Privacy Policy

This policy is effective as of July 14, 2025

Last updated: July 26, 2026

Your privacy is important to us. It is Karias Health's policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, Kariashealth.com, the “K-Card”, Faith AI, Provider Search, and other sites and applications we own and operate (the “Services”).

Personal Information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.

In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.

White-Label and Licensed Services

Karias Health may license its platform andtechnology to third-party partners (“Licensees”) who offer the Services to endusers under the Licensee’s own branding. When you access the Services through aLicensee, both this Privacy Policy and the Licensee’s privacy policy may applyto your Personal Information. In such cases:

· Karias Healthprocesses your Personal Information as a service provider or data processor onbehalf of the Licensee, who acts as the data controller or business withrespect to your information.

· The Licensee isresponsible for providing you with notice regarding their collection and use ofyour Personal Information and for obtaining any required consents.

· Karias Health’saccess to and use of your Personal Information is governed by our agreementwith the Licensee and this Privacy Policy.

· For questions abouta Licensee’s privacy practices, please contact the Licensee directly. Forquestions about Karias Health’s practices as described in this Privacy Policy,contact us at info@kariashealth.com.

Our Role inProcessing Your Information

· Depending on how youaccess the Services, Karias Health may act in different capacities with respectto your Personal Information:

· As a Data Controlleror Business: When you access theServices directly through Karias Health (such as through kariashealth.com or aKarias-branded application), we determine the purposes and means of processingyour Personal Information and are responsible for compliance with applicableprivacy laws.

· As a Data Processoror Service Provider: When you access theServices through a white-label Licensee or an employer-sponsored health plan,we may process your Personal Information on behalf of the Licensee or plansponsor (the “Controller”). In this capacity, we process your informationaccording to the Controller’s instructions and our agreement with them. TheController is responsible for ensuring it has a lawful basis to collect yourinformation and share it with us.

· This distinctionaffects your rights and how you should exercise them. If you are unsure whichentity is the Controller of your Personal Information, please contact us and wewill direct you to the appropriate party.

Information we collect falls into one of two categories: "voluntarily provided" information and "automatically collected" information.

"Voluntarily provided" information refers to any information you knowingly and actively provide us when using or participating in any of our Services.

"Automatically collected" information refers to any information automatically sent by your devices in the course of accessing Services.

Log Data

When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit, device and advertising identifiers, operating system, pages that you visit before and after using the Services, information about the links you click and pages you view within the Services, and other standard server log information. We may also automatically collect technical information (such as time zone setting and location, and other technology on the devices) used to access the Services. We may also use other automatic technologies such as web server logs, pixels and web beacons. We may also collect certain location information when you use our Services, such as your mobile device's GPS signal, or information about nearby WiFi access points and cell towers. Please refer to our Cookie Notice for more details about our use of cookies and other tracking mechanisms.

We may also receive information about you from other sources, including through third-party services and organizations. We may combine our first-party data, such as your email address or name, with third-party data from other sources and use this to contact you (e.g. through direct mail).

Additionally, if you encounter certain errors while using the Services, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem. You may or may not receive notice of such errors, even in the moment they occur, that they have occurred, or what the nature of the error is.

Please be aware that while this information may not be personally identifying by itself, it may be possible to combine it with other data to personally identify individual persons.

Personal Information

Information Received from Licensees and Partners

When you access the Services through a white-labelLicensee or partner, we may receive your Personal Information from thatLicensee rather than directly from you. This information may include:

· Registration andaccount information provided to the Licensee

· Health informationand insurance coverage details submitted through the Licensee’s platform

· Usage data andtechnical information generated through your use of Services offered by theLicensee

· Inthese cases, the Licensee is responsible for ensuring it has a lawful basis(such as your consent or a contract with you) to share your PersonalInformation with us. We process such information in accordance with ouragreement with the Licensee and this Privacy Policy.

We may ask for Personal Information - for example, when you submit content to us, when you subscribe to our newsletter, when you register an account or when you contact us – which may include one or more of the following:

‍Information We Collect

Name
Email
Date of birth
Social Security Number
Gender
Phone/mobile number
Home/mailing address
Zip Code
Health Insurance Coverage
Member ID

Sensitive Information

"Sensitive information" or "special categories of data" is a subset of Personal Information that is given a higher level of protection under applicable state or federal laws. Examples of sensitive information include information relating to your racial or ethnic origin, trade union or other professional associations or memberships, sexual orientation, health information, or biometric information.

