Oaceus 360°

© 2026 Oaceus. All rights reserved.

Oaceus 360°

Last Updated: March 2026

Terms & Conditions

Welcome to the Oaceus Insurance Services, LLC (“Oaceus” or “The Company”) website (www.oaceus.com) and portal (https://portal.oaceus.com) (collectively, the “Site”). The Company provides online health-related services by arranging for video, telephone, or electronic mail medical consultations with a licensed physician, providing electronic medical record storage, and other related products and services (collectively, the “Services”). Company does not in any way provide medical services of any kind. The Company’s business is exclusively providing referrals for the services, for which the Company charges a fee.

As used in these Terms and Conditions, “The Company” means and includes The Company, its parent, subsidiaries and affiliated entities, “you” or “your” means you, your dependent(s), if any, and any other person eligible for access to your The Company account. These Terms and Conditions apply to your use of the Site and, to the extent referenced, to your registration for, subscription to, and use of The Company Services. The Company may, at any time and from time to time, in its sole discretion, change these Terms and Conditions. Any changes to these Terms and Conditions will be effective immediately upon posting of the changed Terms and Conditions on the Site. You agree to review these Terms and Conditions periodically, and your use of the Site following any such change constitutes acceptance of all Terms and Conditions.

Arbitration Notice and Class Action Waiver

You agree that disputes between you and us will be resolved by binding individual arbitration and you waive your right to participate in a class action lawsuit or class-wide arbitration, as detailed in the “Dispute Resolution” section below. Merely visiting the website and hovering your mouse on the site binds you to arbitrate disputes and waive any class action.

If you are experiencing a medical emergency, dial “911” immediately.

Medical Consultations

The Company provides access to clinical services. The doctors and other medical professionals providing these clinical services (“The Doctors”) are part of independent, physician-owned medical groups. Healthcare providers accessed through the Site are not employed by The Company. The Company does not provide medical care. The content of the Site and the Services do not constitute professional medical advice, diagnosis or treatment.

Reliance on any information appearing on the Site, whether provided by The Company, its affiliates, its content providers, medical practitioners, clients or other visitors to the Site is solely at your own risk and is not a substitute for medical or other professional advice and services from qualified health care providers assessing your condition in person. Your use of this Site does not in any way create a physician-patient relationship.

The Company does not guarantee that a prescription will be written. The Doctors do not prescribe DEA controlled substances, lifestyle drugs and certain other drugs which may be harmful because of their potential for abuse. The Doctors reserve the right to deny care for potential misuse of services. The Company and The Doctors operate subject to state regulations.

1. Use of Site

Subject to your compliance with these Terms and Conditions, your acknowledgement of the Privacy Policy on The Company Site and your payment of any applicable fees, The Company grants you a limited, revocable, non-exclusive, non-transferable and non-sub-licensable license to access and make personal use of the Site and The Company Services.

You agree not to access the Site or use the Services in an unlawful way or for any unlawful purpose, including but not limited to: posting or transmitting a message under a false name, posting any data, materials, content or information which is libelous, defamatory, obscene, fraudulent, false or contrary to the ownership or intellectual property rights of any other person.

2. Eligibility, Enrollment and Account Security

You represent that you are of legal age and are not a person barred from enrolling for, and/or receiving, Services under the laws of the United States or other applicable jurisdictions. Access to and use of the Site and/or The Company Services are limited to users in the United States.

In order to enroll in The Company Services, you are required to (1) fully, accurately and truthfully complete the registration profile, including your Personal Contact Information (“PCI”), (2) complete any and all other items requested pursuant to your use of the Site or the Services, and (3) set your Internet browser to accept “cookies” from the Site.

You are solely responsible for maintaining the confidentiality of your password and for all activities that occur under your password. You agree to prohibit anyone else from using your password and to immediately notify The Company in writing of any unauthorized use of your password.

3. Electronic Medical Record and HIPAA

In order to conduct a proper consultation, The Company creates an Electronic Medical Record (“EMR”) specifically for you to store and access your personal health information online, and for the licensed physician to review as part of the consult. Information provided to a physician through the Company becomes part of The Company EMR and is subject to applicable state and federal law. The Company archives all Personal Information and EMRs associated with usage of The Company site and The Company services for seven (7) years.

4. Payments, Changes to Services and Refunds

If your subscription is paid by a third party and that third party ceases to, for any reason, pay for your subscription or any other applicable fee, you may continue your subscription to the Services provided you immediately make arrangements to pay the Company directly. Company may cancel your subscription at any time. The Company has sole and absolute discretion in determining whether or not to issue a refund.

5. Site Control

The Company has sole discretion to withdraw, suspend or discontinue any functionality or feature of the Site or the Services, including the site itself at any time. Additionally, The Company makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the Site and contents therein. The Company reserves the right, in its sole discretion, to at any time, terminate your access to all or part of the Site, with or without cause, and with or without notice.

6. Legal Notices

The Company makes no representation or warranty as to the content of any treatment response from any participating, licensed, physician or other healthcare provider. You understand that Company is solely a referral service and does not warranty the validity of the information provided to you. A doctor-patient relationship will never arise between you and the Company.

Disclaimer of Warranties

All information, products, and services contained on or provided through this site are provided “as is” without any warranty of any kind, express or implied. To the fullest extent permissible under applicable law, The Company and its affiliates hereby disclaim all representations and warranties, express or implied, statutory or otherwise, including, but not limited to, warranties of merchantability, fitness for a particular purpose, title, non-infringement and freedom from computer virus strains.

Limitation of Liability

In the event that The Company should be found liable, damages will be limited to (i) one (1) month’s subscription rate of your subscription plan, or (ii) in the event no subscription price was paid or required, $1,000. In addition, to the maximum extent permitted by law, in no event shall The Company be liable for any special, punitive, indirect, incidental or consequential damages or attorneys fees or costs.

Indemnity

You agree to defend, indemnify and hold harmless The Company and its affiliates from and against any and all rights, demands, losses, liabilities, damages, claims, causes of action, actions and suits, fees, costs and attorneys’ fees of any kind whatsoever arising, directly or indirectly, out of or in connection with your use or misuse of the Site or the Services, your subscription, your breach of the Terms and Conditions or the Privacy Notice, or your relationship with any participating physician/healthcare provider.

Dispute Resolution — Mediation/Arbitration, Class Action Waiver and Choice of Law

This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. and not by any state rule or statute governing arbitration. These Terms and Conditions shall be governed by the law of the State of California, without regard to any conflict of law’s provisions.

In the event of any controversy, claim, or dispute between the parties arising out of or relating to the Terms and Conditions, the parties agree to first provide notice of such dispute and attempt to resolve it on their own within ten (10) days. If unsuccessful, the parties agree to attempt to resolve all issues with the assistance of a certified JAMS mediator. In the event there is no resolution through mediation, the parties agree to resolve such outstanding dispute solely through the use of Binding Arbitration, in accordance with the JAMS Streamlined Arbitration Rules & Procedures. Any such Arbitration shall take place in Sacramento, California or such location as the parties may agree.

The parties further agree that either party may bring claims against the other only in his/her, or its individual capacity and not as a Plaintiff or class member in any purported class action or representative proceeding.

Force Majeure

Notwithstanding anything herein to the contrary, The Company shall not be liable for any losses arising out of the delay or interruption of its performance of any obligations due to any act of God, act of governmental authority, act of public enemy, war, riot, flood, civil commotion, insurrection, severe weather conditions, or any other cause beyond its reasonable control.

Notices

The Company may provide notice to you via the e-mail address you provided during registration or by a general notice on the Site. You may give notice to The Company by Certified Mail or overnight courier to Oaceus Member Support at 5701 Lonetree Blvd, Rocklin, CA 95765 with a copy to Provider, 610 Elm St., Ste. 710, McKinney, TX 75069.

Entire Agreement; Severability

These Terms and Conditions and the Privacy Policy constitute the sole and only agreement of you and The Company and supersede any prior understandings or written or oral agreements between you and The Company. In the event any provision hereof is determined to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions.