TWIN Digital Services India Pvt Ltd – Terms of Use

Effective Date: October 8, 2025

1. INTRODUCTION

1.1 These Terms of Use and Privacy Policy (collectively referred to as the "Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Twin Digital Services India Private Limited, a company incorporated under the Companies Act, 2013, having its registered office in India ("Twin India"), and its affiliates, including Twin Health, Inc. (collectively referred to as "Twin Health", "we", "us", or "our").

1.2 These Terms govern your access to and use of Twin Health's digital health platforms, mobile application, website, and related connected health monitoring and telehealth services (the "Services"). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, you must discontinue use of the Services immediately.

1.3 Twin Health operates in compliance with the applicable laws of India, including the Digital Personal Data Protection Act, 2023 (DPDP Act), Telemedicine Practice Guidelines, 2020, and, where applicable, U.S. HIPAA standards for Protected Health Information (PHI).

This document is structured as follows:

  • a) Medical Policy & Consent
  • b) Twin Service Policy
  • c) Privacy Policy
  • d) Terms of Use
  • e) Annexures

2. MEDICAL POLICY & CONSENT

2.1 Medical Consent (Telemedicine)

By signing the medical consent (digitally or physically), you acknowledge and agree as follows:

2.1.1 Language and Understanding: The nature, purpose, and potential risks of the procedures and teleconsultation services have been explained to me in a language I understand: ____________________.

2.1.2 Consent to Telehealth: I hereby consent to receive remote medical consultation and health management services through Twin Health's digital platforms, including all data processing and sharing as per the Privacy Policy.

2.1.3 Scope of Consent: I authorize the attending healthcare professional(s) to perform or attempt additional procedures or interventions deemed necessary in their professional judgment during the course of treatment.

2.1.4 Alternatives and Risks: I acknowledge that alternative treatment options, potential benefits, and reasonably foreseeable risks have been explained to me. I have received explanations and understand that the proposed telehealth treatment has certain material risks/complications and I have been provided with their quite information about the same, including that there are other undefined, unanticipated, unexplainable risks/complications that may occur during or after the proposed treatment/intervention.

2.1.5 No Guarantee: I understand after full explanation and the opportunity for discussion that despite best efforts there can be no assurance about the results or outcome of the proposed treatment/intervention. I confirm that I have not been given any guarantee or warranty about the results or outcome of the proposed treatment/intervention.

2.1.6 Clarifications: I confirm that the Provider has answered all my questions to my satisfaction regarding the proposed treatment/intervention and the medical teams involved.

2.1.7 Right to Second Opinion: I have been advised of my own election to seek and obtain a second opinion from another doctor regarding the proposed treatment/intervention.

2.1.8 Right to Withdraw: I understand that I have the right to refuse treatment or to withdraw my consent at any time. I understand that if I do refuse treatment, the consequences of my decision have been explained to me. I confirm that after explanation, discussion, counselling and disclosures I have had ample time to provide consent.

2.1.9 Voluntary Consent: This consent has been given voluntarily, without coercion or undue influence.

Note: All teleconsultations shall be conducted in accordance with the Telemedicine Practice Guidelines, 2020 and any subsequent amendments issued by the Medical Council of India or relevant authority.

3. TWIN SERVICE POLICY

3.1 Devices and Sensors

3.1.1 Users are responsible for procuring and maintaining approved third-party devices (such as CGM sensors, fitness trackers, BP monitors, and body composition scales) required for the program.

3.1.2 Twin Health shall not be liable for any inaccuracy, malfunction, or operational failure of third-party devices.

3.1.3 Continuous Glucose Monitor (CGM) users are required to upload readings daily via the designated portal or email (e.g., remote@twinhealth.com). Approximately six (6) CGM patches are expected to be used annually unless medically indicated otherwise.

3.2 Laboratory Work and Diagnostics

3.2.1 Blood and diagnostic tests shall be conducted at baseline and at approximately 90-day intervals thereafter.

3.2.2 Users shall ensure that all laboratory results are shared with Twin Health to facilitate clinical monitoring.

3.2.3 A representative list of test parameters is provided in Annexure A.

3.3 Virtual Assistance and Support

3.3.1 Routine technical and sensor-related assistance will be rendered by the Twin Service Assistant (TSA) via virtual channels.

