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Terms & Conditions

Effective date: 1 September 2021 · Governed by the Laws of Kenya

Please read these Terms and Conditions carefully before using the HealthX Africa Physician Helpline Service or website. By using our services you agree to be bound by these terms. If you do not agree, please discontinue use immediately.

1. Introduction

Please read this page carefully. It contains the Terms and Conditions governing your access to and use of the Physician Helpline Service provided by HealthX Africa, and the website located at https://www.healthxafrica.com/ ("Site"). If you do not accept these Terms and Conditions or meet or comply with their provisions, you may not use the Physician Helpline Service.

By subscribing to or using the Physician Helpline Service, you hereby acknowledge that you are familiar with these terms and any changes or modifications that may occur from time to time. These Terms and Conditions are effective as of September 1st, 2021.

In this document, wherever we have said "you" or "your", this shall mean you (the customer), any authorised person on your account, anyone who deals with us on your behalf (such as agents, advocates, trustees or executors, attorneys under a Power of Attorney) and other related people (including authorised signatories, partners, members). If you are an insurance customer it also means you, named insured parties or beneficiaries under your policy, dependants, claimants and other third parties involved in an insurance policy or claim (such as witnesses).

2. Binding Agreement

These Terms and Conditions form a binding agreement ("the Agreement") between you and HealthX Africa. Your access to or use of the Physician Helpline Service indicates your acceptance of these Terms and Conditions. You are agreeing to use the Physician Helpline Service at your own risk.

3. Certain Definitions

The following definitions apply to this Agreement:

Physician Helpline Application

"Physician Helpline Application" or the "Application" means any application under the control of HealthX Africa, whether partial or otherwise, and includes such Application's Content, Text, Graphics, Design, Programming, Physician Helpline Materials and Services (as applicable in each context).

Content

"Content" includes all Text, Graphics, Design and Programming used on the Applications.

Services

"Services" means any services provided by HealthX Africa or its agents described herein.

User

"User" refers to any individual or entity that uses any aspect of the Applications.

You

"You" or "you" means the person who (or the entity on behalf of whom such person is acting) is agreeing to these Terms and Conditions.

4. General Use Rules

The Applications and the Services are intended for individuals seeking personal medical advice. You may use the Applications and Services only for lawful purposes within the stated context of HealthX Africa's intended and acceptable use of the Applications and Services.

5. Other Specific Rules Regarding Usage

You represent, warrant and agree that you (a) are at least 18 years of age or older, and if under the age of 18 or the age of majority as defined in your jurisdiction, you will only use the Applications and Services under the supervision of a parent, legal guardian, or other responsible adult; and (b) will not use (or plan, encourage or help others to use) the Services and Applications for any other purpose or in any manner that is prohibited by these Terms and Conditions or by applicable law.

It is your responsibility to ensure that your use of the Applications and Services complies with these Terms and Conditions and all applicable laws.

6. Services by Licensed Medical Practitioners

You acknowledge that the Physician Helpline Services are being provided to you by HealthX Africa and their licensed medical practitioners ("the Personnel"). You also acknowledge your awareness that the HealthX Africa physicians you speak with are licensed with the Kenya Medical and Dental Practitioners Council (KMDPC).

7. Prohibited Uses

In using the Site and platforms, you agree not to:

  • Send or otherwise transmit to or through the Site and platforms any unlawful, infringing, harmful, harassing, defamatory, threatening, hateful or otherwise objectionable material of any kind, any material that can cause harm or delay to the Sites and Platforms or computers of any kind, and any unsolicited advertisement or promotion of goods and services, malicious software or code, or any illegal content.
  • Misrepresent your identity or affiliation in any way.
  • Restrict or inhibit any person from using the Site and platforms, disclose personal information obtained from the Sites and Platforms or collect information about users of the Site and platforms.
  • Reverse engineer, disassemble or decompile any section or technology on the Websites and Platforms, or attempt to do any of the foregoing.
  • Gain unauthorized access to the Site and platforms, to other users' accounts, names, personally identifiable information or other information, or to other computers or websites connected or linked to the Websites and Platforms.
  • Launch or use any automated system, including without limitation, "robots", "spiders" or "offline readers", that access the Sites and platforms in a manner that sends more request messages to our servers than a human can reasonably produce in the same period by using a conventional web browser.
  • Send or otherwise transmit to or through the Site and platforms chain letters, unsolicited messages, so-called "spamming" or "phishing" messages, or messages marketing or advertising goods and services.
  • Post, transmit or otherwise make available any virus, worm, spyware or any other computer code, file or program that may or is intended to damage or hijack the operation of any hardware, software or telecommunications equipment.
  • Violate any applicable laws or regulations in any way.
  • Alter or modify any part of the content or services offered on or through the Site and platforms.
  • Allow any other person to use the platforms with your registration or login information.
  • Access our servers or internal computer systems, interfere with the functionality of this website, gather or alter any underlying software code, or infringe any intellectual property rights.
  • Breach or otherwise circumvent HealthX Africa's security or authentication measures.
  • Assist or permit any persons in engaging in any of the activities described above.

