Terms of Service

Effective Date: July 31, 2026 Last Updated: July 31, 2026

IF THIS IS A MEDICAL EMERGENCY, CALL 911 OR GO TO THE NEAREST EMERGENCY DEPARTMENT IMMEDIATELY. DO NOT USE THE SERVICES TO SEEK HELP IN AN EMERGENCY.

These Terms of Service ("Terms") govern your access to and use of the websites, portals, and applications operated by Anjoy Collective, Inc., a Delaware corporation doing business as Aloe Health ("Aloe," "we," "us," or "our"), including aloehealth.co and any related member, employer, or broker portal (collectively, the "Services").

THIS DOCUMENT CONTAINS IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, INCLUDING DISCLAIMERS OF WARRANTY, LIMITATIONS ON OUR LIABILITY, A LIMITATION ON THE TIME TO FILE CLAIMS, AND, FOR BUSINESS USERS, AN AGREEMENT TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION AND A WAIVER OF CLASS ACTIONS. PLEASE READ IT CAREFULLY.

By accessing or using the Services, you accept and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the Services.

1. Definitions

"Beneficiary" means an individual eligible for benefits under a Plan as a dependent of a Participant.

"Carrier" means an insurance company that offers or maintains an insurance plan. Aloe is not a Carrier.

"Employer" means an employer or plan sponsor that engages Aloe to administer benefits.

"ICHRA" means an individual coverage health reimbursement arrangement.

"Participant" or "Member" means an individual eligible to participate in a Plan administered by Aloe.

"Partner" means a broker, agency, consultant, or other party that assists an Employer or Participant in connection with the Services.

"Plan" means an Employer's ICHRA or other benefit arrangement administered by Aloe.

"Plan Documents" means the plan document, summary plan description, notices, and other materials that define eligibility, contribution, spending, and reimbursement terms under a Plan.

"Qualified Medical Expense" means a medical expense as defined under Section 213(d) of the Internal Revenue Code.

"Services Agreement" means a signed written agreement between Aloe and an Employer, Partner, or other party governing administration services.

2. Who We Are

Aloe Health is a third party administrator licensed by the Michigan Department of Insurance and Financial Services. We administer ICHRAs and Qualified Medical Expense reimbursement on behalf of Employers and Plans.

We are not an insurance company. We do not underwrite coverage, bear insurance risk, or issue policies. Coverage is issued by licensed Carriers under contracts between the Carrier and the covered individual or the Employer.

We are not an insurance producer, agent, or broker. We do not sell insurance, recommend specific policies, or act as broker of record. Licensed insurance advice and enrollment assistance are provided by independent brokers and agencies, who are not our employees or agents.

We are not a custodian, trustee, or fiduciary of Plan assets, and we do not exercise discretionary authority or control over a Plan. Our role is ministerial and administrative.

We are not a bank. We are not an FDIC insured depository institution and we do not hold deposits. Funds custody, payment processing, and card services are provided by third-party financial institutions and payment providers under separate agreements.

3. Relationship to Other Agreements

Order of precedence, highest to lowest:

Plan Documents and required legal notices
A signed Services Agreement, business associate agreement, or broker agreement
These Terms
Any other content on the Services

If a signed agreement conflicts with these Terms, the signed agreement controls as to its subject matter. Nothing in these Terms modifies a signed agreement or a Plan Document.

Nothing on the Services is an offer to contract, a binding quote, or a guarantee of coverage, eligibility, or reimbursement.

4. Eligibility and Accounts

You must be at least 18 years old to use the Services. Beneficiaries under 18 are enrolled by the Participant or Employer and do not create accounts or submit information directly.

If you use the Services on behalf of an Employer, Partner, or other organization, you represent that you are authorized to bind that organization. We may rely on instructions given by any person using your credentials or designated by you as an authorized administrator.

You agree to provide true, accurate, current, and complete information, to keep it current, and to keep your credentials confidential. Notify us promptly at hello@aloehealth.co of suspected unauthorized access. You are responsible for all activity under your account. We may disable any credential at any time in our sole discretion.

We may suspend or terminate an account at any time, including for suspected fraud, misuse, or nonpayment by the sponsoring Employer.

5. Not Medical, Legal, or Tax Advice

Not medical advice. Content and tools on the Services are informational. They are not a diagnosis, a treatment recommendation, or a substitute for the judgment of a licensed clinician. Provider, network, and pricing data are supplied by third parties and may be incomplete or out of date. Confirm network participation and price directly with the provider and the Carrier before receiving care.

We do not practice medicine. Any clinical services available in connection with Plans we administer are delivered by independent providers and medical practices that are not owned, employed, or supervised by Aloe. Each provider is solely responsible for the care it delivers and for its own professional and licensing obligations. Aloe has no control over clinical decisions and is not liable for the acts or omissions of any provider. Your clinical relationship is with the provider, not with Aloe. Providers furnish their own notices of privacy practices and consent forms.

Not legal or tax advice. Health reimbursement arrangements carry legal and tax consequences under the Internal Revenue Code, ERISA, the Affordable Care Act, and applicable state insurance codes. Content on the Services is general information. Whether a reimbursement is tax-free depends on Plan terms and your circumstances. Consult your own counsel and tax advisor. You are responsible for any taxes, penalties, or excise amounts assessed against you.

6. Plan Terms Are Set by the Employer

For Plans we administer, the Employer determines plan design, employee classes, allowance amounts, eligibility rules, and effective dates. Aloe applies those rules as directed.

Amounts, eligibility statuses, and balances shown on the Services reflect information supplied by the Employer, its payroll or HRIS system, Carriers, and other sources. They are subject to correction. Aloe is not responsible for inaccurate or untimely information supplied by third parties, and displayed figures do not create an entitlement to payment.

7. Carriers, Enrollment, and Coverage

We do not control Carriers. Aloe disclaims responsibility and liability for the acts, omissions, errors, and delays of Carriers, brokers, agencies, providers, pharmacies, and other third parties. This includes any failure to accept an application, bind or issue a policy, apply an effective date correctly, maintain an enrollment, process a termination, or bill accurately or on time. This disclaimer extends to the direct and indirect consequences of those failures, including uncovered medical expenses.

You are responsible for your coverage. Selecting a plan is your decision. You are responsible for reviewing plan documents, confirming the plan meets your needs, and paying premiums when due. If premium payments lapse or are discontinued for any reason, your Carrier may terminate your coverage. Aloe has no liability for a lapse or termination, even where substantial medical costs are incurred.

Consent to transmit information. By using the Services to enroll in or maintain coverage, you authorize Aloe to transmit the information necessary to process your enrollment to the applicable Carrier, broker of record, and their agents. This may include your name, address, date of birth, Social Security number, dependent information, and payment details. A Carrier cannot issue a policy without this information. Your information is handled by the recipient under its own privacy practices.

Keeping your information current. You are responsible for promptly reporting qualifying life events, address changes, and dependent changes. Missing a deadline may affect your eligibility or coverage.

8. Quotes, Estimates, and Pricing Errors

Any quotes, illustrations, calculations, cost estimates, and projections shown on the Services are estimates based on assumptions and third-party data available at the time of generation. They are not binding and actual costs will vary. Rates, plan availability, and prices change without notice.

If a price, fee, or amount is displayed incorrectly due to a typographical error or an error in information received from a third party, we reserve the right to correct it and to refuse or cancel any transaction based on the incorrect amount, whether or not the transaction was confirmed. If an amount has already been charged and the transaction is cancelled, we will issue a corresponding credit.

9. Funding and Payments

Employer funding. Employers fund allowances, reimbursements, and fees under their Services Agreement, which contains the applicable debit authorization and governs advances, reserves, and fees. Nothing in these Terms modifies that agreement. Aloe is not obligated to advance funds.

Member deposit authorization. If you are a Participant and you provide bank account details to receive reimbursements, you authorize Aloe and its financial partners to initiate credits to that account and to initiate debits to correct erroneous entries or recover amounts reimbursed in error. You authorize verification of the account, including test transactions of less than one dollar. You represent that you are an authorized signer on the account. You may withdraw this authorization by contacting hello@aloehealth.co, which may take up to three business days to process. Withdrawal does not discharge amounts you owe under Section 10.

