Terms of Service

Last updated: August 17, 2026

Please read these Terms of Service carefully before accessing or using the WellnessRated platform. By accessing or using the Platform, you agree to be bound by these Terms.

1. Definitions

The following terms, when capitalized, have the meanings set forth below. Additional defined terms may appear throughout these Terms.

“Aggregate Rating” means the mathematical average or other statistical summary of individual user-submitted Ratings for a particular Coach, calculated automatically from User-submitted inputs. Aggregate Ratings are not the product of editorial judgment, curation, or assessment by WellnessRated.

“Aggregated Data” means statistical or analytical information derived from Platform activity that has been processed to prevent identification of individual Users and that cannot reasonably be used to re-identify any specific person.

“Claimed Profile” means a Coach profile that has been claimed and is actively managed by the Coach or their authorized representative following the Platform's verification process.

“Coach” means any wellness professional, coach, trainer, instructor, program creator, course seller, community operator, or similar expert economy service provider whose profile appears on the Platform, whether or not that individual has claimed their profile or created an account.

“Coach Subscription Agreement” means the supplemental agreement governing the relationship between WellnessRated and Coaches who claim profiles or purchase Subscriptions, which supplements and is governed by these Terms.

“Community Guidelines” means the WellnessRated Community Guidelines published on the Platform and incorporated into these Terms by reference, which set forth content standards applicable to Reviews, Ratings, and other User-Generated Content.

“Consumer Health Data” means has the meaning assigned to that term under the Washington My Health My Data Act (RCW 19.373.005) and, as applicable, analogous state privacy laws. The term generally refers to personal information that is linked or reasonably linkable to a consumer and that identifies the consumer's past, present, or future physical or mental health status, including information inferred or derived from other data through automated means.

“Consumer Health Data Privacy Notice” means the standalone document published by WellnessRated describing its collection, use, and disclosure practices with respect to Consumer Health Data, as required by applicable state law.

“Content” means any information, text, images, video, audio, ratings, data, or other material submitted to, displayed on, or generated by the Platform.

“De-Identified Data” means information that has been processed to remove or obscure identifying information such that it cannot reasonably be used to identify a specific individual, consistent with applicable standards under applicable law, including the three-prong standard under the Washington My Health My Data Act where applicable.

“Merchant of Record” means the third-party payment processor authorized by WellnessRated to process subscription payments, collect and remit applicable taxes, issue invoices, and perform related billing functions on behalf of WellnessRated.

“Order Form” means a transactional document executed by a Coach specifying the applicable Subscription plan, pricing, and billing cycle, which is governed by the Coach Subscription Agreement.

“Platform” means the WellnessRated website, applications, software, and related online services operated by Wellness Rated, LLC.

“Platform-Created Content” means Content created by WellnessRated from publicly available sources, including profiles created for Coaches who have not claimed them. Platform-Created Content is distinct from User-Generated Content and is not subject to the publisher immunity available to WellnessRated under Section 230 of the Communications Decency Act.

“Rating” means a numerical or categorical score submitted by a User to evaluate a Coach or coaching service.

“Review” means any written assessment, comment, or other User-submitted Content evaluating or describing a Coach, coaching program, or coaching service.

“Subscription” means a paid plan that provides access to premium Platform features for a recurring billing period, as described on the Platform at the time of purchase.

“Unclaimed Profile” means a Coach profile created and maintained by WellnessRated based on publicly available information that has not been claimed by the Coach through the Platform's verification process.

“User” means any individual who accesses or uses the Platform, whether or not they have created an account, including reviewers, Coaches, and general visitors.

“User-Generated Content” means Content created and submitted to the Platform by Users, including Reviews, Ratings, comments, responses to Reviews, and uploaded media. User-Generated Content does not include Platform-Created Content.

“Verification” means the completion of the Platform's identity verification process for Claimed Profiles. Verification confirms completion of the Platform's identity authentication process and does not constitute endorsement, professional credentialing, background checking, or assessment of qualifications or service quality.

2. Acceptance of Terms

By accessing or using the Platform, you agree to be bound by these Terms of Service (“Terms”). These Terms apply to all Users, including individuals who view profiles or Reviews, submit Reviews, create accounts, claim or manage Coach profiles, or purchase Subscriptions.

These Terms constitute a legally binding agreement between you and Wellness Rated, LLC (“WellnessRated,” “we,” “us,” or “our”).

If you do not agree to these Terms, you must not access or use the Platform.

By accessing or using the Platform, you represent and warrant that:

1. you have the legal capacity to enter into a binding agreement;
2. you are at least 18 years of age;
3. your use of the Platform complies with all applicable laws; and
4. if you are accessing or using the Platform on behalf of a company or other entity, you have the authority to bind that entity to these Terms.

Your continued use of the Platform following any modification to these Terms constitutes acceptance of the updated Terms.

3. About the WellnessRated Platform

A. Platform Purpose and SaaS Nature

WellnessRated provides an online software platform that enables Users to view profiles and submit Reviews of wellness professionals and services. The Platform is a software-as-a-service (“SaaS”) review and reputation system. It allows Users to share opinions, experiences, and commentary about coaches and wellness services.

