Terms of Use

1. Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of the Plex Payments, Inc. website and related online services (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you may not use the Site.

2. About Plex Payments

Plex Payments, Inc. ("Plex," "we," "our," or "us") is a financial technology company that provides technology, payments, and financing related services to healthcare providers and partner financial institutions. Plex Payments, Inc. is a wholly owned subsidiary of Panacea Financial Holdings, Inc. ("PFH"). References to "Plex," "we," "our," or "us" in these Terms refer solely to Plex Payments, Inc. No affiliate of Plex, including PFH, assumes any responsibility or liability under these Terms unless expressly stated.

Plex is not a bank.

Banking and credit products referenced on the Site are offered by partner financial institutions and are subject to separate agreements and disclosures.

3. Scope of These Terms

These Terms apply only to your use of the Site.

They do not govern:

• Bank sponsored accounts or credit products
• Payment processing or financing services provided under separate agreements
• Services provided by partner financial institutions or healthcare providers

Those offerings are subject to separate terms and conditions.

4. Permitted Use

You may use the Site solely for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the Site for any unlawful, fraudulent, or abusive purpose
• Attempt to gain unauthorized access to systems, accounts, or data
• Interfere with or disrupt the operation or security of the Site
• Introduce malware, viruses, or other harmful code
• Use automated means to scrape or harvest content without permission

5. No Financial, Legal, or Medical Advice

Information provided on the Site is for general informational purposes only.

Nothing on the Site constitutes:

• Financial, investment, or credit advice
• Legal advice
• Medical advice or healthcare guidance

You should consult appropriate professionals before making decisions based on information obtained from the Site.

6. Intellectual Property

All content on the Site—including text, graphics, logos, designs, and software—is owned by or licensed to Plex and is protected by intellectual property laws.

You may not copy, reproduce, modify, distribute, or create derivative works from the Site without prior written permission, except as permitted by law.

7. Third-Party Links and Services

The Site may contain links to third-party websites or services.

Plex does not control and is not responsible for:

• Third-party content
• Third-party terms or privacy practices
• Products or services offered by third parties

Your use of third-party sites is at your own risk.

8. Privacy

Your use of the Site is subject to the Plex Payments Privacy Policy, which explains how we collect, use, and protect information.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, Plex disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Plex does not warrant that the Site will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the maximum extent permitted by law, Plex shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of the Site.

Plex's total liability for any claim arising from the Site shall not exceed one hundred dollars ($100), to the extent permitted by law.

11. Indemnification

You agree to indemnify and hold harmless Plex and its officers, directors, employees, and partners from any claims, damages, liabilities, and expenses arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of applicable law or third-party rights

12. Changes to the Site or Terms

Plex may modify or discontinue the Site, or update these Terms, at any time.

Changes will be effective when posted. Continued use of the Site after changes constitutes acceptance of the updated Terms.

13. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

Any disputes arising from these Terms shall be brought exclusively in the state or federal courts located in California.

14. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.