Card and processing services. Payment processing, funds custody, and card issuance are performed by third-party providers under their own terms, which you may be required to accept separately. We do not store full payment card numbers.

Funding failures. If your Employer or another responsible party fails to fund an amount, Aloe is not liable to pay reimbursements, care, or other costs from its own funds.

10. Reimbursement and Substantiation

Reimbursement of a submitted expense depends on the applicable Plan terms, available Employer funding, substantiation requirements, and applicable law. Submitting an expense is not a guarantee of payment.

You agree to submit accurate documentation, to use funds only for expenses permitted by the Plan, and to repay any amount reimbursed in error, reimbursed on the basis of inaccurate information, or later determined to be ineligible. Aloe may offset an overpayment against future reimbursements or pursue collection.

Benefit determinations under an ERISA-covered Plan are subject to the claims and appeals procedures in the Plan Documents. Nothing in these Terms limits your right to an internal appeal or, where applicable, external review.

11. Acceptable Use

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

use the Services in violation of law or of any Plan Document or agreement
submit false, fraudulent, or misleading information, including fabricated receipts or eligibility data
access another person's account or protected health information without authorization
scrape, crawl, harvest, or bulk-extract data from the Services
reverse engineer, decompile, disassemble, or attempt to derive source code
probe, scan, or test the vulnerability of the Services, or breach or bypass any access control or authentication measure
interfere with the proper working of the Services, including by denial-of-service attack
introduce viruses, trojan horses, worms, logic bombs, or other malicious code
impersonate Aloe, an Aloe employee, another user, or any other person or entity
transmit unsolicited advertising or promotional material to other users
use the Services to build, train, benchmark, or evaluate a competing product
use the Services as a service bureau or for the benefit of unaffiliated third parties
upload content that infringes or violates the rights of another party

Violations of system or network security may result in civil or criminal liability. We may investigate and cooperate with law enforcement in prosecuting users involved in such violations.

12. Intellectual Property and Trademarks

The Services, including all software, content, design, text, graphics, and their selection and arrangement, are owned by Aloe or its licensors and protected by United States and international intellectual property law. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose. No other rights are granted.

The Aloe Health name and logo, and all related names, logos, product and service names, and slogans are trademarks of Aloe. You may not use them without our prior written permission. All other marks appearing on the Services are the property of their respective owners.

If you send us feedback or suggestions, you grant us an unrestricted, perpetual, royalty-free right to use them without obligation to you.

13. Reliance on Information; Accuracy

Information on the Services is provided for general information purposes. We do not warrant its accuracy, completeness, or usefulness. Any reliance you place on it is at your own risk. The Services may contain typographical errors, inaccuracies, or omissions, and content may be changed or updated without notice. We reserve the right to correct any inaccuracy without notice. If you find an error, please tell us at hello@aloehealth.co.

Content provided by third parties reflects the views of those parties and not necessarily ours. We are not responsible or liable for third-party content or its accuracy.

14. Third-Party Services and Links

The Services integrate with and link to third parties, including Carriers, providers, payroll and HRIS systems, pharmacy vendors, price transparency data sources, and payment processors. We do not control those parties and are not responsible for their content, availability, acts, or omissions. Your dealings with them are between you and them and may be subject to their own terms and privacy policies. Links are provided for convenience and do not imply endorsement.

15. Linking to the Services

You may link to our homepage in a way that is fair and lawful and does not damage or exploit our reputation. You may not frame, deep link, or otherwise display the Services on another site, or link in a way that suggests association, approval, or endorsement without our written consent. We may withdraw linking permission at any time.

16. Electronic Signatures and Communications

You consent to transact electronically. You agree that electronic signatures, consents, and acknowledgments are valid and enforceable under the federal E-SIGN Act and applicable state law, and that notices and disclosures we provide electronically satisfy any requirement that they be in writing.