The Platform does not facilitate transactions between Coaches and clients, does not process payments for coaching services, and does not schedule appointments. WellnessRated is not a marketplace. Any engagement, agreement, or transaction between a User and a Coach occurs solely between those parties. WellnessRated is not a party to such relationships.

The Platform may display profiles for wellness professionals — including fitness coaches, life coaches, holistic practitioners, online educators, business mentors, community operators, and other expert economy professionals — using publicly available information, even if the professional has not registered for an account or claimed a profile. The presence of a profile does not constitute endorsement, certification, verification, or recommendation by WellnessRated.

WellnessRated does not provide coaching, training, medical advice, therapy, nutrition counseling, or any other professional services through the Platform.

B. Platform as Interactive Computer Service; Section 230

WellnessRated operates as an interactive computer service as defined under Section 230 of the Communications Decency Act (47 U.S.C. § 230). Under Section 230(c)(1), WellnessRated shall not be treated as the publisher or speaker of User-Generated Content submitted to the Platform. To the fullest extent permitted by law, WellnessRated shall not be liable for User-Generated Content submitted by Users.

This Section 230 protection applies only to User-Generated Content — Reviews, Ratings, comments, and other Content submitted by Users. It does not apply to Platform-Created Content, including profiles created by WellnessRated from publicly available information. WellnessRated is the information content provider for Platform-Created Content and accepts responsibility for that content subject to these Terms.

WellnessRated reserves the right to moderate, restrict, or remove Content in good faith pursuant to Section 230(c)(2) and these Terms without affecting its status as an interactive computer service.

Parental Controls Notice: In accordance with 47 U.S.C. § 230(d), WellnessRated informs Users that parental control protections — including hardware, software, or filtering services — are commercially available and may assist in limiting access to material that is harmful to minors. Information about such protections is available from resources including the Federal Trade Commission at ftc.gov.

C. Aggregate Ratings

Aggregate Ratings displayed on the Platform are calculated automatically as the mathematical average of individual user-submitted Ratings. Aggregate Ratings are not the product of editorial judgment, curation, or assessment by WellnessRated. WellnessRated does not modify, adjust, or editorially curate Aggregate Ratings. The Aggregate Rating for any Coach reflects only the mathematical output of User-submitted inputs.

D. Recommendation System and Algorithmic Ranking

The Platform uses automated systems and algorithms to organize, rank, and display profiles, Reviews, and other Content. Ranking and display decisions are made algorithmically and may be influenced by factors including profile completeness, review volume and recency, subscription status, engagement signals, and integrity indicators. Algorithmic ranking is not an editorial judgment regarding the quality, credibility, or fitness of any Coach.

WellnessRated makes no guarantee regarding the ranking, visibility, or discoverability of any profile. Paid Subscription features may influence how profiles are displayed within the Platform. The presence, absence, or placement of any profile in search results does not constitute endorsement, recommendation, or evaluation of quality by WellnessRated.

E. Platform Availability and Modifications

WellnessRated reserves the right to modify, update, suspend, or discontinue the Platform or any portion of its features at any time. The Platform may experience interruptions due to maintenance, system updates, third-party services, security events, or other circumstances beyond WellnessRated's control. WellnessRated does not guarantee uninterrupted or error-free operation of the Platform and shall not be liable for temporary outages, interruptions, or downtime.

F. Account Suspension or Termination

WellnessRated may, in its sole discretion, suspend, restrict, or terminate access to the Platform if a User violates these Terms, engages in fraudulent or deceptive conduct, attempts to manipulate Reviews or platform systems, or engages in abusive, unlawful, or harmful behavior. These actions may be taken with or without prior notice where appropriate.

Provisions that by their nature should survive termination — including content licenses, limitation of liability, indemnification, dispute resolution, and other protective provisions — remain in effect after termination.

4. Coach Profiles and Reviews

A. Platform-Created Profiles

WellnessRated may create and maintain profiles for wellness professionals using publicly available information, including websites, social media accounts, marketing materials, public directories, and other publicly accessible sources. Platform-created profiles may exist regardless of whether the professional has registered for an account or claimed a profile.

The existence of a profile does not imply endorsement, partnership, affiliation, verification, or approval by WellnessRated. Professionals do not have the right to require removal of a profile based on publicly available information, provided that the information is not unlawful or materially inaccurate.

Professionals may request correction of materially inaccurate factual information in a platform-created profile — such as an incorrect business location, wrong specialty, or misattributed services — by contacting support@wellnessrated.com. WellnessRated will review correction requests and, where a factual error is verified, will update the profile within a commercially reasonable time. This correction process does not apply to requests to remove a profile based on publicly available information or to suppress lawful Reviews, Ratings, or User commentary.

B. Claiming and Managing Profiles

Coaches may claim their profile on the Platform to manage publicly displayed information, respond to Reviews, and access available features. Claiming a profile does not grant ownership of the profile. Profiles remain part of the WellnessRated platform and public reputation system. WellnessRated may deny or revoke profile claims if verification requirements are not satisfied or if misuse is suspected.

Coaches who claim profiles or purchase Subscriptions are subject to the Coach Subscription Agreement in addition to these Terms. The Coach Subscription Agreement contains the full set of obligations applicable to Coaches who participate in the Platform as claimed profile holders or subscribers.

