TERMS OF USE

Welcome to Ratings.MD, an online service offering information about healthcare providers.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE BROWSE OR ACCESS THE RATINGS.MD WEBSITE: BY USING, BROWSING OR ACCESSING THE WEBSITE, YOU ARE CREATING A BINDING CONTRACT BETWEEN YOU AND RATINGS.MDAND AGREEING THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS OF USE AND ARE BOUND BY THESE TERMS.

If you do NOT agree with any of the terms, conditions or requirements of these Terms of Use, please do NOT browse or access the website.

The Ratings.MD website ("Ratings.MD") is provided to You by Ratings MD LLC, including any of its related, affiliated and/or subsidiary companies (individually and collectively, "Ratings.MD," We" or "Us"). Ratings.MD does not provide medical or health advice but offers information on practicing physicians and other healthcare providers. Ratings.MD organizes key information to help patients make informed choices in their search to independently assess particular physicians, long-term care facilities, hospitals, insurers and other providers of healthcare services and persons working on their behalves (collectively, "Healthcare Providers"). The information is free of charge and is offered to the public for its non-commercial use.

The following Terms of Use are a User Agreement that governs Your access to and use of Ratings.MD, including the profiles, objective and subjective ratings, feedback, comments, indexes, scorecards, materials and other informative details about the Healthcare Providers and any other content (collectively, the "Content") and all of the products and services (collectively, the "Products and Services") offered by Ratings.MD available on or through Ratings.MD. The words "User," "You" and "Your" as used in this agreement refer to users of Ratings.MD, including, without limitation, Healthcare Providers who access Ratings.MD to edit any Content related to them and users who post ratings, reviews and/or comments about Healthcare Providers.

USER AGREEMENT

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING OR BROWSING RATINGS.MD OR ANY OF THE CONTENT OR THE PRODUCTS AND SERVICES.

BY ACCESSING, BROWSING OR USING RATINGS.MD OR ANY OF THE CONTENT OR THE PRODUCTS AND SERVICES, YOU, ON BEHALF OF YOURSELF OR YOUR ENTITY, AS APPLICABLE, ACKNOWLEDGE THAT:

YOU ARE AT LEAST 18 YEARS OLD AND HAVE READ AND UNDERSTAND ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT;

YOU AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT;

THIS USER AGREEMENT IS THE LEGAL EQUIVALENT OF A SIGNED, WRITTEN CONTRACT BETWEEN YOU AND RATINGS.MD; AND

IF ACCESSING, BROWSING OR USING RATINGS.MD OR ANY OF THE CONTENT ON BEHALF OF AN ENTITY, YOU HAVE FULL AUTHORITY TO BIND YOUR ENTITY TO ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT.

IF YOU ARE NOT WILLING TO BE OR CANNOT BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING WITHOUT LIMITATION THE ACKNOWLEDGEMENT SET FORTH IN PARAGRAPHS 1-4 ABOVE, THEN DO NOT ACCESS, BROWSE OR USE RATINGS.MD OR ANY OF THE CONTENT OR THE PRODUCTS AND SERVICES. MOREOVER, RATINGS.MD DOES NOT AND WILL NOT GRANT YOU ANY RIGHT OR LICENSE TO ACCESS, BROWSE OR RATINGS.MD, THE CONTENT OR THE PRODUCTS AND SERVICES WITHOUT YOUR WILLINGNESS AND ABILITY TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING WITHOUT LIMITATION, THE PRECEDING ACKNOWLEDGEMENT.

LICENSE

You agree by accessing, browsing or otherwise using Ratings.MD, including the Products and Services, Ratings.MD and the Content are and remain the sole property of Ratings.MD or third-party providers, as applicable. Except as expressly permitted by Ratings.MD in writing, You agree that Your license to access, browse and/or use the Content and Products and Services is limited solely to a personal, revocable, nonexclusive, non-transferable license to (i) access and view Ratings.MD and the Content, and (ii) copy, download and store the Content (e.g., in a temporary cache) to enable printing and/or offline viewing of any such Content solely for Your non-commercial use and not for resale or distribution to anyone else. You also agree that, with respect to any copy of the Content that You download, create, generate, store and/or print, You will reproduce and include all copyright and other proprietary notices included in any such Content.

