(646) 396 - 0527
Last updated: January 22, 2024
NOTICE OF PRIVACY PRACTICES
THIS NOTICE DESCRIBED HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
We at Kible are required by law to maintain the privacy of Protected Health Information (“PHI”) and to provide you with notice of our legal duties and privacy practices with respect to PHI. PHI is information that may identify you and that relates to your past, present, or future physical or mental health or condition, the provision of health care products and services to you or payment for such services. This notice describes how we may use and disclose PHI about you, as well as how you obtain access to such PHI. This notice also describes your rights with respect to your PHI. We are required by HIPAA to provide this notice to you.
Kible is required to follow the terms of this notice or any change to it that is in effect. We reserve the right to change our practices and this notice and to make the new notice effective for all PHI we maintain. If we do so, the updated notice will be posted on our website. Upon request, we will provide any revised notice to you.
How We May Use or Disclose Your PHI
The following categories describe different ways that we use and disclose your PHI. We have provided you with examples in certain categories; however, not every permissible use or disclosure will be listed in this notice. Note that some types of PHI, such as HIV information, genetic information, alcohol and/or substance abuse records, and mental health records may be subject to special confidentiality protections under applicable state or federal law and we will abide by these special protections.
Uses and Disclosures Of PHI That Do Not Require Your Prior Authorization
Except where prohibited by federal or state laws that require special privacy protections, we may use and disclose your PHI for treatment, payment and health care operations without your prior authorization as follows:
Treatment.
We may use and disclose your PHI to provide and coordinate the treatment, medications and services you receive. For example, we may disclose PHI to pharmacists, doctors, nurses, technicians and other personnel involved in your health care. We may also disclose your PHI with other third parties, such as hospitals, other pharmacies and other health care facilities and agencies to facilitate the provision of health care services, medications, equipment and supplies you may need. This helps to coordinate your care and make sure that everyone who is involved in your care has the information that they need about you to meet your health care needs.
Payment.
We may use and disclose your PHI in order to obtain payment for the health care products and services that we provide to you and for other payment activities related to the services that we provide. For example, we may contact your insurer, pharmacy benefit manager or other health care payor to determine whether it will pay for health care products and services you need and to determine the amount of your co-payment. We will bill you or a third-party payor for the cost of health care products and services we provide to you. The information on or accompanying the bill may include information that identifies you, as well as information about the services that were provided to you or the medications you are taking. We may also disclose your PHI to other health care providers or HIPAA covered entities who may need it for their payment activities.
Health Care Operations.
We may use and disclose your PHI for our health care operations. Health care operations are activities necessary for us to operate our health care businesses. For example, we may use your PHI to monitor the performance of the staff and pharmacists providing treatment to you. We may use your PHI as part of our efforts to continually improve the quality and effectiveness of the health care products and services we provide. We may also analyze PHI to improve the quality and efficiency of health care, for example, to assess and improve outcomes for health care conditions. We may also disclose your PHI to other HIPAA covered entities that have provided services to you so that they can improve the quality and effectiveness of the health care services that they provide. We may use your PHI to create de-identified data, which is stripped of your identifiable data and no longer identifies you.
We may also use and disclose your PHI without your prior authorization for the following purposes:
Business Associates.
We may contract with third parties to perform certain services for us, such as billing services, copy services or consulting services. These third party service providers, referred to as Business Associates, may need to access your PHI to perform services for us. They are required by contract and law to protect your PHI and only use and disclose it as necessary to perform their services for us.To Communicate with Individuals Involved in Your Care or Payment for Your Care. We may disclose to a family member, other relative, close personal friend, or any other person you identify, PHI directly relevant to that person's involvement in your care or payment related to your care. Additionally, we may disclose PHI to your "personal representative." If a person has the authority by law to make health care decisions for you, we will generally regard that person as your "personal representative" and treat him or her the same way we would treat you with respect to your PHI.
Worker's Compensation.
To the extent necessary to comply with law, we may disclose your PHI to worker's compensation or other similar programs established by law.
Public Health
We may disclose your PHI to public health or legal authorities charged with preventing or controlling disease, injury, or disability, including the FDA. In certain circumstances, we may also report work-related illnesses and injuries to employers for workplace safety purposes.
Law Enforcement
We may disclose your PHI for law enforcement purposes as required or permitted by law for example, in response to a subpoena or court order, in response to a request from law enforcement, and to report limited information in certain circumstances.As Required by Law. We will disclose your PHI when required to do so by federal, state or local law.
Health Oversight Activities.
We may disclose your PHI to an oversight agency for activities authorized by law. These oversight activities include audits, investigations, inspections, and credentialing, as necessary for licensure and for the government to monitor the health care system, government programs and compliance with civil rights laws.
Judicial and Administrative Proceedings.
If you are involved in a lawsuit or a dispute, we may disclose your PHI in response to a court or administrative order. We may also disclose your PHI in response to a subpoena, discovery request, or other lawful process instituted by someone else involved in the dispute, but only if efforts have been made, either by the requesting party or us, to first tell you about the request or to obtain an order protecting the information requested.
Research.
We may use your PHI to conduct research and we may disclose your PHI to researchers as authorized by law. For example, we may use or disclose your PHI as part of a research study when the research has been approved by an institutional review board or privacy board that has reviewed the research proposal and established protocols to ensure the privacy of your information.
Coroners, Medical Examiners and Funeral Directors.
We may release your PHI to coroners or medical examiners so that they can carry out their duties. This may be necessary, for example, to identify a deceased person or determine the cause of death. We may also disclose PHI to funeral directors consistent with applicable law to enable them to carry out their duties.
Organ or Tissue Procurement Organizations.
Consistent with applicable law, we may disclose your PHI to organ procurement organizations or other entities engaged in the procurement, banking, or transplantation of organs for the purpose of tissue donation and transplant.
Notification.
We may use or disclose your PHI to notify or assist in notifying a family member, personal representative, or another person responsible for your care, regarding your location and general condition.
