Curity Care - The Digital Faith Based Platform

CURITYCARE LLC WEBSITE TERMS OF SERVICE DRAFT 4

Appendix A – Privacy Policy

Appendix B - Non-Disclosure Agreement

Appendix C - Detailed Service Descriptions by Religious and Spiritual Tradition

Appendix D - Arbitration Agreement and Class Action Waiver

Appendix E - Non-Disclosure Agreement for Service Providers

Appendix F - Detailed Service Descriptions by Religious and Spiritual Tradition

Appendix G - Enforcement, Dispute Resolution, and Cross-Jurisdictional Arbitration Rules

Appendix H - Global Compliance & Licensing Obligations

Appendix I - Service Descriptions by Faith & Spiritual Tradition

Appendix J - Provider Non-Disclosure Agreement

Appendix K - Service Descriptions by Faith Tradition

Appendix L - Accessibility & Anti-Discrimination Policy

Appendix M - Amendment & Termination Rights

Appendix N: Special Provisions for Service Providers

Defined Terms

For the purposes of this Terms of Service Agreement ("Agreement”), the following terms shall have the meanings assigned to them below, unless the context clearly indicates otherwise:

"CurityCare” means CurityCare, LLC, a United States–based limited liability company organized under the laws of the State of [Insert State of Formation], operating as a global, faith-based telehealth and guidance platform.

"Client” means any natural person or legal entity that registers with CurityCare for the purpose of engaging one or more licensed, faith-based counselors, mental health providers, or spiritual practitioners through the Platform.

"Provider” means an independent contractor, duly licensed and credentialed in their jurisdiction, who offers faith-based counseling, mental health, spiritual guidance, or related services through the Platform.

"Platform” means the CurityCare online and mobile application system, including all websites, domains, subdomains, software, databases, communication tools, and any related services provided by CurityCare.

"Services” means the full spectrum of faith-based, spiritual, and mental health offerings facilitated through the Platform, including but not limited to Meditation, Yoga, Counseling, Cognitive Therapy, Chaplain Services, and Ceremonial & Ritual Services.

"Wellness Data” means any information collected by CurityCare that relates to a Client’s mental, emotional, or spiritual well-being, which may be subject to protections under the Health Insurance Portability and Accountability Act (HIPAA)¹ and the General Data Protection Regulation (GDPR)².

"Applicable Law” means all laws, statutes, regulations, ordinances, treaties, and conventions applicable to the use of the Platform or the performance of the Services, including U.S. federal law, state law, and relevant international law.

"Confidential Information” means any non-public, proprietary, or sensitive information disclosed by either party to the other in connection with the Services, including but not limited to Client Wellness Data, Provider records, trade secrets, and operational methods.

"Business Day” means any day other than Saturday, Sunday, or a U.S. federal holiday.

Rules of Interpretation

(a) Headings. The headings contained in this Agreement are for reference purposes only and shall not affect the meaning or interpretation of any provision.

(b) Singular and Plural. Words in the singular shall include the plural and vice versa.

(d) Statutory References. References to statutes, laws, or regulations shall be deemed to include all amendments, modifications, and replacements thereof.

(e) "Including.” The term "including” means "including without limitation.”

(f) Conflict of Provisions. In the event of any conflict between the provisions of this Agreement and any policy or guideline posted on the Platform, the terms of this Agreement shall prevail unless otherwise required by Applicable Law.

Incorporation of Footnotes and Citations

All statutory and case law references in this Agreement are incorporated herein for the purpose of clarification and enforcement. Citations are provided for illustrative purposes and do not limit the scope of Applicable Law.

Parties to the Agreement

This Terms of Service Agreement ("Agreement”) is entered into by and between:

(a) CurityCare, LLC ("CurityCare”), a faith-based telehealth and spiritual guidance service provider, duly organized and existing under the laws of the State of [Insert State of Formation], United States of America, with its principal place of business at [Insert Address], and operating through its online Platform; and

(b) The Client, being any individual, organization, or legal entity that has created an account on the CurityCare Platform, accepted these Terms, and engaged with one or more Providers for the purpose of obtaining Services.

Nature of the Services

(a) CurityCare provides a platform-based facilitation service that connects Clients seeking faith-based counseling, mental health services, and spiritual guidance with independent, licensed Providers who are qualified to deliver such Services.

(b) CurityCare itself does not provide medical diagnosis, clinical psychotherapy, or emergency mental health intervention and is not a substitute for licensed medical care.

The Platform’s role is limited to:

Hosting and maintaining a secure digital environment for communications between Clients and Providers;

Facilitating scheduling, billing, and secure exchange of information; and

Upholding quality standards, licensing verification, and compliance monitoring of Providers.

(c) The Services may include faith-based approaches, spiritual practices, and mental wellness modalities, consistent with the Client’s expressed religious, spiritual, or philosophical preferences.

Global and Multi-Jurisdictional Reach

(a) CurityCare operates in all 50 U.S. states, the District of Columbia, U.S. territories, and internationally, subject to the licensing requirements of each jurisdiction in which a Provider offers Services.

(b) Clients and Providers are responsible for ensuring that their use of the Platform complies with Applicable Law in their respective jurisdictions, including cross-border data transfer laws³.

(c) The Platform may be accessed globally; however, some Services may be restricted or prohibited in certain countries due to local legal requirements or international sanctions.

Relationship Between the Parties

(a) Nothing in this Agreement shall be construed to create a partnership, joint venture, employer-employee, or agency relationship between CurityCare and the Client, or between CurityCare and any Provider.

(b) Providers are independent contractors and are not employees, agents, or representatives of CurityCare.

(c) CurityCare does not control, and is not responsible for, the manner in which Providers deliver Services, except to the extent necessary to ensure compliance with licensing and quality standards.

Limitations of Scope

(a) CurityCare does not guarantee that the Services will meet every Client’s personal expectation or result in specific outcomes.

(b) Clients are solely responsible for determining whether the Services are suitable for their needs and for seeking emergency assistance when required.

Age and Legal Capacity Requirements

(a) The Platform is intended solely for individuals who are 18 years of age or older and possess the legal capacity to enter into binding contracts under Applicable Law.

(b) Clients who are under the age of 18 may only access the Services with the express written consent of a parent or legal guardian, who must assume full legal responsibility for all interactions, agreements, and payments made on the minor’s behalf⁴.

Account Creation and Verification

(a) To access the Services, Clients must create an account by providing accurate, current, and complete information as prompted by the Platform’s registration form.

(b) CurityCare reserves the right to request supporting documentation, including but not limited to:

Government-issued photo identification;

Proof of residence;

Verification of parental or guardian consent (if applicable);

Professional or licensing credentials (for Providers).

Identity Authentication and Security Measures

(a) CurityCare may use third-party identity verification services, consistent with Applicable Law, to authenticate user identities and prevent fraud.

(b) Clients are solely responsible for maintaining the confidentiality of their account credentials, including usernames and passwords, and for all activity that occurs under their account.

(c) In the event of unauthorized use of account credentials, the Client must notify CurityCare immediately via the contact methods provided in Section 18.

(d) CurityCare shall not be liable for any loss or damage arising from a Client’s failure to maintain the security of their account information, except as required under Applicable Law.

Account Approval and Rejection

(a) CurityCare reserves the absolute right, at its sole discretion, to approve or reject any application for account registration.

(b) Grounds for rejection may include, without limitation:

Prior violations of CurityCare’s Terms of Service;

Evidence of fraudulent activity;

Inability to verify identity or licensing;

A demonstrated history of abusive or discriminatory behavior toward Providers or other Clients.

Ongoing Compliance and Updates

(a) Clients agree to keep their account information current at all times, including updates to contact information, billing details, and any changes that may affect eligibility.

(b) Failure to maintain accurate information may result in suspension or termination of account access.

Overview of Service Categories

The Services available through CurityCare’s Platform encompass a range of faith-based, spiritual, and wellness-oriented practices, all of which are delivered by duly licensed or otherwise credentialed Providers. The Platform’s aim is to serve as a unifying "Center,” as in the Tibetan concept of kyil-khor, bringing together diverse religious and spiritual traditions while respecting each Client’s unique beliefs and needs.

Meditation Services

Definition. Meditation services involve guided or self-directed mental exercises designed to promote relaxation, mindfulness, spiritual connection, and/or self-awareness.

Faith-Based Adaptations. Meditation may be provided in various religious contexts, including but not limited to:

Buddhist Vipassana or Zen meditation;

Christian contemplative prayer;

Islamic dhikr or remembrance practices;

Hindu dhyana;

Jewish hitbodedut.

(c) Provider Requirements. Providers offering meditation instruction must demonstrate formal training in the relevant tradition, and when applicable, maintain any state-issued wellness or counseling licenses required for compensated instruction.

(d) Limitations. Meditation services are not intended to replace psychotherapy or medical treatment and should be used as a complementary wellness practice⁵.

Yoga Services

Definition. Yoga services encompass physical postures, breathing exercises, and meditative techniques rooted in ancient traditions, provided in a manner consistent with the Client’s spiritual preferences.

Tradition-Specific Adaptations. These may include:

Classical Hatha, Ashtanga, or Vinyasa;

Devotional Bhakti yoga;

Trauma-informed or therapeutic yoga approaches;

Chair-based or adaptive yoga for physical limitations.

(c) Compliance. Providers must adhere to applicable state and local regulations regarding physical instruction and must disclose any physical risks to Clients prior to participation.

(d) Safety Disclaimer. Clients are responsible for ensuring they are physically able to participate and should consult a licensed healthcare professional before engaging in physically demanding practices⁶.

Counseling & Mental Health Services

Definition. Counseling services refer to structured, goal-oriented discussions aimed at addressing mental health challenges, life transitions, interpersonal conflicts, and emotional distress.

Licensing Requirements. All Providers delivering counseling services must hold an active license in their jurisdiction (e.g.,

Licensed Professional Counselor, Licensed Clinical Social Worker, Licensed Marriage and Family Therapist) and remain in compliance with state licensing boards.

Faith Integration. Counseling may incorporate religious or spiritual perspectives consistent with the Client’s expressed beliefs, but such integration must remain within the scope of the Provider’s professional competence and ethical guidelines⁷.

Scope and Limitations

CurityCare is not a crisis hotline and cannot respond to emergencies.

Clients experiencing acute psychiatric crises should contact emergency services or appropriate crisis resources.

Cognitive Therapy Services

Definition. Cognitive therapy refers to structured therapeutic approaches—such as Cognitive Behavioral Therapy (CBT), Rational Emotive Behavioral Therapy (REBT), or related modalities—aimed at identifying and altering maladaptive thought patterns.

Faith-Based Adaptations. Providers may integrate religious teachings, scripture, or spiritual principles into cognitive therapy techniques, provided such integration is client-directed and voluntary.

Professional Standards. All cognitive therapy Providers must hold the relevant mental health license and operate in compliance with professional ethics codes (e.g., American Psychological Association, National Association of Social Workers).

Evidence Basis. CurityCare supports evidence-informed practices and encourages Providers to use interventions supported by peer-reviewed research⁸.

Chaplain Services

Definition. Chaplain services provide spiritual care, guidance, and ritual support to individuals, families, or groups, often in times of illness, grief, or life transition.

(b) Service Examples.

Pastoral counseling;

End-of-life spiritual care;

Prayer services;

Crisis ministry.

(c) Provider Requirements. Chaplains must possess recognized ordination or certification from a legitimate faith body and, where applicable, accreditation from professional chaplaincy associations.

(d) Non-Proselytizing Policy. Chaplain services on the Platform are client-centered and shall not involve coercive proselytizing or recruitment to a particular faith tradition unless explicitly requested by the Client.

Ceremonial & Ritual Services

Definition. Ceremonial and ritual services involve the performance of religious or spiritual rites, ceremonies, and symbolic acts, tailored to the Client’s faith tradition or cultural background.

Tradition Examples:

Weddings, funerals, and memorial services;

Blessings and dedications;

Seasonal or festival observances;

Rites of passage.

(c) Compliance with Law. Providers performing legally recognized ceremonies (e.g., marriages) must comply with all applicable civil licensing and registration requirements.

(d) Cultural Sensitivity. CurityCare maintains a strict policy of cultural respect and requires Providers to refrain from misappropriating or misrepresenting sacred rituals.

Commitment to Inclusivity

CurityCare affirms its mission to serve as a unifying "Center” (kyil-khor) for people of all faiths, spiritual traditions, and philosophical orientations. All Services are offered without preference or bias toward any particular religion or sect, and Providers are contractually obligated to honor the Client’s expressed beliefs and boundaries.

Equal Access Policy

(a) CurityCare strictly prohibits discrimination in the provision of Services on the basis of religion, race, ethnicity, national origin, gender, gender identity, sexual orientation, disability, age, or any other status protected under Applicable Law⁹.

(b) Providers found to have engaged in discriminatory conduct may have their accounts suspended or terminated, subject to the arbitration process set forth in Section 21.

Faith Traditions Represented

The Platform accommodates Providers and Clients from the following, among other, traditions:

(a) Buddhism

Overview: Buddhist-affiliated Providers may offer practices such as mindfulness meditation, metta bhavana (loving-kindness), or dharma talks.

Ethical Standards: Providers should adhere to the Five Precepts or equivalent ethical codes recognized in their lineage.

Client Autonomy: Clients may request or decline overtly religious framing, opting for secular mindfulness where preferred.

(b) Christianity

Overview: Christian Providers may offer pastoral counseling, Bible study facilitation, prayer sessions, and sacramental preparation.

Diversity of Denominations: The Platform welcomes providers from Catholic, Orthodox, Protestant, and non-denominational backgrounds.

Doctrinal Boundaries: Providers shall not denigrate other faiths during sessions and must ensure that proselytization occurs only upon Client request.

Overview: Muslim Providers may offer services such as Qur’anic recitation, dhikr, Islamic counseling, or guidance on Sharia-compliant living.

Cultural Sensitivity: Consideration should be given to prayer times, fasting schedules, and gender-interaction norms where relevant.

Ethical Compliance: Providers are expected to uphold the moral and ethical principles of Islam, including honesty, modesty, and respect.

(d) Judaism

Overview: Jewish Providers may provide Torah study, rabbinical counseling, lifecycle ceremonies, or pastoral care.

Tradition Variants: Orthodox, Conservative, Reform, and Reconstructionist traditions are all welcome, with Providers respecting the Client’s own level of observance.

Language and Ritual: Hebrew use is optional and should be adapted to the Client’s comfort.

(e) Hindu Religions

Overview: Hindu-affiliated Providers may offer puja ceremonies, scriptural instruction (e.g., Bhagavad Gita, Vedas), yoga integrated with Hindu spirituality, or counseling rooted in dharmic principles.

Diversity of Schools: Vaishnavism, Shaivism, Shaktism, and Smarta traditions are all recognized.

Cultural Integrity: Ritual elements must be conducted with authentic respect for lineage and tradition.

(f) Zoroastrianism

Overview: Providers may offer teachings on the Avesta, guidance on living in accordance with asha (truth, order), and ceremonial rites such as navjote.

Preservation of Tradition: Given the small global Zoroastrian community, Providers must avoid misrepresenting teachings and practices.

(g) Wicca and Neo-Paganism

Overview: Providers may offer ritual facilitation, seasonal celebrations (e.g., Sabbats), spellcraft guidance, and spiritual counseling consistent with the Wiccan Rede and related principles.

Inclusivity: Wiccan and Pagan practices shall be conducted in a manner respectful of differing traditions and eclectic paths.

(h) Heathenism / Norse Spirituality

Overview: Providers may lead blót, sumbel, runic study, and guidance rooted in the lore of the Poetic and Prose Edda.

Cultural Ethics: Providers are to avoid any affiliation with extremist ideologies and maintain focus on inclusive, non-discriminatory spirituality.

Interfaith Services

(a) CurityCare actively supports interfaith dialogue and collaboration when requested by the Client.

(b) Providers offering interfaith services must have demonstrable competence in multiple traditions and the ability to navigate theological differences respectfully.

Mandatory Licensing Standards

CurityCare’s non-discrimination policy is enforced in accordance with Title II of the Civil Rights Act of 1964, 42 U.S.C. § 2000a et seq., and any comparable state or international anti-discrimination laws¹⁰.

Provider Licensing & Credential Verification

Mandatory Licensing Standards

(a) All Providers offering Services through the CurityCare Platform must possess a valid professional license, certification, or equivalent credential required by the jurisdiction(s) in which they operate and in which their Clients are located.

(b) For mental health and counseling services, Providers must hold an active license from a recognized state or national licensing authority, such as:

Licensed Professional Counselor (LPC);

Licensed Marriage and Family Therapist (LMFT);

Licensed Clinical Social Worker (LCSW);

Psychologist (Ph.D. or Psy.D.) with state licensure.

(c) For chaplaincy, ceremonial, or ritual services, Providers must demonstrate valid ordination, commissioning, or certification from a recognized religious body or faith-based accrediting institution.

International Provider Requirements

(a) Providers delivering Services to Clients outside the United States must comply with licensing, registration, and credentialing requirements applicable in the Client’s jurisdiction.

(b) In the European Union, Providers must adhere to the Professional Qualifications Directive (Directive 2005/36/EC) and any national implementing legislation¹¹.

(c) Failure to comply with applicable licensing laws constitutes grounds for immediate suspension or termination of Platform access.

Credential Verification Process

(a) CurityCare shall verify the licensing status of all Providers prior to account activation using:

Direct verification from licensing boards;

Use of recognized credential verification services;

Review of ordination documents and accreditation records.

(b) Providers agree to supply any additional information requested for verification within five (5) business days of CurityCare’s request.

Continuing Education and Competency

(a) Providers must maintain compliance with continuing education (CE) or continuing professional development (CPD) requirements imposed by their licensing or accrediting body.

(b) CurityCare may request evidence of CE/CPD completion at any time.

(c) For religious and spiritual services not subject to governmental licensing, Providers must demonstrate ongoing engagement with their faith community and professional development activities relevant to their role.

Disclosure of Disciplinary Actions

(a) Providers must immediately disclose to CurityCare any:

Suspension, revocation, or restriction of their license or credential;

Criminal conviction (other than minor traffic infractions);

Formal disciplinary action by a professional, religious, or governmental authority.

(b) Failure to disclose such information is grounds for termination and may subject the Provider to legal action for misrepresentation.

Limitations of CurityCare’s Role in Licensing Compliance

(a) CurityCare does not itself license, endorse, or certify Providers; it acts solely as a matching platform.

(b) CurityCare’s verification process is designed to promote, but does not guarantee, compliance with all applicable licensing laws.

(c) Clients are encouraged to independently verify a Provider’s credentials through the appropriate licensing board or authority.

Regulatory Citations

United States: 42 U.S.C. § 1395x (Medicare provider requirements for certain health professionals);

European Union: Directive 2005/36/EC on the recognition of professional qualifications;

State Laws: Vary by jurisdiction, e.g., Cal. Bus. & Prof. Code § 4990.04 (California Board of Behavioral Sciences).

Scope of Services & Limitations of Liability

Representative Services Offered

(a) The Platform enables Clients to book and receive, subject to Provider availability and Client location:

Meditation Instruction — Including guided mindfulness, concentration techniques, and contemplative practices rooted in various traditions;

Yoga Instruction — Including asanas, pranayama, and spiritual yoga traditions, where offered by certified instructors;

Counseling & Mental Health Services — Including faith-informed counseling, pastoral counseling, and psychotherapy, where provided by licensed professionals;

Cognitive Therapy — Including CBT, ACT, and other evidence-based modalities, delivered by appropriately licensed therapists;

Chaplain Services — Including hospital visits, crisis intervention, bereavement support, and sacramental administration;

Ceremonial & Ritual Services — Including weddings, funerals, naming ceremonies, seasonal rites, and other religious observances.

(b) Availability of specific services may vary by jurisdiction, subject to local licensing and religious practice laws.

No Guarantee of Outcomes

(a) CurityCare makes no representation, warranty, or guarantee regarding the results of any Service provided by a Provider.

(b) All outcomes depend on multiple factors, including but not limited to:

The Client’s participation and openness;

The Provider’s approach and methodology;

Cultural, religious, or spiritual compatibility between Client and Provider.

Limitations of Liability

(a) To the maximum extent permitted by Applicable Law,

CurityCare shall not be liable for:

Any act or omission of a Provider;

Any dispute arising between Client and Provider;

Any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of data, goodwill, or emotional distress.

(b) In jurisdictions that do not allow the exclusion or limitation of certain damages, CurityCare’s liability shall be limited to the maximum extent allowed by law.

Independent Contractor Relationship

(a) Providers are independent contractors and are not employees, agents, or representatives of CurityCare.

(b) CurityCare shall not be responsible for:

Supervising Providers’ daily activities;

Setting Providers’ schedules or fees;

Providing benefits or insurance coverage to Providers.

(c) This relationship is recognized under U.S. law (see Nationwide Mut. Ins. Co. v. Darden, 503 U.S. 318 (1992)) and comparable international doctrines.

Jurisdictional and Religious Practice Restrictions

(a) Certain religious or therapeutic services may be subject to regulation, licensing, or prohibition in specific jurisdictions.

(b) Providers and Clients are jointly responsible for ensuring that booked services comply with all Applicable Laws where the service is rendered or received.

Client Acknowledgement of Risk

(a) Clients acknowledge that spiritual, counseling, and therapeutic services inherently involve personal disclosure and subjective experiences.

(b) By using the Platform, Clients expressly assume the risk of:

Emotional discomfort;

Spiritual or moral disagreement;

Dissatisfaction with a Provider’s methods or beliefs.

Limitation Period for Claims

(a) Any claim against CurityCare must be brought within one (1) year from the date on which the cause of action arose, unless prohibited by law.

