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    Terms of Service

    Livmor Inc.

    Effective Date: October 20, 2025

    These Terms of Service (“Terms”) govern your access to, and use of, our website (the “Website”) and the AI-powered subscription services (“Service” or “Services”) provided by Livmor Inc. (“we,” “us,” or “our”). This is a legally binding agreement between you (“Customer”) and Livmor. If you are accessing the Website and Services on behalf of your employer or an agency for which you provide consulting services, this agreement is also between that entity and Livmor and you represent you have the authority to bind that entity to these Terms. “Customer,” “you,” and “your” are used interchangeably in these Terms to refer to both you and any entity on whose behalf you are accessing the Services. The Website and Services are sometimes collectively referred to herein as “Service” or “Services.”

    By accessing or using the Website or the Services, you agree to be bound by these Terms, our Privacy Policy, and any other policies or guidelines referenced herein or posted on our Website. If you do not agree to these Terms, do not access or use the Website or Services.

    PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND EXCLUSIONS, INCLUDING A WAIVER OF YOUR RIGHT TO BRING A CLASS ACTION LAWSUIT AND A DISPUTE RESOLUTION CLAUSE REQUIRING ARBITRATION.

    We may update these Terms and other policies from time to time. It is your responsibility to review these Terms and our other policies periodically. We may suspend your access to our Service, in whole or in part, for any reason at any time, including for scheduled maintenance, to address any emergency security concerns, and if you violate any of our policies.

    1. Definitions

    • •“Account” refers to the user account created to access and use the Service.
    • •“Aggregated Anonymous Data” means data derived from Customer content that has been de-identified and aggregated such that it cannot reasonably identify, relate to, describe, or be linked to any individual, household, or entity.
    • •“AI” refers to Artificial Intelligence technologies, algorithms, and models utilized within the Service.
    • •“Feedback” means comments, questions, suggestions, improvements, or other feedback relating to any Service and data about your use of the Services.
    • •“Objectionable Content” means content that: (a) includes any material that by itself, or by its use in connection with the Services, infringes upon, misappropriates or violates the rights of any person or entity or any applicable laws, including, without limitation, privacy; (b) contains or installs any viruses, worms, malware, Trojan horses, or other harmful or destructive code; (c) is unlawful, libelous, defamatory, obscene, or otherwise objectionable or inappropriate; or (d) may damage, interfere with, or disrupt the Services.
    • •“PHI” refers to Protected Health Information as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations.
    • •“User” or “You” refers to any entity (including an individual) accessing or using the Services, including employees, consultants, and agents of a Customer.

    2. The Service

    2.1. Livmor provides an AI-powered platform designed to help you identify Medicare plans for your customers. Our Service is intended to be a tool to augment and support human decision-making, not replace it.

    2.2. Livmor may, from time to time, make modifications, updates, or enhancements to the Services or modify or discontinue certain features or functionality of the Services.

    2.3. Livmor may use Aggregated Anonymous Data derived from your use of the Services.

    2.4. Livmor may offer beta offerings and your use of them is in your sole discretion. Use of beta offerings may be subject to additional terms provided by Livmor. Livmor may offer a beta offering with or without charge and may modify pricing for a beta offering upon notice to you. Beta offerings may be changed at any time without notice and may not be maintained and/or become generally available. Beta offerings are to be used for your internal testing and evaluation purposes only. Livmor will have no liability arising out of or in connection with beta offerings and disclaims all warranties, indemnities, or other obligations with respect thereto. CUSTOMER USES BETA OFFERINGS “AS IS” AND AT CUSTOMER’S OWN RISK.

    3. Eligibility and Account Responsibilities

    3.1. Eligibility: By using the Services, you represent and warrant that you are at least 18 years of age and have the authority and legal capacity to enter into these Terms. If you are accessing or using the Services through the Account of a Customer, you represent to Livmor that you are authorized to use such Account.

    3.2. Account Responsibilities: To access and use the Services, you must register for an Account. You agree to:

    • •Provide accurate, current, and complete information during the registration process.
    • •Maintain and promptly update your Account information to keep it accurate, current, and complete.
    • •Maintain the confidentiality of your Account password and login credentials.
    • •Be solely responsible for all activities that occur under your Account, whether or not you authorized such activities.
    • •Immediately notify us of any unauthorized use of your Account or any other breach of security.