Disaster Relief.
We may use and disclose your PHI to organizations for purposes of disaster relief efforts.Correctional Institution. If you are or become an inmate of a correctional institution, we may disclose to the institution, or its agents, PHI necessary for your health and the health and safety of other individuals.
To Avert a Serious Threat to Health or Safety.
We may use and disclose your PHI when necessary to prevent a serious threat to your health and safety or the health and safety of the public or another person.
Military and Veterans.
If you are a member of the armed forces, we may release PHI about you as required by military command authorities. We may also release PHI about foreign military personnel to the appropriate foreign military authority.
National Security, Intelligence Activities, and Protective Services for the President and Others.
We may release PHI about you to federal officials for intelligence, counterintelligence, protection of the President, and other national security activities authorized by law.
Victims of Abuse or Neglect.
We may disclose PHI about you to a government authority if we reasonably believe you are a victim of abuse or neglect. We will only disclose this type of information to the extent required by law, if you agree to the disclosure, or if the disclosure is allowed by law and we believe it is necessary to prevent serious harm to you or someone else.
Uses and Disclosures of PHI that Require Your Prior Authorization
Specific Uses or Disclosures Requiring Authorization.
We will obtain your written authorization for the use or disclosure of psychotherapy notes, use or disclosure of PHI for marketing, and for the sale of PHI, except in limited circumstances where applicable law allows such uses or disclosure without your authorization.
Other Uses and Disclosures.
We will obtain your written authorization before using or disclosing your PHI for purposes other than those described in this Notice or otherwise permitted by law. You may revoke an authorization in writing at any time. Upon receipt of the written revocation, we will stop using or disclosing your PHI, except to the extent that we have already taken action in reliance on the authorization.
Your Health Information Rights:
Obtain a paper copy of the Notice upon request.
You may request a copy of our current Notice at any time. Even if you have agreed to receive the Notice electronically, you are still entitled to a paper copy. You may obtain a paper copy at the site where you obtain health care services from us by emailing us at help@kible.health or calling us at (415) 741-5420.
Request a restriction on certain uses and disclosures of PHI.
You have the right to request additional restrictions on our use or disclosure of your PHI. We are not required to agree to the restrictions, except in the case where the disclosure is to a health plan for purposes of carrying out payment or health care operations, is not otherwise required by law, and the PHI pertains solely to a health care item or service for which you, or a person on your behalf, has paid in full.
Inspect and obtain a copy of PHI.
With a few exceptions, you have the right to access and obtain a copy of the PHI that we maintain about you. If we maintain an electronic health record containing your PHI, you have the right to request to obtain the PHI in an electronic format. You may ask us to send a copy of your PHI to other individuals or entities that you designate. We may deny your request to inspect and copy in certain limited circumstances. If you are denied access to your PHI, you may request that the denial be reviewed.
Request an amendment of PHI.
If you feel that PHI we maintain about you is incomplete or incorrect, you may request that we amend it.Receive an accounting of disclosures of PHI. With the exception of certain disclosures, you have a right to receive a list of the disclosures we have made of your PHI, in the six years prior to the date of your request, to entities or individuals other than you.
Request communications of PHI by alternative means or at alternative locations.
You have the right to request that we communicate with you about health matters in a certain way or at a certain location. For instance, you may request that we contact you at a different residence or post office box, or via e-mail or other electronic means. Please note if you choose to receive communications from us via e-mail or other electronic means, those may not be a secure means of communication and your PHI that may be contained in our e-mails to you will not be encrypted. This means that there is risk that your PHI in the e-mails may be intercepted and read by, or disclosed to, unauthorized third parties.
Notification of a Breach.
You have a right to be notified following a breach of your unsecured PHI, and we will notify you in accordance with applicable law.
For More Information or to Report a Problem.
If you have questions or would like additional information about Kible’s privacy practices, you may contact us via email or help@kible.health or by calling us at (415) 741-5420. If you believe your privacy rights have been violated, you can file a complaint with us or with the Secretary of Health and Human Services. There will be no retaliation for filing a complaint.
Effective Date
This notice is effective as of January 22, 2024.
Last updated: May 20, 2024
ASSIGNMENT OF BENEFITS AND PAYMENT
Assignment of Benefits
I hereby irrevocably assign and transfer to Kible any monies or benefits to which I may be entitled, including benefits/monies from governmental payers such as Medicare, my insurance company, HMO, or other third parties who are financially responsible for my medical care (each a “Plan” and collectively the “Plans”). I authorize and direct Kible and its physicians, employees, and agents, having treated me, to release to such payers or other third parties who are financially responsible for my medical care, all information needed (including but not limited to medical records, copies of claims and itemized bills) to substantiate payment for my medical care and to permit representatives thereof to examine and make copies of all records relating to such care and treatment. I also appoint Kible as my authorized representative to pursue all rights of payment, to ascertain the benefits available, to collect benefits directly from my insurance company and to appeal denials and proceed against my insurance company in any action, including legal suit, on my behalf if for any reason my insurance company refuses to pay my claim. The appointment shall include all rights to recover attorney’s fees and costs for such action brought by Kible as my assignee. I further agree to provide information as necessary and to cooperate with Kible to process and obtain payments. I understand that this document is a direct assignment of my rights and benefits under my Plans.
Patients Entitled to Medicare Benefits
I certify that the information given by me in applying for payment under Title XVIII of the Social Security Act is correct. I authorize any holder of medical information about me to release it to the Social Security Administration and Centers for Medicare and Medicaid Services or its intermediaries or carriers for the purpose of payment. I request that payment of authorized benefits related to my care be assigned to Kible.
Recognition of Separation
Kible is separate from Find Kible Inc., which conducts payment and administrative services for Kible.
Guarantee
I understand that I am financially responsible for charges not covered by insurance. I agree to pay all amounts for which I am responsible for medical services rendered in accordance with the rates and terms of Kible or as determined by my Plan.