Except as expressly permitted by Ratings.MD in this User Agreement or otherwise in writing, You will not copy, reproduce, modify, adapt, translate, distribute, transmit, download, upload, post, sell, rent, license, transfer, publicly perform, publicly display, mirror, frame, scrape, extract, wrap, create derivative works of, reverse engineer, decompile or disassemble any aspect of Ratings.MD or any of the Content, in whole or in part, in any form or by any means, whether manual or automatic. Further, You may not use any metatags, meta elements, "hidden text" or other equivalents using the names "Ratings.MD," www.ratings.md, "Ratings.MD," "Ratings.MD account," "Ratings.MD privacy policy" or any other colorable equivalent without the prior written authorization of Ratings.MD.

SUBMISSIONS

You acknowledge and agree that by submitting remarks, suggestions, ideas, graphics, feedback, edits, concepts, comments, reviews, ratings, illustrations and other materials (other than information given in connection with registration) to Ratings.MD through Ratings.MD (individually and collectively, the "Submissions"), you (i) grant Ratings.MD a nonexclusive, royalty-free, perpetual, transferable, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from and publicly display and perform the Submissions throughout the world in any media, now known or hereafter created without attribution, (ii) grant Ratings.MD the right to pursue at law any person or entity that violates Your and/or Ratings.MD rights in Your Submissions, and (iii) forever waive any and all of Your rights, including but not limited to moral rights, if any, in and to Your Submissions, including, without limitation, any all rights or requirements of attribution or identification of You as the author of the Submissions or any derivative thereof. You further acknowledge and agree that Your Submissions are non-confidential and do not contain proprietary information.

Except as described in Ratings.MD Privacy Policy (the "Privacy Policy"), Ratings.MD will not be required to treat any of Your Submissions as confidential, and you acknowledge and agree Ratings.MD may use in connection with its business any of the concepts and ideas contained in Your Submissions (including without limitation, product or advertising ideas) without compensation to You and Ratings.MD will not incur any liability to You as a result of any similarities between concepts and ideas contained in Your Submissions and future Ratings.MD operations and business. Except as otherwise set forth in this User Agreement, Ratings.MD will be entitled to use the Submissions for any commercial or other purpose whatsoever without compensation to You or any other person.

Your Submissions, including personally identifiable information contained therein, are made voluntarily and are subject to the Privacy Policy (see below). You are responsible for the content of Your Submissions and agree to defend (at Ratings.MD option and at Your sole expense), indemnify and hold Ratings.MD harmless from any damages, losses, costs, or expenses, including reasonable attorneys fees, which Ratings.MD may incur as a result of Your Submissions.

With respect to Your Submissions, You acknowledge, warrant and agree that:

If your Submissions concern Healthcare Providers, Your Submissions will be true and accurate, are the original work of Your authorship, only concern or relate to the care or service that You, Your minor child or Your ward received from the Healthcare Providers being reviewed, that You are not related to or employed by the Healthcare Providers being reviewed and that You are not impersonating any other person;

If You are a Healthcare Provider submitting or editing any Content, Your Submissions will be true and accurate, are the original work of Your authorship, You are the Healthcare Provider specifically identified in the Content being submitted or edited, and Your Submissions will only concern You and the services that You provide.

If You are a person authorized by a Healthcare Provider to submit or edit Content specifically related to that Healthcare Provider, Your Submissions will be true and accurate, are the original work of Your authorship, You are authorized by the Healthcare Provider identified in the Content being submitted or edited to make such edits and Submissions and Your Submissions will only concern that Healthcare Provider and the services provided by that Healthcare Provider.

You have the right to make Your Submissions without violating the copyright, trademark, patent or other intellectual property rights of any person or entity, and the Submissions will not contain any content, personally identifiable information (other than the name of the Healthcare Providers being reviewed), information, or materials of any kind that relates or refers to any other person or entity other than the person or entity being reviewed;

Your Submissions will not violate any law, or in any manner infringe or interfere with the rights of others, including but not limited to the use of names, information, or materials that (i) libel, defame, or invade the privacy of any third party, (ii) are obscene or pornographic, (iii) harmful, threatening, offensive, abusive, harassing, vulgar, false or inaccurate, racially, sexually, ethnically or are otherwise objectionable or otherwise contrary to the laws of any place where such Submissions may be accessed, (iv) constitute personal attacks on other individuals, (v) infringe the intellectual property, trade secret or proprietary rights of any third party, (vi) promote criminal or other illegal activity, (vii) promote or advertise any person, product or service or solicit funds, or (viii) are deemed confidential by any contract or policy.

