Insulite Health is an online platform dedicated to empowering women with PCOS to transform their bodies, their health and their lives.

These Terms of Use govern your use of  of naturalsolutionsforpcos.com,  pcos.com, and all of the related websites, mobile apps, products and services offered by Insulite Health, including our plug-ins and embedded content made available on other sites (collectively, the "Insulite Health Platform").

We refer to the e-commerce marketplace on the Insulite Health Platform as the "Insulite Health Store." If you visit or make a purchase or sale through the Insulite Health Store through naturalsolutionsforpcos.com or the related mobile app experience, then this Agreement is also between you and Insulite Health Inc.

These Terms provide important information to you, including your agreement to our limitation of liability to you, and, if you choose to provide us with your phone number, your agreement to receive calls and text messages from us in accordance with applicable law.

We encourage you to review this Agreement carefully. Any use of the Insulite Health Platform, including browsing naturalsolutionsforpcos.com, shall be governed by the Agreement. If you do not agree to any of the Terms, you should stop using the Insulite Health Platform.

Product

1. Refunds.The Natural Solutions For PCOS Online Access Pass carries a 30-day return/refund policy from the date of purchase.
2. Online Access. Purchasing the Online Access Pass does not guarantee compatibility with your device. Some devices will not stream online content. Some internet providers restrict downloading of specific content.
3. Liability. Natural Solutions For PCOS will not be held liable for any additional costs associated with you accessing our free or paid content.
4. Questions. If for any reason you have questions about the contained information or wish to have your purchase refunded, you may contact support at http://naturalsolutionsforpcos.com/contact-us.

Our Money Back Guarantee

1. If you’re not fully satisfied–for any reason–within the first 30 days, and we’ll refund 100% of your purchase price.
2. To request a refund simply fill out the request form on our contact us page, contact support at http://naturalsolutionsforpcos.com/contact-us and we will process your refund within 24 business hours.

Using the Insulite Health Platform.

1. Who can use it. You must be at least the age of majority in the state where you live to use the Insulite Health Platform. Use of the Insulite Health Platform by anyone under 13 years of age is strictly prohibited!
2. Registration. Access to certain functionalities of the Insulite Health Platform will require you to register with us and to create a profile on our Platform. If you register with Insulite Health, you agree to provide us accurate information and update it as needed for accuracy. We will treat personally identifiable information you provide as part of registration in accordance with our Privacy Policy. You also may have the option to register for an account by linking your Facebook or Google account.
3. Privacy Policy. Our privacy practices are set forth in our Privacy Policy. By using the Insulite Health Platform in any way, you agree to the terms of the Privacy Policy regardless of whether you are a registered user.
4. Termination. You may close your account at any time by going to account settings and disabling your account. We may permanently or temporarily suspend your use of the site or the service at any time for any reason, without any notice or liability to you. We may terminate your account at any time for any or no reason, including if you violate any Insulite Health policy. Upon termination of your use of the service, certain provisions will survive termination, as detailed in Section 10(m).
5. Feedback. We welcome your feedback and suggestions about how to improve the Insulite Health Platform. By submitting feedback to us, you agree to grant us the right, at our discretion, to use, disclose and otherwise exploit the feedback, in whole or part, without any restriction or compensation to you.

Our Content and Materials.