Any breach of these Terms and Conditions shall result in the immediate revocation of the licence granted without prior notice to you. We reserve the right to deny you access to this website and its contents without prejudice to any available remedies at law or otherwise.

8. Limitations on Damages and Liability

The following limitations and liability provisions apply to your use of the Physician Helpline Services:

Assumption of Risk

You assume all responsibility and risk for your use of the Physician Helpline Services, the internet and for your conduct on and off of the Applications. Your use of the Application and the Services is on an "as is" and "as available" basis.

No Endorsement

The views and suggestions expressed by HealthX Africa under these Physician Helpline Services shall in no manner be construed by you as an endorsement of any such advice and views by the entity (e.g., your insurance, your employer or any other third party) providing HealthX Africa services to you.

Reliance on Accuracy

Any and all advice provided to you by HealthX Africa physicians shall depend in entirety on the accuracy of the description of the symptoms provided by you.

Call Recording

While HealthX Africa agrees to maintain the confidentiality of the information provided by you, you acknowledge and agree that calls made during the course of services provided by Physician Helpline Services may be recorded for quality control purposes and for maintaining a record of your health information.

No Liability for Damages

In no event shall HealthX Africa (or any of their officers, directors, shareholders, employees, subsidiaries, affiliates, agents or advertisers) be liable for any damages whatsoever resulting from or arising under or in connection with the Application or the Services, whether based on warranty, contract, tort, or any other legal theory.

No Onward Advice

You are not authorized by HealthX Africa to provide medical advice to other persons based upon the advice you obtain from the Physician Helpline Services. You bear sole responsibility for the consequences of providing such advice to any such other persons.

9. Quality, Functionality and Connectivity Issues

You acknowledge and agree that the quality, functionality, connectivity and/or availability of the Physician Helpline Services may be affected from time to time by circumstances within or outside the control of HealthX Africa. HealthX Africa, without any liability whatsoever, shall be entitled to refuse, limit, suspend, vary, or disconnect the Physician Helpline Services at any time for any reasonable cause, including but not limited to:

  • Any violation of applicable rules, regulations, orders, directions, notifications, or conditions of Licence Agreements issued by any government, telecom or other regulatory authority.
  • During technical failure, modification, up-gradation, variation, relocation, repair and/or maintenance of the systems or equipment.
  • To combat potential fraud, sabotage, willful destruction, national security or any other force majeure reasons.
  • Transmission limitations caused by topographical, geographical, atmospheric, hydrological and/or mechanical or electronic constraints, or unavailability of suitable cell Applications.
  • If Physician Helpline Services are used in violation of any law or rule/regulation.
  • Any other reason which HealthX Africa, in its sole discretion, deems reasonable and which warrants limiting, suspension or disconnection of Physician Helpline Service.

HealthX Africa shall not be responsible for any claims or damages arising out of technical failures, including failure of a telephone line, failure of servers, or failure to implement system updates due to technical failure.

HealthX Africa and its Personnel shall not be responsible for or obligated to provide call-back service in the event of a dropped call or any other interruption of service.

10. Accuracy or Completeness of Content

You hereby acknowledge and agree that:

No Warranties on Content

HealthX Africa makes no warranties or representations regarding the accuracy or completeness of the content provided on or via the Physician Helpline Services and assumes no liability or responsibility for any errors, omissions or inaccuracies of content or submissions, personal injury or property damage, any unauthorized access to secure servers or personal or financial information therein, or any deletion of data or interruption of transmission.

Third-Party Content

HealthX Africa is not responsible for any content or transactions that are contained or may be available outside the Physician Helpline Services.

11. Information Submitted by You

The following terms govern information you submit to us:

Ownership of Submissions

Any information that you submit to the Site and/or provide to us, including but not limited to questions, reviews, comments, and suggestions, will become our sole and exclusive property and shall not be returned to you.

Use of Your Name

When you post comments or reviews to the Site, you also grant us the right to use the name that you submit in connection with such review, comment, or other content.

Accuracy of Submissions

You shall not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third-parties as to the origin of any submissions. We may, but shall not be obligated to, remove or edit any submissions.

Marketing Communications

By signing up for medical services, you agree to receive (a) emails associated with processing your request, and (b) promotional emails, SMS and push notifications from HealthX Africa. You may unsubscribe from promotional emails via a link provided in each email, or contact Customer Service to remove your personal information from our database.

12. User Authentication

Because user authentication on the internet is difficult, HealthX Africa cannot and does not confirm that each user is who they claim to be. Because HealthX Africa does not and cannot be involved in user-to-user dealings or control the behaviour of participants on the Applications, in the event that you have a dispute with one or more users, you release HealthX Africa from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, arising out of or in any way connected with such disputes.

13. Unauthorized Use

Unauthorized use of the Application may give rise to a claim for damages and/or be a criminal offence.

