TERMS AND CONDITIONS

IMPORTANT: Please read these Terms and Conditions carefully. By using Lendivel's services, you enter into a binding legal agreement. If you do not understand or agree to these terms, do not proceed.

1. FOUNDATION OF OUR PARTNERSHIP

1.1 The Nature of This Agreement

By engaging Lendivel's services, you establish a healthcare partnership governed by professional standards and legal obligations. This is not a casual consumer transaction. Your health decisions, our clinical recommendations, and mutual responsibilities carry genuine consequence.

This agreement clarifies:

The scope and nature of care Lendivel provides
Your responsibilities as a partner in your own care
Our responsibilities as your healthcare provider
Mutual expectations regarding communication, transparency, and compliance
How disputes or concerns will be addressed

1.2 Legal Foundation

This agreement comprises:

These Terms and Conditions
Our Privacy Policy
Your documented electronic consent
Your individual Care Agreement with Lendivel

Together, these form your complete contractual and professional relationship with Lendivel. Each component informs and reinforces the others.

1.3 Authority and Capacity

By accepting this agreement, you represent that:

You are at least 18 years of age (or have appropriate parental/guardian authorization)
You possess legal capacity to enter into healthcare agreements
You are not under legal restrictions preventing healthcare service engagement
You commit to providing complete and accurate health information
You have read, understood, and voluntarily accept these terms

1.4 Agreement Completeness

This agreement, as written, represents our complete understanding. It may be modified only through:

Written amendment signed by both parties
Formal policy update posted on our platform with explicit notification

No verbal commitments, email suggestions, or informal assurances override these written terms. If any staff member makes promises inconsistent with this agreement, those promises are not binding on Lendivel.

2. DEFINITIONS

"Lendivel" - Lendivel Healthcare Technology Platform, including all its services, website, applications, and staff.

"Services" - Retainer-based, continuous healthcare services including consultations, monitoring, care planning, and follow-ups provided by our Care Team.

"Care Team" - Licensed healthcare professionals including doctors, nutritionists, physiotherapists, psychologists, specialists, and other authorized healthcare providers assigned to your care.

"Virtual Assistant (VA)" - Human or AI-assisted support staff who handle scheduling, reminders, data entry, and coordination (not medical decision-making).

"Patient/You/User" - Any individual who engages Lendivel's services.

"Care Docket" - The operational and clinical record that documents your health information, care plan, and ongoing treatment.

"Care Rep" - Your primary assigned care provider (typically a doctor or specialist).

2.10 Additional Definitions

"Red Flag Symptoms" - Medical conditions requiring immediate emergency intervention (chest pain, severe bleeding, seizures, difficulty breathing, loss of consciousness, severe trauma).

"Informed Consent" - Your written acknowledgment that you understand Lendivel's scope, limitations, and responsibilities, made freely and without coercion.

"Care Agreement" - Your individual contract with Lendivel specifying services, fees, billing cycle, and care plan.

"Documented Consent" - Written or digitally recorded consent (WhatsApp, email, or signed document) that creates a timestamped record of your agreement.

2A. INFORMED CONSENT AND ACKNOWLEDGMENT

2A.1 Mandatory Informed Consent

Before receiving any services, you must provide documented consent acknowledging that you:

Understand Lendivel is NOT emergency care - We do not provide emergency room services, trauma care, or immediate life-saving interventions
Understand Lendivel's scope - We provide prevention-focused, continuity-based care only
Accept full responsibility for emergencies - You must seek emergency services (call 999, 112, or go to nearest hospital) immediately if you experience Red Flag Symptoms
Understand we are not a 24/7 service - Response times to non-urgent issues may be 24-48 hours
Understand outcomes depend on your adherence - Health results depend on you following medical and lifestyle recommendations
Understand data will be shared with your Care Team - Your information will be accessed by authorized Care Team members for treatment purposes only
Agree to provide accurate information - You take full responsibility for the accuracy and completeness of information you provide
Agree to disclose external treatments - You must immediately inform Lendivel of any care received outside Lendivel
Understand you may be terminated - Lendivel reserves the right to terminate your care for cause
Understand this is a binding agreement - These terms are legally enforceable

2A.2 Documentation of Consent

Consent documentation will include:

Timestamp of consent (date and time)
Your explicit acknowledgment of each point above
Your name and signature (physical or digital)
Verification that you had opportunity to ask questions
Record retained for minimum 7 years