Digital Copy
I agree a digital copy of this agreement shall be valid as the original.
Kible Privacy Policy
Thank you for choosing to be part of our community at Find kible, Inc. ,doing business as kible. We are committed to protecting your personal information and your right of privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at privacy@kible.health.
When you visit our website at https://www.kible.health and use our software services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. This privacy policy applies to all information collected through our kible websites and application sites and/or any related services, sales, marketing or events-related websites (we refer to them collectively in this privacy policy as the “Sites”).
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us.
We collect personal information that you provide to us such as name, address, contact information, passwords and security data, and payment information.
We collect personal information that you provide to us such as name, address, contact information, passwords and security data and payment information.
We collect personal information that you voluntarily provide to use when expressing an interest in obtaining information about us or our products and services, when participating in activities on the Sites (such as posting messages in our client communication platform or entering other client data) or otherwise contacting us.
The personal information that we collect depends on the context of your interactions with us and the Sites, the choices you make and the products and features you use. The personal information we collect can include the following:Last updated: May 13, 2024
Name and Contact Data.
We collect your first and last name, email address, postal address, phone number, and other similar contact or demographic information.
We collect passwords, password hints and similar security information used for authentication and account access.
Payment Data.
We collect data necessary to process your payment if you subscribe to our services, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by our payment processor and you should review its privacy policies and contact the payment processor directly to respond to your questions.
Information automatically collected
Some information – such as IP address and/or browser and device characteristics – is collected automatically when you visit our Sites.
We automatically collect certain information when you visit, use or navigate the Sites. This information does not reveal your specific identity (like your name or contact information) but may include device usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Sites and other technical information. This information is primarily needed to maintain the security and operation of our Sites, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.
Information collected from other sources
We may collect limited data from public databases, marketing partners, and other outside sources.
We may obtain information about you from other sources, such as public databases, joint marketing partners, as well as from other third parties. Examples of the information we receive from other sources include: social media profile information; marketing leads and search results and links, including paid listings (such as sponsored links).
HOW DO WE USE YOUR INFORMATION?
We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our Sites for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests (“Business Purposes”) and/or for compliance with our legal obligations (“Legal Reasons”). We indicate specific processing grounds we rely on next to each purpose listed below.
We use the information we collect or receive:
- To facilitate account creation and logon process with your Consent. If you choose to link your account with us to a third-party account (such as your Google or Facebook account), we use the information you allowed us to collect from those third parties to facilitate account creation and login processes.
- To send you marketing and promotional communication for Business Purposes and to communicate new features and/or bugs. You may opt-out of our marketing emails at any time.
- To send administrative information to you for Business Purposes or Legal Reasons. We may use your personal information to send you product, service and new feature information and/or information about change to our terms, conditions and policies.
- Fulfill and manage your orders and appointments.. We may use your information to fulfill and manage your orders, payments, refunds, made through the Sites.
- Deliver targeted advertising to you for our Business Purposes. We may use your information to develop and display content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.
- Request Feedback for our Business Purposes and/or for Legal Reasons. We may use your information as part of our efforts to keep our Sites safe and secure (for example, for fraud monitoring and prevention).
- To enable user-user communication with your Consent. We may use your information in order to enable user-to-user communication with each user’s consent.
- To enforce our terms, conditions and policies for Business Purposes and/or Legal Reasons.
- To respond to legal requests. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.
- For other Business Purposes. We may use your information for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Sites, products, services, marketing and your experience.
WILL YOUR INFORMATION BE SHARED WITH ANYONE?
We only share information with your consent, to comply with laws, to protect your rights, or to fulfill business obligations.
We only share and disclose your information in the following situations:
- Compliance with Laws. We may disclose your information where we are legally required to do so in order to comply with applicable law, government requests, a judicial proceeding, court order, or legal process, such as in response to a court order or subpoena (including in response to public authorities to meet national security or law enforcement requirements).
- Vital Interests and Legal Rights. We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or portion of our business to another company.
- Third-Party Advertisers. We may use third-party advertising companies to serve ads when you visit the Sites. These companies may use information about your visits to our Website(s) and other websites that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you.
- With your Consent. We may disclose your personal information for any other purpose with your consent.
DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information.
HOW LONG DO WE KEEP YOUR INFORMATION?
We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).
When we have no ongoing legitimate Business Purpose to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
HOW DO WE KEEP YOUR INFORMATION SAFE?
We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process.. Although we will do our best to protect your personal information, the download of transmission of personal information to and from our Sites is at your own risk. You should only access the services within a secure environment.
DO WE COLLECT INFORMATION FROM MINORS?
We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to minors. By using the Sites, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Sites. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from minors please contact us at privacy@kible.health
CALIFORNIA RESIDENTS
The information in the section California Residents supplements the information in our Privacy Policy above, and except as provided herein, applies solely to California residents.
Summary of Information We Collect
California law requires us to disclose information regarding the categories of personal information that we have collected about California consumers (as that term is defined in the California Consumer Privacy Act ("CCPA")), the categories of sources from which the information was collected, the business or commercial purposes (as those terms are defined by applicable law) for which the information was collected, and the categories of parties with whom we share personal information.
We or our service providers may collect the below categories of information for the following business or commercial purposes (as those terms are defined in applicable law):
Providing the Service (e.g., account servicing and maintenance, matching freelancer talent with client needs, customer service, advertising and marketing, analytics, and communication about the Service);
Our or our service providers' operational purposes;
Auditing consumer interactions on our site (e.g., measuring ad impressions);
Detecting, protecting against, and prosecuting privacy and security incidents and fraudulent or illegal activity;
Bug detection, error reporting, and activities to maintain the quality or safety of our Service;
Investigating compliance with, enforcing, and/or complying with the law;
Short-term, transient use, such as customizing content that we or our service providers display on the Service;
Improving our existing Service and developing new services (e.g., by conducting research to develop new products or features);
Other uses that advance our commercial or economic interests, such as third party advertising and communicating with you about relevant offers from us or third party partners;
Other uses about which we notify you.