    4. Subscriptions and Payment

    4.1. Subscription Plans: Access to the Service is provided on a pre-paid monthly or annual subscription basis (“Subscription Plan”). By subscribing, you agree to pay the applicable fees for the selected term in advance.

    4.2. Billing and Payment:

    • •All fees are quoted in U.S. Dollars unless otherwise stated.
    • •Payments are due in accordance with the Subscription Plan you choose.
    • •You authorize us or our third-party payment processor to charge the payment method you provided for all applicable fees.
    • •Fees are non-refundable.

    4.3. Automatic Renewal: Unless otherwise specified, your Subscription Plan will automatically renew at the end of each billing cycle. You authorize us to charge the applicable fees for the renewal Subscription Plan to the payment method on file (“Recurring Payment Method”). You understand that no notice will be given prior to such charges.

    4.4. Invalid Payment: If a payment is not successfully settled due to expiration of a Recurring Payment Method, insufficient funds, or otherwise, you remain responsible for any amounts not remitted to Livmor and Livmor may, in its sole discretion, either (i) invoice you directly for the deficient amount, (ii) continue billing the Recurring Payment Method once you have updated it or (iii) terminate your Subscription Plan. Upon termination or expiration of the Subscription Plan, Livmor will charge your Recurring Payment Method (or invoice you directly) for any outstanding fees from your Subscription Plan.

    4.5. Price Changes: We reserve the right to change our Subscription Plan fees at any time. We will provide Customers with reasonable notice of any price changes, which will take effect at the start of the next billing cycle following the notice.

    4.6. No Refunds: We do not issue refunds. You may cancel your Subscription Plan at any time by contacting support@livmor.ai, but you will not be entitled to a refund. Cancellation will take effect at the end of the current billing period of your Subscription Plan. You will have access to the Services for the remainder of the term for which you have paid.

    4.7. IF THERE IS AN INTERRUPTION OR DISRUPTION IN ANY OF THE SERVICES FOR ANY REASON, EVEN IF WE HAVE BEEN MADE AWARE OF AN ISSUE IN ADVANCE, WE WILL NOT BE REQUIRED TO ISSUE A REFUND FOR ANY FEES.

    5. Your Use of the Service

    5.1. Subject to your compliance with these Terms and all applicable laws and regulations, you shall have a limited right to access and use the Services solely for your internal business purposes during the term of your Subscription Plan. You are responsible for ensuring the accuracy and completeness of all data input into the Services.

    5.2. You agree not to:

    • •use the Services for any unlawful, fraudulent, or malicious purpose;
    • •attempt to gain unauthorized access to, modify, or circumvent the security, integrity, or intended functionality of the Services, other Accounts, or our systems;
    • •interfere with, disrupt or attempt to interfere with or disrupt the integrity or performance of the Services;
    • •engage in any form of rooting, jailbreaking, or similar techniques on devices used to access the Services;
    • •enable or use developer modes, debug tools, beta features, or any interfaces not publicly documented and intended for end users;
    • •upload, transmit, or distribute any Objectionable Content;
    • •reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Services or any AI components;
    • •use the Services to train or develop any AI models or services, including competing models and services;
    • •misrepresent the origin or source of any information provided through the Services;
    • •share your Account credentials with unauthorized individuals;
    • •bypass any measures we may use to prevent or restrict access to the Services;
    • •take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; or
    • •use any robot, spider, scraper, or other automated means to access the Website or Services for any purpose without our express written permission.

    5.3. Responsibility Over Outputs

    • •We are not responsible for any decisions made or actions taken based on outputs from the Services.
    • •While we strive to ensure the accuracy and reliability of our information, the Services are not infallible. Errors, omissions, or mistakes can occur. We do not guarantee the accuracy, completeness, or utility of our outputs.