1. Definition of Our Content and Materials. All intellectual property in or related to the Insulite Health Platform (specifically including, but not limited to, our software, the Insulite Health marks, the Insulite Health logo, and Insulite Health buttons, badges, and widgets is the property of Insulite Health Inc., its subsidiaries and affiliates or its licensors ("Our Content and Materials").
2. Our License to You. Subject to these terms of use, including the restrictions below, we grant you a limited, non-exclusive license to use and access Our Content and Materials in connection with your use of the Insulite Health Platform. Except as expressly agreed to otherwise by us (such as your entering into a vendor, seller, advertiser, Site Designer, or other agreement with us), your use of the Insulite Health Platform must be limited to personal, non-commercial use. We may terminate this license at any time for any reason. Except for the rights and license granted in these terms, we reserve all other rights and grant no other rights or licenses, implied or otherwise.
3. No Endorsement or Verification. Please note that the Insulite Health Platform enables access to third-party content, products and services, and it offers interactions with third parties over which we have no control. We assume no responsibility for, nor do we endorse or verify the content, offerings or conduct of third parties (including but not limited to the products or services offered by third-parties or the descriptions of the products or services offered by third-parties). For example, Insulite Health does not conduct background checks or otherwise vet the professionals listed on the Insulite Health Platform. Participation or availability on the Insulite Health Platform does not amount to endorsement or verification by us. We make no warranties or representations with respect to the accuracy, completeness or timeliness of any content posted on the Insulite Health Platform by anyone.
4. Restrictions. Except as expressly provided in these Terms, you agree not to use, modify, reproduce, distribute, sell, license, reverse engineer, decompile, or otherwise exploit Our Content and Materials without our express written permission. Insulite Health's permission to you for your use of the Insulite Health Platform expressly excludes commercial use by you of any information concerning product descriptions or professional listings for the benefit of another merchant. You expressly are prohibited from any use of data mining, robots, or similar data gathering and extraction tools in your use of the Insulite Health Platform. You may view and print a reasonable number of copies of web pages located on the Insulite Health Platform for your own personal use, provided that you retain all proprietary notices contained in the original materials, including attribution to Insulite Health.
5. Ownership. You acknowledge and agree that the Insulite Health Platform and Insulite Health marks will remain the property of Insulite Health. The content, information and services made available on the Insulite Health Platform are protected by U.S. and international copyright, trademark, and other laws, and you acknowledge that these rights are valid and enforceable. You acknowledge that you do not acquire any ownership rights by using the Insulite Health Platform.
6. Insulite Health Buttons, Links and Widgets. You have permission to use the Insulite Health buttons, links and widgets subject to these Terms of Use (including the disclaimers and limitations of liability) and the further understanding that: (a) your use of such buttons, links and widgets link only to the Insulite Health Platform; (b) you will not modify such buttons, links, widgets or associated code in any manner; (c) you will not use any such buttons, links, widgets in any manner which implies or suggests that we endorse, sponsor, or recommend the website on which such buttons, links and widgets are used; and (d) the use of such buttons, links and widgets, and the website on which such buttons, links and widgets are used do not violate the Insulite Health's policies.

Other Offerings on the Insulite Health Platform

1. Purchase of Goods through the Insulite Health Store. Insulite Health Inc. offer health related products and services for sale on the Insulite Health Platform. If you purchase on the Insulite Health Platform, your purchase is subject to the Insulite Health terms of sale.
2. Embed Tool. If you are a user of the embed tool, which enables you to link to content on the Insulite Health Platform, you understand and agree that we cannot guarantee that the content, which originates from third-parties, is non-infringing or will be free from claims about infringement. Such third-party content may be subject to takedown by us at any time, in accordance with our policies, if we receive a notice of infringement.
3. Third-Party Services. You may be provided the opportunity on the Insulite Health Platform to purchase services that are offered by third parties (collectively "Third Party Services"), including those offered by professionals registered with Professional Profiles on the Insulite Health Platform. The availability of any Third Party Services on the Insulite Health Platform does not imply our endorsement of the Third Party Services.
4. Third-Party Sites. The Insulite Health Platform may contain links to other websites (the "Third-Party Sites") for your convenience. We do not control the linked websites or the content provided through such Third-Party Sites. Your use of Third-Party Sites is subject to the privacy practices and terms of use established by the specific linked Third-Party Site, and we disclaim all liability for such use. The availability of such links does not indicate any approval or endorsement by us.

5. Reporting Violations of Your Intellectual Property Rights, Insulite Health Policies, or Applicable Laws

We have a special process for reporting violations of your intellectual property rights or other violations of Insulite Health policies or applicable laws.

