LAST UPDATED: OCTOBER 2023
Welcome to this website or mobile application, a service of Stride Health, Inc. (“we, us or our”). These Terms of Use (“Terms”) apply whenever you use this website or mobile application, or any other related service, website, mobile application or interactive features (“the “Services”).
The Terms describe the commitments we make to you if you are an Authorized User (either a current or prospective applicant for insurance, also referred to as a “Consumer,” or an Agent or Broker) of the Services and what you are allowed to do when engaging with the Services. You are not allowed to use the Services unless you agree to and/or consent to everything in these Terms. If you do not understand any item in these Terms, or you do not agree to any provision in these Terms, we are going to have to ask you to log off, disconnect, and otherwise refrain from using the Services.
PLEASE READ THESE TERMS CAREFULLY, AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. PLEASE NOTE THAT THESE TERMS REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
Who Can Use the Services
We love kids, but the Services are intended only for grownups. You have to be 18 years of age or older to use the Services and live within the United States. If you are using the Services on behalf of an entity, organization or company, you need to have the authority to bind that organization to these Terms (if you use the Services, you are representing to us that you do have that authority) and you agree to be bound by these Terms individually and on behalf of that organization. You cannot pretend to be somebody else, or another entity, or misrepresent your identity or affiliation with another person or entity.
Creation and Use of Your Account
All Authorized Users
In order to use certain features of the Services you may have to establish an account and obtain a login name and password. Your name and password are called “Account Credentials.” You authorize us to process any transactions initiated through the use of your Account Credentials and you accept full responsibility for all activities, whether financial or otherwise, that occur under your account. For that reason, you need to keep your Account Credentials confidential and secure. If you have any reason to think that your Account Credentials are not secure, you must tell us immediately at support@stridehealth.com. Stride will not be liable for the unauthorized use or misuse of your account or Account Credentials.
You are not permitted to enter any information about a minor anywhere on the Services unless you are that minor’s legal guardian and consent to the practices described in these Terms on behalf of that minor. We may ask you to verify that consent, and you are required to do so promptly.
Consumer Special Notice
If you file an application for health insurance using the Services, you are appointing Stride Health, Inc. as your agent in order to secure your coverage through the applicable internet channel and to help you manage your plan throughout the year.
You are responsible for making sure that the payment and social security information you provide us is accurate and complete and up to date. When you enter payment information on the Services, you represent that you have any rights necessary to pay with the credit card you use or save, and you consent to our using your financial information to process transactions on your behalf. When we process transactions, we may charge your credit card directly, on a monthly basis, or we may arrange for you to pay an insurance carrier directly. You agree Stride is authorized to set up autopayment on your plan with the payment information you provide to help make sure your insurance stays effective. Either way, if you elect to buy insurance coverage using the Services, you agree that you can and will pay for it promptly. If you do not pay your premiums, you acknowledge and agree that your carrier may cancel your plan and Stride won’t have any liability to you, even if you incur substantial medical costs while uninsured.
We're focused on delivering the best health plan recommendations to you, so we use trusted third party partners to process payments on our behalf. By agreeing to these terms you consent to a third party processing payments.
We also may offer, or you may elect, to allow us to act as an intermediary between you and your insurance carrier in various ways – for example, as a back-up contact to alert you if your plan is about to be terminated, or to help you deal with your insurance claims. In such cases, you consent to our use of personal and nonpersonal information you’ve provided to us for the purpose of acting as your intermediary in any way that you’re aware of and/or have asked for, including without limitation by participating in our referral program.
Agent/Broker Special Notice
All agents or brokers must have an executed agreement in place between CMS and the agency or brokerage that they work for, have completed all required CMS registration and training, and comply with all privacy and security standards specified in 45 C.F.R 155.260 as well as any applicable State or Federal privacy laws. We also require that you, as a condition of using the Services, comply with all standards of conduct required of an Agent or Broker under 45 C.F.R. 155.220.