(b) Failure to file within the limitation period constitutes a permanent waiver of the claim.

Governing Law References

United States: Restatement (Second) of Agency § 2

(independent contractor definition);

International: UNIDROIT Principles of International Commercial Contracts (2016) Art. 1.7 (good faith in international dealings);

U.S. Case Law: Nationwide Mut. Ins. Co. v. Darden, 503 U.S. 318 (1992) (clarifying independent contractor status).

Payment Terms, Fees, and Refund Policy

Payment Structure

(a) CurityCare functions as an intermediary payment facilitator between Clients and Providers.

(b) Clients agree to remit all payments for booked Services directly through the CurityCare Platform using the payment methods accepted by CurityCare, which may include credit/debit cards, ACH transfers, PayPal, SEPA transfers (for EU Clients), and other methods as CurityCare may approve from time to time.

(c) Payments are processed in the Client’s local currency where possible; where not possible, payments will be processed in U.S. dollars (USD) and subject to currency conversion rates as set by the payment processor at the time of transaction.

Service Fees

(a) CurityCare charges:

Client Service Fee — A percentage of the Provider’s listed rate, disclosed at booking;

Provider Platform Fee — A percentage retained from the Provider’s payment for the use of CurityCare’s platform, marketing, and administrative services;

Processing Fee — To cover third-party payment processing costs.

(b) All fees are disclosed before booking and are non-refundable except as expressly stated in Section 8.6.

Timing of Charges and Payouts

(a) Client accounts will be charged immediately upon booking confirmation.

(b) Provider payouts will be initiated within seven (7) business days after service completion, subject to:

Provider compliance with all Platform policies;

Successful payment clearance from the Client;

No pending dispute or refund request.

(c) For EU Clients and Providers, payment timelines will comply with the EU Late Payment Directive (Directive 2011/7/EU)¹².

Taxes

(a) All fees are exclusive of taxes unless otherwise stated.

(b) Clients are responsible for any applicable sales tax, VAT, GST, or other transaction-based taxes, except where

CurityCare is legally required to collect and remit such taxes.

Currency Conversion and International Payment Rules

(a) Currency conversion rates are determined by CurityCare’s payment processor and may include a conversion fee.

(b) Cross-border transactions may be subject to additional fees charged by the Client’s bank or card issuer.

(c) In the European Economic Area (EEA), currency conversion disclosures shall comply with Regulation (EU) 2019/518 on cross-border payments and currency conversion charges.

Refund Policy

(a) Refunds are generally not available once a Service has been rendered.

(b) Exceptions:

Provider no-show;

Proven failure to deliver the agreed Service;

Service cancellation by CurityCare for non-Client-related reasons.

(c) Clients seeking a refund must submit a request within 72 hours of the scheduled Service time through the CurityCare dispute resolution portal.

(d) Approved refunds will be processed within ten (10) business days in the original payment method used.

Chargebacks and Disputes

(a) Clients agree not to initiate a chargeback without first attempting to resolve the issue directly with CurityCare.

(b) Unjustified chargebacks may result in account suspension and possible legal action to recover amounts improperly disputed.

Late Payments by Clients

(a) If payment is declined or otherwise fails, the Client must provide an alternative payment method within five (5) calendar days.

(b) Failure to do so may result in:

Suspension of the Client’s account;

Referral to collections;

Imposition of late payment interest at the lesser of 1.5% per month or the maximum rate permitted by law.

Withholding of Provider Payments

CurityCare may withhold Provider payouts in cases of:

Pending disputes;

Suspected fraud;

Incomplete service documentation;

Violation of these Terms of Service.

Governing Law References for Payment Processing

United States: Electronic Fund Transfer Act, 15 U.S.C. § 1693 et seq.;

European Union: Payment Services Directive (Directive (EU) 2015/2366);

International: UNCITRAL Model Law on International Credit Transfers (1992).

Introduction

(a) CurityCare, LLC ("CurityCare,” "we,” "our,” or "us”) is committed to protecting the privacy and confidentiality of all personal, spiritual, and wellness-related information collected from Clients and Providers.

(b) This Privacy Policy forms an integral part of the Terms of Service and is intended to ensure compliance with applicable privacy, data protection, and confidentiality laws in all jurisdictions where CurityCare operates, including but not limited to:

The U.S. Health Insurance Portability and Accountability Act of 1996 (HIPAA);

The California Consumer Privacy Act (CCPA), Cal. Civ. Code § 1798.100 et seq.;

The EU General Data Protection Regulation (GDPR), Regulation (EU) 2016/679;

Comparable laws in Canada, the UK, Australia, and other jurisdictions.

Categories of Data Collected

(a) Personal Identification Data — Name, date of birth, contact information, payment information, government-issued identification (where legally required).

(b) Wellness and Health Data — Information regarding Client mental health status, wellness concerns, therapeutic history, and other data voluntarily provided by the Client to Providers or CurityCare for the purpose of service delivery.

(c) Spiritual and Religious Data — Faith affiliation, spiritual practices, ceremonial participation, and other religious information disclosed for the purpose of matching Clients with appropriate Providers.

(d) Platform Usage Data — IP address, browser type, session activity, device identifiers, and other technical data gathered through cookies and analytics tools.

Lawful Basis for Data Processing

CurityCare processes personal data only where a lawful basis exists under Applicable Law, including:

Consent — Voluntary, informed, and revocable at any time¹³;

Contractual Necessity — To perform obligations under the Client–CurityCare agreement;

Legal Obligation — To comply with applicable laws or court orders;

Legitimate Interests — Including fraud prevention, security monitoring, and service improvement;

Vital Interests — In emergencies involving health or safety.

Data Collection Methods

(a) Direct Collection — Data provided by Clients and Providers during registration, booking, and communication with CurityCare.

(b) Automated Collection — Use of cookies, session tracking, and analytics tools for operational purposes.

(c) Third-Party Sources — Credential verification agencies, payment processors, and, where legally permissible, religious institutions for ordination verification.

Special Category Data

(a) Under the GDPR and comparable laws, religious affiliation and health-related data constitute Special Category Data, subject to heightened protections.

(b) CurityCare will process such data only with explicit consent, except where processing is necessary:

For legal claims;

To protect vital interests;

Where data has been manifestly made public by the data subject.

Data Use and Sharing

(a) Internal Use — Matching Clients with Providers, improving Platform functionality, and ensuring compliance with licensing requirements.

(b) Limited External Sharing — Only with:

Payment processors (for billing purposes);

Credential verification services;

Legal authorities, when compelled by law.

(c) No Sale of Data — CurityCare does not sell Client or Provider data to third parties, in compliance with CCPA § 1798.120.

Confidentiality of Spiritual and Wellness Data

(a) All Providers using the Platform are contractually bound by a Non-Disclosure Agreement (NDA) to maintain the confidentiality of all Client information, whether or not such information is classified as legally protected health information (PHI) under HIPAA.

(b) Providers who breach confidentiality obligations are subject to:

Immediate termination from the Platform;

Potential civil liability;

Referral to licensing boards and religious oversight bodies.

Data Retention

(a) Personal data will be retained only for as long as necessary to:

Fulfill the purposes for which it was collected;

Comply with legal obligations;

Resolve disputes;

Enforce agreements.

(b) Wellness and spiritual data will be retained no longer than seven (7) years from the date of last service unless longer retention is mandated by Applicable Law.

Data Subject Rights

Clients and Providers have the following rights under GDPR, CCPA, and other applicable privacy laws:

Right of Access — Obtain a copy of personal data;

Right to Rectification — Correct inaccurate or incomplete data;

Right to Erasure ("Right to be Forgotten”) — Request deletion of personal data;

Right to Restrict Processing — Limit use of personal data under certain circumstances;

Right to Data Portability — Receive personal data in a structured, machine-readable format;

Right to Object — Object to processing based on legitimate interests or direct marketing.

Data Security Measures

(a) CurityCare employs physical, technical, and administrative safeguards, including:

AES-256 encryption for data at rest;

TLS 1.3 encryption for data in transit;

Role-based access controls;

Multi-factor authentication for administrative accounts.

(b) Security measures are reviewed and updated quarterly.

International Data Transfers

(a) For transfers of personal data outside the EEA, CurityCare will use appropriate safeguards such as:

Standard Contractual Clauses (SCCs);

Binding Corporate Rules (BCRs);

Adequacy decisions issued by the European Commission.

(b) Clients acknowledge that cross-border transfers may be necessary for global service provision.

Breach Notification

(a) In the event of a data breach involving personal data, CurityCare will:

Notify affected individuals without undue delay;

Comply with GDPR Art. 33 (72-hour notice to supervisory authority) and U.S. state breach notification laws.

HIPAA Privacy Rule, 45 C.F.R. Part 160 and Subparts A and E of Part 164;

CCPA, Cal. Civ. Code § 1798.100 et seq.;

GDPR, Regulation (EU) 2016/679.

Non-Disclosure Agreement (NDA) and Confidentiality Obligations

Purpose and Scope

(a) This Non-Disclosure Agreement ("NDA”) is an integral part of these Terms of Service and applies to all Providers, Clients, and CurityCare personnel who have access to confidential information through the use of the CurityCare Platform.

(b) "Confidential Information” includes, but is not limited to:

All personal, wellness, mental health, and spiritual data of Clients;

Proprietary business information of CurityCare, LLC;

Service methodologies, client lists, pricing structures, and algorithms;

Any non-public agreements, legal documents, and communications between CurityCare, Clients, and Providers.

Mutual Confidentiality Obligations

(a) All parties agree to maintain strict confidentiality and to use Confidential Information solely for the purpose of providing or receiving services under this Agreement.

(b) The obligations of confidentiality shall survive termination of the Client or Provider account and continue for a period of ten (10) years from the date of disclosure, except where Applicable Law mandates a longer period.

Provider-Specific Obligations

(a) Providers must:

Comply with HIPAA where applicable;

Avoid disclosure of Client identity, religious affiliation, or spiritual practices to any third party without the Client’s explicit written consent;

Maintain all session notes, recordings, or related data in a secure and encrypted format;

Destroy or anonymize Client data after the retention period stated in Section 9.8, unless otherwise required by law.

(b) Providers acknowledge that breach of these obligations may result in:

Termination from the Platform;

Reporting to professional licensing boards;

Civil or criminal penalties.

Exceptions to Confidentiality

Disclosure of Confidential Information is permitted only when:

Required by law, regulation, or court order;

Necessary to prevent imminent harm to the Client or others;

Authorized in writing by the disclosing party;

Required for internal investigations of fraud, abuse, or misconduct.

Client Confidentiality Obligations

(a) Clients agree not to disclose any proprietary methods, educational materials, or spiritual content provided by CurityCare or its Providers without express written permission.

(b) Any breach by a Client may result in immediate account suspension and potential legal action for damages.

88. Intellectual Property Protection

(a) All content provided by CurityCare or its Providers remains the sole property of the creator or CurityCare, LLC, as applicable, and is protected under U.S. copyright law (17 U.S.C. § 101 et seq.), EU Copyright Directive 2001/29/EC, and equivalent international treaties.

(b) Unauthorized reproduction, distribution, or modification of such materials constitutes a breach of this Agreement and may result in injunctive relief, damages, and attorney’s fees.

Remedies for Breach

(a) CurityCare shall be entitled to injunctive relief in addition to monetary damages in the event of a breach of confidentiality obligations, without the need to post bond.

(b) Breaching parties may be liable for:

Actual damages;

Consequential damages;

Punitive damages where allowed by law;

Attorney’s fees and costs.

Arbitration and Enforcement

(a) Disputes arising from or relating to this NDA will be resolved in accordance with the arbitration clause in Section 25 of this Agreement.

(b) Parties acknowledge that a breach of confidentiality could cause irreparable harm that may not be adequately remedied by monetary damages alone.

United States: Defend Trade Secrets Act of 2016, 18 U.S.C. § 1836;

European Union: Directive (EU) 2016/943 on the protection of undisclosed know-how and business information;

International: Article 39 of the Agreement on Trade-Related Aspects of Intellectual Property Rights (TRIPS).

User Account Registration, Verification, and Eligibility Requirements

General Requirements

(a) Access to the CurityCare Platform requires prior account registration. No Client or Provider may use CurityCare’s services without an active, approved account.

(b) By registering, the user represents and warrants that:

They are at least eighteen (18) years of age and have the legal capacity to contract under Applicable Law;

They are not currently barred from using online services under the laws of the United States, the European Union, or any other jurisdiction where CurityCare operates;

They will comply with these Terms of Service and all relevant statutes, regulations, and ethical codes applicable to their jurisdiction.

Registration Process

(a) Clients must complete an online registration form providing:

Full legal name;

Date of birth;

Email address and phone number;

Preferred language(s);

Payment method details;

(Optional) Faith or spiritual preference for Provider matching.

(b) Providers must additionally supply:

Proof of professional licensing or certification in mental health counseling, pastoral care, chaplaincy, or other qualifying discipline;

Evidence of good standing with all relevant licensing boards;

Proof of liability insurance coverage;

Criminal background check results, where permitted by law.

Identity Verification

(a) CurityCare may use third-party identity verification vendors compliant with:

The Gramm–Leach–Bliley Act (GLBA) for financial data;

The General Data Protection Regulation (GDPR) for EU data;

State-specific privacy and verification laws in the U.S. (e.g., Cal. Bus. & Prof. Code § 22443.1).

(b) Verification may include:

Address verification via utility bills or bank statements;

Real-time video verification session;

Database checks against international sanction and watch lists.

Provisional Access

(a) In certain cases, CurityCare may grant provisional account access pending completion of full verification.

(b) Provisional accounts are subject to:

Restricted feature access;

Suspension if verification fails;

Automatic closure after 30 days without successful verification.

Ongoing Compliance

(a) Providers must update CurityCare within five (5) business days of any:

Change in licensing status;

Disciplinary action by a regulatory board;

Criminal charges or convictions;

Change in insurance coverage.

(b) Clients must update CurityCare promptly if:

Contact information changes;

There is a change in legal name;

Payment information changes.

Multiple Accounts Prohibited

(a) Each individual is permitted only one active account in each user category (Client or Provider).

(b) Multiple accounts without express written approval from CurityCare are grounds for immediate suspension.

Denial or Termination of Accounts

(a) CurityCare reserves the right, at its sole discretion, to deny or revoke account access where:

The applicant has provided false or misleading information;

The applicant’s presence on the Platform may pose a risk to

Clients, Providers, or CurityCare;

The applicant has previously violated these Terms or similar

agreements with comparable services.

Effect of Account Termination

(a) Upon termination:

All outstanding obligations under this Agreement survive to the extent necessary to enforce rights and remedies;

All licenses granted to the user are immediately revoked;

Confidential Information must be returned or securely

destroyed within ten (10) business days.

Legal Citations

Children’s Online Privacy Protection Act (COPPA), 15 U.S.C. § 6501 et seq.;

Gramm–Leach–Bliley Act (GLBA), 15 U.S.C. §§ 6801–6809;

GDPR, Regulation (EU) 2016/679;

Cal. Bus. & Prof. Code § 22443.1 — Background checks for service providers.

Payment Terms, Fees, and Billing Practices

General Overview

(a) CurityCare operates a dual-sided fee structure whereby both Clients and Providers may be charged fees for use of the Platform and related services.

(b) All financial transactions between Clients and Providers facilitated through CurityCare must be processed via the CurityCare payment system; off-platform payments are strictly prohibited unless explicitly authorized in writing by CurityCare.

Client Payment Obligations

(a) Upon confirmation of a booking, the Client authorizes CurityCare to charge the provided payment method for:

The agreed service fee for the Provider;

Any applicable taxes, VAT, or GST;

CurityCare’s Client Service Fee;

Currency conversion and processing charges, where applicable.

(b) Clients shall ensure that sufficient funds or credit limits are available to cover the full transaction amount.

Provider Payouts

(a) Providers will receive payouts for completed sessions after deduction of:

Platform fees;

Payment processing costs;

Applicable taxes withheld by CurityCare where required by law.

(b) Unless otherwise agreed in writing, payouts will be initiated within seven (7) business days after service completion and will be transmitted via the payout method selected by the Provider.

(c) Providers operating in the European Union shall be entitled to payment timelines consistent with Directive 2011/7/EU on late payments¹⁶.

Currency and International Transactions

(a) All prices and payouts are denominated in U.S. dollars (USD) unless the Client or Provider opts for a supported local currency.

(b) Currency conversions will be performed by CurityCare’s payment processor at the prevailing exchange rate and may include a conversion fee disclosed at the time of booking.

(c) Clients and Providers are responsible for any additional bank fees, foreign transaction charges, or cross-border assessment fees.

Taxes and Withholding

(a) CurityCare will collect and remit sales tax, VAT, or GST where required by law.

(b) Providers are independently responsible for reporting and remitting income taxes in their jurisdiction.

(c) CurityCare may issue IRS Form 1099-MISC or 1099-K to U.S. Providers and equivalent forms for other jurisdictions as required by law.

Verified Provider no-show;

Material breach of service delivery obligations;

Cancellations by CurityCare for reasons not attributable to the Client.

(b) Refund requests must be submitted within 72 hours of the scheduled service time.

Chargebacks and Dispute Handling

(a) Clients agree not to initiate a payment card chargeback without first submitting a dispute to CurityCare.

(b) Unjustified chargebacks may result in:

Account suspension;

Collection actions;

Legal proceedings for recovery of disputed amounts plus costs and attorney’s fees.

Late Payments and Default

(a) Clients whose payment fails must update payment details within five (5) calendar days.

(b) Late payments may accrue interest at 1.5% per month or the maximum amount allowed by law.

Prohibition of Off-Platform Payments

(a) Any attempt to arrange payment outside the CurityCare Platform without written approval is a material breach of these Terms.

(b) CurityCare reserves the right to assess a liquidated damages fee equal to the greater of $500 or 25% of the off-platform transaction value.

Electronic Fund Transfer Act (EFTA), 15 U.S.C. § 1693 et seq.;

Fair Credit Billing Act, 15 U.S.C. § 1666;

Directive 2011/7/EU on combating late payment in commercial transactions;

Regulation (EU) 2015/751 on interchange fees for card-based payment transactions.

Appointment Scheduling, Cancellations, and Rescheduling

Scheduling Overview

(a) All appointments between Clients and Providers must be booked through the CurityCare Platform using the integrated scheduling tool.

(b) Bookings may be made:

By the Client directly via the online interface;

By CurityCare support staff on behalf of a Client, upon request;

By a Provider with prior written consent of the Client.

Confirmation of Bookings

(a) A booking is considered confirmed only when:

The Client has completed payment authorization; and

The Provider has accepted the appointment through the Platform.

(b) Confirmation notices will be sent to both parties by email and/or SMS where permitted by law.

Provider Responsibilities for Scheduling

(a) Providers shall maintain an up-to-date availability calendar on the Platform.

(b) Providers must honor confirmed bookings except in cases of:

Medical emergencies;

Force majeure events;

Other exceptional circumstances approved by CurityCare.

Temporary suspension from the Platform;

Permanent removal after three (3) verified unjustified cancellations in a rolling 12-month period.

Client Responsibilities for Scheduling

(a) Clients shall ensure they are available at the scheduled appointment time and maintain reliable internet or telecommunication access.

(b) Clients must notify CurityCare and the Provider promptly if they are unable to attend.

Cancellation by Client

(a) Cancellations by a Client are permitted without penalty if made at least 24 hours before the scheduled appointment.

(b) Cancellations within the 24-hour window may incur:

A cancellation fee equal to 50% of the session fee;

A full charge for a no-show, except where prohibited by law.

Cancellation by Provider

(a) Providers may cancel an appointment only for just cause, which must be documented and reported to CurityCare.

(b) If a Provider cancels without valid cause, the Client shall receive:

A full refund;

A credit voucher equal to the session fee, valid for 12 months.

Rescheduling Policy

(a) Rescheduling requests must be submitted through the Platform at least 12 hours before the appointment.

(b) If the reschedule request is made within the 12-hour window:

The receiving party may reject it without penalty;

The requesting party may be subject to applicable cancellation fees.

No-Show Policy

(a) A "no-show” occurs when:

The Client fails to appear within 15 minutes of the scheduled time; or

The Provider fails to initiate the session within 15 minutes of the scheduled time.

(b) Consequences for a Client no-show:

Forfeiture of the session fee;

Possible account review after three (3) no-shows in a 12-month period.

Full refund to the Client;

Account review after two (2) no-shows in a 12-month period.

Force Majeure

(a) Neither party shall be liable for cancellations or no-shows caused by force majeure events, including but not limited to:

Natural disasters;

Public health emergencies;

Government-imposed restrictions;

Internet or utility outages beyond the party’s control.

(b) In such cases, CurityCare will make reasonable efforts to reschedule without penalty.

Record of Appointments

(a) CurityCare maintains a record of all appointments, cancellations, and reschedules for at least two (2) years for quality control and dispute resolution purposes.

(b) This data may be used in arbitration or litigation, consistent with the Privacy Policy.

Uniform Commercial Code (UCC) § 2-615 — Excuse by Failure of Presupposed Conditions;

EU Directive 2011/83/EU on Consumer Rights — Right of withdrawal and cancellation terms;

United Nations Convention on Contracts for the International Sale of Goods (CISG), Art.

Exemption due to impediments beyond control.

Provider Qualifications, Licensing, and Professional Standards

Licensed mental health counseling;

Licensed pastoral counseling;

Licensed chaplaincy;

Licensed psychotherapy or cognitive therapy;

Licensed yoga instruction or meditation facilitation (where licensing is regulated);

Certified ceremonial officiants or equivalent recognized authority in a specific faith tradition.

