1. Role of YourMD Online, LLC

YourMD Online, LLC is a technology services company, not a medical practice. YourMD does not employ physicians or other clinicians, does not itself provide medical advice, diagnosis, or treatment, and does not dispense medication. All clinical services accessed through this platform are delivered exclusively by independent licensed healthcare providers practicing through United Medical Group and its affiliated physicians ("Providers").

To the maximum extent permitted by law, YourMD Online, LLC disclaims all liability for any medical decision, diagnosis, treatment, prescription, dispensing, clinical outcome, or provider conduct occurring in connection with the platform.

2. Nature and Limitations of Telehealth

You acknowledge and agree that:

• Telehealth involves the delivery of healthcare using electronic communications (video, audio, chat, email, asynchronous messaging, and uploaded data).
• Telehealth cannot fully replicate an in-person encounter. Providers cannot perform a physical examination, may not have access to complete records, and are dependent on the accuracy and completeness of the information you supply.
• Potential limitations include, without limitation: inability to detect findings that would normally be identified on physical exam, delayed diagnosis, misdiagnosis, technology or transmission failure, and unauthorized interception of data despite commercially reasonable safeguards.
• Telehealth is not appropriate for medical emergencies. If you believe you are experiencing a medical emergency (including but not limited to chest pain, difficulty breathing, stroke symptoms, suicidal ideation, severe bleeding, or loss of consciousness), you must call 911 or go to the nearest emergency department.
• A Provider may determine, in their sole clinical judgment, that telehealth is not appropriate for your condition and may refer you to in-person care, decline to prescribe, or discontinue treatment at any time.
• Services are only available in states where the treating Provider is actively licensed. You must be physically located in a licensed state at the time of any encounter.

2A. State-Specific Telehealth Rules

YourMD Providers are licensed in Nevada, Washington, Oregon, and Wisconsin. You must be physically present in one of these states at the time of each encounter. Additional state-specific rules apply:

• Nevada (NRS 629.515; NAC 630): Telehealth establishes a valid provider-patient relationship without a prior in-person visit, provided the Provider performs an appropriate evaluation meeting the standard of care. Controlled substances are not prescribed through telehealth on this platform. Patients have the right to refuse telehealth and request in-person care where available.
• Washington (RCW 18.134; WAC 246-919): The Provider must be licensed in Washington at the time of service, must meet the Washington standard of care, and must use technology that meets HIPAA security requirements. Patients are informed of the Provider's name, license number, and credentials prior to the encounter. Telemedicine services comply with the Washington Telemedicine Act.
• Oregon (ORS 677.493; OAR 847-025): Oregon Medical Board rules require an established provider-patient relationship based on a medically appropriate evaluation. Patients must be informed of the limitations of telemedicine, provided a method for emergency contact, and given instructions for follow-up care.
• Wisconsin (Wis. Stat. § 448.30; Wis. Admin. Code Med 24): The treating Provider must hold an active Wisconsin medical license at the time of the encounter. Wisconsin requires informed consent for medical treatment, including disclosure of the nature and purpose of treatment, known risks and complications, reasonable alternatives, and prognosis if treatment is refused. Wisconsin law applies to all encounters with patients physically present in Wisconsin at the time of service.
• All states: You must provide a current physical address and confirm your location at the start of each encounter. If you travel to a state where your Provider is not licensed, new consultations, dose adjustments, and new prescriptions require you to be physically located in a licensed state (NV, WA, OR, WI) at the time of the encounter. Active medication subscriptions will continue to ship to your address on file regardless of your temporary travel location. If you relocate permanently to a non-licensed state, your subscription will be discontinued at the end of the current billing cycle and you will be responsible for transitioning care to a provider licensed in your new state. You are solely responsible for accurately reporting your location; misrepresentation may result in termination of service and is a material breach of this Agreement.

Laws and regulations change. To the extent any state-specific rule conflicts with this Agreement, the state rule controls for encounters occurring in that state, but only as to that conflict.

3. No Controlled Substances — No Opioids

YourMD Providers do not prescribe controlled substances of any kind through this platform, including but not limited to opioids, benzodiazepines, stimulants, hypnotics, testosterone, anabolic steroids, human growth hormone (HGH), ketamine, or any Schedule I–V controlled substance as defined by the federal Controlled Substances Act or by state law. Requests for such medications will be declined and may be logged for safety and compliance review.