15. Cookies

We employ the use of cookies. By accessing HealthX Africa, you agree to use cookies in agreement with the HealthX Africa Medical Services' Privacy Policy. Most interactive Applications use cookies to let us retrieve the user's details for each visit. Cookies are used by our Application to enable the functionality of certain areas to make it easier for people visiting our Application. Some of our affiliate or advertising partners may also use cookies.

16. Amendments to this Agreement

HealthX Africa may revise these Terms and Conditions at any time by updating this page. Changes will be binding on you on the date they are posted on the Applications (or as otherwise stated in any notice of such changes). Any use of an Application will be considered acceptance by you of the then-current Terms and Conditions. If at any time you find the Terms and Conditions unacceptable, you may not use the applicable Application any longer.

HealthX Africa may change the Applications at any time. Any new or different terms supplied by you are specifically rejected by HealthX Africa unless HealthX Africa agrees to them in a signed writing specifically including those new or different terms.

17. Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our Application and the use of this Application. Nothing in this disclaimer will limit or exclude our or your liability for death or personal injury, limit or exclude our or your liability for fraud or fraudulent misrepresentation, limit any of our or your liabilities in any way that is not permitted under applicable law, or exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty. As long as the Application and the information and services on the Application are provided free of charge, we will not be liable for any loss or damage of any nature.

18. Indemnity

You agree to defend, indemnify, and hold harmless HealthX Africa (and its subsidiaries, affiliates, officers, directors, employees and agents) from and against any third-party claims, actions or demands (including, without limitation, costs, damages and reasonable legal and accounting fees) alleging or resulting from or in connection with your use of the Applications, your use of the Services or your breach of this Agreement. HealthX Africa shall use reasonable efforts to provide you prompt notice of any such claim, suit, or proceeding and may assist you, at your expense, in defending any such claim, suit or proceeding.

19. Applicable Law & Arbitration

Any dispute arising out of or in connection with these Terms and the Physician Helpline Services, including any question regarding the existence, validity or termination of the same, which is not settled by negotiation between the parties within fifteen (15) days shall be referred to arbitration in accordance with the Arbitration Act (No. 4 of 1995). The following conditions shall apply to such arbitration:

  • The decision of the Chairman of the Chartered Institute of Arbitrators (Kenya Branch) on the choice of Arbitrator is final, binding and conclusive.
  • Such arbitration shall be conducted in Nairobi in accordance with the Rules of Arbitration of the Chartered Institute of Arbitrators (Kenya Branch).
  • To the extent permissible by law, the determination of the Arbitrator shall be binding upon the parties.
  • The seat, or legal place of arbitration shall be Kenya.
  • The governing law of arbitration shall be Kenyan law.
  • The venue for hearings shall be Nairobi, Kenya.
  • The language to be used in the arbitration proceedings shall be English.

These Terms and the Physician Helpline Services shall be governed by and construed in accordance with the law of Kenya.

20. Payment Authorisation: Fees and Purchase Terms

The following payment terms apply to your use of HealthX Africa's Services:

Authorised Payment Methods

By providing a credit card or other payment method accepted by HealthX Africa, you expressly agree that HealthX Africa is authorised to charge the applicable fees for your use of the Services, together with any applicable taxes. HealthX Africa accepts Visa or MasterCard debit and credit cards, and M-PESA in KES.

Sanctioned Countries

HealthX Africa shall not trade with or provide any service to OFAC and sanctioned countries.

Fee Agreement

You agree to pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. You shall be required to retain a copy of the transaction records and the policy document of HealthX Africa.

Pro Rata Upgrades

Payment for upgrades will be deducted from your credit or debit card on a pro rata basis.

Subscription Billing

You may pay for your Subscription fee only with credit, debit card and M-Pesa payments. We will charge your credit or debit card for your first Subscription Fee on the date that we process your order. Once payment is received we will begin provisioning your account.

Failed Payments

If all payment methods submitted by you are declined for payment of your Subscription Fee, your Subscription will be cancelled. If you provide new payment details and are successfully charged within 30 days, your Subscription Period will be based on the original renewal date.

Insurance Coverage

If you do not have insurance coverage for Services, or if your coverage is denied, you acknowledge and agree that you shall be personally responsible for all incurred expenses. HealthX Africa offers no guarantee that you shall receive any reimbursement. HealthX Africa reserves the right to modify pricing by providing 7 days' notice prior to billing.

Account Security

You shall be solely responsible for maintaining the confidentiality of your bank accounts and HealthX Africa shall not be liable for any kind of theft or misuse of the same or any loss or damage arising out of or in relation to the use of your account.

21. Assignment

These Terms and Conditions are personal to you and are not assignable, transferable, or sub-licensable by you except with HealthX Africa's prior written consent. HealthX Africa may assign, transfer, or delegate any of its rights and obligations hereunder without your consent.

22. Contacts / Notices

If you have any questions about the Terms and Conditions or need to provide notice to, or communicate with, HealthX Africa under the Terms and Conditions, please contact us at support@healthxafrica.com.

For any questions about these Terms or to provide notice to HealthX Africa, contact us at support@healthxafrica.com.