3.3.2 Any escalation or unresolved issue may be directed to care@twinhealth.com.

DISCLAIMER: I understand this program is a No Refund Policy and I agree that I will fully comply to the program guidelines and instructions for my journey

4. TWIN Digital Services India Pvt Ltd – Terms of Use

Welcome, and thank you for your interest in Twins Digital Services India Private Limited ("Twin", "we", "our," or "us"). These Terms of Use ("Terms") govern your ("you", "your", or "User") access to our website http://www.twinhealth.com (the "Site"), our mobile application (the "App"), and all related platforms, including databases, software, widgets, and other applications (collectively, the "Platform"), as well as the services offered via the Platform (each a "Service", collectively, the "Services"). The Services include healthcare consultations provided by registered Medical Practitioners, guidance from Wellness Coaches, and supply of medications, devices, and diagnostics from third-party providers.

4.1. General

4.1.1 Purpose of the Platform: The Platform provides clinical decision support to Medical Practitioners and facilitates Services aimed at managing Type II Diabetes Mellitus and other chronic diseases, including prevention of chronic conditions. Twin is not your healthcare provider and does not offer medical advice or treatment directly.

4.1.2 Eligibility to Use the Platform: The Platform is intended for users diagnosed with an Applicable Disease. If referred by a Medical Practitioner, you will have been assessed for suitability. If registering independently, a Medical Practitioner will conduct an initial consultation to determine eligibility and explain the Services. Any questions or dissatisfaction regarding the Platform or Services should first be addressed with your Medical Practitioner. If unresolved, you may use the 'Call Coach' feature on the Platform.

4.1.3 Agreement Scope: These Terms, the Privacy Policy, and other applicable policies—including those from third-party providers on the Platform—constitute a legally binding contract between you, Twin, Medical Practitioners, Wellness Coaches, and relevant third parties regarding your use of the Services.

4.1.4 Acceptance of Terms: By accessing or using the Platform, including clicking "I Accept", downloading the App, or using the Services, you agree to these Terms and our policies, as updated from time to time. Continued use of the Platform constitutes acceptance of the then-current Terms.

4.1.5 Non-Emergency Disclaimer: The Platform and Services are not intended for emergencies. In medical emergencies, contact emergency services or visit a registered Medical Practitioner. The Platform is also limited to Applicable Diseases and does not substitute for other medical care.

4.1.6 Modification of Terms: Twin may modify these Terms at its discretion. The version posted on the Site or App governs your use. Continued access after modifications constitutes acceptance of the updated Terms.

4.1.7 Platform License: The App is licensed, not sold, on an "as-is" basis. Twin's liability is limited as described herein. Third-party fees (e.g., data, SMS, MMS) are your responsibility.

4.1.8 Account Termination: You may delete your account at any time. Twin may suspend or withdraw Services without notice. No Service is guaranteed to be available 24/7.

4.1.9 Legal Compliance: These Terms comply with Indian laws, including:

  • a) Indian Contract Act, 1872
  • b) Information Technology Act, 2000
  • c) Drugs and Cosmetics Act, 1940 & Rules 1945
  • d) Drugs and Magic Remedies (Objectionable Advertisements) Act, 1954
  • e) National Medical Commission Act, 2019
  • f) Pharmacy Act, 1948

4.2 Use of Our Services

4.2.1 Eligibility

By using the Platform, you represent and warrant that:

  • a) You are at least 18 years old and legally competent to enter into a contract.
  • b) You have not been suspended or removed from the Service.
  • c) You comply with applicable laws and regulations.
  • d) You provide truthful and accurate information.
  • e) You are physically located in a jurisdiction where Twin provides Services.

Twin reserves the right to refuse access or terminate accounts at its discretion.