4. Direct-to-Consumer (DTC) Subscription Program

The platform offers optional DTC subscription programs for non-controlled, commonly-prescribed medications in the following categories ("Subscription Services"):

• Weight Management: FDA-approved GLP-1 and GIP/GLP-1 receptor agonist medications including semaglutide (Wegovy®, Ozempic®, Rybelsus®) and tirzepatide (Zepbound®, Mounjaro®) and orforglipron (Foundayo™), prescribed and routed exclusively to manufacturer-direct pharmacies. YourMD does not prescribe compounded semaglutide, compounded tirzepatide, or any compounded GLP-1 medication.
• Sexual Wellness (Erectile Dysfunction): Sildenafil, tadalafil, and physician-selected combinations (PDE5 inhibitors).
• Hair Restoration: Finasteride (oral), topical minoxidil, and combination protocols.
• Dermatology: Tretinoin and compounded topical formulations.
• Vitality & Energy: Vitamin D3, methylcobalamin (B12) injections, NAD+ injections, and related supplements.
• Peptide Therapy: Compounded sermorelin, PT-141 (bremelanotide), AOD9604, and other non-controlled peptides. Peptide formulations are not FDA-approved for most indications and are prescribed based on limited clinical evidence. Patients accept the specific risks disclosed in the treatment acknowledgment before receiving these products. See Section 4.1 for peptide-specific risk disclosures.
• Longevity & Optimization: Compounded rapamycin, metformin, atorvastatin, methylene blue, DHEA, and related non-controlled medications prescribed off-label for preventive and metabolic health applications.
• Women's Hormone Health (anticipated): Bioidentical progesterone, estradiol, and related compounded hormone preparations. This category is in development and not yet active.

Subscription Services require a telehealth consultation and clinical evaluation before any medication is prescribed. Purchase of a subscription does not guarantee that a Provider will prescribe the requested medication. A Provider may decline to prescribe based on medical history, contraindications, or clinical judgment, with no further obligation.

4.1 Medication Risks and Informed Consent

All prescription medications carry risk. Before purchasing or accepting any Subscription Service, you acknowledge and accept the following category-level risks, which are not exhaustive and do not substitute for the medication guide or the Provider's individualized counseling:

• GLP-1 / GIP-GLP-1 agonists (semaglutide, tirzepatide): nausea, vomiting, diarrhea, constipation, abdominal pain, injection-site reactions, fatigue, pancreatitis, gallbladder disease, acute kidney injury from dehydration, hypoglycemia (especially when combined with insulin or sulfonylureas), boxed warning for thyroid C-cell tumors including medullary thyroid carcinoma (MTC) — contraindicated in patients with a personal or family history of MTC or Multiple Endocrine Neoplasia syndrome type 2 (MEN2), and possible fetal harm. YourMD prescribes only FDA-approved branded GLP-1 medications dispensed through manufacturer-direct pharmacies. Compounded semaglutide and tirzepatide are not prescribed through this platform.
• PDE5 inhibitors (sildenafil, tadalafil): headache, flushing, dyspepsia, nasal congestion, back pain, visual disturbance, priapism (prolonged erection > 4 hours — a medical emergency), sudden hearing loss, non-arteritic anterior ischemic optic neuropathy (NAION), and life-threatening hypotension when combined with nitrates or guanylate cyclase stimulators — use is absolutely contraindicated with nitrates in any form. Not recommended within 6 months of MI, stroke, or life-threatening arrhythmia.
• 5-alpha reductase inhibitors (finasteride): decreased libido, erectile dysfunction, ejaculatory disorder, gynecomastia, depression and suicidal ideation (rare), persistent sexual side effects ("post-finasteride syndrome") in some patients even after discontinuation, ~50% reduction in measured PSA that must be accounted for in prostate cancer screening, and teratogenicity — pregnant women must not handle crushed or broken tablets.
• Topical minoxidil: scalp irritation, pruritus, contact dermatitis, unwanted facial hair growth, initial shedding phase, reversal of benefit after discontinuation, and rare systemic effects including tachycardia and hypotension.
• Topical tretinoin: skin dryness, peeling, erythema, photosensitivity, initial acne "purge," and potential fetal harm (pregnancy should be avoided during use).
• Vitamin D3 (high-dose), B12, NAD+: rare hypercalcemia with prolonged high-dose vitamin D, injection-site reactions, and hypersensitivity reactions.
• Peptide therapy (BPC-157, sermorelin, PT-141 / bremelanotide, and other investigational or compounded peptides): These products are NOT FDA-approved for the indications for which they may be prescribed through this platform. BPC-157 has been classified by the FDA as a "new drug" without approval, and its availability may be limited or discontinued based on regulatory action. Sermorelin stimulates growth hormone release and may cause injection-site reactions, headache, flushing, dizziness, and, rarely, hyperglycemia; it is contraindicated in patients with active malignancy. PT-141 (bremelanotide) may cause nausea (reported in up to 40% of patients), flushing, headache, transient blood pressure elevation, and skin hyperpigmentation; it is contraindicated in patients with uncontrolled hypertension. All peptide therapies carry risks inherent to injectable compounded medications, including sterility concerns, potency variability, and unknown long-term safety profiles. Human clinical data for some peptides is limited or nonexistent. You accept these risks when electing peptide therapy.

