Terms and Conditions

Last Updated: 28 August 2026 · Effective Date: 28 August 2026

1. Agreement to Terms

By accessing and using MediPaid's, HFIC's, and DishCal PH's websites, mobile applications, and services, you agree to be bound by these Terms of Service. If you do not agree to any part of these terms, you may not use our services.

These terms are governed by the laws of the Republic of the Philippines and apply to all users, regardless of location.

2. Services Description

2.1 MediPaid Services

• AI-powered claims processing and tracking
• Multi-payer portal and HMO coordination
• Receivables management and reconciliation
• Healthcare finance analytics and reporting
• DWY (Done With You) and DFY (Done For You) subscription tiers

2.2 HFIC Services

• Member network access and engagement
• Webinars, roundtables, and forums
• Healthcare finance research and reports
• Working groups and industry initiatives
• Executive networking opportunities

2.3 DishCal PH Services

• Nutrition tracking and meal logging, with optional AI-assisted estimation
• Condition-specific nutritional targets
• Medication reminders and adherence tracking
• Clinical summary generation for sharing with your own healthcare provider

3. User Eligibility

You represent and warrant that you are at least 18 years of age and have the legal authority to enter into this agreement.

For MediPaid claims services and HFIC membership, you further represent that you are acting on behalf of an authorised organisation (clinic, HMO, healthcare provider, or similar), and that you will use the services only for lawful healthcare finance operations purposes.

For DishCal PH, you may register as an individual for your own personal health use, or as a parent or legal guardian managing the care of a person for whom you are legally responsible.

4. Account Registration & Responsibilities

4.1 Account Creation

To access certain features you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account and are liable for all activities under it.

4.2 Account Security

For MediPaid and HFIC accounts, you agree to use strong, unique passwords, notify us immediately of unauthorized access (support@medipaid.tech), log out after each session, and not share credentials with unauthorized parties.

DishCal PH accounts are secured by one-time passcodes sent to your registered mobile number. You are responsible for keeping control of that number and its device, and for notifying us promptly at support@medipaid.tech if either is lost or compromised.

5. Acceptable Use Policy

You agree NOT to:

• Use the platform for illegal or unethical healthcare practices
• Attempt to hack, reverse-engineer, or breach security systems
• Upload malware, viruses, or harmful code
• Harass, threaten, or abuse other users (especially in HFIC forums)
• Infringe on intellectual property or data privacy rights
• Violate healthcare regulations (PhilHealth, FDA, BIR, PRA requirements)
• Manipulate or misrepresent claims data
• Use automated tools to scrape or extract data without permission

6. Intellectual Property Rights

6.1 MediPaid, HFIC & DishCal PH IP

All content, features, and functionality (including software, logos, designs, and technology) are owned by MediPaid or HFIC or our licensors and are protected by international copyright, trademark, and patent laws.

6.2 User Content License

By uploading claims data, documents, health records, or communications, you grant us a non-exclusive, royalty-free license to process and analyze your data to provide services, store and back up your information securely, and use aggregated, anonymized data for analytics, research, and platform improvement. For HFIC only, we may share insights and learnings with HFIC members while maintaining confidentiality of your organization's proprietary information.

This license does not permit us to share your identified DishCal PH health data with anyone, except as set out in the Privacy Policy.

6.3 Restricted Uses

You may not reproduce, modify, or distribute our content without permission, use our branding or trademarks without authorization, or create derivative works based on our platform.

7. Fees, Billing & Payment

7.1 MediPaid Subscription Tiers

MediPaid offers DWY and DFY subscription models with pricing based on managed receivables, transaction volume, or flat monthly retainers as outlined in your service agreement.

7.2 HFIC Membership

HFIC membership is currently FREE for founding members (subject to application and approval). Future membership tiers may be introduced with advance notice.

7.3 Payment Terms (MediPaid and HFIC)

Invoices are due within 30 days of issuance (or as specified in contract). Late payments incur 1% monthly interest. Payment method: bank transfer, credit card, or as agreed. All prices are in Philippine Pesos (PHP) unless otherwise stated.

7.4 Billing Disputes

Report billing discrepancies within 30 days to support@medipaid.tech. We will investigate and resolve disputes in good faith.

7.5 DishCal PH Consumer Subscriptions

The terms in §7.3 apply to organisational accounts. DishCal PH consumer subscriptions are governed by this section instead.

• Plans. ₱199 per month or ₱1,990 per year, in Philippine Pesos, inclusive of applicable taxes. There are no setup fees, no hidden charges, and no fees beyond the plan price displayed at checkout.
• Free plan. Every account includes a permanently free plan: sign-up, logging meals, your full history, your targets, and up to two medication reminders. No payment method is collected, nothing counts down, and nothing is charged. Paying adds AI meal analysis, the complete condition-specific recommendation list, and unlimited medications. The two-medication limit applies only to adding new ones — medications you have already saved are never hidden or disabled.
• Authorisation and renewal. Subscribing requires you to expressly authorise a recurring charge on a screen stating the amount, the frequency, and the first and next charge dates. Your plan renews automatically at that price until cancelled.
• Cancellation. You may cancel at any time from within the application. Cancellation stops all future charges, and you retain access until the end of the period already paid for. We retain no payment method afterwards. See the Refund Policy.
• Failed payments. If a renewal charge fails we will retry up to three (3) times. Access continues during the retries and is paused after the final failure. Your data is retained in accordance with Privacy Policy §11.
• Refunds. Governed by the Refund Policy.
• Price changes. We will give at least 30 days' notice before any price change takes effect, and you may cancel before it applies. A change never re-prices a period already paid for.

