Welcome to JŪMA. These Terms of Service (“Terms”) form a binding agreement between you and JŪMA, Inc., a Delaware corporation with offices in California (“JŪMA,” “we,” “us,” or “our”), and govern your access to and use of the JŪMA platform, mobile and web applications, provider portal, APIs, and related services (collectively, the “Services”).
JŪMA is a financial-technology platform for cash-pay healthcare. Our Services are designed to help individuals (“Consumers”) discover, pay for, and keep records of cash-pay healthcare services, and to help licensed healthcare providers and clinics (“Providers”) accept cash payments, manage memberships, and connect with patients.
By creating an account, clicking “I agree,” or otherwise accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.
IMPORTANT — ARBITRATION & CLASS-ACTION WAIVER: Section 18 contains a binding arbitration agreement and a waiver of your right to participate in class actions. Please read it carefully.
To create an Account or use the Services, you must:
Parents or legal guardians may use the Services to manage cash-pay healthcare for minor dependents, subject to additional terms presented during account setup. Providers must additionally satisfy the requirements in Section 8.
You agree to provide accurate, current, and complete information when creating your Account, and to update that information as needed to keep it accurate. You are responsible for all activity that occurs under your Account.
You must safeguard your login credentials, biometric authenticators, and any one-time passcodes. You agree to notify JŪMA immediately at security@getjuma.com of any unauthorized access or suspected breach. JŪMA is not liable for losses caused by unauthorized account access that resulted from your failure to maintain reasonable security.
You may not maintain more than one Consumer Account or share your Account with any other person. Each Provider entity must register a single Provider Account; authorized staff may be added as sub-users with role-based permissions.
JŪMA provides a technology platform that connects Consumers with Providers offering Cash-Pay Services. JŪMA itself is not a healthcare provider, health insurer, health plan, pharmacy, pharmacy benefit manager, HSA/FSA administrator, or licensed financial institution. Nothing on the Services constitutes medical, financial, tax, or legal advice.
JŪMA may modify, suspend, or discontinue any feature of the Services at any time, in whole or in part, with or without notice. We will use commercially reasonable efforts to communicate material changes in advance.
Not Medical Advice. Information made available through the Services, including Provider listings, service descriptions, prices, reviews, and patient education content, is provided for informational purposes only and is not a substitute for the professional judgment of a licensed healthcare provider. Always seek the advice of a qualified healthcare provider with any questions regarding your medical condition. Never disregard professional medical advice or delay seeking it because of something you read on the Services.
Not Insurance. JŪMA is not health insurance and does not provide coverage or reimbursement for medical services. Memberships, pre-paid bundles, and cash discounts offered by Providers through the Services are not insurance products and are not regulated as such.
Emergencies. The Services are not designed for emergencies. If you believe you are experiencing a medical emergency, call 911 or go to the nearest emergency room immediately.
Through the Healthcare Wallet, Consumers may discover Providers, purchase eligible Cash-Pay Services, and store payment records. The contract for the underlying healthcare service is between the Consumer and the Provider; JŪMA is not a party to that contract.
By initiating a Transaction, you authorize JŪMA, through its payment processor Stripe, Inc., to charge your selected payment method for the full amount due, including any applicable taxes, platform fees, and processing fees disclosed at checkout. You represent that you are authorized to use the payment method.
Some Provider offerings are subscription-based and renew automatically until cancelled. Cancellation and refund policies for subscription products are set by the Provider and disclosed at the point of purchase.
Refund eligibility for any Cash-Pay Service is determined by the Provider’s published refund policy. JŪMA will facilitate communication and, where appropriate, payment reversal between Consumer and Provider, but is not obligated to issue refunds for services rendered by a Provider. Consumers must initiate refund requests within thirty (30) days of the Transaction or as otherwise specified in the Provider’s policy.
To register as a Provider, you must be (a) a licensed healthcare practitioner in good standing in the U.S. state(s) where you offer services, or (b) a healthcare clinic, dental practice, mental-health practice, veterinary practice, or related entity duly organized and authorized to deliver the services you list. You must maintain all required licenses, registrations, malpractice insurance, and DEA registrations (where applicable) throughout your use of the Services.
You are solely responsible for the accuracy of your Provider profile, service descriptions, prices, and all Content you upload. Listings must comply with applicable federal and state advertising rules, including but not limited to FTC truth-in-advertising standards and state board regulations for licensed professionals.
Providers agree to JŪMA’s then-current fee schedule, which may include transaction fees, subscription fees, lead-generation fees, or platform fees. The fee schedule is presented in the Provider Portal at signup and may be updated with at least thirty (30) days’ written notice. Continued use of the Services after the effective date constitutes acceptance.
Providers acknowledge that they are “Covered Entities” under the Health Insurance Portability and Accountability Act (“HIPAA”), and that JŪMA may act as a “Business Associate” with respect to certain Provider activities on the Services. The parties will execute a separate Business Associate Agreement (“BAA”) prior to the transmission of any Protected Health Information (“PHI”) through the Services. Providers will not transmit PHI through the Services until a BAA is in place.