Things You Can and Cannot Do On the Services
We grant all Authorized Users of the Services a personal, limited, non-exclusive, non-sublicensable, non-transferable, license to use the Services for the permitted purposes available through the Services. You may not use the Services for any other reason. Nobody is allowed to sublicense, sell, rent, lease, provide service bureau or timeshare services, transfer, transmit, distribute, or otherwise make the Services or any component thereof or any data contained therein available to third parties other than Authorized Users.
You aren’t allowed to use the Services with robots, even if they are very awesome robots. Your license to use the Services does not permit you to scrape — or collect through any automated or computerized means — our data or any third party’s data from the Services. You must be a human to use the Services and you must use the Services only as a human. You must not be a human that allows any virus, Trojan horse, worm, or other kind of malware to invade our systems because you introduced them. You may not use our Services to harm any other human or any entity, and if you do you are responsible for any damage we incur as a result, as discussed below. You cannot damage the Services or use it in any way that could disable, overburden, damage or impair it, or interfere with any other party’s use of the Services.
Intellectual Property Matters
We expressly reserve and retain all intellectual property rights, including copyrights, patent rights, trademarks, and any other type of property interest, past, present or future, in the Services. Any names, logos, product and service names, designs and slogans on the Services are the trademarks of their respective owners.
If we believe (1) you’ve violated these Terms in any way or (2) it’s necessary to prevent fraud, violations of law or harm to others, we have the right to restrict, suspend, or delete your account and collect any outstanding payments you owe. We further reserve the right to pursue any and all legal causes of action against you.
Accuracy of Quotes and Content
We obtain data, which you or, if you are using one, your agent or broker, expressly provide about you and your healthcare needs, and then process that data to recommend the best insurance plan to suit you based on quality, convenience, your ability to keep your doctors and prescription drugs, and the costs that we can reasonably estimate. For that reason, we need all the information that you enter to be accurate. We cannot be responsible for any errors that result from a mistake any Authorized User makes inputting data. The more accurate information the Authorized User provides, the better our recommendations will be. If you are a Consumer, we ask you to acknowledge that other service and insurance providers’ prices and service fees may change over time — that’s just how the world works — but we work with you to gather the most relevant information about your options at the moment you’re in the market for a plan. The prices we quote and consult are subject to change. We consider relevant, detailed information in generating our health plan recommendations, and we get that information from third parties as well as from you. We strive to maximize the accuracy of such information. Unfortunately, prices in the marketplace may change at any time without notice, including prices of insurance policies you’ve purchased. Laws may also change that affect the cost of insurance coverage available to you. In some cases, we make an informed and educated estimate about the price of your projected health costs. For example, we estimate how much an ambulance trip would cost in case of an emergency, but it would be impossible to know the exact cost of an ambulance in advance – we don’t know for sure where you’d come from, which company’s ambulance will pick you up, and where the closest hospital would be. We cannot guarantee that our estimates, projections, copays, or quotes (and other similar items) will be precisely what you would pay for a particular medical visit, medical service, medical device, or insurance policy in the real world. We know our customers will be happier if we offer more accurate information, so we’re always improving our algorithms and data sources – but we are not liable to you or any other user if such estimates are not accurate.
We're only human, so we can’t guarantee perfection – consequently we have limited liability to you.
This is where our lawyers make us use ALL-CAPS legalese to tell you we can’t guarantee we’ll be perfect and our liability to you is consequently very limited.
THESE TERMS LIMIT OUR LIABILITY; PLEASE READ THEM IN FULL.
WE OBTAIN DATA ABOUT SUBSIDY CALCULATIONS AND PLAN BENEFITS, RATES, AND FEATURES LIKE NETWORK AND FORMULARIES FROM A VARIETY OF THIRD PARTY SOURCES OVER WHICH WE HAVE LIMITED CONTROL. WHILE WE TAKE ALL REASONABLE MEASURES TO ENSURE THE ACCURACY OF THESE SOURCES AT ALL TIMES, STRIDE CANNOT GUARANTEE THAT OUR INFORMATION ABOUT PLAN OR SUBSIDY RATES AND/OR AVAILABILITY, PROVIDER NETWORKS, FORMULARY DESIGNS, OR OTHER COSTS, FEES, OR TAXES ARE 100% ACCURATE. BY USING OUR SERVICES YOU ASSUME THE RISK THAT ERRORS MAY OCCUR AND WE ARE NOT LIABLE TO YOU FOR SUCH ERRORS - BUT OUR TEAM IS READY TO HELP YOU IF YOU BELIEVE THERE HAS BEEN ANY ERROR.
