Patient Commitment & Working Agreement

Our Commitment to You

We are committed to providing compassionate, respectful, and transparent patient advocacy. Our role is to help you navigate the healthcare system, coordinate care, and support informed decision-making within the limits of digital and telephonic services. Your participation in advocacy is always voluntary. If at any point you feel our services are no longer helpful or aligned with your needs, you may choose to pause or end services.

What We Ask of You

By working with our advocacy team, you agree to:

1. Honest & Accurate Communication

  • Provide truthful and complete information
  • Avoid intentionally misleading advocates or care teams

2. Respectful Interaction

  • Communicate without verbal abuse, threats, or intimidation
  • Treat advocates as partners and professionals

3. Reasonable Engagement

  • Make reasonable efforts to attend scheduled appointments
  • Notify us if you cannot attend or need changes
  • Understand that advocates support multiple patients and rely on scheduled time to complete work

4. Participation in Agreed-Upon Plans

  • Make a good-faith effort to follow agreed-upon care plans
  • Share concerns or barriers openly so plans can be adjusted

5. Understanding Our Role & Limits

  • Recognize that advocates are not emergency responders, legal representatives, or enforcement agents
  • Understand that some situations require in-person or local support beyond our scope

When This Agreement Is Not Met

If these expectations are repeatedly not met, or if advocacy services are no longer effective or appropriate, services may be paused or discontinued. This decision is made thoughtfully and with the goal of directing you to care that better fits your needs.

Terms of Service

Last Updated: November 1, 2025

Company: Amma Inc., a Delaware corporation ("Amma," "we," "us," or "our")

Contact: legal@withamma.co

1. Acceptance of Terms

By accessing or using Amma's website, platform, or related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy / HIPAA Notice. If you do not agree, you may not use the Services.

These Terms form a legally binding agreement between you and Amma.

2. Scope of Services and Non-Medical Nature

Amma provides AI-assisted patient advocacy and care-navigation to help individuals and caregivers manage healthcare logistics, appointments, insurance, and administrative tasks.

Our Services are not medical care and do not provide diagnosis, treatment, or prescriptions. No advocate, AI output, or communication from Amma should be taken as medical advice. Always consult a qualified healthcare professional regarding any medical condition.

If you believe you are experiencing a medical emergency, call 911 immediately.

3. User Eligibility and Caregiver Authorization

You must be 18 years or older to use our Services.

If you are using the Services on behalf of another adult (for example, an aging parent), you represent that you have appropriate authorization or legal authority to do so and will provide documentation if requested. Amma reserves the right to verify caregiver authorization before granting access or sharing information.

4. Account Registration and Responsibilities

You may be required to create an account and provide accurate, complete, and current information.

You are responsible for:

  • maintaining confidentiality of login credentials,
  • all activity under your account, and
  • promptly updating information if it changes.

You must not share your account except with authorized caregivers as permitted under Section 3.

5. AI and Automation Disclosure

Amma uses automated systems and artificial-intelligence tools to assist human advocates in generating educational, administrative, and navigation guidance.

AI-generated outputs are provided for informational purposes only and may occasionally contain inaccuracies. By using the Services, you acknowledge and accept automated processing as part of our operations.

6. Data Privacy and HIPAA Compliance

Amma respects your privacy and complies with applicable U.S. health-information laws, including the Health Insurance Portability and Accountability Act (HIPAA) where applicable.

We act as a Business Associate when handling Protected Health Information (PHI) on behalf of covered entities and maintain appropriate safeguards.

Our Privacy Policy / HIPAA Notice describes how we collect, use, and disclose your information.

We may use de-identified or aggregated data to improve our AI systems, analytics, and quality of service. PHI is never used for AI training without explicit authorization.

7. Payment, Refunds, and Cancellations

Depending on the program, you may pay Amma directly or through third-party payers such as Medicare, insurers, or employer partners.

  • Direct Payments: Fees and billing terms will be presented at checkout. By submitting payment information, you authorize Amma (and its payment processors) to charge all applicable amounts.
  • Insurance Billing: Coverage is not guaranteed. You remain responsible for any balance not covered by your insurer.
  • Refunds/Cancellations: Subscriptions or service fees are refundable only if expressly stated at purchase or as required by law. You may cancel recurring services anytime by contacting support@withamma.co.

Amma may suspend or terminate access for unpaid balances or suspected misuse.

8. Acceptable Use and Prohibited Activities

You agree NOT to:

  • violate any law or regulation;
  • attempt to gain unauthorized access to the Services or other accounts;
  • upload malware or harmful code;
  • use automated scraping or data-harvesting tools;
  • misrepresent identity or authorization;
  • interfere with network operation or security.