Providers are solely responsible for the medical, dental, mental-health, veterinary, or other professional services they deliver, including obtaining informed consent, maintaining medical records, and complying with the applicable standard of care. JŪMA does not direct, control, or supervise clinical decision-making.
Payments on the Services are processed by Stripe, Inc. under Stripe’s Services Agreement and Connected Account Agreement, which Consumers and Providers also agree to by transacting on the Services. JŪMA does not store full payment-card numbers on its own systems.
All Transactions are denominated in U.S. dollars. Providers are solely responsible for determining and remitting any applicable sales, use, or other taxes on the services they sell.
If a Consumer initiates a chargeback or payment dispute with their card issuer, JŪMA may withhold the disputed amount from the Provider pending resolution. Repeated or abusive chargebacks may result in Account suspension.
Promotional credits, referral bonuses, and Founding 100 incentives have no cash value, may not be transferred or resold, and may be modified or revoked by JŪMA in its reasonable discretion.
Your use of the Services is also governed by the JŪMA Privacy Policy, available at [getjuma.com/privacy], which describes how we collect, use, share, and protect personal information. For Providers, please also refer to the BAA executed at onboarding.
JŪMA implements administrative, physical, and technical safeguards designed to protect personal information, including HIPAA-required safeguards for PHI. However, no system is perfectly secure, and you transmit information to the Services at your own risk.
You retain ownership of the Content you submit to the Services. You grant JŪMA a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, adapt, and distribute your Content solely as needed to operate, improve, and promote the Services, subject to the Privacy Policy and any applicable BAA.
You represent that you have all necessary rights to grant this license and that your Content does not infringe the rights of any third party, defame any person, or violate any law.
You agree not to, and not to attempt to:
The Services integrate with or rely on third-party providers, including but not limited to Stripe, Inc. (payments), Twilio Inc. (SMS), and HubSpot, Inc. (CRM and customer communications). Your use of those services may be subject to the third parties’ own terms. JŪMA is not responsible for the acts or omissions of any third party.
The Services, including all software, content, designs, trademarks, and the name “JŪMA,” are owned by JŪMA, Inc. or its licensors and are protected by U.S. and international intellectual-property laws. Except for the limited license expressly granted to you in these Terms, no rights in the Services are transferred to you.
Certain features of the Services may be designated as “beta,” “preview,” or “early access.” Such features are provided AS IS, may contain errors, and may be modified or withdrawn at any time. Pricing, fees, and service availability during the beta period are subject to change.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. JŪMA DOES NOT WARRANT THE QUALITY, SAFETY, OR LEGALITY OF ANY CASH-PAY SERVICE OFFERED BY A PROVIDER.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, JŪMA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. JŪMA’S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO JŪMA IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.
Before filing any formal claim, the parties agree to attempt in good faith to resolve any dispute by contacting legal@getjuma.com and engaging in informal negotiations for at least sixty (60) days.
If the dispute is not resolved informally, you and JŪMA agree that any claim arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by JAMS under its Streamlined Arbitration Rules, by a single arbitrator, in San Francisco, California, in the English language. Judgment on the award may be entered in any court of competent jurisdiction.
You and JŪMA 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, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims of more than one person.
Either party may bring an action in small-claims court for claims within its jurisdiction or seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
You may opt out of this arbitration agreement by sending written notice to legal@getjuma.com within thirty (30) days of first accepting these Terms. Opting out will not affect the other provisions of these Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Subject to Section 18, the state and federal courts located in San Francisco County, California, will have exclusive jurisdiction over any matter not subject to arbitration.
You agree to indemnify, defend, and hold harmless JŪMA, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; and (d) for Providers, the healthcare or related services you deliver to your patients.
You may close your Account at any time through your Account settings or by contacting support@getjuma.com. JŪMA may suspend or terminate your access to all or part of the Services, with or without notice, for any reason, including suspected violation of these Terms, fraud, risk to other users, or extended inactivity. Sections that by their nature should survive termination (including Sections 10, 11, 14, 16–20, and 22) will so survive.
We may update these Terms from time to time. If we make material changes, we will notify you by email, in-app notice, or by posting an updated effective date at the top of these Terms at least fifteen (15) days before the changes take effect. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services and close your Account.
These Terms, together with the Privacy Policy and any BAA, fee schedule, or Provider Agreement referenced herein, constitute the entire agreement between you and JŪMA with respect to the Services.
If any provision of these Terms is held to be unenforceable, that provision will be modified to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
You may not assign these Terms without our prior written consent. JŪMA may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
Our failure to enforce any provision of these Terms will not constitute a waiver of that provision.
JŪMA will not be liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, war, terrorism, public-health emergencies, internet outages, or supplier failures.
Legal notices to JŪMA must be sent to legal@getjuma.com with a copy by mail to: JŪMA, Inc., 15389 Canon Lane, Chino hills CA 91709. Notices to you may be delivered by email to the address on file for your Account or by in-app notification.
Questions about these Terms or the Services? Contact us at:
legal@getjuma.com