You acknowledge that you have disclosed to your Provider every relevant medical history item, current medication, supplement, allergy, and pregnancy status, and that any omission or misrepresentation may result in serious harm for which YourMD and the Provider disclaim all liability.

4.2 Compounded Medication Disclosure (Non-GLP-1)

Certain Subscription Services (including sublingual troches for erectile dysfunction, injectable wellness compounds such as sermorelin, NAD+, and B12, and custom topical formulations) are dispensed by state-licensed 503A compounding pharmacy partners as patient-specific compounded preparations. These compounded preparations are not FDA-approved finished drug products and do not undergo the same premarket review as manufactured products. You acknowledge that compounded medications:

• Are prepared specifically for you based on your Provider's prescription
• May differ in appearance, delivery mechanism, or concentration from commercially available equivalents
• Carry risks inherent to compounding including variability in potency, sterility, and formulation

GLP-1 medications (semaglutide, tirzepatide, orforglipron) are not available as compounded products through YourMD. All GLP-1 prescriptions are for FDA-approved branded medications dispensed by manufacturer-direct pharmacies only.

4.3 Subscription Billing, Cancellation, and No-Refund Policy

By purchasing a Subscription Service, you authorize YourMD and its payment processor to charge your payment method on a recurring basis at the stated interval (monthly, quarterly, or otherwise) until you cancel.

How to cancel. You may cancel your subscription at any time through any of the following methods: (a) through the "Manage Subscription" section of your patient dashboard at telehealth.yourmd.online, (b) by emailing admin@theunitedmedicalgroup.com with the subject line "Cancel Subscription," or (c) by calling (702) 430-7801 during business hours. Cancellation is effective at the end of the current billing cycle. No additional charges will be made after cancellation is processed. Cancellation does not entitle you to a refund of the current billing cycle's fees.

Dispute resolution before chargeback. If you believe a charge is incorrect, please contact admin@theunitedmedicalgroup.com or call (702) 430-7801 within 30 days. We will investigate and respond within 10 business days. We are committed to resolving billing disputes promptly and fairly. Initiating a chargeback or payment dispute with your bank or credit card company without first contacting us is considered a material breach of this Agreement.

4.4 Program Limitations

• Subscription Services are not a substitute for comprehensive primary care, specialist care, emergency care, or in-person follow-up.
• Subscription Services do not include diagnostic imaging, in-person procedures, vaccinations, or laboratory draws (orders may be placed but collection occurs at external facilities you select).
• Shipping of medication is performed by third-party pharmacies. YourMD does not warrant shipping times, carrier performance, or product condition after leaving the pharmacy.
• Pharmacy selection. YourMD reserves the right to select and change compounding pharmacy partners at any time without prior notice. Prescriptions may be routed to any pharmacy in our licensed partner network based on availability, geographic coverage, formulation requirements, and operational considerations. You may request a specific pharmacy, but fulfillment through that pharmacy is not guaranteed. If a pharmacy change affects your medication formulation or pricing, we will notify you before your next billing cycle.
• Insurance, HSA, and FSA. Insurance is not accepted for Subscription Services. Subscription fees are cash-pay. Consultation fees and prescription medications may be eligible for reimbursement from Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) depending on your plan's eligible expense categories. YourMD does not guarantee HSA/FSA eligibility and recommends verifying with your plan administrator before purchase. YourMD can provide itemized receipts upon request to support reimbursement claims.
• YourMD reserves the right to discontinue, modify, or restrict any Subscription Service at any time, including for clinical, regulatory, or supply reasons, without further obligation.