Users, other than Healthcare Providers and persons acting on their behalves who are submitting Content in accordance with these terms and conditions, are permitted to post only one (1) Submissions regarding the same Healthcare Provider, entity, transaction or subject during any thirty (30) day period.

Ratings.MD retains the right to review and delete or remove from public view on Ratings.MD and delete from any other media or server where Your Submissions may be stored or displayed by or on behalf of Ratings.MD, any Submissions, which Ratings.MD in its sole discretion considers illegal, offensive, obscene, abusive, harassing, commercial in nature, infringing, inappropriate or otherwise violates the terms and conditions of this User Agreement. If notified of an allegation that Ratings.MD contains infringing information, materials or other content, Ratings.MD may investigate the allegation and determine in Ratings.MD' sole discretion whether to remove or request the removal of the same from Ratings.MD and from any other media or server where the infringing content may be stored or displayed by Ratings.MD. Notices to Ratings.MD regarding any alleged copyright infringement should be sent to Ratings.MD at support@ratings.md.

USER IDS AND PASSWORDS

Access to certain areas of Ratings.MD, the Content and the Products and Services are limited by a user identifier ("User ID") and password, which are selected and/or supplied by You as part of registering for a service account via the Ratings.MD website ( the "Ratings.MD account"). By registering a Ratings.MD account, You represent, warrant and agree that: (i) You are at least 18 years of age, (ii) You are using Your actual identity, (iii) You have provided only true, accurate, current and complete information about You during the registration process, and (iv) You will maintain and promptly update the information that You provide to keep it true, accurate, current and complete.

By logging onto a Ratings.MD account using a password, You represent, warrant and agree that You are authorized to use such password and to engage in the activities that You conduct thereunder. You further agree that You will be solely responsible for the maintenance and security of Your User ID and password. You also agree that You will be solely responsible for any activities conducted on or through Ratings.MD in connection with Your User ID and password regardless of whether or not You are the individual who undertakes such activities. This includes any unauthorized access and/or use of Your account, Your computer or Your mobile device. Accordingly, You release and hold harmless Ratings.MD from any and all claims and causes of action arising out of or resulting from a third party's unauthorized use of Your Ratings.MD account. Your User ID and password are unique to You, and You agree not to disclose or share Your User ID and password to or with any third party.

Ratings.MD reserves the right to deny or revoke access to Ratings.MD, or any part thereof, at any time in its sole discretion, with or without cause. Your access to Ratings.MD will terminate upon the termination of this User Agreement for any reason at the sole discretion of Ratings.MD. If You wish to cancel a password, or if You become aware of any loss, theft or unauthorized use of a password, please notify Ratings.MD immediately by sending an e-mail to support@ratings.md.

SITE MONITORING

Ratings.MD may monitor or review any areas on Ratings.MD where Users transmit or post communications or communicate solely with each other, for the purpose of promoting its efficiency, usefulness, appropriateness of use and compliance with this User Agreement. However, Ratings.MD does not undertake to monitor or review any or all Submissions, or every posting or communication, and Ratings.MD disclaims any liability related to the content of any such postings and communications, whether or not arising under the laws of copyright, trademarks, libel, privacy, obscenity, or otherwise.

Ratings.MD is not responsible for screening, policing, editing or monitoring the Submissions and other third party statements posted or displayed on Ratings.MD, including, without limitation, all third party advertising posted or displayed on Ratings.MD. While Ratings.MD, from time to time and in its discretion, may monitor the content of the Submissions and other third party communications posted or displayed on Ratings.MD, Ratings.MD does not endorse, support, sanction, encourage, verify, or necessarily agree with the Submissions and other comments, opinions, or statements posted on Ratings.MD by Users and other third parties. Any information or material placed on Ratings.MD by Users or other third parties, including advice and opinions, are solely the views and responsibility of those posting such information or material, and do not necessarily represent the views of Ratings.MD. Ratings.MD reserves all of its rights to discontinue in its sole discretion the Products and Services provided on Ratings.MD in general or to any User or Healthcare Provider at any time.

