Terms of Use

1. Acceptance of Terms

Welcome to MDabroad. These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and US & UK Medical Abroad, LLC, doing business as MDabroad ("MDabroad," "we," "us," or "our").

By accessing or using our website located at mdabroad.com (the "Site"), our provider portal, our MDiX platform, or any of our services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not access or use our Services.

If you are using our Services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms, and "you" shall refer to such entity.

2. Description of Services

MDabroad provides international medical assistance, clinical coordination, cost containment, claims financing, telemedicine, and technology platform services ("Services") primarily to:

• Insurance companies and reinsurers
• Third-party administrators (TPAs)
• Assistance companies
• Employers with international health programs
• Healthcare providers seeking network participation
• Individuals covered under policies serviced by MDabroad

Our Services include, but are not limited to: 24/7/365 medical assistance and emergency coordination, medical case management and clinical oversight, U.S. and international medical cost containment, claims adjudication and processing via our MDiX platform, claims financing and provider payment services, telemedicine consultations, pharmacy benefit coordination, and medical evacuation and repatriation coordination.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Services under applicable law

If you are accessing our Services as an insured member, your eligibility for medical assistance and related benefits is determined by your insurance policy. MDabroad acts on behalf of your insurer and is not the insurer or guarantor of any benefits.

4. Account Registration and Security

Certain features of our Services, including the provider portal and MDiX platform, require account registration. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials confidential and secure
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe have been compromised.

5. Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Services for any fraudulent, illegal, or unauthorized purpose
• Attempt to gain unauthorized access to any part of the Services, other accounts, or computer systems
• Interfere with or disrupt the integrity or performance of the Services
• Transmit any viruses, malware, or other malicious code
• Harvest, scrape, or collect information about other users without consent
• Impersonate any person or entity or misrepresent your affiliation
• Use automated systems (bots, scrapers) to access the Services without our express permission
• Reverse engineer, decompile, or disassemble any part of the Services
• Circumvent any security measures or access controls
• Use the Services to transmit spam, chain letters, or unsolicited communications
• Violate any applicable local, state, national, or international law or regulation

We reserve the right to investigate and take appropriate legal action against anyone who violates these prohibitions, including removing content, suspending or terminating access, and reporting to law enforcement.

6. Intellectual Property

Our Intellectual Property

All content, features, and functionality of the Services—including but not limited to text, graphics, logos, icons, images, audio, video, software, databases, and the overall design and arrangement ("Content")—are owned by MDabroad or our licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The MDabroad name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of US & UK Medical Abroad, LLC. You may not use these marks without our prior written permission.

Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purposes. This license does not include any resale or commercial use of the Services or Content, any collection or use of product listings, descriptions, or prices, any derivative use of the Services or Content, or any downloading or copying of account information for the benefit of another party.

7. Third-Party Services and Links

Our Services may contain links to third-party websites, services, or content that are not owned or controlled by MDabroad. We are not responsible for the content, privacy policies, or practices of any third-party sites or services.

We may integrate with third-party services (e.g., payment processors, telemedicine providers, pharmacy networks) to deliver our Services. Your use of such integrated services may be subject to additional terms and conditions.

8. Disclaimer of Warranties

Medical Disclaimer

MDABROAD IS NOT A HEALTHCARE PROVIDER, INSURER, OR MEDICAL FACILITY. While we coordinate medical assistance and may facilitate telemedicine consultations, we do not provide medical advice, diagnosis, or treatment. All medical decisions are made by licensed healthcare professionals. Always seek the advice of qualified health providers with any questions regarding a medical condition.

Insurance Disclaimer

MDABROAD IS NOT AN INSURANCE COMPANY. We act as a service provider to insurers and TPAs. Coverage determinations, benefit eligibility, and claims payment decisions are made by your insurer, not by MDabroad. Your insurance policy governs your benefits.

9. Limitation of Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO MDABROAD IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Indemnification

You agree to defend, indemnify, and hold harmless MDabroad and its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Services
• Your User Content
• Your violation of any third-party rights, including intellectual property or privacy rights
• Your violation of any applicable law or regulation

11. Governing Law and Dispute Resolution

Governing Law

These Terms and any dispute arising from or relating to them or the Services shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

Dispute Resolution

Informal Resolution: Before initiating any formal proceeding, you agree to contact us at legal@mdabroad.com and attempt to resolve the dispute informally for at least thirty (30) days.

Binding Arbitration: If informal resolution is unsuccessful, any dispute shall be finally resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Miami-Dade County, Florida, unless the parties agree otherwise.

Class Action Waiver: YOU AND MDABROAD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Jurisdiction

For any matters not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida.

12. Modifications to Terms

We reserve the right to modify these Terms at any time in our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of these Terms and provide notice through the Services or by other reasonable means.

Your continued use of the Services after any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Services.

13. Termination

By You

You may terminate your use of the Services at any time by discontinuing access and, if applicable, closing your account.

By MDabroad

We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice, including if we reasonably believe that you have violated these Terms, your use poses a security risk, or providing the Services to you is no longer commercially viable.

Effect of Termination

Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive (including intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution) will remain in effect.

14. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and MDabroad regarding the Services.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
• Force Majeure: MDabroad shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including natural disasters, war, terrorism, pandemics, or government actions.

15. Contact Information

© 2026 US & UK Medical Abroad, LLC d/b/a MDabroad. All rights reserved.