4.5 Provider Referral Program

If you access the platform through a referral link or code from a healthcare provider, pharmacy, or other referral source, you acknowledge that: (a) the referring party does not receive financial compensation from YourMD for the referral; (b) your clinical care is provided independently by YourMD Providers without influence from the referring party; (c) any promotional discount applied to your account through a referral code is a patient benefit and is not contingent upon any payment to the referring party; and (d) we may track the referral source for internal analytics. Your relationship with the referring provider is separate from your relationship with YourMD. See the Referral Program Disclaimer for the complete compliance framework.

4.6 No Sale of Health Data

YourMD does not sell, rent, lease, or trade your personal health information or protected health information to any third party for advertising, marketing, or any commercial purpose. We do not permit third-party advertising trackers to access patient health data on our platform.

5. Eligibility

To use the platform, you must:

• Be at least 18 years of age (or the age of majority in your state) or be a minor represented by a legally authorized parent or guardian who consents on the minor's behalf.
• Be physically present in a state where the Provider is licensed at the time of each encounter.
• Have legal capacity to enter into this Agreement.
• Provide accurate identification and pass identity verification requirements where applicable (IAL2 document review).

6. Patient Responsibilities

You agree to:

• Provide complete, accurate, and current medical history, medications, allergies, and contact information.
• Promptly update records when information changes.
• Follow the Provider's instructions and follow-up recommendations.
• Report any adverse reaction, worsening symptom, or red-flag event immediately.
• Safeguard your login credentials and maintain the confidentiality of your account.
• Not share medication with any other person and not use medication outside the prescribed indication.
• Obtain laboratory tests and follow-up as directed by the Provider.

7. Fees, Pricing, and Payment

Consultation fees are currently priced at $50 (video), $40 (audio), or $20 (chat) per session, subject to change. Subscription pricing is shown in the table below and on the treatments page. You authorize YourMD and its payment processors to charge your designated payment method for all fees, applicable taxes, and shipping where relevant. Failed payments may result in suspension of services.

7.1 Current Subscription Pricing (effective June 1, 2026)

All prices are in USD and billed monthly unless noted. Medication costs are billed separately by partner pharmacies and are not included in membership fees below.

Prices are subject to change with 30 days' notice to active subscribers. YourMD does not change prices on existing subscribers without prior notification.

8. Intellectual Property

All content on the platform, including software, text, graphics, logos, and compiled clinical protocols, is owned by or licensed to YourMD Online, LLC and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the platform solely for receiving healthcare services. Any other use, including scraping, reverse-engineering, or redistribution, is prohibited.

9. Acceptable Use

You agree not to:

• Impersonate another person or misrepresent your identity.
• Upload malicious code, attempt to probe, scan, or test the vulnerability of the platform, or bypass security controls.
• Use the platform for any unlawful purpose or in violation of any federal, state, or local law.
• Harass, threaten, or abuse Providers, staff, or other users.
• Resell, redistribute, or transfer any medication obtained through the platform.

10. Limitation of Liability

11. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless YourMD Online, LLC, United Medical Group, their respective parent, subsidiary, and affiliated companies, their licensed Providers, compounding-pharmacy and fulfillment partners, payment processors, and each of their officers, directors, employees, agents, contractors, successors, and assigns (collectively, "Indemnified Parties") from and against any and all claims, demands, suits, proceedings, liabilities, judgments, damages, losses, settlements, fines, penalties, costs, and expenses, including reasonable attorneys' fees and expert witness fees and court costs, arising out of or related to:

• Your access to, use of, or inability to use the platform or any Subscription Service;
• Any misrepresentation, omission, or inaccuracy in the health information, identity information, location information, or payment information you supplied;
• Your failure to disclose a contraindication, allergy, concurrent medication, pregnancy, or other material fact to your Provider;
• Any clinical outcome, adverse reaction, injury, or harm arising from medication you obtained through the platform, including harm caused by off-label use, sharing medication with third parties, or failure to follow Provider instructions;
• Any third-party claim brought by a member of your household or any other person alleging injury from medication, supplies, or devices received through your account;
• Your violation of this Agreement, the Privacy Policy, the HIPAA Notice, or any applicable federal, state, or local law or regulation;
• Your violation of any right of a third party, including intellectual property, privacy, and publicity rights;
• Any chargeback, fraudulent payment dispute, or reversal initiated by you without first seeking resolution through customer service.