Subject to the terms of the Privacy Policy, which is incorporated and made part of this User Agreement, Ratings.MD may disclose to third parties any records, electronic communications, information, materials or other content of any kind (i) if Ratings.MD believes in good faith that the law or legal process requires it, (ii) if such disclosure is necessary or appropriate to operate Ratings.MD , or (iii) to protect Ratings.MD' rights and property or the rights and property of Ratings.MD users and business partners.

PRIVACY POLICY

Ratings.MD recognizes the importance of protecting the privacy of Users and visitors to Ratings.MD . The Ratings.MD Privacy Policy is incorporated and made part of this User Agreement. To view the most current version of the Privacy Policy, please visit the Privacy Policy page on the Ratings.MD website or click here, if you are reading this on the Ratings.MD website. Any changes to the Privacy Policy will be communicated on the Privacy Policy page on the Ratings.MD website.

INTELLECTUAL PROPERTY

All right, title and interest in and to the Content, including without limitation the graphical display and arrangement of Ratings.MD and the Content, and all intellectual property rights embodied therein, are the property of Ratings.MD or its licensors or suppliers, including any of the Content that may be stored or displayed by Ratings.MD on other media or servers. Ratings.MD and the Content contained and referenced therein are for informational purposes only. Any reproduction, retransmission or other use is strictly prohibited, except as otherwise provided by this User Agreement or by Ratings.MD' express authorization. Requests for permission to reproduce any of the Content may be made by sending an e-mail to support@ratings.md.

RATINGS.MD is a trademark or service marks (individually and collectively, the "Ratings.MD Marks") owned by Ratings.MD. All other trademarks, service marks, domain names, logos, and company names (collectively "Other Marks") displayed or referred to on Ratings.MD are trademarks, registered trademarks, service marks, domain names, logos, company names of or are otherwise the property of Ratings.MD or their respective owners.

Except as provided in this User Agreement, Ratings.MD does not grant You any rights in or to the Ratings.MD Marks or the Other Marks. You agree that You shall not use the Ratings.MD Marks or the Other Marks in any manner inconsistent with the provisions of this User Agreement, without the prior written authorization of Ratings.MD or the respective owners of the Other Marks as the case may be. Requests to use the Ratings.MD Marks or other Ratings.MD Marks for purposes other than stated in this User Agreement may be made by sending an e-mail to support@ratings.md.

The rating system used on Ratings.MD, methodology therefore and the Ratings.MD ratings of Healthcare Providers are the property of Ratings.MD and may not be reproduced in any manner without the prior written permission of Ratings.MD.

USE OF RATINGS.MD

Without limiting anything else contained in this User Agreement, You agree and acknowledge that:

The Content, Submissions, databases used to store the Content, Submissions, Products and Services ("Databases") and any other information contained therein are valuable intellectual property owned by or licensed to Ratings.MD, and that no proprietary rights therein are being transferred to You by this User Agreement.

You will not, directly or indirectly:

Use any of the Content, Submissions, Databases and any other information contained therein for any purposes other than Your personal, non-commercial evaluation of Healthcare Providers,

Use the Content, Submissions, Databases, Products and Services and any other information contained therein to compile mailing lists or other lists of Healthcare Providers for commercial purposes,

Use the Content, Submissions, Databases, Products and Services and any other information contained therein to establish independent data files or otherwise amass statistical information thereof or therefrom,

Use the Content, Submissions, Databases, Products and Services and any other information contained therein in violation of any applicable laws or regulations,

Publish or distribute in any medium Content, Submissions, Databases, any other information contained therein, and/or summaries or subsets thereof to any person or entity,

Attempt to access or access any other User's account,

Attempt to obtain or ascertain or obtain or ascertain any other User's user name, password and/or personal information by any means whatsoever,

Attempt to elude or elude Ratings.MD' security systems,

Attempt to gain access or gain access to Ratings.MD in a fraudulent manner,

Use Ratings.MD for any purposes other than those intended by Ratings.MD, as determined by Ratings.MD in its sole discretion, or

Upload or submit any data or information containing viruses or any computer code, corrupt files or programs engineered or intended to disrupt or destroy the functionality of any software, hardware, telecommunications, networks, servers, or other equipment.