If you are a California resident, you may have certain rights. California law may permit you to request that we:
Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information.
Provide access to and/or a copy of certain information we hold about you.
Delete certain information we have about you.
You may have the right to receive information about the financial incentives that we offer to you, if any. You also have the right to not be discriminated against (as provided for in applicable law) for exercising certain of your rights.
If you would like to exercise any of these rights, please submit a request through the Data Request Form available in our Privacy Center or email us at privacy@kible.health. You will be required to verify your identity before we fulfill your request. You can also designate an authorized agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.
Certain information may be exempt from such requests under applicable law. For example, we need certain types of information so that we can provide the Service to you. If you ask us to delete it, you may no longer be able to access or use the Service.
The CCPA sets forth certain obligations for businesses that “sell” personal information. Based on the definition of “sell” under the CCPA and under current regulatory guidance, we do not believe we engage in such activity and have not engaged in such activity in the past twelve months.
DO WE MAKE UPDATES TO THIS POLICY?
We may change this Privacy Policy. If we make substantial changes, we will provide notice.
kible may update this Privacy Policy at any time and any changes will be effective upon posting. In the event that there are substantial changes to the way we treat your Personal Information, we will display a notice through the Services prior to the change becoming effective. We may also notify you by email, in our discretion. However, we will use your Personal Information in a manner consistent with the Privacy Policy in effect at the time you submitted the information, unless you consent to the new or revised policy.
HOW CAN YOU CONTACT US ABOUT THIS POLICY?
If you have questions or comments about this policy, you may email us at privacy@kible.health or mail to:
Find kible, Inc.
3571 Far West Blvd #3219
Austin, TX 78731
Last updated: January 20, 2025
These terms of use (“Terms of Use”) set forth the terms and conditions of Find kible, Inc. (“us”, “our”, and "kible") applicable to your (“you”, “your” and “yourself”) use of the kible website located at www.kible.health, and any related software, applications, services and/or products (collectively the “Platform”), including without limitation your use of the Platform to obtain services as a "Client" and / or your use of the Platform to perform services as an "Advocate." Your use of the Platform constitutes your agreement to all of the terms and conditions in the Terms of Use, and kible encourages you to read the Terms of Use carefully. By using the Platform, you agree that you have read and understood, and as a condition to your use of the Platform, you agree to be bound by the following Terms of Use, including kible’s Privacy Policy.
IF YOU OBJECT TO ANYTHING IN THE TERMS OF USE, INCLUDING THE JURY WAIVER AND CLASS ACTION WAIVER IN SECTION 18, OR OTHERWISE DO NOT UNDERSTAND OR AGREE TO BE BOUND BY THESE TERMS OF USE, DO NOT USE THE PLATFORM AND EXIT IMMEDIATELY, AS YOU ARE NOT AUTHORIZED TO USE THE PLATFORM. IF YOU ARE USING THE PLATFORM ON BEHALF OF SOMEONE ELSE INCLUDING, WITHOUT LIMITATION, A MINOR CHILD, ADULT RELATIVE, FRIEND, ASSOCIATE, CLIENT, CUSTOMER OR OTHER THIRD PARTY (COLLECTIVELY, “THIRD PARTY”), YOU REPRESENT, WARRANT AND COVENANT THAT YOU HAVE THE AUTHORITY TO AGREE TO THE TERMS OF USE ON SUCH THIRD PARTY’S BEHALF AND TO BIND SUCH THIRD PARTY TO THE TERMS OF USE. TO THE EXTENT YOU DO NOT HAVE THE AUTHORITY TO AGREE TO THE TERMS OF USE ON SUCH THIRD PARTY’S BEHALF AND/OR TO BIND SUCH THIRD PARTY TO THE TERMS OF USE, YOU SHALL BE SOLELY AND EXCLUSIVELY LIABLE FOR SUCH THIRD PARTY’S DAMAGES, INJURIES, LOSSES AND LIABILITIES ASSOCIATED WITH YOUR USE OF THE PLATFORM ON SUCH THIRD PARTY’S BEHALF. FURTHER, YOU AGREE TO INDEMNIFY kible FOR ANY AND ALL THIRD PARTY DISPUTES, DEMANDS, CLAIMS, CONTROVERSIES, CAUSES OF ACTIONS, LAWSUITS AND PROCEEDINGS (COLLECTIVELY, “DISPUTES”) IN ANY WAY RELATED TO YOUR USE OF THE PLATFORM ON SUCH THIRD PARTY’S BEHALF AND/OR SUCH THIRD PARTY’S DAMAGES, INJURIES, LOSSES AND LIABILITIES ASSOCIATED WITH SERVICES PERFORMED BY ADVOCATES.
For purposes of the Terms of Use, “kible” means and includes kible and its subsidiaries and affiliates, and its and their investors, officers, directors, employees, agents, representatives and assigns. “User” means each person who accesses or uses the Platform, including Clients and Advocates.
You understand and agree that kible may revise, modify and/or supplement the Terms of Use (the “Revised Terms of Use”) at any time. Please check these Terms of Use periodically for changes. Any such Revised Terms of Use will be effective immediately after notice is sent to you via email to the email address you last provided to kible. It is your responsibility to provide kible with your most recent email address. If you do not agree to such Revised Terms of Use, you must stop using the Platform and close your account. You can deactivate your account by emailing us at deactivate@kible.health. By continuing to use the Platform following notice, or by failing to deactivate your account, you hereby expressly agree to be bound by such Revised Terms of Use and acknowledge that your continued use of the Platform is valid consideration for such Revised Terms of Use.
1. Privacy Policy
Refer to the kible Privacy Policy at https://kible.health/privacy-policy for information on how kible collects, stores, uses and discloses information about you.