(b) Providers must be able to demonstrate expertise in their field as well as a documented understanding of religious and spiritual diversity, consistent with CurityCare’s role as a faith-based but multi-tradition platform.

Licensing and Credential Verification

(a) Providers must submit, upon registration and at renewal intervals specified by CurityCare:

Proof of state, provincial, or national licensure or certification;

Current standing with relevant professional bodies;

Proof of continuing education where required by law;

Copies of professional liability insurance policies.

(b) All documentation will be verified via third-party services or direct communication with the licensing authority.

Local laws and licensing standards;

International ethical guidelines (e.g., World Health Organization mental health standards);

For EU Providers, compliance with Directive 2005/36/EC on the recognition of professional qualifications¹⁸.

(b) Non-U.S. Providers agree to abide by applicable U.S. laws and regulations when serving U.S.-based Clients.

Religious and Spiritual

(a) Providers shall comply with professional ethical codes relevant to their discipline, including but not limited to:

American Counseling Association (ACA) Code of Ethics;

American Psychological Association (APA) Ethical Principles;

National Association of Social Workers (NASW) Code of Ethics;

International Association of Chaplains (IAC) Code of Conduct;

Religious-specific codes applicable to their tradition.

(b) Providers must avoid discrimination on the basis of race, religion, gender, sexual orientation, disability, or any other protected category under applicable law.

Religious and Spiritual Competency

(a) Given CurityCare’s unique role as a "center and periphery” platform connecting multiple faith traditions, Providers shall:

Demonstrate sensitivity toward diverse religious beliefs;

Refrain from proselytizing unless explicitly requested by the Client;

Provide accurate and respectful information about their own tradition;

Avoid disparaging other traditions represented on the Platform.

Continuing Education

(a) Providers must comply with all continuing education requirements imposed by their licensing authorities.

(b) CurityCare may, at its discretion, require additional training in areas such as:

Cross-cultural religious competency;

Digital ethics for telehealth;

Confidentiality and data protection under GDPR and HIPAA.

Disciplinary Actions and Reporting

(a) Providers must promptly notify CurityCare if they:

Become the subject of any professional disciplinary action;

Are arrested or convicted of any offense that could impact professional suitability;

Experience a suspension or revocation of licensure.

(b) CurityCare reserves the right to:

Suspend or terminate Provider accounts;

Report verified misconduct to licensing authorities;

Cooperate with law enforcement or regulatory agencies.

Peer Review and Quality Assurance

(a) CurityCare may establish a peer review committee to monitor quality of services.

(b) Peer review findings are confidential but may result in corrective action plans or removal from the Platform.

Liability and Insurance

(a) Providers must maintain professional liability insurance coverage with minimum policy limits as set by CurityCare.

(b) Failure to maintain such coverage is grounds for suspension or termination.

Directive 2005/36/EC on the recognition of professional qualifications (EU);

Health Insurance Portability and Accountability Act of 1996 (HIPAA), 42 U.S.C. § 1320d et seq.;

American Counseling Association Code of Ethics (2014);

Cal. Bus. & Prof. Code § 4999.90 — Licensing requirements for professional clinical counselors.

Scope of Services and Service Descriptions

Overview

(a) CurityCare, LLC operates as a faith-based online telehealth and spiritual services platform that connects Clients with independently contracted Providers licensed and/or credentialed in relevant fields.

(b) The Platform functions as a neutral "center” for all faiths, inspired by the Tibetan concept kyil-khor — symbolizing unity between the center (the perceiving subject) and the periphery (the perceived object).

(c) CurityCare itself does not provide direct counseling, medical, or legal advice. All services are rendered solely by independent Providers in accordance with their own professional licensing, training, and applicable laws.

Service Categories

Meditation services may include:

Guided mindfulness sessions;

Religious or spiritual meditation rooted in specific faith traditions;

Breathwork,visualization, or mantra practices;

Group or individual sessions conducted via video, audio, or in person.

(b) Providers offering meditation services shall:

Disclose the religious or non-religious framework of their practice;

Ensure that any physical exercises or breath control techniques are safe for Clients with known health conditions;

Avoid claims of medical treatment unless licensed to do so.

(c) Legal Reference: Meditation instruction generally falls under wellness services but may be subject to licensing in certain jurisdictions (e.g., Cal. Bus. & Prof. Code § 2052 regarding unauthorized medical practice).

Yoga Instruction

(a) Yoga services may encompass:

Asana (physical postures);

Pranayama (breathing techniques);

Meditation and mindfulness components;

Faith-based adaptations (e.g., Hindu, Buddhist, Christian contemplative movement).

(b) Providers must:

Ensure safe practice, particularly for Clients with physical limitations;

Comply with any state or national instructor certification requirements;

Avoid therapeutic claims unless specifically licensed in physical therapy or related fields.

(c) Legal Reference: States such as Colorado and Arkansas have enacted "Yoga Teacher Registration” requirements; EU consumer laws apply to physical wellness services under

Directive 2011/24/EU on cross-border healthcare.

Counseling and Mental Health Services

(a) Counseling services include:

Individual, couple, family, or group counseling;

Faith-based pastoral counseling;

Grief, trauma, and crisis intervention.

(b) All mental health counseling shall:

Be conducted by a licensed mental health professional (e.g., LMHC, LCSW, LPC, psychologist);

Comply with HIPAA and applicable state privacy laws;

Be documented in secure, encrypted records.

(c) Legal Reference: HIPAA, 42 U.S.C. § 1320d et seq.; State licensing boards (e.g., Washington Administrative Code § 246-809).

Cognitive Behavioral Therapy (CBT);

Mindfulness-Based Cognitive Therapy (MBCT);

Acceptance and Commitment Therapy (ACT).

(b) Only providers with appropriate clinical licensing may offer such services.

(c) CurityCare prohibits unlicensed Providers from representing cognitive therapy as a clinical treatment in jurisdictions where licensure is required.

(d) Legal Reference: 45 C.F.R. Parts 160 and 164 (HIPAA Privacy and Security Rules); DSM-5 diagnostic guidelines (non-binding but standard in the profession).

Chaplaincy services may include:

Spiritual care for individuals in hospitals, prisons, military, and community settings;

Interfaith chaplaincy;

Religious rites and blessings.

(b) Chaplains must:

Have ordination, endorsement, or certification from a recognized religious body;

Adhere to applicable codes of ethics (e.g., Association of Professional Chaplains).

(c) Legal Reference: U.S. Const. amend. I — Free Exercise Clause; EU Charter of Fundamental Rights, Art. 10 — Freedom of thought, conscience, and religion.

Ceremonial and Ritual Services

Ceremonial and ritual services may include:

Weddings, funerals, baptisms, naming ceremonies, blessings, and other religious rites;

Seasonal or life-transition rituals in accordance with the Client’s faith.

(b) Providers must:

Comply with local civil laws governing marriage or other legal ceremonies;

Clearly disclose whether ceremonies have legal as well as religious significance.

(c) Legal Reference: State marriage solemnization laws (e.g., RCW 26.04.050 in Washington State); international human rights instruments protecting religious practice (e.g., ICCPR Art. 18).

Multi-Faith Representation

(a) CurityCare supports Providers from — and Clients seeking services within — the following traditions (non-exhaustive):

Buddhism (Theravāda, Mahāyāna, Vajrayāna);

Christianity (Catholic, Orthodox, Protestant, Evangelical, Latter-day Saints, etc.);

Islam (Sunni, Shia, Sufi traditions);

Judaism (Orthodox, Conservative, Reform, Reconstructionist);

Hindu traditions (Shaivism, Vaishnavism, Shaktism, Smartism);

Zoroastrianism;

Wiccan, Pagan, Heathen, and other spiritualist traditions.

(b) All Providers agree to represent their own tradition accurately and without disparagement toward others.

Medical diagnosis or prescription by unlicensed Providers;

Financial or legal advice unless the Provider holds appropriate licensing;

Exorcisms or high-risk rituals without informed written consent.

(b) Services must always prioritize Client safety, dignity, and autonomy.

Governing Laws for Services

(a) All services are subject to:

Applicable local, state, and national laws;

Consumer protection statutes (e.g., Federal Trade Commission Act, 15 U.S.C. § 45);

International human rights standards (e.g., Universal Declaration of Human Rights, Art. 18).

General Payment Structure

(a) CurityCare, LLC operates on a dual-payment model whereby:

Clients pay CurityCare for access to services rendered by independent Providers; and Providers pay CurityCare a service fee or commission for platform access, marketing, and administrative support.

(b) All financial transactions are processed through secure, PCI-DSS compliant payment gateways¹².

(c) Payment terms apply equally to services rendered in the United States, the European Union, and other global jurisdictions unless expressly stated otherwise.

Credit and debit cards (Visa, Mastercard, American Express, Discover);

ACH bank transfer (U.S. only);

SEPA direct debit (EU);

PayPal and other approved digital wallets.

(c) Multi-currency support is available, with conversions processed at rates determined by CurityCare’s payment processors.

(d) Clients are responsible for any currency conversion fees, bank charges, or foreign transaction fees applied by their financial institutions.

Provider Payment Obligations

(a) Providers agree to pay CurityCare:

A fixed subscription fee; and/or

A percentage commission on each completed transaction.

(b) Provider fees are automatically deducted from payments owed to the Provider unless an alternate arrangement is documented in writing.

All taxes, including income, self-employment, and VAT where applicable;

Filing all required tax forms (e.g., IRS Form 1099-MISC in the U.S., EU VAT returns).

Invoicing and Receipts

(a) CurityCare shall provide electronic invoices and receipts for all transactions.

(b) Invoices are considered correct and binding unless disputed in writing within thirty (30) calendar days of issuance.

If a Client cancels more than 24 hours before a scheduled session, a full refund may be issued;

Cancellations within 24 hours may be subject to a cancellation fee equal to up to 50% of the service cost.

(b) Provider-Initiated Cancellations:

Clients shall receive a full refund or may reschedule at no additional cost.

Refunds for dissatisfaction will be considered on a case-by-case basis;

CurityCare reserves the right to request evidence or documentation supporting the refund request.

(d) All refunds will be processed via the original payment method within 14 business days of approval.

Chargebacks and Payment Reversals

(a) Clients agree not to initiate a credit card chargeback without first attempting to resolve the issue directly with CurityCare.

(b) In the event of a chargeback:

The Client’s account may be suspended pending resolution;

CurityCare reserves the right to recover chargeback fees and associated costs.

Non-Payment Consequences

(a) Failure to pay fees when due may result in:

Suspension of access to the Platform;

Referral of the account to a collections agency;

Legal action to recover outstanding amounts.

(b) CurityCare reserves the right to charge interest on overdue amounts at the maximum rate permitted by applicable law.

Disputed Payments

(a) If a payment is disputed:

The disputing party must notify CurityCare in writing within ten (10) business days;

Both parties shall attempt good faith resolution prior to escalation to arbitration or litigation.

(b) Unresolved disputes shall be governed by the dispute resolution provisions set forth in Section 28 (Arbitration and Class Action Waiver).

Payment Card Industry Data Security Standard (PCI-DSS) v4.0;

153. U.S.C. § 1693 et seq. — Electronic Fund Transfer Act;

Council Directive 2006/112/EC — Common system of value added tax;

Regulation (EU)2018/302 — Geo-blocking and cross-border e-commerce.

Data Protection, Privacy Policy, and Confidentiality

The collection, processing, storage, and sharing of Client and Provider data;

Compliance with applicable U.S., EU, and international privacy laws;

Enforcement of confidentiality obligations through contractual and statutory means.

(b) This Privacy Policy applies to all interactions with the Platform, including website usage, mobile application usage, telehealth sessions, messaging systems, and third-party integrations.

Data Collected

(a) CurityCare collects only data that is reasonably necessary for the provision of services, including:

Personal Identification Information — Name, address, email, phone number, date of birth;

Account and Payment Information — Usernames, passwords, billing addresses, payment methods (stored securely via PCI-DSS compliant processors);

Wellness and Spiritual Data — Non-clinical information related to religious affiliation, spiritual concerns, or wellness history voluntarily provided by the Client;

Session Data — Dates, times, and duration of service interactions, session notes where applicable;

Technical Data — IP addresses, device identifiers, browser types, and usage logs.

(b) CurityCare does not collect protected health information (PHI) beyond what is necessary for the facilitation of services, unless required by law or explicitly authorized by the Client.

Legal Basis for Processing (GDPR & U.S. Law)

(a) Under the EU General Data Protection Regulation (GDPR, Regulation (EU) 2016/679), data is processed based on:

The necessity for the performance of a contract (Art. 6(1)(b));

Compliance with a legal obligation (Art. 6(1)(c));

Consent of the data subject (Art. 6(1)(a));

Legitimate interests pursued by CurityCare (Art. 6(1)(f)).

(b) Under U.S. law, data processing is governed by:

Federal Trade Commission Act, 15 U.S.C. § 45 (prohibiting unfair or deceptive acts);

HIPAA Privacy Rule, 45 C.F.R. Parts 160 & 164 (for PHI handled by covered entities);

State-specific privacy laws (e.g., California Consumer Privacy Act, Cal. Civ. Code § 1798.100 et seq.).

Confidentiality Obligations of Providers (NDA)

(a) All Providers must execute a Non-Disclosure Agreement (NDA) with CurityCare before offering services.

(b) The NDA shall:

Prohibit disclosure of any Client-identifiable information outside the context of service delivery;

Prohibit the use of CurityCare’s proprietary platform data for personal gain or competitive purposes;

Require secure handling of any written or digital Client records.

Termination of Provider’s account;

Civil liability for damages;

Referral to professional licensing boards for disciplinary action.

Data Retention Policy

(a) Personal and session data shall be retained only for as long as necessary to:

Fulfill contractual obligations;

Comply with legal or regulatory requirements;

Resolve disputes and enforce agreements.

(b) Maximum retention periods:

3 years for financial records (per IRS and EU VAT rules);

3 years for session notes, unless required longer by applicable licensing regulations.

End-to-end encryption for all telehealth and messaging communications;

Multi-factor authentication for Provider accounts;

Annual security audits and ***** testing;

ISO/IEC 27001-aligned information security management systems.

(b) Providers must also maintain equivalent security measures in their own systems to protect Client data.

Standard Contractual Clauses (SCCs) approved by the European Commission;

Adequacy decisions under GDPR Art. 45.

(b) By using the Platform, Clients and Providers consent to such transfers.

Client Rights Under Privacy Laws

(a) U.S. Clients may have rights under state laws to:

Access and obtain a copy of personal data;

Request deletion of personal data;

Opt-out of certain data sales or sharing.

(b) EU/EEA Clients have rights under GDPR to:

Access, rectify, and erase personal data (Arts. 15–17);

Restrict processing and object to processing (Arts. 18–21);

Data portability (Art. 20).

Disclosure to Third Parties

(a) CurityCare may share data with third parties only when:

Necessary to facilitate service delivery;

Required by law or court order;

Explicitly consented to by the Client.

(b) CurityCare does not sell personal data to advertisers or unrelated third parties.

Governing Laws for Privacy

HIPAA Privacy Rule, 45 C.F.R. Parts 160 & 164;

California Consumer Privacy Act (CCPA), Cal. Civ. Code § 1798.100 et seq.;

U.S. Federal Trade Commission Act, 15 U.S.C. § 45.

Intellectual Property Rights

Ownership of the Platform and Content

(a) CurityCare, LLC is the sole and exclusive owner of all intellectual property rights in:

The CurityCare brand name, logo, and trade dress;

The website, mobile applications, and all underlying source code;

All text, graphics, images, videos, audio, designs, layouts, compilations, and other materials created or provided by CurityCare (collectively, the "Platform Content”);

All proprietary algorithms, software, and business methods developed for or used in connection with the Platform.

(b) All rights not expressly granted to Clients or Providers under these Terms of Service are reserved to CurityCare.

Trademark Protection

(a) The CurityCare® name, logo, and associated marks are registered and/or common law trademarks of CurityCare, LLC in the United States and may also be registered in other jurisdictions.

(b) Unauthorized use, reproduction, or imitation of these marks is prohibited under:

U.S. Lanham Act, 15 U.S.C. § 1051 et seq.;

EU Trade Mark Regulation (EUTMR), Regulation (EU) 2017/1001.

(a) All Platform Content is protected under:

U.S. Copyright Act, 17 U.S.C. § 101 et seq.;

Berne Convention for the Protection of Literary and Artistic Works;

WIPO Copyright Treaty.

(b) Clients and Providers may not copy, reproduce, distribute, publicly display, or create derivative works of Platform Content without prior written consent.

Limited License to Clients

(a) Subject to compliance with these Terms, CurityCare grants Clients a limited, non-exclusive, non-transferable, revocable license to:

Access and use the Platform for personal, non-commercial purposes;

View, download, and print certain Platform Content solely for use in connection with services obtained through the Platform.

(b) This license does not permit:

Reselling or sublicensing Platform access;

Reverse engineering or attempting to extract source code;

Using automated tools (e.g., bots, scrapers) to collect data from the Platform.

Limited License to Providers

(a) Subject to these Terms and the Provider Agreement, Providers are granted a limited license to use certain CurityCare trademarks and marketing materials solely for the purpose of promoting their services on the Platform.

(b) All such usage must comply with CurityCare’s Brand Guidelines, which may be updated periodically.

User-Generated Content (UGC)

(a) Clients and Providers may upload, post, or transmit content to the Platform ("User-Generated Content”), including:

Written messages;

Audio or video recordings;

Images;

Spiritual or wellness-related documents.

(b) By submitting UGC, the submitting party grants CurityCare a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to:

Use, reproduce, adapt, publish, translate, distribute, publicly display, and create derivative works from such content in connection with Platform operations.

They own or have the right to license the UGC;

The UGC does not infringe the intellectual property rights of any third party.

Third-Party Intellectual Property

(a) Certain Platform Content may include third-party trademarks, copyrighted works, or other intellectual property.

(b) Such third-party rights are owned by their respective holders, and their inclusion does not imply sponsorship or endorsement by CurityCare.

Enforcement and Remedies

(a) CurityCare reserves the right to:

Remove any infringing content without prior notice;

Terminate the accounts of repeat infringers;

Seek injunctive relief, monetary damages, and attorneys’ fees under applicable law.

(b) CurityCare may refer suspected violations to law enforcement, regulatory authorities, or intellectual property rights holders.

Governing Laws for IP Rights

EU Trade Mark Regulation (EUTMR), Regulation (EU) 2017/1001;

Berne Convention for the Protection of Literary and Artistic Works (1971);

WIPO Copyright Treaty (1996).

Acceptable Use Policy (AUP)

Purpose of the AUP

(a) This Acceptable Use Policy ("AUP”) sets forth the rules and standards governing the use of the CurityCare Platform by Clients and Providers.

(b) The AUP is designed to:

Protect the safety, privacy, and dignity of all Platform participants;

Ensure compliance with applicable laws and professional ethics;

Maintain the integrity and reputation of CurityCare, LLC as a faith-based, interfaith, and multi-jurisdictional telehealth and spiritual counseling platform.

General Conduct Requirements

(a) Clients and Providers agree to use the Platform only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the Platform by any other person.

(b) Users must at all times:

Treat other Users with dignity, courtesy, and respect;

Abide by all applicable federal, state, and local laws in the U.S., as well as applicable laws in other jurisdictions where they operate;

Comply with professional codes of ethics relevant to their religious, counseling, or mental health licensing.

Prohibited Activities

(a) Without limitation, Users may not:

Use the Platform to transmit, store, or share any content that is obscene, defamatory, harassing, threatening, or otherwise unlawful;

Impersonate another person, misrepresent their affiliation, or use false identities;

Engage in hate speech, discriminatory remarks, or proselytizing that is coercive or manipulative;

Solicit, promote, or facilitate illegal activity, including fraud, money laundering, or unlicensed counseling;

Upload or transmit malware, spyware, viruses, or other malicious code;

Use automated means (bots, scrapers, spiders) to collect Platform data without written consent;

Circumvent security measures or attempt unauthorized access to Platform systems;

Record or distribute any counseling session without express prior consent of all participants;

Use the Platform to send unsolicited commercial messages ("spam”);

Engage in behavior that violates HIPAA, GDPR, or equivalent privacy laws.

Prohibited Provider Conduct

(a) Providers specifically are prohibited from:

Offering services for which they are not duly licensed in the jurisdiction where the Client is located;

Making unverified health claims or guarantees of outcomes;

Failing to disclose conflicts of interest;

Using CurityCare’s client lists or contact information for solicitation outside the Platform;

Diverting Clients away from the Platform for private payment arrangements.

Enforcement Measures

(a) CurityCare reserves the right to monitor Platform use to the extent permitted by law, for purposes of enforcing this AUP.

(b) Violations of the AUP may result in:

Immediate suspension or termination of the User’s account;

Removal of prohibited content;

Referral to appropriate law enforcement or regulatory authorities;

Civil action to recover damages or seek injunctive relief.

User Responsibility for Content

(a) Users are solely responsible for any content they upload, publish, or transmit via the Platform.

(b) CurityCare disclaims all liability for User-generated content, except to the extent required by applicable law.

Reporting Violations

(a) Suspected violations of this AUP should be reported promptly to .

(b) CurityCare will investigate all credible complaints and take appropriate remedial action consistent with applicable laws and contractual obligations.

Governing Laws for AUP Enforcement

U.S. Computer Fraud and Abuse Act (CFAA), 18 U.S.C. § 1030;

CAN-SPAM Act, 15 U.S.C. § 7701 et seq.;

U.S. Telecommunications Act, 47 U.S.C. § 223;

EU Digital Services Act (Regulation (EU) 2022/2065);

HIPAA Privacy and Security Rules, 45 C.F.R. Parts 160 & 164.