C. Review Authenticity Requirements

Reviews submitted to the Platform must reflect the reviewer's genuine experience or opinion regarding a Coach or coaching service and must be authored by the individual submitting them.

Users may not:

• submit fabricated, misleading, or deceptive Reviews;
• submit Reviews on behalf of another person or entity;
• submit multiple Reviews intended to manipulate ratings or platform visibility;
• submit Reviews in exchange for compensation, incentives, discounts, refunds, or other benefits unless clearly disclosed;
• misrepresent their relationship with the Coach or service being reviewed; or
• use automated systems, bots, scripts, large language models, or other AI-based tools to generate or substantially compose Review content.

Reviews must reflect the reviewer's genuine personal experience. Reviews generated primarily by automated or AI-based tools are prohibited.

D. Disclosure of Material Relationships

If a reviewer has any financial, professional, or personal relationship with a Coach — including employment, partnership, affiliate arrangement, or family relationship — that relationship must be clearly disclosed at the beginning of the Review using plain language (for example: “Disclosure: I am employed by this coach” or “Disclosure: I am a family member of this coach”). Failure to disclose material relationships may result in removal of the Review or other enforcement action.

E. Review Verification and Anti-Fraud Measures

WellnessRated may implement verification and moderation measures to maintain the integrity of Reviews, including email verification, pre- or post-publication moderation, pattern monitoring for manipulation indicators, and requests for additional verification where appropriate. WellnessRated does not guarantee that all Reviews are authentic, verified, or free from error.

F. Opinions and Responsibility for Reviews

Reviews reflect the opinions and experiences of individual Users. WellnessRated does not endorse, guarantee, or adopt the accuracy of User-submitted Reviews or Ratings. Users are solely responsible for the content of Reviews they submit. To the extent permitted by law, WellnessRated is not liable for statements, opinions, or representations made by Users in Reviews or other User-Generated Content.

G. Privacy Protection in Review Responses

Coaches responding to Reviews must respect User privacy. When responding to Reviews, Coaches must not disclose private client information, share confidential health or medical information, repost private messages or communications, reveal payment or financial details, share personal identifying information about a reviewer, or disclose information protected by privacy or confidentiality laws. Responses that violate these requirements may be edited, restricted, or removed and may result in account suspension or termination.

H. Limits of Verification and Platform Due Diligence

Unless explicitly stated otherwise on the Platform, WellnessRated does not conduct criminal background checks, insurance verification, professional licensing verification, or ongoing monitoring of professional qualifications. Users should not assume that a Coach has been fully vetted or verified unless explicitly stated on the Platform.

I. Fair Credit Reporting Act Disclaimer

WellnessRated is not a consumer reporting agency as defined by the Fair Credit Reporting Act (“FCRA”). Platform content may not be used for employment screening, housing decisions, credit eligibility, insurance eligibility, or other purposes governed by the FCRA.

J. Aggregated Data and Platform Analytics

WellnessRated may collect, analyze, and use Aggregated Data — including ratings trends, review activity, engagement metrics, and usage patterns — to develop analytics, industry insights, research reports, or other commercial products. Aggregated Data will not identify individual Users without consent.

K. Disputes Regarding Reviews

WellnessRated does not adjudicate factual disputes between reviewers and Coaches. Coaches who disagree with a Review are encouraged to respond publicly through the Platform's response tools to provide context or clarification. WellnessRated does not remove Reviews solely because a Coach disputes the accuracy of the reviewer's opinion or disagrees with the reviewer's account of their experience.

WellnessRated may review reports of Reviews that appear to be fraudulent, abusive, deceptive, or in violation of these Terms. The presence of a negative Review does not constitute defamation, endorsement, or verification by WellnessRated. The submission of a complaint, dispute, legal threat, or legal claim regarding a Review does not automatically require its removal. WellnessRated evaluates reported content based on compliance with these Terms and applicable law.

WellnessRated does not disclose identifying information about reviewers except as required by applicable law. Requests for reviewer identity through legal process must be properly served at the address listed in Section 28 and will be evaluated in accordance with applicable law. Where legally permitted, WellnessRated may notify affected Users before disclosing their information in response to legal process.

5. Subscription and Billing

A. Recurring Billing

Certain Platform features are offered through paid Subscriptions. By subscribing, you authorize WellnessRated or its Merchant of Record to charge your selected payment method at the start of your Subscription, at each renewal period, and for any additional features or upgrades you select.

Subscriptions renew automatically at the end of each billing period unless canceled prior to the renewal date. Billing frequency, pricing, and applicable taxes will be displayed during checkout and in your account settings. You authorize recurring charges to your payment method until your Subscription is canceled in accordance with these Terms.

B. Cancellation Terms

You may cancel your Subscription at any time through your account settings or by contacting platform support. Cancellation takes effect at the end of your current billing period, and you retain access to paid features until that date. Cancellation prevents future charges but does not entitle you to a refund for the current or any prior billing period, except where required by applicable law.