Amma may suspend or terminate accounts violating this section.

9. Intellectual Property

All content, software, logos, trademarks, text, and graphics are owned or licensed by Amma Inc. and protected by intellectual-property laws. You are granted a limited, revocable, non-transferable license to access and use the Services for personal, non-commercial purposes. You may not copy, distribute, reverse-engineer, or create derivative works without prior written consent.

10. Third-Party Links and Integrations

The Services may contain links or integrations with third-party sites (e.g., scheduling, payments, or teleconferencing tools). Amma does not control or endorse those third parties and is not responsible for their content, privacy practices, or services. Use them at your own discretion and subject to their own terms.

11. Service Modifications and Availability

Amma may change, suspend, or discontinue any aspect of the Services at any time without notice. We strive for high uptime but do not guarantee uninterrupted access. We are not liable for delays or failures caused by events outside our control.

12. Termination

You may terminate your account at any time by notifying Amma at support@withamma.co.

We may terminate or suspend your account immediately if you breach these Terms, engage in misuse, or as required by law. Upon termination, rights granted to you under these Terms cease immediately.

13. Disclaimers and Limitation of Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMMA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT WILL AMMA OR ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF (1) AMOUNTS PAID BY YOU TO AMMA IN THE PAST SIX MONTHS OR (2) $100.

14. Indemnification

You agree to indemnify and hold harmless Amma Inc., its officers, employees, and agents from and against any claims, damages, liabilities, and expenses arising out of your use of the Services or violation of these Terms.

15. Communications and Consent to Electronic Contact

By providing contact information, you consent to receive emails, texts, calls, and notifications (including via automated systems) related to your account or Services.

You can opt out of non-essential messages by following provided instructions (e.g., replying STOP to texts). Electronic communications satisfy any legal requirement for written notice.

16. Governing Law and Dispute Resolution

These Terms and any dispute arising from them are governed by the laws of the State of New York, without regard to conflicts of law.

Binding Arbitration: Except where prohibited by law, disputes will be resolved by confidential, binding arbitration under the American Arbitration Association rules in New York County, NY. You and Amma waive any right to a jury trial or to participate in a class or representative action. Either party may bring an individual claim in small-claims court instead of arbitration if within jurisdictional limits.

17. Miscellaneous

  • Entire Agreement: These Terms and the linked Privacy Policy constitute the full agreement between you and Amma.
  • Severability: If any provision is invalid, the remaining provisions remain enforceable.
  • Assignment: Amma may assign these Terms without notice. You may not assign without our consent.
  • Waiver: Failure to enforce a provision is not a waiver of rights.
  • Updates: Amma may modify these Terms; updated versions become effective when posted. Continued use after posting means acceptance.

Questions

If you have questions about these Terms or our Services, please contact legal@withamma.co.

Notice of Privacy & Assignment of Benefits

Amma provides its services directly and may partner with Cloud Medical Group to bill insurance for such services.

Notice of Privacy Practices

This notice describes how medical information about you (or the patient for whom you are a parent or authorized guardian) may be used and disclosed, and how you can get access to this information. Please review it carefully.

Who Will Follow This Notice

This notice describes BRDG, Inc.'s privacy practices and those of its affiliates, including Cloud Health Medical Group, P.A., Cloud Health Medical Group of Kansas, P.A., Cloud Health Medical Group of California, P.C., and Cloud Health Medical Group of New Jersey, their physicians, other healthcare practitioners, and other personnel (collectively, "Bridge," "we," or "us").

Our Pledge Regarding Medical Information

We understand that medical information about you and your health is personal and we are committed to protecting it. We create a record of the care and services you receive at Bridge. We need this record to provide you with quality care and to comply with certain legal requirements. This notice is required by law and applies to all records of your care generated by us.

This notice will tell you about the ways in which we may use and disclose medical information about you. We also describe your rights and certain obligations we have regarding the use and disclosure of medical information.

We are required by law to:

  • Ensure that medical information that identifies you is kept private (with certain exceptions);
  • Give you this notice of our legal duties and privacy practices with respect to medical information about you;
  • Follow the terms of the notice that is currently in effect; and
  • Promptly notify you if a breach occurs that may have compromised the privacy or security of your information.

Note for Parents and Authorized Guardians: Where a parent or authorized guardian has signed consent on behalf of a patient, references to "you" throughout this notice apply to the patient. The parent or authorized guardian has the right to exercise the rights described herein on the patient's behalf to the extent permitted by applicable law.

