User License, Terms of Use, and Purchase Agreement

Effective Date: June 19, 2026 · CurePoint, Inc.

ARTICLE I — DEFINITIONS

1.1 "Agreement" means this User License, Terms of Use, and Purchase Agreement, including all amendments, updates, policies, and incorporated documents.

1.2 The Privacy Policy and Medical Disclaimer are incorporated into and form part of this Agreement and are incorporated herein by reference.

1.3 "Platform" means The Quartell Protocol website, software, applications, questionnaires, assessments, reports, educational materials, downloads, videos, communications, and all related services provided by CurePoint, Inc.

1.4 "The Quartell Protocol" means the educational platform operated by CurePoint, Inc.

1.5 "Company" means CurePoint, Inc.

1.6 "Protected Parties" means CurePoint, Inc., The Quartell Protocol, Quartell Chiropractic, Dr. David Quartell, DC, and their respective owners, officers, directors, employees, contractors, affiliates, agents, representatives, successors, assigns, licensors, and service providers.

1.7 "Member" means any person who purchases, accesses, registers for, uses, or participates in the Platform.

1.8 "Account" means a Member's registered user account and login credentials.

1.9 "Content" means all information, videos, reports, graphics, assessments, questionnaires, scoring systems, downloads, educational materials, software, methodologies, protocols, written materials, audio content, and visual content available through the Platform.

1.10 "Educational Materials" means all information provided through the Platform for educational and informational purposes.

1.11 "User Data" means any information submitted, entered, uploaded, transmitted, or otherwise provided by a Member.

1.12 "Health Information" means information voluntarily submitted by a Member relating to symptoms, health history, lifestyle habits, exercise habits, nutrition, laboratory values, wellness goals, biometric information, questionnaire responses, or similar information. Health Information submitted through the Platform is submitted for educational purposes and may not receive the same protections applicable to Protected Health Information.

1.13 "Assessment" means any questionnaire, survey, screening tool, evaluation, scoring system, educational assessment, or informational tool made available through the Platform.

1.14 "Report" means any summary, score, ranking, observation, recommendation, educational analysis, or informational output generated through the Platform.

1.15 "Automated Analysis" means any report, calculation, recommendation, observation, score, or educational output generated in whole or in part through software, algorithms, automated systems, artificial intelligence systems, questionnaires, or scoring methodologies.

1.16 "Subscription Services" means any recurring membership, subscription, or ongoing access program offered through the Platform.

1.17 "Dispute" means any claim, controversy, cause of action, demand, disagreement, or legal proceeding arising from or relating to the Platform, this Agreement, a Member's participation, or any transaction between the parties.

1.18 "bodyuser.com" means the website, domain, and related online properties through which The Quartell Protocol may be accessed.

ARTICLE II — ACCEPTANCE OF TERMS

2.1 By purchasing access to, registering for, accessing, or using the Platform, the Member agrees to be legally bound by this Agreement.

2.2 The Member acknowledges that acceptance may occur through electronic means, including clicking an acceptance checkbox, completing registration, making payment, or otherwise accessing the Platform.

2.3 If the Member does not agree to this Agreement, the Member must not access or use the Platform.

2.4 The Member represents and warrants that all information provided during registration is accurate and complete.

ARTICLE III — ELIGIBILITY

3.1 The Platform is intended solely for individuals eighteen (18) years of age or older.

3.2 By using the Platform, the Member represents and warrants that the Member possesses the legal capacity to enter into a binding agreement.

3.3 The Company reserves the right to deny access to any person for any lawful reason and in its sole discretion.

ARTICLE IV — LICENSE GRANT

4.1 Subject to compliance with this Agreement, the Company grants the Member a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for personal educational purposes only.

4.2 No ownership rights are transferred to the Member.

4.3 The license granted under this Agreement may be suspended or revoked at any time for violation of this Agreement.

ARTICLE V — RESTRICTIONS ON USE

5.1 The Member shall not share, transfer, sell, sublicense, assign, distribute, or otherwise provide access to the Platform to any third party.

5.2 The Member shall not copy, reproduce, republish, distribute, modify, translate, create derivative works from, publicly display, publicly perform, or commercially exploit any Content.

