Terms of Service

Effective Date: November 2, 2025
Last Updated: November 2, 2025

Table of Contents

1. Acceptance of Terms
2. Description of Services
3. Medical Disclaimer & Limitations
4. Account Registration & Security
5. Telemedicine Consultations
6. Prescriptions & Pharmacy Services
7. Payments, Wallet & Refunds
8. AI-Powered Services & Limitations
9. User Conduct & Prohibited Activities
10. Intellectual Property Rights
11. Limitation of Liability
12. Indemnification
13. Termination & Account Suspension
14. Dispute Resolution & Arbitration
15. Governing Law & Jurisdiction
16. Miscellaneous Provisions
17. Contact Information

1. Acceptance of Terms

By accessing or using the Anjiy platform (mobile apps, website, or any related services), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws and regulations. These Terms apply to all users, including:

• Patients: Individuals seeking healthcare services
• Healthcare Providers: Licensed doctors, nurses, pharmacists, lab technicians
• Administrators: Healthcare facility staff and system administrators

Eligibility: You must be at least 18 years old (or the age of majority in your jurisdiction) to use our services independently. Minors may use the services with parental consent and supervision.

2. Description of Services

Anjiy provides a comprehensive healthcare technology platform offering:

2.1 Core Services

• Telemedicine Consultations: Video/audio appointments with licensed healthcare providers
• Appointment Scheduling: Book in-person or virtual appointments with doctors
• Electronic Prescriptions: Digital prescription management and pharmacy delivery
• Pharmacy Services: Medicine ordering, delivery, and medication management
• Lab Results: Secure access to laboratory test results and medical imaging
• Health Analytics: Personal health tracking (vitals, medications, immunizations)
• AI Symptom Checker: AI-powered preliminary health assessments (NOT medical diagnosis)
• Women's Health: Menstrual cycle tracking, pregnancy monitoring, fertility tracking
• Digital Wallet: Secure payment processing for healthcare services
• Insurance Integration: Insurance plan management and claims processing
• Hospital Finder: Locate nearby healthcare facilities
• Emergency Services: Access to emergency contact information and resources

2.2 Service Availability

• Services available 24/7 subject to doctor availability and regional regulations
• Operating in 52+ countries across Africa, Europe, Americas, Asia, and Oceania
• Service features may vary by region due to local laws and regulations
• We reserve the right to modify, suspend, or discontinue services without prior notice

3. Medical Disclaimer & Limitations

4. Account Registration & Security

4.1 Account Creation

To use Anjiy services, you must:

• Provide accurate, current, and complete information
• Verify your email address and phone number
• Create a secure password meeting our requirements
• Agree to these Terms and our Privacy Policy

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your password and security PIN
• All activities that occur under your account
• Notifying us immediately of unauthorized access: security@anjiy.tech
• Logging out after each session, especially on shared devices

4.3 Identity Verification

We may require identity verification for:

• Prescription services (government-issued ID)
• Financial transactions above certain thresholds
• Healthcare provider registration (medical licenses)
• Insurance claim processing

5. Telemedicine Consultations

5.1 Informed Consent for Telemedicine

By using telemedicine services, you consent to:

• Remote diagnosis and treatment via video/audio technology
• Recording of consultations for quality assurance and legal protection (with notice)
• Sharing of your medical information with the consulting healthcare provider
• Electronic transmission of prescriptions to pharmacies

5.2 Your Responsibilities During Consultations

• Provide accurate and complete medical history
• Be in a private, well-lit location with stable internet connection
• Disclose all current medications, allergies, and medical conditions
• Follow the provider's instructions and treatment plan
• Seek in-person care if recommended by the provider

5.3 Consultation Fees & Cancellations

• Fees: Consultation fees displayed before booking and are non-refundable after consultation begins
• Cancellation: Cancel up to 24 hours before appointment for full refund
• No-Show: Failure to join consultation within 15 minutes = no refund
• Provider Cancellation: Full refund if provider cancels

5.4 Technical Requirements

• Stable internet connection (minimum 2 Mbps recommended)
• Device with camera and microphone (for video consultations)
• Latest version of Anjiy mobile app or supported web browser
• We are not liable for technical failures affecting consultation quality.