All payments for services booked via the Platform must be processed through CurityCare’s secure payment gateway;

Direct payments outside the Platform are strictly prohibited except with CurityCare’s written consent.

Provider credentials, specialty, or licensing level;

Session length and format (video, audio, text-based counseling);

Additional services such as guided meditation materials, ceremonial preparation, or written follow-up summaries.

Provider Compensation

(a) CurityCare shall remit payments to Providers on a biweekly basis, net of applicable Platform fees, taxes, and adjustments for refunds or chargebacks.

(b) Providers must maintain accurate and up-to-date banking information in their account settings.

(c) Failure to maintain accurate payment details may result in delayed disbursements, for which CurityCare shall have no liability.

Platform Service Fees

(a) CurityCare charges a Platform Service Fee on each transaction, which may include:

A fixed percentage of the gross service fee;

Payment processing fees;

Regulatory compliance surcharges (if applicable in the jurisdiction).

(b) The current fee schedule is available in the Provider Dashboard and may be amended upon 30 days’ written notice.

Sales tax;

Value-added tax (VAT);

Goods and services tax (GST);

Self-employment or income taxes.

(b) Where required by law, CurityCare may collect and remit certain taxes on behalf of Providers and will issue appropriate tax documentation.

Refunds and Credits

(a) Refunds to Clients will be issued only in accordance with:

Section 13 (Appointment Scheduling, Cancellations, and Rescheduling);

Applicable consumer protection laws.

(b) Credits, when issued, shall be non-transferable and valid for twelve (12) months from the date of issuance.

Chargebacks

(a) Clients agree to contact CurityCare before initiating any credit card chargeback to allow resolution.

(b) If a chargeback is initiated without prior notice and is found to be unwarranted, the Client’s account may be suspended.

Withholding of funds;

Permanent removal from the Platform.

Currency and Exchange Rates

(a) All payments are processed in U.S. dollars (USD) unless otherwise specified.

(b) For international transactions, the applicable exchange rate shall be determined by the payment processor at the time of settlement.

Late Payments and Collections

(a) If a Client’s payment method fails, CurityCare may:

Retry the charge;

Suspend the Client’s account until payment is made.

(b) Overdue amounts may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law.

Compliance with Financial Laws

(a) CurityCare’s payment processing complies with:

U.S. Electronic Fund Transfer Act (EFTA), 15 U.S.C. § 1693 et seq.;

Payment Card Industry Data Security Standard (PCI DSS);

EU Payment Services Directive 2 (PSD2), Directive (EU) 2015/2366.

(b) All transactions are encrypted and processed via PCI-compliant payment gateways.

Record-Keeping

(a) CurityCare maintains transaction records for at least seven (7) years or as otherwise required by law.

(b) Clients and Providers may request copies of transaction records, subject to administrative fees.

The United States (all 50 states, District of Columbia, and U.S. territories);

The European Union and European Economic Area (EU/EEA);

The United Kingdom;

Other international jurisdictions with relevant data protection laws.

Definitions

(a) Personal Data means any information relating to an identified or identifiable natural person, including wellness-related and spiritual counseling information.

(b) Sensitive Personal Data includes:

Health and wellness data;

Religious or philosophical beliefs;

Mental health records;

Session notes from counseling or spiritual guidance.

(c) Processing means any operation performed on Personal Data, such as collection, storage, use, disclosure, transfer, or deletion.

Full name, contact information, and date of birth;

Payment information (processed by third-party PCI-compliant processors);

Session history and service preferences;

Religious or spiritual affiliation (voluntarily provided).

(b) Provider Data:

Licensing and credential verification documents;

Banking and payment details;

Professional biography, specialties, and service offerings;

Compliance records and disciplinary history.

IP address, device identifiers, browser type;

Session logs, timestamps, and geolocation data (where permitted).

Legal Bases for Processing (Jurisdiction-Specific)

(a) United States:

Processing is based on contractual necessity, consent, and legitimate interests (Restatement (Second) of Contracts § 205, duty of good faith in performance).

Wellness data is protected under HIPAA, 45 C.F.R. Parts 160 & 164, when handled by Covered Entities or Business Associates.

(b) European Union / EEA:

Processing is based on Article 6(1)(a)–(f) GDPR and Article 9(2)(a)–(h) for special category data.

Governed by the UK GDPR and Data Protection Act 2018.

Purposes of Data Processing

(a) To facilitate counseling, mental health, and faith-based services;

(b) To match Clients with appropriate Providers;

(d) To maintain compliance with licensing and legal obligations;

(e) To detect and prevent fraud, abuse, or prohibited conduct;

(f) For internal analytics, service improvement, and marketing (where permitted by law).

HIPAA: Minimum six (6) years from the date of creation or last use;

EU Member States: Typically five (5) to ten (10) years depending on national regulations.

Data Sharing and Disclosure

(a) CurityCare does not sell Personal Data.

(b) Disclosure occurs only:

To Providers engaged by Clients through the Platform;

To payment processors, identity verification services, and cloud hosting providers;

To regulatory bodies in the event of audits or compliance checks;

As required by court orders, subpoenas, or other lawful processes;

In emergency situations to protect life, health, or safety.

Cross-Border Data Transfers

(a) Personal Data may be transferred to and processed in jurisdictions outside the data subject’s home country.

(b) For EU/EEA and UK data subjects, transfers outside the EEA/UK will be conducted under:

Adequacy decisions by the European Commission;

Standard Contractual Clauses (SCCs) approved under GDPR;

UK International Data Transfer Agreements (IDTAs).

Security Measures

(a) CurityCare implements administrative, technical, and physical safeguards, including:

Encryption of data in transit (TLS 1.3) and at rest (AES-256);

Multi-factor authentication for administrative access;

Annual security audits.

(b) Data breaches will be handled in accordance with:

U.S. state breach notification laws;

GDPR Articles 33–34 (72-hour reporting obligation).

HIPAA-Specific Provisions

(a) Where applicable, CurityCare acts as a Business Associate and executes Business Associate Agreements (BAAs) with Covered Entities.

(b) Providers must comply with HIPAA Privacy Rule (45 C.F.R. § 164.500 et seq.) and Security Rule (45 C.F.R. § 164.300 et seq.).

GDPR and International Compliance

(a) CurityCare has appointed a Data Protection Officer (DPO) for EU/EEA operations.

(b) EU and UK residents may lodge complaints with their supervisory authority under Article 77 GDPR.

Contact for Privacy Mattersb

Data Protection Officer (DPO)

CurityCare, LLC

Confidentiality & Non-Disclosure Obligations for Providers

Purpose

(a) The purpose of this section is to ensure that all Providers maintain strict confidentiality regarding Client information, session content, and proprietary materials of CurityCare, LLC.

(b) These obligations apply to all Providers, whether operating under the laws of the United States, the European Union, or any other jurisdiction in which CurityCare operates.

Scope of Confidential Information

(a) "Confidential Information” includes, but is not limited to:

Client Personal Data, Sensitive Personal Data, and wellness information;

Session notes, treatment plans, and religious or spiritual counseling records;

CurityCare’s proprietary algorithms, platform software, business methods, marketing strategies, and pricing structures;

Any internal communications, training materials, or non-public policies;

Trade secrets as defined under the Uniform Trade Secrets Act (UTSA) and equivalent foreign statutes.

Non-Disclosure Obligations

(a) Providers agree:

Not to disclose Confidential Information to any third party without prior written consent from CurityCare, except where required by law;

To use Confidential Information solely for the purpose of providing services through the CurityCare Platform;

To take all reasonable steps to prevent unauthorized access, including encryption and secure storage of digital files;

To immediately notify CurityCare of any unauthorized

disclosure, loss, or breach of Confidential Information.

Legal & Ethical Standards

(a) Providers must comply with:

The Health Insurance Portability and Accountability Act (HIPAA), 45 C.F.R. Parts 160 & 164;

GDPR Article 5(1)(f) (integrity and confidentiality);

Applicable state or national professional licensing confidentiality requirements (e.g., American Counseling

Association Code of Ethics, NASW Code of Ethics).

(b) Breach of confidentiality may also constitute professional misconduct subject to licensing board discipline.

Disclosure without Client consent is permitted only when:

Required by court order, subpoena, or applicable law;

Necessary to prevent imminent risk of serious harm to the Client or others;

Mandated by child abuse, elder abuse, or vulnerable adult reporting statutes;

Disclosure is necessary for CurityCare’s legal defense in the event of a dispute, consistent with minimum necessary standards.

Duration of Obligations

(a) These confidentiality obligations survive:

The termination of the Provider’s relationship with CurityCare;

The conclusion of any counseling or spiritual guidance relationship with a Client.

(b) Providers are bound indefinitely unless the Confidential Information enters the public domain through lawful means not involving the Provider.

Return or Destruction of Confidential Information

(a) Upon termination of their Provider Agreement or upon CurityCare’s request, Providers shall:

Return all physical Confidential Information to CurityCare;

Permanently delete or destroy electronic copies using NIST-approved secure deletion methods.

(b) Providers shall certify in writing that all such materials have been returned or destroyed.

Injunctive relief without the necessity of posting bond;

Specific performance;

Recovery of attorneys’ fees and costs;

Liquidated damages where agreed upon in writing.

Arbitration of Confidentiality Disputes

(a) Any dispute arising under this section shall be resolved pursuant to the Arbitration and Class Action Waiver in Section 33.

(b) The arbitrator shall have authority to grant equitable relief, including injunctive relief and protective orders.

Cross-Border Confidentiality Considerations

(a) For EU/EEA and UK Providers, disclosures across borders must comply with GDPR Chapter V.

(b) For Providers operating in Canada, compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) is required.

Ownership of Platform and Content

(a) CurityCare, LLC ("CurityCare”) is the sole and exclusive owner of all rights, title, and interest in and to the CurityCare Platform, including but not limited to:

The website, mobile applications, and associated software code;

All logos, trade names, trademarks, and service marks;

Proprietary algorithms, databases, and matching systems;

Design elements, text, graphics, photographs, videos, and audio recordings;

All training, marketing,and operational materials.

(b) All such rights are protected by United States copyright law (17 U.S.C. §§ 101–1332), the Lanham Act (15 U.S.C. §§ 1051–1141n), trade secret laws, and applicable foreign intellectual property statutes.

Provider-Generated Content

(a) Providers may create materials, such as session notes, treatment plans, or original faith-based educational content ("Provider Content”), in connection with services rendered through the CurityCare Platform.

(b) Unless otherwise agreed in writing, Providers grant CurityCare a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to:

Use, reproduce, modify, adapt, publish, translate, and distribute Provider Content for the purpose of delivering services to Clients;

Store and maintain such content for compliance and operational purposes.

(c) Providers retain ownership of their original intellectual property but acknowledge CurityCare’s right to use it for operational and promotional purposes consistent with this Agreement.

Client-Generated Content

(a) Clients may submit personal stories, testimonials, or other content ("Client Content”) to the Platform.

(b) By submitting Client Content, the Client grants CurityCare a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such content solely for:

Marketing and promotional purposes (with prior written consent for personal identifiers);

Platform feature improvement and service development.

Restrictions on Use of CurityCare Intellectual Property

(a) Neither Clients nor Providers may:

Copy, reproduce, distribute, or create derivative works from any part of the Platform without written permission;

Reverse engineer, decompile, or disassemble any software;

Use any trademark or trade dress without prior written authorization;

Misappropriate CurityCare trade secrets.

(b) Unauthorized use may result in civil and criminal liability under the Computer Fraud and Abuse Act (18 U.S.C. § 1030) and equivalent foreign statutes.

License Grant to Clients and Providers

(a) Subject to compliance with this Agreement, CurityCare grants each Client and Provider a limited, revocable, non-exclusive, non-transferable license to access and use the Platform solely for lawful purposes and in accordance with these Terms of Service.

(b) This license does not convey any ownership interest in CurityCare’s intellectual property.

Infringement Claims

(a) If any party believes their intellectual property rights have been infringed by content on the Platform, they must provide a written notice in compliance with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512.

(b) CurityCare will investigate and, if necessary, remove or disable access to infringing material.

International Protections

(a) CurityCare’s intellectual property is protected internationally through treaties, including:

The Berne Convention for the Protection of Literary and Artistic Works;

The Madrid Protocol for trademark registration;

The TRIPS Agreement under the World Trade Organization.

(b) Unauthorized use in any jurisdiction will be pursued to the fullest extent permitted by local and international law.

Survival of Rights

The rights and licenses granted, as well as the restrictions imposed under this section, shall survive termination of the Client or Provider’s relationship with CurityCare.

Purpose and Applicability

(a) This Acceptable Use Policy ("AUP”) sets forth the rules governing the use of the CurityCare Platform by Clients and Providers.

(b) The AUP applies to all interactions, content submissions, communications, and activities conducted through the Platform, regardless of geographic location or access device.

General Standards of Conduct

(a) All Platform users agree to:

Act in a manner consistent with applicable laws, professional ethics, and CurityCare’s faith-based mission;

Show respect for diverse religious, spiritual, and cultural perspectives;

Avoid engaging in harassment, discrimination, or abuse of any kind;

Protect the confidentiality of all communications within the Platform.

Additional Provider Responsibilities

(a) Providers must:

Deliver services only within the scope of their professional licensing and religious or spiritual qualifications;

Comply with all mandatory reporting laws, including but not limited to child protection and vulnerable adult statutes;

Avoid dual relationships or conflicts of interest with Clients;

Maintain professional boundaries in accordance with relevant professional codes of ethics (e.g., ACA, NASW, AACC, APA).

Additional Client Responsibilities

(a) Clients must:

Provide accurate and complete information when creating an account or booking a session;

Respect the time, expertise, and boundaries of Providers;

Use the services solely for personal and lawful purposes;

Not record or disseminate any session content without prior written consent from the Provider and CurityCare.

Suspend or terminate accounts for violations of this AUP;

Remove or disable access to content that violates this AUP;

Cooperate with law enforcement authorities and disclose information as required by law;

Pursue civil or criminal legal action against violators.

(b) CurityCare is not obligated to monitor all activity but reserves the right to investigate any suspected violation.

International Considerations

(a) Users accessing the Platform from the European Union, United Kingdom, Canada, or other jurisdictions must also comply with applicable local online conduct and content regulations, including:

UK Online Safety Act 2023;

Canada’s Anti-Spam Legislation (CASL).

(b) Where national laws conflict with this AUP, the stricter standard shall apply to the user’s conduct.

Survival

The restrictions and obligations in this AUP shall survive termination of any account or contractual relationship with CurityCare.

Data Security & HIPAA/GDPR Compliance

EU Law — General Data Protection Regulation (EU) 2016/679 ("GDPR”);

UK Law — Data Protection Act 2018 ("UK GDPR”);

Other International Standards — As applicable to the jurisdictions where services are provided.

CurityCare collects and processes the following categories of information:

(a) Personal Identification Data — Name, address, phone number, email, date of birth;

(b) Wellness and Spiritual Data — Counseling session notes, faith-based practice records, meditation progress, and ceremonial participation logs;

(d) Payment Data — Credit/debit card details, billing address (processed through PCI-DSS compliant payment processors).

Lawful Basis for Processing

(a) Under HIPAA, CurityCare functions as a Business Associate to Providers who are HIPAA Covered Entities, processing Protected Health Information (PHI) under contractual safeguards.

(b) Under GDPR, processing is justified by:

Consent — Explicit, informed consent for processing special category data (Article 9(2)(a));

Performance of a Contract — Necessity to provide Platform services (Article 6(1)(b));

Legal Obligation — Compliance with applicable laws (Article 6(1)(c));

Legitimate Interests — Ensuring Platform security and fraud prevention (Article 6(1)(f)).

CurityCare maintains robust technical and organizational measures, including:

(a) Encryption — AES-256 encryption for data at rest; TLS 1.3 encryption for data in transit;

(b) Access Controls — Multi-factor authentication for Providers and administrative users;

(d) Data Minimization — Collecting only the data necessary to provide services;

(e) Secure Hosting — Use of SOC 2 Type II and ISO 27001 certified hosting environments;

(f) Incident Response Plan — Written procedures for breach detection, containment, and notification within HIPAA’s 60-day breach reporting window and GDPR’s 72-hour reporting window.

The EU-U.S. Data Privacy Framework;

Binding Corporate Rules where applicable.

(b) Transfers from other jurisdictions shall comply with local cross-border transfer requirements.

Data Subject Rights (GDPR/UK GDPR)

Clients in the EU/UK have the right to:

Access their personal data;

Rectify inaccurate information;

Request erasure ("right to be forgotten”);

Restrict or object to processing;

Data portability;

Lodge a complaint with a Data Protection Authority.

Business Associate Agreement (BAA)

(a) Providers who are HIPAA Covered Entities must execute a Business Associate Agreement with CurityCare, specifying permissible uses and disclosures of PHI.

(b) CurityCare shall ensure subcontractors also sign equivalent agreements.

Investigate and assess the scope and nature of the breach;

Notify affected individuals without unreasonable delay;

Report to the U.S. Department of Health and Human Services (HHS) and, where applicable, EU/UK supervisory authorities;

Provide mitigation measures and credit monitoring where appropriate.

Third-Party Services

(a) CurityCare may engage third-party processors (e.g., cloud hosting, analytics providers), but only under written agreements requiring compliance with this section.

Payment Terms and Provider/Client Fee Structure

General Payment Principles

(a) All payments made to or through CurityCare, LLC ("CurityCare”) are subject to the terms of this Section, which governs:

Fees paid by Clients for Services;

Compensation owed to Providers;

CurityCare’s platform service charges;

Applicable taxes and regulatory fees.

(b) By booking a session or registering as a Provider, the user expressly agrees to these Payment Terms as a material part of the contractual relationship with CurityCare.

The Provider is under investigation for a breach of these Terms;

The Client has initiated a dispute or chargeback;

Required tax documentation (e.g., IRS Form W-9 or W-8BEN) has not been provided.

Dispute Resolution for Payments

(a) Clients must notify CurityCare of any payment dispute within ten (10) calendar days of the transaction date.

(b) CurityCare will investigate disputes promptly and, if appropriate, issue credits or refunds.

Third-Party Refund Policy

(a) Client-Initiated Cancellations — Full refunds are available if cancellation occurs at least 24 hours prior to the scheduled session. Cancellations made less than 24 hours in advance may be subject to a cancellation fee of up to 100% of the booking amount.

(b) Provider-Initiated Cancellations — Clients will receive a full refund or the option to reschedule without penalty.

(c) Platform-Initiated Cancellations — CurityCare reserves the right to cancel any booking for operational or compliance reasons; affected Clients will receive a full refund.

Chargebacks and Payment Fraud

(a) In cases of chargeback, reversal, or payment fraud:

The Client may be responsible for all related fees, costs, and damages;

CurityCare reserves the right to suspend or terminate the Client’s account;

CurityCare may pursue legal remedies for recovery of funds.

Payment Processing and Security

(a) All payment processing will be handled by PCI-DSS compliant third-party processors.

(b) CurityCare does not store full credit/debit card numbers but may store transaction records and masked card information as permitted by law.

251. International Payment Considerations

(a) For EU/UK Clients and Providers, all payments shall comply with the Revised Payment Services Directive (PSD2) and applicable strong customer authentication (SCA) requirements.

(b) Cross-border fees, currency conversion fees, and other transaction costs are the responsibility of the party initiating payment.

No Circumvention

(a) Clients and Providers agree not to circumvent the CurityCare Platform by conducting transactions outside of it for services initially introduced via CurityCare.

(b) Violations of this clause may result in immediate account termination and liquidated damages equal to twice the total value of the circumvented transactions.

Recordkeeping

(a) CurityCare will maintain accurate transaction records for at least seven (7) years in compliance with applicable accounting and anti-money laundering (AML) requirements.

(b) Providers and Clients are encouraged to retain their own copies of invoices and receipts for tax purposes.

Ownership of Platform Content

(a) The CurityCare Platform, including but not limited to its design, layout, logos, service marks, trade names, software code, databases, and all textual, visual, and audio content, is the sole and exclusive property of CurityCare, LLC and is protected by U.S. and international intellectual property laws, including the U.S. Copyright Act of 1976 (17 U.S.C. § 101 et seq.), the Lanham Act (15 U.S.C. § 1051 et seq.), and applicable treaties such as the Berne Convention and TRIPS Agreement.

(b) All rights not expressly granted herein are reserved to CurityCare.

Provider-Created Content

(a) Providers may create session notes, guidance materials, meditation scripts, ceremony outlines, and other deliverables in the course of performing services.

(b) Unless otherwise agreed in writing, Providers grant CurityCare a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, adapt, and distribute such content for:

Client access via the Platform;

Training, quality assurance, and platform improvement;

Marketing and promotional purposes in anonymized form.

(c) Providers retain ownership of their underlying intellectual property but agree not to use CurityCare-created branding, frameworks, or proprietary methodologies outside the Platform without prior written consent.

Client-Created Content

(a) Clients may contribute written reflections, feedback, or participation notes during sessions or in the Platform community areas.

(b) By submitting such content, Clients grant CurityCare a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, display, and adapt the content, provided that personal identifiers are removed unless explicit consent is given.

Restrictions on Use

(a) Neither Clients nor Providers may:

Copy, reproduce, or redistribute Platform content except as expressly permitted;

Reverse-engineer, decompile, or disassemble the Platform software;

Use CurityCare’s trademarks, trade dress, or branding without prior written authorization;

Create derivative works from CurityCare’s proprietary materials without express permission.

Infringement Notices (DMCA Compliance)

(a) CurityCare complies with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512, and has designated a Copyright Agent to receive claims of copyright infringement.