4.2.2 Platform Suitability: Medical Practitioners may determine that the Platform is unsuitable for certain users based on health conditions or treatment requirements. In such cases, you may be advised to seek in-person care. Eligibility may change over time; you can re-register if circumstances change.

4.2.3 Accounts and Registration: Some features are available without registration. For full access, you must create an account and maintain the confidentiality of your credentials. Notify Twin immediately at care@twinhealth.com if your account is compromised. Twin is not liable for losses due to unauthorized access resulting from your negligence.

4.2.4 Prohibited Conduct

You agree not to:

  • a) Compete with Twin or use the Platform for illegal purposes.
  • b) Defame, harass, or infringe on the rights of others.
  • c) Upload content that is unlawful, obscene, or offensive.
  • d) Interfere with Platform security or operations.
  • e) Gain unauthorized access to Platform systems.
  • f) Engage in fraudulent activity or impersonation.
  • g) Sell or transfer Platform access or Twin Materials.

4.3 Mobile Software

4.3.1 Usage License: Twin grants a non-exclusive, non-transferable, revocable license to use the Mobile Software for personal use. You must comply with all applicable laws and Carrier charges. You may not modify, distribute, or reverse-engineer the Mobile Software.

4.3.2 SMS/Text Messaging Services: By using the Platform, you consent to receive account notifications, alerts, and promotional messages via SMS/text. Standard charges apply. Reply STOP to unsubscribe; a final confirmation may be sent.

4.3.3 App Store-Sourced Software: Apple or Google Play Store provides the platform for distribution. Your agreement for the Mobile Software is with Twin; Apple/Google are third-party beneficiaries without liability for Twin's software.

4.3.4 Data Protection: Data collected from third-party sensors (e.g., glucose, heart rate, sleep, BMI) is protected under HIPAA standards.

4.4 Telemedicine Services and Consent

4.4.1 Telemedicine Definition: Services may involve remote consultations via electronic communications with a Medical Practitioner. These services have potential benefits and risks.

4.4.2 Consent: By using the Services, you authorize Medical Practitioners to provide telehealth services. You may withdraw consent anytime, but Twin may suspend or terminate access in such cases. You acknowledge alternative treatment options and associated risks have been explained.

4.4.3 Risks of Telemedicine: Risks may include:

  • a) Insufficient information for healthcare decisions (e.g., poor image quality).
  • b) Delays due to technical failures.
  • c) Incomplete access to health records, potentially causing medical errors.
  • d) Security breaches despite implemented safeguards.

4.4.4 Acknowledgment: You understand that no specific results are guaranteed. Telemedicine may not be appropriate for all medical needs.

4.4.5 Reporting Non-Compliance: You agree to report any non-compliance with laws, ethical guidelines, or Telemedicine Guidelines encountered during consultations.

4.4.6 Medical Practitioner Contract: Your use of the Platform is also governed by agreements between you and your Medical Practitioner.

4.5 Privacy Policy

Twin understands and respects the importance of maintaining the confidentiality and privacy of your personal and health-related information. We encourage you to carefully read our Privacy Policy, which is available on our website, for a detailed explanation of how we collect, use, store, and disclose your personal data. By accessing or using the Platform, you acknowledge that you have read, understood, and accepted the Privacy Policy, in addition to any other privacy notices or agreements that may apply. This acknowledgment constitutes your consent to the collection, use, and sharing of your information as described in our Privacy Policy, and you agree to be bound by its provisions.

5. Pricing, Charges, and Payment Terms

5.1 Health Plan and Employer Provider Pricing and Payment Terms: If you are a health plan member, or an employee accessing the Platform through your employer, the pricing, charges, and payment terms applicable to you will be governed by a separate agreement between Twin and your health plan or employer. You acknowledge that such pricing and payment terms are established exclusively by that agreement and not by the general Terms.

5.2 Individual Pricing and Payment Terms: If you are using the Platform independently or through your Medical Practitioner outside of a health plan or employer arrangement, you agree to pay all applicable fees as specified in your account or communicated online. Twin may introduce new services for additional fees or revise the fees for existing services. Any changes to pricing or payment terms will become effective in the billing cycle following notification of such changes. You agree to pay all fees directly to Twin in accordance with the published terms and timelines.

5.3 Fees: Payment of fees entitles you to access and use the Platform and its Services for the period covered by your payment. Fees may be payable in full or in instalments as specified at the time of registration or subsequently communicated. Your continued access to the Platform is conditional upon timely payment of all applicable fees. Twin reserves the right to suspend or deny access to any Service in the event of delayed or non-payment.

5.4 Refunds: You may cancel your account or any Service by providing written notice to care@twinhealth.com. Except as explicitly provided under applicable law, no refunds will be issued for cancellations. If Twin suspends or terminates your account for a valid reason, including but not limited to violation of these Terms, you acknowledge that you will not be entitled to any refund.

5.5 Access and Connectivity: You are solely responsible for maintaining suitable hardware, software, and internet connectivity required to access and use the Platform, at your own cost and risk. Twin reserves the right to modify technical requirements, access configurations, or other operational parameters at its discretion without prior notice.

5.6 Medical Equipment: Certain Services may require the use of medical equipment or supplies prescribed by your Medical Practitioner, including but not limited to diabetic testing supplies. Such equipment and supplies must be sourced by you either through the Platform or via third-party vendors. All aspects relating to the timing, quantity, fees, and terms of medical equipment are determined solely by the Medical Practitioner.

6. User Content

6.1 User Content Generally: The Platform may allow users, Medical Practitioners, or Twin to input, upload, or publish content, including messages, reviews, images, videos, data, or other materials (collectively "User Content"). By contributing User Content, you acknowledge that this content may be visible or accessible to other users in accordance with the Platform's functionality.

6.2 Limited License Grant to Twin: By posting or publishing User Content on the Platform, you grant Twin a worldwide, non-exclusive, royalty-free license, with the right to sublicense, to use, host, store, display, reproduce, perform, modify, distribute, and otherwise exploit your content in connection with the Platform and the Services, in any media now known or later developed, without the obligation to compensate you or provide attribution.

6.3 Limited License Grant to Other Users: By sharing User Content with other users, you grant each recipient a non-exclusive license to access and use the content as permitted by these Terms and by the Platform's features.

6.4 User Content Representations and Warranties: You represent and warrant that you are the creator or rightful owner of all User Content you post, or that you have obtained all necessary rights, permissions, or licenses to post such content. You further represent that your content does not violate any third-party rights, including intellectual property, privacy, publicity, or other proprietary rights, and that it does not contain defamatory, offensive, or unlawful material. You acknowledge that you are solely responsible for your User Content and the consequences of posting or sharing it.

6.5 User Content Disclaimer: Twin is not obligated to monitor or edit User Content and disclaims any liability for content posted by users. Twin may, in its sole discretion, remove or block content that violates these Terms or is otherwise objectionable. You understand that exposure to User Content may involve offensive, inaccurate, or objectionable material and agree to waive any claims against Twin relating to such content. Twin expressly prohibits copyright infringement and does not endorse any User Content.

7. Intellectual Property Violation

We respect the rights of third parties in their intellectual property. If you have an intellectual property rights-related complaint about material posted on the Platform, you may contact us at the following address: Twins Digital Services India Private Limited, Millenia Business Park – Phase 2, Symbyont Smart Spaces, Campus 5, 8th Floor, 143, Dr. MGR Road, Perungudi, Kandanchavadi, Chennai, Tamil Nadu, India – 600096. E-mail: care@twinhealth.com. Any notice alleging that materials hosted by or distributed through the Service infringe intellectual property rights must include the following information:

  • a. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other right being infringed;
  • b. a description of the copyright-protected work or other intellectual property right that you claim has been infringed;
  • c. a description of the material that you claim is infringing and where it is located on the Platform;
  • d. your address, telephone number, and email address;
  • e. a statement by you that you have a good-faith belief that the use of those materials on the Service is not authorized by the copyright owner, its agent, or the law; and
  • f. a statement by you that the above information in your notice is accurate and that, under penalty of perjury, you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

7.2 Repeat Violations: Twin will promptly terminate without notice the accounts of users that are determined by Twin to be a "repeat violator." A repeat violator is a user who has been notified of infringing activity or has had User Content removed from the Platform at least twice.

