Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you ("you", "User") and PLAY PLAY CARDS S.R.L., a company incorporated under the laws of Romania, with registered seat at Str. Drumul Pescarilor nr. 16 A, Olimp, Constanța, 905503, Romania, registered with the Trade Register under no. J2026023005004, tax ID (CUI) 54439120 ("Company", "we", "us", "our"), operator of the website www.1000healthagents.com and any related domains, subdomains, mobile applications, APIs, newsletters and online services (collectively, the "Service"). By accessing, browsing, registering, subscribing to, or otherwise using the Service, you confirm that (a) you are at least 18 years old (or the age of majority in your jurisdiction) and have full legal capacity to enter into a binding contract; (b) you have read, understood and agreed to be bound by these Terms, the Privacy Policy, the Cookie Policy, the Medical Disclaimer, the Refund Policy and the DMCA Policy; and (c) if you are using the Service on behalf of an entity, you are authorized to bind that entity. If you do not agree to these Terms, you must not access or use the Service.

The Service provides educational, informational and editorial content about medical conditions, including AI-curated summaries of publicly available, peer-reviewed scientific literature, monthly newsletters and related media. The Service is delivered as digital content and online subscription services. The Service is NOT a healthcare provider, medical device, telemedicine platform, pharmacy, diagnostic service or clinical decision-support tool. Nothing on the Service constitutes medical advice — see our Medical Disclaimer.

The Service is intended for adults aged 18 or older. The Service is NOT directed to and may not be used by children under 13 (or under 16 where required by GDPR / Member State law). If you are under 18 but at least 13, you may only use the Service with the supervision and consent of a parent or legal guardian. We may, without notice, suspend or terminate any account that we believe belongs to a person who does not meet the eligibility requirements.

To purchase a paid subscription you must provide a valid email address. You are responsible for the accuracy of the information you provide and for safeguarding any access credentials. You agree that we may send you transactional communications (receipts, renewal notices, security alerts, service changes, account confirmations, refund notices). These communications are necessary for the performance of the contract and cannot be opted out of without terminating your account. Marketing communications are sent only with your consent (where consent is required) and can be unsubscribed from at any time using the link in each email.

5.1 Plans. The Service is offered through three paid subscription tiers — all of which deliver the same content (one AI-curated research newsletter per month for one selected medical condition) — and a free browsing tier: • Weekly — USD 12.99 billed every week. • Monthly — USD 19.99 billed every month. • Annual — USD 79.99 billed once per year. All prices are in US Dollars (USD) and are exclusive of any taxes or duties that may apply to you under local law; any applicable VAT, sales tax or similar will be calculated and displayed at checkout where required. 5.2 Free trial. All paid plans include a 7-day free trial. To start a trial you must provide a valid payment method. If you do not cancel before the end of the trial (day 8), you authorize us and our payment processor (Stripe) to automatically charge your payment method the recurring subscription fee for the plan you selected. 5.3 Auto-renewal. Your subscription will automatically renew at the end of each billing period at the then-current rate for your plan until you cancel. By starting a trial or subscribing you provide express, informed and recurring consent to such automatic charges (compliant with the U.S. Restore Online Shoppers' Confidence Act (ROSCA), the California Automatic Renewal Law (Bus. & Prof. Code §§ 17600-17606), New York Gen. Bus. Law § 527-a, and equivalent state automatic renewal statutes). We will provide reminders before each renewal where required by law. 5.4 Right to cancel. You may cancel your subscription at any time through your account dashboard or by emailing live@playplaycards.com — no phone call required, no retention process. Cancellation takes effect at the end of the then-current billing period and you retain access until that date. Cancellation is free of charge. 5.5 Price changes. We may change subscription prices. We will notify you of any price change at least 30 days in advance by email. The new price will only apply to billing periods starting after the notice period; you may cancel before the new price takes effect.

Payment is processed by Stripe, Inc. and its affiliates ("Stripe"). We do not see, store or process your full card number, CVC or other sensitive payment details. By submitting payment information you also agree to the Stripe Services Agreement (https://stripe.com/legal). You represent that you are authorized to use the payment method provided and that the information you submit is accurate. If a payment fails, we may retry the payment, suspend or downgrade your access until payment is successful, or terminate your subscription. You remain liable for any amounts owed.