2. License
Subject to the terms and conditions set forth in the Terms of Use, kible grants you a nonexclusive, nontransferable, revocable license to access and use the Platform solely as intended. Rights not expressly granted to you in the Terms of Use are reserved by kible.
3. Platform Eligibility
To be eligible to use the Platform, you represent, warrant and covenant that you: (A) Are eighteen (18) years of age or older - the Platform is not intended for use by anyone under the age of eighteen (18) years old; (B) Have full power and authority to enter into the Terms of Use and to be bound by the Terms of Use; (C) Will not violate any other agreement to which you are a party by agreeing to the Terms of Use; (D) Are not restricted from using the Platform in any way or for any reason; (E) Are not using the Platform for reasons that are in competition with or adverse to kible; and (F) Will only maintain one account at any given time.
4. Platform is a Venue
The Platform offers a venue where Users connect for the performance of services (each, a “Engagement”). By using the Platform, you understand and agree that no joint venture, partnership, employment, franchise or agency relationship exists between you and kible or kible and any other User. Further, any information, materials and/or Content available on or through the Platform, whether by kible, Users or third parties, is for informational purposes only and does not constitute medical or professional advice, nor is it intended to constitute medical or professional advice, and is in no way intended to create a provider-patient relationship as defined by state or federal law. kible makes no representation and assumes no responsibility for the accuracy of information or content contained on or available through the Platform, and such information and content is subject to change without notice. If you have specific concerns or a situation arises requiring medical or professional advice, you should consult with an appropriately trained and qualified professional. NEVER DISREGARD PROFESSIONAL MEDICAL ADVICE OR DELAY SEEKING MEDICAL TREATMENT BECAUSE OF SOMETHING YOU HAVE READ ON OR ACCESSED THROUGH THE PLATFORM. Kible does not endorse or make any representation about the efficacy, appropriateness or suitability of any specific tests, practices, products, procedures, treatments, opinions, health care providers or other information that may be contained on or available through the Platform. Your interactions with a kible physician is not intended to replace your relationship with your regular health care practitioners or primary care physician. Kible IS NOT RESPONSIBLE NOR LIABLE FOR ANY ADVICE, COURSE OF TREATMENT, DIAGNOSIS OR ANY OTHER THIRD-PARTY INFORMATION, SERVICE OR PRODUCTS THAT YOU OBTAIN THROUGH THE PLATFORM. kible HEREBY EXPRESSLY DISCLAIMS, AND YOU HEREBY EXPRESSLY RELEASE kible FROM, ANY AND ALL DISPUTES ARISING FROM AND/OR IN ANY WAY RELATED TO THE INFORMATION, MATERIALS AND/OR CONTENT PROVIDED ON OR THROUGH THE PLATFORM.
kible HEREBY EXPRESSLY DISCLAIMS, AND YOU HEREBY EXPRESSLY RELEASE kible FROM, ANY AND ALL DISPUTES ARISING FROM AND/OR IN ANY WAY RELATED TO THE INFORMATION, MATERIALS AND/OR CONTENT PROVIDED ON OR THROUGH THE PLATFORM.
5. Independent Contractors
Kible is not an employment service or employment agency, and kible does not employ Advocates. In all cases, Advocates are independent contractors and not employees of kible. That means Advocates are free to accept or reject any engagements with Clients (“Engagements”), perform services free from supervision or control of kible, and provide their own tools and equipment. All contracts, agreements and arrangements for Engagements are between Clients and Advocates. As such, kible does not withhold taxes including, without limitation, unemployment insurance, workers’ compensation, employer’s liability, social security or other payroll withholdings. You understand and agree that if kible is found liable for any taxes, other than on kible’s income, you will immediately reimburse and pay to kible an equivalent amount, including any interest or penalties thereon.
6. Connecting Users; No Control
The Platform leverages a proprietary algorithm to connect Users for Engagements based on numerous factors including, without limitation, Client criteria and location, and Advocate experience, specialty and location. Notwithstanding the foregoing, kible does not have control over any aspect of any Engagements including, without limitation, the legality, timing, quality, performance or non-performance thereof. Further, kible does not supervise or control any aspect of any Engagements, and Clients are responsible for supervising and controlling the services performed by Advocates. As such, kible makes no representations, warranties or covenants about any aspect of any Engagements or services performed.
7. Payment
Advocates are paid for Engagements solely through third-party payors. Advocates do not receive out-of-pocket payments from Clients through the Platform.
8. Account Security
You represent, warrant and covenant that at all times you will: (A) Maintain the security and confidentiality of your account information including, without limitation, your username and password; (B) Be responsible for all activity that occurs under your account, whether by you or by others; (C) Notify us immediately of any unauthorized use of your profile, the need to deactivate your profile due to security concerns, or any other breach of security; (D) Be liable for all charges, damages and losses incurred or suffered by you and/or by kible as a result of activity under your account; and, (E) Ensure that you log out of your account at the end of each session.
9. Your Responsibilities
You represent, warrant and covenant that at all times you will: (A) Be solely responsible for your online and offline interactions with other Users; (B) Not submit to or transmit through the Platform personal and/or confidential information that is not intended to be seen by others; (C) Comply with all applicable laws, rules and regulations including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and applicable regulatory requirements; (D) Provide accurate information in your profile and as a part of any Engagement posting, and update such information as necessary; (E) Comply with notices sent by us concerning the Platform and our operation thereof; (F) Use the Platform in an honest, respectful and professional manner; (G) Use the Platform solely for permitted purposes as it is intended to be used; and, (H) Not offer or solicit Users to transact off Platform or transact with Users off Platform.