7.3 Nothing contained in this clause may be perceived as a limitation to the ability of Twin to suspend user accounts for user content violations in the first instance.

8. Third-Party Services and Linked Websites

The Platform may include third-party content, services, or websites. Twin does not control these third parties and disclaims liability for their accuracy, availability, legality, or functionality. Users access third-party services at their own risk and must comply with the applicable terms and privacy policies of such third parties.

9. Termination of Use; Discontinuation and Modification of the Service

9.1 The Platform may also allow you to display, use, include or make available content, data, information, applications or materials from third parties, including, without limitation, content, data, information, applications or materials ("Third Party Materials"). By requesting an import of Third-Party Materials, you agree that we may import that information from the applicable third-party service.

9.2 Twin may also provide tools through the Platform that enable you to export information, including User Content, to third-party services. By requesting an export of information, including User Content, to third-party services, you agree that we may export that information to the applicable third-party service. Third-party services are not under our control, and we are not responsible for any third-party service's use of information you provide or information you export or disclose.

9.3 When you use any Third Party Materials or third-party services, you do so at your own risk and you understand and agree that you are solely responsible for reading, understanding, and complying with any terms of use and/or privacy policies that apply to such third parties' terms of use and privacy policy. The Platform may also contain links to third-party websites. Linked websites are not under our control, and we are not responsible for their content.

9.4 Twin is not responsible or liable for the availability, reliability, content, functions, accuracy, legality, appropriateness, services, materials or any other aspect of such Third-Party Materials or third-party websites that link to or from the Service or are otherwise referenced on the Platform.

9.5 Twin also does not accept any responsibility for technical failures or for unauthorized access of user transmissions by any third parties. If you choose to use Third Party Materials and third-party websites together with the Platform, such use is entirely at your discretion and risk.

10. Additional Terms

Your use of the Platform is subject to all additional terms, policies, rules, or guidelines applicable to the Platform or certain features of the Platform that we may post on or link to from the Service (the "Additional Terms"), such as end-user license agreements for any downloadable software applications, or rules that are applicable to a particular feature or content on the Platform. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

11. Modification of these Terms

We reserve the right, at our sole discretion, to change or update these Terms from time to time. Please check these Terms periodically for changes or updates. Immaterial modifications are effective upon publication. If a change or update to these Terms materially modifies your rights or obligations, we will update the "last updated" date at the top of this page and make reasonable efforts to notify you that material changes have been made to the Terms. Your continued use of the Platform after any such change or update constitutes your acceptance of the new Terms. If you do not agree to any of these Terms or any future Terms, do not use or access (or continue to access) the Platform.

12. Ownership; Proprietary Rights

The visual interfaces, trademarks, graphics, names, logos, marks, content (other than User Content), design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service ("Twin Materials") are the intellectual property of Twin Inc. and are protected by intellectual property and other laws. All Twin Materials contained in the Platform and all trademarks, service marks, patents, copyrights and any and all other intellectual property rights and proprietary material related thereto are, and will remain, the exclusive property of Twins Digital Health Services India Private Limited and Twin Health Inc. or our third-party licensors. Except as expressly authorized by Twins Digital Health Services India Private Limited and Twin Health Inc, you may not copy, republish, post, display, translate, transmit, reproduce, distribute or otherwise make use of the Twin Materials. The information displayed on the Platform is for your personal use only. Twin Inc. reserves all rights to the Twin Materials not granted expressly in these Terms. If at any time, you make any submissions, including but not limited to suggestions, feature ideas, bug reports, comments, you assign all rights in these submissions to us. We shall be entitled to use such submissions for any purpose, whatsoever, without compensation to the maker. In any event, such submissions are not and will not be treated as confidential and we will not be liable for any disclosure of submissions.

