Terms of Use Agreement

1) Who We Are

Moira Club provides a membership experience intended to support older adults and their families through a combination of support services, education, coordination, technology-enabled tools, and related offerings. The Services may evolve over time.

2) Eligibility

You must be at least 18 years old to use the Services. If you use the Services on behalf of another person (e.g., a family member), you represent you have authority to do so and to share information as needed for the Services.

3) Not Medical Advice; Emergencies

The Services may include education, wellness guidance, coordination support, and other non-emergency offerings. The Services are not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a qualified health provider with any questions you may have.

Moira Club is not an emergency service. If you believe you are experiencing an emergency, call 911 (or your local emergency number) immediately.

4) Accounts and Security

Some parts of the Services may require an account. You agree to provide accurate information and keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

5) Memberships, Plans, and Changes

If you enroll in a membership or paid plan, details (including what is included, plan limitations, and pricing) will be presented at sign-up or otherwise made available to you.

We may modify, suspend, or discontinue any part of the Services, including membership features, tools, content, pricing, or availability, at any time. If a change materially affects a paid plan, we will provide notice as required by law.

6) Payments, Renewals, Cancellations

If you purchase a membership or other paid offering:

• Authorization: You authorize us (and our payment processors) to charge your chosen payment method for applicable fees, taxes, and recurring charges (if any).
• Renewals: Unless stated otherwise, paid plans renew automatically until canceled.
• Cancellation: You may cancel as described during sign-up or through your account settings (if available) or by contacting us at support@moiraclub.com. Cancellation generally takes effect at the end of the current billing period unless otherwise disclosed.
• Refunds: Fees are non-refundable except where required by law.

You are responsible for any charges incurred before cancellation takes effect.

7) Third-Party Services and Links

The Services may integrate with or link to third-party services (for example, device platforms, scheduling tools, payment processors, communication tools, or other partners). Your use of third-party services is subject to the third party's terms and privacy practices. We do not control and are not responsible for third-party services.

8) Devices, Data, and Technology Features

Some features may use data you provide or data from connected devices or third-party platforms. You understand that:

• Data may be incomplete, delayed, or inaccurate.
• Outputs, insights, and recommendations (if any) are informational and may not reflect your full situation.
• You are responsible for maintaining your devices, connectivity, and third-party accounts needed for integrations.

9) Mobile Terms of Service

Moira Club offers a mobile subscription service for authentication, informational and operational content. By opting in, you agree to receive recurring automated messages.

You can cancel the SMS service at any time. Just reply STOP to any message you receive from us. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or reach out to info@moiraclub.com.

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies.

If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For privacy-related inquiries, please refer to our Privacy Policy.

10) Communications

By using the Services, you consent to receive communications from us electronically (for example, email, in-app notifications, SMS/text, or phone calls) related to your account, membership, and Services. Standard message/data rates may apply. You can opt out of promotional messages at any time; operational or service-related communications may still be sent.

11) Privacy

Our collection and use of personal information is described in our Privacy Policy. If you provide information about another person, you represent you have the right to do so.

12) Acceptable Use

You agree not to:

• Use the Services for unlawful, harmful, or fraudulent purposes
• Interfere with the operation, security, or integrity of the Services
• Attempt to gain unauthorized access to any systems or data
• Upload or transmit malware or harmful code
• Reverse engineer, scrape, or misuse the Services except as permitted by law
• Impersonate others or misrepresent your affiliation with any person or entity

We may suspend or terminate access if we believe you violate these Terms.

13) Intellectual Property

The Services and all related content, features, and functionality are owned by Moira Club or its licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Services unless we expressly permit it in writing.

14) User Content

If you submit or upload content through the Services (“User Content”), you retain ownership of your User Content, but you grant Moira Club a worldwide, non-exclusive, royalty-free license to use, host, store, reproduce, modify (for technical purposes), and display your User Content solely to operate, improve, and provide the Services.

You represent your User Content does not violate law or third-party rights.

15) Disclaimers

To the maximum extent permitted by law, the Services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee the Services will be uninterrupted, secure, or error-free, or that any outputs, content, or results will be accurate or complete.

16) Limitation of Liability

To the maximum extent permitted by law, Moira Club will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Services.

To the maximum extent permitted by law, our total liability for any claim arising out of or relating to the Services will not exceed the amount you paid to Moira Club for the Services in the three (3) months before the event giving rise to the claim (or $100 if you have not paid any amounts).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

17) Indemnification

You agree to indemnify, defend, and hold harmless Moira Club and its officers, directors, employees, contractors, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services, (b) your violation of these Terms, or (c) your violation of any law or third-party rights.

18) Termination

We may suspend or terminate your access to the Services at any time for any reason, including if we believe you violated these Terms. You may stop using the Services at any time. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, indemnification, and governing law) will survive.

19) Governing Law; Venue

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

Any legal action or proceeding arising out of or related to these Terms or the Services must be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction and venue in those courts.

20) Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date indicates when changes were made. If we make material changes, we will provide notice as required by law. Your continued use of the Services after changes become effective means you accept the updated Terms.

21) Miscellaneous

• Entire Agreement: These Terms (and any policies referenced, such as the Privacy Policy) are the entire agreement between you and Moira Club regarding the Services.
• Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
• No Waiver: Our failure to enforce any provision is not a waiver.
• Assignment: You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

22) Contact Us

Moira Club Partners, Inc.

Email: Info@moiraclub.com

Phone: 303-709-7068