Terms of Service

Welcome to ViscaCare

ViscaCare is operated by Gewardz Health, a trading name of Gewardz Media Ltd ("the Company").

As soon as you register for this service, we will send a welcome email to you with all of the instructions on the service and how to access your dashboard and Doctor services. Please check your email (including spam folder) after registration.

1. Agreement to Terms

By accessing and using ViscaCare services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service govern your use of our healthcare platform, including all online Doctor consultations, healthcare navigation tools, AI-powered guidance, and related services provided to individuals, families, and business members.

2. What Your Membership Includes

ViscaCare is a monthly membership. Every tier includes the following, with no extra charge:

• Healthcare entitlement and cost information for Ireland, the UK and 170+ countries
• Ask Mia, our AI health and healthcare-navigation companion (general guidance and healthcare system information, not medical advice or diagnosis)
• Your encrypted health record vault, document storage and sharing
• Health tracking, wearable connections and doctor summary documents
• Travel health checklists, alerts and your emergency card
• The ability to book online Doctor appointments through our clinical partner

Online Doctor appointments are charged separately

Membership gives you access to online Doctor appointments at a fixed member price. It does not include appointments themselves and is not unlimited. Each online Doctor appointment costs €39 (Ireland) or £35 (United Kingdom), charged at the time of booking, including during your 14-day free trial. Prices are shown before you confirm any booking, and we will always tell you the price before you are charged.

If a booking is cancelled in line with the clinical partner's cancellation window, the appointment charge is not applied. Where a tier includes appointment credits, each credit covers one appointment, is used at the point of booking and does not roll over between months. Any partner services listed in the app (for example screening panels or dental partners) are provided and priced by those partners and are not included in your membership fee.

ViscaCare is not health insurance and is not a substitute for emergency care. Prescriptions are issued only where a Doctor considers it clinically appropriate, and dispensing charges are separate.

3. Registration and Account

To use our services, you must register for an account and provide accurate, complete information. You are responsible for maintaining the security of your account credentials.

Family Membership Limits

Each membership covers a maximum of Parents + 4 children. This includes:

• The primary member and their partner/spouse
• Up to 4 dependent children who reside at the same address
• Children in full-time education up to the age of 23 (even if residing at a different address for educational purposes)

Age and Legal Capacity

To register as the primary member you must be at least 18 years old and legally capable of entering into a binding contract in your country of residence. By registering, you confirm that this is the case. Children and other dependants added under a family membership are covered by the primary member's contract with us; the primary member is responsible for their use of the service.

4. Payment Terms and Minimum Membership Period

Minimum Period of Membership

You have a one-time minimum 90-day membership period. It runs for 90 days from the day your membership starts and includes your 14-day free trial and 14-day cooling-off period. It applies once only — it never renews, resets or repeats. After those first 90 days your membership simply continues on a rolling monthly basis until you choose to cancel, and you can cancel at any time with no further liability and no cancellation fee.

14-Day Cooling-Off Period

Under the EU Consumer Rights Directive (2011/83/EU), the Irish Consumer Rights Act 2022 and the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have 14 days from the date your subscription starts to change your mind and cancel without giving a reason.

Express request to begin service during the 14 days. At checkout we ask you to tick a box acknowledging that an online Doctor appointment costs €39 (Ireland) or £35 (United Kingdom) at any time, including during the 14-day period, and that this appointment price remains payable for any appointment already supplied if you then cancel within the cooling-off period. By ticking that box and using the service before day 14, you are expressly requesting that we begin performance of the service during the cooling-off period, as required by Article 7(3) of the Directive and regulation 36 of the UK CCRs.

There is no cancellation, withdrawal or penalty fee. If you cancel within the 14 days, the only amount payable is the standard price of any online Doctor appointment you actually used before cancelling (€39 Ireland / £35 United Kingdom per appointment) — the ordinary price of a service supplied at your express request, charged in proportion to what was provided, as permitted by Article 14(3) of the Directive and regulation 36 of the UK CCRs. Where you have used no appointments during the 14 days, cancellation within cooling-off is free of charge and any monies paid will be refunded within 14 days to the payment method used.

Voluntary Cooling-Off for Non-EU/UK Consumers

The statutory 14-day right of withdrawal above applies to consumers resident in the EU, EEA, United Kingdom and Switzerland. As a matter of policy — and beyond what the law strictly requires — ViscaCare voluntarily extends the same 14-day cooling-off period, on the same terms (including payment for the ordinary €39 / £35 price of any online Doctor appointment used), to consumers resident outside the EU/EEA/UK/Switzerland.