13. No Medical Advice

We act as a technology platform to connect you with Medical Practitioners who may be available to provide you with certain non-emergency medical care, however Twin is not itself a healthcare provider, and the Medical Practitioners are solely responsible for providing you with any medical care and treatment you receive in connection with your use of the Service. We do not manage, control or interfere with the practice of medicine by the Medical Practitioners, each of whom is responsible for the professional medical services he or she provides. The information provided by Twin as part of the Twin Materials and through the Platform is for general informational purposes only. None of the Twin Materials should be considered medical advice or an endorsement, representation or warranty that any particular medication or treatment is safe, appropriate, or effective for you.

14. Indemnity

You agree that you will be responsible for your use of the Platform, and you agree to defend and indemnify Twin from and against every claim, liability, damage, loss, and expense, including reasonable attorneys' fees and costs, arising out of or in any way connected with: (a) your access to, use of, or alleged use of, the Platform; (b) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defence of that claim.

15. Non-Secure Communications

Twin is required to comply with applicable healthcare privacy and security laws and maintain safeguards to protect the security of your health information. Additionally, the information you provide to your Medical Practitioner during a medical consultation is legally confidential, except for certain legal exceptions. We devote considerable effort toward ensuring that your personal information is secure. Information regarding our use of health and other personal information is provided in our Privacy Policy and Notice of Privacy Practices, currently available on our website. As part of providing you the Services, we will communicate to you via email and text message. Email and text messages are not secure methods of communication and Twin cannot ensure the security or confidentiality of messages sent by email and/or text message. Information, including personal health information, transmitted by email or text message is not encrypted and could be read by a third party. If you would prefer not to exchange personal health information via email or text message, please notify us at PrivacyIndia@TwinHealth.com.

16. Disclaimers; No Warranties

WHILE THE PLATFORM FACILITATES ACCESS TO CERTAIN MEDICAL PRACTITIONERS FOR NON-EMERGENCY MEDICAL CARE, TWIN IS NOT A HEALTHCARE PROVIDER AND CANNOT AND DOES NOT DIAGNOSE OR TREAT YOUR HEALTH CONDITIONS. TWIN PROVIDES NO ENDORSEMENT, REPRESENTATION OR WARRANTY THAT ANY PARTICULAR MEDICATION OR TREATMENT USED BY THE MEDICAL PRACTITIONERS IS OR WILL BE SAFE, EFFECTIVE OR APPROPRIATE FOR YOU. DO NOT USE THE PLATFORM OR SERVICES FOR MEDICAL EMERGENCIES. IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY, CALL THE CONTACT NUMBER FOR EMERGENCY SERVICES IN YOUR REGION IMMEDIATELY. THE PLATFORM AND ALL TWIN' MATERIALS AND ALL CONTENT AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE EXTENT ALLOWED BY LAW, TWIN DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE PLATFORM AND ALL TWIN MATERIALS AND CONTENT AVAILABLE THROUGH THE PLATFORM, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. TWIN DO NOT WARRANT THAT THE PLATFORM OR ANY PORTION OF THE SERVICE, OR ANY TWIN MATERIALS OR CONTENT OFFERED THROUGH THE PLATFORM, WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR ACCESS TO, USE OR MISUSE OF, OR INABILITY TO USE THE PLATFORM, YOUR DEALINGS WITH ANY MEDICAL PRACTITIONER OR OTHER USER, AND ANY TWIN MATERIALS OR ALL CONTENT AVAILABLE THROUGH THE PLATFORM. YOU UNDERSTAND AND AGREE THAT YOU USE THE PLATFORM, AND ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN TWIN MATERIALS OR CONTENT THROUGH THE PLATFORM AND ANY ASSOCIATED SITES OR PATFORM, AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE PLATFORM), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE PLATFORM OR THE DOWNLOAD OR USE OF THAT MATERIAL OR CONTENT. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. TO THE EXTENT THAT WE MAY NOT DISCLAIM ANY IMPLIED WARRANTY, THE SCOPE AND DURATION OF SUCH WARRANTY WILL BE THE MINIMUM PERMITTED BY LAW.