1. Copyright and Trademark Policy.  For more information, including detailed information about how to submit a request for takedown if you believe content on the Insulite Health Platform infringes your intellectual property rights, please contact us at [email protected]
2. Reports of Other Violations. If you believe content on the Insulite Health Platform violates Insulite Health's policies or otherwise violates applicable law, contact us at [email protected]

We have no obligation to delete content that you personally may find objectionable or offensive. We endeavor to respond promptly to requests for content removal, consistent with our policies described above and applicable law.

Disclaimers and Limitations of Liability

PLEASE READ THIS SECTION CAREFULLY SINCE IT LIMITS THE LIABILITY OF INSULITE HEALTH ENTITIES TO YOU.

THE "INSULITE HEALTH ENTITIES" MEANS INSULITE HEALTH INC., AND ANY SUBSIDIARIES, AFFILIATES, RELATED COMPANIES, SUPPLIERS, LICENSORS AND PARTNERS, AND THE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES OF EACH OF THEM. EACH PROVISION BELOW APPLIES TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW:

1. WE ARE PROVIDING YOU THE INSULITE HEALTH PLATFORM, SERVICES, INFORMATION, PRODUCTS, PRODUCT DESCRIPTIONS, AND THIRD-PARTY CONTENT ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING, THE INSULITE HEALTH ENTITIES EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, TITLE, ACCURACY AND COMPLETENESS, UNINTERRUPTED OR ERROR-FREE SERVICE, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR TRADE USAGE.
2. THE INSULITE HEALTH ENTITIES MAKE NO PROMISES WITH RESPECT TO, AND EXPRESSLY DISCLAIM ALL LIABILITY, TO THE MAXIMUM EXTENT PERMITTED BY LAW, FOR: (i) CONTENT POSTED BY ANY THIRD-PARTY ON THE INSULITE HEALTH PLATFORM, (ii) THE PRODUCT DESCRIPTIONS OR PRODUCTS, (iii) THIRD-PARTY SITES AND ANY THIRD-PARTY PRODUCT OR SERVICE LISTED ON OR ACCESSIBLE TO YOU THROUGH THE SITE, (iv) PLANTS OR SEEDS FROM THE EXCHANGES, AND (v) THE QUALITY OR CONDUCT OF ANY THIRD-PARTY YOU ENCOUNTER IN CONNECTION WITH YOUR USE OF THE SITE.
3. YOU AGREE THAT UNDER THE MAXIMUM EXTENT PERMITTED BY LAW, THE INSULITE HEALTH ENTITIES WILL NOT BE LIABLE TO YOU UNDER ANY THEORY OF LIABILITY. WITHOUT LIMITING THE FOREGOING, YOU AGREE THAT THE INSULITE HEALTH ENTITIES SPECIFICALLY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, LOSS OF PROFITS, BUSINESS INTERRUPTION, REPUTATIONAL HARM, OR LOSS OF DATA (EVEN IF THE INSULITE HEALTH ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH DAMAGES ARE FORESEEABLE) ARISING OUT OF AND IN ANY WAY CONNECTED WITH YOUR USE OF, OR INABILITY TO USE, THE INSULITE HEALTH PLATFORM OR PRODUCTS. YOUR USE OF THE INSULITE HEALTH PLATFORM, PRODUCTS, INFORMATION, OR SERVICES IS AT YOUR SOLE RISK.

Indemnification.

You agree to fully indemnify, defend, and hold the Insulite Health Entities and their directors, officers, employees, consultants, and other representatives, harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), and other expenses that arise directly or indirectly out of or from: (a) your breach of any part of this agreement; (b) any allegation that any materials you submit to us or transmit to the Insulite Health Platform infringe or otherwise violate the copyright, patent, trademark, trade secret, or other intellectual property or other rights of any third party; (c) your activities in connection with the Insulite Health Platform or other websites to which the Insulite Health Platform is linked; and/or (d) your negligent or willful misconduct.

Dispute Resolution

If you have a dispute with Insulite Health, you agree to contact us at [email protected] to attempt to resolve the issue informally first. If we are not able to resolve the dispute informally, then this section will govern any legal dispute that relates to the Insulite Health Platform or involves our services.