5.3 The Member shall not reverse engineer, decompile, disassemble, scrape, extract, harvest, or otherwise attempt to obtain source materials, proprietary methodologies, databases, or software underlying the Platform.

5.4 The Member shall not use any Content, Assessment, Report, methodology, protocol, scoring system, or Educational Material to train artificial intelligence systems, machine learning systems, language models, or similar technologies.

5.5 The Member shall not use the Platform for unlawful purposes or in any manner that interferes with the operation of the Platform.

ARTICLE VI — INTELLECTUAL PROPERTY

6.1 All Content, Educational Materials, Assessments, Reports, scoring systems, questionnaires, methodologies, protocols, software, trademarks, service marks, copyrights, trade dress, trade secrets, and other intellectual property associated with the Platform are owned by or licensed to the Company.

6.2 The Quartell Protocol methodology, educational framework, scoring systems, educational assessments, and associated content constitute proprietary intellectual property.

6.3 Except as expressly authorized by this Agreement, no rights are granted to the Member.

6.4 Unauthorized use may result in termination of access and pursuit of all available legal remedies.

ARTICLE VII — SUBSCRIPTIONS, BILLING, AND PAYMENT

7.1 Certain portions of the Platform may be offered through recurring subscription plans.

7.2 By enrolling in a subscription plan, the Member authorizes recurring charges to the payment method provided.

7.3 Subscription fees may be modified for future billing periods upon reasonable notice.

7.4 Failure of a payment method does not relieve the Member of responsibility for payment obligations.

7.5 The Member is responsible for any applicable taxes, fees, assessments, or governmental charges.

7.6 Cancellation prevents future recurring charges but does not create a right to refund previously paid amounts.

ARTICLE VIII — REFUND POLICY

8.1 All purchases are final.

8.2 No refunds, credits, partial refunds, prorated refunds, or retroactive cancellations shall be provided.

8.3 Access to digital content, educational materials, assessments, reports, downloads, software functionality, and Platform resources constitutes delivery of purchased services.

8.4 Participation, non-participation, dissatisfaction, perceived lack of results, inability to achieve desired outcomes, or discontinuation of use shall not create a right to refund.

ARTICLE IX — PROGRAM MODIFICATIONS

9.1 The Company reserves the right to modify, update, replace, suspend, discontinue, or remove any portion of the Platform at any time.

9.2 Such modifications may include Educational Materials, Assessments, Reports, videos, features, functionality, pricing, membership benefits, software components, scoring systems, questionnaires, or other Platform elements.

9.3 The Company does not guarantee that any particular feature or component will remain available for any specific period of time.

9.4 Platform modifications shall not constitute grounds for refund, chargeback, cancellation, legal claim, or liability.

9.5 The Company may modify, replace, discontinue, add, or remove features, functionality, content, methodologies, assessments, reports, educational materials, or Platform components without prior notice.

ARTICLE X — EDUCATIONAL PURPOSE ONLY

10.1 The Platform is provided solely for educational and informational purposes.

10.2 The Platform is intended to assist Members in learning about anatomy, physiology, lifestyle factors, wellness concepts, and health-related decision making.

10.3 The Platform is not healthcare, medical treatment, chiropractic care, physical therapy, disease management, mental health treatment, nursing services, telehealth services, or any other licensed healthcare service.

ARTICLE XI — NO MEDICAL SERVICES

11.1 No medical services are provided through the Platform.

11.2 No physician services, chiropractic services, healthcare services, diagnostic services, treatment services, or therapeutic services are provided through the Platform.

11.3 The Platform is not intended for emergency use.

11.4 If a Member believes they are experiencing a medical emergency, the Member should immediately contact emergency services, call 911, or seek appropriate emergency medical care.

11.5 The Company undertakes no duty to monitor, review, evaluate, respond to, or act upon information submitted through the Platform, including information relating to symptoms, health concerns, emergencies, medical conditions, healthcare risks, or urgent situations.

ARTICLE XII — NOT INTENDED TO DIAGNOSE, TREAT, CURE, OR PREVENT DISEASE

12.1 The Platform is not intended to diagnose, treat, cure, or prevent any disease, illness, injury, medical condition, or health disorder.

12.2 Any Assessment, Report, recommendation, educational observation, Automated Analysis, score, ranking, informational output, or Educational Material is intended solely for educational purposes.