How to exercise the right of withdrawal. To cancel within the 14-day period, email accounts@gewardz.com with a clear statement of your decision to withdraw, or use the model withdrawal form below. You may copy and paste it into an email:

To: Gewardz Media Ltd (ViscaCare)
     Northern Ireland, BT35 6AU, United Kingdom
     accounts@gewardz.com

I hereby give notice that I withdraw from my contract for the following service:
  - Service: ViscaCare membership
  - Ordered on: [date]
  - Name of consumer: [name]
  - Address of consumer: [address]
  - Email used to register: [email]
  - Signature (if paper): ____________________
  - Date: [date]

Subscription Details

• No setup or joining fees
• No additional consultation charges
• Payments are made monthly in advance on the same date each month
• Charges will appear as "Gewardz" on bank statements

Important Payment Information

Following your initial 90-day minimum period, you may cancel your subscription at any time. There are no refunds or partial refunds for payments already processed, except where a refund is required by law (including your 14-day right of withdrawal above and your statutory remedies for services or digital content that do not conform to contract under the Irish Consumer Rights Act 2022, the UK Consumer Rights Act 2015 and applicable EU law).

5. Service Availability

• Online Doctor appointments: 8am to 10pm, 7 days a week
• ViscaCare dashboard: Available 24/7
• AI healthcare guidance: Available 24/7

Emergency services: Our services are NOT intended for emergency medical situations. For urgent medical needs, contact your local emergency services (999/112) immediately.

6. Important Medical Disclaimer

ViscaCare provides healthcare system information and online Doctor access. The healthcare navigation information on this platform is for general informational purposes only and should not be considered as a substitute for professional medical advice, diagnosis, or treatment.

Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Clinical Provider — Health Hero (who actually delivers care)

ViscaCare is a healthcare navigation and booking platform. We are not a healthcare provider, medical practice, hospital, or clinic. Online Doctor consultations accessed through the platform are delivered by Health Hero, a regulated digital health provider (the "Clinical Provider") whose clinicians exercise their own independent clinical judgement and hold their own professional indemnity insurance and clinical governance.

By using the online Doctor service you also enter into a separate care relationship with Health Hero, subject to Health Hero's terms and clinical policies. Clinical decisions, prescriptions, referrals, notes and the medical record are the responsibility of Health Hero and its clinicians, not of Gewardz Media Ltd or ViscaCare. Any complaint about a clinical matter (including diagnosis, prescribing, referral or bedside manner) should in the first instance be directed to Health Hero; we will help you route it.

AI Healthcare Assistant — Important Limitations

Our AI healthcare assistant (including any feature marketed as "MIA") is an automated information tool. It produces text on the basis of statistical language models and may be inaccurate, incomplete, or out of date. Its output is not medical advice, not a diagnosis, and is not reviewed in real time by a clinician. Do not rely on the AI assistant to decide whether or not to seek urgent care, take a medicine, stop a medicine, or manage a medical condition. Always confirm anything of clinical importance with a qualified healthcare professional. You use the AI assistant at your own risk; to the extent permitted by law, we exclude liability for any decision you take based on its output.

AI Transparency (EU AI Act, Article 50)

You are told clearly, in the product and here, that you are interacting with an artificial intelligence system and not a human clinician. Ask Mia is a limited-risk AI system under Regulation (EU) 2024/1689 (the EU AI Act) and is subject to transparency obligations, not high-risk obligations: it does not diagnose, triage, prescribe, or make decisions about your care, and it is not a medical device under Regulation (EU) 2017/745. Content it generates is AI-generated. Human oversight is maintained: clinical decisions are only ever made by regulated Doctors through our clinical partner, and you can request human review of anything Ask Mia has told you by emailing support@viscacare.com. We do not use Ask Mia for emotion recognition, biometric categorisation, or social scoring.

7. Cancellation Policy

How to Cancel

You can cancel your membership subscription from your Profile page in the app, or by emailing accounts@gewardz.com.