6. Prescriptions & Pharmacy Services

6.1 Electronic Prescriptions

• Prescriptions issued by licensed healthcare providers via our platform
• Subject to local pharmacy laws and controlled substance regulations
• We do NOT guarantee any healthcare provider will prescribe specific medications
• Prescriptions transmitted electronically to your chosen pharmacy

6.2 Controlled Substances

6.3 Pharmacy Delivery

• Delivery times vary by location (typically 1-5 business days)
• Signature may be required for controlled substances
• We are not responsible for delivery delays caused by third-party couriers
• Check medication upon receipt; report damages within 24 hours

6.4 Medication Information

• Drug information provided for educational purposes only
• Always read medication labels and package inserts
• Consult pharmacist or doctor with questions about medications
• Report adverse reactions to your doctor immediately

7. Payments, Wallet & Refunds

7.1 Digital Wallet

• Currency: XAF (Central African Franc), USD, EUR, GBP depending on region
• Adding Funds: Credit/debit cards (Stripe), PayPal, bank transfer, mobile money
• Security: PIN required for all wallet transactions
• Balance Protection: Wallet balances are not FDIC-insured and are not bank accounts

7.2 Payment Processing

• Processors: Stripe, PayPal (PCI DSS Level 1 certified)
• Fees: Service fees, consultation fees, delivery charges disclosed before payment
• Currency Conversion: Foreign transaction fees may apply
• Failed Payments: Service may be suspended for insufficient funds or declined payments

7.3 Refund Policy

• Consultations: Full refund if cancelled 24+ hours before appointment
• Medications: No refunds on prescription medications once dispensed (FDA regulation)
• Services: Refunds processed to original payment method within 5-10 business days
• Disputes: Contact billing@anjiy.tech within 30 days

7.4 Insurance Claims

• We may submit claims to your insurance company on your behalf
• You are responsible for: Verifying insurance coverage, paying deductibles/copays, understanding plan benefits
• We are not responsible for: Insurance claim denials, coverage limitations, reimbursement delays

8. AI-Powered Services & Limitations

8.1 AI Symptom Checker

8.2 AI Recommendations

• AI suggestions are generated using Google Gemini AI and medical databases
• Results depend on information you provide (accuracy of input affects output)
• AI may not account for your complete medical history or unique circumstances
• We are not liable for decisions made based on AI recommendations

8.3 Data Used for AI Training

• We may use anonymized, de-identified health data to improve AI models
• No personally identifiable information (PII) or PHI is used for AI training without consent
• You can opt-out of AI training data usage in app settings

9. User Conduct & Prohibited Activities

9.1 Acceptable Use

You agree to use Anjiy services lawfully and appropriately. You will NOT:

• Provide false or misleading information
• Impersonate another person or entity
• Share your account credentials with others
• Use the platform for fraudulent purposes
• Attempt to obtain prescriptions for non-medical purposes (drug abuse, resale)
• Harass, threaten, or abuse healthcare providers or other users
• Upload malicious code, viruses, or harmful content
• Scrape, data mine, or reverse engineer the platform
• Violate any applicable laws or regulations

9.2 Healthcare Provider Obligations

Healthcare providers using Anjiy must:

• Maintain valid, current medical licenses in jurisdictions where they practice
• Comply with medical ethics, standards of care, and professional regulations
• Maintain professional liability insurance (malpractice coverage)
• Follow HIPAA and applicable data protection laws
• Provide truthful information about qualifications and specialties

9.3 Consequences of Violations

Violations may result in:

• Account suspension or termination
• Forfeiture of wallet balance
• Reporting to law enforcement
• Legal action for damages

10. Intellectual Property Rights

10.1 Anjiy Ownership

All content, features, and functionality of the Anjiy platform are owned by Anjiy Inc. and protected by:

• Copyright, trademark, patent, and trade secret laws
• International intellectual property treaties

Protected materials include: Software code, user interfaces, logos, branding, medical content, AI algorithms, databases, designs.