1. Binding Arbitration. You and Insulite Health agree that any dispute, claim or controversy arising out of or relating to this Agreement or to your use of the Insulite Health Platform (collectively "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. This means that you and Insulite Health both agree to waive the right to a trial by jury. Notwithstanding the foregoing, you may bring a claim against Insulite Health in "small claims" court, instead of by arbitration, but only if the claim is eligible under the rules of the small claims court and is brought in an individual, non-class, and non-representative basis, and only for so long as it remains in the small claims court and in an individual, non-class, and non-representative basis.
2. Class Action Waiver. You and Insulite Health agree that any proceedings to resolve Disputes will be conducted on an individual basis and not in a class, consolidated, or representative action. This means that you and Insulite Health both agree to waive the right to participate as a plaintiff as a class member in any class action proceeding. Further, unless you and Insulite Health agree otherwise in writing, the arbitrator in any Dispute may not consolidate more than one person's claims and may not preside over any form of class action proceeding.
3. Arbitration Administration and Rules. The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the "AAA Rules") then in effect, except as modified by this "Dispute Resolution' section. (The AAA Rules are available at http://www.adr.org or by calling the AAA at 001 800 778 7879).
4. Arbitration Process. A party who desires to initiate the arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of California and will be selected by the parties from the AAA's roster of arbitrators with relevant experience. If the parties are unable to agree upon an arbitrator within 7 days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with AAA Rules.
5. Arbitration Location and Procedure. Unless you and Insulite Health agree otherwise, the seat of the arbitration shall be in San Francisco, California. If your claim does not exceed USD$10,000, then the arbitration will be conducted solely on the basis of documents you and Insulite Health submit to the arbitrator, unless you request a hearing and the arbitrator then determines that a hearing is necessary. If your claim exceeds USD$10,000, your right to a hearing will be determined by AAA Rules. Subject to AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration. Hearings may be conducted by telephone or videoconference, if requested and agreed to by the parties.
6. Arbitrator's Decision and Governing Law. The arbitrator shall apply California law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized by law. The arbitrator will render an award within the timeframe specified in the AAA Rules. Judgment on the arbitration may be entered in any court having jurisdiction thereof. Any award of damages by an arbitrator must be consistent with the "Disclaimers and Limitations of Liability" section above. The arbitrator may award declaratory or injunctive relief in favor of the claimant only to the extent necessary to provide relief warranted by the claimant's individual claim.
7. Fees. Each party's responsibility to pay the arbitration filing, administrative and arbitrator fees will depend on the circumstances of the arbitration and are set forth in the AAA Rules.

Communications

You are not required to agree to receive promotional text messages, calls or pre-recorded messages as a condition of using the Insulite Health Platform. By electing to submit your phone number to us and agreeing to these Terms, you agree to receive communications from the Insulite Health Entities, including via text messages, calls, pre-recorded messages, and push notifications, any of which may be generated by automatic telephone dialing systems. These communications include, for example, operational communications concerning your account or use of the Insulite Health Platform, updates concerning new and existing features on the Insulite Health Platform, communications concerning promotions run by us or third parties, and news relating to the Insulite Health Platform and industry developments. Standard text message charges applied by your telephone carrier may apply to text messages we send.

If you wish to stop receiving promotional emails or promotional text messages, we provide the following methods for you to opt-out or unsubscribe: (a) follow the instructions we provide in the email or initial text message for that category of promotional emails or text messages or (b) if you have an account on the Insulite Health Platform, you may opt-out or unsubscribe using your settings.

Miscellaneous.