    5.4. Indemnification by Customer: You will indemnify, defend, and hold harmless Livmor from and against third-party claims, costs, damages, losses, liabilities and expenses (including reasonable attorneys’ fees and costs) arising from or relating to any of your data or content, or breach or alleged breach by you of Sections 5.1-5.3 or Section 7. This indemnification obligation is subject to your receiving (i) prompt written notice of such claim (but in any event notice in sufficient time for you to respond without prejudice); (ii) the exclusive right to control and direct the investigation, defense, or settlement of such claim; and (iii) all necessary cooperation of Livmor at Customer’s expense. Notwithstanding the foregoing sentence, (a) Livmor may participate in the defense of any claim with counsel of its own choosing, at its cost and expense and (b) Customer will not settle any claim without Livmor’s prior written consent, unless the settlement fully and unconditionally releases Livmor and does not require Livmor to pay any amount, take any action, or admit any liability.

    6. Data Privacy

    6.1. Privacy Policy: Our collection, use, and disclosure of personal information about you is governed by these Terms and our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy for more information.

    6.2. Data Security: We implement administrative, technical, and physical safeguards to protect the security and confidentiality of data in accordance with industry standards and applicable laws. However, no security system is impenetrable, and we cannot guarantee the absolute security of your data.

    7. HIPAA Business Associate Terms

    7.1. For purposes of this Section 7, the Health Insurance Portability and Accountability Act of 1996 and its implanting regulations, all as they may be amended from time to time will collectively be referred to as “HIPAA.” Unless otherwise provided in this Section 7, all capitalized terms shall have the meanings provided by HIPAA. This Section 7 sets forth obligations that apply to the data or content you provide because it constitutes Protected Health Information.

    7.2. You agree that you, or your employer or agency in the event you are contracting with us on their behalf, are acting either as a Covered Entity or a Business Associate of a Covered Entity. We will act as a Business Associate.

    7.3. Permitted Uses of PHI:

    7.3.1. We may use and disclose Protected Health Information that we receive from you or otherwise process on your behalf (“PHI”) to provide the Services. We also may use or disclose PHI for the proper management and administration of Livmor, or to carry out our legal responsibilities. For any such disclosure, it must be required by law or else we must obtain reasonable assurances, in writing, from the person to whom the PHI is disclosed that (1) the PHI will remain confidential and be used or further disclosed only as required by law or for the purpose for which it was disclosed to the person; and (2) we will be notified if the person becomes aware that the confidentiality of the PHI has been breached.

    7.3.2. We may use PHI for Data Aggregation, and you agree that any terms that apply to your use and disclosure of PHI permit you to authorize our use of that PHI for Data Aggregation.

    7.3.3. We may de-identify PHI applying the standards required by 45 C.F.R. § 164.514 and use or disclose de-identified PHI for any purpose permitted by applicable law.

    7.3.4. We will not use or disclose PHI other than as permitted or required by these Terms or as required by law.

    7.4. Minimum Necessary: You and we will both make reasonable efforts to use and disclose the minimum PHI necessary to achieve the intended purpose or exercise our rights under this Section 7, taking into account the nature of the Services.

    7.5. Our Obligations with Respect to PHI:

    7.5.1. Safeguards. We will implement and maintain appropriate safeguards with respect to electronic PHI that are intended to reasonably prevent unauthorized uses or disclosures of PHI. We shall comply with applicable requirements of the HIPAA Security Rule, 45 C.F.R. Part 160 and Part 164, Subparts A and C.

    7.5.2. Notice of Security Incident or Breach. Upon becoming aware of any use or disclosure of PHI not permitted by these Terms, or any Security Incident, we will notify you. If the unauthorized use or disclosure of PHI or Security Incident constitutes a Breach of Unsecured PHI, we will notify you without undue delay and, where feasible, within thirty (30) days. To the extent possible, we will provide a brief description of what happened, the individuals who may have been affected, the types of Unsecured PHI involved, and any remedial actions taken. We shall have no obligation to provide any other notifications that may be required for Individuals, the media, or regulatory agencies. Notwithstanding the foregoing, this provision constitutes your notice of the ongoing existence and occurrence of attempted but unsuccessful Security Incidents, for which no additional notice shall be required, including but not limited to, pings and other broadcast attacks on our network, port scans, unsuccessful log-in attempts, and similar occurrences, provided such incidents do not result in unauthorized access, use, or disclosure of Unsecured PHI.

    7.5.3. Mitigation. We will use commercially reasonable efforts to mitigate, to the extent practicable, any harmful effect that is known to us caused by our use or disclosure of PHI in violation of the requirements of this Section 7.5.

