Terms & Conditions

1. Acceptance of Terms

Welcome to Stellar Health Nation. By accessing or using our website, mobile platforms, newsletters, or healthcare services (collectively, the "Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, please discontinue use of our Services immediately.

These Terms constitute a legally binding agreement between you ("Client," "you," or "your") and Stellar Health Nation ("Company," "we," "us," or "our"), a health and wellness management company headquartered at 716 Oak St, New Boston, Illinois 61272, USA.

2. Description of Services

Stellar Health Nation provides premium home health and wellness management services across the United States, including but not limited to:

• General Healthcare and preventive medicine
• Dental Care
• Wellness, Nutrition & Weight Loss programs
• Hair & Skin Treatment
• Joint/Bone Health services
• Cardio Health management
• Men & Women Healthcare
• Memory & Neuro Healthcare
• Health Insurance coordination
• Telehealth consultations and in-home visits

Specific service availability may vary by location. We reserve the right to modify, suspend, or discontinue any service at any time without prior notice, except as required by law.

3. Eligibility & Account Registration

You must be at least 18 years of age to register for an account and engage our services directly. For minors, a parent or legal guardian must complete the registration process and provide consent.

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

4. Appointments, Cancellations & Refunds

4.1 Scheduling

Appointments are subject to availability. We strive to accommodate preferred dates and times but cannot guarantee specific scheduling requests.

4.2 Cancellations

You may cancel or reschedule an appointment with at least 24 hours' notice at no charge. Cancellations within 24 hours of the scheduled appointment may incur a fee equal to 50% of the service cost. No-shows will be charged the full service amount.

4.3 Refund Policy

We offer a 14-day satisfaction guarantee on all monthly subscription plans. If you are unsatisfied within 14 days of your initial subscription, you may request a full refund. After 14 days, monthly fees are non-refundable, though you may cancel future billing at any time. One-time service fees are refundable only if the service has not yet been rendered.

5. Payment, Billing & Insurance

5.1 Subscription Billing

Subscription plans are billed monthly in advance to the payment method on file. You authorize us to charge recurring fees until you cancel. Pricing is subject to change with 30 days' prior notice.

5.2 Insurance Coordination

We coordinate with major insurance carriers, but we are not responsible for coverage determinations made by your insurer. You are ultimately responsible for any co-pays, deductibles, or non-covered services. We will verify benefits before service when possible.

5.3 Late Payments

Invoices are due within 30 days of issuance. Unpaid balances may accrue interest at 1.5% per month and may be referred to collections after 90 days.

6. Client Responsibilities

To ensure safe and effective care, you agree to:

• Provide complete and accurate medical history, including medications, allergies, and prior treatments
• Follow your care plan as prescribed and communicate any difficulties or side effects
• Attend scheduled appointments or provide timely notice of cancellation
• Treat our staff with respect; abusive or threatening behavior may result in service termination
• Maintain a safe environment for in-home visits
• Inform us of any changes to your contact, insurance, or emergency information

7. Not a Substitute for Emergency Care

Stellar Health Nation's services are not intended for medical emergencies. If you experience a life-threatening condition — including but not limited to chest pain, difficulty breathing, severe bleeding, loss of consciousness, or suspected stroke — call 911 or go to the nearest emergency room immediately. Do not attempt to contact us in lieu of emergency services.

8. Intellectual Property

All content on our website and Services — including text, graphics, logos, images, software, and design elements — is the property of Stellar Health Nation or its licensors and is protected by U.S. and international copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent. Trademarks, service marks, and logos may not be used without permission.

9. User-Generated Content

If you submit reviews, testimonials, or feedback to our platforms, you grant us a non-exclusive, royalty-free, perpetual, transferable, sublicensable license to use, reproduce, modify, and display such content for marketing and operational purposes. You represent that you own or have rights to submit such content and that it does not violate any third-party rights.

10. Prohibited Conduct

You agree not to:

• Use our Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems, accounts, or data
• Interfere with the proper functioning of our website or services
• Submit false or misleading information during registration or care
• Share account credentials or transfer your account to another person
• Scrape, copy, or redistribute our content without permission
• Use our services to harass, threaten, or harm our staff or other clients

Violations may result in immediate account termination and legal action where warranted.

11. Limitation of Liability

To the maximum extent permitted by law, Stellar Health Nation shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services, including but not limited to loss of profits, data, or goodwill.

Our total liability for any claim arising from these Terms or our Services shall not exceed the amount you paid us in the 12 months preceding the claim. This limitation applies even if we have been advised of the possibility of such damages.

We do not guarantee specific medical outcomes. Healthcare involves inherent risks, and results vary by individual. You engage our services voluntarily and assume responsibility for your health decisions in consultation with our practitioners.

12. Indemnification

You agree to indemnify, defend, and hold harmless Stellar Health Nation, its officers, directors, employees, contractors, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of our Services, your violation of these Terms, or your infringement of any third-party rights.

13. Termination

We may suspend or terminate your access to our Services at any time, with or without cause, and without prior notice. Upon termination, all subscriptions end, and any prepaid fees for services not yet rendered will be refunded proportionally. The provisions of these Terms that by their nature should survive termination shall continue in effect.

You may terminate your account at any time by contacting us. Termination does not relieve you of obligations for fees already accrued.

14. Dispute Resolution & Governing Law

These Terms shall be governed by the laws of the State of Illinois, without regard to conflict of law provisions. Any disputes arising from these Terms or our Services shall first be attempted through good-faith negotiation.

If unresolved within 60 days, disputes shall be submitted to binding arbitration in Mercer County, Illinois, under the rules of the American Arbitration Association. Class actions are waived to the maximum extent permitted by law. You waive any right to a jury trial.

15. Changes to Terms

We may update these Terms periodically. Material changes will be communicated via email to active clients and posted on our website with an updated "Last updated" date. Your continued use of our Services after changes constitutes acceptance of the revised Terms. If you disagree, you must discontinue use and contact us for termination.

16. Contact Information

For questions, concerns, or notices regarding these Terms, please contact:

• Stellar Health Nation — Legal Department
• 716 Oak St, New Boston, Illinois 61272, USA
• Phone: (563) 264-2443
• Email: info@stellarhealthnation.com

By using Stellar Health Nation's services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions in their entirety.