Data Matters
To let us process the data that you give us (to provide you services), you must agree to the information practices we’ve described in detail in our Privacy Policy. The Privacy Policy clearly describes to you what information we collect, how we use it, and why, including for cross-marketing purposes. You expressly consent to the practices we describe in our privacy disclosures when you use the Services unless you opt out.
If you access a third party web services through our Services, the third party’s terms and privacy policy apply.
We may provide links through the Services or our email communications that direct you to other web properties owned and controlled by third parties. We may also allow you to connect to third party accounts to more quickly upload pertinent information to help you use our Services. Either way, whenever you are not on a web service within the stridehealth.com domain, the applicable third party is in control of the web property you’ve accessed, not Stride, and their terms and privacy policy apply to your use of those third-party services. If you choose to connect a third-party account to your Stride account, you represent and warrant that you have any and all rights necessary to do so.
Security Matters
We have security measures in place that seek to mitigate risk and use commercially reasonable procedures and technologies to help protect the confidentiality of any information collected through the Services, in accordance with CMS requirements. However, no website can be absolutely protected against intentional or malicious intrusion attempts despite our precautions. Furthermore, Stride does not control the devices, computers, or network through which you access the Services or over which you may choose to send health or payment information to the Services , and therefore cannot prevent potential interceptions or compromises to your information while in transit to the Services. Stride makes no guarantee as to the security, integrity, or confidentiality of any information transmitted to or from the Services. Stride is committed to safeguarding your information to the best of its ability but cannot guarantee the security of electronic communications or transmissions made over the Internet.
Stride makes no representations whatsoever about any other website that you may access through the Services. When you access a third-party website, please understand that it is independent from Stride and that Stride has no control over the content on that website. In addition, a link to a third-party website does not mean that Stride endorses or accepts any responsibility for the content, or the use, of the linked website. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature. If you decide to access any of the third-party websites linked to the Services, you do this entirely at your own risk.
Liability Release
YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER WE NOR OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, CONTRACTORS, AFFILIATES OR PARTNERS (“STRIDE PARTIES”) SHALL BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES UNDER ANY LEGAL THEORY, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF STRIDE PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; OR (v) ANY OTHER MATTER RELATING TO OUR SERVICES.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:
YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES AND ANY SERVICES IN CONNECTION THEREWITH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
IF YOUR ACTIONS RESULT IN OUR LIABILITY TO OTHERS, YOU ARE RESPONSIBLE FOR COVERING COSTS THAT RESULT FROM THE LIABILITY YOU CREATED. YOU AGREE TO INDEMNIFY AND HOLD HARMLESS STRIDE PARTIES FROM AND AGAINST ANY THIRD PARTY CLAIM ARISING FROM OR IN ANY WAY RELATED TO YOUR USE OF THE SERVICES OR OUR SERVICES, VIOLATION OF THESE TERMS OR ANY OTHER ACTIONS CONNECTED WITH YOUR USE OF THE SERVICES OR SERVICES PURCHASED THERE, INCLUDING ANY LIABILITY OR EXPENSE ARISING FROM ALL CLAIMS, LOSSES, DAMAGES (ACTUAL AND CONSEQUENTIAL), SUITS, JUDGMENTS, LITIGATION COSTS AND ATTORNEYS' FEES, OF EVERY KIND AND NATURE. IN SUCH A CASE, WE WILL PROVIDE YOU WITH WRITTEN NOTICE OF SUCH CLAIM, SUIT OR ACTION IF PRACTICABLE.
IN ADDITION, IF YOU BRING A LAWSUIT OR MOTION (INCLUDING CLAIMS IN ARBITRATION) AGAINST US IN WHICH WE ULTIMATELY PREVAIL, YOU AGREE YOU WILL BE RESPONSIBLE FOR PAYING ANY ATTORNEY’S FEES AND COSTS WE INCURRED AS A RESULT OF YOUR CLAIMS.