(b) Notices must include:

Identification of the copyrighted work claimed to be infringed;

Identification of the infringing material and its location on the Platform;

Contact information of the complaining party;

A good-faith statement that use is unauthorized;

A statement under penalty of perjury that the complaint is accurate;

The signature (physical or electronic) of the complaining party.

International IP Protections

(a) CurityCare’s trademarks and content are protected internationally under treaties including the Madrid Protocol and the WIPO Copyright Treaty.

(b) In jurisdictions without automatic copyright protection, CurityCare may register its works proactively to ensure enforcement rights.

Remedies for Infringement

(a) CurityCare reserves the right to:

Suspend or terminate accounts engaged in infringing activities;

Seek injunctive relief under 17 U.S.C. § 502;

Recover statutory damages under 17 U.S.C. § 504 and attorneys’ fees under 17 U.S.C. § 505;

Pursue equivalent remedies under applicable foreign laws.

Prohibited Conduct

No User may engage in any of the following while using the CurityCare Platform or services:

Unlawful Activities — Engaging in conduct that violates any applicable local, state, federal, or international law, including without limitation:

U.S. federal statutes such as 18 U.S.C. § 1030 (Computer Fraud and Abuse Act);

State professional licensing laws applicable to mental health and counseling;

International privacy regulations (e.g., GDPR, UK DPA 2018).

Hate Speech and Harassment — Posting, transmitting, or promoting material that is defamatory, discriminatory, or intended to harass or threaten individuals or groups based on race, religion, ethnicity, gender, sexual orientation, or other protected categories.

Misinformation and Harmful Advice — Providing content or guidance that is knowingly false, misleading, or likely to cause harm to Clients, particularly in the areas of health, safety, or religious practice.

Intellectual Property Infringement — Uploading, sharing, or distributing any content that infringes upon the intellectual property rights of others.

Platform Circumvention — Attempting to bypass CurityCare’s booking and payment systems to avoid applicable fees

Technical Interference — Introducing viruses, malware, or other code intended to disrupt the functionality of the Platform or gain unauthorized access to systems or data.

Impersonation and Misrepresentation — Misrepresenting one’s identity, credentials, licensing status, or affiliation with CurityCare or any religious or professional organization.

Special Considerations for Faith-Based Content

(a) CurityCare supports diverse religious and spiritual perspectives and does not endorse the doctrinal correctness of any Provider’s content.

(b) Providers must:

Clearly disclose the faith tradition or belief framework from which they are offering guidance;

Avoid disparaging other religious traditions in a manner inconsistent with CurityCare’s inclusive mission.

User Responsibilities

(a) All Users are responsible for ensuring their own compliance with applicable professional licensing requirements in their jurisdiction.

(b) Providers must maintain all necessary state, federal, or international licenses required to deliver counseling, mental health, or ceremonial services.

Enforcement

(a) CurityCare reserves the right to monitor User activity to ensure compliance with the AUP.

(b) Violations may result in:

Temporary suspension of account;

Permanent termination;

Reporting to relevant licensing boards or law enforcement;

Civil or criminal liability where applicable.

Dispute Resolution, Arbitration, and Class Action Waiver

Governing Principles

(a) CurityCare is committed to resolving disputes quickly, efficiently, and in good faith.

(b) To the fullest extent permitted by applicable law, all disputes, claims, or controversies arising out of or relating to these Terms, the CurityCare Platform, or the services provided ("Disputes”) shall be resolved through binding arbitration, rather than in court, except as otherwise provided in this Section.

Federal Arbitration Act Applicability (U.S. Users)

(a) This arbitration provision is governed by the Federal Arbitration Act ("FAA”), 9 U.S.C. §§ 1–16.

(b) The FAA preempts state laws to the extent such laws conflict with the enforceability of arbitration agreements.

(c) Any arbitration conducted under this section shall be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable, and as modified by this Section.

Arbitration Procedures (U.S.)

(a) The arbitration shall be conducted by a single neutral arbitrator.

(b) The seat of arbitration shall be Seattle, Washington, USA, unless both parties agree otherwise.

(d) The arbitrator shall apply the substantive laws of the State of Washington, without regard to its conflict-of-laws rules, except that the FAA shall govern the interpretation and enforcement of this arbitration agreement.

International and EU Users

(a) For disputes involving Users in the European Union or outside the United States, arbitration shall be administered under the Rules of Arbitration of the International Chamber of Commerce (ICC).

(b) The seat of arbitration for non-U.S. disputes shall be Brussels, Belgium, reflecting CurityCare’s role as a global hub ("kyil-khor”) for faith-based services.

Mediation Option

(a) Before initiating arbitration, either party may request non-binding mediation.

(b) Mediation shall be conducted under the AAA Mediation Rules (U.S.) or equivalent rules under the ICC Mediation Rules (EU/International).

Class Action Waiver

(a) No Class Actions — Both you and CurityCare agree that any proceedings to resolve any Dispute will be conducted solely on an individual basis and not as a plaintiff or class member in any purported class or representative action.

(b) The arbitrator shall not have authority to consolidate claims or preside over any form of a representative or class proceeding.

Injunctive Relief Exception

(a) Notwithstanding the above, either party may seek temporary, preliminary, or permanent injunctive relief in a court of competent jurisdiction for matters involving intellectual property rights or unauthorized access to the Platform.

Costs and Fees

(a) Each party shall bear its own costs and attorneys’ fees, unless the arbitrator awards otherwise in accordance with applicable law.

(b) The prevailing party may recover arbitration costs if permitted under law or rule.

Confidentiality of Proceedings

(a) All arbitration and mediation proceedings shall be confidential and not disclosed to third parties, except as required by law or for purposes of enforcing or challenging the arbitration award.

Categories of Information Collected

(a) Personal Information — Any information that identifies, relates to, describes, or is capable of being associated with a particular individual, including but not limited to:

Name, mailing address, and email address;

Phone number;

Government-issued identification numbers (where required for verification);

Payment and billing information (excluding full credit card numbers, which are processed by PCI-DSS-compliant third-party processors).

(b) Wellness and Health-Related Information — Information provided voluntarily by Clients in connection with the delivery of services, such as:

Mental health history;

Religious affiliation;

Spiritual practices;

Counseling session notes;

Meditation or therapy progress logs.

IP address;

Browser type and version;

Device type and operating system;

Geolocation data;

Platform usage logs and analytics.

Sources of Information

(a) Directly from Users — Through account registration, profile updates, service bookings, and communications with CurityCare.

(b) Automatically — Through cookies, tracking technologies, and system logs.

(c) Third Parties — Identity verification providers, payment processors, and other service providers necessary to deliver CurityCare’s services.

Lawful Basis for Processing (GDPR)

(a) Consent — When Users provide explicit consent for CurityCare to process personal data (Article 6(1)(a) GDPR).

(b) Contractual Necessity — When processing is necessary for the performance of a contract with the User (Article 6(1)(b) GDPR).

(d) Legitimate Interests — When processing is necessary for the legitimate interests pursued by CurityCare or a third party, except where overridden by the interests or rights of the data subject (Article 6(1)(f) GDPR).

How We Use Information

CurityCare uses collected information for:

Delivering and improving the Platform and Services;

Facilitating communications between Clients and Providers;

Processing payments and issuing receipts;

Conducting identity verification and fraud prevention;

Complying with professional licensing and recordkeeping requirements;

Sending administrative notifications and policy updates;

Conducting aggregated analytics to improve service offerings;

Complying with applicable laws and regulations.

User Rights (U.S. and International)

(a) Access — Users may request access to personal data we hold.

(b) Correction — Users may request correction of inaccurate data.

(d) Data Portability — Where applicable, Users may request a copy of their personal data in a structured, machine-readable format.

(e) Opt-Out — Users may opt out of marketing communications at any time.

288. Security Measures

CurityCare implements administrative, technical, and physical safeguards consistent with industry standards, including:

TLS encryption for data in transit;

Regular security audits;

Limited employee access to personal data.

Cookies and Tracking

(a) CurityCare uses cookies and similar technologies to improve the user experience and analyze usage trends.

(b) Users may manage cookie preferences via their browser settings.

Children’s Privacy

(a) The Platform is not directed to children under the age of 13 in the U.S., or under 16 in the EU, without parental consent.

(b) Any accounts found to be in violation of this provision will be terminated, and associated data deleted in accordance with COPPA and GDPR.

Changes to This Policy

(a) CurityCare reserves the right to update this Policy at any time.

(b) Updates will be communicated via the Platform and email to registered Users.

Non-Disclosure Agreement (NDA) for Service Providers

Client personal data, wellness records, and religious affiliations;

CurityCare’s proprietary business models, technical systems, algorithms, and pricing structures;

Internal training materials and guidelines;

Non-public financial, operational, or strategic information of CurityCare.

(b) Confidential Information does not include information that:

Is or becomes generally available to the public without breach of this NDA;

Is lawfully obtained from a third party without restriction;

Is independently developed without reference to or use of CurityCare’s Confidential Information.

Where required by law, regulation, subpoena, or court order; or

To legal or financial advisors bound by professional confidentiality obligations.

(b) Any disclosure required by law shall be preceded, to the extent legally permissible, by prompt written notice to CurityCare to allow for protective measures.

Use Restrictions

(a) Providers shall use Confidential Information solely for the purpose of delivering services booked through the CurityCare Platform.

(b) Confidential Information shall not be used for personal gain, competitive advantage, or for any purpose that would be detrimental to CurityCare, its Clients, or other Providers.

Protection of Information

(a) Providers shall implement and maintain administrative, technical, and physical safeguards to protect Confidential Information from unauthorized access, disclosure, alteration, or destruction.

(b) These safeguards must be consistent with industry standards and, where applicable, comply with HIPAA (45 C.F.R. Parts 160 & 164) for health-related data, and GDPR security obligations (Articles 32–34).

Return or Destruction of Materials

(a) Upon termination of their Provider status or upon CurityCare’s written request, Providers shall promptly return or securely destroy all Confidential Information in their possession, custody, or control.

(b) Providers shall certify in writing that such destruction or return has been completed.

Remedies

(a) Providers acknowledge that any unauthorized use or disclosure of Confidential Information may cause irreparable harm to CurityCare and/or Clients.

(b) CurityCare shall be entitled to seek injunctive relief, specific performance, and any other remedies available at law or in equity, without the necessity of posting bond.

Relationship to Other Obligations

(a) This NDA is in addition to, and not in lieu of, any professional confidentiality obligations imposed by applicable licensing authorities, codes of ethics, or religious doctrine.

(b) In the event of conflict between this NDA and a statutory confidentiality requirement, the stricter obligation shall apply.

Governing Law and Jurisdiction

(a) For U.S. Providers, this NDA is governed by the laws of the State of Washington, without regard to conflict-of-laws rules, and subject to the arbitration requirements set forth in Section 29.

(b) For EU/International Providers, this NDA shall be governed by the laws of Belgium, with disputes resolved under the ICC Rules of Arbitration in Brussels.

Client and Provider Content

(a) Client Content — Clients retain ownership of any personal data, wellness notes, religious history, and related content they upload to or share through the Platform, subject to the license granted to CurityCare under Section 32.4.

(b) Provider Content — Providers retain ownership of any original materials they develop independently, provided that such materials:

Do not incorporate or rely on CurityCare Confidential Information; and

Are not created as part of commissioned work for CurityCare.

Work Made for Hire and Assignments

(a) All materials, writings, recordings, scripts, rituals, or other works created by Providers at the specific request of CurityCare for use on the Platform shall be deemed "works made for hire” as defined under 17 U.S.C. § 101, and ownership shall vest in CurityCare.

(b) To the extent that any such work does not qualify as a work made for hire, the Provider hereby assigns, transfers, and conveys all right, title, and interest in such work to CurityCare.

License Grants

(a) From Clients and Providers to CurityCare — By submitting, uploading, or posting content to the Platform, Users grant CurityCare a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, distribute, prepare derivative works of, display, and perform such content solely for the purpose of operating, improving, and marketing the Platform and Services.

(b) This license terminates when the User removes or deletes their content from the Platform, except where retention is required for legal or regulatory purposes.

Trademarks

(a) "CurityCare,” the CurityCare logo, and all related names, logos, product and service names, designs, and slogans are trademarks of CurityCare, LLC or its affiliates.

(b) Users may not use such marks without prior written permission from CurityCare, except for descriptive uses permitted under applicable law (e.g., nominative fair use under New Kids on the Block v. News America Publishing, Inc., 971 F.2d 302 (9th Cir. 1992)).

Copy, modify, distribute, sell, or lease any part of the Platform;

Reverse engineer or attempt to extract source code from the Platform software;

Remove or alter any copyright, trademark, or other proprietary notices;

Create derivative works from Platform IP without CurityCare’s express written consent.

(b) Any unauthorized use of Platform IP may constitute infringement under federal and international laws, including the U.S. Copyright Act (17 U.S.C. § 101 et seq.) and the Lanham Act (15 U.S.C. § 1051 et seq.).

Infringement Claims and DMCA Policy

(a) CurityCare complies with the Digital Millennium Copyright Act ("DMCA”), 17 U.S.C. § 512, and maintains a process for receiving and responding to copyright infringement notices.

(b) Notices of alleged infringement must include:

Identification of the copyrighted work claimed to have been infringed;

Identification of the material that is claimed to be infringing;

Contact information for the complaining party;

A statement of good faith belief that use of the material is not authorized;

A statement under penalty of perjury that the information is accurate; and

A physical or electronic signature of the copyright owner or authorized agent.

Email: legal@curitycare.com

Mail: CurityCare, LLC – Legal Department,

13417 NE 20th St, Suite 200, Bellevue, WA 98005

International IP Protection

(a) CurityCare’s IP rights are protected globally through treaties including the Berne Convention for the Protection of Literary and Artistic Works and the Madrid Protocol for trademarks.

(b) Unauthorized use in any jurisdiction may be prosecuted under local laws consistent with such treaties.

The well-being of other Users;

The reputation of CurityCare; or

The proper functioning of the Platform.

Prohibited Uses

Users shall not, whether directly or indirectly:

(a) Illegal Activities — Engage in, promote, or facilitate any activity that is unlawful under applicable U.S., state, local, or international law, including but not limited to:

Fraud, money laundering, or terrorist financing (18 U.S.C. §§ 1956–1957);

Distribution of illegal substances;

Unauthorized practice of medicine or counseling in violation of state licensing laws.

(b) Hate Speech and Discrimination — Post, transmit, or otherwise make available any content that:

Promotes or incites violence, hatred, or discrimination against individuals or groups based on religion, ethnicity, race, gender, sexual orientation, disability, or other protected characteristic under federal, state, or international human rights laws;

Violates the International Covenant on Civil and Political Rights, Articles 18 and 20.

(c) Harassment and Abuse — Harass, stalk, threaten, or abuse any other User or CurityCare staff, including but not limited to repeated unwanted contact or disparagement.

(d) Misrepresentation — Impersonate any person or entity, including a CurityCare representative, or misrepresent your affiliation with any person or entity.

(e) Security Violations — Attempt to:

Gain unauthorized access to any part of the Platform or related systems;

Probe, scan, or test the vulnerability of the Platform without prior written consent;

Circumvent any security measures implemented by

CurityCare.

(f) Spam and Malicious Content — Distribute unsolicited messages, advertising, or promotional materials; upload or transmit viruses, malware, or other harmful code.

(g) Data Scraping or Harvesting — Use any automated means (including bots, crawlers, or scrapers) to access the Platform or collect information without CurityCare’s prior written consent.

Faith-Based and Therapeutic Conduct Standards

(a) All counseling, mental health, meditation, yoga, chaplaincy, ceremonial, and ritual services offered through CurityCare must be delivered in a professional, respectful, and lawful manner, consistent with:

State licensing regulations for mental health and counseling professionals;

Religious non-discrimination principles; and

Applicable codes of ethics for the relevant profession or faith tradition.

(b) Providers shall not:

Engage in coercive proselytization or exploit the spiritual vulnerability of Clients;

Provide medical diagnoses or prescriptions unless duly licensed and permitted by law;

Offer services outside their area of competence or licensure.

A detailed description of the alleged violation;

Supporting evidence (e.g., screenshots, communication logs);

Contact information of the reporting party.

Remove or disable access to any content that violates this AUP;

Suspend or terminate accounts involved in violations;

Report violations to law enforcement or regulatory agencies as required by law.

(b) Repeated or egregious violations may result in permanent account termination.

Preservation of Rights

(a) Nothing in this AUP shall be construed to limit CurityCare’s right to enforce its Terms of Service or pursue all available legal and equitable remedies.

(b) CurityCare’s decision not to enforce any provision of this AUP shall not constitute a waiver of that provision or any other rights.

Payment Terms and Fee Policies

Client Fees

(a) Clients agree to pay the fees displayed at the time of booking a service. Fees may vary depending on:

The nature of the service (e.g., meditation session, yoga class, chaplain service, cognitive therapy, ceremonial ritual);

The Provider’s qualifications, licensure, and experience;

Session duration and format (in-person, virtual, group, or one-on-one).

(b) All fees are payable in U.S. Dollars (USD) unless otherwise stated. Where applicable, currency conversion rates will be determined by CurityCare’s payment processor.

Payment Methods

(a) CurityCare accepts payments via credit card, debit card, ACH transfer, PayPal, and other secure electronic methods.

(b) Payment processing is facilitated through third-party payment processors compliant with the Payment Card Industry Data Security Standard (PCI DSS) and other applicable financial regulations.

Disputes and Chargebacks

(a) Any payment disputes must be submitted to billing@curitycare.com within 14 calendar days of the transaction date, accompanied by a detailed explanation and supporting evidence.

(b) Clients agree not to initiate chargebacks without first engaging CurityCare’s internal dispute resolution process.

The Client failed to attend a scheduled session without timely cancellation;

The service was substantially performed;

The cancellation falls outside of CurityCare’s stated cancellation policy.

Late Payments

(a) Payments not received when due shall be subject to interest at the lesser of 1.5% per month or the maximum rate permitted by applicable law.

(b) CurityCare may suspend or terminate access to the Platform for non-payment.

Anti-Money Laundering (AML) Compliance

(a) CurityCare complies with the Bank Secrecy Act (31 U.S.C. § 5311 et seq.), the USA PATRIOT Act, and other applicable anti-money laundering regulations.

(b) Transactions may be monitored and reported to the Financial Crimes Enforcement Network (FinCEN) or similar agencies in other jurisdictions if suspicious activity is detected.

No Cash Transactions

(a) All payments must be processed through the CurityCare Platform.

(b) Direct cash transactions between Clients and Providers in connection with CurityCare services are prohibited and may result in immediate termination.

Arbitration and Dispute Resolution

Purpose and Intent

(a) This section sets forth the exclusive process for resolving any disputes, claims, or controversies arising out of or relating to:

This Terms of Service agreement;

The use of the CurityCare Platform; or

Any services facilitated or provided through the Platform.

(b) The intent of this clause is to provide a fair, efficient, and cost-effective mechanism for dispute resolution while avoiding the expense and delay of litigation in public courts.

Agreement to Arbitrate

(a) By accessing or using the CurityCare Platform, both Clients and Providers agree that any dispute, claim, or controversy shall be resolved exclusively by binding arbitration, except that either party may seek provisional injunctive relief in aid of arbitration from a court of competent jurisdiction.

(b) This agreement to arbitrate is governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1–16, and is intended to be interpreted broadly.

Arbitration Rules and Procedures

(a) For disputes involving parties domiciled in the United States, arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable.

(b) For disputes involving parties domiciled in the European Union or other international jurisdictions, arbitration shall be administered by the International Chamber of Commerce (ICC), seated in Brussels, Belgium, and conducted in English unless otherwise mutually agreed.

(c) Arbitrations shall be conducted by a single arbitrator, unless the parties agree to three, and shall follow the expedited or standard procedures as deemed appropriate given the complexity of the matter.

Governing Law

(a) For disputes involving U.S.-based parties, the arbitration shall apply the laws of the State of Delaware, without regard to conflict-of-laws principles, except where federal law preempts.

(b) For disputes involving EU or other international parties, the arbitration shall apply the laws of Belgium as the seat of arbitration, subject to mandatory consumer protection laws of the jurisdiction in which the consumer resides.

Arbitration Costs

(a) CurityCare shall pay the initial filing fees for arbitration to the extent required under applicable arbitration rules; however, the arbitrator may apportion costs and fees as part of the award.

(b) Each party shall be responsible for their own attorneys’ fees, unless the arbitrator awards such fees under applicable law.

Injunctive Relief and Interim Measures

(a) Nothing in this clause prevents either party from seeking temporary or preliminary injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

(b) Interim measures ordered by the arbitrator shall be binding and enforceable in any court with jurisdiction.

Confidentiality of Arbitration

(a) All aspects of the arbitration, including the hearing, evidence, and award, shall be strictly confidential, except as necessary to enforce the award or as otherwise required by law.

(b) The arbitrator and parties shall execute any additional confidentiality undertakings reasonably required by the other party.

Finality of Award

(a) The arbitrator’s award shall be final and binding upon the parties and may be entered as a judgment in any court of competent jurisdiction.

(b) The grounds for judicial review of an arbitration award are strictly limited under the FAA and applicable international arbitration laws.

Waiver of Jury Trial

By agreeing to arbitration, the parties knowingly and voluntarily waive any right to a trial by jury in any legal proceeding related to these Terms or the Platform.

Clients (end-users of CurityCare’s services);

Providers (licensed counselors, spiritual advisors, and other service providers using the Platform);

Visitors (individuals who access CurityCare’s website or applications without creating an account).

Data Collection

(a) Types of Data Collected:

Personal Identifiers: Name, date of birth, contact information, billing information, and government-issued identification where necessary for identity verification.

Wellness Data: Information relating to the Client’s faith affiliation, spiritual needs, counseling topics, and other wellness-related information voluntarily provided.

