Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you" or "your") and Medicare Services Enterprises, LLC, doing business as YBT Health ("YBT Health," "we," "us," or "our"). These Terms govern your access to and use of our website, mobile applications, telehealth platform, and all related services (collectively, the "Services").

By accessing, registering for, or using our Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use our Services.

If you are using our Services on behalf of a minor for whom you are a parent or legal guardian, you agree to these Terms on behalf of that individual and accept responsibility for their use of the Services.

2. Description of Services

YBT Health is a technology platform that connects you with licensed mental health professionals. Care is delivered by your provider, who is solely responsible for it; YBT Health provides the platform and support services and does not practice medicine. Services available through the platform include, but are not limited to:

• Secure telehealth visits via audio and video
• A virtual waiting room and simple check-in
• Secure in-visit chat with your provider
• Transcription and documentation support for your provider
• Text messages with visit links and reminders

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age, or have the consent of a parent or legal guardian.
• Be physically located in a state where your provider is licensed to practice at the time of service.
• Provide accurate, complete, and current information during registration and throughout your use of the Services.
• Have the legal capacity to enter into a binding agreement.

We reserve the right to refuse, suspend, or terminate service to any individual at our discretion, in accordance with applicable law and the clinical judgment of the treating provider.

4. Account Registration & Security

To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:

• Provide truthful, accurate, and complete information.
• Maintain the security of your login credentials and not share them with others.
• Notify us immediately of any unauthorized access to or use of your account.
• Accept responsibility for all activity that occurs under your account.

We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.

5. Telehealth Services

By using our telehealth services, you acknowledge and agree to the following:

• Nature of telehealth: Telehealth involves the delivery of health care services using electronic communications, including video conferencing, secure messaging, and audio-only consultations when clinically appropriate.
• Technology requirements: You are responsible for having a device with a reliable internet connection, functioning camera and microphone, and a private environment for consultations.
• Limitations: Telehealth may not be appropriate for all conditions. Your provider may determine that an in-person visit or referral to another provider is necessary.
• Informed consent: You may be asked to provide informed consent for telehealth services as required by applicable state law prior to your first appointment.
• Recording and transcription: Telehealth sessions are not video-recorded, and we do not store audio or video recordings of your sessions. The audio of your session may be transcribed and summarized, including by secure automated tools that use artificial intelligence, to support your provider's clinical documentation; transcripts and summaries created for this purpose become part of the medical record your provider maintains. Clinical notes are documented as part of that medical record. See our Privacy Policy for details.
• Prescribing: Any prescriptions are issued by your provider based on their clinical assessment and in compliance with applicable law. YBT Health is not involved in prescribing decisions.
• Geographic requirements: You must be physically located in a state where your provider is licensed at the time of each telehealth consultation. You are responsible for accurately disclosing your location at the time of service.

6. Communications Consent

By providing your contact information and using our Services, you consent to receive communications from YBT Health through the following channels:

Email Communications

We may send you emails related to your account, appointments, care, and administrative matters. You may opt out of non-essential emails by using the unsubscribe link in any email or by contacting us.

SMS & Text Messages

You can opt out of text messages at any time by replying STOP to any message. For help, reply HELP or contact us at support@oneybt.com or (310) 575-2649.

Your consent to receive text messages is not a condition of purchasing any goods or services from YBT Health. Opting out of text messages will not affect your ability to receive care.

We do not sell, rent, or share your phone number or messaging opt-in data with third parties for their marketing purposes.

Phone Calls

We may contact you by phone for appointment reminders and other service-related purposes. You may request to limit phone communications by contacting us.

7. Privacy & HIPAA

Your use of our Services is subject to our Privacy Policy, which describes how we collect, use, and protect your personal and health information. When YBT Health handles protected health information on behalf of your provider, it does so as a business associate under HIPAA and written agreements.

By using our Services, you acknowledge that electronic communication carries inherent risks to privacy, and you consent to the use of electronic means for the delivery of health care services and related communications.

8. Payment & Billing

YBT Health does not bill patients for healthcare services. Any fees for your care, including insurance matters, copayments, and balances, are set, billed, and collected by your provider or their practice, and are between you and them.

9. Intellectual Property

All content, features, and functionality of our Services — including but not limited to text, graphics, logos, icons, images, software, and design elements — are owned by YBT Health or our licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our Services without our prior written consent, except as necessary for your personal, non-commercial use of the Services as a patient.

10. Prohibited Conduct

You agree not to engage in any of the following while using our Services:

• Providing false, misleading, or inaccurate information during registration or in communications with providers.
• Using the Services for any unlawful purpose or in violation of these Terms.
• Attempting to gain unauthorized access to any part of the Services, other users' accounts, or our systems.
• Interfering with or disrupting the operation of the Services or the servers and networks used to make them available.
• Using automated means (bots, scrapers, etc.) to access or collect data from the Services.
• Impersonating another person or entity.
• Harassing, threatening, or abusing YBT Health staff, providers, or other users.
• Sharing or distributing prescription medications obtained through our Services.
• Using the Services to seek medications for non-legitimate medical purposes.