Warranty Limitations
STRIDE PARTIES DO NOT WARRANT THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM STRIDE PARTIES OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.
EXCLUSIONS. NOTHING IN THESE TERMS IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE ABOVE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
YOU AGREE THAT, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THE TERMS, THERE SHALL BE NO THIRD-PARTY BENEFICIARIES TO THESE TERMS.
Arbitration
PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
WE ARE NOT RESPONSIBLE FOR, AND HAVE NO OBLIGATION TO RESOLVE, ANY DISPUTE BETWEEN YOU AND ANY THIRD PARTY – EVEN IF YOUR RELATIONSHIP TO THAT PARTY STARTED ON THE SERVICES.
IF YOU (USER) HAVE A DISPUTE WITH US (STRIDE), YOU AGREE THAT WE WILL FIRST ATTEMPT TO RESOLVE THAT DISPUTE INFORMALLY THROUGH AN IN-PERSON, PHONE, AND/OR EMAIL EXCHANGE OVER A PERIOD OF AT LEAST THIRTY (30) DAYS. YOU CAN INFORM US OF YOUR DISPUTE BY EMAILING US AT SUPPORT@STRIDEHEALTH.COM.
YOU AND STRIDE FURTHER AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED IN THEIR INDIVIDUAL CAPACITIES ONLY AND NOT AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION, AND THE PARTIES EXPRESSLY WAIVE THEIR RIGHT TO FILE A CLASS ACTION OR SEEK RELIEF ON A CLASS BASIS. YOU AND STRIDE 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. IF ANY COURT OR ARBITRATOR DETERMINES THAT THE CLASS ACTION WAIVER SET FORTH IN THIS PARAGRAPH IS VOID OR UNENFORCEABLE FOR ANY REASON OR THAT AN ARBITRATION CAN PROCEED ON A CLASS BASIS, THEN THE ARBITRATION PROVISION SET FORTH ABOVE SHALL BE DEEMED NULL AND VOID IN ITS ENTIRETY AND THE PARTIES SHALL BE DEEMED TO HAVE NOT AGREED TO ARBITRATE DISPUTES.
30-DAY RIGHT TO OPT OUT YOU HAVE THE RIGHT TO OPT-OUT AND NOT BE BOUND BY THE ARBITRATION AND CLASS ACTION WAIVER PROVISIONS SET FORTH HEREIN BY SENDING WRITTEN NOTICE OF YOUR DECISION TO OPT-OUT TO THE FOLLOWING ADDRESS: STRIDE HEALTH, INC. ATTN: CLASS OPT-OUT, 548 MARKET STREET, PM 70921, SAN FRANCISCO, CA, 94104. THE NOTICE MUST BE SENT WITHIN 30 DAYS YOUR FIRST USE OF THE SERVICES OTHERWISE YOU SHALL BE BOUND TO ARBITRATE DISPUTES IN ACCORDANCE WITH THE TERMS OF THOSE PARAGRAPHS. IF YOU OPT-OUT OF THESE ARBITRATION PROVISIONS, STRIDE ALSO WILL NOT BE BOUND BY THEM.