You specifically acknowledge and agree that any and all misappropriation or misuse of the Content, Submissions, Databases, Products and Services and any other information contained therein will cause irreparable harm to Ratings.MD and that in such event money damages will not constitute sufficient compensation to Ratings.MD; consequently, in the event that You, directly or indirectly, misappropriate or misuse any of the Content, Submissions, Databases, Products and Services and/or any other information contained therein, You specifically consent to Ratings.MD obtaining injunctive relief against You in addition to any other legal or financial remedies to which Ratings.MD may be entitled.

Ratings.MD reserves the right to modify and/or discontinue Ratings.MD at any time, for any reason and without notice, and to terminate Your password and account should you be in violation of this User Agreement, including, but not limited to, the provisions of this section entitled "Use of Ratings.MD".

NOTICE OF ENFORCEMENT

Ratings.MD vigorously enforces its intellectual property rights to the fullest extent of the law. Accordingly, Ratings.MD will not hesitate to prosecute any unauthorized use or reproduction of any of the Content, Submissions, Databases, Products and Services and any other information contained therein that violate the protection afforded by the United States and international copyright law and trademark law, and/or other state, federal, and international laws and regulations, including laws pertaining to contracts, and privacy and publicity.

NO MEDICAL ADVICE

Ratings.MD is not a provider of medical advice and no Content or other information contained on Ratings.MD should be construed as medical and/or health advice. Always seek the advice of Your physician or other qualified Healthcare Provider for answers to any questions You may have regarding a medical or health related condition. Neither the Content, other information contained on Ratings.MD, nor any other service offered by or through Ratings.MD is intended to be relied upon for medical diagnosis or treatment. Never disregard medical advice or delay in seeking it because of something You have read on Ratings.MD.

Ratings.MD does not recommend or endorse any particular Healthcare Provider whose information or ratings appear on Ratings.MD. Rather, Ratings.MD is only a "conduit" or intermediary that provides the aforementioned Content regarding Healthcare Providers. No Content or other information contained on Ratings.MD should be construed as an endorsement of a particular Healthcare Provider. The Content and other information on Ratings.MD include statements of opinion, which are not statements of fact or Ratings.MD's recommendations to utilize the services of any specific Healthcare Provider. You should obtain any additional information necessary to make an informed decision prior to selecting and using any specific Healthcare Provider.

The opinions expressed on DocScores are those of its Users and not Ratings.MD. The Content is presented in summary form, is general in nature, and is provided for informational purposes only. Ratings.MD does not offer advice regarding the quality or suitability of any particular Healthcare Provider for any condition, including specific treatments or health conditions.

You agree to assume all responsibility in connection with choosing any Healthcare Provider, whether or not You obtained information about such Healthcare Provider on or through Ratings.MD. You specifically acknowledge and agree that Ratings.MD is not responsible or liable for any advice, treatment or other services rendered by any Healthcare Provider, or for any malpractice claims and other claims that may arise directly or indirectly from any such advice, treatment or other services.

LINKS

Internet websites and mobile applications that are not owned, operated or controlled by Ratings.MD ("other websites and applications") may link to or from Ratings.MD. Such other websites and applications contain information created, published, maintained, or otherwise posted by organizations not related to and otherwise independent of Ratings.MD. Ratings.MD does not endorse, approve, certify, maintain, or control these other websites and applications and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses or on such applications. Ratings.MD provides the links only as a convenience. Use of any information obtained from such other websites and applications is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness as well as those other websites' and applications' respective terms of use and privacy policies. Neither the inclusion of the link on Ratings.MD nor reference on the other websites and applications to any Healthcare Provider, product, process, or service by name, trade name, trademarks, service mark, manufacturer, or otherwise constitutes or implies endorsement, recommendation, or referral by Ratings.MD. You acknowledge and agree that Ratings.MD shall not be liable for any damages or injury resulting or arising from the content of or access to such other websites and applications.