Service Interaction Data: Appointment history, communication records, feedback, and usage metrics.

Technical Data: IP addresses, device identifiers, browser types, operating systems, geolocation data, and cookies.

(b) Special Categories of Data: CurityCare may process sensitive personal data such as religious beliefs or mental health information only with explicit consent in accordance with applicable privacy laws, including:

U.S. HIPAA (Health Insurance Portability and Accountability Act, 45 C.F.R. Parts 160 & 164);

EU GDPR (General Data Protection Regulation, Regulation (EU) 2016/679, Art. 9);

UK Data Protection Act 2018; and

Other applicable international data protection laws.

Basis for Processing

CurityCare processes personal data on the following legal bases:

(a) Consent (GDPR Art. 6(1)(a)): For processing wellness data or sending marketing communications;

(b) Contract Performance (GDPR Art. 6(1)(b)): To fulfill our obligations under the Terms of Service;

(d) Legitimate Interests (GDPR Art. 6(1)(f)): For fraud prevention, service improvement, and security.

Use of Data

CurityCare uses collected data to:

Provide, personalize, and improve the Platform and services;

Facilitate secure communication between Clients and Providers;

Process payments and billing;

Comply with legal and regulatory requirements;

Conduct research and analytics (in aggregated or anonymized form);

Enforce our Terms of Service and prevent fraud or abuse.

EU Standard Contractual Clauses (SCCs) (2021/914/EU);

UK International Data Transfer Agreement (IDTA).

(b) U.S. Users: Data may be transferred to and stored in the United States, where privacy laws may differ from those in the user’s jurisdiction.

Account information: until account closure + 7 years;

Transaction records: minimum of 7 years for tax and accounting compliance;

Wellness data: deleted or anonymized within 2 years after service completion, unless required by law to retain longer.

Data Security

(a) CurityCare implements administrative, technical, and physical safeguards to protect personal data, including:

Encryption in transit (TLS 1.2+) and at rest (AES-256);

Regular ***** testing and security audits.

(b) No security system is impenetrable, and CurityCare cannot guarantee absolute data security.

Right to know, delete, and opt-out of certain data uses;

Right to non-discrimination for exercising privacy rights.

(b) EU/UK Residents: GDPR rights include:

Right of access (Art. 15);

Right to rectification (Art. 16);

Right to erasure (Art. 17);

Right to data portability (Art. 20);

Right to object (Art. 21).

(c) Requests to exercise these rights should be sent to privacy@curitycare.com and will be processed within statutory deadlines.

Changes to the Privacy Policy

CurityCare may update this Privacy Policy periodically, with changes posted on the Platform and the "last updated” date revised accordingly. Continued use of the Platform after changes take effect constitutes acceptance of the revised Policy.

Contact Information

For questions, concerns, or complaints regarding this Privacy Policy, contact:

CurityCare Privacy Officer

Email:

Non-Disclosure Agreement (NDA) for Providers

Definition of Confidential Information

For purposes of this NDA, "Confidential Information” means any data or information disclosed by CurityCare, a Client, or another Provider that is not generally known to the public, including but not limited to:

(a) Client Data: All personal, wellness, faith affiliation, counseling notes, therapy session records, PHI as defined by HIPAA (45 C.F.R. § 160.103), and other sensitive personal data.

(b) CurityCare Business Information: Trade secrets, business models, internal policies, algorithms, software code, and platform architecture.

(c) Religious and Ritual Practices: Information relating to specific spiritual traditions, ceremonies, or counseling approaches disclosed under conditions of confidentiality.

Obligations of Provider

The Provider agrees to:

(a) Hold all Confidential Information in strict confidence, using at least the same degree of care as used to protect their own confidential information, but in no event less than a reasonable standard of care;

(b) Use Confidential Information solely for the purpose of providing services through the Platform and not for personal gain or competitive advantage;

(c) Not disclose Confidential Information to any third party without prior written consent from CurityCare or the Client, except where disclosure is required by law;

(d) Implement administrative, technical, and physical safeguards to prevent unauthorized access, as required under HIPAA and applicable state privacy laws;

(e) Return or securely destroy all Confidential Information upon termination of their Provider account or at CurityCare’s request.

Exceptions

Confidential Information shall not include information that:

(a) Is or becomes public through no breach of this NDA;

(b) Was lawfully in the Provider’s possession prior to disclosure by CurityCare or a Client;

(d) Is independently developed by the Provider without use of or reference to the Confidential Information.

Legal Compliance and Mandatory Disclosure

If the Provider is required by law, subpoena, or court order to disclose any Confidential Information, they must:

(a) Promptly notify CurityCare in writing, unless prohibited by law;

(b) Cooperate with CurityCare in seeking a protective order or other appropriate remedy; and

(c) Disclose only the portion of Confidential Information legally required, marking it as "Confidential” where applicable.

Duration of Confidentiality Obligations

The confidentiality obligations under this NDA shall survive:

(a) The termination of the Provider’s account;

(b) The termination or expiration of the Terms of Service; and

HIPAA and International Compliance

(a) U.S. Providers must comply with the HIPAA Privacy Rule (45 C.F.R. Parts 160 & 164) and any state medical privacy laws.

(b) EU/UK Providers must comply with the GDPR (Regulation (EU) 2016/679) and the UK Data Protection Act 2018, including provisions on the processing of special categories of data (GDPR Art. 9).

(c) International Providers must comply with any applicable foreign privacy or medical confidentiality laws in their jurisdiction.

No License

Nothing in this NDA shall be construed as granting any license or rights to the Provider in any Confidential Information except as expressly set forth herein.

Governing Law for NDA

For Providers located in the United States, this NDA shall be governed by the laws of the State of Washington, without regard to conflicts of law principles, and subject to the arbitration provisions set forth in Section 29 of these Terms of Service.

For Providers outside the United States, this NDA shall be governed by the laws of Belgium, subject to the arbitration provisions applicable to international disputes.

Ownership of Client Data and Provider Work Product

(a) Client Data: Clients retain ownership of their personal data and content provided to the Platform, subject to CurityCare’s limited license to process such data for the purpose of delivering services, as described in the Privacy Policy.

(b) Provider Work Product: Providers retain ownership of original counseling materials, religious scripts, or ritual texts they create outside the Platform. However, any materials uploaded to or created within the Platform for use with Clients grant CurityCare a perpetual, worldwide, royalty-free, sublicensable license to use, display, reproduce, and distribute such materials as necessary to operate the Platform.

(c) Providers must ensure they have all necessary rights to upload or share any content and that such content does not infringe upon third-party intellectual property rights.

License to Clients and Providers

(a) Subject to these Terms of Service, CurityCare grants Clients and Providers a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal or professional faith-based counseling and wellness services.

(b) This license does not permit:

Copying, modifying, or creating derivative works of the Platform Content without prior written consent;

Reverse engineering, decompiling, or disassembling the Platform;

Selling, renting, leasing, or sublicensing Platform Content; or

Using the Platform for any purpose not expressly authorized in these Terms.

Feedback

(a) If a Client or Provider submits feedback, suggestions, or ideas regarding the Platform, CurityCare may use such feedback for any lawful purpose without obligation to compensate the submitting party.

(b) All feedback becomes the sole and exclusive property of CurityCare upon submission.

Users shall not engage in, encourage, or facilitate any of the following activities while using the Platform:

(a) Unlawful Activities

Violating any applicable local, state, national, or international law or regulation, including but not limited to telehealth regulations, counseling licensure laws, and religious freedom protections.

Engaging in fraudulent, deceptive, or misleading practices, including misrepresentation of credentials.

(b) Harassment or Abuse

Harassing, threatening, defaming, or discriminating against other Users based on religion, race, ethnicity, gender, sexual orientation, disability, or any other protected status under law (see 42 U.S.C. § 2000e).

Engaging in sexual misconduct, exploitation, or solicitation.

Using the Platform to advertise, solicit, or sell goods or services unrelated to CurityCare-approved services.

Operating as a competing service platform without prior written consent.

(d) Security Violations

Attempting to gain unauthorized access to the Platform, accounts, or networks.

Introducing viruses, malware, or other harmful code.

Conducting ***** tests or security scans without written authorization.

(e) Infringement of Intellectual Property Rights

Uploading or distributing content that infringes upon copyrights, trademarks, trade secrets, or other proprietary rights.

Circumventing technological measures protecting Platform Content.

(f) Misuse of Faith-Based Content

Mocking, defaming, or distorting religious texts, symbols, or rituals in a manner inconsistent with CurityCare’s interfaith respect policy.

Misrepresenting affiliation with a religious or spiritual organization.

Monitoring and Enforcement

(a) CurityCare reserves the right, but does not assume the obligation, to monitor any activity and content on the Platform to ensure compliance with this AUP.

(b) Violations may result in immediate suspension or termination of accounts, removal of content, and legal action.

Cooperation with Law Enforcement

CurityCare will cooperate with law enforcement authorities and legal processes to the fullest extent permitted by law, including disclosure of relevant information about Users suspected of violating laws or this AUP.

International Application

(a) This AUP applies to all Users regardless of geographic location.

(b) Users in the European Union, UK, and other jurisdictions with specific speech and privacy protections must comply with local laws, including but not limited to the EU Charter of Fundamental Rights (Articles 8 and 10) and GDPR provisions governing processing of personal data in online platforms.

No Waiver

Failure to enforce any provision of this AUP shall not constitute a waiver of that provision or any other provision of these Terms of Service.

Termination and Suspension

Termination by CurityCare

(a) Immediate Termination for Cause – CurityCare, LLC may terminate or suspend a User’s account, access to the Platform, and any agreements with immediate effect, without prior notice, if CurityCare determines, in its sole discretion, that:

The User has materially breached these Terms of Service or any incorporated policy, including the Acceptable Use Policy (Section 39);

The User has engaged in unlawful conduct, fraudulent activity, or conduct likely to harm the safety, integrity, or reputation of the Platform;

A Provider has lost, had suspended, or allowed to lapse any professional license required to provide services via the Platform;

Continuing the relationship would violate applicable law, a court order, or a regulatory directive.

(b) Termination for Convenience – CurityCare may terminate any account or agreement with thirty (30) days’ written notice, for any reason or no reason, subject to applicable laws.

Termination by the User

(a) A User may terminate their account at any time by providing written notice through the account closure tools on the Platform or by contacting CurityCare Customer Support.

(b) Termination by a Provider will not relieve that Provider of obligations to complete any active sessions with Clients unless otherwise agreed in writing.

Effect of Termination

(a) Upon termination, the User’s license to access and use the Platform shall immediately cease.

(b) CurityCare will disable account access, and all Platform Content associated with the User may be deleted, archived, or retained in accordance with Section 36 (Privacy Policy) and applicable data retention laws, including HIPAA and GDPR.

(c) Termination does not relieve any party of obligations that expressly or by nature survive termination, including payment obligations, confidentiality, and indemnification provisions.

Suspension

(a) Grounds for Suspension – CurityCare may suspend an account or access to certain Platform features in lieu of or prior to termination if:

The User is under investigation for violation of the Terms;

A payment dispute exists;

Compliance review is required to ensure adherence to licensing and telehealth laws.

(b) Suspension will generally remain in effect until the investigation or compliance review is complete.

Post-Termination Obligations

(a) Final Payments – Clients remain liable for payment of services rendered prior to the effective date of termination; Providers remain entitled to payment for completed sessions, subject to any offsets for damages or refunds.

(b) Return or Deletion of Confidential Information – Users must return or permanently delete any confidential information or Platform Content in their possession, except where retention is required by law.

(c) Continuing Confidentiality – Sections concerning intellectual property, confidentiality, dispute resolution, and governing law shall survive termination.

Dispute Over Termination

(a) Any dispute over termination or suspension shall be resolved exclusively under the arbitration provisions of this agreement.

(b) Pending arbitration, CurityCare shall not be obligated to reinstate account access.

International Users

(a) For Users located in the European Union, termination will be effected in compliance with Directive (EU) 2019/770 on digital content and services, including provision of any data export rights before closure.

(b) Users in jurisdictions with mandatory notice periods will be provided with the minimum legally required notice.

Definition

For purposes of this Agreement, a "Force Majeure Event” means any event, circumstance, or cause beyond the reasonable control of CurityCare, LLC or the User, including, without limitation:

(a) Acts of God, natural disasters, earthquakes, floods, hurricanes, wildfires, or other extreme weather events;

(b) Epidemics, pandemics, public health emergencies, or quarantine restrictions, including but not limited to those declared under the Public Health Service Act¹⁰⁵;

(d) Strikes, lockouts, labor disputes, or industrial disturbances;

(e) Failures or interruptions of utilities, telecommunication systems, internet service providers, or hosting facilities;

(f) Governmental actions, embargoes, sanctions, changes in law or regulation, or revocation of licenses not caused by the affected party;

(g) Other events or circumstances beyond the reasonable control of the party claiming relief, provided that such events are not the result of the claiming party’s negligence or willful misconduct.

Effect of Force Majeure

(a) Neither party shall be liable for delay in performance or failure to perform any obligation under this Agreement if such delay or failure is caused by a Force Majeure Event.

(b) The affected party’s obligations shall be suspended for the duration of the Force Majeure Event, and the time for performance shall be extended accordingly.

Notice Requirements

(a) A party claiming the benefit of this Section must:

Provide written notice to the other party as soon as reasonably practicable after the occurrence of the Force Majeure Event;

Describe the nature of the event, its expected duration, and the steps being taken to mitigate its effects.

(b) Failure to provide timely notice may limit the claiming party’s rights under this Section.

Mitigation of Effects

(a) The affected party shall use all reasonable efforts to mitigate the effects of the Force Majeure Event and resume performance of its obligations as soon as practicable.

(b) CurityCare shall, where feasible, implement contingency measures such as alternative service delivery methods (e.g., asynchronous messaging, recorded sessions) to continue providing faith-based counseling and telehealth support.

Extended Force Majeure

(a) If a Force Majeure Event continues for more than sixty (60) consecutive days, either party may terminate this Agreement without liability by providing written notice to the other party.

(b) In the event of such termination, CurityCare will refund any prepaid amounts for services not yet rendered, less any applicable offsets.

Governing Law Considerations

(a) U.S. Users – This Section is interpreted consistently with doctrines of impossibility, impracticability, and frustration of purpose under U.S. common law¹⁰⁶.

(b) EU Users – This Section aligns with the principles set forth in Article 7.1.7 of the UNIDROIT Principles of International Commercial Contracts and Article 79 of the United Nations Convention on Contracts for the International Sale of Goods (CISG)¹⁰⁷.

Limitation of Liability

General Limitation

To the maximum extent permitted by applicable law, in no event shall CurityCare, LLC, its affiliates, officers, directors, employees, agents, licensors, successors, or assigns (collectively, the "CurityCare Parties”) be liable to any Client, Provider, or other User ("User”) for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to:

(a) Loss of profits, revenue, goodwill, or anticipated savings;

(b) Loss of data or content, including wellness or session records;

(c) Loss resulting from interruption of business, inability to access services, or failure of telecommunications or internet systems;

(d) Emotional distress, pain and suffering, or reputational damage;

(e) Damages related to disputes between Users, including between Client and Provider.

This limitation applies whether based on contract, tort (including negligence), strict liability, statute, or any other legal theory, even if CurityCare has been advised of the possibility of such damages.

Cap on Direct Damages

Notwithstanding any provision to the contrary, CurityCare’s aggregate liability for direct damages arising out of or in connection with these Terms of Service, the Platform, or the Services, whether in contract, tort, or otherwise, shall not exceed:

(a) For Clients – The greater of (i) the total amount paid by the Client to CurityCare in the six (6) months immediately preceding the event giving rise to the claim, or (ii) USD $500.

(b) For Providers – The greater of (i) the total amount of service fees paid by CurityCare to the Provider in the six (6) months immediately preceding the event giving rise to the claim, or (ii) USD $500.

Exclusions to Limitations

The limitations set forth in this Section shall not apply to:

(a) Liability for death or personal injury caused by negligence, to the extent such limitation is prohibited by law;

(b) Liability for fraud or fraudulent misrepresentation;

Allocation of Risk

The limitations and exclusions of liability in this Section reflect the allocation of risk between the parties, which is a fundamental basis of the bargain and essential to CurityCare’s ability to operate a global, multi-faith telehealth platform at reasonable cost.

Force of Law

If any provision of this Section is held to be unenforceable, the remaining provisions shall be enforced to the maximum extent permitted by applicable law, and the total liability of CurityCare shall be limited accordingly.

No Joint Liability

Liability under these Terms is several and not joint. No party shall be liable for the acts or omissions of any other User or third party, even if such third party was engaged via the Platform.

Indemnification

General Obligation

Each User (whether a Client or Provider) agrees to indemnify, defend, and hold harmless CurityCare, LLC, its affiliates, officers, directors, employees, contractors, agents, licensors, successors, and assigns (collectively, the "CurityCare Parties”) from and against any and all claims, demands, actions, suits, proceedings, liabilities, losses, damages, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to:

(a) The User’s breach or alleged breach of these Terms of Service, the Privacy Policy, or any incorporated agreement;

(b) The User’s violation of any applicable federal, state, local, or foreign law, rule, or regulation;

(c) The User’s infringement, misappropriation, or violation of any intellectual property, proprietary, or privacy right of any third party;

(d) Any content, data, or materials provided, uploaded, transmitted, or otherwise made available by the User through the Platform, including any false or misleading representations;

(e) Any dispute between the User and another User, including but not limited to disputes between Client and Provider regarding services rendered, fees, quality of work, or alleged misconduct;

(f) In the case of Providers, any allegation or determination that Provider services caused harm, injury, or loss, including malpractice claims, professional negligence, or failure to maintain required licensure.

Defense and Cooperation

(a) Notice – CurityCare will promptly notify the indemnifying party in writing of any claim for which it seeks indemnification, provided that failure to do so shall not relieve the indemnifying party of its obligations under this Section except to the extent such failure materially prejudices its ability to defend the claim.

(b) Control of Defense – The indemnifying party shall have sole control over the defense and settlement of any claim, provided that it may not settle any claim without the prior written consent of CurityCare if the settlement requires admission of fault, imposes non-monetary obligations, or affects CurityCare’s rights.

(c) Cooperation – The indemnified party shall provide reasonable assistance, at the indemnifying party’s expense, in defending any such claim.

Special Provisions for Providers

In addition to the obligations above, each Provider shall:

(a) Maintain adequate professional liability (malpractice) insurance in accordance with applicable state or national law;

(b) Provide proof of such coverage upon request by CurityCare;

(c) Acknowledge that CurityCare’s role is limited to facilitating the connection between Provider and Client and does not extend to clinical oversight or vicarious liability for Provider’s acts or omissions.

Jurisdictional Modifications

(a) EU/UK Users – Indemnification obligations will be interpreted consistently with applicable consumer protection and unfair contract terms legislation, including the Unfair Contract Terms Directive 93/13/EEC and UK Unfair Contract Terms Act 1977¹¹¹.

(b) Australian Users – This Section is subject to the limitations imposed by the Australian Consumer Law on indemnity clauses¹¹².

Primary Jurisdiction – United States

For Users located in the United States or for disputes arising out of services rendered primarily within the United States, this Agreement shall be governed by, and construed in accordance with:

(a) The laws of the State of Washington, without regard to its conflict-of-law principles;

(b) Applicable federal laws of the United States, including but not limited to the Federal Arbitration Act (FAA)¹¹³ and relevant provisions of the Electronic Signatures in Global and National Commerce Act (E-SIGN)¹¹⁴.

This choice of law applies irrespective of the User’s location, provided that it does not override mandatory legal protections available to the User under the laws of their home jurisdiction.

Primary Jurisdiction – European Union & International

For Users located in the European Union, the United Kingdom, or other jurisdictions outside the United States, and for disputes arising out of services rendered primarily outside the United States, this Agreement shall be governed by, and construed in accordance with:

(a) The laws of Belgium, as the designated neutral legal forum;

(b) Applicable laws of the European Union, including the General Data Protection Regulation (GDPR) (EU) 2016/679¹¹⁵, the E-Commerce Directive 2000/31/EC¹¹⁶, and the Rome I Regulation (Regulation (EC) No 593/2008)¹¹⁷ on the law applicable to contractual obligations.

The courts of Brussels, Belgium shall have exclusive jurisdiction, except where mandatory provisions of local law require otherwise.

Recognition of Religious Context

CurityCare, LLC operates as a multi-faith telehealth platform, inspired by the Tibetan concept of the "center” (kyil-khor), fostering unity among diverse religious and spiritual traditions. While the services offered often involve religious, spiritual, or ceremonial content, Users agree that this Agreement is a secular legal instrument, enforceable under civil law, and does not constitute a religious covenant or sacred contract.

Arbitration and Class Action Waiver

Except where prohibited by law, all disputes shall be resolved through binding arbitration as set forth in Section 45 (Arbitration). The parties waive the right to participate in class actions, representative actions, or collective proceedings.

International Public Policy

Nothing in this Agreement shall be construed to limit or waive rights that cannot be waived under applicable international treaties, including:

(a) The Convention on the Recognition and Enforcement of Foreign Arbitral Awards (New York Convention)¹¹⁸;

(b) The Hague Convention on Choice of Court Agreements (2005)¹¹⁹.

Severability of Jurisdictional Provisions

If any provision of this Section is found invalid or unenforceable in a particular jurisdiction, such invalidity shall not affect the validity or enforceability of the remaining provisions, which shall remain in full force and effect.

U.S. Arbitration Framework

(a) Governing Law – For disputes where the primary jurisdiction is the United States (as defined in Section 44), arbitration shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Mediation Procedures, as modified by these Terms, and governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1–16¹²⁰.