The types of sensitive information that we may collect about you include:

Health informationsuch as appointment dates, provider searches, and information about your healththat you choose to provide through the Services.

We will not collect sensitive information about you without first obtaining your consent, or where you access the Services through a Licensee, without the Licensee havingobtained your consent on our behalf or having another lawful basis to sharesuch information with us. We will only use or disclose your sensitive information as permitted, required, or authorized by law.

HIPAA and Protected Health Information

Karias Health provides Services toemployer-sponsored health plans and, through our white-label Licensees, toother entities that may be Covered Entities or Business Associates under theHealth Insurance Portability and Accountability Act (“HIPAA”). Where KariasHealth receives, maintains, or transmits Protected Health Information (“PHI”)on behalf of a Covered Entity or Business Associate, we do so pursuant to aBusiness Associate Agreement (“BAA”) that governs our use and disclosure ofsuch PHI.

When we act as a Business Associate:

· Our use anddisclosure of your PHI is governed by the applicable BAA and HIPAA, which mayimpose stricter requirements than this Privacy Policy.

· You may haveadditional rights under HIPAA with respect to your PHI, including the right torequest access, amendment, and an accounting of disclosures. To exercise theserights, please contact the Covered Entity (such as your health plan or youremployer’s benefits administrator) directly.

· In the event of aconflict between this Privacy Policy and our obligations under a BAA or HIPAA,the BAA and HIPAA will control with respect to PHI. If you access the Servicesthrough a white-label Licensee, the Licensee may have its own BAA with KariasHealth and/or with the applicable Covered Entity. Please contact the Licenseeor your health plan for information about how your PHI is handled.

Telehealth

Karias Health may provide a link to telehealth services, but does not provide medical services or medical advice.

Legitimate Reasons for Processing Your Personal Information

We only collect and use your Personal Information when we have a legitimate reason for doing so. In which instance, we only collect Personal Information that is reasonably necessary to provide our services to you.

Collection and Use of Information

We may collect Personal Information from you when you do any of the following on our website:

Register for an account
Sign up to receive updates from us via email or social media channels
Use a mobile device or web browser to access our content
Contact us via email, social media, or on any similar technologies
When you mention us on social media

We may collect, hold, use, and disclose Personal Information for the following purposes, and Personal Information will not be further processed in a manner that is incompatible with these purposes:

to provide you with our platform's core Services
to enable you to customize or personalize your experience through our Services
to fulfill your requests for Services and information
to contact and communicate with you
for analytics, market research, and business development, including to operate and improve our Services
for advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
to enable you to access and use our Services
for internal record keeping and administrative purposes
to prevent potentially prohibited or illegal activities;
to protect our rights and the rights of other users;
for any other purposes disclosed to you at the time we collect your information or pursuant to your consent.

We may combine voluntarily provided and automatically collected Personal Information with general information or research data we receive from other trusted sources. For example, our marketing and market research activities may uncover data and insights, which we may combine with information about how visitors use our Services to improve them and your experience on it.

Security of Your Personal Information

When we collect and process Personal Information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification.

Where we provide Services through white-labelLicensees, our agreements with Licensees require them to implement appropriatetechnical and organizational security measures to protect the PersonalInformation they receive through the Services.

Although we will do our best to protect the Personal Information you provide to us, we advise that no method of electronic transmission or storage is 100% secure and no one can guarantee absolute data security.

You are responsible for selecting any password and its overall security strength, ensuring the security of your own information within the bounds of our services. For example, ensuring any passwords associated with accessing your Personal Information and accounts are secure and confidential.

How Long We Keep Your Personal Information

We keep your Personal Information only for as long as we need to for the purposes described in this policy. This time period may depend on what we are using your information for, in accordance with this privacy policy. For example, if you have provided us with Personal Information as part of creating an account with us, we may retain this information for the duration your account exists on our system. If your Personal Information is no longer required for this purpose, we will delete it or de-identify it by removing all details that identify you.

However, if necessary, we may retain your Personal Information for our compliance with a legal, accounting, or reporting obligation or for archiving purposes in the public interest, scientific, or historical research purposes or statistical purposes.