C. Price Changes

WellnessRated reserves the right to modify Subscription pricing or introduce new paid features. Updated pricing will apply at the next renewal date following at least thirty (30) days' advance notice, provided by email, platform notification, or account dashboard. If you do not agree to a price change, you may cancel before the new pricing takes effect.

D. Free Trials

WellnessRated may offer free trials that provide temporary access to paid features. If you begin a free trial, your payment method will be required at signup, and your Subscription will automatically convert to a paid Subscription when the trial ends unless you cancel before the trial period expires. Trial eligibility may be limited to new subscribers. WellnessRated may modify, limit, or revoke free trial access at its discretion.

E. Payment Processing

Payments are processed through a Merchant of Record. The Merchant of Record is responsible for processing payments, calculating and remitting applicable taxes, issuing invoices, and managing billing compliance. By completing a purchase, you agree to comply with the Merchant of Record's applicable terms and policies, which will be made available during checkout.

F. Compliance With Legal Obligations

WellnessRated may take actions necessary to comply with applicable laws, regulations, legal process, or governmental requests, including restricting content, suspending accounts, or modifying platform functionality. Such actions may occur without prior notice where required by law. WellnessRated shall not be liable for losses resulting from good-faith compliance actions.

G. Account Restrictions and Platform Discretion

WellnessRated may, at its sole discretion, suspend, restrict, remove, or terminate accounts, profiles, listings, or content on the Platform for any reason consistent with these Terms or applicable law. WellnessRated is not obligated to maintain the availability of any account, profile, review, or content and shall not be liable for business or reputational consequences resulting from such actions.

6. Refund Policy

A. General Non-Refund Policy

Except where required by applicable law, all payments are non-refundable once processed. Subscription fees are charged in advance for each billing period, and no refunds or credits will be issued for partial billing periods, unused time or features, account suspension or termination resulting from violations of these Terms, or voluntary cancellation of a Subscription. Users are responsible for managing their Subscriptions and canceling prior to renewal if they do not wish to be charged.

B. Discretionary Refunds

WellnessRated may issue refunds or credits at its sole discretion on a case-by-case basis in limited circumstances, such as duplicate charges, billing errors, or technical issues preventing access to paid features. Any discretionary refund does not create an obligation to provide refunds in future cases. Requests for billing review should be submitted to support@wellnessrated.com within fourteen (14) days of the charge in question.

C. Legally Required Refunds

Nothing in this Refund Policy limits any rights that may be available under applicable consumer protection laws. In jurisdictions where refunds are legally required, eligible refunds will be issued in accordance with those laws.

D. Payment Disputes

If you believe a charge was made in error, contact WellnessRated support before initiating a dispute with your payment provider. Initiating a payment dispute without first contacting support may delay resolution. Initiating fraudulent or abusive chargebacks may result in immediate suspension or termination of your account. WellnessRated reserves the right to suspend Platform access during investigation of payment disputes.

E. Merchant of Record

Payments are processed through the Merchant of Record. Refunds and payment disputes may be handled by the Merchant of Record in accordance with its policies in addition to these Terms.

F. Failed Payments and Charge Retries

If payment cannot be successfully processed for any reason, including expired payment methods, insufficient funds, or declined transactions, WellnessRated or its Merchant of Record may retry the charge using the payment method on file. WellnessRated may suspend or restrict access to paid features until payment is successfully completed and may cancel or downgrade Subscriptions with unresolved payment failures. Users are responsible for maintaining valid payment information associated with their account.

7. Payment Processing

Payments for Subscriptions and other paid features are processed through a Merchant of Record acting on behalf of WellnessRated. The Merchant of Record will appear as the billing entity on your payment statement when you make a purchase on the Platform.

The Merchant of Record is responsible for: collecting and processing subscription payments; calculating and remitting applicable taxes; issuing invoices and receipts; managing billing compliance; and implementing fraud detection and risk assessment systems.

Payment information is provided directly to the Merchant of Record or its payment partners. WellnessRated does not directly process payment card information and does not store full payment card details.

By completing a purchase, you agree to comply with the applicable terms and privacy policies of the Merchant of Record. Questions related to billing, payment processing, transaction authorization, or fraud review may be handled by the Merchant of Record in accordance with its policies. WellnessRated reserves the right to change payment processors or Merchant of Record providers from time to time, with reasonable notice where practicable.

8. User-Generated Content

A. User Responsibilities

Users are solely responsible for all Content they submit to the Platform. By submitting Content, you represent and warrant that:

1. you have the right and authority to submit the Content;
2. the Content reflects your genuine experience, opinion, or commentary where applicable;
3. the Content does not violate the rights of any third party;
4. the Content complies with these Terms and applicable law; and
5. you have disclosed any material relationship with the Coach being reviewed.

Users agree not to submit Content that is:

• false, misleading, or deceptive;
• defamatory or containing knowingly false statements of fact;
• abusive, threatening, harassing, or intended to intimidate;
• obscene or sexually explicit;
• discriminatory, hateful, or promoting violence;
• infringing on intellectual property rights;
• violating privacy, confidentiality, or data protection laws;
• spam, advertising, or commercially promotional in nature; or
• manipulated, fabricated, or intended to misrepresent a genuine experience.