17. Limitation of Liability

IN NO EVENT WILL TWIN BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE PLATFORM OR ANY TWIN MATERIALS OR CONTENT ON THE PLATFORM, INCLUDING BUT NOT LIMITED TO ANY MEDICAL ADVICE OR TREATMENT BY THE MEDICAL PRACTITONER, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT TWIN HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE. ABSENT OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, YOU AGREE THAT THE AGGREGATE LIABILITY OF TWIN TO YOU, FOR ALL CLAIMS ARISING OUT OF, OR RELATING TO, THE USE OF OR ANY INABILITY TO USE, ANY PORTION OF THE PLATFORM OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT TWIN HAS RECEIVED FOR YOUR ACCESS TO AND USE OF THE PLATFORM IN THE TWELVE MONTHS PRIOR TO THE CLAIM; OR (B) TEN THOUSAND RUPEES (Rs 10,000). TWIN SHALL IN NO EVENT BE LIABLE TO YOU (OR TO ANY THIRD PARTY CLAIMING UNDER OR THROUGH THE YOU) FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE THE PLATFORM. THESE EXCLUSIONS APPLY TO ANY CLAIMS FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF TWIN KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS UNDER THESE TERMS BETWEEN YOU AND TWIN. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

18. Disagreements between Users

You alone are responsible for your communications, interactions, agreements, representations, promises or any other involvement with other Users. Twin reserves the right, but has no obligation, to monitor disagreements between you and other Users. If you have a dispute with one or more Users, you irrevocably and forever release Twin from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

19. Insurance Services

Twin is not registered with the Insurance Regulatory and Development Authority of India (IRDAI) to carry on the business of general insurance and is not in the insurance business. However, your Medical Practitioner and/or a the organization your Medical Practitioner is affiliated to may be registered with IRDAI to carry on the business of general insurance and would be required to comply with the provisions of the Insurance Act 1938, Insurance Regulatory and Development Act, 1999 and Insurance Amendment Act, 2015 and rules, regulations and any other order and circular issued thereunder and any other applicable laws of India and therefore a Medical Practitioner or the entity your Medical Practitioner is affiliated to and/or Twin may be subject to certain regulatory requirements. Please check with your Medical Practitioner as to usage and disclosure of information. Twin may be a "business associate" of the Medical Practitioner, and as a result, as and to the extent Twin is in fact a "business associate" of Medical Practitioners, Twin's use and disclosure of your information will be limited as and to the extent permitted by applicable law and regulations, which may include, for example, providing you with certain communications via emails, text messages or in app messages that contain information, such as appointment reminders, encouragement, and advice. If you would prefer not to exchange information via email or text message, please notify us at PrivacyIndia@TwinHealth.com. You may also request we update, correct, or delete your information by contacting us at PrivacyIndia@TwinHealth.com; provided however, that we may retain any information that we are required to maintain in accordance with applicable law and regulations. We regularly review our compliance with our Privacy Policy. When we receive formal written complaints, we will contact the person who made the complaint to follow up. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our users directly.

20. Forums and Interactive Services

There may be interactive services within the Platform such as blogs, chat rooms, forums, instant messaging etc., and other service member zones that allow them to input their data, details, materials, comments or other similar communications. Using such services on the Platform, the User should realize that they are open for wide access and review, and any personal data that he/she published or provided during registration may become viewable by third parties. Twin is not responsible for the security of the User's information that is passed by the User to third parties or provided during use of such services. Materials that will be placed by the User in such areas of the Platform will be stored in systems/devices of Twin as per Twin's policy, if otherwise not directly documented in each particular case.

21. Governing Law

These Terms are governed by the laws of the India without regard to conflict of law principles. If a lawsuit or court proceeding is permitted under these Terms, you and Twin agree to submit to the personal and exclusive jurisdiction of courts in Chennai for the purpose of litigating any dispute. We also agree that Twin may seek interim equitable relief in any court having jurisdiction. We deliver the Service from our offices in India, and we make no representation that Twin Materials included in the Service are appropriate or available for use in other locations.