Ratings.MD does not make any representations or give any warranties or conditions with respect to any information contained in or at such other websites and applications and You acknowledge and agree that Ratings.MD shall not be liable for any damages or injury resulting or arising from the content of or access to such other websites and applications. Ratings.MD does not endorse the individuals, companies or other similar entities, or any products or materials associated with such individuals, companies or other similar entities, which provide a link to Ratings.MD. Unless approved in writing in advance by Ratings.MD, You agree not to: (i) provide or create a link to Ratings.MD, or (ii) create any frames at any other websites or mobile applications pertaining to any of the Content located at Ratings.MD.

DISCLAIMERS

YOU ACKNOWLEDGE, AGREE AND UNDERSTAND THAT:

RATINGS.MD AND THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES AND/OR TYPOGRAPHICAL ERRORS. RATINGS.MD MAY MAKE CHANGES OR IMPROVEMENTS THERETO AT ANY TIME WITHOUT NOTICE. RATINGS.MD AND THE CONTENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND EITHER EXPRESSED OR IMPLIED. RATINGS.MD DISCLAIMS, TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES AND CONDITIONS EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, QUALITY, PERFORMANCE OR SUITABILITY OF THE SITE, THE CONTENT, OR ANY PRODUCTS, SERVICES OR RESULTS OBTAINED ON OR THROUGH RATINGS.MD.

RATINGS.MD DOES NOT REPRESENT OR WARRANT THE AVAILABILITY OF OR YOUR ACCESS TO THE RATINGS.MD.COM WEBSITE, THAT RATINGS.MD AND YOUR USE OF RATINGS.MD WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT RATINGS.MD OR THE SERVER OR CODE THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. RATINGS.MD DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF OR THE RESULT OF THE USE OF RATINGS.MD AND/OR THE CONTENT IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, APPLICABILITY OR OTHERWISE. YOU (AND NOT RATINGS.MD ) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. THE ABOVE EXCLUSION MAY NOT APPLY TO YOU, TO THE EXTENT THAT APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES. IN ADDITION TO THE FOREGOING, YOU AGREE THAT YOUR USE OF RATINGS.MD AND THE CONTENT IS ENTIRELY AT YOUR OWN RISK.

RATINGS.MD MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, THAT RATINGS.MD OR ANY OF THE CONTENT WILL ASSIST YOU IN IDENTIFYING A SUITABLE HEALTHCARE PROVIDER OR FOR ANY OTHER PURPOSE. RATINGS.MD DISCLAIMS ANY AND ALL RESPONSIBILITY AND LIABILITY WITH RESPECT TO ANY AGREEMENTS YOU MAY MAKE WITH OR PRODUCTS OR SERVICES YOU OBTAIN FROM HEALTHCARE PROVIDERS OR THIRD PARTIES WHO OFFER PRODUCTS OR SERVICES ON OR THROUGH RATINGS.MD, AND YOU AGREE TO LOOK SOLELY TO SUCH HEALTHCARE PROVIDERS AND THIRD PARTIES WITH RESPECT TO ANY AND ALL CLAIMS ARISING OUT OF SUCH AGREEMENTS AND/OR SUCH PRODUCTS OR SERVICES.

LIMITATIONS ON LIABILITY

RATINGS.MD WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY CAUSED BY YOUR USE OF RATINGS.MD AND THE CONTENT, INCLUDING BUT NOT LIMITED TO, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OF TRANSMISSION, COMPUTER VIRUS, OR LINE FAILURE. RATINGS.MD WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING BUT NOT LIMITED TO, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS AND DAMAGES THAT RESULT FROM INCONVENIENCE, DELAY, OR LOSS OF USE) THAT RESULT FROM THE USE OF, THE INABILITY TO USE, OR RELIANCE UPON, RATINGS.MD AND THE CONTENT OR ANY PRODUCTS OR SERVICES OBTAINED ON OR THROUGH RATINGS.MD, EVEN IF THERE IS NEGLIGENCE BY RATINGS.MD OR BY AN AUTHORIZED RATINGS.MD REPRESENTATIVE, OR AN AUTHORIZED RATINGS.MD REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR ANY OF THE ABOVE. THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU TO THE EXTENT THAT APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR SUCH DAMAGES. RATINGS.MD' TOTAL LIABILITY TO YOU FOR LOSSES, DAMAGES AND CAUSES OF ACTION WILL NOT BE GREATER THAN THE AMOUNT YOU PAID TO RATINGS.MD, IF ANY, TO ACCESS OR USE RATINGS.MD.