B. Platform Moderation Rights

WellnessRated reserves the right — but not the obligation — to review, monitor, moderate, restrict, or remove Content submitted to the Platform. Submission of Content does not guarantee that it will be published or remain available on the Platform. WellnessRated may take moderation actions with or without prior notice where appropriate.

WellnessRated is not obligated to monitor all Content submitted to the Platform but reserves the right to review and moderate Content at any time to maintain platform integrity and compliance with these Terms.

C. No Adjudication of Disputes

WellnessRated does not adjudicate factual disputes between Users and Coaches. The Platform is not a court, arbitrator, mediator, or investigative authority. Content moderation decisions are made in accordance with Platform policies and these Terms. The removal or retention of Content does not constitute a determination regarding the truthfulness, accuracy, or legality of that Content.

D. Right to Submit Honest Reviews

WellnessRated permits Users to submit Reviews reflecting their genuine experiences and opinions, whether positive or negative. Reviews will not be removed solely because they are critical, unfavorable, or express negative opinions about a Coach.

Reviews may be removed, restricted, or moderated if they violate these Terms, the Community Guidelines, or applicable law — for example, if they contain fabricated content, undisclosed conflicts of interest, harassment, threats, privacy violations, or spam.

The presence of Reviews, Ratings, or commentary on the Platform may affect the reputation of individuals or businesses referenced in such content. Allegations of reputational harm do not, by themselves, establish that the content is false, unlawful, or in violation of these Terms. WellnessRated does not remove Reviews solely because a Coach alleges that the content negatively affects their reputation or business interests.

E. Platform Neutrality

WellnessRated does not guarantee the completeness, accuracy, reliability, or fairness of Reviews, Ratings, or other User-Generated Content. The presence, absence, order, ranking, or visibility of Reviews does not constitute endorsement, recommendation, or evaluation of professional quality by WellnessRated. Reviews and Ratings reflect the opinions and experiences of individual Users and may differ from the views of others.

Users are responsible for conducting their own independent evaluation and due diligence before engaging any Coach referenced on the Platform.

F. Content License

By submitting Content to the Platform — including Reviews, comments, profile information, responses, and media — you grant WellnessRated a worldwide, non-exclusive, royalty-free, sublicensable, transferable, perpetual, irrevocable license to:

1. display, reproduce, distribute, and publicly present your Content on the Platform;
2. store, host, and process your Content as necessary to operate the Platform;
3. modify, format, or adapt your Content for technical or display purposes; and
4. use your Content to operate, improve, maintain, and promote the Platform and its services.

You also grant WellnessRated the right to analyze, aggregate, and derive insights from User-Generated Content for the purpose of developing Aggregated Data and De-Identified Data for analytics, research, reporting, and platform improvement.

WellnessRated reserves the right to use De-Identified Data and Aggregated Data derived from User-Generated Content for machine learning, AI model training, and related technology development. This right applies only to De-Identified Data and Aggregated Data and does not permit use of individually identifiable Review content or personal information for AI training purposes without separate consent.

This license survives account termination for Content that remains publicly displayed on the Platform, including Reviews displayed with de-identified attribution following account deletion.

Users retain ownership of original Content they submit. Coaches and professionals who are the subject of Reviews do not acquire ownership rights over Reviews or User-Generated Content about them. Reviews are associated with the individual professional who provided the services being reviewed and cannot be transferred or treated as a business asset in connection with any change of business ownership.

G. DMCA / Copyright Compliance

WellnessRated responds to valid claims of copyright infringement in accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe that Content on the Platform infringes your copyright, submit a notice to the designated DMCA agent listed below containing the following:

• identification of the copyrighted work claimed to have been infringed;
• identification of the allegedly infringing material and its location on the Platform;
• your name, address, telephone number, and email address;
• a statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law;
• a statement under penalty of perjury that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner; and
• your physical or electronic signature.

DMCA notices should be directed to: Wellness Rated, LLC, legal@wellnessrated.com, 5625 German Church Road #2191, Indianapolis, IN 46235, United States.

WellnessRated may suspend or terminate accounts of users who repeatedly infringe the intellectual property rights of others.

H. No Compensation for User Content

Users acknowledge that Content submitted to the Platform is provided voluntarily. WellnessRated does not provide compensation for Reviews or other User-Generated Content unless explicitly stated in a separate written agreement.

I. Public Nature of Platform Content

Content submitted to the Platform may be publicly visible and searchable. Users should not submit Content they wish to keep private or confidential. Once submitted, Content may remain publicly accessible even if a user account is later deleted, subject to the retention and deletion practices described in the Privacy Policy.

9. Accounts, Security, and Communications

A. Account Responsibility and Credential Security

Users who create accounts are responsible for maintaining the confidentiality and security of their login credentials, including usernames and passwords. Accounts are personal and may not be shared or used by multiple individuals without authorization from WellnessRated. Users are responsible for all activity that occurs under their account and must notify WellnessRated promptly if they become aware of any unauthorized access, suspected security breach, or misuse of their account credentials.