This includes Plan adoption documents, enrollment elections, waivers, required legal notices, tax forms, and funding authorizations. You may request a paper copy of any document by contacting hello@aloehealth.co. To receive electronic communications you need a device with internet access, a current browser, and a working email address that you keep current with us.

17. Calls, Texts, and Recording

By providing contact information, you consent to receive communications from Aloe related to the Services, including administrative notices, eligibility and claims notifications, deadline reminders, and service updates. These are transactional and are not marketing.

By providing a mobile number, you consent to receive calls and text messages at that number from or on behalf of Aloe, including messages sent using automated telephone dialing systems, for informational and service-related purposes. Message and data rates may apply. Message frequency varies. Reply STOP to opt out and HELP for help. Opting out may limit functionality and may cause you to miss important deadlines. We are not liable for delayed or undelivered messages.

Marketing email and texts require separate opt-in and can be withdrawn at any time using the unsubscribe link, replying STOP, or contacting hello@aloehealth.co. Withdrawing marketing consent does not stop transactional communications required to administer your benefits.

We may record calls and support sessions for quality assurance, training, and recordkeeping. Recordings are kept confidential except as required by law. Where applicable law requires the consent of all parties, we will provide notice at the start of the call.

We intend to comply with the CAN-SPAM Act and the Telephone Consumer Protection Act. If you believe a communication from us is not compliant, contact hello@aloehealth.co.

18. Artificial Intelligence Features

Parts of the Services may use artificial intelligence to assist with support, document handling, and similar tasks.

AI outputs assist human judgment and do not replace it. Any determination affecting eligibility, a benefit amount, a reimbursement, or access to care is reviewed by a person before it takes effect. AI features may be unavailable, delayed, incomplete, or inaccurate, and are not a substitute for medical, legal, or tax advice. AI features are not monitored in real time and must not be used in an emergency.

Submit only the information reasonably necessary for your request. We do not use protected health information to train general-purpose artificial intelligence models. Use of AI features is subject to our Privacy Policy, applicable business associate agreements, and HIPAA.

19. Availability, Support, and Changes to the Services

We do not guarantee that the Services will be uninterrupted or error free. We may modify, suspend, or discontinue any part of the Services, or restrict access to some or all of it, at any time and without notice or liability. Service level commitments, if any, appear only in a signed Services Agreement.

Support is available at hello@aloehealth.co and may be assisted by automated tools. While we may help you navigate questions about coverage or a Carrier relationship, we do not guarantee outcomes and disclaim responsibility for them. You are solely responsible for plan selection, payments to and disputes with Carriers, and the tax consequences of your elections.

20. Term, Termination, and Survival

These Terms apply while you use the Services. You may stop using the Services at any time. We may suspend or terminate your access at any time, with or without cause and with or without notice.

Termination does not discharge amounts you owe or obligations under a signed agreement or Plan Document. Sections 5 through 10 and 12 through 29 survive termination, along with any provision that must survive to serve its purpose.

21. Disclaimer of Warranties

EXCEPT AS EXPRESSLY STATED IN A SIGNED AGREEMENT, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALOE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, BE SECURE OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR CURRENCY OF THIRD-PARTY DATA, INCLUDING CARRIER, NETWORK, PROVIDER, AND PRICING DATA. WE DO NOT WARRANT THAT FILES AVAILABLE FOR DOWNLOAD ARE FREE OF VIRUSES OR DESTRUCTIVE CODE, AND YOU ARE RESPONSIBLE FOR YOUR OWN VIRUS PROTECTION AND DATA BACKUP.

THE FOREGOING DOES NOT AFFECT ANY WARRANTY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

22. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALOE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOSS OF GOODWILL, OR LOSS OF DATA, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY AND EVEN IF FORESEEABLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALOE'S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID TO ALOE FOR THE SERVICES IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS.

These limits do not apply to liability that cannot be limited under applicable law. Where a signed Services Agreement sets different limits for the services it covers, that agreement controls.