Violation of these prohibitions may result in immediate termination of your account and access to our Services, and may be reported to appropriate authorities.

11. Disclaimers

Please read the following disclaimers carefully:

• No emergency services: YBT Health does not provide emergency or crisis services. If you are in immediate danger or experiencing a medical emergency, call 911 or go to your nearest emergency room.
• Provider responsibility: Providers who deliver care through the platform do so in their own professional capacity. YBT Health does not practice medicine and is not responsible for the professional judgment, acts, or omissions of any provider.
• Not a substitute for in-person care: While telehealth is a clinically effective means of delivering many mental health services, it may not be appropriate for all conditions. Your provider will advise you if in-person care is recommended.
• No guaranteed outcomes: Mental health treatment outcomes vary by individual. We do not guarantee specific results from the use of our Services.
• "As is" platform: To the extent permitted by law, our platform and technology are provided on an "as is" and "as available" basis. We do not warrant that the Services will be uninterrupted, error-free, or secure at all times.
• Technology interruptions: Telehealth depends on internet connections, devices, and third-party networks that can fail or degrade without warning. Audio or video quality may be reduced, and sessions may be interrupted, delayed, or disconnected. If a session cannot be completed for technical reasons, we will work with you to reschedule or complete the visit by another means. Do not rely on the platform in an emergency. Call 911.
• Third-party services: Our Services may contain links to or integrations with third-party websites or services. We are not responsible for the content, privacy practices, or availability of those third-party services.

12. Limitation of Liability

To the fullest extent permitted by applicable law, YBT Health, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of or inability to use the Services.

Our total aggregate liability for any claims arising from or related to these Terms or the Services shall not exceed the total amount you paid to YBT Health in the twelve (12) months preceding the claim.

Nothing in these Terms shall limit or exclude liability that cannot be legally limited or excluded, including liability for gross negligence, willful misconduct, or any liability that cannot be excluded under applicable healthcare regulations.

13. Indemnification

You agree to indemnify, defend, and hold harmless YBT Health, Medicare Services Enterprises, LLC, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation of these Terms.
• Your use or misuse of the Services.
• Your violation of any applicable law or the rights of any third party.
• Any content or information you provide through the Services that is inaccurate, incomplete, or misleading.

14. Termination

Either party may terminate the relationship as follows:

• By you: You may stop using the Services and request account deactivation at any time by contacting us. Termination does not relieve you of any outstanding payment obligations.
• By us: We may suspend or terminate your access to the Services at any time if you violate these Terms, if continuing services is clinically inappropriate, or for any other lawful reason. We will provide reasonable notice when possible.

Upon termination, your right to access the Services will cease. We will retain your medical records and personal information as required by applicable law and as described in our Privacy Policy.

Sections that by their nature should survive termination — including Disclaimers, Limitation of Liability, Indemnification, and Governing Law — will continue to apply after termination.

15. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Services shall first be addressed through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may initiate binding arbitration in Sheridan County, Wyoming, in accordance with the rules of the American Arbitration Association.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights or confidential information.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

Arbitration Opt-Out

You have the right to opt out of the binding arbitration provision above by sending written notice to support@oneybt.com within thirty (30) days of first accepting these Terms. Your notice must include your full name, mailing address, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Sheridan County, Wyoming, and you consent to the personal jurisdiction of those courts.

16. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and YBT Health regarding your use of the Services. These Terms supersede any prior agreements, communications, or understandings, whether written or oral, relating to the subject matter herein.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of YBT Health.

Assignment

You may not assign or transfer these Terms, or any rights or obligations hereunder, without our prior written consent. Any attempted assignment in violation of this section shall be null and void. We may assign these Terms freely in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets.

Notices

We may provide notices to you by email to the address associated with your account, by SMS to your registered phone number, or by posting a notice on our Services. You are responsible for keeping your contact information current. Notices sent by email are deemed received on the date the email is sent. For legal notices to us, please send them to the mailing address or email listed in Section 18 of these Terms.

Force Majeure

YBT Health shall not be liable for any delay or failure to perform resulting from causes outside of our reasonable control, including but not limited to natural disasters, pandemics, acts of war or terrorism, government actions, power outages, internet or telecommunications failures, or third-party service disruptions.

Relationship of Parties

Nothing in these Terms shall be construed to create a joint venture, partnership, employment, or agency relationship between you and YBT Health. Healthcare providers using the platform maintain their own independent professional judgment regarding clinical care.

17. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you via email or a prominent notice within our Services.

Your continued use of the Services after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must stop using the Services.

18. Contact Us

If you have any questions or concerns about these Terms, please contact us: