorized access to your Payment Methods; your Patientportal.me password has been compromised; you need more information about a transaction listed on the statement or transaction confirmation. For unauthorized transaction(s) or other errors involving your Patientportal.me account: Click the live chat on our home page or Email Support: Support@Patientportal.me or Telephone Patientportal.me Customer Service at 866.430.7333. For unauthorized transaction(s) or other errors in your Account, notify us as follows: When you notify us, provide us with all of the following information: Your name and email address A description of any suspected unauthorized transaction or other error and an explanation as to why you believe it is incorrect or why you need more information to identify the transaction; and The dollar amount of any suspected unauthorized transaction or other error. During the course of our investigation, we may request additional information from you. Patientportal.me Actions after Receipt of Your Notification. Once you notify us of any suspected unauthorized transaction or other error, or we otherwise learn of one, we will do the following: We will conduct an investigation to determine whether there has been an unauthorized transaction or other error that is eligible for protection. If we determine that there was an error, we will promptly credit the full amount of the error into your Account within one Business Day of our determination. Patientportal.me Processing Errors. We will rectify any processing error that we discover. If the error resulted in your payment of less than the correct amount to which you were entitled, Patientportal.me will credit your Payment Method for the difference. If the error results in your receipt of more than the correct amount to which you were entitled, Patientportal.me will debit the extra funds from your Payment Method. Patientportal.me will not rectify the following errors: (a) through no fault of ours, you did not have enough available funds to complete the transaction, (b) our system was not working properly and you knew about the breakdown when you started the transaction, or (c) circumstances beyond our control (such as fire or flood or loss of Internet connection) prevented the transaction, despite our reasonable precautions.

DISPUTES WITH PATIENTPORTAL.ME

Contact Patientportal.me First. If a dispute arises between you and Patientportal.me, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Patientportal.me regarding the Patientportal.me Services may be reported to Customer Service by: Clicking the live chat on our home page or Email Support: Support@Patientportal.me or Telephone Patientportal.me Customer Service at 866.430.7333. Law and Forum for Disputes. Except as otherwise agreed by the parties or as described in section 7.2 above, you agree that any claim or dispute you may have against Patientportal.me must be resolved by a court located in either Maricopa County, Arizona. You agree to submit to the personal jurisdiction of the court located within Maricopa County, Arizona, for the purpose of litigating all such claims or disputes. This Agreement shall be governed in all respects by the laws of the State of Arizona, without regard to conflict of law provisions. No Waiver. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. Indemnification. You agree to defend, indemnify and hold Patientportal.me, its parent, officers, directors and employees harmless from any claim or demand (including attorney’s fees) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Patientportal.me Services. Assumption of Rights. If Patientportal.me pays out a Claim, Reversal or Chargeback that you file against a recipient of your payment, you agree that Patientportal.me assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in Patientportal.me”s discretion.

DEFINITIONS

“ACH” means the Automated Clearing House network. “Account” means a Provider Portal Patientportal.me account. “Agreement” means this agreement including all subsequent amendments. “Authorize” or “Authorization” means you authorize a Provider to collect a payment from your Account. “Chargeback” means a request that a buyer files directly with his or her credit card company or credit card issuing bank to invalidate a payment. “Confirmed Address” means an address that has been reviewed by Patientportal.me and found highly likely to be that of the User to which it is associated. “Customer Service” is Patientportal.me’s customer support which can be accessed by: Clicking the live chat on our home page or Email Support: Support@Patientportal.me or Telephone Patientportal.me Customer Service at 866.430.7333. “Dispute” means a dispute filed by a User directly with Patientportal.me in the Online Resolution Center pursuant to section 6 of this Agreement. “eCheck” means a payment funded using a sender”s bank account Payment Method that is held pending and not received by the recipient until it clears. When you send money using eCheck it will usually be held pending for 3-4 Business Days. The amount of time that it is held pending will increase if the payment is sent from a bank account outside the United States. “Information” means any confidential and/or personally identifiable information or other information related to an Account or User, including but not limited to the following: name, email address, billing/shipping address, phone number and financial information. “Item Not Received” means a challenge to a payment from a User claiming that the item purchased was not received. “Payment Review” means the process described in section 3 of this Agreement. “Payment Method” means the payment method used to fund a transaction. The following payment methods may be used to fund a transaction: PayPal Balance, ,eCheck, credit card, debit card, HSA/FSA, PayPal Credit, and PayNearMe . “Patientportal.me”, “we”, “us” or “our” means Patientportal.me, Inc. and its subsidiaries and affiliates. “Patientportal.me Services” means all our products and services and any other features, technologies and/or functionalities offered by us on our website or through any other means. “Policy” or “Policies” means any Policy or other agreement between you and Patientportal.me that you entered into on the Patientportal.me website, or in connection with your use of the Patientportal.me Services. “Recurring Payment” means a payment in which a the recipient is provided advance Authorization to charge the sender’s Patientportal.me Account directly on a one-time, regular, or sporadic basis in accordance with the recipient’s agreement with the sender. Recurring Payments are sometimes called “subscriptions”, “automatic payments”, “automatic billing” or “preapproved payments.” “Restricted Activities” means those activities described in section 9 of this Agreement. “Reversal” means Patientportal.me reverses a payment you received because (a) it is invalidated by the sender”s bank, (b) it was sent to you in error by Patientportal.me, its parent, or any direct or indirect Patientportal.me subsidiary, (c) the sender of the payment did not have authorization to send the payment (for example: the sender used a credit card that did not belong to the sender), (d) you received the payment for activities that violated this Agreement, the Patientportal.me Acceptable Use Policy, or any other Patientportal.me agreement, or (e) Patientportal.me decided a Claim against you. “Provider” and “Merchant” are used interchangeably and mean a User who is selling goods and/or services and using the Patientportal.me Services to receive payment. “User” means any person or entity using the Patientportal.me Services including you.

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