(b) Location – Unless otherwise agreed, arbitration shall take place in Tacoma, Washington, USA, or conducted remotely via secure video conferencing technology.

(c) Number of Arbitrators – A single arbitrator shall preside unless the claim exceeds USD $500,000, in which case a panel of three arbitrators shall be appointed.

(d) Language – Proceedings shall be conducted in English, unless otherwise required by law.

EU and International Arbitration Framework

(a) Governing Law – For disputes where the primary jurisdiction is outside the United States, arbitration shall be conducted under the Rules of Arbitration of the International Chamber of Commerce (ICC), applying the law of Belgium (see Section 44).

(b) Seat of Arbitration – Brussels, Belgium.

(c) Language – Proceedings shall be conducted in English unless otherwise agreed by the parties, with certified translations provided at the requesting party’s expense.

(d) Public Policy Safeguards – The arbitrator shall respect mandatory provisions of consumer protection, professional licensing, and privacy laws applicable to the dispute.

Class Action and Collective Action Waiver

The parties agree that arbitration shall be conducted in their individual capacities only, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator has no authority to consolidate claims, to conduct class proceedings, or to award relief on a class-wide basis.

Interim Relief

Either party may seek interim or provisional measures from any court of competent jurisdiction (including emergency relief under applicable arbitration rules) as necessary to protect rights or property pending final resolution of the dispute. Such requests shall not be deemed incompatible with this Section.

Costs of Arbitration

(a) Initial Filing Fees – CurityCare shall pay the initial filing fee for arbitration for consumers located in the United States.

(b) Fee-Shifting – The prevailing party may be awarded reasonable attorneys’ fees and costs unless prohibited by applicable law.

(c) International Matters – In ICC-administered arbitration, costs shall be allocated in accordance with ICC Rules, subject to any applicable consumer protection law.

Opt-Out Option (U.S. Users)

A User located in the United States may opt out of this arbitration provision within 30 days of first agreeing to these Terms by sending a written notice to:

CurityCare, LLC

Attn: Legal Department – Arbitration Opt-Out

Finality of Awards

The arbitrator’s award shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction. Judicial review shall be limited to the grounds provided under the FAA (for U.S. cases) or the applicable international arbitration law (for non-U.S. cases).

Entire Agreement

These Terms of Service, together with the Privacy Policy, any Non-Disclosure Agreement executed between the parties, and any supplemental terms expressly incorporated by reference, constitute the entire agreement between CurityCare, LLC ("CurityCare”) and the User (whether Client or Provider) with respect to the subject matter herein. This Agreement supersedes all prior or contemporaneous written or oral agreements, understandings, or representations related to the Services.

Severability

If any provision of this Agreement is determined by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, the remaining provisions shall continue in full force and effect, and the invalid provision shall be enforced to the maximum extent permissible or replaced with a valid provision that most closely reflects the original intent.

Assignment

The User may not assign, delegate, or transfer any rights or obligations under this Agreement without the prior written consent of CurityCare. Any attempted assignment in violation of this Section is null and void. CurityCare may freely assign this Agreement, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

Waiver

No waiver of any term or condition of this Agreement shall be deemed a continuing waiver or a waiver of any other term or condition, and any failure or delay in exercising a right shall not operate as a waiver of such right or any other right.

Notices

(a) To CurityCare – All legal notices to CurityCare must be sent to its principal business address or to such other address as CurityCare may designate in writing, with a copy to its legal counsel. Notices shall be deemed received: (i) when delivered in person; (ii) on the date shown on a signed receipt if sent by certified mail; or (iii) upon confirmation of delivery if sent via recognized courier service.

(b) To Users – CurityCare may provide notices via the Platform, email, or postal mail to the contact information provided by the User.

Governing Language

The governing language of this Agreement is English (U.S.). Any translations provided are for convenience only. In the event of a conflict between the English version and a translated version, the English version shall prevail.

Headings

Section titles and headings are provided for convenience only and shall not affect the interpretation of this Agreement.

Compliance with Laws

The User agrees to comply with all applicable local, state, national, and international laws, statutes, ordinances, and regulations in connection with the use of the Services, including laws governing professional licensure, religious freedoms, data privacy, and telehealth practice.

Relationship of the Parties

The relationship between CurityCare and the User is that of independent contracting parties. Nothing in this Agreement shall be construed to create a partnership, joint venture, employer-employee, or agency relationship, unless explicitly stated otherwise in a separate written agreement signed by both parties.

Counterparts and Electronic Execution

This Agreement may be executed in multiple counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. Execution and acceptance may occur electronically in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN)¹²² and applicable state laws.

Appendix A – Privacy Policy

The types of personal and wellness data we collect;

How we use, store, and disclose that data;

The rights of Users under applicable laws; and

Our legal obligations regarding data protection.

This Policy is designed to comply with the Health Insurance Portability and Accountability Act of 1996 (HIPAA)

¹²⁴, the General Data Protection Regulation (GDPR)¹²⁵, the California Consumer Privacy Act (CCPA)¹²⁶, and other applicable U.S.

federal, state, and international privacy laws.

Scope of Policy

This Privacy Policy applies to:

Clients who use our Services for spiritual, religious, or mental health support;

Providers who deliver licensed services through our Platform;

Visitors to our websites and mobile applications; and

Any individual whose data is collected in the course of providing Services.

CurityCare collects the following categories of data:

Personal Identification Data

Name, address, email, phone number;

Government-issued identification (for verification purposes only).

Wellness Data

Self-reported mental health, emotional, or spiritual well-being information;

Details regarding religious affiliation or faith tradition (optional and only when relevant to service delivery).

Transaction Data

Payment method details, transaction history, and invoices;

Billing addresses and tax-relevant details.

Technical Data

IP address, browser type, device identifiers;

Geolocation information (if consented to).

Lawful Basis for Processing (GDPR Compliance)

We process personal and wellness data under the following legal bases:

Consent – When the User voluntarily provides personal or wellness data for the purpose of receiving Services.

Contractual Necessity – Where processing is required to fulfill the Terms of Service.

Legal Obligation – To comply with legal, regulatory, or licensing requirements.

Legitimate Interests – For fraud prevention, network security, and service improvement.

HIPAA Compliance Statement

When a Provider is a covered entity under HIPAA, CurityCare acts as a Business Associate as defined under 45 C.F.R. § 160.103¹²⁷. We enter into Business Associate Agreements (BAAs) with such Providers to ensure all Protected Health Information (PHI) is handled in accordance with HIPAA standards.

CurityCare retains personal and wellness data only as long as necessary to:

Fulfill the purposes outlined in this Policy;

Comply with applicable laws (including medical record retention laws);

Resolve disputes; and

Enforce agreements.

Data retention periods vary depending on jurisdiction, but generally:

Wellness Data – 7 years from last service date;

Financial Records – 7 years for tax compliance;

User Accounts – Deleted within 90 days of verified account closure, except where retention is legally mandated.

We implement administrative, technical, and physical safeguards, including:

Multi-factor authentication for account access;

Role-based access control for internal personnel;

Annual third-party ***** testing.

No method of transmission or storage is 100% secure; however, CurityCare meets or exceeds industry standards for security and data protection.

User Rights

Subject to applicable law, Users have the right to:

Rectify inaccuracies;

Delete personal data ("Right to be Forgotten” under GDPR);

Restrict processing;

Data Portability; and

Withdraw Consent at any time, without affecting the lawfulness of processing before withdrawal.

Requests to exercise rights should be submitted to:

Email:

CurityCare does not sell User data. Data may be disclosed:

To Providers solely for the delivery of Services;

To third-party service providers under confidentiality obligations;

As required by law, court order, or government regulation;

In connection with a corporate transaction such as a merger or sale.

Appendix B – Non-Disclosure Agreement

This Non-Disclosure Agreement ("Agreement” or "NDA”) is entered into as of the Effective Date by and between CurityCare, LLC, a Washington limited liability company ("CurityCare” or "Disclosing Party”), and the undersigned "Receiving Party” (which may be a Provider or Client under the Terms of Service), each a "Party” and collectively the "Parties.”

This NDA is incorporated by reference into, and forms an integral part of, the CurityCare Terms of Service.

Personal identification information (PII) subject to U.S. and international privacy laws;

Trade secrets, proprietary processes, business plans, software code, or operational methods;

Intellectual property, know-how, and training materials developed by CurityCare;

Provider fee schedules, Client payment terms, and transaction records;

Any information designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure.

Confidential Information does not include information that:

(a) is or becomes publicly available without breach of this Agreement;

(b) was lawfully known to the Receiving Party prior to disclosure;

(d) is independently developed by the Receiving Party without use of or reference to the Disclosing Party’s Confidential Information.

Obligations of the Receiving Party

The Receiving Party shall:

Use Confidential Information solely for the purpose of fulfilling obligations under the CurityCare Terms of Service;

Not disclose Confidential Information to any third party without prior written consent of the Disclosing Party, except to employees, contractors, or agents who have a need to know and are bound by confidentiality obligations at least as protective as this NDA;

Implement reasonable administrative, physical, and technical safeguards to protect Confidential Information, including compliance with HIPAA¹²⁸ for Protected Health Information (PHI) and GDPR¹²⁹ for EU data subjects;

Promptly notify the Disclosing Party in writing upon discovery of any unauthorized access, disclosure, or use of Confidential Information;

Return or securely destroy all Confidential Information upon termination of the Parties’ relationship or upon written request.

Mandatory Disclosures

The Receiving Party may disclose Confidential Information if required by law, regulation, or court order, provided that (to the extent legally permissible) the Receiving Party gives prompt written notice to the Disclosing Party to allow them to seek protective measures.

Term and Survival

This NDA shall remain in effect for the longer of:

(a) five (5) years from the Effective Date; or

(b) as long as Confidential Information remains protected under applicable trade secret law.

Obligations relating to PHI under HIPAA and wellness data under GDPR shall survive indefinitely.

This NDA shall be governed:

For U.S. parties, by the laws of the State of Washington without regard to conflict-of-law principles;

For non-U.S. parties, by Belgian law under the Global Jurisdiction Clause in the CurityCare Terms of Service.

Any disputes shall be resolved through binding arbitration under Section 45 of the Terms of Service.

Appendix C: Detailed Service Descriptions by Religious and Spiritual Tradition

Note: These descriptions are provided to clarify the scope of services offered via the CurityCare Platform. They do not constitute medical diagnoses, legal advice, or guarantee of outcomes. All services are subject to Provider licensing requirements, jurisdictional limitations, and the general disclaimers in the CurityCare Terms of Service.

Scope of Practice:

Instruction in mindfulness, breath awareness, mantra meditation, or visualization techniques;

Faith-specific practices such as zazen (Buddhism), lectio divina (Christianity), dhikr (Islam), or japa mala chanting (Hinduism);

Guided meditations for stress reduction, focus, and spiritual deepening;

Instruction via telehealth video conferencing, in-person sessions where available, or pre-recorded programs;

Optional integration of biofeedback tools in compliance with FDA wellness device guidance¹³⁰.

Legal Disclaimer: Meditation is a complementary wellness service and is not a substitute for professional mental health or medical treatment.

Faith-neutral wellness yoga focused on physical health and flexibility;

Religious-context yoga such as Bhakti yoga (Hindu devotion), Christian yoga incorporating scripture, or Sufi movement meditations;

Chair yoga or adaptive yoga for Clients with physical limitations;

Yoga therapy for stress, anxiety, or trauma recovery in compliance with International Association of Yoga Therapists (IAYT) standards¹³¹.

Legal Disclaimer: Yoga instruction is intended for wellness purposes and shall not be construed as physical therapy unless explicitly provided by a licensed physical therapist.

Individual, couples, and family counseling;

Integration of religious texts, teachings, and traditions into therapy;

Counseling for grief, trauma, life transitions, or relationship issues;

Crisis intervention within the limits of telehealth regulations in the Client’s jurisdiction;

Adherence to American Counseling Association (ACA) Code of Ethics¹³² and applicable state licensing laws.

Legal Disclaimer: All counseling sessions are subject to jurisdictional licensing requirements. CurityCare is not a covered healthcare provider under HIPAA except when functioning as a Business Associate to a Provider.

4. Cognitive Therapy Services

Providers may offer Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), and other evidence-based modalities when licensed to do so.

Faith-integrated CBT addressing thought patterns, behaviors, and emotional regulation;

Scriptural reframing exercises adapted to the Client’s religious worldview;

Delivery exclusively by licensed mental health professionals authorized in the Client’s jurisdiction;

Compliance with American Psychological Association (APA) guidelines¹³³.

Legal Disclaimer: These services are not available in jurisdictions where the Provider lacks an active license.

Pastoral care and spiritual counseling;

Administration of sacraments, rites, or blessings consistent with the Client’s tradition;

Bereavement support and end-of-life ministry;

Compliance with Association of Professional Chaplains Standards of Practice¹³⁴.

Weddings, vow renewals, and civil unions (jurisdiction permitting);

Funerals, memorials, and commemorations;

Naming ceremonies, coming-of-age rites, or seasonal celebrations;

Interfaith and multi-faith ceremonies honoring multiple traditions;

Compliance with local marriage officiant registration laws where applicable.

Religious and Spiritual Traditions Supported

Buddhism

Services: Zen meditation, Tibetan mindfulness practices, compassion training.

Legal Note: Certain rites may require affiliation with recognized Buddhist orders.

Hindu Traditions

Services: Puja ceremonies, mantra-based meditation, astrology consultations.

Legal Note: Temple-affiliated services may require priestly sanction.

Wicca & Neo-Paganism

Services: Sabbat and Esbat rituals, spellwork for wellness, handfastings.

Legal Note: May require disclosure in jurisdictions with ritual practice restrictions.

Heathenry & Norse Spiritualism

Services: Blót, sumbel, runic meditation.

Legal Note: Rites may be conducted under the auspices of recognized kindreds or associations.

Appendix D: Arbitration Agreement and Class Action Waiver

This Arbitration Agreement ("Agreement”) is incorporated into and forms an integral part of the CurityCare Terms of Service. By accepting the Terms of Service, the Client and CurityCare mutually agree to resolve certain disputes through binding arbitration instead of in court.

The CurityCare Terms of Service;

The provision of services through the CurityCare Platform;

Communications or interactions between Client, Providers, and CurityCare;

Any wellness data processing or privacy-related claims;

Any statutory, common law, or equitable claims,

shall be resolved exclusively by final and binding arbitration under this Agreement.

Governing Arbitration Rules

For U.S. Clients: Arbitration shall be conducted under the American Arbitration Association (AAA) Consumer Arbitration Rules¹³⁵, as modified by this Agreement, and administered by the AAA.

For Non-U.S. Clients: Arbitration shall be conducted under the International Chamber of Commerce (ICC) Rules of Arbitration¹³⁶, seated in Brussels, Belgium.

Federal Arbitration Act (FAA) Preemption

For U.S. disputes, this Agreement is governed by the Federal Arbitration Act ("FAA”), 9 U.S.C. §§ 1–16, and any applicable federal or state arbitration laws not inconsistent with the FAA.

The FAA preempts any state laws that conflict with the enforceability of arbitration agreements, including those that might otherwise render this Agreement invalid or unenforceable.

Claims Not Subject to Arbitration

The following disputes may be litigated in court:

Small claims actions filed in a court of competent jurisdiction;

Injunctive relief for intellectual property infringement;

Enforcement of a confidentiality obligation or NDA under Appendix B;

Claims arising under certain privacy laws where arbitration is not permitted by statute (e.g., GDPR complaints filed with supervisory authorities).

THE PARTIES AGREE THAT:

No class arbitration or representative claims are permitted;

Disputes must be brought on an individual basis;

No joinder of claims by multiple individuals is permitted in a single arbitration;

The arbitrator shall not have authority to consolidate claims or award relief to a group.

This waiver is enforceable to the maximum extent permitted by law and survives termination of the Terms of Service.

Arbitration Procedures

Filing: The party initiating arbitration must send written notice to the other party, describing the nature and basis of the claim, and the relief sought.

Time to Respond: The responding party shall have thirty (30) days to reply.

Selection of Arbitrator: One neutral arbitrator shall be selected in accordance with the applicable rules (AAA or ICC).

Hearings: May be conducted via video conference, teleconference, or in person.

Discovery: Limited to document exchanges unless the arbitrator permits otherwise.

Award: The arbitrator’s award shall be final and binding, enforceable in any court of competent jurisdiction.

Appendix E: Non-Disclosure Agreement for Service Providers

Parties: CurityCare, LLC ("CurityCare” or "Company”) and the undersigned Provider ("Recipient” or "Provider”).

This Non-Disclosure Agreement ("Agreement”) governs the confidentiality obligations between CurityCare and Providers who offer counseling, mental health, or spiritual services via the CurityCare Platform.

The Provider acknowledges that in the course of rendering services on the CurityCare Platform, they will gain access to Confidential Information belonging to CurityCare, its Clients, and other Providers. This Agreement ensures that such information is protected, preserved, and used only for authorized purposes.

"Confidential Information” includes, but is not limited to:

Client Data: Personal Identifiable Information (PII), wellness data, Protected Health Information (PHI), religious preferences, and communication records;

Business Information: Platform source code, algorithms, marketing strategies, pricing structures, payment processing details;

Proprietary Materials: Training manuals, service protocols, ceremony scripts, meditation techniques, and any materials authored or licensed by CurityCare;

Third-Party Information: Data entrusted to CurityCare by third parties under confidentiality obligations.

Obligations of the Provider

Use Confidential Information solely for the purpose of delivering authorized services via the CurityCare Platform;

Not disclose Confidential Information to any third party without prior written consent from CurityCare;

Protect Confidential Information with at least the same degree of care they use for their own confidential materials, and no less than a reasonable standard of care;

Immediately notify CurityCare of any unauthorized use or disclosure;

Comply with HIPAA, GDPR, and all applicable privacy and security laws when handling PII or PHI¹⁴¹.

Exclusions from Confidential Information

Is or becomes publicly known without breach of this Agreement;

Is lawfully received from a third party without confidentiality obligations;

Is independently developed without reference to CurityCare’s Confidential Information;

Must be disclosed pursuant to a valid court order or regulatory mandate, provided that the Provider gives CurityCare prompt written notice to allow it to seek protective measures¹⁴².

Intellectual Property Ownership

All Confidential Information and related intellectual property remain the exclusive property of CurityCare.

Any derivative works, improvements, or adaptations created by the Provider in connection with CurityCare’s Confidential Information shall be deemed "works made for hire” under 17 U.S.C. § 101 and owned by CurityCare.

Where such ownership does not vest automatically, the Provider hereby irrevocably assigns all rights, title, and interest in such works to CurityCare.

Return or Destruction of Information

Upon termination of the Provider’s relationship with CurityCare, or upon written request, the Provider must:

Return all Confidential Information in tangible form;

Permanently delete or destroy all digital copies, with written certification of such destruction.

The obligations under this Agreement shall survive:

For PII and PHI: Indefinitely, or as long as required by applicable law;

For all other Confidential Information: Five (5) years after termination of the Provider’s engagement with CurityCare.

Arbitration and Governing Law

Any dispute arising under this NDA shall be resolved under the Arbitration Agreement in Appendix D.

For U.S. disputes: Governed by the laws of the State of Washington and the Federal Arbitration Act.

For international disputes: Governed by Belgian law, with arbitration seated in Brussels.

Appendix F: Detailed Service Descriptions by Religious and Spiritual Tradition

Purpose:

This Appendix provides in-depth descriptions of the core service categories offered on the CurityCare Platform — Meditation, Yoga, Counseling & Mental Health, Cognitive Therapy, Chaplain Services, and Ceremonial & Ritual Services — and how they are contextualized and adapted for major world religions, spiritual traditions, and faith-based movements. These descriptions are intended to:

Clarify the nature of the services offered,

Comply with applicable religious freedom protections¹⁴⁴,

Ensure compliance with state licensing requirements for mental health and counseling,

Provide transparency to Clients and Providers regarding cultural and theological integrity.

Section 1 – Service Modalities

Meditation

Guided meditation, mindfulness practices, and contemplative prayer adapted to the Client’s faith tradition.

May include silent meditation, mantra repetition, visualization, breath regulation, or devotional chanting.

Providers must respect the theological boundaries of the Client’s belief system, avoiding syncretism unless expressly requested by the Client.

Yoga

Includes physical postures, breathing exercises, and meditative techniques.

Faith-specific modifications are available (e.g., Christian "prayer stretching,” Buddhist metta bhavana sequences, Islamic dhikr movement meditation).

All Providers offering yoga must comply with state fitness instruction regulations if applicable.

Counseling & Mental Health

Faith-integrated counseling, pastoral counseling, and mental health support offered by state-licensed professionals.

Counseling may address stress management, grief, family conflict, spiritual crisis, or trauma recovery.

Any diagnosis or clinical treatment must be performed in compliance with applicable licensing laws and ethical guidelines.

Cognitive Therapy

Faith-sensitive adaptations of Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), or similar modalities.

Designed to help Clients identify and reframe thought patterns while incorporating religious texts, moral principles, or spiritual affirmations.

Section 2 – Religious and Spiritual Traditions

Wicca and Paganism

Meditation: Guided visualizations, moon phase meditations.

Ceremonies: Sabbats, esbats, handfastings, and seasonal rites.

Counseling: Spiritual mentorship on the Wheel of the Year, herbal and natural healing guidance.

Heathenism / Norse Paganism

Meditation: Galdr (chanting), seidr (visionary trance).

Ceremonies: Blóts (offerings), sumbels (ritual toasts), naming rituals, seasonal festivals.

Counseling: Guidance using the Nine Noble Virtues and ancestral wisdom.

Section 3 – Cross-Faith Integration

CurityCare acknowledges that some Clients may draw from multiple traditions or identify as interfaith or spiritual-but-not-religious.