INDEMNITY

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS RATINGS.MD AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS, CONTENT PROVIDERS, CUSTOMERS AND SUPPLIERS FROM AND AGAINST ANY AND ALL CLAIMS, PROCEEDINGS, DAMAGES, INJURIES, LIABILITIES, LOSSES, COSTS AND EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES AND LITIGATION EXPENSES), RELATING TO OR ARISING FROM:

YOUR USE OF RATINGS.MD AND ANY OF THE CONTENT, OR ANY PRODUCTS OR SERVICES OBTAINED ON OR THROUGH RATINGS.MD,

ANY PRODUCTS OR SERVICES YOU OBTAIN BASED, IN WHOLE OR IN PART, ON THE CONTENT AND OTHER INFORMATION VIEWED OR OBTAINED ON, FROM OR THROUGH RATINGS.MD,

ANY BREACH BY YOU OF THIS USER AGREEMENT,

ANY SUBMISSIONS YOU MAKE OR POST ON RATINGS.MD, AND

ANY OTHER ACTIVITY BY YOU ON OR IN CONNECTION WITH RATINGS.MD(INCLUDING, WITHOUT LIMITATION, INFRINGEMENT OF THIRD PARTIES' INTELLECTUAL PROPERTY RIGHTS OR ANY OTHER NEGLIGENT, ILLEGAL OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING RATINGS.MD USING YOUR RATINGS.MD ACCOUNT, YOUR COMPUTER OR YOUR MOBILE DEVICE.

RELEASE FOR FORCE MAJEURE

You absolve and release Ratings.MD and its officers, directors, shareholders, employees, agents, content providers, customers and suppliers from any claim of harm resulting from any cause(s) over which Ratings.MD or they do not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or other damaging code or data, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

TERM AND TERMINATION

This User Agreement will take effect at the earlier of the time You click "I Agree" to this User Agreement or that You access, browse or use Ratings.MD or any of the Content, and continues in perpetuity unless terminated by You in accordance with this provision and/or by Ratings.MD. Ratings.MD reserves the right, at any time and for any reason, without notice to You, (i) to deny You access to Ratings.MD and any of the Content, (ii) to change, remove or discontinue any of the Content or services available on or through Ratings.MD, or (iii) to terminate this User Agreement.

You may terminate this agreement at any time by destroying: (a) all of the Content obtained from Ratings.MD, including, without limitation, permanently deleting all of the Content you have copied or stored on any computer, mobile device and any media; and (b) all related documentation; and (c) if You have installed the Mobile App, also deleting the Mobile App from any existing mobile device upon which you installed it. In addition, and upon Ratings.MD' request, You agree to certify in writing that all of the Content has been destroyed. The warranty disclaimers, limitations and exclusions of liability, reservation and grant of property rights and other terms and conditions of this User Agreement which by their nature are intended to survive and will survive the termination or expiration of this User Agreement for any reason.

NOTICES

Any notice or other document or communication required or permitted hereunder to Ratings.MD will be deemed to have been duly given only if in writing and delivered by any of the following methods:

Email sent to support@ratings.md.

Notices to Ratings.MD shall be deemed delivered when actually received by Ratings.MD.

Any notice or other document or communication from Ratings.MD required or permitted hereunder will be sent to the e-mail address that You provide when You register with Ratings.MD (or any updated e-mail address that You may provide after registering). Such notice will be deemed received by You the business day after the e-mail is sent, whether or not You provided an accurate or current e-mail address.

Should You elect to send or receive e-mail communications of any kind to or from Ratings.MD, You represent and warrant to Ratings.MD that Your e-mail service has appropriate and adequate security systems necessary to prevent unauthorized access to outbound or inbound e-mail transmissions.