12.3 Members should consult qualified healthcare professionals regarding medical conditions, diagnoses, treatment decisions, medications, exercise programs, dietary changes, laboratory findings, or healthcare concerns.

12.4 No statement contained within the Platform shall be interpreted as a medical diagnosis, medical opinion, treatment recommendation, prescription, or healthcare directive.

ARTICLE XIII — NO DOCTOR-PATIENT RELATIONSHIP

13.1 Participation in the Platform does not create a doctor-patient relationship, provider-patient relationship, fiduciary relationship, therapist-patient relationship, healthcare relationship, or any similar professional relationship.

13.2 No healthcare provider associated with the Protected Parties is acting as the Member's physician, chiropractor, therapist, healthcare provider, or medical advisor through the Platform.

13.3 Communications, educational materials, assessments, reports, recommendations, informational outputs, or responses provided through the Platform shall not be construed as creating any professional healthcare relationship.

13.4 Members remain solely responsible for obtaining independent medical evaluation, diagnosis, treatment, and healthcare advice from qualified healthcare professionals of their choosing.

13.5 A Member's participation in The Quartell Protocol shall remain educational in nature regardless of whether the Member separately receives chiropractic care, healthcare services, massage therapy, consultations, examinations, or other services from Quartell Chiropractic or any affiliated provider. Participation in The Quartell Protocol does not convert educational content into healthcare services and does not alter the educational nature of the Platform.

ARTICLE XIV — USER DATA AND MEMBER RESPONSIBILITY

14.1 Members are solely responsible for the accuracy, completeness, timeliness, and truthfulness of all User Data submitted through the Platform.

14.2 The Protected Parties have no obligation to verify, investigate, validate, or confirm the accuracy of User Data.

14.3 Reports, assessments, recommendations, educational outputs, and informational materials generated by the Platform may be affected by inaccurate, incomplete, misleading, outdated, or omitted information submitted by the Member.

14.4 The Protected Parties shall not be liable for any consequences arising from inaccurate, incomplete, misleading, or omitted information provided by the Member.

14.5 Members are responsible for maintaining the confidentiality of account credentials and for all activity occurring under their accounts.

14.6 Members acknowledge that User Data may be used, processed, analyzed, aggregated, anonymized, de-identified, and otherwise utilized as described in the Privacy Policy.

ARTICLE XV — PRIVACY AND HIPAA DISCLAIMER

15.1 The Platform is an educational service and is not providing healthcare services through the Platform.

15.2 Information submitted through The Quartell Protocol educational platform is not submitted for purposes of medical diagnosis, treatment, or healthcare services and may not be subject to the same privacy protections applicable to information exchanged during the provision of healthcare services.

15.3 Members should not assume that information submitted through the Platform receives the same legal protections applicable to communications occurring during the provision of medical care.

15.4 Members acknowledge that electronic communications, internet transmissions, cloud-based storage systems, and third-party service providers inherently involve risks that cannot be completely eliminated.

15.5 While reasonable administrative, technical, and operational safeguards may be utilized, no electronic system can guarantee absolute security.

15.6 By using the Platform, Members voluntarily assume the risks associated with electronic transmission and storage of information.

ARTICLE XVI — REPORTS, ASSESSMENTS, AUTOMATED ANALYSIS, AND ARTIFICIAL INTELLIGENCE

16.1 The Platform may generate educational reports, summaries, scores, rankings, observations, recommendations, assessments, informational outputs, and other educational materials.

16.2 Such outputs may be generated through questionnaires, scoring systems, algorithms, software, artificial intelligence systems, automated analysis tools, educational frameworks, or other methodologies.

16.3 All outputs are intended solely for educational and informational purposes.

16.4 Automated systems, algorithms, artificial intelligence systems, educational models, questionnaires, and analytical tools may contain errors, inaccuracies, limitations, omissions, outdated information, or flawed assumptions.

16.5 Members acknowledge that any Report, Assessment, recommendation, observation, score, ranking, Automated Analysis, or educational output may be incomplete, inaccurate, or unsuitable for a particular individual.

16.6 Members agree not to rely upon Platform outputs as a substitute for professional medical judgment, diagnosis, treatment, or healthcare advice.