10. Prohibited Uses
In connection with your use of the Platform, you represent, warrant and covenant that at all times you shall not: (A) Act dishonestly or unprofessionally by engaging in unprofessional behavior or by submitting to or transmitting through the Platform inappropriate, inaccurate, or objectionable Content; (B) Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found on the Platform (excluding your Content); (C) Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used in connection with the Platform; (D) Include information in your profile or elsewhere, except in designated fields, that is confidential in nature or that reveals sensitive personal or confidential information such as an email address, phone number or physical address; (E) Create a user profile for anyone other than yourself or otherwise use or attempt to use another's account; (F) Use Content from the Platform to provide any service that is competitive, as determined in our sole discretion, with the Platform or our business; (G) Imply or state, directly or indirectly, that you are affiliated with or endorsed by kible; (H) Adapt, modify or create derivative works based on the Platform or the technology underlying the Platform, or other Users’ content, in whole or part; (H) Rent, lease, loan, trade or sell/resell access to the Platform or any information therein, or the equivalent, in whole or part; (I) Deep-link to the Platform for any purpose (including a link to one of our web pages other than our home page); (J) Use manual or automated software, devices, scripts, robots, or other means or processes to access, “scrape,” “crawl” or “spider” the Platform; (K) Use bots or other automated methods to add or download contacts, send or redirect messages or perform other activities; (L) Repeatedly access, via automated or manual means or processes, the Platform for purposes of monitoring its availability, performance or functionality or for any competitive purpose; (M) Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Platform; (N) Attempt to or actually access the Platform by any means other than through the interfaces provided by us; (O) Attempt to or actually override any security component; (P) Engage in any action that directly or indirectly interferes with the proper working of the Platform or places an unreasonable load on our infrastructure including, without limitation, sending unsolicited communications to other Users or our personnel, attempting to gain unauthorized access, or transmitting or activating computer viruses; (Q) Remove any copyright, trademark or other proprietary rights notices; (R) Remove, cover or otherwise obscure any form of advertisement; (S) Harass, abuse or harm another person including, without limitation, sending unwelcome communications to others using the Platform; (T) Collect, use or transfer any information including, without limitation, personally identifiable information obtained from the Platform except as expressly permitted in the Terms of Use or as the owner of such information may expressly permit; (U) Share non-Users’ information without their express consent; (V) Interfere with or disrupt the Platform including, without limitation, any servers or networks connected to the Platform; (W) Upload a cartoon, symbol, drawing or any content other than a head-shot photograph of yourself in your profile photo (if applicable); (X) Participate, directly or indirectly, in the setting up or development of a network that seeks to create a pyramid scheme or other similar practice; (Y) Infringe on or use our brand, logos and/or trademarks including, without limitation, using the word “kible” or “kible.health,” or words likely to be confused with those words; or (Z) upload, post to the Platform, email, transmit or otherwise make available or initiate any content that: (i) Falsely states, impersonates or otherwise misrepresents your identity including, without limitation, the use of a pseudonym, or misrepresenting your current or previous positions and qualifications, or your affiliations with a person or entity, past or present; (ii) Is unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable; (iii) Adds to a content field content that is not intended for such field (e.g., submitting a telephone number in the “title” or any other field, or including telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by us); (iv) Includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (v) Infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights; (vi) Includes any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation. This prohibition includes but is not limited to (a) using the Platform to send messages to people who do not know you or who are unlikely to recognize you as a known contact; (b) using the Platform to connect to people who do not know you and then sending unsolicited promotional messages to those connections without their permission; and (c) sending messages to distribution lists, newsgroup aliases or group aliases; (vii) Contains software viruses, worms, or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of ours or any User; and/or (viii) Forges headers or otherwise manipulates identifiers in order to disguise the origin of any communication transmitted through the Platform.
11. Suspension and Termination
Kible may suspend or remove you from the Platform at any time for any or no reason at all, and suspension or removal will be effective immediately upon delivery of such notice. If kible suspends or removes you from the Platform, you may not be entitled to rejoin. In addition to suspension or removal, kible reserves the right to take appropriate legal action including, without limitation, pursuing civil, criminal, and injunctive relief. Even after your suspension or removal, the Terms of Use will remain enforceable against you.
12. User-Generated Content
By submitting to or transmitting through the Platform any content including, without limitation, messages, information, data, text, images, or any other materials ("Content"), you hereby grant kible a royalty-free, perpetual, irrevocable, non-exclusive, fully paid, transferable right and license to use, reproduce, modify, adapt, publish, distribute, translate, communicate to the public, create derivative works from, distribute, perform and display such Content (in whole or part) worldwide, or to incorporate it in other works in any form, media, or technology now known or later developed (for the full term of any rights that may exist to such Content), without restriction or compensation, and to grant and authorize sublicenses thereof. In addition, you represent and warrant that you have waived all so-called "moral rights" in the Content. kible shall have the right, but not the obligation, in its sole discretion to edit, refuse to post, or remove any Content posted on the Platform for any reason or no reason at all. By submitting to or transmitting through the Platform any Content, you represent and warrant: (A) That you have sufficient rights in and to the Content; (B) Such submission or transmission is not in violation of any contractual restrictions or other third party rights; and (C) That the Content is accurate, truthful and not confidential.
13. Third-Party Websites
The Platform may link to websites and/or applications operated by third parties including, without limitation, licensors or advertisers (“Third-Party Website”). kible does not control Third-Party Websites and is not responsible for them, their availability, their content or any viruses that may be accessed through them. The inclusion of hyperlinks or other connections to Third-Party Websites does not imply any endorsement of them or any association with their owners or operators. You are solely responsible for reviewing and evaluating whether you want to access or use such Third-Party Websites including, without limitation, any applicable terms and/or privacy practices.