    7.5.4. Use of Subcontractors. We will ask our subcontractors that create, receive, maintain, or transmit PHI on our behalf to agree to restrictions and conditions that are substantially the same as the restrictions and conditions that apply to us in this Section 7.

    7.5.5. Access to PHI. If we maintain PHI in a Designated Record Set, we will provide you with access to that PHI in a time and manner appropriate to comply with 45 C.F.R. § 164.524. We may charge you a reasonable fee reflective of our actual costs in providing such access because the Services are not intended to be used in connection with Designated Record Sets.

    7.5.6. Amendment of PHI. If we maintain PHI in a Designated Record Set, we will provide you with assistance to amend that PHI in a time and manner appropriate to comply with 45 C.F.R. § 164.526. We may charge you a reasonable fee reflective of our actual costs in achieving such amendments because the Services are not intended to be used in connection with Designated Record Sets.

    7.5.7. Accounting of Disclosures. We will provide you with the information required to make an accounting of disclosures of PHI, if any, to the extent required for you to respond to a request by an Individual, or a Covered Entity if applicable, in accordance with 45 C.F.R. § 164.528.

    7.5.8. Review by the Secretary. We will make relevant documentation regarding our internal practices, books and records, to the extent they are directly related to our use or disclosure of PHI, available to the Secretary of the U.S. Department of Health and Human Services upon the Secretary’s reasonable request for the purpose of permitting the Secretary to determine our or your compliance with HIPAA. We shall not be obligated to provide any material or documentation that is subject to any applicable legal privileges.

    7.6. Your Obligations with Respect to PHI:

    7.6.1. Authorization. You agree that you have obtained any legal rights, consents, authorizations, or permissions necessary under applicable law to permit our processing of PHI.

    7.6.2. Safeguards. You are responsible for implementing appropriate privacy and security safeguards to meet your obligations under HIPAA. You are solely responsible for ensuring that only individuals authorized to do so will access PHI through your account or credentials.

    7.6.3. Restrictions. You agree that you have not committed to any restrictions with respect to the use or disclosure of PHI that would limit our provision of Services, or our use and disclosure of PHI, as described herein. You will not request or cause us to use or disclose PHI in any manner that would not be permissible under HIPAA if done by a Covered Entity.

    7.6.4. No Delegation of Privacy Rule Obligations. You may not delegate to us any of your obligations under the HIPAA Privacy Rule 45 C.F.R. Part 160 and Part 164, Subparts A and E.

    7.7. Termination for Cause: Upon either party’s knowledge of a material breach of Section 7 by the other party, the non-breaching party shall either provide an opportunity for the breaching party to cure the breach or end the violation within thirty (30) days and if the breaching party does not cure the breach or end the violation within thirty (30) days upon written notice of the breach, terminate as provided by Section 11.

    7.8. Effect of Termination on PHI: Upon termination of these Terms, if we have retained any PHI, we will promptly destroy and retain no copies of that PHI. If such destruction is not feasible, we will extend the requirements of this Section 7 to the PHI that we cannot feasibly destroy, and we will limit further uses and disclosures of such PHI to those purposes that make destruction infeasible.

    8. Ownership

    8.1. Our Intellectual Property: The Service, and all content, features, and functionality thereof (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), Aggregated Anonymous Data, and Feedback are owned by Livmor, its licensors, or other providers of such material and are protected by United States and/or international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

    8.2. Your Content: As between Livmor and you, you retain all rights in any data, information, or content that you upload, submit, or transmit to the Service other than Aggregated Anonymous Data and Feedback (“User Content”). You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, distribute, display, and perform the User Content as necessary to provide, maintain, and improve the Service, and as permitted by our Privacy Policy.

    9. Disclaimers

    9.1. “AS IS” BASIS: THE WEBSITE AND THE SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

    9.2. NO MEDICAL ADVICE: WE DO NOT PROVIDE MEDICAL ADVICE. THE SERVICE IS A TOOL ONLY AND IS NOT A SUBSTITUTE FOR PROFESSIONAL JUDGMENT. YOU ARE SOLELY RESPONSIBLE FOR ALL DECISIONS AND ACTIONS TAKEN BASED ON YOUR USE OF THE SERVICE.