Consent is NOT valid if:

You appear to be under the influence
You are in a crisis mental state
You do not have capacity to understand
You have not had time to read and consider these terms

3. DESCRIPTION OF SERVICES

3.1 The Lendivel Care Model

Lendivel operates through a longitudinal, coordinated care model structured around continuity and integration rather than episodic encounters. Key characteristics:

Retainer-based engagement: You retain a dedicated Care Team for ongoing health stewardship rather than paying per visit
Multidisciplinary coordination: Physicians, nutritionists, physiotherapists, psychologists, and specialists work collaboratively within your care plan
Primary Care Rep: A lead clinician (typically a physician) coordinates your overall care trajectory
Continuous monitoring: Regular structured check-ins track health status, progress, and emerging concerns
Data integration: Your Care Docket synthesizes medical history, current status, lifestyle factors, and treatment response into a unified health narrative
Proactive intervention: Care Team identifies patterns and intervenes before conditions escalate

3.2 Clinical Services Provided

Initial Assessment & Care Planning:

Comprehensive health history and baseline assessment
Initial clinical evaluation and risk stratification
Personalized care plan developed by your Care Rep
Baseline health metrics and functional assessment

Ongoing Clinical Management:

Structured follow-up intervals calibrated to case complexity:
- Stable/Preventive cases: Weekly assessment and monitoring
- Moderate complexity: Bi-weekly to tri-weekly engagement
- Complex/chronic cases: Frequent contact with daily monitoring capability
- Red flag/acute concerns: Immediate physician escalation
Treatment protocol development and ongoing adjustment
Medication management and optimization
Diagnostic testing coordination and result interpretation
Specialist referral and care coordination
Continuous progress documentation and outcome tracking

Integrated Health Management:

Evidence-based medical recommendations
Nutritional assessment and therapeutic nutrition planning
Physical rehabilitation and movement optimization
Psychosocial assessment and wellness support
Lifestyle modification counseling and adherence support
Preventive health screening and optimization

Care Coordination & Administration:

Communication with external healthcare providers
Appointment scheduling and reminder coordination
Administrative support via Virtual Assistant
Comprehensive medical record maintenance
Transition support to specialists when clinically indicated

3.3 Clinical Response Standards and Service Availability

Response commitments:

Red Flag/Acute symptoms: Immediate physician evaluation by telephone; guidance to emergency services if indicated
Urgent clinical concerns: Physician response same business day
Initial physician assessment (new patients): Within 24 business hours of intake
Routine clinical questions: Response within 24 business hours
Non-urgent administrative requests: 2-3 business days
Scheduled follow-up appointments: Per your established care plan
Regular monitoring contacts: Per case complexity and care protocol

Service hours: Business hours (specific hours defined in your Care Agreement). For life-threatening emergencies outside service hours, seek immediate emergency care (dial 999 or 112).

Important clarification: Lendivel is not a 24/7 emergency service. We are a structured, office-hours clinical platform. Emergencies require immediate emergency department evaluation regardless of time of day.

3.4 Red Flag Symptoms and Escalation Protocol

Red Flag Symptoms requiring immediate action:

Chest pain or pressure
Severe difficulty breathing
Uncontrolled severe bleeding
Seizures or loss of consciousness
Severe trauma
Suicidal thoughts or self-harm urges

When you report Red Flag Symptoms, Lendivel will:

Immediately escalate to a licensed doctor
Advise you to call emergency services (999, 112) or go to nearest hospital
Provide guidance on nearest emergency facility
Document the escalation and action taken
Support coordination with emergency team if possible

You understand:

Lendivel cannot replace emergency services
You must seek emergency help immediately
Emergency response is not Lendivel's responsibility
You take full responsibility for seeking emergency care

3.5 Clinical Model: Scope and Positioning

What distinguishes the Lendivel approach:

Longitudinal integration: Continuous relationship enables pattern recognition impossible in episodic care
Multidisciplinary coordination: Integrated team approach addresses interconnected factors—medical, nutritional, physical, psychological
Incentive alignment: Revenue model aligns with patient health maintenance, not disease acuity
Data synthesis: Behavioral, lifestyle, and clinical data inform holistic health management
Proactive management: Early pattern recognition and intervention prevent escalation
Personalization: Care protocols adapt to individual phenotype, not standardized algorithms

Lendivel provides:

