Professional User Terms of Service

(For SOA Vault & HealthLink Secure Agents/Doctors)

Last Updated: March 3, 2026

1. Agreement to Terms

These Professional User Terms of Service (“Terms”) constitute a binding legal agreement between Ardor Service LLC d/b/a Informed + Choice (“Company,” “we,” or “us”) and you (“Customer,” “Agent,” or “Provider”). These Terms govern your access to the HealthLink Secure platform, including the SOA Vault and ACA Vault services (collectively, the “Services”).

BY CLICKING “I AGREE” OR ACCESSING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS.

2. HIPAA Compliance & Business Associate Agreement

To the extent you use the Services to store, transmit, or process Protected Health Information (PHI), you agree to be bound by the Business Associate Agreement (BAA) located at https://informedpluschoice.com/legal/baa, which is hereby incorporated by reference into these Terms.

3. Subscription & Fees

3.1 Fees

You agree to pay the subscription fees specified at checkout (e.g., $9.99/month for SOA Vault). All fees are non-refundable except as required by law.

3.2 Auto-Renewal

Subscriptions automatically renew until you cancel.

3.3 Cancellation

You may cancel at any time. Upon cancellation, your ability to create new documents will cease, but access to existing records will be governed by the Data Retention Policy below.

4. Your Responsibilities

4.1 Compliance

You are solely responsible for ensuring your use of the Services complies with all applicable laws, including CMS Marketing Guidelines, HIPAA, and the Telephone Consumer Protection Act (TCPA).

If you use our audio recording features, YOU WARRANT that you have obtained all necessary consents from all parties on the call, as required by your state’s wiretapping laws. You agree to indemnify Company for any claims arising from your failure to obtain consent.

4.3 Signing Links

You are responsible for verifying the identity of any individual to whom you send a digital signing link.

5. Data Retention & Offboarding

5.1 CMS Retention

You acknowledge that CMS regulations may require you to retain Scope of Appointment (SOA) and audio records for ten (10) years.

5.2 Vault Export

Upon cancellation, we provide a “Vault Export” tool to allow you to retrieve your data.

5.3 Deletion

We will not delete your vaulted data unless you explicitly confirm receipt of your Export. If you fail to export your data, we may retain it in dormant status (subject to storage fees or deletion after notice) or as required by law.

6. Prohibited Uses

You will not:

Use the Services for any illegal purpose, including insurance fraud or unauthorized marketing.
Attempt to reverse engineer the platform or scrape data.
Use any PHI accessed via the Services to train Artificial Intelligence (AI) models.

7. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SERVICES WILL MEET CMS AUDIT REQUIREMENTS FOR EVERY SPECIFIC CARRIER OR SCENARIO.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to defend, indemnify, and hold harmless Informed + Choice from any claims, damages, or fines (including HIPAA fines or TCPA damages) arising out of your misuse of the Services, your violation of laws, or your failure to obtain necessary beneficiary consents.