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Anjiy platform for personal, non-commercial healthcare purposes
• Download the mobile app on your personal device

You may NOT: Copy, modify, distribute, sell, lease, reverse engineer, or create derivative works.

10.3 User-Generated Content

By submitting content (reviews, feedback, photos), you grant Anjiy:

• A worldwide, royalty-free, perpetual license to use, reproduce, modify, and display your content
• The right to use your feedback to improve services
• Note: Your medical records and PHI are NOT considered "user-generated content" and remain your property

10.4 Trademarks

"Anjiy," the Anjiy logo, and related marks are trademarks of Anjiy Inc. Unauthorized use is prohibited.

11. Limitation of Liability

11.5 No Liability for Third Parties

We are not responsible for:

• Actions of independent healthcare providers
• Pharmacies, laboratories, or hospitals
• Third-party payment processors
• Delivery services
• Third-party websites or services linked from our platform

12. Indemnification

You agree to indemnify, defend, and hold harmless Anjiy Inc. from any claims, damages, liabilities, costs, and expenses (including legal fees) arising from:

• Your use or misuse of the platform
• Your violation of these Terms
• Your violation of any laws or regulations
• Your violation of third-party rights (intellectual property, privacy, etc.)
• Content you submit to the platform
• Your interactions with healthcare providers

13. Termination & Account Suspension

13.1 Termination by You

• You may close your account anytime via app settings or by emailing support@anjiy.tech
• Upon termination, you forfeit any unused wallet balance (except where prohibited by law)
• Medical records retained per legal requirements (7 years HIPAA), then securely deleted

13.2 Termination by Anjiy

We may suspend or terminate your account immediately without notice for:

• Violation of these Terms
• Fraudulent activity or payment disputes
• Abusive behavior toward healthcare providers or staff
• Suspected criminal activity
• Non-payment of fees
• Inactivity for 2+ years

13.3 Effect of Termination

• Access to services immediately terminated
• Outstanding fees become due immediately
• Wallet balance may be forfeited (check local laws)
• Medical records remain accessible for 30 days post-termination for download

14. Dispute Resolution & Arbitration

14.1 Informal Resolution

PLEASE CONTACT US FIRST: Before filing a legal claim, contact legal@anjiy.tech to attempt informal resolution. Most disputes can be resolved quickly and amicably.

14.2 Binding Arbitration (US Users)

14.3 Exceptions to Arbitration

The following disputes are NOT subject to arbitration:

• Small claims court actions (under $10,000)
• Intellectual property disputes (trademark, copyright infringement)
• Requests for injunctive relief

14.4 International Users

Non-US users: Disputes resolved under the laws of your country of residence. See Section 15 for governing law.

15. Governing Law & Jurisdiction

15.1 United States Users

• Governing Law: Delaware law (without regard to conflict of laws principles)
• Jurisdiction: Delaware state or federal courts (if arbitration doesn't apply)
• Federal Law: HIPAA, FDA, FTC regulations apply

15.2 European Union Users

• Governing Law: Laws of your EU member state
• Consumer Protection: EU consumer protection laws apply
• GDPR: EU data protection rights cannot be waived

15.3 Other Jurisdictions

• Cameroon: Cameroonian law governs
• Nigeria: Nigerian law governs
• Other Countries: Local laws of your country of residence

16. Miscellaneous Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Anjiy regarding use of our services.

16.2 Modifications

• We may update these Terms at any time
• You'll be notified 30 days before material changes take effect
• Continued use after notification = acceptance of new Terms
• If you don't agree to changes, you must stop using our services

16.3 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect.

16.4 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right.

16.5 Assignment

• You may not assign these Terms without our written consent
• We may assign these Terms to affiliates or in connection with a merger/acquisition

16.6 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control (natural disasters, wars, pandemics, government actions, internet outages).

16.7 Notices

Legal notices sent to:

• You: Email address on file
• Anjiy: legal@anjiy.tech or Anjiy Inc., [Address TBD], Delaware, USA

16.8 Language

These Terms are provided in English, French, German, and Spanish. In case of conflict, the English version prevails.

17. Contact Information

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