Terms of Service & Membership Agreement

These Terms of Service and Membership Agreement (the “Terms”) form a legally binding agreement between you (“you,” “Member,” or “user”) and Rooforce Health LLC (“Rooforce Health,” “we,” “us,” or “our”) governing your access to and use of the Rooforce Health website, platform, membership program, and related services (collectively, the “Services”). If you do not agree to these Terms, do not enroll in or use the Services.

1. Parties and Program Structure

Rooforce Health LLC operates a healthcare membership enrollment, administration, billing, technology, network-management, and member-support platform.

Rooforce Health is not a medical practice and does not itself practice medicine, diagnose medical conditions, prescribe medications, or independently provide medical treatment.

Rooforce Health maintains partnerships with local Direct Primary Care (“DPC”) providers to provide eligible Members with access to primary-care services. These participating providers (“Participating Providers”) are independent, appropriately licensed healthcare providers and/or medical practices. Participating Providers are independent contractors and are not employees, agents, partners, or joint venturers of Rooforce Health.

Medical services available through the Rooforce Health membership are provided by Participating Providers and not by Rooforce Health LLC. Rooforce Health may facilitate enrollment, membership administration, billing, payment processing, technology, member support, provider coordination, and other nonclinical administrative services associated with the membership.

Participating Providers maintain sole responsibility for medical services, clinical decisions, diagnoses, treatment recommendations, prescriptions, medical records, and the exercise of independent professional medical judgment. Rooforce Health does not direct, control, or interfere with the professional medical judgment of any Participating Provider, and is not liable for the acts or omissions of any Participating Provider.

2. Direct Primary Care Services

Rooforce Health partners with local Direct Primary Care providers to make primary-care services available to eligible Members.

Members may be connected with or assigned to a Participating Provider based on factors including geographic location, residential ZIP code, provider service area, provider capacity, availability, and other reasonable network considerations.

As the Rooforce Health provider network expands, Rooforce Health may add, remove, or replace Participating Providers without requiring amendment of these Terms, except where otherwise required by applicable law.

Membership in Rooforce Health does not guarantee access to every Participating Provider in the Rooforce Health network. The specific medical services available to a Member are determined by the applicable Participating Provider and any Direct Primary Care Membership Agreement or patient agreement applicable to that Member. In the event of a conflict between these Terms and a Participating Provider’s patient agreement with respect to clinical services, that provider agreement controls as to those services.

Certain benefits may be made available through third-party vendors (for example, telehealth, discount, or ancillary-benefit vendors). Those benefits are governed by the applicable vendor’s own terms, and Rooforce Health may add, modify, or discontinue them.

3. Rooforce Health Membership

The Rooforce Health membership provides Members with access to the Rooforce Health platform and its network of participating local Direct Primary Care providers, together with applicable enrollment, administration, billing, technology, coordination, and member-support services.

Current membership pricing is:

• Adult Membership: $99 per month
• Dependent Child Membership: $55 per month per eligible child
• One-Time Enrollment and Activation Fee: $49

Membership fees are billed in advance and automatically renew monthly until canceled in accordance with these Terms. Membership fees are intended as payment for the healthcare membership and associated administrative services provided through the Rooforce Health program. Applicable sales, use, excise, or similar transaction taxes will be collected only when required by applicable law.

Rooforce Health may change membership pricing or program features prospectively. We will provide at least thirty (30) days’ notice of a price increase by email or through the platform, and your continued membership after the effective date constitutes acceptance. If you do not accept a price change, your sole remedy is to cancel before the effective date.

4. Important — Not Health Insurance

Rooforce Health does not provide health insurance, major medical insurance, hospitalization coverage, or insurance against healthcare expenses. Direct Primary Care arrangements are intended to provide access to specified primary-care services and are not a substitute for comprehensive health insurance.

Members remain responsible for healthcare expenses and services that are not included within their applicable Direct Primary Care membership. Members should maintain appropriate insurance or other coverage for hospitalization, emergency care, specialist services, surgery, and other healthcare expenses not included in their membership.

Membership is not a qualified health plan under the Affordable Care Act, is not minimum essential coverage, is not a health-sharing ministry, and does not satisfy any individual or employer coverage requirement that may apply to you.