1. Notice for California Users. Under California Civil Code Section 1789.3, California users of the Insulite Health Platform are entitled to the following specific consumer rights notice: The services are provided by Insulite Health Inc., 1121 13th St. Suite 125 Boulder, CO 80302 USA. If you have a question or complaint regarding the Service, please contact Insulite Health at [email protected] or by writing to our mailing address. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs which may be contacted in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (916) 445-1254 or (800) 952-5210 or Hearing Impaired at TDD (800) 326-2297 or TDD (916) 322-1700.
2. Supplemental Terms for Certain Services. Certain services offered on the Insulite Health Platform may require you to enter into a separate agreement and/or be subject to additional terms. For example: placement of advertisements, participation in brand services, offering products for sale in the Insulite Health Shop, or use of Site Designer each require you to enter into a separate agreement with terms specific to that service. In the event of any conflict between this Agreement and the terms of that separate agreement, the terms of that separate agreement will control.
3. Application Provider Terms. If you access the Insulite Health Platform through an Insulite Health application, you acknowledge that this agreement is between you and Insulite Health only, and not with another application service or application platform provider (such as Apple, Inc. or Google Inc.), which may provide you the application subject to its own terms.
4. Controlling Law and Jurisdiction. This agreement will be interpreted in accordance with the laws of the State of Colorado and the United States of America, without regard to their conflict-of-law provisions. You and we agree to submit to the personal jurisdiction of a federal or state court located in Denver, Colorado for any actions for which the arbitration provision, as set forth in Section 8, does not apply.
5. Export. The Insulite Health Platform is controlled and operated from our United States offices in California. Insulite Health software is further subject to United States export controls. No software for Insulite Health may be downloaded or otherwise exported or re-exported in violation of any applicable laws or regulations. You represent that you are not (1) located in a country that is subject to a U.S. government embargo or that has been designated by the U.S. government as a "terrorist supporting" country, and (2) listed on any U.S. government list of prohibited or restricted parties.
6. Changes. We reserve the right at any time to:
   i. change the terms and conditions of this Agreement, consistent with applicable law.
   ii. change the Insulite Health Platform, including eliminating or discontinuing any information or services or other features in whole or in part; and
   iii. deny or terminate your Insulite Health account, or use of and access to the Insulite Health Platform.

Any changes we make to the Terms will be effective immediately upon our making such changes available on the Insulite Health Platform and posting notice of such changes on the Insulite Health Platform or in another manner in our reasonable discretion. You agree that your continued use of the Insulite Health Platform after such changes constitutes your acceptance of such changes. If you do not agree with any of the updates to this Agreement, you should not use the Insulite Health Platform. Be sure to return to this page periodically to ensure your familiarity with the most current version of the Terms of Use.

1. Languages. English is the authoritative text of this Agreement and all communications, notices, arbitrations and other actions and proceedings relating to this Agreement will be made and conducted in English, even if we choose to provide translations of this Agreement into the native languages in certain countries.
2. Assignment. No terms of this Agreement, nor any right, obligation, or remedy hereunder is assignable, transferable, delegable, or sub licensable by you except with Insulite Health's prior written consent, and any attempted assignment, transfer, delegation, or sublicense shall be null and void. Insulite Health may assign, transfer, or delegate this Agreement or any right or obligation or remedy hereunder in its sole discretion.
3. Waiver. Our failure to assert a right or provision under this Agreement will not constitute a waiver of such right or provision.
4. Headings. Any heading, caption, or section title contained is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof.
5. Further Assurances. You agree to execute a hard copy of this Agreement and any other documents, and take any actions at our expense that we may request to confirm and affect the intent of this Agreement and any of your rights or obligations under this Agreement.
6. Entire Agreement/ Severability. This Agreement supersedes all prior terms, agreements, discussions and writings regarding the Insulite Health Platform and constitutes the entire agreement between you and us regarding the Insulite Health Platform. If any part of this Agreement is found to be unenforceable, then that part will not affect the enforceability of the remaining parts of the Agreement, which will remain in full force and effect.
7. Survival: The following provisions will survive expiration or termination of this Agreement: Section 2 (Your Content), Section 3(d)(Restrictions) and 3(e)(ownership), Section 6 (Disclaimers and Limitations of Liability), Section 7 (Indemnification), Section 8 (Dispute Resolution) and Section 10 (Miscellaneous).
8. Contact. Feel free to contact us by visiting www.insulitehealth.com with any questions about this agreement.

Insulite Health Inc. 1121 13th St. Suite 125, Boulder, CO 80302 USA

Effective 25th May 2018

© 2018. Insulite Health, Inc. All rights reserved.

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