How We May Use and Disclose Medical Information About You

The following categories describe different ways that we use and disclose medical information. For each category, we will explain what we mean. Not every use or disclosure in a category will be listed; however, all ways we are permitted to use and disclose information will fall within one of these categories.

For Treatment

We may use medical information about you to provide you with medical treatment or services. We may disclose medical information to doctors, nurses, technicians, or other Bridge personnel involved in providing Bridge's services. For example, Bridge personnel may discuss your prescription with your doctor to ensure we dispense the appropriate drug.

For Payment

We may use and disclose medical information to obtain payment for the services we provided to you. For example, we may need to give your health plan information about your appointment so your health plan will pay us.

For Healthcare Operations

We may use and disclose medical information about you for healthcare operations. These uses and disclosures are necessary to run Bridge and ensure that all patients receive quality care. For example, we may use medical information to review our treatment and services and to evaluate the performance of our staff in caring for you. We may also combine medical information with information from other providers to identify where we can make improvements in the care and services we offer. We may remove information that identifies you from this set of medical information so others may use it to study health care and delivery without learning who the specific patients are.

We may also use and disclose your medical information to other providers when necessary for them to treat you or receive payment for services they have rendered to you. Additionally, we may disclose your medical information in order to resolve any complaints you may have.

To You

We may use and disclose medical information to contact you as a reminder that you have an upcoming refill.

We may use and disclose medical information to tell you about or recommend possible treatment options or alternatives that may be of interest to you.

We may use and disclose medical information to tell you about our health-related products or services that may be of interest to you.

We have the right to use medical information about you to contact you in an effort to encourage you to purchase or use a health care-related product or service from us. If we receive any direct or indirect payment for making such a communication, however, we would need your prior written permission to contact you. The only exceptions are when our communication (i) describes only a drug or medication currently being prescribed for you and our payment for the communication is reasonable in amount, or (ii) is made by one of our business partners consistent with our written agreement with them.

Individuals Involved in Your Care

We may release medical information about you to a friend or family member who is involved in your medical care, provided we (a) obtain your consent, (b) provide you an opportunity to object and you do not object, or (c) can make a reasonable inference that you do not object. We may also give information to someone who helps pay for your care.

Unless there is a specific written request to the contrary, we may also tell your family or friends your condition and that you are a part of Bridge. In addition, we may disclose medical information about you to an entity assisting in a disaster relief effort so that your family can be notified about your condition, status, and location.

Research

Under certain circumstances, we may use and disclose medical information about you for research purposes. All research projects are subject to a special approval process. Before we use or disclose medical information for research, the project will have been approved through this process. We may, however, disclose medical information to people preparing to conduct a research project (for example, to help them look for patients with specific medical needs), so long as the medical information they review does not leave Bridge's possession. We will always ask for your specific permission if the researcher will have access to your name, address, or other information that reveals who you are.

To Avert a Serious Threat to Health or Safety

We may use and disclose medical information about you when necessary to prevent a serious threat to your health and safety or the health and safety of the public or another person. Any disclosure, however, would only be to someone able to help prevent the threat.

Limitation on the Use of PHI for Paid Marketing

We will, in accordance with federal and state laws, obtain your written authorization to use or disclose your PHI for marketing purposes (e.g., to use your photo in ads), but not for activities that constitute treatment or healthcare operations.

We will obtain your written authorization prior to using your PHI or making any treatment or healthcare recommendations, should financial remuneration from a third party be involved. We must clarify that financial remuneration does not include in-kind payments or payments to implement a disease management program. Any promotional gifts of nominal value are not subject to the authorization requirement.

The only exclusion to this is "refill reminders," so long as the remuneration for making such a communication is reasonably related to our cost for making it. Permissible reimbursable costs include labor, supplies, and postage. "Generic equivalents," "adherence to take medication as directed," and "self-administered drug or delivery system communications" are all considered to be "refill reminders."

Face-to-face marketing communications, such as sharing a written product brochure or pamphlet, are permissible under current HIPAA law.

Special Situations

Workers' Compensation

We may release medical information about you for workers' compensation or similar programs as required by state law. These programs provide benefits for work-related injuries or illness.

