How you may use this website.

These Terms of Use (“Terms”) govern your access to and use of the website, content, forms, tools, educational resources, and online services provided by Newpath Medical Inc. (“Newpath Medical,” “Newpath,” “we,” “our,” or “us”).

By accessing or using this website, you agree to these Terms. If you do not agree, do not use this website.

These Terms apply only to use of this website and related online materials. Separate membership agreements, program guidelines, financial assistance policies, applications, authorizations, or third-party agreements may apply to specific programs or services.

Newpath Medical is a nonprofit organization organized to promote healthcare access, healthcare education, healthcare navigation, financial assistance, and voluntary medical cost-sharing.

Newpath Medical is not an insurance company and does not provide insurance. Participation in any Newpath Medical cost-sharing program is voluntary and does not guarantee payment or reimbursement of any medical bill or expense.

The information provided on this website is for general educational and informational purposes only. It is not medical advice, diagnosis, treatment, clinical guidance, or a substitute for advice from a licensed physician or other qualified healthcare professional.

You should not disregard, delay, or avoid professional medical advice because of anything you read on this website.

For medical emergencies, call 911 or seek immediate emergency medical care.

Nothing on this website constitutes insurance advice, legal advice, tax advice, financial advice, or a recommendation to purchase, cancel, replace, or decline any insurance product or healthcare arrangement.

You are responsible for determining whether participation in any Newpath Medical program is appropriate for you and whether you need insurance coverage, legal advice, tax advice, or professional guidance.

This website may describe Newpath Medical's programs, including healthcare navigation, voluntary cost-sharing, financial assistance, medical debt relief, educational resources, and related services.

These descriptions are summaries only. Actual eligibility, benefits, limitations, exclusions, procedures, obligations, sharing criteria, and available support are governed by the applicable program guidelines, applications, policies, agreements, and governing documents.

Newpath Medical may change, suspend, limit, expand, or discontinue programs or services at any time, subject to applicable law and governing documents.

Participation in any Newpath Medical cost-sharing program is voluntary. Member contributions are not insurance premiums. Newpath Medical does not guarantee that any medical expense will be shared or paid.

Members remain responsible for their own medical expenses and provider obligations. Submission of a sharing request does not guarantee approval, payment, reimbursement, negotiation, reduction, or resolution.

Newpath Medical may provide financial assistance, medical debt relief, or other charitable support, subject to available resources, eligibility criteria, application procedures, documentation requirements, and governing policies.

Submitting an application or request for assistance does not guarantee approval or payment. Newpath Medical may deny, limit, condition, or modify assistance in accordance with its policies and available resources.

You agree that you will:

• provide accurate, current, and complete information;
• not submit false, misleading, fraudulent, or unauthorized information;
• not use the website for unlawful, harmful, abusive, or disruptive purposes;
• not attempt to gain unauthorized access to any system, data, account, or network;
• not interfere with the operation, security, or integrity of the website;
• not copy, scrape, harvest, or misuse website content or user information;
• comply with all applicable laws and regulations.

Newpath Medical may restrict, suspend, or terminate access to the website or programs if we believe a user has violated these Terms, program guidelines, law, or the rights of others.

If the website allows you to submit forms, applications, documents, messages, or other materials, you are responsible for the accuracy and legality of what you submit.

By submitting information, you authorize Newpath Medical to receive, review, store, use, and disclose the information as reasonably necessary to respond to your request, administer programs, coordinate services, maintain records, and comply with applicable law, subject to our Privacy Policy and any applicable authorizations.

You should not submit information on behalf of another person unless you have authority to do so.

This website may contain links to third-party websites, providers, administrators, clinics, payment processors, vendors, partners, or resources. Newpath Medical provides these links for convenience and informational purposes only.

Newpath Medical does not control and is not responsible for third-party websites, services, content, policies, charges, decisions, medical care, advice, privacy practices, or security practices.

Use of third-party services may be subject to separate terms, privacy policies, authorizations, and agreements.

The website and its content, including text, graphics, logos, icons, design, layout, images, educational materials, documents, and other materials, are owned by or licensed to Newpath Medical unless otherwise stated.

You may view and download materials for personal, noncommercial, informational use. You may not copy, modify, distribute, sell, exploit, or create derivative works from website materials without prior written permission from Newpath Medical, except as permitted by law.

Newpath Medical seeks to provide accurate and useful information, but we do not guarantee that the website will be error-free, complete, current, secure, uninterrupted, or available at all times.

Information may be changed or updated without notice. Newpath Medical is not responsible for typographical errors, outdated information, technical issues, or third-party content.

This website and all content, materials, forms, tools, and online services are provided “as is” and “as available,” without warranties of any kind, express or implied.

To the fullest extent permitted by law, Newpath Medical disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security.

To the fullest extent permitted by law, Newpath Medical and its directors, officers, employees, volunteers, agents, contractors, vendors, partners, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or related to your use of, or inability to use, this website or any information provided through it.

Nothing in these Terms is intended to limit liability where such limitation is prohibited by law.

You agree to indemnify and hold harmless Newpath Medical and its directors, officers, employees, volunteers, agents, contractors, vendors, partners, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• your use or misuse of the website;
• your violation of these Terms;
• your submission of false, misleading, unauthorized, or unlawful information;
• your violation of any law or third-party right;
• your conduct in connection with any Newpath Medical program or service.

Your use of this website is also governed by our Privacy Policy. By using the website, you acknowledge that Newpath Medical may collect, use, disclose, and retain information as described in the Privacy Policy.

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law principles, except where federal law or another jurisdiction's law applies and cannot be waived.

Newpath Medical may update these Terms from time to time. Updated Terms will be posted on this website with a revised “Last Updated” date. Continued use of the website after changes are posted means you accept the updated Terms.

Questions about this disclosure may be directed to: info@newpathmed.org