Children’s Privacy

The Services are intended for use in the United States only by users over the age of 18. If you access this Services from outside the United States, if you choose to provide Personal Information, you do so on your own initiative and at your own risk and are responsible for compliance with all applicable laws and regulations.

We do not direct our Services directly at children under the age of 13 and we do not knowingly collect personal information about children under 13. If we learn that we have collected Personal Information directly from a child under the age of 13 through our Services, we will take reasonable steps to delete that information as soon as practicable. If you believe someone under the age of 13 has provided us with personal information, please email info@kariashealth.com.

Disclosure of Personal Information to Third Parties

We may disclose Personal Information to:

a parent, subsidiary or affiliate of our company
third-party service providers for the purpose of enabling them to provide their services, including (without limitation) IT service providers, data storage, hosting and server providers, analytics, error loggers, debt collectors, maintenance or problem-solving providers, marketing providers, professional advisors, and payment systems operators
health care providers, pharmacies, laboratories, government agencies, insurance companies, and other entities relevant to providing you with the Services; we will seek your express consent to do so where required
our employees, contractors, and/or related entities
our existing or potential agents or business partners
credit reporting agencies, courts, tribunals, and regulatory authorities, in the event you fail to pay for goods or services we have provided to you
courts, tribunals, regulatory authorities, and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise, or defend our legal rights or the rights of other users or the public
third parties, including agents or sub-contractors who assist us in providing information, products, services, or direct marketing to you
third parties to collect and process data
white-labelLicensees who offer the Services under their own branding, including sharingPersonal Information necessary to enable the Licensee to provide the Servicesto you, respond to your inquiries, and fulfill their contractual obligations to you
an entity that buys, or to which we transfer all or substantially all of our assets and business

Third parties we currently use include, but notlimited to, the vendors listed below. If you access the Services through awhite-label Licensee, the Licensee may use additional or different third-partyservice providers; please refer to the Licensee’s privacy policy for details:

Google Analytics
HubSpot
Advanced Call CenterTechnology
Ferry Health
HeyMarket
Amazon Web Services

International Transfers of Personal Information

The Personal Information we collect is stored and/or processed in United States of America (the) or where we or our partners, affiliates, and third-party providers maintain facilities.

The countries to which we store, process, or transfer your Personal Information may not have the same data protection laws as the country in which you initially provided the information. If we transfer your personal information to third parties in other countries: (i) we will perform those transfers in accordance with the requirements of applicable law; and (ii) we will protect the transferred Personal Information in accordance with this privacy policy.

Your Rights and Controlling Your Personal Information

Your choice: By providing Personal Information to us, you understand we will collect, hold, use, and disclose your Personal Information in accordance with this privacy policy. You do not have to provide Personal Information to us, however, if you do not, it may affect your ability to use the Services.

Information from third parties: If we receive Personal Information about you from a third party, we will protect it as set out in this privacy policy. If you are a third party providing Personal Information about somebody else, you represent and warrant that you have such person’s consent to provide the Personal Information to us.

Marketing permission: If you have previously agreed to us using your Personal Information for direct marketing purposes, you may change your mind at any time by contacting us using the details below. No mobile information or text messaging opt-in data will be shared with third parties or affiliates for marketing or promotional purposes.

Access: You may request details of the Personal Information that we hold about you.

Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, please contact us using the details provided in this privacy policy. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading, or out of date.

Non-discrimination: We will not discriminate against you for exercising any of your rights over your Personal Information. Unless your Personal Information is required to provide you with a particular service or offer (for example providing user support), we will not deny you Services and/or charge you different prices or rates for Services, including through granting discounts or other benefits, or imposing penalties, or provide you with a different level or quality of goods or services.

Notification of data breaches: We will comply with laws applicable to us in respect of any data breach.

Complaints: If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact a regulatory body or data protection authority in relation to your complaint.

Unsubscribe: To unsubscribe from our email database or opt-out of communications (including marketing communications), please contact us using the details provided in this privacy policy, or opt-out using the opt-out facilities provided in the communication. We may need to request specific information from you to help us confirm your identity.

Exercising Your Rights When Accessing ServicesThrough a Licensee: If you access theServices through a white-label Licensee, requests to access, correct, delete,or otherwise exercise rights over your Personal Information should generally bedirected to the Licensee, as they are the controller of your information. If yousubmit a request to Karias Health and we determine that we are acting as aprocessor on behalf of a Licensee, we will either (a) forward your request tothe Licensee, or (b) direct you to contact the Licensee directly, unless we arelegally required to respond to your request ourselves.