YourMD reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate fully in asserting any available defenses. This indemnification obligation shall survive termination of this Agreement and your use of the platform.

11A. AI Products and Clinical Decision-Support Tools

Certain AI-powered tools (including AskUnitedMedicalAI, the diagnostic companion, drug interaction checker, lab interpreter, medical dictation, and other clinical assistants) are offered by YourMD's affiliated AI-native platform at www.yourmd.online and are subject to the separate AI Terms of Service posted at that site. You acknowledge and agree that:

• AI tools are clinical decision-support only. They do not establish a provider-patient relationship, do not render a diagnosis, and do not replace the judgment of a licensed clinician.
• AI output may be incomplete, outdated, or incorrect. Providers independently verify AI-generated content before relying on it in a clinical encounter. Patients must not rely on AI tool output for self-diagnosis or self-treatment.
• Use of AI tools may involve transmission of data to the AI-native platform subject to its privacy and security controls. PHI-bearing interactions within the telehealth platform are logged in the HIPAA audit trail.
• YourMD and its affiliates disclaim all warranties and liability for AI tool accuracy, completeness, fitness for purpose, or clinical outcomes to the maximum extent permitted by law.

12. Governing Law, Arbitration, Class-Action Waiver & Fee-Shifting

This Agreement is governed by the laws of the State of Nevada, without regard to conflict-of-law principles. This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) which preempts any state law that would restrict or prohibit arbitration.

Any dispute, claim, or controversy arising out of or relating to this Agreement or the platform shall be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with the seat of arbitration in Clark County, Nevada.

You and YourMD agree that each party may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. YOU WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. If the class-action waiver is found unenforceable, the entire arbitration agreement shall be null and void and the dispute shall be resolved in court — but still without the right to a class action.

Filing fees: For claims of $10,000 or less, YourMD will pay all AAA administrative fees. For claims over $10,000, fees are allocated per AAA Consumer Arbitration Rules.

Fee-shifting for abusive claims: Under Nevada Revised Statutes § 18.010 and the AAA fee-shifting provisions, a party who pursues a claim without reasonable basis in law or fact — or who refuses a reasonable settlement offer and then fails to obtain a better result in arbitration — may be required to pay the other party's attorneys' fees and costs. YourMD will actively seek fee recovery in all such cases.

Opt-out: You may opt out of this arbitration agreement by sending written notice to legal@yourmd.online within 30 days of first accepting these Terms. Your notice must include your full name, email address, and a statement that you are opting out. Opting out does not affect any other term of this Agreement.

Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction for intellectual property infringement or to prevent imminent harm. This arbitration agreement survives termination of your account and any clinical or purchase relationship.

13. Termination

YourMD may suspend or terminate your access to the platform at any time, with or without cause, with or without notice. Upon termination, all rights granted to you under this Agreement will cease immediately. Sections that by their nature should survive termination (including Sections 1, 4.3, 8, 10, 11, 12, and 14) shall survive.

14. Changes to This Agreement

We may amend this Agreement at any time by posting the revised version at this URL. The effective date will be updated accordingly. Continued use of the platform after changes are posted constitutes acceptance of the revised terms. For material changes, we will use reasonable efforts to notify you via email or in-app notice.

15. Severability and Entire Agreement

If any provision of this Agreement is found unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect. This Agreement, together with the Privacy Policy, HIPAA Notice, and any applicable product-specific consents, constitutes the entire agreement between you and YourMD with respect to the subject matter herein.

16. Consent to Electronic Communications

You consent to receive communications from YourMD and your Providers electronically, including via email, SMS, and in-platform messaging. You agree that electronic signatures, consents, and records satisfy any legal requirement that such communications be in writing.

17. Contact