Quilt Health Terms of Service

Last Updated: August 2026

Acceptance of These Terms of Service

Quilt Health, Inc. (“Quilt Health,” “we,” “us,” or “our”) provides our services (described below) and related content to you through our website(s) located at https://QuiltHealth.com (the “Site”, our mobile application available for download through the Apple App Store and Google Play (the “App”), and including any subscription services, updated or new features, functionality and technology, the “Service”). All access and use of the Service is subject to the terms and conditions contained in these Terms of Service (as amended from time to time, these “Terms of Service”). By accessing, browsing, downloading, installing, or otherwise using the Site, the App, or any other aspect of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not accept the terms and conditions of these Terms of Service, you will not access, browse, download, install, or otherwise use the Service.

We reserve the right, at our sole discretion, to change or modify portions of these Terms of Service at any time. If we do this, we will post the changes on this page and will indicate at the top of this page the date these Terms of Service were last revised. You may read a current, effective copy of these Terms of Service by visiting the “Terms of Service” link on the Site or within the App. The revised terms and conditions will become effective at the time of posting. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms of Service. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions. If you do not agree to abide by these or any future Terms of Service, you will not access, browse, or use (or continue to access, browse, or use) the Service.

Your Privacy

At Quilt Health, we respect the privacy of our users. For more information please see our Privacy Policy, located at https://QuiltHealth.com/privacy/ (the “Privacy Policy”). By using the Service, you consent to our collection, use and disclosure of personal data and other data as outlined therein.

Additional Terms

In addition, when using certain features through the Service, you will be subject to any additional terms applicable to such features that may be posted on or within the Service from time to time. All such terms are hereby incorporated by reference into these Terms of Service.

Access and Use of the Service

Your Registration Obligations

You may be required to register with Quilt Health or provide information about yourself (e.g., name and email address) in order to access and use certain features of the Service, such as our mailing list. Communications from us and our affiliated companies may include but are not limited to: operational communications concerning your account or the use of the Site or App, updates concerning new and existing features or Content on the Site or App, communications concerning promotions run by us or our third-party partners, and news concerning Quilt Health and industry developments. If you choose to register for the Service, you agree to receive communications from us, including via e-mail, mail, telephone, text message, and other means, and you agree to provide and maintain true, accurate, current, and complete information about yourself as prompted by the Service’s registration form, whether on the Site or within the App. Registration data and certain other information about you are governed by our Privacy Policy. If you wish to opt out of receiving our e-mail communications, you can unsubscribe from our mailing list by following the unsubscribe options in the e-mail itself.

Member Account, Password and Security

You are responsible for maintaining the confidentiality of your password and account details, if any, and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notify Quilt Health of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session when accessing the Service. When using the App, you should enable device-level security features such as passcode, biometric authentication, or screen lock to prevent unauthorized access to your account. Quilt Health and its current and future affiliates (collectively, “Quilt Health Affiliates”) will not be liable for any loss or damage arising from your failure to comply with this paragraph. We implement administrative, technical, and physical safeguards designed to protect information we process. Where we handle PHI on behalf of your provider, we do so in accordance with HIPAA and applicable BAAs.

Modifications to Service

Quilt Health reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Quilt Health and Quilt Health Affiliates will not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

General Practices Regarding Use and Storage

You acknowledge that Quilt Health may establish general practices and limits concerning use of the Service, including the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on Quilt Health’s or its third-party service providers’ servers on your behalf. You agree that Quilt Health has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that Quilt Health reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that Quilt Health reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

Conditions of Access and Use

User Conduct

You agree to not: (a) take any action that imposes an unreasonable load on the Site’s or the App’s infrastructure, (b) use any device, software or routine to interfere or attempt to interfere with the proper working of the Site, the App, or any activity being conducted on the Site or through the App, (c) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or making up the Site or the App, (d) engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods, (e) delete or alter any material posted on the Site or within the App by Quilt Health or any other person or entity, or (f) frame or link to any of the materials or information available on the Site or within the App.

If you are blocked by Quilt Health from accessing the Service (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address or virtual private network).

The Services do not provide medical advice and are not a substitute for professional diagnosis or treatment. Do not use the Services for emergencies. Call 911 or your local emergency number. The Service is not a medical device and does not create a patient-provider relationship.

Commercial Use

Unless otherwise expressly authorized herein or in the Service, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, grant access to, transfer, or otherwise use or exploit any portion of the Service for any commercial purposes. The Service is for your personal use.

Mobile Services and Software

Mobile Services

The Service includes the App and certain other services that are available via a mobile device, including the ability to access and use the Service through the App or to browse the Site from a mobile device (the “Mobile Services”). To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices.

App Store Terms. If you download the App from the Apple App Store, Google Play, or any other app distribution platform (each, an “App Store”), you acknowledge and agree that: (a) these Terms of Service are between you and Quilt Health only, and not with the App Store provider; (b) the App Store provider has no obligation to furnish any maintenance or support services with respect to the App; (c) in the event of any failure of the App to conform to any applicable warranty, the App Store provider is not responsible for any refund or other remedy; (d) the App Store provider is not responsible for addressing any claims by you or any third party relating to the App, including product liability claims, consumer protection claims, intellectual property claims, or any claim that the App fails to conform to any applicable legal or regulatory requirement; and (e) the App Store provider and its subsidiaries are third-party beneficiaries of these Terms of Service as related to your license to use the App, and the App Store provider will have the right to enforce these Terms of Service against you as a third-party beneficiary thereof. You must comply with any applicable App Store terms of service when using the App.

Ownership; Restrictions

The technology and software underlying the Service or distributed in connection therewith are the property of Quilt Health, Quilt Health Affiliates, and their licensors (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by Quilt Health.

Intellectual Property Rights

Service Content

The Service contains material, including but not limited to software, text, graphics and images, and other features (“Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. We may own the Content or portions of the Content may be made available to us through arrangements that we have with third-parties. Except as expressly authorized by Quilt Health, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Content, in whole or in part other than as specifically authorized herein. If you violate any part of this Agreement, your right to access and/or use the Content, Site, and App shall automatically terminate and you shall immediately destroy any copies you have made of the Content.

Trademarks

The Quilt Health name and logos are trademarks and service marks of Quilt Health (collectively the “Quilt Health Trademarks”). Other company, product, and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners. Nothing in these Terms of Service or the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Trademarks displayed on the Service, without our prior written permission specific for each such use. All goodwill generated from the use of Quilt Health Trademarks will inure to our exclusive benefit.

Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE QUILT HEALTH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE QUILT HEALTH PARTIES MAKE NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OR INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE QUILT HEALTH PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, OR DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE QUILT HEALTH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE SERVICE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT WILL THE QUILT HEALTH PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID QUILT HEALTH IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

Termination

You agree that Quilt Health, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Service and remove and discard any content within the Service, for any reason, including for lack of use or if Quilt Health believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of the Service, may be referred to appropriate law enforcement authorities. Quilt Health may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of these Terms of Service may be effected without prior notice, and acknowledge and agree that Quilt Health may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Uninstalling the App from your device does not automatically delete your account or your personal information; you must separately request account termination. Further, you agree that Quilt Health and Quilt Health Affiliates will not be liable to you or any third party for any termination of your access to the Service.

Dispute Resolution Through Arbitration

Any disagreement, claim, or controversy between you and Quilt Health that relates to these Terms of Service, your access or use of the Services, or any aspect of your relationship with Quilt Health, will be resolved by binding arbitration rather than in court (the “Arbitration Agreement”). You may still pursue qualifying claims in small claims court, and either party may seek court orders to protect intellectual property rights. This Arbitration Agreement applies to all claims, including those that arose before the effective date of these Terms, and it will continue even if your relationship with Quilt Health ends. This Arbitration Agreement is governed by the Federal Arbitration Act. Any arbitration will be administered by JAMS in accordance with the JAMS Consumer Arbitration Rules, as modified by this Arbitration Agreement.

Governing Law

These Terms of Service and any action related to these Terms of Service will be governed and construed in accordance with the Delaware General Corporation Law as to matters within the scope thereof, and all other matters shall be governed by and construed in accordance with the internal laws of the State of Delaware, without regard to its principles of conflicts of laws.

Questions? Concerns? Suggestions?

Please contact us via this form (https://quilthealth.com/contact-us) to report any violations of these Terms of Service or to pose any questions regarding these Terms of Service or the Service.

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