    9.3. NO GUARANTEE OF ACCURACY: WE DO NOT WARRANT THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

    10. Limitation of Liability

    10.1. IN NO EVENT SHALL LIVMOR, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE TO CUSTOMER (OR YOU) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

    10.2. IN NO EVENT SHALL LIVMOR’S AGGREGATE LIABILITY TO CUSTOMER (OR YOU) EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100.00) OR (B) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE MONTH PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS IS YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE WITH LIVMOR.

    10.3. The foregoing limitations shall not apply to liabilities that cannot be limited or excluded under applicable law.

    11. Termination

    11.1. By You: You may stop using the Services at any time by terminating your Subscription Plan.

    11.2. By Us: We may suspend or terminate your access to the Service, in whole or in part, at any time, with or without cause, and with or without notice, effective immediately, including if:

    • •you breach these Terms;
    • •you engage in any activity that is harmful to us, other users, or third parties;
    • •we are required to do so by law or deem it necessary; or
    • •your Subscription Plan expires or is not renewed.

    11.3. Effect of Termination: Upon termination, your right to use the Service will immediately cease. All provisions of these Terms whose meaning requires them to survive will survive the expiration or termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

    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 Delaware, without regard to its conflict of law principles.

    12.2. Arbitration: Except for disputes that qualify for small claims court, all disputes, controversies, or claims arising out of or related to these Terms, the relationship between Customer (you) and Livmor, or the arbitration provisions contained herein, including the enforceability and validity thereof, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, shall be finally settled through binding arbitration administered by American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules then in effect, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitration shall take place in Castle County, Delaware, and shall be conducted in English by a single arbitrator who has experience in software-as-a-service terms of service. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. The arbitrator’s decision will follow the terms of these Terms and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of these Terms, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The arbitrator will have no authority to certify a class, award class-wide relief, or award relief on behalf of anyone other than the parties to this Agreement. Each party shall bear its own costs, fees, and expenses of arbitration.

    12.3. Class Action Waiver: WHERE PERMITTED UNDER APPLICABLE LAW, YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST LIVMOR ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. UNLESS BOTH CUSTOMER AND LIVMOR AGREE, NO JUDGE OR ARBITRATOR MAY CONSOLIDATE MORE THAN ONE PERSON’S OR ENTITY’S CLAIMS OR OTHERWISE PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING.

    13. Changes to these Terms

    13.1. We reserve the right, at our sole discretion, to modify or replace these Terms at any time by posting a new version on our Website or upon logon to the Service. If a revision is material, we will endeavor to provide you 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the Services after revisions become effective, you agree to be bound by the revised terms whether or not you received notice. If you do not agree to the new terms, do not use the Services.

    14. General

    14.1. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Livmor regarding your use of the Services.

    14.2. Severability: If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

    14.3. Waiver: No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Livmor to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

    14.4. Forms: Pre-printed or standard terms and conditions of any purchase or other ordering document issued by Customer in connection with these Terms or the Service shall be void, and as such shall not be binding on Livmor and shall not be deemed to supersede or replace any terms and conditions hereof or otherwise modify any these Terms, regardless of whether such documents claim to do so.

    14.5. Force Majeure: Neither party shall be liable to the other for any delay or failure to perform any obligation under these Terms (except for a failure to pay fees) if the delay or failure is due to acts beyond its reasonable control including, but not limited to, acts of God, or public enemy, the acts or failure to act of any governmental authority, civil unrest, acts of civil or military authority, war, embargos, labor disputes, fires, earthquakes, epidemics, pandemics, floods, unusually severe weather, natural disaster, or shortage or diminishment or failure of power or telecommunications services, data networks, cloud services or backup systems.

    14.6. Electronic Acceptance: You consent to the use of an online check box to evidence your agreement to these Terms and agree that checking the box during the sign-up process can be used as evidence of your agreement to these Terms.

    14.7. Order of Precedence: If there is a conflict between these Terms and any order form provided by Livmor, the terms of the Order Form shall control to resolve the conflict.

    15. Contact Information

    If you have any questions about these Terms, or need to contact us for any reason, please contact us at: support@livmor.ai.