Public Health Risks

We may disclose medical information about you for public health activities, including:

  • To prevent or control disease, injury, or disability;
  • To report deaths;
  • To report the abuse or neglect of children, elders, and dependent adults;
  • To report reactions to medications or problems with products;
  • To notify people of recalls of products they may be using;
  • To notify a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition; and
  • To notify the appropriate government authority if we believe a patient has been the victim of abuse, neglect, or domestic violence. We will only make this disclosure if you agree or when required or authorized by law.
Health Oversight Activities

We may disclose medical information to a health oversight agency for activities authorized by law, including audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the healthcare system, government programs, and compliance with civil rights laws.

Lawsuits and Disputes

We may disclose medical information about you in response to a court or administrative order, or in response to a subpoena, discovery request, or other lawful process, but only if efforts have been made to notify you about the request or to obtain an order protecting the information requested.

Law Enforcement

We may release medical information to authorized law enforcement officials as required by law or due to a court order, grand jury, or administrative subpoena.

Coroners, Medical Examiners, and Funeral Directors

We may release medical information to a coroner, medical examiner, or funeral director as required by law.

Specialized Government Functions

We may disclose medical information about you to U.S. government entities with special functions, such as the military or Department of State, under certain circumstances when required by law.

Legal Requirement

We may release your medical information when required by law not specifically referenced in the preceding categories.

HIPAA Forms

If you would like us to share your Protected Health Information with anyone besides you, we will need you to complete and sign an Authorization for the Use/Disclosure of Health Information.

If you previously provided us with an Authorization and would like to revoke it, please complete and sign a Revocation of Authorization to Disclose Protected Health Information.

If you would like to request a copy of your medical records, please fill out and sign a Patient Request for Health Information.

Your Rights Regarding Medical Information About You

Right to Inspect and Copy

You have the right to inspect and copy medical information that may be used to make decisions about your care. Usually, this includes medical and billing records, but may not include some mental health information. If your medical information is maintained in an electronic health record, you may obtain an electronic copy and, if you choose, instruct us to transmit such copy directly to an entity or person you designate in a clear, conspicuous, and specific manner.

To inspect and copy your medical information, you must submit your request in writing to Bridge's Privacy Officer at the address listed at the end of this notice. An authorization form must be completed. We may charge a fee for the costs of copying, mailing, or other supplies associated with your request. Our fee for providing an electronic copy will not exceed our labor costs in responding to your request.

We may deny your request to inspect and copy in certain limited circumstances. If you are denied access, you may request that the denial be reviewed by another licensed health care professional chosen by Bridge. We will comply with the outcome of the review.

Right to Amend

If you feel that medical information we have about you is incorrect or incomplete, you may ask us to amend it. To request an amendment, you must submit your request in writing to Bridge's Privacy Officer, along with a reason supporting your request.

We will act on your request within 60 days (or 90 days if additional time is needed) and will inform you in writing as to whether the amendment will be made or denied. Even if we deny your request for amendment, you have the right to submit a written addendum of not more than 250 words regarding any item or statement in your record you believe is incomplete or incorrect.

Right to an Accounting of Disclosures

You have the right to request an "accounting of disclosures" — a list of disclosures we made of medical information about you other than for treatment, payment, and healthcare operations, and subject to other exceptions permitted by law. To request this list, you must submit a written request to Bridge's Privacy Officer specifying a time period of no more than six years. We will respond within 60 days (or 90 days if needed). The first list within a 12-month period is free; additional lists may incur a charge.

Right to Request Restrictions

You have the right to request a restriction or limitation on the medical information we use or disclose about you for treatment, payment, or healthcare operations, or to someone involved in your care. We are not required to agree to your request, except where the disclosure is to a health plan for payment or healthcare operation purposes and the medical information relates solely to a healthcare item or service for which you have paid out-of-pocket in full.

To request restrictions, you must submit a written request to Bridge's Privacy Officer specifying (1) what information you want to limit, (2) whether you want to limit our use, disclosure, or both, and (3) to whom you want the limits to apply.

Right to Request Confidential Communications

You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. To request confidential communications, you must make your request to Bridge's Privacy Officer. We will accommodate all reasonable requests. Your request must specify how or where you wish to be contacted.

Right to a Paper Copy of This Notice

You have the right to a paper copy of this notice at any time, even if you have agreed to receive it electronically. You may obtain a copy of this notice at our website or by contacting Bridge's Privacy Officer.

Complaints

If you believe your privacy rights have been violated, you may file a complaint with Bridge or with the Office of Civil Rights, U.S. Department of Health and Human Services. To file a complaint with Bridge, contact Bridge's Privacy Officer at the address listed below. All complaints must be submitted in writing. We will not retaliate against you if you file a complaint with us or the Director.