IN THE UNFORTUNATE CASE THAT OUR INFORMAL DISCUSSION IS NOT SUFFICIENT TO RESOLVE THE DISPUTE, ANY CONTINUING DISPUTE ARISING FROM OR RELATING TO THE SUBJECT MATTER OF THESE TERMS SHALL BE FINALLY SETTLED BY ARBITRATION (1) IN SAN FRANCISCO, CALIFORNIA, (2) USING THE ENGLISH LANGUAGE IN ACCORDANCE WITH THE COMMERCIAL ARBITRATION RULES AND PROCEDURES OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) THEN IN EFFECT, (3) BY ONE COMMERCIAL ARBITRATOR WITH SUBSTANTIAL EXPERIENCE IN RESOLVING INTELLECTUAL PROPERTY AND COMMERCIAL CONTRACT DISPUTES, WHO SHALL BE SELECTED FROM THE APPROPRIATE LIST OF AAA ARBITRATORS IN ACCORDANCE WITH THE ARBITRATION RULES AND PROCEDURES OF AAA. THE PREVAILING PARTY IN ANY ARBITRATION OR OTHER PROCEEDING ARISING UNDER THIS AGREEMENT SHALL BE ENTITLED TO RECEIVE REIMBURSEMENT OF ITS REASONABLE EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES, EXPERT WITNESS FEES AND ALL OTHER EXPENSES) INCURRED IN CONNECTION THEREWITH. JUDGMENT UPON THE AWARD SO RENDERED MAY BE ENTERED IN A COURT HAVING JURISDICTION OR APPLICATION MAY BE MADE TO SUCH COURT FOR JUDICIAL ACCEPTANCE OF ANY AWARD AND AN ORDER OF ENFORCEMENT, AS THE CASE MAY BE. NOTWITHSTANDING THE FOREGOING, EACH PARTY SHALL HAVE THE RIGHT TO INSTITUTE AN ACTION IN A COURT OF PROPER JURISDICTION FOR INJUNCTIVE OR OTHER EQUITABLE RELIEF PENDING A FINAL DECISION BY THE ARBITRATOR. FOR ALL PURPOSES OF THESE TERMS, THE PARTIES CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE UNITED STATES FEDERAL COURTS OR STATE COURTS LOCATED IN THE NORTHERN DISTRICT OF CALIFORNIA. USE OF THE SERVICES IS NOT AUTHORIZED IN ANY JURISDICTION THAT DOES NOT GIVE EFFECT TO ALL PROVISIONS OF THE AGREEMENT, INCLUDING WITHOUT LIMITATION, THIS SECTION. YOU AND STRIDE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES (INCLUDING, BUT NOT LIMITED TO, ANY SERVICES PROVIDED OR MADE AVAILABLE THEREIN) OR THESE TERMS MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE; OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
JUST A LITTLE MORE LEGALESE…
ENTIRE AGREEMENT. THESE TERMS (INCLUDING ANY POLICIES, GUIDELINES OR AMENDMENTS THAT MAY BE PRESENTED TO YOUR FROM TIME TO TIME) CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND US AND GOVERN YOUR USE OF OUR SERVICES, SUPERSEDING ANY PRIOR AGREEMENTS BETWEEN US. YOU ALSO MAY BE SUBJECT TO ADDITIONAL TERMS AND CONDITIONS THAT MAY APPLY WHEN YOU USE OR PURCHASE OTHER SERVICES FROM US, AFFILIATE SERVICES, THIRD-PARTY CONTENT OR THIRD-PARTY SOFTWARE. CHOICE OF LAW AND FORUM. SUBJECT TO THE ARBITRATION PROVISIONS ABOVE, THE TERMS AND THE RELATIONSHIP BETWEEN YOU AND STRIDE SHALL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE WITHOUT REGARD TO ITS CONFLICT OF LAW PROVISIONS. YOU AND STRIDE AGREE TO SUBMIT TO THE PERSONAL AND EXCLUSIVE JURISDICTION OF THE COURTS LOCATED WITHIN THE COUNTY OF SAN FRANCISCO, CALIFORNIA. WAIVER AND SEVERABILITY OF TERMS. THE FAILURE OF STRIDE TO EXERCISE OR ENFORCE ANY RIGHT OR PROVISION OF THE TERMS SHALL NOT CONSTITUTE A WAIVER OF SUCH RIGHT OR PROVISION. IF ANY PROVISION OF THE TERMS IS FOUND BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, THE PARTIES NEVERTHELESS AGREE THAT THE COURT SHOULD ENDEAVOR TO GIVE EFFECT TO THE PARTIES' INTENTIONS AS REFLECTED IN THE PROVISION, AND THE OTHER PROVISIONS OF THE TERMS REMAIN IN FULL FORCE AND EFFECT. THE SECTION HEADINGS IN THE TERMS ARE FOR CONVENIENCE ONLY AND HAVE NO LEGAL OR CONTRACTUAL EFFECT. AS USED IN THESE TERMS, THE TERM “INCLUDING” SHALL MEAN “INCLUDING WITHOUT LIMITATION.” © STRIDE HEALTH, INC. 2016