22. General

These Terms and any Additional Agreements are the entire and exclusive understanding and agreement between you and Twin regarding your use of the Platform. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. If any part of these Terms is held to be invalid or unenforceable, the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect. Upon termination of these Terms, any provision that by its nature or express terms should survive, will survive.

23. Dispute Resolution and Arbitration

23.1 Generally: In the interest of resolving disputes between you and Twin in the most expedient and cost-effective manner, you and Twin agree that every dispute arising in connection with these Terms (including those involving others) will be resolved by binding arbitration, except as noted below. Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms.

23.2 Exceptions: We both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either of us to: (a) bring an individual action under the Consumer Protection Act prior to demanding arbitration as set forth below; (b) timely 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 at any time; or (d) to file suit in a court of law to address an intellectual property infringement claim at any time.

23.3 Arbitrator: Any arbitration between you and Twin will be governed by Arbitration and Conciliation Act, 1996.

23.4 Notice: Anyone who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail or Federal Express (signature required), or if we do not have a physical address on file for you, by electronic mail ("Notice"). The address for Notice to Twin is Twins Digital Services India Private Limited, Millenia Business Park – Phase 2, Symbyont Smart Spaces, Campus 5, 8th Floor, 143, Dr. MGR Road, Perungudi, Kandanchavadi, Chennai, Tamil Nadu, India – 600096

23.5 Demand: The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). We each agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or Twin may commence an arbitration proceeding. The litigants will have the ability to take discovery on and exchange relevant information, on a confidential basis, about the dispute. During the arbitration, the amount of any settlement offers made by you or Twin must not be disclosed to the arbitrator until after the arbitrator makes a final, decision and award, if any. Except as required to comply with law or other obligations, the arbitration proceedings, filings and outcome shall be confidential.

23.6 Fees: Any arbitration hearing will take place at a Chennai. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose, you agree to reimburse Twin for all monies previously disbursed by Twin.

23.7 Modifications: If Twin makes any future change to this arbitration provision (other than a change to Twin's address for Notice), you may reject the change by sending us written notice within 30 days of the change to Twin's address for Notice, in which case your account with Twin will be immediately terminated and this arbitration provision, as in effect immediately prior to the amendments you reject will survive.

23.8 Enforceability: If any portion of Section 23 is found to be unenforceable, then Twin can elect to construe the entirety of this Section 23 to be null and void and, but in any event, we each agree that the exclusive jurisdiction and venue provisions will govern any action arising out of or related to these Terms.

24. Consent to Electronic Communications

You consent to receive electronic communications from Twin in accordance with the Privacy Policy, which will satisfy legal requirements for written notice.

25. Contact Information

All correspondence may be addressed to Twins Digital Services India Pvt Ltd, Millenia Business Park – Phase 2, Symbyont Smart Spaces, Campus 5, 8th Floor, 143, Dr. MGR Road, Perungudi, Chennai, Tamil Nadu – 600096 or emailed to care@twinhealth.com.

26. Individual Results May Vary

Patient outcomes depend on several factors including duration of disease, health status, program adherence, and lifestyle factors.

27. WBDT Technology Disclaimer

Twin does not claim that its Whole-Body Digital Twin ("WBDT") technology cures or permanently reverses diabetes. The Platform aims to help members improve health, manage diabetes, and enhance vitality.

28. Consultation Recording and Service Interruption Notice

Health Counsellor consultations may be recorded for training and quality purposes. Reasonable efforts will be made to provide advance notice of scheduled service interruptions, including maintenance, repairs, or upgrades. In case of unforeseen interruptions, service will be restored promptly. Twin or the healthcare provider shall not be liable for losses or damages arising from interruptions, except in cases of wilful misconduct or gross negligence.

29. Annexure

Upon enrolment, you will be provided with a list of required sensors and blood test parameters as part of your health assessment. You will need to procure these items independently. Your care team will provide the detailed list and guidance following the completion of your comprehensive health investigations.