Longitudinal health management and optimization
Coordinated intervention for identified health conditions
Specialist coordination and integration
Preventive health assessment and early detection
Evidence-based clinical care delivery

Lendivel does not provide:

Emergency stabilization or acute trauma management
Inpatient hospital or intensive care services
Surgical or invasive procedural care
Standalone mental health crisis intervention
Addiction medicine or rehabilitation services
Services outside our team's professional scope or licensure

Appropriate use cases:

Ongoing health management and optimization
Chronic disease management
Preventive health and risk reduction
Lifestyle modification and behavior change
Care coordination with specialists

Not appropriate for:

Life-threatening emergencies (use emergency services)
Acute trauma or severe injury
Psychiatric crisis (use crisis services)
Situations requiring immediate specialist evaluation
When you're uncertain—err on the side of emergency care

4. YOUR LEGAL RESPONSIBILITIES AND OBLIGATIONS

4.1 Accuracy and Completeness of Information - CRITICAL

You are legally responsible for:

Providing completely accurate medical history
Reporting all current and past medications (including over-the-counter, herbal, and supplements)
Disclosing all allergies (drug, food, environmental)
Reporting all surgeries, hospitalizations, and medical procedures
Disclosing mental health history (depression, anxiety, psychosis, suicidal ideation)
Reporting substance use (alcohol, tobacco, recreational drugs)
Immediately reporting any changes in your health status

Consequences of false information:

Lendivel is not liable for any complications, adverse reactions, or poor outcomes
Lendivel reserves the right to immediately terminate your care
You accept all legal and medical liability for outcomes
You indemnify and hold Lendivel harmless for any damages

4.2 Disclosure of External Care - MANDATORY

You MUST immediately disclose:

Any doctor visits or care from other providers
Any medications prescribed by other doctors
Any hospitalizations or emergency room visits
Any surgical procedures or diagnostic tests
Any over-the-counter or herbal treatments you start
Any changes to existing medications

Failure to disclose:

May result in immediate termination of your care agreement
Makes you liable for any complications from drug interactions or conflicting treatments
Releases Lendivel from liability for adverse outcomes

4.3 Adherence to Care Plan

You acknowledge that:

Your health outcomes depend significantly on your adherence to recommendations
Non-adherence to medications, lifestyle changes, or follow-up appointments reduces effectiveness
Lendivel is not responsible for poor outcomes caused by non-adherence
You bear all responsibility for outcomes of non-adherence

You will not:

Skip prescribed medications without consulting your Care Rep
Substitute recommended treatments with alternative therapies without disclosure
Ignore lifestyle recommendations (diet, exercise, sleep)
Avoid or reschedule appointments without valid reason
Self-diagnose or self-treat conditions without guidance

4.4 Mental Health Monitoring and Clinical Limitations

Lendivel's approach to mental health:

Comprehensive mental health assessment during initial evaluation
Ongoing monitoring for mood, anxiety, substance use, and psychosocial stressors
Integration of mental health factors into overall care planning
Collaboration with mental health specialists when indicated
Recognition of the interconnection between mental and physical health

Important clinical boundaries:

Lendivel is not a primary mental health treatment provider
We do not provide specialized psychotherapy or psychiatric treatment
We cannot serve as crisis intervention for acute mental health emergencies
We cannot provide inpatient psychiatric care or emergency psychiatric stabilization

If you are experiencing mental health concerns:

Disclose fully during your assessment and ongoing care
Inform your Care Rep immediately of any mood changes, anxiety, suicidal thoughts, or crisis feelings
Seek specialized mental health providers for therapy or psychiatric care
In acute crisis, contact emergency services or mental health crisis line immediately

Your responsibility:

Complete honesty about mental health history and current status
Engagement with specialist mental health providers as recommended
Immediate action if experiencing crisis or suicidal thoughts
Clear understanding that Lendivel monitors but does not replace specialized mental health care

Critical safety principle: Mental health crises require immediate emergency intervention. Do not delay seeking emergency care waiting for a Lendivel appointment.

4.5 Lifestyle Commitment

Your health depends on your commitment to:

Following dietary recommendations
Maintaining regular physical activity
Achieving adequate sleep (7-9 hours)
Managing stress effectively
Avoiding harmful substances or limiting use as recommended
Attending scheduled check-ins and appointments

Lendivel is not responsible for outcomes when you do not maintain these lifestyle commitments.

4.6 Communication Responsibility

You agree to:

Keep your contact information current
Respond to your Care Team within 24 hours for routine matters
Respond immediately to urgent communications
Be available for scheduled appointments
Update us of any contact changes immediately

5. LENDIVEL'S RESPONSIBILITIES, LIMITATIONS, AND LIABILITY PROTECTION

5.1 What Lendivel Commits To

Lendivel commits to:

Providing care by licensed healthcare professionals only
Following evidence-based medical practices
Documenting all care in your medical record
Maintaining confidentiality of your health information
Following Nigerian healthcare regulations and NITDA guidelines
Protecting your data with industry-standard security
Responding to urgent matters within 24 hours
Maintaining professional liability insurance

5.2 Comprehensive Liability Disclaimer and Release

By accepting these terms, you release and hold harmless Lendivel, its owners, staff, Care Team members, Virtual Assistants, and all representatives from any and all liability for:

Medical outcomes - Any health result, improvement, decline, or complication
Medication complications - Any side effects, allergic reactions, or drug interactions
Missed diagnoses - Any condition not detected or identified
Delayed diagnoses - Any delay in identifying a condition
External provider errors - Any errors by labs, specialists, hospitals, or referral providers
Diagnostic test delays - Any delay in receiving test results or communicating them
Non-adherence outcomes - Any complications from you not following recommendations
False information outcomes - Any complications from inaccurate information you provided
Mental health crises - Any suicide, self-harm, or mental health emergency
Emergency response failures - Any delay in emergency response or emergency provider delays
Drug interactions - Complications from medications prescribed by other providers
Lifestyle-related conditions - Outcomes from not following lifestyle recommendations
Third-party actions - Any actions or negligence of external providers
Data breaches - Loss, theft, or unauthorized access of data (covered under Privacy Policy)
Discontinuation of service - Any complications from termination of your care

5.3 Indemnification Clause

You agree to indemnify, defend, and hold harmless Lendivel from any claims, damages, costs, or liabilities arising from:

Your failure to disclose accurate health information
Your failure to disclose external treatments
Your non-adherence to medical recommendations
Your non-adherence to lifestyle recommendations
Your failure to seek emergency care when needed
Your delay in reporting health changes
Any actions or omissions by you

This means you assume all legal and financial responsibility for any damages resulting from your actions or omissions.

5.4 No Guarantee of Results

Lendivel explicitly does NOT guarantee:

Specific health improvements or outcomes
Prevention of any illness or condition
Early detection of all diseases
Prevention of disease progression
Cure of any condition
Reversal of symptoms or conditions
Any specific health result whatsoever

Health outcomes depend on multiple factors including genetics, lifestyle adherence, external care quality, and individual circumstances beyond Lendivel's control.

5.5 Limitations of Liability

Lendivel is NOT liable for:

Medical Limitations:

Any complication arising from your health condition
Any complication from medications prescribed by external providers
Any complication from treatments by external providers
Delayed diagnosis of any condition
Missed diagnosis of any condition
Any mental health crisis or emergency
Any substance use disorder complications
Any pregnancy or obstetric complications
Any death or serious injury

External Provider Limitations:

Errors or delays by laboratories
Errors or delays by imaging centers
Errors or delays by specialists or consultants
Errors or delays by pharmacies
Errors or delays by hospitals
Any complications from referrals we make

Patient Responsibility Limitations:

Any complications from non-adherence to medication
Any complications from non-adherence to lifestyle changes
Any complications from withholding information
Any complications from providing false information
Any complications from not seeking emergency care
Any complications from not following the care plan
Any complications from not reporting symptoms

Technical/Administrative Limitations:

System downtime or technical failures
Communication delays via WhatsApp, email, or other channels
Delayed responses during off-hours or weekends
Loss of data (covered under Privacy Policy)
Any force majeure events (natural disasters, government action, etc.)

Maximum Liability Cap: The total liability of Lendivel for any claim, whether in contract, tort, or any other legal theory, shall not exceed the total amount you paid Lendivel in the 12 months immediately preceding the claim. In no event shall Lendivel be liable for indirect, consequential, incidental, special, or punitive damages.

5.6 Virtual Assistant Disclaimer

Virtual Assistants (whether human or AI):

Do NOT make medical decisions
Do NOT diagnose conditions
Do NOT prescribe treatments
Handle only administrative tasks (reminders, scheduling, data entry)
Are supervised by licensed healthcare professionals

All medical decisions are made exclusively by licensed doctors or healthcare professionals on your Care Team.

5.7 No Emergency Service

Lendivel is explicitly NOT an emergency service. We:

Do not provide 24/7 emergency response
Do not guarantee response times for emergencies
Are not responsible for emergency response delays
Do not replace emergency medical services
Recommend you call 999, 112, or go to nearest hospital for emergencies

6. TERMINATION OF CARE AGREEMENT

6.1 Lendivel's Right to Terminate FOR CAUSE (Immediate)

Lendivel reserves the right to immediately terminate your care agreement without notice if:

You provide false health information that could endanger your safety or compromise care quality
You withhold critical health information (mental health history, substance use, suicidal ideation)
You conceal external treatments or medications from other providers
You are abusive, threatening, or harassing to any Lendivel staff member
You refuse reasonable medical recommendations consistently without valid reason
You fail to adhere to lifestyle recommendations causing preventable health deterioration
You violate confidentiality or privacy agreements
You repeatedly miss appointments (3+ missed without valid reason)
You fail to pay fees within 30 days of invoice date
You misuse our services (attempting to sell information, hacking accounts, fraud)
You violate these Terms and Conditions materially
You engage in illegal activity related to your care

Upon termination for cause:

No refund of fees
Your medical records will be made available within 30 days
We will not provide ongoing care
You may be reported to healthcare authorities if appropriate

6.2 Lendivel's Right to Terminate FOR SAFETY CONCERNS

Lendivel may terminate your care if:

We assess that our services cannot safely meet your needs
Your condition requires specialized care beyond our scope
You need inpatient or emergency care not provided by Lendivel
Mental health crisis indicates you need specialized mental health services
We determine your needs exceed our capacity

We will provide 14 days notice and assistance transitioning to appropriate care.

6.3 Patient's Right to Terminate

You may terminate your care agreement by:

Providing written notice at least 30 days in advance
Emailing support@lendivel.com with subject line "Termination Request"
Submitting through your account portal
Providing reasons for termination (optional)

Upon your termination:

You remain liable for all fees through the termination date
Monthly retainer is non-refundable after care begins
Your medical records are available for download or request
We may provide 30 days transition support

6.4 Effect of Termination

Upon termination for any reason:

Lendivel has no further obligation to provide care
You lose access to your Care Team
Your Virtual Assistant support ends
All future appointments are cancelled
You are responsible for obtaining alternative care
We will not be liable for any gaps in your care

7. PAYMENT, BILLING, AND FINANCIAL RESPONSIBILITY

7.1 Retainer Model Pricing and Non-Refundability

Services are provided on a monthly retainer basis
Fees are non-refundable once care has begun
"Care has begun" means your first appointment or initial health assessment
You acknowledge understanding this non-refundable structure before accepting services

7.2 Billing and Payment Terms

Monthly fees are billed in advance at the start of each billing cycle
Payment is due within 7 days of invoice
Late payment (after 7 days) may result in:
- Service suspension
- Addition of late fees
- Termination of care agreement
Invoices are sent via email or account portal

7.3 Refund Policy - Absolute

NO REFUNDS are provided for:

Monthly retainers once care has begun
Partial months
Cancellations for any reason
Services not fully utilized
Change of mind or dissatisfaction with service
Disagreement with recommendations

ONLY refund available:

Full refund only if you cancel before your first appointment/initial assessment begins

7.4 Agreement Term and Auto-Renewal

Initial care agreements are for minimum 12 months
Automatically renews for successive 12-month periods unless cancelled
Cancellation requests must be in writing at least 30 days before renewal date
If you don't cancel by deadline, you authorize automatic renewal billing

7.5 Third-Party and External Costs

Lendivel is NOT responsible for costs from:

Laboratory tests or diagnostic imaging
Specialist consultations or referrals
Hospital admissions or emergency care
Medications from external pharmacies
Transportation or accommodation
Any services provided outside Lendivel's system

You are responsible for all these costs.

7.6 Additional Services and Fees

Some services may incur additional fees beyond your monthly retainer:

Urgent after-hours consultations
Intensive monitoring (daily vs. weekly check-ins)
Specialized consultations
Travel or home visits
Complex care coordination

These will be communicated in advance and require separate consent.