7.1 30-day money-back guarantee. If you are not satisfied with a paid subscription, you may request a full refund of your first paid billing period within 30 days of the first paid charge (the trial does not count) by emailing live@playplaycards.com with the subject line "Refund Request". No reason is required. 7.2 EU/UK consumers — statutory right of withdrawal. See Section 17. 7.3 Other refunds. Outside the 30-day guarantee and any mandatory statutory rights, all charges are non-refundable to the maximum extent permitted by applicable law. No refunds are provided for partial billing periods, unused content, downgrades, or inactivity.

You agree not to, and not to permit any third party to: (a) scrape, crawl, harvest, mine or systematically extract content from the Service except as expressly authorized by us in writing; (b) use the Service to develop a competing product or to train, improve or evaluate any artificial-intelligence or machine-learning model; (c) reverse engineer, decompile or attempt to derive the source code or underlying algorithms of the Service, except to the extent such restriction is prohibited by applicable law; (d) interfere with or disrupt the Service or its infrastructure, including denial-of-service attacks, vulnerability scans without prior written authorization, or transmission of malware; (e) misrepresent your identity, impersonate any person or entity, or share your subscription with persons outside your household; (f) use the Service for unlawful, defamatory, harassing, hateful, infringing, obscene or otherwise objectionable purposes; (g) circumvent any access controls, geographic restrictions, rate limits or paywalls; (h) use the Service to provide medical, pharmaceutical, dietary, psychological or any other regulated advice to third parties; or (i) violate any applicable export-control, sanctions or anti-corruption laws. We may, at our sole discretion and without liability, investigate, block, suspend or terminate any account that we reasonably believe has engaged in prohibited conduct, and may report such activity to law enforcement.

Portions of the Service are generated or assisted by artificial-intelligence systems (including third-party large language models such as Anthropic Claude). AI outputs may be inaccurate, incomplete, outdated, biased, or contain "hallucinations". The Service does not guarantee the accuracy, completeness, timeliness or fitness for any particular purpose of any AI-generated content. You acknowledge that you use AI-generated content at your own risk and that you must independently verify any information before acting on it. You must not represent AI-generated content as having been authored or reviewed by a licensed medical professional unless we expressly state so.

The Service, including its text, graphics, logos, software, designs, compilations, structure and "look and feel", is owned by or licensed to the Company and is protected by Romanian Law no. 8/1996 on copyright and related rights, EU Directives 2001/29/EC and 2019/790 (DSM Directive), the United States Copyright Act of 1976, the Berne Convention, the WIPO Copyright Treaty and other applicable laws. Citations, quotations and summaries of third-party scientific literature are used under fair use / fair dealing / scientific quotation exceptions and the rights of the original authors and publishers are reserved. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access the Service for your own personal, non-commercial informational use only. No other rights are granted by implication, estoppel or otherwise. "1000HealthAgents", related logos and any other Company marks are trademarks of the Company. All other trademarks are the property of their respective owners.

If you submit any feedback, suggestions, ideas, reviews or other materials to us ("Submissions"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, publish and exploit such Submissions in any manner and for any purpose, without obligation, attribution or compensation. You represent that you own or control all rights necessary to grant this license and that the Submissions do not violate any third-party rights or applicable laws.

The Service may link to or integrate with third-party websites, applications or services (e.g., Stripe for payments, Google Analytics, Google Ads, email service providers, Supabase, Vercel, Anthropic). Such third parties operate under their own terms and privacy policies; we are not responsible for and do not control their content, practices or availability. Your use of any third-party service is at your own risk.

THE SERVICE IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE, DIAGNOSIS OR TREATMENT. ALWAYS SEEK THE ADVICE OF A QUALIFIED PHYSICIAN OR OTHER HEALTHCARE PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION. NEVER DISREGARD PROFESSIONAL MEDICAL ADVICE OR DELAY SEEKING IT BECAUSE OF SOMETHING YOU READ ON THE SERVICE. IN A MEDICAL EMERGENCY CALL 112 (EU), 911 (US/Canada), 999 (UK), 000 (AU) OR YOUR LOCAL EMERGENCY NUMBER IMMEDIATELY. See our Medical Disclaimer for the full text, which is incorporated by reference into these Terms.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, TITLE, QUIET ENJOYMENT, UNINTERRUPTED OR ERROR-FREE OPERATION, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NO ORAL OR WRITTEN INFORMATION OR ADVICE OBTAINED FROM US SHALL CREATE ANY WARRANTY. SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES, IN WHICH CASE THE ABOVE EXCLUSIONS APPLY TO THE EXTENT PERMITTED BY LAW AND DO NOT AFFECT YOUR STATUTORY CONSUMER RIGHTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS OR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES; (b) LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST GOODWILL, LOST DATA OR COST OF SUBSTITUTE SERVICES; OR (c) ANY DAMAGES ARISING FROM PERSONAL INJURY, HEALTH OUTCOMES, MEDICAL DECISIONS OR ACTIONS TAKEN OR NOT TAKEN BASED ON THE SERVICE OR ITS CONTENT, IN EACH CASE WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (i) THE AMOUNTS PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) USD 100. THE EXISTENCE OF MORE THAN ONE CLAIM SHALL NOT ENLARGE THIS LIMIT. NOTHING IN THESE TERMS LIMITS OR EXCLUDES (A) OUR LIABILITY FOR FRAUD, WILFUL MISCONDUCT, OR GROSS NEGLIGENCE; (B) DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE WHERE SUCH LIMITATION IS PROHIBITED BY LAW; OR (C) ANY OTHER LIABILITY WHICH CANNOT LAWFULLY BE LIMITED OR EXCLUDED.