Cancellation Terms

• Minimum Term: If you cancel before the end of your one-time initial 90-day minimum period, you remain liable for any remaining payments in that period. No minimum period applies after that.
• Online Doctor appointment price: An online Doctor appointment costs €39 for members in Ireland and £35 for members in the United Kingdom, in every context, including during the 14-day trial. You are always shown and charged in your own currency.
• No cancellation fee: We do not charge any penalty, exit or fair-use fee for cancelling. If you cancel within the 14-day cooling-off period, you pay only the standard price of any online Doctor appointment you already used.
• Access: Upon cancellation, your access to Doctor benefits will remain active until the end of your current paid billing period, at which point access will cease.
• Medical Records: While portal access ceases upon termination, your medical records remain protected and accessible upon request via support@gewardz.com in accordance with statutory health record retention requirements.

Anti-Evasion Retention

To protect the integrity of the initial 90-day minimum period and recover any outstanding appointment charges, we retain a limited set of hashed identifiers (email, phone number and Stripe payment card fingerprint) for 12 months from cancellation. If those identifiers appear on a new sign-up or checkout during that period, we will refuse the new subscription and ask you to contact support to settle any outstanding balance. Full detail — including the legal basis, how to request early release, and how to object — is set out in Section 10 of our Privacy Policy.

8. Suspension and Termination by the Company

We may suspend or terminate your membership at our discretion in the following circumstances:

• Fraud or misrepresentation: Providing false information during registration, impersonating another person, or using a stolen payment method.
• Abuse or misuse of service: Using Doctor appointments for commercial purposes, reselling access, or booking appointments you do not intend to use.
• Excessive or unreasonable use: Usage patterns that materially exceed fair personal or family use and impair service availability for other members.
• Illegal or harmful conduct: Using the service for unlawful purposes, or engaging in harassment, threatening behaviour, or abuse toward our staff or doctors.
• Material breach of these Terms: Any serious or repeated breach that undermines the service or our contractual relationship.

Notice and Process

Where immediate suspension is necessary to protect the service, the Doctors who provide consultations through it, or other members — for example, suspected fraud, abuse, or illegal conduct — we may suspend your access without prior notice and notify you afterwards. For other material breaches, we will give you at least 14 days' written notice by email to your registered address, specifying the breach and requesting that you remedy it. If the breach is not remedied within that period, or is incapable of remedy, we may terminate your membership with immediate effect.

Effect of Termination by Us

On termination by the Company, your access to Doctor services and the ViscaCare dashboard will cease immediately or on the date specified in our notice. You remain liable for any fees that fell due before termination. There is no refund of fees already paid for the current billing period unless a refund is required by law (including your 14-day cooling-off rights and applicable statutory remedies). The anti-evasion retention of hashed identifiers described in Section 7 applies as normal.

9. Limitation of Liability and Clinical Disclaimers

While we strive to provide high-quality healthcare services, the following limitations apply:

• Prescriptions: Our doctors cannot prescribe controlled substances, certain specialised medications, or high-level psychiatric drugs. Prescriptions and referrals are provided solely at the doctor's clinical judgement.
• Scope: Services are supplementary and not a replacement for local primary care or specialist secondary care.
• Technology: Occasional technical limitations may affect service availability.

Financial Cap on Liability

To the fullest extent permitted by applicable law, and subject to the consumer-rights carve-out below, our total aggregate liability to you arising out of or in connection with these Terms or your use of ViscaCare — whether in contract, tort (including negligence), misrepresentation, breach of statutory duty or otherwise — shall not exceed the total membership fees actually paid by you to us in the twelve (12) monthsimmediately preceding the event giving rise to the claim.

We do not exclude or limit liability where it cannot lawfully be excluded or limited, including for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or for your non-excludable rights as a consumer under the Irish Consumer Rights Act 2022, the UK Consumer Rights Act 2015 and applicable EU law. We are not liable for the acts or omissions of the Clinical Provider or its clinicians (see Section 6), whose services are provided under a separate relationship with you.

We are not liable for indirect, consequential or purely economic loss, loss of profit, loss of anticipated savings, loss of business or reputation, or loss of data, in each case to the extent such exclusion is permitted by law.

10. Privacy and Data Protection

We take your privacy seriously and comply with all applicable data protection laws, including GDPR. Your personal and health information is protected according to our Privacy Policy.

In particular, please review Section 10 of the Privacy Policy for how we retain hashed identifiers for 12 months after cancellation to enforce these Terms, and how we record related security events.

11. Intellectual Property

All content on ViscaCare, including text, graphics, logos, and software, is the property of ViscaCare and is protected by intellectual property laws. You may not use, copy, or distribute our content without prior written permission.