7.7 Financial Hardship

Lendivel is not obligated to provide financial hardship exceptions
Requests may be considered at Lendivel's sole discretion
Non-payment may result in service termination
Payment plans are not automatically available

8. PROFESSIONAL STANDARDS, DOCUMENTATION, AND RECORDS

8.1 Professional Standards and Licensing

All Care Team members are licensed healthcare professionals in their respective fields in Nigeria
Lendivel maintains professional liability insurance
All Care Team members comply with their professional regulatory bodies
Lendivel maintains confidentiality and follows healthcare ethics

8.2 Medical Records and Documentation

Your Care Docket (medical record) is maintained securely
All interactions, assessments, and recommendations are documented
Records are retained for minimum 7 years after care termination
You have the right to request and receive your complete medical records
Records are provided within 30 days of written request

8.3 Documentation of Care Decisions

Your Care Team documents all clinical decisions and rationale
Treatment plans are recorded in your Care Docket
All medications and recommendations are documented
Patient education and warnings are documented
Non-adherence is documented when observed

This documentation protects both you and Lendivel by creating an accurate record of care provided.

8.4 Incident and Adverse Event Reporting

If you experience an adverse event (unexpected harm, medication reaction, etc.):

Report immediately to your Care Team
Complete an incident report form
Lendivel will investigate and document
You will be updated on findings
Report will be retained for legal protection

8A. DATA, PRIVACY, AND CONFIDENTIALITY

8A.1 Strict Confidentiality

Your health information is:

Confidential and shared only with authorized Care Team members
Protected under healthcare and data protection laws
Secured with industry-standard encryption and access controls
Never sold to external parties without legal requirement
Never marketed to third parties
Discussed only with healthcare professionals for your treatment

8A.2 Permitted Information Sharing

Your information may be shared with:

Your assigned Care Rep (primary doctor)
Authorized specialists and Care Team members (with your knowledge)
External labs or specialists you're referred to (with notification)
Emergency services in life-threatening situations
Government/legal authorities if legally required (with notice where permitted)

All sharing is for treatment purposes only.

8A.3 Information You MUST Disclose

For our protection and yours, you must fully disclose:

Complete medical history (including past surgeries, hospitalizations, chronic conditions)
Mental health history (depression, anxiety, psychosis, suicidal thoughts, psychiatric hospitalization)
Substance use (alcohol, tobacco, recreational drugs, prescription drug abuse history)
Medication allergies and reactions (including severity)
All current medications (including over-the-counter and herbal)
All external healthcare (doctors, providers, hospitals)
Pregnancy status (if applicable)
Recent infections or illnesses

Failure to disclose makes you liable for any complications resulting from incomplete information.

8A.4 Data Breach and Security

While Lendivel maintains industry-standard security:

No system is 100% secure
You acknowledge this risk by using our services
Lendivel maintains cyber insurance for data breaches
In event of breach, affected individuals will be notified per legal requirements
Lendivel is not liable for hacking, theft, or unauthorized access beyond reasonable security

See our Privacy Policy for complete data protection details.

9. INTELLECTUAL PROPERTY

All content on Lendivel's website and within our services, including text, images, designs, logos, and software, is the intellectual property of Lendivel or its licensors. You may not reproduce, distribute, or use any content without explicit written permission from Lendivel.

9. INTELLECTUAL PROPERTY

10. SEVERABILITY, SURVIVAL, AND ENFORCEMENT

10.1 Severability

If any provision is found invalid or unenforceable, that provision only is removed or modified to minimum extent necessary. All other provisions remain fully enforceable.

10.2 Survival of Terms

These provisions survive termination:

Liability limitations and disclaimers
Indemnification obligations
Confidentiality and privacy provisions
Payment obligations
Dispute resolution provisions

10.3 Entire Agreement

This agreement, combined with your Privacy Policy consent and Care Agreement, is the complete and exclusive understanding between you and Lendivel. All prior negotiations and understandings are superseded.

11. LIMITATION OF LIABILITY AND COMPREHENSIVE DISCLAIMER

To the maximum extent permitted by Nigerian law and international legal principles:

11.1 Comprehensive Liability Disclaimer

Lendivel and all associated parties are NOT LIABLE for any and all damages, losses, or harm arising from:

Medical and Health-Related:

Any health outcome, improvement, decline, or complication
Any disease, condition, or symptom
Any medication side effect or drug interaction
Any missed diagnosis or delayed diagnosis
Any complication from treatment or non-treatment
Any mental health crisis, suicide, or self-harm
Any substance use disorder complications
Any pregnancy or obstetric complications
Any complications from disability or chronic conditions
Any death or serious injury

External Providers and Services:

Errors or negligence of laboratories, imaging centers, or diagnostic providers
Errors or negligence of specialists, consultants, or hospitals
Delays in test results or referral processing
Any complication from external provider services
Any complication from medications prescribed by external providers
Any complication from external provider recommendations

Patient Responsibility:

Any complication from withholding or falsifying information
Any complication from not disclosing external treatments
Any complication from non-adherence to medical recommendations
Any complication from non-adherence to lifestyle recommendations
Any complication from not seeking emergency care
Any complication from delaying reporting of symptoms
Any complication from refusing recommended treatment

Technical and Administrative:

System downtime, technical failures, or service interruptions
Communication delays via email, WhatsApp, or other platforms
Delayed responses during evenings, weekends, or holidays
Loss, theft, or unauthorized access of data
Any force majeure events (natural disasters, pandemics, government action)

Indirect and Consequential:

Loss of income, profits, business opportunities, or financial harm
Emotional distress, psychological harm, or mental anguish
Loss of earnings or earning capacity
Damage to reputation or relationships
Any indirect, incidental, special, or consequential damages
Punitive or exemplary damages

11.2 Maximum Liability Cap

The total aggregate liability of Lendivel for ANY claim, regardless of legal theory, shall NOT exceed the total amount you actually paid Lendivel in the 12 months immediately preceding the claim.

If you paid nothing, Lendivel's maximum liability is zero.

11.3 Essential Purpose of Disclaimers

These liability limitations are essential to the Terms and Conditions. Without these protections, Lendivel cannot reasonably offer these services. By accepting these terms, you acknowledge that these limitations are fair and reasonable.

11.4 Applicability to All Legal Theories

These limitations apply regardless of:

Legal theory (contract, tort, negligence, strict liability, etc.)
Whether Lendivel was advised of potential damages
Whether any remedy fails of its essential purpose
Whether damages are foreseeable or unforeseeable
Whether damages arise from Lendivel's actions or omissions

11.5 No Waiver of Immunity

Nothing in these Terms and Conditions waives any legal immunity or protection available to Lendivel under Nigerian law or international law.

12. DISCLAIMERS AND ACKNOWLEDGMENTS

12.1 No Guarantee of Results

Lendivel explicitly and unequivocally does NOT guarantee:

Any specific health improvements or outcomes
Prevention of any illness or disease
Early detection of any condition
Prevention of disease progression
Cure of any condition or reversal of symptoms
Extension of lifespan or quality of life improvements
ANY specific health result whatsoever

Health outcomes depend on genetics, patient adherence, external care quality, and circumstances beyond Lendivel's control.

12.2 Not Emergency Care

These services are NOT emergency medical care. In life-threatening emergencies:

Call 999, 112, or your local emergency number immediately
Go to the nearest hospital emergency room
Lendivel cannot provide emergency response
Lendivel is not responsible for emergency response delays

12.3 Prevention-First Model

Lendivel provides prevention-focused, continuity-based care only. We:

Focus on early detection and lifestyle optimization
Do NOT replace specialized medical care
Do NOT replace emergency services
Do NOT replace hospital or intensive care
May refer you to specialists when needed

12.4 Acknowledgment of Understanding

By using Lendivel services, you acknowledge and represent that:

You fully understand these Terms and Conditions
You have read them carefully and understand all implications
You understand all limitations and disclaimers
You understand you are accepting all responsibility and risk
You have had opportunity to ask questions
You understand this is a legally binding agreement
You understand Lendivel's scope and limitations
You understand you must seek emergency care when needed
You understand you are providing accurate health information
You understand your adherence impacts outcomes
You understand outcomes are not guaranteed
You will disclose all external treatments immediately

13. COMPLIANCE WITH LAWS

13.1 Nigerian Healthcare Regulations

Lendivel operates in compliance with:

Nigerian Medical and Dental Council regulations
NITDA (National Information Technology Development Agency) guidelines
Nigerian Data Protection Regulation (pending/emerging)
All applicable Nigerian healthcare laws and standards
All Care Team members maintain proper licensing and registration

13.2 GDPR Compliance (EU Users)

If you are located in the EU:

Your data is protected under GDPR
You have rights to access, correct, delete personal information
You have the right to lodge complaints with your local data protection authority
Standard Contractual Clauses govern international data transfers

13.3 International Compliance

For users outside Nigeria:

Lendivel complies with local healthcare regulations where possible
You are responsible for understanding local healthcare laws
You understand Lendivel's primary regulatory jurisdiction is Nigeria

14. DISPUTE RESOLUTION

14.1 Informal Resolution (Mandatory First Step)

Before pursuing legal action, you agree to:

Contact Lendivel at support@lendivel.com with dispute details
Provide written description of the issue
Allow 30 days for Lendivel to investigate and respond
Attempt good-faith resolution

Contact:

Email: support@lendivel.com
Alternative: info@lendivel.com
WhatsApp: 098-765-4321
Website: https://www.lendivel.com

14.2 Escalation for Unresolved Disputes

If informal resolution fails after 30 days:

Disputes may be referred to mediation
Disputes may be referred to healthcare regulatory bodies
Disputes may proceed to arbitration or court proceedings

14.3 Governing Law and Jurisdiction

These Terms and Conditions are governed by Nigerian law
You consent to the jurisdiction of Nigerian courts
Any legal proceedings shall be conducted in English language
Nigerian legal principles shall govern interpretation

14.4 Time Limitation for Legal Claims

Any legal claim must be brought within:

2 years of the date you discovered or should have discovered the issue
Claims brought after 2 years are forever barred

15. MODIFICATIONS TO TERMS

Lendivel may modify these Terms and Conditions at any time by:

Posting updated terms on the website
Updating the "Last Modified" date
Notifying users via email of material changes

Your rights regarding modifications:

You may terminate if you disagree with material changes
Termination notice must be provided within 30 days of notification
Continued use constitutes acceptance of changes

16. CONTACT INFORMATION

For questions or concerns about these Terms and Conditions:

Lendivel

Email: support@lendivel.com
Alternative Email: info@lendivel.com
WhatsApp: 098-765-4321
Website: https://www.lendivel.com

Response Commitment: We will acknowledge your inquiry within 2-3 business days and provide substantive response within 14 days.

17. RELATIONSHIP TO PRIVACY POLICY

These Terms and Conditions work in conjunction with our Privacy Policy. Both documents are binding and complementary. In case of conflict, these Terms and Conditions take precedence regarding legal liability, while the Privacy Policy governs data handling.

FINAL ACKNOWLEDGMENT AND ELECTRONIC CONSENT

By using Lendivel services, you acknowledge that:

You have read and fully understood these Terms and Conditions
You understand all risks, limitations, and disclaimers
You accept all responsibility for your healthcare decisions
You understand Lendivel's scope and cannot guarantee outcomes
You commit to full transparency and accuracy in all health information
You understand you must seek emergency care immediately when needed
You will immediately disclose all external treatments
You will adhere to medical and lifestyle recommendations for best results
You accept these legal protections and liability limitations
You enter this agreement freely and voluntarily

ELECTRONIC CONSENT AND BINDING AGREEMENT

You agree to provide your consent to these Terms and Conditions by:

Clicking "I Agree" in the Lendivel app or website
Replying "I Agree" via WhatsApp to your Virtual Assistant
Signing digitally through our electronic signature system
Sending signed email confirmation acknowledging acceptance

Your electronic consent will be:

Time-stamped with date and exact time
Associated with your account and contact information
Stored in your Care Docket as proof of agreement
Retained for minimum 7 years as legal documentation
Used as evidence of your binding commitment if needed

By providing electronic consent, you are:

Legally binding yourself to these Terms and Conditions
Confirming you read and understood all sections
Confirming you had opportunity to ask questions
Confirming you accept all risks and limitations
Confirming you provide accurate health information
Acknowledging this constitutes your digital signature

Legal Status of This Agreement

This Terms and Conditions constitutes a legally binding healthcare agreement. By proceeding with Lendivel, you affirm that you have:

Read and comprehended all terms, conditions, and limitations herein
Had opportunity to seek clarification on any provision
Voluntarily accepted the responsibilities and obligations outlined
Understood Lendivel's scope of care and professional limitations
Committed to providing accurate, complete health information

Should you have questions or require clarification before proceeding, please contact support@lendivel.com. We welcome discussion of these terms and your concerns.

By providing electronic consent—whether through clicking "I Agree," replying via WhatsApp, or digital signature—you formally enter into this care partnership with Lendivel and accept all provisions, responsibilities, and limitations as stated.

End of Terms and Conditions

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