JURISDICTION; COMPLIANCE WITH LAWS

Except as set forth otherwise herein, Ratings.MD controls and operates Ratings.MD from the United States of America and makes no representation that the Content is appropriate or available for use in other locations. You are responsible for compliance with applicable local laws including, without limitation, all export and import laws. Some of the Content may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported or re-exported: (i) into (or to a national or resident of) any country to which the U.S. has placed an embargo; (ii) to anyone in the US Treasury Department's Specially Designated national list, or (iii) to anyone on the US Commerce Department's Table of Denial Orders. If You download or use the Content, You represent and warrant that You are not located in, or under the control of, or a national or resident of any such country or on any such list.

Access, browsing and use of Ratings.MD, the Content and this User Agreement, and all matters or issues collateral thereto are all governed by United States federal law and/or the laws of the State of Georgia, without regard to any conflict of laws provisions that would refer to and/or apply the substantive laws of another jurisdiction.

SUBJECT TO THE MANDATORY ARBITRATION PROVISION BELOW, ANY LEGAL ACTION OR PROCEEDING RELATING TO YOUR ACCESS TO, OR DOWNLOADING, INSTALLATION OR USE OF, THE RATINGS.MD WEBSITE SHALL BE INSTITUTED ONLY IN A STATE OR FEDERAL COURT LOCATED IN THE STATE OF GEORGIA, U.S.A., AND YOU AND RATINGS.MD AGREE TO SUBMIT TO THE JURISDICTION OF, AND AGREE THAT VENUE IS PROPER IN, THESE COURTS IN ANY SUCH LEGAL ACTION OR PROCEEDING.

ARBITRATION

Any controversy or dispute between You and Ratings.MD (the "parties") concerning Ratings.MD, the Content, this User Agreement and/or all matters or issues collateral thereto shall be submitted to final and binding arbitration as the sole and exclusive remedy for such controversy or dispute. Any claim shall be made by filing a demand for arbitration within one (1) year following the occurrence first giving rise to the claim. The right and duty of the parties to resolve disputes by arbitration shall be governed exclusively by the Federal Arbitration Act, and arbitration shall take place according to the Commercial Rules of the American Arbitration Association. The arbitration will be held in Atlanta, Georgia. Each of the parties shall bear all of its own costs of arbitration, except that the fees of the arbitrator shall be divided equally between the parties. The arbitrator shall have no authority to amend or modify the terms of this User Agreement or to award punitive or exemplary damages, and the award may be enforced by judgment. Before, during, or after arbitration each party shall have the right, without awaiting the outcome of the arbitration, to seek interim injunctive relief from an appropriate court including but not limited to temporary restraining orders or preliminary injunctions. Seeking any such remedies shall not be deemed a waiver of either party's right to compel arbitration.

WAIVER

No delay or omission by Ratings.MD to exercise any right occurring upon any noncompliance on Your part with respect to any of the terms of this User Agreement will impair any such right or power or be construed to be a waiver thereof. Any waiver by Ratings.MD of any of the covenants, conditions or agreements to be performed by You will not be construed to be a waiver of any succeeding breach thereof or of any covenant, condition or agreement herein contained.

SEVERABILITY

If any portion of this User Agreement is adjudged invalid or unenforceable by an arbitrator or a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and in effect.

INDEPENDENT CONTRACTOR

Ratings.MD is an independent contractor; nothing in this User Agreement shall be construed to create a partnership, joint venture, or agency relationship between You and Ratings.MD.

CONTINUED USE DEEMED ACCEPTANCE

Ratings.MD reserves the right, at its sole discretion, to change, alter, amend or otherwise modify this User Agreement from time to time. Ratings.MD will post any changes on this page (with the effective date of the update near the top of this page). Ratings.MD encourages You to check back and review this agreement for any updates or modifications. After any such modification becomes effective, Ratings.MD will deem Your continued use of Ratings.MD or any of the Content to constitute Your acceptance of and agreement to such modification.

ENTIRE AGREEMENT

This User Agreement constitutes the entire agreement between You and Ratings.MD with respect to Your use of Ratings.MD, the Content and the Products and Services, and supersedes any and all prior understandings or agreements between You and Ratings.MD, whether written or oral. You acknowledge that, in providing You access to and use of Ratings.MD and the Content, Ratings.MD has relied on Your acceptance of this User Agreement.