Terms of Service

Definitions

For purposes of these Terms, the following definitions shall apply:

• App means the Ayubo mobile application.
• Company means FIIC Ventures LLC, a Wyoming limited liability company.
• Personal Information means any information that relates to an identified or identifiable natural person. This includes, but is not limited to, your name, email address, medical reports, health data, and any other information you upload or submit to the App, and any other information you provide to us that can be used to identify you, directly or indirectly. This definition includes "personal data" as that term may be defined under applicable laws.
• Services means the services related to the App as described herein, including but not limited to report uploading, AI-powered analysis, medical professional review, and report tracking.
• Terms means these Terms of Service.
• User or you means any individual who accesses or uses the App or Services.
• Using or Use means accessing or utilizing the App and Services for their intended purpose, including but not limited to uploading, viewing, interacting with features, and data processing.

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your access to and use of the Ayubo mobile application (the "App") and its related services (collectively, the "Services"), provided by FIIC Ventures LLC, a Wyoming limited liability company ("Company," "we," "us," or "our"). By accessing or using the App or Services, you ("you" or "User") agree to be bound by these Terms. If you do not agree to all of these Terms, you are not authorized to use the App or Services.

These Terms constitute a legally binding agreement between you and the Company. These Terms are applicable to all users including those residing in Sri Lanka.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use the App and Services. By using the App, you represent and warrant that you meet these eligibility requirements.

3. Description of Services

Ayubo provides a health record tracking and preventative health management platform. The Services include the following:

3.1 Report Uploading and AI-Powered Analysis

You can upload your medical reports (e.g., lab results, diagnostic reports, imaging reports) to the App. Our artificial intelligence (AI) algorithms analyze your uploaded reports to generate insights, including identification of key health markers, trend analysis, and contextual interpretation of results.

3.2 Medical Professional Review

A qualified medical professional reviews the AI-generated analysis for quality assurance purposes. This review is performed to validate the accuracy and appropriateness of the AI-generated insights. This review does not constitute medical advice, diagnosis, or treatment, and does not establish a doctor-patient relationship between you and the reviewing professional.

3.3 Report Tracking and Historical Data

You can track your uploaded reports and view historical data within the App, including trend visualizations showing how your health markers have changed over time.

3.4 Health Risk Assessments

Ayubo provides validated health risk assessment tools to help you understand your risk profile across key health domains. These risk assessments currently include:

Risk scores are generated using validated, published clinical algorithms combined with data from your uploaded reports and information you provide through in-app questionnaires. The Company may add, modify, or discontinue specific risk assessment tools at its discretion.

3.5 Ayubo Age (Biological Age Estimation)

Ayubo provides a biological age estimation feature ("Ayubo Age") that calculates an estimate of your body's physiological age based on biomarkers from your uploaded reports. Ayubo Age uses internationally recognized, peer-reviewed methodologies to generate this estimate.

The accuracy and confidence of your Ayubo Age calculation depends on the number and type of biomarkers available from your uploaded reports. When complete biomarker data is available, a higher-confidence calculation is performed; when fewer biomarkers are available, an alternative validated method may be used with an adjusted confidence indicator. If insufficient biomarker data is available, the App will prompt you to upload additional reports.

Ayubo Age is an educational and informational tool designed to help you understand how your lifestyle and health choices may be affecting your body at a physiological level. It is not a diagnostic measure and should not be used as a substitute for clinical assessment by a qualified healthcare provider.

3.6 Initial Health Review

Ayubo offers an "Initial Health Review" - a paid, one-on-one virtual consultation with a qualified medical professional conducted via video call. This consultation is available to Users who have completed one or more risk assessments or their Ayubo Age calculation and wish to discuss their results with a doctor.

The Initial Health Review includes:

• A comprehensive review of your uploaded reports, risk scores, and Ayubo Age (if calculated)
• A personalized Health Strategy Session report summarizing your current health status, risk factor interpretation, and recommended focus areas
• Discussion of your health concerns and goals with the reviewing physician
• Guidance on potential next steps, which may include self-management recommendations, lifestyle modifications, or information about Ayubo Care Programs

The Initial Health Review is subject to the following conditions:

• Paid Service: The Initial Health Review is a paid consultation. The applicable fee is displayed in the App at the time of booking and must be paid in full before the consultation is scheduled.
• Scheduling: Consultations are scheduled based on physician availability. The Company will make reasonable efforts to accommodate your preferred time but does not guarantee specific scheduling.
• Cancellation Policy: The following cancellation terms apply once payment is confirmed and the consultation is scheduled:
  • If you cancel within 24 hours after scheduling the consultation, you are eligible for a 75% refund of the consultation fee. The remaining 25% is retained as an administrative fee.
  • If you cancel more than 24 hours after scheduling, no refund will be issued regardless of how far in advance the consultation is.
• Rescheduling Policy: You may reschedule your Initial Health Review up to three (3) times, subject to the following conditions:
  • Each reschedule request must be submitted at least 24 hours before the currently scheduled consultation time.
  • When you reschedule, your current time slot is released immediately and you must select a new available slot.
  • Reschedule requests submitted less than 24 hours before the scheduled consultation time are not permitted. If you are unable to attend at that point, the no-show policy applies.
  • After three reschedules, any further changes will be treated as a cancellation subject to the cancellation policy above.
• No-Show Policy: If you fail to attend your scheduled Initial Health Review without prior cancellation or rescheduling, the full consultation fee is forfeited and no refund will be issued.
• Company-Initiated Cancellation: If the Company or the consulting physician cancels the consultation for any reason, you will receive a full refund or the option to reschedule at no additional cost.
• Scope Limitations: The Initial Health Review is a preventative health assessment and risk interpretation session. It is not an emergency consultation, does not include prescribing of medications, and does not replace ongoing care from your existing healthcare providers.

3.7 Care Programs

Ayubo may offer structured Care Programs designed for ongoing health management, such as chronic condition management programs and assisted care programs. These Care Programs, when available, are separate paid services governed by their own specific terms, pricing, commitment periods, and enrollment requirements, which will be presented to you prior to enrollment.

Enrollment in any Care Program requires completion of an Initial Health Review as a qualification and eligibility assessment. The Company reserves the right to determine eligibility for Care Programs based on clinical appropriateness and operational capacity.

4. Important Disclaimers - No Medical Advice

4.1 Informational Purposes Only

The insights and information provided by Ayubo - including AI-generated analyses, medical professional reviews, risk scores, Ayubo Age calculations, and Health Strategy Session reports - are for informational and educational purposes only. They are not intended to be, and should not be considered, medical advice, diagnosis, or treatment.

4.2 No Doctor-Patient Relationship

Your use of the free features of Ayubo (including report uploading, AI analysis, risk scores, and Ayubo Age) does not create a doctor-patient relationship between you and the Company, or between you and any medical professional associated with the Company. The medical professional's review of AI-generated insights is solely for internal quality control purposes.

The Initial Health Review is a paid preventative health consultation. While it involves a direct interaction with a qualified medical professional, it is a one-time assessment focused on risk interpretation and health strategy, and does not constitute an ongoing doctor-patient relationship unless you subsequently enroll in a Care Program with specific terms governing that relationship.

4.3 Risk Score and Ayubo Age Limitations

Health risk assessments (FINDRISC, Fatty Liver Index, PREVENT Score) and Ayubo Age calculations are generated using validated scientific algorithms and the data you provide. However:

• These scores are statistical estimates based on population-level data and may not accurately reflect your individual risk or physiological age.
• Results are only as accurate as the data you provide. Incomplete, inaccurate, or outdated information will affect the reliability of your results.
• Risk scores do not diagnose any condition. A high-risk score does not mean you have or will develop a condition; a low-risk score does not guarantee that you will not.
• Ayubo Age is an educational estimate, not a clinical diagnosis. It reflects general physiological trends and should not be interpreted as a definitive measure of your health status.
• These tools are based on algorithms developed and validated primarily in specific study populations and may have varying degrees of applicability across different demographic and ethnic groups.
• The Company does not guarantee the accuracy, completeness, or clinical applicability of any risk score or biological age calculation.

4.4 Consult Your Healthcare Provider

You should always consult with your own qualified healthcare provider (e.g., your doctor, physician, specialist) for any health concerns, medical advice, diagnosis, or treatment. Do not disregard professional medical advice or delay in seeking it because of something you have read, seen, or learned through Ayubo, including risk scores, Ayubo Age, or the Initial Health Review.

4.5 No Responsibility for User Actions

The Company is not responsible for any actions you take or decisions you make based on the information provided by Ayubo, including risk scores, Ayubo Age, Initial Health Review reports, or any other output of the Services. You are solely responsible for your own healthcare decisions and for seeking appropriate professional medical care.

4.6 AI and Algorithm Limitations

The AI-powered insights, risk assessment algorithms, biological age calculations, and the medical professional's review are based on the data you provide and available algorithms. They may not be complete, accurate, or applicable to your individual circumstances. They are tools to assist you in understanding your health information, but they are not a substitute for a comprehensive medical evaluation by your own healthcare provider.

5. User Responsibilities and Conduct

5.1 Accurate Information

You are responsible for ensuring that all personal and health information you upload to or enter into Ayubo - including your medical reports, questionnaire responses, biometric data, and personal details - is accurate, complete, and up-to-date. Inaccurate information will directly affect the quality and reliability of your risk scores, Ayubo Age, and any other outputs generated by the Services. You represent and warrant that you have the right and authority to upload such information.

5.2 Intellectual Property

You are responsible for ensuring that the reports and content you upload do not infringe any third-party intellectual property rights.

5.3 Lawful Use

You agree to use Ayubo only for lawful purposes and in accordance with these Terms. You will not use the App for any illegal, harmful, or unauthorized purpose.

5.4 Prohibited Conduct

You agree not to:

• Upload any content that is false, misleading, defamatory, obscene, offensive, threatening, harassing, or discriminatory.
• Attempt to gain unauthorized access to the App, our servers, or any other User's account.
• Interfere with or disrupt the operation of the App or Services.
• Use any automated means (e.g., robots, spiders) to access or collect data from the App.
• Reverse engineer, decompile, or disassemble any part of the App.
• Transmit any viruses, worms, or other malicious code.
• Upload personal information or health data that you do not have the rights to share.
• Violate any applicable laws or regulations.
• Use the platform to obtain insights about individuals other than yourself or attempt to impersonate anyone else.
• Manipulate or intentionally provide false data to risk assessment questionnaires or other data-collection features in order to generate misleading results.
• Record, redistribute, or publicly share the content of any paid consultation, Health Strategy Session report, or other proprietary outputs without the Company's prior written consent.

5.5 Account Security

If account creation is required, you are responsible for maintaining the confidentiality of your account credentials (username and password) and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

5.6 Consultation Conduct

When participating in an Initial Health Review or any other consultation facilitated through the App, you agree to engage respectfully and in good faith. You acknowledge that the consulting professional's time is limited and that the consultation is focused on the scope described in these Terms. Abusive, threatening, or inappropriate conduct during consultations may result in immediate termination of the session without refund and potential suspension of your account.

6. Payments, Refunds, and Billing

6.1 Paid Services

Certain Services, including the Initial Health Review and Care Programs (when available), require payment. Applicable fees are displayed in the App at the time of purchase or enrollment. All prices are listed in the applicable currency (Sri Lankan Rupees or as otherwise indicated) and are inclusive of applicable taxes unless stated otherwise.

6.2 Payment Processing

Payments are processed through third-party payment processors. The Company does not store your payment card details. By making a payment, you agree to the terms of the applicable payment processor. The Company is not responsible for errors, delays, or failures caused by the payment processor.

6.3 Refund Policy

• Initial Health Review: Cancellations made within 24 hours after scheduling are eligible for a 75% refund. Cancellations made more than 24 hours after scheduling, and no-shows, are non-refundable. If the consultation is cancelled by the Company or the consulting physician, you will receive a full refund or the option to reschedule at no additional cost. Please refer to Section 3.6 for the complete cancellation and rescheduling policy.
• Care Programs: Refund and cancellation terms for Care Programs are governed by the specific Care Program terms presented at the time of enrollment.
• Free Services: The free features of the App (report uploading, AI analysis, risk scores, Ayubo Age) are provided at no charge and are not subject to refund terms.

6.4 Price Changes

The Company reserves the right to change the pricing of any paid Service at any time. Price changes will not affect Services already purchased or active commitments already made unless otherwise specified in the applicable program terms.

7. Intellectual Property Rights

7.1 Company Ownership

The Company owns all rights, titles, and interests in and to the App and Services, including the AI algorithms, risk assessment methodologies, biological age calculation models, software, design, trademarks, Health Strategy Session report templates, and all other intellectual property rights, excluding Personal Information (defined below).

7.2 Personal Information

You retain ownership of the medical reports, health data, and personal information you upload to or enter into the App ("Personal Information"). By uploading or entering Personal Information, you grant the Company a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, distribute, and display your Personal Information solely for the purposes of providing the Services, including analyzing your reports, generating risk scores and Ayubo Age calculations, preparing Health Strategy Session reports, facilitating consultations, and performing quality assurance reviews.

7.3 De-identified and Aggregated Data

You acknowledge and agree that the Company may de-identify and aggregate your Personal Information (removing all personally identifiable details) and use such de-identified, aggregated data for research, product improvement, and analytics purposes. De-identified data cannot reasonably be used to identify you.

7.4 Health Strategy Session Reports

Health Strategy Session reports generated as part of the Initial Health Review are provided for your personal use only. You may share your report with your own healthcare providers. You may not commercially redistribute, publish, or resell these reports without the Company's prior written consent.

7.5 Feedback

If you provide us with any feedback, suggestions, or ideas about the App or Services ("Feedback"), you grant us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, distribute, and display your Feedback for any purpose, without any obligation to compensate you.

8. Privacy and Data Processing

Your privacy is important to us. Our collection, use, and disclosure of your Personal Information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to our data practices as described in the Privacy Policy.

In particular, you acknowledge that:

• Your uploaded reports and health data are processed by AI algorithms to generate insights, risk scores, and Ayubo Age calculations.
• Your health data may be shared with qualified medical professionals engaged by the Company for the purpose of quality assurance reviews and paid consultations.
• Your risk scores, Ayubo Age, and other computed health metrics are stored within the App to enable historical tracking and trend analysis.
• Data you enter through risk assessment questionnaires is combined with data from your uploaded reports to generate comprehensive risk profiles.

9. Limitation of Liability

9.1 No Warranties

The App and Services are provided "as is" and "as available" without warranties of any kind, either express or implied. The Company disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and reliability. We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Without limiting the foregoing, the Company makes no warranty or representation regarding the accuracy, reliability, or applicability of any risk score, Ayubo Age calculation, AI-generated insight, or Health Strategy Session report to your individual health circumstances.

9.2 Exclusion of Damages

To the maximum extent permitted by Wyoming law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your use of, or inability to use, the App or Services, even if the Company has been advised of the possibility of such damages. This includes, without limitation, any damages arising from reliance on risk scores, Ayubo Age calculations, or advice provided during an Initial Health Review.

9.3 Maximum Liability

In no event shall the Company's total liability to you for all claims arising out of or relating to these Terms or your use of the App or Services exceed the amount you have paid to the Company, if any, for access to the Services in the twelve (12) months preceding the claim. If you have not paid anything, then the Company has no liability.

9.4 HIPAA Disclaimer

While we take data security seriously, Ayubo is not intended to be a "covered entity" or "business associate" as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). We do not guarantee compliance with HIPAA. If you are a healthcare provider or other entity subject to HIPAA, you should not use Ayubo to transmit or store Protected Health Information (PHI) in a manner that would violate HIPAA.

9.5 Clinical Outcomes Disclaimer

The Company does not guarantee any specific health outcome, improvement in risk scores, reduction in Ayubo Age, or any other clinical result from using the Services, including paid consultations and Care Programs. Health outcomes depend on numerous factors outside the Company's control, including your adherence to recommendations, pre-existing conditions, genetics, and the care provided by your own healthcare providers.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, licensors, consulting medical professionals, and suppliers, from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your use of the App or Services, your violation of these Terms, your violation of any rights of another party, your Personal Information, or any actions you take based on information provided through the Services.

11. Termination

11.1 Termination by the Company

We may suspend or terminate your access to the App and Services, with or without cause, at any time and without notice. We may also terminate or suspend your account if you violate these Terms.

11.2 Termination by You

You may stop using the App and Services at any time. If account deletion is available, you may delete your account according to the instructions within the App.

11.3 Effect of Termination

Upon termination, your right to use the App and Services will immediately cease. We may delete your Personal Information after a reasonable period of time, subject to our data retention policies and legal obligations. Any paid Services that have not yet been delivered at the time of termination will be handled according to the refund policy in Section 6. Sections 7, 8, 9, 10, 11, 12, 13, and 15 shall survive termination.

11.4 Data Export

Prior to account deletion, you may request an export of your uploaded reports and Personal Information, subject to technical feasibility and applicable law. The Company will make reasonable efforts to provide your data in a commonly used format within a reasonable timeframe.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of laws principles.

12.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the App or Services shall, as a first step, be subject to good faith negotiations between you and the Company. If the dispute cannot be resolved through negotiation, it shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Cheyenne, Wyoming, or another mutually agreeable location in Wyoming. The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.

12.3 Class Action Waiver

You and the Company agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

13. Modifications to Terms

The Company reserves the right to modify these Terms at any time. We will post the updated Terms on the App and update the "Effective Date" at the top of this document. We may also provide you with notice of material changes via email or other means. Your continued use of the App or Services after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree with the revised Terms, you must stop using the App and Services.

14. Entire Agreement

These Terms, together with our Privacy Policy and any applicable Care Program terms, constitute the entire agreement between you and the Company regarding your use of the App and Services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and the Company.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be struck and the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be deemed modified to the extent necessary to make it valid and enforceable, while preserving its intent. If any provision of this agreement is deemed unenforceable in the State of Wyoming, USA, the specific provision shall be severed from this agreement without affecting the enforceability of the other provisions.

16. Contact Information

If you have any questions about these Terms, please contact us at:

FIIC Ventures LLC
1309 Coffeen Avenue, STE 1200
Sheridan, WY 82801
Email: contact@fiic.ventures