B. Additional Authentication and Fraud Controls

To protect Platform security and integrity, WellnessRated may require additional authentication or verification measures, including multi-factor authentication, identity verification, device confirmation, or security verification steps. WellnessRated may restrict or deny access if authentication requirements are not satisfied or if suspicious activity is detected. WellnessRated is not liable for temporary loss of access or delays resulting from reasonable security measures implemented to protect the Platform or its Users.

C. Feature Changes and Tier Modifications

WellnessRated reserves the right to modify, pause, discontinue, or restructure features offered on the Platform, including Subscription plans, pricing tiers, and the features included in free or paid plans. No specific feature, visibility level, or functionality is guaranteed for any particular duration. WellnessRated may withdraw or modify platform functionality without liability, subject to applicable law.

D. SMS Communications

If SMS messaging is used for account verification, authentication, or Platform notifications, Users may receive automated SMS messages related to their account by providing a phone number and enabling SMS features. Message and data rates may apply depending on the User's mobile carrier and service plan. Users may opt out by replying STOP or following instructions provided in the message. Opting out may limit access to certain security or authentication features. Wireless carriers are not responsible for delayed or undelivered messages.

E. Platform Visibility, Ranking, and Moderation Controls

WellnessRated may determine the ordering, ranking, visibility, and presentation of profiles, Reviews, and other Content using automated systems, algorithms, moderation processes, and internal policies. WellnessRated may reorder, prioritize, suppress, highlight, or otherwise adjust the visibility of profiles, Reviews, or content. The presence, absence, order, ranking, or visibility of content does not constitute endorsement, recommendation, or evaluation of quality by WellnessRated. Paid features or promotional placements may influence how content appears within the Platform.

F. Usernames, Profile URLs, and Platform Identifiers

Usernames, profile URLs, account identifiers, and similar platform designations are provided for the operation of the Platform and remain the property of WellnessRated. Creating or claiming an account does not grant ownership rights to a username, profile URL, or profile identifier. WellnessRated may modify, reclaim, remove, or reassign usernames or identifiers at its discretion for platform operation, security, trademark protection, or policy enforcement.

10. HIPAA Disclaimer

WellnessRated is not a health care provider, health plan, or health care clearinghouse as those terms are defined under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). WellnessRated is not a HIPAA-covered entity and is not acting as a business associate of any covered entity in connection with the operation of the Platform.

The Platform is not a HIPAA-compliant system. Users should not submit protected health information (“PHI”) as defined under HIPAA through the Platform. WellnessRated does not accept PHI and is not equipped to receive, process, or protect information in accordance with HIPAA requirements.

Health-related information that may appear in Reviews or other User-Generated Content is submitted voluntarily by Users and does not constitute PHI subject to HIPAA protection, as it is not held by or transmitted to a HIPAA-covered entity or business associate in that capacity.

11. No Agency / No Partnership

Nothing in these Terms creates any agency relationship, partnership, joint venture, employment relationship, franchise relationship, or principal-agent relationship between WellnessRated and any User, Coach, reviewer, or third party.

Coaches and wellness professionals listed on the Platform are independent entities and are not employees, agents, representatives, partners, or affiliates of WellnessRated. WellnessRated does not control or direct coaching activities, supervise Coaches, manage the delivery of coaching services, guarantee Coach qualifications or results, or act as a representative or agent of any Coach.

WellnessRated is not a party to any engagement, agreement, or transaction between a User and a Coach. WellnessRated assumes no responsibility for services provided by Coaches or other professionals listed on the Platform.

You acknowledge that Reviews, Ratings, and User-Generated Content may influence public perception, business reputation, and professional opportunities. WellnessRated is not responsible for any business losses, reputational harm, lost revenue, or economic damages that may result from Reviews, Ratings, rankings, or other User-Generated Content appearing on the Platform.

WellnessRated does not maintain insurance coverage for services provided by Coaches listed on the Platform. Users engage Coaches at their own risk and are responsible for independently evaluating whether a Coach is appropriate for their needs.

12. No Guarantee of Results

WellnessRated makes no guarantees, warranties, or promises regarding: increased client acquisition or revenue; improved visibility or search ranking; enhanced reputation or review scores; increased engagement, leads, or business opportunities; specific platform performance or outcomes; or the availability or continued availability of particular features or functionality.

The visibility, ranking, or presentation of profiles and Reviews on the Platform may vary over time based on platform policies, algorithms, moderation practices, Subscription tiers, or other operational factors. WellnessRated does not guarantee that use of the Platform will produce any specific results, outcomes, or business benefits.

Users and Coaches acknowledge that use of the Platform is at their own risk and that outcomes depend on numerous factors, including their own efforts, market conditions, and individual circumstances. Users are responsible for conducting their own independent evaluation before engaging any Coach or wellness professional listed on the Platform.

13. Payment Dispute Mitigation

If you believe a billing error has occurred, contact WellnessRated support promptly at support@wellnessrated.com before initiating a payment dispute with your payment provider. Initiating a payment dispute without first contacting support may delay resolution.

To protect Platform integrity and prevent fraudulent activity, WellnessRated reserves the right to: temporarily suspend or restrict access to accounts associated with an active payment dispute or chargeback; investigate payment activity that appears fraudulent or inconsistent with normal Platform use; limit access to paid features while a billing dispute is being reviewed; and suspend or terminate accounts involved in repeated or abusive chargeback activity.