5. Emergencies

The Services are not for medical emergencies. If you believe you are experiencing a medical emergency, call 911 or go to the nearest emergency department immediately. Do not use the Rooforce Health platform, messaging, or member support to request emergency care.

6. Eligibility and Enrollment

• You must be at least 18 years of age and able to form a binding contract to enroll as a primary Member.
• You may enroll a spouse or domestic partner and eligible dependent children. By enrolling another person, you represent that you are authorized to do so, to provide their information, and to agree to these Terms on their behalf, and that you are responsible for all fees associated with your household.
• Enrollment may be subject to provider availability and geographic service area. If no Participating Provider is reasonably available to you, we may decline or delay enrollment or place you on a waitlist while we work to identify a local partner clinic.
• You agree to provide accurate, current, and complete information and to keep it updated. Providing false information may result in termination without refund.
• A Social Security number is not required to enroll in the membership or to receive services from Participating Providers.

7. Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. Notify us promptly at support@rooforcehealth.com of any unauthorized use. We may suspend accounts we reasonably believe to be compromised.

8. Billing, Payment Authorization, and Renewal

Authorization

By enrolling, you authorize Rooforce Health and its payment processor to charge your designated payment method for the one-time enrollment and activation fee, recurring monthly membership fees for your entire household, applicable taxes, and any other amounts you authorize. This authorization remains in effect until your membership is canceled and all amounts owed are paid.

Billing schedule

• The one-time $49 enrollment and activation fee is charged at the time of enrollment and is non-refundable once enrollment processing has begun.
• Recurring membership fees are billed monthly in advance, and monthly billing occurs on the 1st of each month for that membership month unless we disclose a different date to you at checkout.
• We will send a reminder by email in advance of your first monthly charge, and your current amount and next billing date are always visible in your member dashboard.

Automatic renewal

Your membership automatically renews each month and your payment method will be charged automatically until you cancel. You may cancel at any time as described in Section 9.

Household changes

Adding or removing a spouse or dependent child changes your recurring monthly amount beginning with your next monthly invoice. Household changes are generally not prorated.

Failed payments

If a payment fails, we may retry the charge, suspend access to membership benefits, and/or terminate the membership. You are responsible for amounts due for any period in which membership access was active. We may charge reasonable fees permitted by law for returned or failed payments.

Disputes and chargebacks

Please contact us before initiating a chargeback so we can resolve the issue. Billing disputes must be raised within sixty (60) days of the charge. Fraudulent chargebacks may result in termination and collection of amounts owed.

9. Cancellation and Refunds

• You may cancel at any time from your member dashboard or by emailing support@rooforcehealth.com.
• Cancellation takes effect at the end of the paid membership month. You retain access to membership benefits through the end of that paid period.
• Except where required by applicable law, membership fees are non-refundable, including partial months, unused benefits, and the enrollment and activation fee.
• Re-enrollment after cancellation may require a new enrollment and activation fee and is subject to provider availability.
• Cancellation of your Rooforce Health membership does not by itself terminate any separate agreement you may have with a Participating Provider; contact that provider directly regarding its own agreement and any records requests.

10. Partner Companies and Sponsored Memberships

A roofing or construction company (“Partner Company”) may sponsor or subsidize some or all of a Member’s membership fees. If your membership is sponsored:

• The membership remains a personal membership between the Member and Rooforce Health and the Member’s relationship with a Participating Provider remains personal to the Member.
• A Partner Company may see enrollment and billing status information necessary to administer its subsidy, but does not receive Member medical or clinical information from Rooforce Health.
• If a Partner Company stops paying or ends its sponsorship, the Member becomes responsible for the full membership fee to maintain the membership, and membership may be suspended or terminated if fees are not paid.
• Partner Companies are responsible for determining the tax, benefits, wage, and worker classification consequences of sponsoring memberships, and for their own compliance with applicable law. Rooforce Health does not provide legal, tax, insurance, or benefits advice.

11. Member Responsibilities and Acceptable Use

• Use the Services only for lawful purposes and in accordance with these Terms.
• Do not misrepresent your identity or eligibility, share account access, or allow anyone who is not an enrolled Member to obtain services under your membership.
• Do not use the Services to harass, threaten, defraud, or abuse Rooforce Health staff, Participating Providers, or their personnel. Abusive conduct may result in immediate termination.
• Do not attempt to access, scrape, disrupt, reverse engineer, or interfere with the platform, its security, or other users’ data.
• Attend scheduled appointments or cancel with reasonable notice as required by your Participating Provider.