Providers must adopt a client-centered approach, respecting individual boundaries while ensuring professional and theological integrity.

Section 4 – Compliance

All faith-specific services must remain within the legal parameters of the jurisdiction in which the Provider operates.

Providers delivering mental health counseling must hold state licensure or equivalent recognition in their jurisdiction.

Providers offering religious rites must comply with any local laws governing officiation.

Appendix G: - Enforcement, Dispute Resolution, and Cross-Jurisdictional Arbitration Rules

Dispute resolution procedures;

Cross-border legal compliance;

Final and binding arbitration requirements; and

Remedies and enforcement rights for both CurityCare, LLC and the Client.

This section is intended to operate in conjunction with Appendix D (Arbitration Agreement) and shall survive termination of the Terms of Service.

General Enforcement Principles

Mutual Obligation to Comply

Both CurityCare and the Client agree to act in good faith in fulfilling the obligations set forth in this Agreement and to attempt to resolve disputes amicably before resorting to legal action or arbitration.

Legal Compliance

The parties shall comply with all applicable laws, including but not limited to:

United States: Federal Arbitration Act (9 U.S.C. §§ 1–16), state consumer protection laws, HIPAA for wellness data¹⁴⁸.

European Union: General Data Protection Regulation (EU) 2016/679 ("GDPR”), Brussels I Regulation (Recast) (Regulation (EU) No 1215/2012).

International Law: United Nations Convention on the Recognition and Enforcement of Foreign Arbitral Awards (New York Convention, 1958).

Dispute Resolution Stages

479. Informal Negotiation Period

Before initiating arbitration or litigation, the initiating party must provide thirty (30) days' written notice to the other party describing:

The nature and basis of the dispute; and

The relief sought.

Both parties shall engage in good-faith negotiations during this period.

Binding Arbitration

If mediation fails, the dispute shall proceed to binding arbitration as defined in Appendix D. Arbitration shall be the exclusive method for resolving disputes unless one of the exceptions in Appendix D §4 applies.

Seat and Venue of Arbitration

U.S. Clients: Arbitration shall take place in the federal judicial district of the Client’s residence.

Non-U.S. Clients: Arbitration shall be seated in Brussels, Belgium.

Hybrid Cases: For disputes involving both U.S. and EU parties, the parties may mutually agree on the seat; otherwise, the default is Brussels, Belgium.

Remedies and Enforcement Powers

The arbitrator or competent court shall have authority to:

Award monetary damages,

Grant injunctive relief or specific performance,

Enforce confidentiality obligations under Appendix B,

Issue orders for return or destruction of proprietary materials,

Award attorney’s fees and costs where permitted by law.

Costs and Fee-Shifting

In all arbitration proceedings:

CurityCare will advance the arbitrator’s fees for claims under $10,000 USD unless the arbitrator determines the claim is frivolous;

In international proceedings under ICC rules, costs shall be apportioned according to the ICC Rules (2021).

Prevailing party may recover reasonable legal fees if authorized by applicable law.

Appendix H: Global Compliance & Licensing Obligations

Parties: CurityCare, LLC ("CurityCare”) and the Client and/or Provider as defined in the CurityCare Terms of Service.

The purpose of this Appendix is to set forth the legal and regulatory compliance obligations applicable to CurityCare’s operations across all jurisdictions, including United States federal and state laws, European Union law, and other international frameworks. This ensures that CurityCare operates in full compliance with relevant statutes while maintaining its role as a faith-based platform for counseling, mental health, and spiritual services.

U.S. Compliance Obligations

Federal Regulations

CurityCare and all Providers must comply with:

HIPAA – Health Insurance Portability and Accountability Act of 1996, for the protection of PHI¹⁴⁹.

FTC Regulations – Prohibiting deceptive advertising or misrepresentation of services¹⁵⁰.

Title VII of the Civil Rights Act of 1964 – Protecting clients and providers from religious discrimination while permitting bona fide faith-based mission standards¹⁵¹.

Telehealth and Interstate Practice – Compliance with the Interstate Medical Licensure Compact and state-specific telehealth regulations where applicable.

State Licensing Requirements

Each Provider must maintain active licensure in each state where services are rendered. CurityCare shall maintain a Provider Licensing Registry that is regularly audited.

European Union Compliance Obligations

GDPR Compliance

All processing of personal and wellness data must adhere to:

Lawful Basis of Processing under Article 6 of GDPR;

Special Category Data protections under Article 9, for religious affiliation and health data;

Data Subject Rights including access, rectification, and erasure requests;

Data Protection Impact Assessments (DPIAs) for high-risk processing activities.

Professional Licensing in the EU

Providers offering counseling or therapeutic services must comply with national regulations of each Member State (e.g., Belgium’s Law of 10 May 2015 regulating the profession of psychotherapist).

United Kingdom Compliance Obligations

Following Brexit, the UK GDPR applies along side the Data Protection Act 2018. Providers must ensure registration with the Information Commissioner’s Office (ICO) where applicable.

Canada Compliance Obligations

Providers serving Canadian Clients must comply with:

PIPEDA (Personal Information Protection and Electronic Documents Act);

Provincial regulations such as Ontario’s Personal Health Information Protection Act (PHIPA).

Middle East & Asia-Pacific Compliance

CurityCare recognizes that certain jurisdictions require explicit government authorization for religious or counseling services, including but not limited to:

UAE: Licensing from the Community Development Authority for counseling;

India: Compliance with state-level mental health acts and recognition of faith-based counseling as a supplemental service;

Australia: Compliance with the Privacy Act 1988 and registration with the Australian Health Practitioner Regulation Agency (AHPRA) if applicable.

Country-by-Country Regulatory Table

Enforcement and Auditing

CurityCare reserves the right to conduct compliance audits of Providers at any time to ensure adherence to these obligations. Non-compliance may result in suspension or termination of platform access.

Survival of Obligations

Compliance obligations shall survive termination of the Terms of Service for as long as CurityCare maintains Client records or as required by applicable law.

Appendix I: Service Descriptions by Faith & Spiritual Tradition

Parties: CurityCare, LLC ("CurityCare”), the Client, and the Provider.

This Appendix defines the scope and nature of services available through CurityCare, categorized by major world religions and spiritual traditions, in alignment with our mission as a faith-based telehealth platform that operates as the Tibetan kyil-khor — "the center and periphery” — uniting the perceiving subject and the perceived object in shared spiritual exchange.

These descriptions are integrated into the Terms of Service and are binding representations of the types of services offered by Providers through CurityCare.

Universal Service Categories Across All Traditions

For every tradition listed below, CurityCare offers one or more of the following services, subject to the Provider’s credentials and licensing:

Meditation Instruction & Mindfulness Practices – Guided and individualized sessions for spiritual clarity, stress reduction, and mental focus.

Yoga & Body-Mind Integration – Physical and breathing exercises tailored to spiritual tradition and health needs.

Counseling & Mental Health Guidance – Licensed mental health support integrated with spiritual worldview.

Cognitive Behavioral and Faith-Based Therapy – Techniques adapted to align with the Client’s beliefs.

Chaplaincy & Pastoral Care – Spiritual guidance for individuals, families, and institutions.

Ceremonial & Ritual Services – Faith-specific rites including weddings, funerals, blessings, and initiations.

Services by Tradition

Heathenism & Norse Spirituality

Rituals: Blóts, sumbels, and seasonal festivals.

Guidance: Ancestral veneration, runic meditation, and ethical living per the Nine Noble Virtues.

Therapy: Integrating cultural identity with licensed mental health care.

Spiritualism & Interfaith Practices

Counseling: Inclusive spiritual dialogue across multiple traditions.

Rituals: Custom-designed services drawing from multiple belief systems.

Meditation: Techniques adapted for non-denominational or multi-faith contexts.

Disclaimers

No Guarantee of Spiritual Outcome: CurityCare does not warrant that participation in any spiritual or therapeutic service will result in a specific emotional, psychological, or spiritual state.

Licensed Provider Requirement: All mental health services are delivered by providers duly licensed in their jurisdiction.

Faith Autonomy: Clients retain full autonomy over their personal beliefs and may decline any service element inconsistent with their values.

Appendix J: Provider Non-Disclosure Agreement

Parties: This Non-Disclosure Agreement ("Agreement” or "NDA”) is entered into by and between CurityCare, LLC, a Washington State limited liability company with its principal office at [Insert Address] ("CurityCare”), and the undersigned Provider (collectively, the "Parties”).

The purpose of this NDA is to protect Confidential Information disclosed by CurityCare to the Provider or obtained by the Provider in the course of providing services via the

CurityCare Platform. This includes but is not limited to:

Client personal and wellness data;

CurityCare proprietary business processes;

Technology, platform code, and integration architecture;

Internal policies, compliance manuals, and audit reports;

Strategic plans, financial data, and marketing strategies.

Exclusions

Confidential Information does not include information that:

a. Is or becomes public through no breach of this Agreement;

b. Is lawfully obtained from a third party without restriction;

c. Is independently developed by the Provider without use of Confidential Information;

d. Is disclosed with CurityCare’s prior written approval.

5. Compelled Disclosure

If the Provider is required by law, regulation, or court order to disclose Confidential Information, the Provider must promptly notify CurityCare in writing prior to disclosure, unless prohibited by law, and must cooperate with CurityCare’s efforts to seek protective measures.

Injunctive Relief. The Provider acknowledges that unauthorized disclosure or use of Confidential Information may cause irreparable harm to CurityCare, for which monetary damages would be inadequate. CurityCare is entitled to seek injunctive relief without posting bond, in addition to any other remedies available at law or in equity¹⁶⁰.

Indemnification. The Provider shall indemnify, defend, and hold harmless CurityCare from any claims, losses, damages, liabilities, and expenses (including attorney’s fees) arising from any breach of this Agreement.

Governing Law and Dispute Resolution

U.S. Providers.

This Agreement shall be governed by the laws of the State of Washington, without regard to conflict of laws principles, and shall be subject to the arbitration provisions set forth in the CurityCare Terms of Service.

EU/UK Providers. This Agreement shall be governed by the laws of Belgium, with disputes resolved in the courts of Brussels, Belgium, unless otherwise required by mandatory law.

Appendix K: Service Descriptions by Faith Tradition

Parties: This Appendix is incorporated into the CurityCare, LLC Terms of Service and applies to all Clients and Providers engaging through the CurityCare Platform.

This Appendix sets forth a detailed description of the faith-based and spiritual services available through the CurityCare Platform, broken down by religious and spiritual tradition.

All services are offered by independent licensed Providers in compliance with:

Applicable U.S. state licensing boards;

Federal privacy laws including HIPAA¹⁶¹;

International laws including the General Data Protection Regulation (GDPR)¹⁶²;

Relevant professional codes of ethics for counseling, chaplaincy, and mental health.

This Appendix is for informational and contractual purposes only. It is not a theological endorsement of any specific belief system.

General Legal Disclaimers for All Traditions

Non-Medical Nature of Certain Services:

Unless explicitly stated, services such as meditation, yoga, and spiritual counseling are not a substitute for medical treatment, diagnosis, or psychotherapy.

Licensed Provider Requirement: All mental health, cognitive therapy, and clinical counseling services must be provided by a licensed professional in the relevant jurisdiction.

Cultural Sensitivity: Providers are required to adhere to CurityCare’s Non-Discrimination and Respect Policy

Limits of Confidentiality: While CurityCare maintains strict confidentiality protocols, disclosures may be required by law in cases involving:

Imminent harm to self or others;

Child abuse or neglect;

Court orders or subpoenas.

Faith Tradition Categories

The following categories represent the primary traditions supported by the CurityCare Platform.

Available Services:

Guided meditation sessions (Vipassana, Zen, Tibetan mindfulness)

Dharma talks and teachings on the Eightfold Path

Cognitive-based approaches inspired by Buddhist psychology

Monastic chaplain services

Legal Notes:

Services are secular-compliant when required by law in public institutions

Some meditative practices may be regulated under wellness provider laws in certain jurisdictions

Providers offering counseling must hold appropriate licenses in their state or country

Pastoral counseling and prayer support

Sacramental preparation (baptism, communion, marriage)

Bible study facilitation

Crisis chaplain services

Religious counseling is generally exempt from state counseling licensure laws unless the provider presents themselves as a licensed mental health professional

Wedding officiation services may require state-specific ministerial registration

Qur’an study and Tafsir sessions

Spiritual counseling in accordance with Sharia-compliant principles

Islamic marriage counseling

Chaplain services for hospitals and prisons

Certain jurisdictions require religious marriage counseling to be conducted in parallel with civil counseling where applicable

Gender-sensitive provider matching is available to accommodate religious practice

Rabbinic counseling

Torah study and Halakhic guidance

Preparation for life-cycle events (Bar/Bat Mitzvah, weddings)

Jewish chaplaincy in healthcare

Providers giving mental health advice must hold state licensure if practicing in a clinical capacity

Ritual services must comply with local religious authority standards if conducted in public institutions

Hindu Traditions (including Vedic, Vaishnavism, Shaivism, Shaktism, and related schools)

Guided meditation and mantra recitation

Yoga instruction (Hatha, Raja, Bhakti)

Spiritual counseling incorporating dharmic philosophy

Ritual ceremonies (Puja, Aarti)

Yoga services may be subject to fitness or wellness licensing rules

Ritual services performed in public venues must comply with local fire safety, noise, and zoning ordinances

Spiritual counseling based on Zoroastrian ethics

Religious education on the Avesta

Fire temple rituals (where permissible)

Access to certain rituals may be limited to members of the Zoroastrian community by religious custom

Providers must follow all health and safety regulations for ceremonial fire use

Wicca and Pagan Traditions

Spiritual guidance rooted in Wiccan principles

Seasonal festival celebrations (Sabbats, Esbats)

Spellcraft and ritual instruction (educational context only)

Handfasting ceremonies

CurityCare does not endorse or warrant supernatural claims; services are provided for cultural, educational, or spiritual enrichment

Rituals involving fire, candles, or herbs must comply with safety and legal regulations

Heathenry and Norse Spiritualism

Blóts, sumbels, and other Norse-inspired ceremonies

Rune study and interpretation (cultural/educational purposes)

Ancestor veneration guidance

Public ritual events may require permits under local law

Providers may not present rune readings as medical or psychological advice unless licensed

Additional Cross-Tradition Services

Meditation:

All forms must be described accurately and not misrepresented as medical treatment unless delivered by a licensed clinician.

Yoga: Must comply with safety regulations and avoid injury claims through informed consent waivers.

Counseling & Mental Health: Always requires licensure and adherence to HIPAA, GDPR, and equivalent laws.

Cognitive Therapy: Must be evidence-based and delivered by licensed professionals.

Chaplain Services: Must be compliant with institutional regulations for hospitals, prisons, and military facilities.

Ceremonial & Ritual Services: Must respect both cultural norms and public safety laws.

Appendix L: Accessibility & Anti-Discrimination Policy

Parties: Incorporated into the CurityCare, LLC Terms of Service and applicable to all Clients, Providers, and Users of the CurityCare Platform worldwide.

Purpose and Policy Statement

CurityCare, LLC ("CurityCare”) is committed to providing equal access to services and non-discriminatory treatment for all individuals, regardless of:

Race, color, ethnicity, or national origin

Religion, spiritual affiliation, or lack thereof

Sex, gender, gender identity, or sexual orientation

Age, disability, or medical condition

Marital status or family structure

Veteran status or immigration status

This policy applies to:

All Providers offering services on the Platform;

All Clients engaging services;

CurityCare administrative staff and contractors.

Applicable Laws and Legal Framework

United States

Title VII of the Civil Rights Act of 1964¹⁶³ – prohibits employment discrimination based on race, color, religion, sex, and national origin.

Americans with Disabilities Act (ADA)¹⁶⁴ – requires reasonable accommodations for individuals with disabilities.

Section 504 of the Rehabilitation Act of 1973¹⁶⁵ – applies to organizations receiving federal funding,

prohibiting disability-based discrimination.

European Union

Directive 2000/78/EC – establishes a general framework for equal treatment in employment and occupation.

Charter of Fundamental Rights of the European Union – Article 21 prohibits discrimination on multiple grounds, including religion and belief.

European Accessibility Act (Directive (EU) 2019/882) – mandates accessibility requirements for products and services.

Global Operations

In countries outside the U.S. and EU, CurityCare commits to meeting or exceeding local anti-discrimination standards where such laws exist.

Accessibility Commitments

Digital Accessibility

The CurityCare website and platform aim to conform to Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards.

Accessibility features include: text-to-speech compatibility, adjustable text size, and screen reader support.

Reasonable Accommodations

CurityCare will make reasonable modifications to policies, practices, and procedures where necessary to ensure equal access to services, except where doing so would fundamentally alter the nature of the service.

Physical Accessibility (for in-person services)

Providers offering in-person sessions must ensure compliance with applicable building accessibility codes, including ADA standards or equivalent.

Anti-Discrimination Standards for Providers

All Providers are contractually required to:

Treat Clients with respect and impartiality regardless of personal beliefs;

Not refuse services based on any protected category listed in Section 1.1;

Maintain professional boundaries and avoid imposing personal religious views outside the scope requested by the Client.

Refusal of Service Exceptions

Providers may decline service only if:

a) The request is outside the Provider’s scope of practice or licensure;

b) The request would violate applicable law;

c) The Client engages in abusive, threatening, or harassing conduct.

5. Complaint Resolution

Filing a Complaint

Any individual who believes they have been subject to discrimination or denied accessibility may file a complaint by emailing .

Investigation Procedure

CurityCare will conduct an impartial investigation within 30 calendar days.

Remedies may include retraining of Providers, provision of accommodations, or termination of a Provider’s access to the Platform.

Legal Recourse

Nothing in this Appendix limits the Client’s or Provider’s right to pursue legal remedies under applicable anti-discrimination or accessibility laws.

Violations of this policy by Providers constitute a material breach of the Terms of Service and may result in:

Suspension or permanent removal from the CurityCare Platform;

Referral to relevant licensing boards or regulatory authorities;

Appendix M: Amendment & Termination Rights

This Appendix defines the rights and obligations of CurityCare, LLC ("CurityCare”), Clients, and Providers with respect to the amendment of the Terms of Service and the termination of Platform access.

These provisions apply globally and are intended to comply with applicable U.S., EU, and international contract law¹⁶⁶.

Amendment of the Terms of Service

Right to Amend

CurityCare reserves the right to amend, modify, or update the Terms of Service, including any appendices, at its sole discretion, to:

Comply with changes in applicable law;

Enhance platform functionality;

Clarify contractual provisions;

Improve client and provider protections.

Acceptance of Amendments

Continued use of the Platform after the effective date of any amendment constitutes acceptance of the amended Terms.

Clients or Providers who do not agree to the changes must terminate their account before the amendment’s effective date.

Grounds for Termination

CurityCare may suspend or permanently terminate a Client’s or Provider’s account without prior notice in cases involving:

Material breach of the Terms of Service;

Misrepresentation of credentials or licensure;

Violation of CurityCare’s Non-Discrimination Policy

Fraud, abuse, or illegal activity;

Threats, harassment, or unsafe behavior toward other users.

Immediate Termination Without Notice

CurityCare may terminate accounts immediately and without notice if required to do so by law or if the account’s continued operation presents a significant risk to the safety, security, or integrity of the Platform.

Post-Termination Obligations

Upon termination:

All outstanding fees become immediately due;

All confidential information obtained through the Platform must be destroyed or returned;

Providers must complete all active service commitments unless otherwise agreed.

Termination by Client or Provider

Voluntary Termination

Clients or Providers may terminate their account at any time by:

Using the account deletion function in the Platform; or

Sending a written request to .

No Refunds for Partial Periods

Unless otherwise required by law, no prorated refunds will be issued for unused subscription time or prepaid service fees upon voluntary termination.

Survival of Certain Provisions

The following provisions survive termination of this Agreement for any reason:

Confidentiality obligations;

Intellectual property ownership clauses;

Dispute resolution and arbitration clauses;

Limitations of liability;

Governing law provisions.

Governing Law and Jurisdiction for Termination Disputes

United States Clients & Providers: Disputes shall be resolved in accordance with the Federal Arbitration Act¹⁶⁸ and applicable state contract law.

European Union Clients & Providers: Disputes shall be resolved in accordance with the Regulation (EU) No 1215/2012 (Brussels I Recast)¹⁶⁹, with CurityCare’s designated forum being Belgium.

Global Clients & Providers: Disputes arising outside the U.S. and EU will be resolved in the courts of Belgium unless otherwise required by applicable mandatory law.

Appendix N: Special Provisions for Service Providers

Special Provisions for Service Providers

Service Providers must never use the CurityCare platform for any activity connected to the sex trade or human trafficking. Such activities are absolutely prohibited and constitute immediate grounds for expulsion.

CurityCare requires background checks and verification of complete and current professional and business licenses as a condition of Platform access. Providers must maintain good standing with their professional organizations.

CurityCare employs artificial intelligence (AI) and other monitoring algorithms to ensure Providers maintain active licensure and compliance standards.

All Providers must supply proof of active professional liability insurance, naming CurityCare LLC as an insured party. Failure to provide or maintain coverage is grounds for expulsion.

Providers must respect Clients and colleagues, refraining from violence, abuse, or disrespect toward cultural, religious, or faith-based differences. CurityCare emphasizes diversity: 'A spice market is no fun with just pepper.'

Providers acknowledge a strict 24-hour cancellation policy. Appointments cancelled with less than 24 hours’ notice are non-refundable to the Client.

Providers may not offer legal services or provide estate planning advice under any circumstances. Providers are prohibited from inheriting from Clients. Violations result in immediate expulsion from the Platform.

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