14. Consent and Authorization for Audio and/or Video Recording of Patient Interactions
By executing these Terms of Use you hereby grant irrevocable consent, authorization, and release to kible Health Medical Group Inc, its affiliates, representatives, agents, and assigns (collectively, the "Authorized Parties"), to record, reproduce, store, and utilize audio, video, and/or other forms of recording (hereinafter referred to as the "Recordings") of professional interactions under the following terms and conditions:The Recordings may encompass any and all verbal, non-verbal, and visual communications occurring during interactions with patients and clinical staff in the course of providing medical consultations, diagnoses, treatments, and related healthcare services. Recordings may include identifiable patient information, subject to compliance with applicable laws and regulations, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA), as amended. The Recordings may be used for any purpose deemed appropriate by the Authorized Parties, including but not limited to quality assurance, training, legal compliance, documentation, and research, provided that any use of the Recordings shall comply with all applicable federal, state, and local laws.You acknowledge and understand that the Recordings may be disclosed to authorized individuals, organizations, or entities, including but not limited to patients, regulatory bodies, legal representatives, or other stakeholders, as required or permitted by law. You understand and agree that the Recordings are not intended to establish any expectation of privacy or confidentiality with respect to professional interactions captured therein.You hereby waive, release, and forever discharge the Authorized Parties from any and all claims, liabilities, or causes of action arising directly or indirectly from the creation, use, storage, dissemination, or destruction of the Recordings, except in cases of gross negligence or willful misconduct by the Authorized Parties. This consent and authorization shall remain valid and enforceable unless and until revoked by the Provider in writing, provided that any revocation shall not affect the legality of any Recording made or utilized prior to receipt of such revocation.
15. Intellectual Property
All of the design, text, and graphics of the Platform, as well as the selection and arrangement thereof, are proprietary and copyrighted works of kible, with all rights reserved. The Platform images and text, and all page headers, graphics, HTML based computer programs used to generate pages on the Platform, and icons are our trademarks, service marks and/or trade dress, and may not be used without our prior written permission. All uses thereof inure to our benefit. All other trademarks, product names and company names or logos included on the Platform are the property of their respective owners.
16. DMCA Claims
If you believe, in good faith, that any materials on the Platform infringe upon your copyrights, please send the following information to kible's Copyright Agent at: Find kible, Inc. 251 Little Falls Drive Wilmington, DE 19808 (A) A description of the copyrighted work that you claim has been infringed, including the URL (Internet address) or other specific location on the Platform where the material you claim is infringed is located; (B) Include enough information to allow us to locate the material, and explain why you think an infringement has taken place; (C) Your name, address, telephone number, and e-mail address; (D) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (E) A statement by you, made under penalty of perjury, that the information in your notice is accurate, and that you are the copyright owner or authorized to act on the copyright owner's behalf; and (F) An electronic or physical signature of the owner of the copyright or the person authorized to act on behalf of the owner of the copyright interest.
17. Jurisdiction; Venue
Any Dispute arising out of or in any way related to the Platform and/or the Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its provisions regarding conflicts of law. You submit to the exclusive jurisdiction of the state and federal courts of Austin.
18. No Jury; Class Action Waiver
YOU HEREBY IRREVOCABLY WAIVE YOUR RIGHT TO TRIAL BY JURY IN ANY DISPUTE. YOU FURTHER AGREE TO WAIVE ANY RIGHT TO RESOLVE ANY DISPUTE AS A REPRESENTATIVE OR MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW OR DEEMED BY A COURT OF LAW TO BE AGAINST PUBLIC POLICY. TO THE EXTENT YOU ARE PERMITTED BY LAW OR COURT OF LAW TO PROCEED WITH A CLASS OR REPRESENTATIVE ACTION, YOU AGREE THAT: (I) THE PREVAILING PARTY SHALL NOT BE ENTITLED TO RECOVER ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH PURSUING THE CLASS OR REPRESENTATIVE ACTION; AND (II) YOU WILL NOT SUBMIT A CLAIM OR OTHERWISE PARTICIPATE IN ANY RECOVERY SECURED THROUGH THE CLASS OR REPRESENTATIVE ACTION.
19. Dispute Resolution
In the interest of resolving disputes between you and kible in the most expedient and cost effective manner, you and kible agree that every dispute arising in connection with these Terms of Use will be resolved by arbitration. Any arbitration between you and kible will be settled under the Federal Arbitration Act and administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (collectively, “AAA Rules”) as modified by these Terms of Use. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at +1-800-778-7879. A neutral arbitrator will be selected from AAA from a list of arbitrators located in Texas and the arbitration will occur in Austin, Texas. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement. The agreement to arbitrate disputes includes all claims arising out of or relating to any aspects of these Terms of Use, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after termination of these Terms of Use. Despite the provisions of this Section, nothing in these Terms of Use will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file suit in a court of law to address an intellectual property infringement claim.
Disclaimer of Warranties
THE PLATFORM IS PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE, CUSTOM, USAGE, MERCHANTABILITY, NONINFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. YOU HEREBY EXPRESSLY AGREE THAT USE OF THE PLATFORM IS AT YOUR SOLE AND EXCLUSIVE RISK. FURTHER, kible DOES NOT REPRESENT OR WARRANT THAT THE PLATFORM IS SECURE, ERROR-FREE, FREE FROM VIRUSES, TROJAN HORSES, WORMS, TIME BOMBS, SPIDERS, CANCEL BOTS, CORRUPTED FILES, OR ANY OTHER SIMILAR SOFTWARE, MALWARE OR MATERIALS THAT MAY DAMAGE, INTERFERE WITH, DISRUPT, IMPAIR, DISABLE OR OTHERWISE OVERBURDEN THE OPERATION OF ANY DEVICE, COMPUTER SYSTEM OR NETWORK.
