The Healthcare Portal ("Platform," "we," "us," "our") is a digital marketplace operated by Privea Med Global [legal entity name and registration details], a company incorporated in India with its registered office at [address]. The Platform connects individuals seeking medical, dental, and wellness treatment ("Patients") with independent, verified hospitals, clinics, and medical professionals ("Providers"), and enables referral relationships through medical tourism companies, insurers, agents, and government or institutional health programmes ("Strategic Partners" and "Institutional Partners," under the Institutional Referral Network).

By creating an account, browsing Provider listings, requesting a quote, making a booking, or otherwise using the Platform in any capacity, you agree to be bound by these Terms & Conditions, our Privacy Policy, and our Acceptable Use Policy, each of which is incorporated by reference. If you do not agree, you must not use the Platform. If you are using the Platform on behalf of an organisation — a hospital, a Strategic Partner, or an institutional body — you represent that you have authority to bind that organisation to these Terms.

You must be at least 18 years old, or the age of legal majority in your jurisdiction if higher, to create an account. A parent or legal guardian may create a Patient account and manage bookings on behalf of a minor, and remains responsible for all activity and decisions made under that account. Providers must hold all licences, registrations, and accreditations required by the law of the jurisdiction in which they practise, and must maintain these in good standing for the duration of their listing on the Platform.

4.1 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at [security contact] if you suspect unauthorised access.

4.2 Accuracy of Information

You agree to provide accurate, current, and complete information during registration and to keep it updated. For Patients, this includes accurate medical history where requested — incomplete or inaccurate medical information may affect the safety and appropriateness of treatment recommendations and is provided at your own risk.

4.3 Provider, Partner, and Institutional Accounts

Providers, Strategic Partners, and Institutional Partners are subject to a verification and onboarding process described in Section 6 and, for Institutional Partners, a separate framework agreement governing the scope, data terms, and capacity of that relationship.

We do not practise medicine, provide medical advice, diagnose conditions, or render treatment. All medical, dental, and wellness services displayed, quoted, or booked through the Platform are provided solely by the independent Provider you select, under that Provider's own professional responsibility and licensure. Any medical information, treatment description, cost estimate, or outcome expectation shown on the Platform originates from the Provider and has not been independently verified by us for clinical accuracy.

Your relationship for the actual provision of medical care is directly with the Provider, governed by that Provider's own consent forms, clinical protocols, and applicable medical liability law in the jurisdiction where treatment occurs — not by these Terms.

We conduct a verification process before a Provider is listed, which may include confirming accreditation status (such as NABH or JCI, where claimed), licensing documentation, and business registration. A "Verified Provider" badge indicates the Provider has passed this process at the time of verification — it is not a warranty, guarantee, or endorsement of ongoing compliance, clinical quality, or treatment outcome. Accreditation and licensing status can change after verification; you are encouraged to independently confirm current status directly with the Provider or the relevant accrediting body before treatment.

Quotes provided by a Provider through the Platform are estimates based on the information available at the time and may change following an in-person or teleconsultation assessment, discovery of additional clinical needs, or changes in the Patient's condition. A booking is confirmed only once the Provider accepts the request and payment has been processed under Section 8. Digital itineraries, treatment-day schedules, and recovery-tracking content are provided as a convenience and do not modify the Provider's own clinical documentation, which remains the authoritative record.

8.1 How Payment Works

Patient payments are collected in full at the time of booking and held via our payment processing partner [Razorpay / applicable licensed Payment Aggregator] under a milestone-release structure. Funds are released to the Provider in stages — corresponding to booking confirmation, treatment completion, and recovery confirmation, or such other stages as displayed at the time of booking — and only once both the Patient and the Provider confirm that the relevant stage has genuinely occurred.

8.2 Disputed Milestones

If the Patient and Provider do not agree that a milestone has been met, the corresponding funds remain held while our team reviews the matter. We will make a determination based on the information available, including any clinical documentation provided, but we are not a court, arbitrator, or medical board, and our determination for payment-release purposes does not resolve or waive any party's legal rights.

8.3 Fees

We charge a platform fee, disclosed at checkout before payment, and may charge Providers, Strategic Partners, or Institutional Partners a revenue-share or commission under separate commercial terms. All fees are stated in the currency shown at checkout; currency conversion, where applicable, is performed by our payment processor and may include a conversion margin outside our control.

8.4 Payment Compliance

Payment processing is subject to the terms of our payment processing partner and applicable regulation, including [RBI Payment Aggregator directions / applicable cross-border payment regulation]. We reserve the right to delay, hold, or decline a transaction where required for fraud prevention, sanctions compliance, or regulatory reasons.

Cancellation and refund terms are specific to each Provider and treatment package and are disclosed before booking confirmation. Amounts already released to a Provider under the milestone structure in Section 8 for genuinely completed stages are generally non-refundable through the Platform; amounts still held by us for stages not yet reached are eligible for refund according to the applicable cancellation policy. Travel, accommodation, and third-party costs booked through Concierge Services are subject to those third parties' own cancellation terms.

Strategic Partners and Institutional Partners operate under this Section and, where applicable, a separate signed framework agreement covering network model (Closed, Shared, or Hybrid), revenue share, data-sharing terms, capacity allocation, and reporting cadence. Nothing in a Strategic Partner or Institutional relationship transfers ownership of the referring party's underlying patient relationship to us; exclusivity terms are as set out in the applicable framework agreement.

You agree not to:

• Attempt to arrange payment, booking, or treatment outside the Platform for a connection first made through it, during the period specified in the applicable Provider or Partner agreement;
• Share contact information through Platform messaging in a manner designed to circumvent the Platform's fee structure or the contact-protection measures described in our Privacy Policy;
• Misrepresent your identity, credentials, licensure, accreditation, or medical history;
• Use the Platform for any unlawful purpose, or in a manner that infringes the rights of others;
• Interfere with, reverse-engineer, or attempt to gain unauthorised access to the Platform's systems.

We use automated monitoring, including AI-based pattern detection, to identify messages suggesting attempts to circumvent the Platform. Violations may result in suspension or termination under Section 19, and, for Providers and Partners, may constitute a breach of the applicable commercial agreement. Detailed, role-specific conduct rules — including content standards for Provider listings, messaging conduct, and review integrity — are set out in our Acceptable Use Policy.

Ratings and reviews must reflect a genuine experience with the Provider or service reviewed. We may remove content that is fraudulent, defamatory, unlawful, or in breach of these Terms, but we do not pre-screen all content and are not responsible for content posted by users. By submitting content, you grant us a non-exclusive, worldwide, royalty-free licence to display, reproduce, and distribute it in connection with operating the Platform.

The Platform, including its design, software, trademarks (including the keyhole mark and "The Healthcare Portal" name), and content we create, is owned by Privea Med Global or its licensors and protected by applicable intellectual property law. You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for its intended purpose. Provider-supplied content (facility images, credentials, treatment descriptions) remains the property of the Provider, licensed to us for display on the Platform.

Medical and dental treatment, and international travel for the purpose of receiving it, carry inherent risks, including but not limited to surgical and anaesthesia risk, infection, complications, travel-related health risk, and the risk that outcomes may differ from expectations set during consultation. You acknowledge these risks and confirm that any decision to proceed with treatment is made independently, based on your own judgment and the advice of the treating Provider — not on the basis of marketing content displayed on the Platform. Nothing on the Platform constitutes a guarantee of any particular medical outcome.

To the maximum extent permitted by applicable law, the Platform is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, or error-free, or that information displayed (including Provider-supplied pricing, availability, or credentials) is accurate, complete, or current at all times.

To the maximum extent permitted by applicable law, Privea Med Global and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of the Platform, including any act or omission of a Provider, Strategic Partner, or Institutional Partner. Our total aggregate liability arising from these Terms or your use of the Platform will not exceed the greater of (a) the platform fees paid by you in the twelve months preceding the claim, or (b) [a fixed cap amount, to be set with legal counsel]. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by our own gross negligence or wilful misconduct.

You agree to indemnify and hold harmless Privea Med Global from any claim, liability, damage, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Platform, or, for Providers, any act or omission in the provision of medical treatment.

These Terms are governed by the laws of India, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Platform will first be addressed through good-faith negotiation, and if unresolved within [30 days], will be referred to arbitration in [city], India, under the Arbitration and Conciliation Act, 1996, conducted in English, with the arbitral award being final and binding. This clause does not apply to disputes concerning the clinical care provided by a Provider, which remain subject to the medical liability law of the jurisdiction where treatment occurred. Nothing in this Section prevents a consumer from exercising statutory rights that cannot be waived under applicable consumer protection law in their home jurisdiction.

We may suspend or terminate your account, with or without notice, for breach of these Terms, suspected fraud, safety concerns, or as required by law. You may close your account at any time; certain obligations (including payment obligations for services already rendered and confidentiality obligations) survive termination.

The Platform is accessed from many countries. We make no representation that the Platform, or the medical services it facilitates, are appropriate or lawfully available in every jurisdiction. If you access the Platform from outside India, you are responsible for compliance with your local laws, including any laws governing the import of prescription medication, medical records, or the specific regulatory treatment of medical tourism in your home country.

We may update these Terms from time to time. Material changes will be notified through the Platform or by email at least [15 days] before taking effect. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force. Our failure to enforce a provision is not a waiver of our right to do so later. These Terms, together with the Privacy Policy and any applicable framework agreement, constitute the entire agreement between you and us regarding the Platform.

Questions about these Terms can be directed to [legal@thehealthcareportal.com] or [registered office address].