Business Transfers

If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include data, including your Personal Information, among the assets transferred to any parties who acquire us. You acknowledge that such transfers may occur, and that any parties who acquire us may, to the extent permitted by applicable law, continue to use your Personal Information according to this policy, which they will be required to assume as it is the basis for any ownership or use rights we have over such information.

Similarly, if a white-label Licensee through whomyou access the Services is acquired or transfers its business, your PersonalInformation may be transferred to the acquiring party, subject to theLicensee’s privacy policy and applicable law.

Do Not Track

Some browsers have a "Do Not Track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "Do Not Track" signals.

We adhere to the standards outlined in this privacy policy, ensuring we collect and process personal information lawfully, fairly, transparently, and with legitimate, legal reasons for doing so.

Limits of Our Policy

Our Services may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.

If the changes are significant, or if required by applicable law, we will contact you (based on your selected preferences for communications from us) and all our registered users with the new details and links to the updated or changed policy.

If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information.

Your Rights

Your local laws may permit you to request that we:

provide access to and/or a copy of certain information we hold about you;
prevent the processing of your information for direct-marketing purposes (including any direct marketing processing based on profiling);
update or rectify information which is out of date or incorrect;
delete certain information which we are holding about you;
oppose, cancel, or restrict the way that we process and disclose certain information;
transfer your information to a third-party provider of services;
revoke your consent for the processing of your information.

We will consider all requests and provide our response within the time period stated by applicable law. Please note, however, that certain information may be exempt from such requests in some circumstances, which may include if we need to keep processing your information for our legitimate interests, to comply with a legal obligation. We may request you provide us with information necessary to confirm your identity before responding to your request as required or permitted by applicable law. If you would like further information in relation to your legal rights under applicable law, or would like to exercise those rights, please email us at the address below. Please be sure to include your name, address (including the state where you reside), and email address so we can respond to your request in the time frame required under your state’s laws.

Contact Us

For any questions or concerns regarding your privacy, you may contact us using the following details:

Info@Kariashealth.com

COOKIE NOTICE

We use cookies to collect information about your browsing activities over time and across different websites following your use of our Services. They allow us to recognize and count the number of users, to see how users move around the Services when they are using it and assess our internal performance and functionality needs. This helps us to improve the services we provide to you and the way the Services works. You can find more information about cookies and how to manage them at http://www.allaboutcookies.org/.

In addition to cookies that are “strictly necessary” which are required for the proper operation of our Services, we may use the following cookies:

Functionality cookies: these cookies record information about choices you’ve made and allow us to tailor our Services to you. These cookies mean that when you continue to use or come back to our Services, we can provide you with our Services as you have asked for them to be provided.

These cookies allow us to:

Save your location preference if you have set your location on your homepage;
Remember settings you have applied, such as layout, text size, preferences, and colors;
Show you when you are logged in; and
Store accessibility options.

Performance and Analytics cookies: these cookies help us analyze how our Services are accessed, used, or are performing in order to provide you with a better user experience and to maintain, operate and continually improve our Services. They allow us to count visitors and traffic to our Services. All information collected from analytic cookies is aggregated so it is not identifiable.

These cookies allow us to:

Better understand our Services visitors so that we can improve how we present our content;
Test different design ideas for pages, such as our homepage;
Collect information about visitors of our Services such as where they are located and what browsers they are using;
Determine the number of unique users of our Services;
Improve our Services by measuring any errors that occur; and
Conduct research and diagnostics to improve product offerings.

Marketing: We may use Google Analytics marketing cookies to help in our marketing efforts.

You may opt-out of functionality cookies and performance cookies at any time by clicking the “Manage Cookies” link at the bottom of the page. You can then adjust the available sliders to “On” or “Off,” then clicking “close”.

Alternatively, you can change your preferences by changing the settings in your browser. Most browsers will allow you to choose the level of privacy settings you want. This lets you control your cookie settings so that you can:

See what cookies or other locally stored data you’ve got and delete them on an individual basis;
Block third party cookies or similar technology;
Block cookies or similar technology from websites;
Block all cookies or similar technologies from being set; or
Delete all cookies or similar technologies when you close your browser.

For more information on how to manage the most popular browsers, please see below: