TERMS OF SERVICE

Effective Date: February 10, 2026
Last Revised: February 10, 2026

© 2026 SelfPayMD.com. All Rights Reserved.

These Terms of Service (“Terms”) govern your access to and use of the website, mobile applications, messaging systems, telemedicine services, subscription services, remote monitoring services, and related technology platforms (collectively, the “Platform”) operated by SelfPayMD.com (“SelfPayMD,” “we,” “us,” or “our”).

By accessing or using the Platform, you agree to be legally bound by these Terms.

If you do not agree, you must immediately discontinue use.

1. IMPORTANT MEDICAL DISCLAIMER

THE PLATFORM IS PROVIDED “AS IS,” “WHERE IS,” “WITH ALL FAULTS,” AND WITHOUT WARRANTIES OF ANY KIND.

SELFPAYMD IS NOT INSURANCE.

SELFPAyMD EXPRESSLY DISCLAIMS:

• ANY WARRANTY OF ACCURACY

• ANY WARRANTY OF COMPLETENESS

• ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE

• ANY WARRANTY OF MERCHANTABILITY

• ANY WARRANTY OF NON-INFRINGEMENT

• ANY GUARANTEE OF RESULTS

• ANY GUARANTEE OF MEDICAL OUTCOME

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SELFPAyMD SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES.

TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE PRECEDING 12 MONTHS.

USE OF THE PLATFORM IS AT YOUR SOLE RISK.

2. NOT FOR EMERGENCIES

The Platform is not intended for medical emergencies.

Call 911 or go to the nearest emergency department immediately if you are experiencing:

• Chest pain

• Stroke symptoms

• Suicidal thoughts

• Severe allergic reactions

• Severe shortness of breath

• Any life-threatening condition

3. NATURE OF SERVICES

SelfPayMD.com provides a technology platform that connects patients with licensed healthcare professionals (“Providers”).

SelfPayMD does not itself practice medicine unless explicitly stated. Clinical services are provided by independent licensed Providers.

4. ELIGIBILITY

You must:

• Be 18 years or older, OR

• Be the parent/legal guardian consenting for a minor

You must be physically located in the state where the Provider is licensed at the time of service.

5. TREATMENT OF MINORS

Telemedicine services may be provided to minors when:

• A parent or legal guardian provides verified consent; OR

• The minor is legally authorized to consent under applicable state law (e.g., reproductive health, mental health, STI treatment, substance use treatment where permitted).

The consenting adult represents that they have legal authority to consent.

SelfPayMD and Providers may refuse minor treatment at their discretion.

6. CONSENT TO TELEMEDICINE

By using the Platform, you acknowledge:

• Telemedicine may have limitations compared to in-person care.

• Technical failures may occur.

• You may be advised to seek in-person care.

• Electronic communications may not be fully secure.

You may withdraw consent at any time.

7. STATE-SPECIFIC TELEHEALTH DISCLOSURES

Telemedicine services are subject to the laws of your state. The following general disclosures apply where required:

• Alabama – Providers must be licensed in Alabama; telemedicine must meet standard of care equivalent to in-person care.

• Alaska – Patient identity and location verification required.

• Arizona – Telehealth subject to state parity and prescribing laws.

• Arkansas – Establishment of provider-patient relationship required.

• California – Verbal or written telehealth consent required prior to treatment.

• Colorado – Informed consent required; privacy compliance mandatory.

• Connecticut – Telehealth services subject to state licensure requirements.

• Delaware – Telehealth permitted with appropriate consent.

• District of Columbia – Telehealth must meet DC licensure requirements.

• Florida – Out-of-state providers must be registered if applicable.

• Georgia – Telemedicine allowed consistent with state law.

• Hawaii – Telehealth must comply with Hawaii licensure laws.

• Idaho – Provider-patient relationship standards apply.

• Illinois – Telehealth services subject to Illinois Medical Practice Act.

• Indiana – Informed consent required.

• Iowa – Telehealth services must meet standard of care.

• Kansas – Provider must be licensed in Kansas.

• Kentucky – Telehealth allowed under Kentucky telehealth statutes.

• Louisiana – Consent and licensure compliance required.

• Maine – Telehealth subject to state parity requirements.

• Maryland – Telehealth consent required.

• Massachusetts – Standard of care equivalent to in-person required.

• Michigan – Telehealth permitted under Michigan law.

• Minnesota – Informed consent required.

• Mississippi – Telemedicine services subject to state board regulations.

• Missouri – Telehealth governed by Missouri statutes.

• Montana – Telehealth permitted under state law.

• Nebraska – Telehealth subject to licensure requirements.

• Nevada – Patient location verification required.

• New Hampshire – Telemedicine permitted under state law.

• New Jersey – Informed consent required; prescribing restrictions apply.

• New Mexico – Telehealth subject to state licensing laws.

• New York – Telehealth services must comply with New York Education Law.

• North Carolina – Provider-patient relationship standards apply.

• North Dakota – Telehealth permitted under state law.

• Ohio – Telehealth permitted under Ohio Revised Code.

• Oklahoma – Telemedicine governed by state statutes.

• Oregon – Telehealth parity and licensure requirements apply.

• Pennsylvania – Telemedicine subject to state regulations.

• Rhode Island – Informed consent required.

• South Carolina – Telehealth permitted under state standards.

• South Dakota – Telehealth subject to licensure compliance.

• Tennessee – Telehealth permitted under Tennessee law.

• Texas – Telemedicine subject to Texas Medical Board rules.

• Utah – Telehealth permitted with informed consent.

• Vermont – Telehealth subject to Vermont law.

• Virginia – Telemedicine permitted under Virginia law.

• Washington – Informed consent required.

• West Virginia – Telehealth subject to licensure compliance.

• Wisconsin – Telehealth permitted under Wisconsin law.

• Wyoming – Telehealth subject to state regulations.

Additional state-specific disclosures may apply and are incorporated by reference.

8. WEIGHT LOSS TREATMENT DISCLOSURES

If you enroll in a weight management program:

• Weight loss results vary.

• No specific results are guaranteed.

• Medications may include GLP-1 receptor agonists or other FDA-approved medications when clinically appropriate.

• Compounded medications, if prescribed, are not FDA-approved and are compounded pursuant to federal law.

• Medication shortages may affect availability.

• Lifestyle modification is recommended.

• Rapid weight loss carries medical risks.

• Off-label prescribing may occur consistent with law.

You acknowledge weight loss programs are elective and not medically required.

9. PRESCRIBING POLICY

Prescriptions are not guaranteed.

Controlled substances may not be prescribed unless permitted by law.

Providers may require:

• Lab testing

• Prior medical records

• In-person evaluation

10. LAW ENFORCEMENT AND RESEARCH NON-PRESENCE

You agree that:

• You are not using the Platform for law enforcement surveillance purposes.

• You are not participating in undercover investigative activity.

• You are not recording visits for research without explicit written consent.

• You are not using the Platform to gather evidence for litigation without lawful disclosure procedures.

Nothing prevents lawful subpoenas or court orders.

11. NO LIABILITY; AS-IS PROVISION (EXPANDED)

THE PLATFORM IS PROVIDED “AS IS,” “WHERE IS,” “WITH ALL FAULTS,” AND “WITHOUT RECOURSE.”

SELFPAyMD DISCLAIMS:

• ALL IMPLIED WARRANTIES

• ALL STATUTORY WARRANTIES

• ALL WARRANTIES ARISING FROM COURSE OF DEALING

YOU ASSUME FULL RESPONSIBILITY FOR USE.

12. INTELLECTUAL PROPERTY

© 2026 SelfPayMD.com. All Rights Reserved.

All:

• Software

• Algorithms

• Clinical workflows

• Business methods

• Pricing models

• Treatment protocols

• Data compilations

• User interfaces

• Trademarks

• Trade secrets

Are proprietary and confidential intellectual property of SelfPayMD.com.

No license is granted except for personal use.

Reverse engineering, copying, scraping, or derivative works are prohibited.

13. ARBITRATION

All disputes shall be resolved by binding arbitration.

Class actions are waived.

Venue: Maryland.

You may opt out within 30 days of first acceptance.

14. TERMINATION

We may suspend or terminate access at any time for:

• Violation of Terms

• Fraud

• Nonpayment

• Safety concerns

• Legal compliance

15. SUBSCRIPTIONS

Subscriptions auto-renew unless canceled.

Refunds are not guaranteed.

You authorize recurring billing.

16. PRIVACY AND PROJECT DESCRIPTION

Use of the Platform is governed by our Privacy Policy and Notice of Privacy Practices.

SelfPayMD is a social media experiment — It is a platform designed to help patients connect with doctors.

SelfPayMD is NOT insurance. It is a public bulletin board to help patients find the medical care they need when they are uninsured or underinsured. Due to federal law, by using SelfPayMD you attest that you are not insured by Medicare, Medicaid, or any federally funded program.

Patients MAY post in the discussion forum what condition they are seeking care for. The post MUST be under the state heading where you are physically located at that time as medical licensing is not reciprocal between the states. Only doctors licensed in the state where you are physically located can evaluate and treat you.

If you wish you may post what you can afford to offer for care. For example, “I have a sinus infection and can only afford $50 for a visit.”

DO NOT post any personally identifiable information on the bulletin board as EVERYTHING you post is public. Use a nickname and do not provide any personal details until you either go to a doctor’s office in person or log in to a HIPAA compatible telemedicine platform like SimplePractice TM PracticeFusion™ or Doximity™.

By logging in to this social media platform you agree to these Terms of Service which, among other things, specifies that no doctor patient relationship is formed on SelfPayMD itself as it is only intended as a way for patients to locate self-pay medical doctors (MD or DO) licensed physicians in the 50 State plus DC.

Similar to a phone book, make sure you verify your doctor by checking their contact details on your state’s board of medicine website and/or visiting their office or telemedicine practice website yourself.

Above all, users of SelfPayMD agree to use the platform ‘as is’ and AT YOUR OWN RISK. SelfPayMD accepts no liability for damages, consequential or inconsequential, resulting from interactions on the social media platform as protected and codified in Section 230 of the Communications Decency Act (CDA) et al.

While you may post pictures of a rash, you MAY NOT post pictures anything below the belt or of breasts or of minors. Anything deemed inappropriate will be deleted without warning and the account responsible may be permanently banned. Any unlawful post may be reported to relevant law enforcement agencies including all available identifying information such as IP address or email address.

SelfPayMD reserves the right to refuse service to anyone for any reason within the law, including profanity, hate speech, pornographic material or spam posting. No access to bots or law enforcement is permitted. Judgment lies solely with SelfPayMD and actions taken to enforce community standards will be swift and permanent. Any billing disputes for medical services are to be handled between the patient and the client, SelfPayMD does not bill patients or pay doctors. In the event of any legal claim against SelfPayMD all parties agree to mandatory arbitration if SelfPayMD elects to choose arbitration. In the alternative, any legal proceedings should be brought forth in the state of Maryland.

SelfPayMD does not discriminate on the basis of any protected status including race religion or gender.

If a doctor agrees to a consultation for less than the usual and customary charge you are implicitly stating that you cannot afford the usual and customary charge and are being given a cash/self-pay sliding scale discount. You as a user agree and proceed with the understanding that such discounts are not discriminatory or based on any protected status, they are simply a sliding scale being offered to help patients get the medical care they need in these times of limited access to care and rising insurance premiums.

SelfPayMD doctors do not agree to participate in any insurance plan and will not assist with submitting insurance claims, prior authorizations, peer to peer reviews or utilization management. If your doctor agrees to any administrative tasks then that is between you and your doctor, SelfPayMD will not assist or expend resources on such tasks as doing so is in direct opposition to the mission of SelfPayMD—helping self pay patients find doctors willing and able to provide necessary services without insurance company administrative burdens. Individual payment terms are to be negotiated between patient and doctor. SelfPayMD invites competition in pricing but does not negotiate or intervene on doctors’ or patients’ behalf. SelfPayMD is solely a social media advertising vehicle and nothing more.

SelfPayMD is NOT appropriate for many medical needs such as prescription of controlled substances, applying for disability benefits, motor vehicle accidents, assaults, concussions, or any other medical condition that has medio-legal ramifications. Please seek immediate in person evaluation for these concerns as telemedicine cannot meet the standard of care necessary for such evaluations.

SelfPayMD CANNOT act as your primary care doctor and providers here cannot write valid referrals to specialists as insurance companies will not honor generic referrals. You warrant and attest that you will seek and maintain a relationship with a primary care doctor for matters beyond the scope of care SelfPayMD can provide.

If you are a healthcare provider, you MUST be a licensed MD or DO in any state where you solicit patients. Mid-levels are not permitted to solicit patients on this site as it is not lawful to represent a non-physician as a MD or DO doctor – it is right in the name of the website itself. All doctors using SelfPayMD attest and agree to be licensed for the services you provide in the state(s) you solicit patients. All doctors further attest and agree to provide their own malpractice insurance, abide by all federal, state and local laws, and to meet the standard of care in any services provided.

If you as a patient believe you are having a medical emergency, SelfPayMD is NOT an appropriate venue for evaluation. Immediately call 911 for any medical emergencies.

By proceeding you agree to receive an email and/or text message SMS invitation to a HIPAA compliant website for medical evaluation and treatment as well as text messaging and/or email messaging related to account activation.   

HIPAA NOTICE OF PRIVACY PRACTICES

SelfPayMD.com
Effective Date: February 10, 2026
Last Revised: February 10, 2026

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.

PLEASE REVIEW IT CAREFULLY.

OUR LEGAL DUTY

SelfPayMD.com and affiliated professional entities (“We”) are required by law to:

• Maintain the privacy of your Protected Health Information (“PHI”)

• Provide this Notice

• Follow the terms of this Notice

• Notify you in the event of a breach of unsecured PHI

We reserve the right to change this Notice at any time.

WHAT IS PROTECTED HEALTH INFORMATION (PHI)?

PHI includes information that:

• Identifies you or could identify you

• Relates to your health condition

• Relates to treatment or payment for healthcare services

This includes electronic, paper, and oral information.

HOW WE MAY USE AND DISCLOSE YOUR PHI

1. Treatment

We may use and disclose PHI to provide medical care, including:

• Diagnosis and treatment

• Prescriptions

• Care coordination

• Consultation with other healthcare providers

• Laboratory services

• Pharmacies

2. Payment

We may use and disclose PHI for:

• Billing

• Payment processing

• Collections

• Determining insurance eligibility

• Subscription billing

3. Healthcare Operations

We may use PHI for:

• Quality improvement

• Credentialing

• Peer review

• Compliance audits

• Training

• Fraud detection

• Risk management

4. Appointment Reminders & Communications

We may contact you by:

• Email

• SMS

• Phone

• Patient portal messages

Standard messaging rates may apply.

5. As Required by Law

We may disclose PHI when required for:

• Public health reporting

• Communicable disease reporting

• Abuse or neglect reporting

• Court orders or subpoenas

• Law enforcement requests (as legally required)

• FDA reporting

• Workers’ compensation

6. Business Associates

We may disclose PHI to vendors who assist with:

• Hosting

• Cloud storage

• Payment processing

• Telehealth technology

• Analytics

All business associates are contractually required to safeguard PHI.

7. Research

We may use or disclose PHI for research only:

• With your authorization, OR

• When approved by an Institutional Review Board, OR

• When data is de-identified.

USES REQUIRING YOUR WRITTEN AUTHORIZATION

We require your written authorization for:

• Marketing communications involving PHI

• Sale of PHI

• Most uses of psychotherapy notes

• Any non-routine disclosure

You may revoke authorization at any time in writing.

YOUR RIGHTS

You have the right to:

• Access your medical records

• Request corrections (amendments)

• Request restrictions

• Request confidential communications

• Receive an accounting of disclosures

• Obtain a paper copy of this Notice

Requests must be submitted in writing.

MINORS

Where permitted by law, minors may exercise privacy rights independently for certain services (e.g., reproductive health, mental health, STI treatment).

Parents/guardians may access minor records unless restricted by law.

SECURITY

We use administrative, technical, and physical safeguards, including:

• Encryption

• Access controls

• Audit logs

• Multi-factor authentication

• Secure hosting environments

No system is 100% secure.

COMPLAINTS

If you believe your privacy rights were violated, you may file a complaint with:

SelfPayMD.com Privacy Officer
PO Box 1207, California, MD  20619
Admin@SelfPayMD.com

You may also file a complaint with the U.S. Department of Health & Human Services.

We will not retaliate against you for filing a complaint.

© 2026 SelfPayMD.com. All Rights Reserved.

17. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and SelfPayMD.com.