16.1 Scope. THIS SECTION 16 APPLIES IF YOU RESIDE IN OR ARE LOCATED IN THE UNITED STATES OR CANADA (other than Quebec residents whose rights are addressed in Section 17.4). PLEASE READ CAREFULLY. 16.2 Informal resolution. Before initiating any formal proceeding, you and we agree to first try to resolve any dispute informally by emailing live@playplaycards.com with a description of the dispute and the relief sought. We will attempt to resolve the dispute in good faith for at least 60 days before any formal proceeding may be commenced. 16.3 Binding arbitration. Any dispute, claim or controversy arising out of or relating to these Terms, the Service, your account, any subscription, any communication, or your relationship with us (a "Dispute") that is not resolved informally shall be resolved exclusively by binding individual arbitration administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures and, for consumer disputes, JAMS' Consumer Minimum Standards. The arbitration shall be conducted by a single arbitrator, in the English language, and (unless otherwise agreed) seated in Wilmington, Delaware, USA. Either party may participate by phone or videoconference. 16.4 Class action waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. 16.5 Jury trial waiver. YOU AND WE EACH WAIVE ANY RIGHT TO A TRIAL BY JURY in any judicial proceeding regarding any Dispute, to the maximum extent permitted by law. 16.6 Opt-out. You may opt out of this Section 16 by emailing live@playplaycards.com within 30 days of first agreeing to these Terms, with the subject line "Arbitration Opt-Out" and including your full name, account email and a clear statement that you wish to opt out. Opting out does not affect any other provision of these Terms. 16.7 Carve-outs. Either party may bring an individual action in small-claims court for Disputes within that court's jurisdiction. Either party may also seek injunctive or equitable relief in a court of competent jurisdiction for actual or threatened infringement of intellectual property or breach of confidentiality. 16.8 Federal Arbitration Act. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this Section 16. 16.9 Severability of the class waiver. If the class action waiver in Section 16.4 is found to be unenforceable in any case, that case shall be severed from arbitration and brought in the courts identified in Section 18, but the remainder of Section 16 shall remain in effect.

17.1 Mandatory consumer rights. If you are a consumer resident in the EU, EEA, UK or Switzerland, you benefit from all mandatory rights granted by your local consumer-protection laws, which override anything in these Terms that conflicts with them. Nothing in these Terms (including the choice-of-law and dispute clauses) deprives you of the protection of the law of the country where you have your habitual residence (Article 6 of EU Regulation 593/2008 (Rome I)). 17.2 Right of withdrawal — 14-day cooling-off period. Under Directive 2011/83/EU on Consumer Rights, you have the right to withdraw from any paid subscription contract within 14 days of the conclusion of the contract, without giving any reason. To exercise this right you must inform us of your decision by an unequivocal statement (e.g., letter sent by post or email to live@playplaycards.com). You may use the model withdrawal form below. 17.3 EXPRESS WAIVER FOR IMMEDIATE DIGITAL CONTENT. Because the Service is digital content supplied not on a tangible medium and we begin performance immediately upon purchase (i.e., you receive immediate access to the paid content), pursuant to Article 16(m) of Directive 2011/83/EU you EXPRESSLY CONSENT and ACKNOWLEDGE THAT YOU LOSE YOUR RIGHT OF WITHDRAWAL once we begin performance of the contract with your prior express consent. We obtain this express consent and acknowledgment when you tick the consent checkbox on the checkout page. NOTWITHSTANDING THE FOREGOING, our 30-day money-back guarantee (Section 7.1) remains available to you and is more favourable than the statutory cooling-off period in many cases. Model withdrawal form: "To PLAY PLAY CARDS S.R.L., Str. Drumul Pescarilor nr. 16 A, Olimp, Constanța, 905503, Romania, live@playplaycards.com — I hereby give notice that I withdraw from my contract for the supply of the following service: ____. Ordered on: ____. Name: ____. Address: ____. Signature (if sent on paper): ____. Date: ____." 17.4 Quebec consumers. If you reside in Quebec, the courts of the district of Montreal shall have jurisdiction over any dispute, and the law of Quebec shall apply, to the extent that any mandatory provision of Quebec law overrides Sections 16 and 18. The arbitration agreement in Section 16 does not apply to Quebec consumers to the extent prohibited by Quebec law. 17.5 Romanian and Member State consumer authorities. As a consumer you also have the right to file a complaint with the consumer protection authority of your country of residence. Romanian consumers may contact ANPC (Autoritatea Națională pentru Protecția Consumatorilor) at https://anpc.ro. 17.6 EU Online Dispute Resolution (ODR). The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr. You may use that platform to attempt to settle a dispute, although we are not obliged to use it and prefer that you contact us first at live@playplaycards.com.

18.1 For users in the United States (and Canada, subject to Section 17.4): these Terms and any Dispute are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles, and (subject to mandatory arbitration in Section 16) the state and federal courts located in Wilmington, Delaware shall have exclusive jurisdiction. 18.2 For users in the EU, EEA, UK, Switzerland and the rest of the world: these Terms are governed by the laws of Romania, without regard to its conflict-of-laws principles. The courts of Constanța, Romania shall have exclusive jurisdiction, subject to (i) any mandatory consumer protection laws of your country of residence (Section 17.1) and (ii) your right to bring proceedings in the courts of your habitual residence under Article 18(1) of EU Regulation 1215/2012 (Brussels I recast). 18.3 The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

To the maximum extent permitted by applicable law, you agree to defend, indemnify and hold harmless the Company, its affiliates, officers, directors, employees, agents and licensors from and against any and all claims, actions, demands, losses, damages, fines, penalties, costs and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Service; (b) your breach of these Terms; (c) your violation of any law or third-party right; (d) any decision or action you or anyone else takes or fails to take based on the Service or its content, including any medical, health, financial or lifestyle decision; or (e) any content you submit or transmit through the Service. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification, in which case you agree to cooperate.

You may terminate your account at any time by cancelling your subscription and emailing live@playplaycards.com. We may suspend or terminate your access at any time, with or without notice, for any reason, including any actual or suspected breach of these Terms, fraud, chargeback abuse, payment failure, legal compliance, or discontinuation of the Service. Termination does not entitle you to a refund except as provided in Section 7 or required by law. Sections 8-19 and 21-28 survive termination.

We may, at our sole discretion and at any time, modify, suspend or discontinue all or any portion of the Service, with or without notice. We will not be liable to you or any third party for any modification, suspension or discontinuation of the Service.

We may update these Terms from time to time. The most recent version will always be posted at this URL with an updated "Last Updated" date. If we make material changes (for example, to billing, dispute resolution or your rights), we will give you reasonable advance notice, typically at least 30 days before they take effect, by email and/or by a notice on the Service. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of the changes. If you do not agree to the changes you must stop using the Service before they take effect.

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, war, terrorism, civil unrest, epidemics, pandemics, government restrictions, labour disputes, internet or telecommunications failures, cyber-attacks, denial-of-service attacks, third-party service outages, or failures of payment processors or hosting providers.

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent; any attempted assignment without consent is void. We may assign these Terms freely, including in connection with any merger, acquisition, reorganization, or sale of all or substantially all of our assets.

If any provision of these Terms is held to be unlawful, void or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. Our failure to enforce any right or provision is not a waiver of such right or provision.

These Terms, together with the Privacy Policy, Cookie Policy, Medical Disclaimer, Refund Policy and DMCA Policy (each incorporated by reference), constitute the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous communications, proposals or agreements, whether oral or written, between you and us.

You represent and warrant that (a) you are not located in any country subject to a comprehensive U.S. or EU embargo (currently including Cuba, Iran, North Korea, Syria and the so-called "DNR/LNR/Crimea" regions of Ukraine) and (b) you are not on any U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Persons List or any analogous EU, UK or UN sanctions list.

All notices to us (legal, support, billing, privacy, copyright/DMCA, accessibility) must be sent to: PLAY PLAY CARDS S.R.L. Str. Drumul Pescarilor nr. 16 A, Olimp, Constanța, 905503, Romania Email: live@playplaycards.com