Other Uses of Medical Information Requiring Your Authorization

Other uses and disclosures of medical information not covered by this notice or applicable law will be made only with your written permission. If you provide us permission to use or disclose medical information about you, you may revoke that permission in writing at any time. Revoking permission will stop any further use or disclosure for the purposes covered by your written authorization, except where we have already acted in reliance on your permission.

Electronic Consent and Online Access

If you are a parent or authorized guardian who has signed this Notice or related consent forms on behalf of a patient online, your electronic acceptance of this Notice carries the same legal force and effect as a handwritten signature. By accepting this Notice electronically, you confirm that you have read and understood its contents, and that you are authorized to do so on the patient's behalf.

Changes to This Notice

We reserve the right to change our privacy practices and to make any such change applicable to the protected health information we obtained about you before the change. If a change in our practices is material, we will revise this Notice to reflect the change. We will post a copy of the current notice on www.cloudhealthmedicalgroup.com. You may also obtain any new notice by contacting the Privacy Officer.

Contact Information

Address all correspondence in writing to Bridge's Privacy Officer at:

Privacy Officer legal@usebridge.com

Updated: February 2026

Assignment of Benefits

Agreement to Pay

By signing below, I agree that:

  • The information I am giving you is correct.
  • Cloud Health Medical Group, P.A., Cloud Health Medical Group of California, P.C., Cloud Health Medical Group of New Jersey, P.A. and Cloud Health Medical Group of Kansas, P.C. (collectively “Cloud Health Medical”) and my doctor may release or share any information needed to process my claims, including with a division of state or local government authorized to reimburse my claims.
  • Cloud Health Medical and those providing my care shall be paid or assigned benefits on my behalf.
  • I will cooperate with and provide documentation to my insurance company or other third-party payer as needed to process my claims.
  • I am responsible for any costs not covered by my benefits, including non-covered services, deductibles, and co-insurance.

Assignment of Benefits

I request and agree that any benefits due me for my treatment by all insurance companies or other third-party payers responsible for my care shall be paid or assigned to Cloud Health Medical. This includes any insurance company settlements related to my treatment. If my insurance company or other payer will not pay Cloud Health Medical directly for my care and treatment at Cloud Health Medical, I will immediately forward payments I receive to Cloud Health Medical.

Non-covered Services

I understand that my insurance or payer may not cover all my costs. I agree that I am personally responsible for:

  • any costs not covered by my insurance or payer or that exceed my benefit limits, including, but not limited to:
    • self-administered medications (medicines you would normally take on your own)
    • certain durable medical equipment
    • certain medical supplies
  • services and supplies that my insurance or payer determines are experimental or investigational or are not covered for some other reason, or that are not medically necessary but that I want to receive.

CMS Governed Plans

If you are a beneficiary of a government health program, you agree that neither you, your healthcare provider, the affiliated physician practices, nor any of the healthcare organization(s) or provider(s) with whom we partner to provide healthcare and pharmacy services to you will submit a claim for reimbursement to any federal or state healthcare program except Medicare Advantage plans for the costs of the services and products provided to you through the Services. Submission of claims to Medicare Advantage plans is expressly permitted. All other government program claims (e.g., Medicare Part B (FFS), Medicaid, Tricare, Veterans Affairs) are strictly prohibited.

Guarantor Agreement

I understand and agree that:

  • I—or the person signing or guaranteeing payment for me (Guarantor)—am responsible for any charges not covered by my insurance, for any reason. Such charges are due when my treatment stops or I am discharged.
  • I can ask for an estimate of the charges based on the Cloud Health Medical pricelist (“chargemaster”) in effect at the time of service. This estimate may need to be prepared and mailed to me. It will only be an estimate. Actual costs may vary.
  • Cloud Health Medical may bill my insurance for me. But Cloud Health Medical may also ask me to pay in full in advance, unless Cloud Health Medical agrees with my insurance company or other payer not to do this.
  • I may be billed by Cloud Health Medical.
  • I am responsible for all charges and that this agreement covers all Cloud Health Medical accounts, including those for doctors, nurse practitioners, and physician assistants. Should my bill be sent for collection, I will pay any costs that may result, including attorney’s fees, court costs, and collection agency fees associated with the collection process.
    • Cloud Health Medical and its providers, affiliates, agents and contractors, including debt collectors, may call or text my cell or home phone using any type of artificial or pre-recorded voice or auto-dialer technology for any purpose, including billing and collections.
  • Cloud Health Medical may access my consumer credit report to help collect what I owe or to see if I am eligible for financial aid or charity care.