23. Indemnification

You agree to indemnify, defend, and hold harmless Aloe and its affiliates, officers, directors, employees, agents, licensors, and service providers from any claim, loss, liability, damage, judgment, cost, or expense, including reasonable attorneys' fees, arising from your breach of these Terms, your misuse of the Services, your violation of any law or third-party right, your submission of false or fraudulent information, or activity conducted using your credentials.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you will not settle any such claim without our prior written consent.

24. Governing Law and Venue

These Terms are governed by the laws of the State of Michigan, without regard to conflict of laws principles. Subject to Section 25, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Kent County, Michigan, and waive any objection to that venue.

Nothing in these Terms limits any right you have under ERISA, the Affordable Care Act, or applicable state insurance law, including any right to an internal appeal, external review, or to file a complaint with a state department of insurance.

25. Dispute Resolution

Informal resolution first. Before filing any claim, you agree to contact us at hello@aloehealth.co with a written description of the dispute and the relief sought, and to attempt in good faith to resolve it for at least 45 days.

Arbitration for business users. If you are an Employer, plan sponsor, broker, agency, or other business user, any dispute not resolved informally will be settled by binding arbitration before a single arbitrator administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Grand Rapids, Kent County, Michigan. YOU AND ALOE WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of more than one party. Judgment on the award may be entered in any court of competent jurisdiction. Either party may seek injunctive relief in court to protect intellectual property or confidential information, and Aloe may bring an action in the courts of Kent County, Michigan to collect amounts due.

Participants and Beneficiaries. This arbitration provision does not apply to Participants or Beneficiaries. Their disputes are governed by Section 24 and by the claims and appeals procedures in the applicable Plan Documents.

Limitation on time to file. To the fullest extent permitted by law, any claim arising out of or relating to these Terms or the Services must be filed within one year after the claim accrues, or it is permanently barred. This limitation does not apply to claims for benefits under an ERISA-covered Plan, which are governed by the Plan Documents and applicable law.

26. Force Majeure

Except for payment obligations, neither party is liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, fire, flood, earthquake, epidemic or pandemic, war, terrorism, civil unrest, labor disturbance, government action, utility or telecommunications failure, or the failure of a third-party Carrier, provider, or financial institution.

27. Geographic Scope

The Services are intended for use only by persons located in the United States, in states where Aloe is licensed and the Services are available. We make no claim that the Services are appropriate or available elsewhere. If you access the Services from outside the United States, you do so on your own initiative and consent to the transfer and processing of your information in the United States.

28. Changes to These Terms

We may revise these Terms. We will post the revised version with a new Effective Date. If, in our reasonable judgment, a change is material, we will provide notice through the Services or by email where we have your address. Continued use after the effective date of a change constitutes acceptance. Check this page periodically.

29. Copyright Complaints

If you believe content on the Services infringes your copyright, send a notice under the Digital Millennium Copyright Act to our designated agent at hello@aloehealth.co with the subject line "DMCA Notice." Include the information required by 17 U.S.C. § 512(c)(3), including identification of the work, identification of the material, your contact information, a statement of good faith belief, and a statement under penalty of perjury that the notice is accurate and you are authorized to act.

30. Notices

Legal notices to Aloe must be in writing and sent to Anjoy Collective, Inc. d/b/a Aloe Health, Attn: Legal Notice, 2 Fulton St. W, Grand Rapids, Michigan 49503, with a copy by email to hello@aloehealth.co. Notice is effective on receipt. We may send notices to you at the email or physical address associated with your account, or by posting to the Services.

31. General

If any provision is held invalid or unenforceable, it will be limited or eliminated to the minimum extent necessary and the rest remains in full force. Our failure to enforce a provision is not a waiver of it or of any other provision. You may not assign these Terms without our written consent, and any purported assignment is void. We may assign them in connection with a merger, acquisition, or sale of assets. Except as stated in Section 25, these Terms create no third-party beneficiary rights. Headings are for convenience only. These Terms, together with any signed agreement, applicable Plan Documents, and our Privacy Policy, are the entire agreement between you and Aloe regarding the Services and supersede all prior understandings.

32. Contact

Anjoy Collective, Inc. d/b/a Aloe Health 2 Fulton St. W Grand Rapids, Michigan 49503 hello@aloehealth.co 616.730.8918