Billing disputes may also be reviewed or processed by the Merchant of Record in accordance with its policies. Nothing in this Section limits any rights Users may have under applicable consumer protection or payment regulations.

14. Checkout Disclosure Requirements

Before completing a purchase, Users will be presented with disclosures regarding applicable Subscription terms, including: the price and billing frequency; whether the Subscription renews automatically; the date of the first charge and subsequent billing dates; applicable cancellation procedures; and whether charges are refundable.

Users must provide affirmative consent before completing a purchase by selecting a checkbox or taking another clear confirmatory action indicating that the User agrees to these Terms and the Privacy Policy, understands that the purchase involves recurring billing where applicable, and authorizes automatic charges to the selected payment method.

WellnessRated may modify checkout flows, billing disclosures, or purchase confirmation processes to comply with legal requirements, payment processor policies, or platform design updates.

15. Eligibility

You must be at least 18 years of age to create an account, submit Reviews, or otherwise use the Platform. By using the Platform, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. WellnessRated does not knowingly permit individuals under the age of 18 to create accounts or submit Reviews. Accounts created by individuals under 18 may be suspended or removed.

16. Software License

Subject to your compliance with these Terms, WellnessRated grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purposes, including accessing Platform features, creating and managing your account, submitting Reviews, and using Subscription features associated with your account.

This license does not permit you to: copy, reproduce, or redistribute Platform content at scale; reverse engineer or attempt to extract Platform source code; create derivative products or competing services using Platform data; or use the Platform in any unlawful or abusive manner. WellnessRated retains all ownership rights, intellectual property rights, and control over the Platform.

17. Data Use and Anti-Scraping

The Platform contains proprietary datasets, including Reviews, Ratings, profile information, analytics data, and platform-generated content. You agree not to:

• scrape, harvest, crawl, or extract Platform data through automated or manual means;
• use bots, scripts, crawlers, or automated tools to collect Platform information;
• copy or replicate the Platform database, review system, or profile datasets;
• use Platform content to create competing directories, datasets, or services; or
• index or republish Reviews, Ratings, or profile data outside the Platform without authorization.

Unauthorized data extraction or replication may result in immediate suspension or termination of Platform access and legal action where appropriate. WellnessRated reserves the right to implement technical safeguards designed to prevent unauthorized data collection.

18. No Duty to Monitor Platform Content

WellnessRated does not have an obligation to monitor, verify, or review all User-Generated Content submitted to the Platform. Reviews and comments are submitted by Users and reflect their personal experiences and opinions. WellnessRated does not independently verify the accuracy of User-Generated Content and is not responsible for errors, omissions, or statements made by Users.

WellnessRated reserves the right — but not the obligation — to review Content, investigate complaints, and remove or restrict Content that violates these Terms or applicable law. Failure to remove or moderate Content does not constitute endorsement, approval, or verification by WellnessRated.

19. Feedback and Suggestions

If you provide WellnessRated with feedback, suggestions, ideas, or recommendations regarding the Platform (“Feedback”), you grant WellnessRated a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and incorporate such Feedback into the Platform or other products and services without any obligation of compensation, attribution, or confidentiality. WellnessRated is under no obligation to act on any Feedback.

20. Dispute Resolution and Arbitration

A. Informal Resolution

Before initiating arbitration, you agree to contact WellnessRated at legal@wellnessrated.com and describe your dispute in reasonable detail. Both parties agree to attempt good-faith informal resolution for a period of thirty (30) days from the date of written notice before initiating arbitration. If the dispute is not resolved within that period, either party may proceed to arbitration.

B. Binding Arbitration

To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform — including disputes regarding the scope, validity, or enforceability of this arbitration provision — shall be resolved through binding arbitration rather than in court.

Arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable. Unless the parties agree otherwise, arbitration will take place in Monroe County, Indiana, or may be conducted remotely by video conference where permitted by the applicable AAA rules. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

C. Class Action Waiver

You agree that any disputes will be resolved individually and not as part of any class action, consolidated action, mass action, or representative proceeding. You waive any right to participate in a class action lawsuit or class-wide arbitration against WellnessRated.

D. Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE USE OF THE PLATFORM.

E. Batch Arbitration

If twenty-five (25) or more similar claims are submitted against WellnessRated by the same or coordinated counsel or law firms within a ninety (90) day period, those claims shall be treated as a batch. Batched claims shall be administered in accordance with any applicable AAA batch or mass arbitration protocols. WellnessRated reserves the right to negotiate a batching or bellwether procedure with claimant counsel to facilitate efficient resolution.

F. Exceptions

Nothing in this Section prevents either party from: seeking relief in small claims court where the amount in controversy satisfies that court's jurisdictional threshold; seeking injunctive or equitable relief in any court of competent jurisdiction to address intellectual property rights violations, unauthorized use of the Platform, or data security incidents; or seeking emergency relief pending the completion of arbitration.

If any portion of this arbitration provision is found to be unenforceable, the remaining provisions remain in full force and effect. If the class action waiver is found unenforceable with respect to any particular claim, that claim must proceed in court and not in arbitration.

21. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WELLNESSRATED AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM. THIS EXCLUSION APPLIES WITHOUT LIMITATION TO: LOST PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES; LOSS OF DATA OR USER-GENERATED CONTENT; SERVICE INTERRUPTIONS, DELAYS, OR ERRORS; RELIANCE ON REVIEWS, RATINGS, OR USER-GENERATED CONTENT; ACTIONS OR CONDUCT OF OTHER USERS OR THIRD PARTIES; AND EVENTS BEYOND WELLNESSRATED'S REASONABLE CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF WELLNESSRATED FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM OR ANY SUBSCRIPTION SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO WELLNESSRATED IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent such limitations are prohibited in your jurisdiction, they may not apply to you.

22. Force Majeure

WellnessRated shall not be liable for any failure or delay in performance resulting from events beyond its reasonable control, including acts of God, natural disasters, internet or telecommunications outages, failures of third-party hosting providers or infrastructure services, cyber attacks or security incidents, governmental actions or regulatory changes, labor disputes or civil disturbances, or failures of third-party services integrated with the Platform. During any such event, WellnessRated's obligations under these Terms will be suspended to the extent reasonably necessary.

23. Indemnification

You agree to indemnify, defend, and hold harmless WellnessRated and its affiliates, officers, directors, employees, agents, and contractors from and against any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

1. your use or misuse of the Platform;
2. your Reviews, submissions, or other Content;
3. your violation of these Terms;
4. your violation of any applicable law or regulation;
5. your violation of any third-party rights, including intellectual property or privacy rights; and
6. if you are a Coach, your coaching services, professional conduct, or interactions with clients, including claims arising from Reviews, Ratings, or User-Generated Content relating to your services.

WellnessRated reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with WellnessRated's defense of that matter.

24. Governing Law

These Terms and any dispute arising out of or related to these Terms or your use of the Platform shall be governed by the laws of the State of Indiana, United States, without regard to conflict-of-law principles.

Except where disputes are subject to binding arbitration under Section 20, any legal action or proceeding permitted to proceed in court shall be brought exclusively in the state or federal courts located in Monroe County, Indiana. You consent to the personal jurisdiction of those courts for purposes of resolving any such disputes.

25. EEA and UK Users

If you are accessing the Platform from a country within the European Economic Area (“EEA”) or the United Kingdom (“UK”), the following provisions apply to you in addition to the rest of these Terms.

Nothing in these Terms is intended to limit or exclude any rights you have under mandatory consumer protection laws applicable in your country of residence. To the extent any provision of these Terms conflicts with a mandatory legal protection that cannot be waived under the laws of your EEA member state or the UK, that mandatory protection shall apply.

The arbitration and governing law provisions in Sections 20 and 24 apply to EEA and UK Users only to the extent permitted by applicable mandatory law. EEA and UK Users retain any mandatory rights to pursue claims before courts in their country of residence and before applicable data protection supervisory authorities.

Data protection rights for EEA and UK Users are described in the Privacy Policy, which incorporates WellnessRated's obligations under the General Data Protection Regulation (GDPR) and UK GDPR. For data protection inquiries, contact privacy@wellnessrated.com.

26. Changes to These Terms

WellnessRated may update or modify these Terms from time to time to reflect changes to Platform features or services, legal or regulatory requirements, security or technical updates, or improvements to clarity or platform policies. For material changes, WellnessRated will provide at least thirty (30) days' advance notice by email, by posting a notice on the Platform, or through account dashboard messaging. Non-material changes, including clarifications, corrections, and updates that do not affect user rights or obligations, may take effect upon posting with notice provided by updating the “Last Updated” date.

Your continued use of the Platform after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.

27. General Provisions

A. Entire Agreement

These Terms, together with the Community Guidelines, the Privacy Policy, and — for Coaches who claim profiles or purchase Subscriptions — the Coach Subscription Agreement and applicable Order Form(s), constitute the entire agreement between you and WellnessRated regarding your use of the Platform and supersede all prior or contemporaneous agreements, communications, or understandings relating to the subject matter of these Terms.

B. Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and effect.

C. Assignment

You may not assign, transfer, or delegate any rights or obligations under these Terms without WellnessRated's prior written consent. WellnessRated may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, sale of assets, financing, or other corporate transaction. These Terms will be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

D. Waiver

Failure by WellnessRated to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver of a provision must be in writing and signed by an authorized representative of WellnessRated. A waiver of any breach shall not constitute a waiver of any subsequent breach.

E. Translation

These Terms are drafted and published in the English language. If these Terms are translated into any other language for convenience, the English version shall control and prevail in the event of any conflict or inconsistency between the English version and any translation.

28. Contact Information

If you have questions regarding these Terms or the WellnessRated Platform, you may contact us at:

Wellness Rated, LLC

5625 German Church Road #2191

Indianapolis, Indiana 46235

United States

General and support inquiries: support@wellnessrated.com

Legal and DMCA inquiries: legal@wellnessrated.com

Privacy inquiries: privacy@wellnessrated.com

Legal process (subpoenas, court orders, and other service of process) must be served on Wellness Rated, LLC at the mailing address above. A courtesy copy may also be sent to legal@wellnessrated.com.