16.7 Members acknowledge that they are not relying upon any representation, statement, testimonial, example, Report, Assessment, recommendation, observation, educational material, informational output, or Automated Analysis as a guarantee of any specific outcome.

16.8 Members acknowledge that they are not relying upon any oral statement, verbal representation, marketing statement, webinar presentation, social media content, interview, podcast, testimonial, or communication not expressly contained within this Agreement.

ARTICLE XVII — NO GUARANTEE OF RESULTS

17.1 The Protected Parties make no representations, warranties, guarantees, or promises regarding any health, wellness, fitness, longevity, appearance, body composition, performance, symptom improvement, weight loss, weight gain, laboratory values, physical function, mental wellbeing, quality of life, or other outcome.

17.2 Individual results vary substantially based upon numerous factors, including genetics, age, lifestyle, environment, compliance, health status, and circumstances beyond the control of the Protected Parties.

17.3 Past results, testimonials, examples, case studies, educational illustrations, or anecdotal experiences do not guarantee future outcomes.

17.4 The Member acknowledges that no particular result has been promised or guaranteed.

ARTICLE XVIII — DISCLAIMER OF WARRANTIES

18.1 The Platform, Content, Reports, Assessments, Educational Materials, Software, Automated Analysis, and all related services are provided "as is" and "as available."

18.2 To the fullest extent permitted by law, the Protected Parties disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, availability, or uninterrupted operation.

ARTICLE XIX — ASSUMPTION OF RISK

19.1 Participation in the Platform may involve educational information concerning exercise, nutrition, supplementation, sleep, lifestyle habits, behavior modification, stress management, health-related decision making, and other personal choices.

19.2 Members voluntarily assume all risks associated with implementing, modifying, or acting upon information obtained through the Platform.

19.3 Members acknowledge that exercise, physical activity, dietary changes, supplementation, lifestyle modifications, and health-related decisions may involve risks, including injury, illness, adverse reactions, worsening symptoms, disability, or death.

19.4 Members assume full responsibility for all decisions and actions taken as a result of their participation in the Platform.

ARTICLE XX — INDEMNIFICATION

20.1 The Member agrees to indemnify, defend, and hold harmless the Protected Parties from and against any and all claims, demands, actions, liabilities, damages, losses, judgments, settlements, costs, expenses, and attorney's fees arising from or relating to: (a) the Member's use of the Platform; (b) violation of this Agreement; (c) misuse of Platform Content; (d) information submitted by the Member; (e) actions taken by the Member based upon information obtained through the Platform; or (f) violation of any law or rights of any third party.

20.2 This indemnification obligation shall survive termination of the Agreement.

ARTICLE XXI — RELEASE OF LIABILITY

21.1 To the fullest extent permitted by applicable law, the Member voluntarily releases, waives, discharges, and agrees to hold harmless the Protected Parties from any and all claims, causes of action, liabilities, losses, damages, expenses, costs, or demands arising from or relating to: (a) participation in the Platform; (b) use of Platform Content; (c) implementation of educational information; (d) Reports, Assessments, recommendations, observations, or Automated Analysis; (e) decisions made by the Member; and (f) any outcomes resulting from participation in the Platform.

21.2 This release applies regardless of whether the alleged injury, damage, loss, or claim arises from proper use, improper use, misunderstanding, interpretation, implementation, reliance upon, or misuse of Platform information.

ARTICLE XXII — LIMITATION OF LIABILITY

22.1 To the fullest extent permitted by law, the aggregate liability of the Protected Parties for any claim arising out of or relating to the Platform shall not exceed the total amount paid by the Member to the Platform during the twelve (12) months immediately preceding the event giving rise to the claim.

22.2 Under no circumstances shall the Protected Parties be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages.

22.3 The Protected Parties shall not be liable for lost profits, lost revenue, lost business opportunities, loss of goodwill, loss of data, interruption of business, emotional distress, or similar damages.

22.4 The limitations contained herein shall apply regardless of the legal theory asserted.

ARTICLE XXIII — PAYMENT DISPUTES AND CHARGEBACKS

23.1 Access to digital content, educational materials, assessments, reports, videos, downloads, software functionality, and Platform resources constitutes delivery of purchased services.