12. Changes to Terms

We may need to change these Terms from time to time — for example to reflect a change in the law, in regulatory guidance, in the services we offer, or in the third parties we rely on. We will not make changes that materially disadvantage you without following the process below.

Notice. We will give you at least 30 days' written notice by email to your registered address before any material change takes effect, explaining what is changing and why. Minor changes that do not affect your rights (such as correcting typographical errors or clarifying wording) may be made without notice.

Your right to cancel. If you do not accept a material change, you may cancel your membership before it takes effect and we will not apply the initial 90-day minimum period to that cancellation. We will refund any amount you have paid in advance for services you will not receive. You will not be treated as having accepted a change simply because you continue to use the service.

Price changes. Your subscription price is fixed for your initial 90-day minimum period. After that, we may change the price with at least 30 days' notice; if you do not accept the new price you may cancel before it takes effect and the new price will never be charged to you without that notice and that opportunity to cancel.

13. Force Majeure and Service Interruptions

We are not in breach of these Terms, and are not liable for any delay or failure to perform, where the delay or failure is caused by an event outside our reasonable control. This includes (without limitation): failure or unavailability of essential third-party infrastructure providers (including our payment processor Stripe, our platform host Lovable Cloud / Supabase, and the Clinical Provider that delivers the online Doctor service); loss of internet connectivity or telecommunications; large-scale cyber attacks; acts of government, regulator, or court; industrial action; epidemic or pandemic; fire, flood, or other natural events; and war, terrorism, or civil unrest.

Where a force majeure event materially affects the service for a prolonged period, we will use reasonable efforts to notify you, to restore service, or — where continuation is no longer viable — to offer a fair pro-rata credit or refund of undelivered service as required by law. Nothing in this section limits your non-excludable statutory rights as a consumer.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Northern Ireland, United Kingdom, without regard to its conflict of law provisions.

Consumer protection. If you are a consumer resident in the European Union, the European Economic Area, the United Kingdom or Switzerland, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of the country in which you are habitually resident (Article 6 of Regulation (EC) No 593/2008, "Rome I"). You may also bring proceedings in the courts of your country of residence.

15. Contact Information

General Support: support@gewardz.com

Account & Billing: accounts@gewardz.com

16. Complaints & Dispute Resolution

16.1 How to complain — first, come to us

We want to resolve any concern quickly and fairly. Please send the detail of your complaint to our dedicated complaints team:

We aim to acknowledge every complaint within 5 working days and to provide a substantive written response within 30 days. If we need longer to investigate a complex matter (for example one involving our Clinical Provider), we will tell you why and give you a revised timescale. Clinical complaints about a Doctor consultation are handled jointly with Health Hero under our Section 6 clinical-complaints process; we will route them on your behalf.

16.2 Online Dispute Resolution (EU ODR platform)

If we have not resolved your complaint to your satisfaction and you are a consumer in the EU, EEA or UK, you may submit it to the European Commission's Online Dispute Resolution (ODR) platform. This is a free, official EU service for disputes arising from online purchases of goods or services. The ODR platform routes your complaint to the competent national Alternative Dispute Resolution (ADR) body in the trader's country, which will then determine whether it can accept the dispute.

You are not obliged to use the ODR platform or any ADR body before going to court, and using ADR does not affect your statutory consumer rights.

16.3 National consumer bodies (free help and escalation)

You always retain the right to seek free help from the consumer body in your country of residence. These bodies can advise you, contact us on your behalf, and — where applicable — help you escalate through their country's ADR scheme or the courts:

• Republic of Ireland: Competition and Consumer Protection Commission (CCPC) — ccpc.ie; European Consumer Centre (ECC) Ireland — eccireland.ie; Small Claims via courts.ie.
• United Kingdom: Citizens Advice consumer service — citizensadvice.org.uk; Trading Standards via your local council; Small Claims via gov.uk.
• Other EU/EEA countries: your national European Consumer Centre (ECC-Net) — eccnet.eu — will assist with cross-border complaints involving an Irish/UK trader at no cost.

Escalation path. Direct to us (16.1) → EU ODR platform / national ADR body (16.2) → national consumer body (16.3) → courts of your country of residence. Nothing in these Terms limits your right to bring a complaint before a national regulator or a court, and you are never required to exhaust our internal or any ADR process before doing so.