12. Communications Consent

By enrolling, you consent to receive transactional communications from us by email, SMS, and telephone regarding enrollment, billing, appointments, and membership administration, at the contact information you provide. Message and data rates may apply. You may opt out of marketing messages at any time by following the unsubscribe instructions or replying STOP; you may not opt out of essential transactional messages while your membership is active. You also consent to transact electronically and to receive records and disclosures in electronic form.

13. Privacy and Health Information

Our collection and use of personal information is described in our Privacy Policy. Participating Providers maintain your medical records and are responsible for their own privacy practices and notices, including any obligations under HIPAA and applicable state law. Requests for medical records should be directed to the applicable Participating Provider. You authorize Rooforce Health to share enrollment, eligibility, and contact information with Participating Providers and vendors as necessary to administer your membership.

14. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

ROOFORCE HEALTH MAKES NO WARRANTY OR GUARANTEE REGARDING ANY MEDICAL OUTCOME, DIAGNOSIS, TREATMENT, OR THE QUALITY, TIMELINESS, OR AVAILABILITY OF SERVICES RENDERED BY ANY PARTICIPATING PROVIDER OR THIRD-PARTY VENDOR. NOTHING ON THE PLATFORM IS MEDICAL ADVICE.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROOFORCE HEALTH LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR PERSONAL INJURY ARISING FROM CLINICAL CARE PROVIDED BY A PARTICIPATING PROVIDER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE TOTAL MEMBERSHIP FEES YOU PAID TO ROOFORCE HEALTH IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

16. Indemnification

You agree to defend, indemnify, and hold harmless Rooforce Health LLC and its owners, officers, employees, contractors, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms or applicable law, your enrollment of another person, or your interactions with any Participating Provider.

17. Suspension, Termination, and Changes to the Services

We may suspend or terminate your membership or access to the Services, with or without notice, for non-payment, violation of these Terms, fraud or misrepresentation, abusive conduct, or if we discontinue the program in your area. We may modify, suspend, or discontinue any part of the Services at any time. If we terminate your membership without cause, we will refund any prepaid fees covering the period after termination.

18. Dispute Resolution, Arbitration, and Class-Action Waiver

Please read this section carefully — it affects your legal rights.

• Informal resolution first. Before filing a claim, you agree to contact us at support@rooforcehealth.com and attempt to resolve the dispute informally for at least thirty (30) days.
• Binding arbitration. Except for claims that qualify for small-claims court and claims seeking injunctive relief for intellectual-property misuse, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its applicable consumer rules, seated in Oklahoma County, Oklahoma, or conducted remotely.
• Class-action waiver. Disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate claims.
• Jury-trial waiver. You and Rooforce Health waive any right to a jury trial to the extent permitted by law.
• Opt-out. You may opt out of arbitration by emailing support@rooforcehealth.com with the subject line “Arbitration Opt-Out” within thirty (30) days of first accepting these Terms.
• This section does not apply to claims against a Participating Provider, which are governed by your agreement with that provider and applicable law.

19. Governing Law and Venue

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles. Subject to Section 18, the exclusive venue for any permitted court action is the state or federal courts located in Oklahoma County, Oklahoma, and you consent to personal jurisdiction there.

20. Intellectual Property

The Rooforce Health name, logo, platform, content, and software are owned by Rooforce Health LLC or its licensors and are protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the platform for your personal membership purposes. All other rights are reserved.

21. Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date above and, for material changes, provide notice by email or through the platform. Your continued use of the Services or continued membership after the effective date constitutes acceptance of the updated Terms.

22. General

• Entire agreement. These Terms, together with the Privacy Policy and any enrollment disclosures, are the entire agreement between you and Rooforce Health regarding the Services.
• Severability. If any provision is unenforceable, the remaining provisions remain in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• No third-party beneficiaries, except that Participating Providers may enforce the disclaimers and limitations that protect them.

23. Contact

Rooforce Health LLC — support@rooforcehealth.com