7.6 Payment Methods and Processing

Payments for DishCal PH consumer subscriptions are collected through Xendit, a payment service provider licensed and regulated by the Bangko Sentral ng Pilipinas (BSP). At checkout you may pay using:

• All charges are made in Philippine Pesos (PHP) and the exact amount is displayed before you confirm.
• Card numbers, e-wallet credentials, and bank credentials are entered directly into Xendit's hosted checkout. They never pass through, and are never stored on, MediPaid systems — see Privacy Policy §8.
• A receipt confirming the amount, date, payment method, and plan is issued to your registered email address after each successful charge.
• You are charged only for the plan you selected. We do not add fees, surcharges, or third-party products to a transaction.

8. Service Level Agreement (SLA)

• MediPaid — Pilot Phase: Best-effort support; no guaranteed uptime.
• MediPaid — Active Contract: 99% uptime target; scheduled maintenance communicated in advance.
• HFIC: Best-effort support for webinars and member forums.
• DishCal PH: Best-effort support. DishCal PH is not a clinical safety system and must not be relied upon as the sole means of managing medication or diet — see Privacy Policy §18.
• Support Hours: 9 AM – 6 PM PHT, Monday–Friday. Emergency Contact: support@medipaid.tech.

9. Limitation of Liability

9.1 Disclaimer

Services are provided "AS IS" without warranties of any kind, express or implied. We do not warrant that services will be uninterrupted or error-free, that defects will be corrected, or that results will meet your expectations.

9.2 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEDIPAID'S AND HFIC'S LIABILITY FOR ANY DAMAGES, LOSSES, OR CLAIMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM.

9.3 Excluded Damages

IN NO EVENT SHALL MEDIPAID OR HFIC BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, REVENUE, DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF SUCH POSSIBILITY.

Nothing in this section limits any liability that cannot lawfully be limited under Philippine law.

10. Indemnification

You agree to indemnify, defend, and hold harmless MediPaid and HFIC from any claims, damages, or expenses arising from your violation of these terms, your unauthorized use of the platform, your infringement of third-party rights, or your violation of applicable healthcare laws or regulations.

11. Confidentiality

Both parties agree to maintain confidentiality of proprietary information shared during the relationship. This excludes information required to be disclosed by law, information that was previously public or independently developed, and (HFIC only) aggregated, de-identified insights shared with the member community.

12. Term & Termination

12.1 MediPaid Pilot Programs

30-day pilots can be terminated by either party with written notice. After 30 days, continued use constitutes acceptance of our standard service agreement terms.

12.2 HFIC Membership

HFIC membership is continuous during the membership year. Either party may terminate with 30 days' written notice. Founding members retain lifetime recognition status.

12.3 Service Termination

We may suspend or terminate services if you violate these terms or applicable law, engage in illegal healthcare practices, default on payment for 60+ days, or breach security or data protection obligations.

12.4 Data Upon Termination

Upon account termination we will provide a 30-day grace period to export your data. After 30 days, data is deleted unless required by law to retain.

For DishCal PH, you may export your meal history, medication records, and clinical summaries at any time while your account is active. Refunds are governed by §7.5.

13. Regulatory Compliance

You represent that your use of our services complies with all applicable regulations including the Data Privacy Act of 2012 (RA 10173), healthcare provider licensing and accreditation requirements, PhilHealth and insurance commission regulations, Bureau of Internal Revenue (BIR) compliance, Philippine Statistics Authority (PSA) data requirements, and GDPR where processing data of European Union residents.

14. Dispute Resolution

Negotiation. Any dispute shall first be subject to good-faith negotiation. Send notice to support@medipaid.tech.

Escalation. If negotiation fails within 30 days, disputes may be referred to mediation or arbitration under Philippine Arbitration Law.

Governing Law. These terms are governed by the laws of the Republic of the Philippines, without regard to conflict of law principles. Jurisdiction is in the Metropolitan Trial Court of Pasig City.

15. Modifications to Terms

We may update these terms periodically. Continued use of our services constitutes acceptance of updated terms. We will notify you of material changes via email or website notice.

16. Severability

If any provision of these terms is found invalid or unenforceable, the remaining provisions shall continue in effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid.

17. Medical Disclaimer

Privacy Policy §18 (Medical Disclaimer) is incorporated into these Terms by reference and forms part of your agreement with us.

18. Contact Information

Legal & Support Inquiries — support@medipaid.tech · Data Protection Officer — dpo@medipaid.tech Address: 117 E. Rodriguez Jr. Ave., C5, Pasig City, Philippines Websites: https://medipaid.tech · https://hfic.medipaid.tech · https://platoiq.medipaid.tech