Purchase and Renewal Conditions: By joining a plan, for yourself or on behalf of a minor child for whom you are a parent or legal guardian, you confirm that you are at least 18 years old and you authorize MERCHANT to charge your credit card or checking account for the plan you have selected through . This charge shall automatically renew at the end of your membership term, and your credit card or checking account will be automatically charged for the appropriate amount, until you notify MERCHANT in writing that you wish to cancel the plan. By joining you indicate you have read and agree to the terms and conditions of the plan

Termination Conditions: MERCHANT reserves the right to terminate plan members from its plan for any reason, including non-payment. If MERCHANT terminates the plan or your membership for a reason other than non-payment, you will receive a pro-rata refund of your membership fees.

Cancellation Conditions: You have the right to cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less the processing fee, if applicable. If for any reason during this time period you are dissatisfied with the plan and wish to cancel and obtain a refund, you must submit a written cancellation request. MERCHANT will accept cancellation requests at any time and will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after receiving a cancellation notice. Please send a cancellation request and a refund request with your name and member ID to MERCHANT via the Contact Form on our website. When you cancel, you will continue to have access to the plan for the remainder of the period for which you have paid; your membership will terminate at the end of that period. The preceding sentence does not apply to quarterly, semi-annual or annual memberships in FL, ND and OK, where you will receive a pro-rata refund whenever you cancel.

Description of Services: THIS IS NOT INSURANCE. Please see our website for a specific description of plan program.

Limitations, Exclusions & Exceptions: THIS IS NOT INSURANCE. This plan is a discount membership program offered by MERCHANT. The MERCHANT SERVICES facilitating transactions and online functionality is not a licensed insurer, health maintenance organization or other underwriter of health care services. No portion of any provider’s fees will be reimbursed or otherwise paid by MERCHANT SERVICES. MERCHANT SERVICES is not licensed to provide and does not provide health care services or items to individuals. You will receive discounts for services at certain health care providers who have contracted with the MERCHANT plan. You are obligated to pay for all health care services at the time of service. Savings are based upon the provider’s normal fees. Actual savings will vary depending upon location and specific services or products purchased. Please verify such services with each individual provider. The plan’s discounts may not be used in conjunction with any other discount plan or program. All listed or quoted prices are current prices by participating providers and subject to change without notice. Any procedures performed by a non-participating provider are not discounted. From time to time, certain providers may offer products or services to the general public at prices lower than the discounted prices available through this plan. In such event, members will be charged the lowest price. Discounts on professional services are not available where prohibited by law. This plan does not discount all procedures. Providers are subject to change without notice and services may vary in some states. It is the member’s responsibility to verify that the provider participates in the plan. At any time we may substitute a provider network at its sole discretion. We cannot guarantee the continued participation of any provider. If the provider leaves the plan, you will need to select another provider. Providers are solely responsible for the professional advice and treatment rendered to members and MERCHANT SERVICES disclaims any liability with respect to such matters.

Complaint Procedure: If you would like to file a complaint regarding your plan membership, you must submit your complaint online via the Contact Form on our website. You have the right to request an appeal if you are dissatisfied with the complaint resolution. After completing the complaint resolution process, if you remain dissatisfied you may directly contact your health care provider.