23.2 Members agree not to initiate chargebacks, payment reversals, or payment disputes for validly authorized transactions.

23.3 Platform access records, login records, usage data, assessment completion records, communication records, download activity, payment records, and other system-generated records may be used as evidence that services were delivered.

23.4 If a Member initiates a chargeback or payment dispute that is determined to be invalid, the Protected Parties may suspend or terminate access and pursue recovery of unpaid amounts, collection costs, administrative expenses, attorney's fees where permitted, arbitration costs, and other available remedies.

ARTICLE XXIV — ACCOUNT SUSPENSION AND TERMINATION

24.1 The Protected Parties reserve the right to suspend, restrict, or terminate access to the Platform at any time for violation of this Agreement.

24.2 Termination shall not create a right to refund, credit, or reimbursement.

24.3 Upon termination, the Member's license to access and use the Platform immediately ceases.

24.4 Suspension or termination may occur with or without notice and at the sole discretion of the Company.

ARTICLE XXV — DISPUTE RESOLUTION AND MANDATORY MEDIATION

25.1 The parties agree to attempt in good faith to resolve any Dispute informally before initiating arbitration or litigation.

25.2 As a condition precedent to arbitration or litigation, the parties shall participate in mediation in Palm Beach County, Florida.

25.3 A party seeking relief shall provide written notice of the Dispute to the other party describing the nature of the Dispute and the relief requested.

25.4 The parties shall attempt to schedule mediation within sixty (60) days after written notice of the Dispute.

25.5 Each party shall bear its own attorney's fees and costs associated with mediation. Mediator fees shall be shared equally unless otherwise agreed in writing.

ARTICLE XXVI — BINDING ARBITRATION

26.1 Except where prohibited by applicable law, any Dispute not resolved through mediation shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association pursuant to its Consumer Arbitration Rules.

26.2 Arbitration shall be conducted in Palm Beach County, Florida. The arbitrator's decision shall be final and binding upon the parties.

26.3 Judgment upon the arbitration award may be entered in any court having jurisdiction.

ARTICLE XXVII — JURY TRIAL WAIVER

To the maximum extent permitted by law, the parties knowingly, voluntarily, and intentionally waive any right to a trial by jury. This waiver applies to any dispute arising from or relating to the Platform, the Agreement, or the relationship between the parties.

ARTICLE XXVIII — CLASS ACTION WAIVER

To the maximum extent permitted by law, all disputes shall be brought solely in an individual capacity. The Member waives any right to participate in a class action, collective action, representative action, mass action, or similar proceeding.

ARTICLE XXIX — GOVERNING LAW AND EXCLUSIVE VENUE

29.1 This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

29.2 To the extent court proceedings are permitted or required, exclusive venue shall lie in Palm Beach County, Florida.

ARTICLE XXX — ELECTRONIC RECORDS AND SIGNATURES

30.1 The Member consents to the use of electronic records, electronic communications, and electronic signatures.

30.2 By clicking "I Agree," completing registration, purchasing access, making payment, or using the Platform, the Member acknowledges execution of this Agreement through legally binding electronic means.

30.3 Electronic records maintained by the Protected Parties shall constitute evidence of acceptance of this Agreement.

ARTICLES XXXI–XXXVI — GENERAL PROVISIONS

Force Majeure: The Protected Parties shall not be liable for delays or failures arising from causes beyond their reasonable control, including acts of God, internet outages, cyberattacks, governmental actions, or similar events.

Entire Agreement: This Agreement constitutes the complete and exclusive agreement between the parties regarding the Platform and supersedes all prior discussions and agreements.

Severability: If any provision is determined invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Survival: Intellectual property rights, payment obligations, indemnification, release of liability, limitation of liability, dispute resolution, arbitration, jury trial waiver, class action waiver, and governing law provisions survive termination.

Assignment: The Company may assign this Agreement without Member consent. Members may not assign this Agreement without written consent.

By purchasing, accessing, registering for, or using the Platform, the Member acknowledges that the Member has read, understood, and agrees to be legally bound by this Agreement.

Contact

CurePoint, Inc.
10625 N Military Tr Ste 203
Palm Beach Gardens, FL 33410
david@quartellchiropractic.com
(561) 625-5556