20. Release
TO THE EXTENT PERMITTED BY LAW, kible HEREBY EXPRESSLY DISCLAIMS, AND YOU HEREBY EXPRESSLY RELEASE kible FROM, ANY AND ALL DISPUTES FOR DAMAGES, INJURIES, LOSSES AND LIABILITIES ASSOCIATED WITH THE FOLLOWING: (A) kible’S NEGLIGENCE, GROSS NEGLIGENCE AND WILLFUL ACTIONS AND INACTIONS; (B) THAT USE OF THE PLATFORM WILL BE UNINTERRUPTED, SECURE, TIMELY OR ERROR-FREE; (C) THAT ANY SERVICES OBTAINED THROUGH THE PLATFORM WILL BE RELIABLE, ACCURATE, SAFE, TIMELY, ERROR-FREE OR COMPLETE; (D) THE INACCURACY, UNTIMELINESS OR INCOMPLETENESS OF ANY CONTENT INCLUDING, WITHOUT LIMITATION, ANY RELIANCE UPON SUCH CONTENT; (E) ANY MISSTATEMENTS OR MISREPRESENTATIONS; (F) THIRD-PARTY WEBSITES INCLUDING, WITHOUT LIMITATION, RELATED TO AVAILABILITY, TERMS OF USE, PRIVACY PRACTICES, INFORMATION, CONTENT, MATERIALS, ADVERTISING, CHARGES, PAYMENT, PRODUCTS AND/OR SERVICES; (G) THE CONDUCT OF ANY USER ONLINE OR OFFLINE INCLUDING, WITHOUT LIMITATION, DEFAMATION, HARASSMENT, STALKING, PHYSICAL INJURY, ABUSE OR VIOLENCE, AND DAMAGE TO OR DESTRUCTION OF PROPERTY; (G) THE CONDUCT OF THIRD PARTIES INCLUDING, WITHOUT LIMITATION, HACKERS OR OTHERS WHO ENGAGE IN THE UNAUTHORIZED ACCESS, USE OR MISAPPROPRIATION OF ANY CONTENT; AND (H) ANY CONTENT THAT MAY BE MISAPPROPRIATED, INTERCEPTED, DELETED, DESTROYED OR USED BY OTHERS.
21. Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES WILL kible BE LIABLE TO YOU OR ANY THIRD PARTY INCLUDING, WITHOUT LIMITATION, MINOR CHILDREN OR ADULT RELATIVES, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM, IN CONNECTION WITH OR IN ANY WAY RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME. NOTWITHSTANDING ANYTHING ANYWHERE TO THE CONTRARY INCLUDING, WITHOUT LIMITATION, IN THE TERMS OF USE, IF IT IS DETERMINED THAT kible IS LIABLE TO YOU, IN NO EVENT WILL THE AGGREGATE LIABILITY, WHETHER ARISING IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EXCEED FIVE-HUNDRED DOLLARS ($500).
22. Indemnity
You agree to defend, indemnify and hold kible harmless from and against any and all Disputes including, without limitation, damages, injuries, losses, liabilities and reasonable attorneys’ fees, accounting fees and court costs (collectively, “Indemnified Claims”), resulting from or relating to, or alleged to result from or relate to: (A) Your breach of the Terms of Use; (B) Any Content you submit to or transmit through the Platform, (C) Your use or misuse of the Platform including, without limitation, any unauthorized or unlawful use of the Platform; (D) Your violation of any applicable law, rule or regulation; (E) Your violation of a third party’s rights; (F) The use of the Platform by any other person using your account. We will use reasonable efforts to provide you with prompt notice of any such Indemnified Claims, and may assist you, at our expense and option, in defending any such Indemnified Claims.
23. Waiver; Severability
Failure by kible to enforce any provision(s) of the Terms of Use will not be construed as a waiver of any provision or right. The Terms of Use constitute the entire agreement between you and kible. If any provision of the Terms of Use is found to be unlawful, void, invalid or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from the Terms of Use, and the remaining provisions shall be enforced to the fullest extent possible. The Terms of Use will inure to the benefit of kible, its successors and assigns.
Last updated: June 14, 2023
About Solidarity Coverage:
Solidarity Coverage insures Advocates for certain claims and liabilities resulting from Work performed by Advocates for Clients when using the Kible platform, subject to the terms, conditions, and exclusions of the Solidarity Coverage insurance policy as well as the terms, conditions, and exclusions contained herein. There is no cost for Advocates to be insured under Solidarity Coverage.
Disclaimer
This Solidarity Coverage Summary does not contain the full terms, conditions, and exclusions.
Coverage Eligibility
Advocates are covered under Solidarity Coverage. As described above, Solidarity Coverage covers Advocates from certain claims and liabilities arising from Work performed by Advocates for Clients and arranged using the Kible Platform.
1. Advocate: a person or entity who has completed the Kible account registration process, including consenting to the Kible Terms of Service and lists themselves on the Kible Platform. Advocates must fully comply with the Kible Terms of Service to be covered.
2. Client: a third party who has completed the Kible account registration process, including consenting to the Kible Terms of Service and contracts an Advocate for Work through the Kible Platform.
3. Platform: Kible Platform refers to the Kible.Health online platform.
4. Work: Work refers to paid services contracted from an Advocate by a Client using the Kible.Health Platform that are fully compliant with Kible Terms of Service and which occur under a valid and executed contract between Client and Advocate that is documented on the Kible Platform; the Work must occur after such contract has been documented on the Kible Platform and prior to any termination of that contract.
Liability Limits
$1,000,000 USD is the total limit available per claim, up to $2,000,000 USD per calendar year.
Coverages
Solidarity Coverage provides insurance that covers Advocates for their legal liability to a Client for certain claims and liabilities due to an incident that occurs during Work. If Solidarity Coverage applies to the claim, the insurance includes coverage for claim investigation costs and expenses, as well as costs of defending a formal complaint such as a lawsuit.
Exclusions
The Solidarity Coverage excludes from coverage any services that an Advocate may have provided to a Client that are outside the scope of Patient Advocacy. Services outside the scope of Patient Advocacy include but are not limited to (i) medical services of any kind, (ii) legal services, (iii) financial advising or other financial services, (iv) homecare services, (v) actuarial services (vi) guardianship or other fiduciary services, (vii) driving or otherwise transporting a Client or other third party, and (viii) product sales.
If you would like to confirm if a service or activity that you provide as an Advocate remains within the scope of Patient Advocacy, please email Support@Kible.Health to receive written confirmation.
Questions
Please contact Support@Kible.Health if you have questions regarding the coverage made available under this program.