PLEASE READ THIS TERMS AND CONDITIONS CAREFULLY BEFORE USING THE PAYTON WEBSITE www.paytonhealth.com

Welcome to PAYTON website, a service designed to facilitate communication and financial assistance between patients and healthcare providers or hospitals. By accessing or using this Platform, you agree to abide by our Terms and Conditions mentioned below

Nature of Services

1. Connecting Patients and Hospitals: It allows patients to identify and connect with hospitals offering financial assistance options through Payton. It helps hospitals to manage and process Insurance claims applications effectively through us.
2. Application Facilitation: Provides a structured framework for patients to submit their claim applications, including necessary documentation. Helps hospitals to review, track, and process applications in a timely manner, including the financial and other backgrounds of patients.
3. Information Repository: Serves as an educational resource for patients, providing details about eligibility criteria, and claim processes. Helps hospitals to communicate options and requirements to patients.
4. Transparency and Status Tracking: Enables patients to track the status of their claim applications in real-time. Facilitates clear and transparent communication between patients and hospitals regarding financial aid decisions.
5. Support and Guidance: Offers support to patients in understanding their options and completing the claim application process. Assists hospitals with managing claim applications and required documents and addressing patient queries.
6. eNACH Facility: This Platform provides services to facilitate the setup of eNACHmandates for recurring or one-time payments. Act as a conduit for sharing mandate- related information between patients, banks, and hospitals. Offer users tracking andstatus updates for their eNACH mandates.

The platform does not provide direct financial assistance or funding, make decisions regarding the approval or denial of processing of claims, or offer medical advice, treatment, or healthcare services.

Disclaimer: The platform is not responsible for the final decision or outcome of processing of claim documents and acts solely as a facilitator to enhance the efficiency of the process.

Basic Introduction on Payton what we do or doesn't do

1. Payton is only a service provider and assists patients and hospitals in submitting the claim documents to the insurance.
2. Payton doesn't collect charges from patients for documentation and submission of the claims. If a patient needs any additional services, this may be charged upon patient consent.
3. Payton is not an insurance company or a TPA, neither have any partnershipwith them nor with their agents.
4. Payton handles and stores the documents maximum upto 6 months, post which data is deleted. Hospitals or patients may request the documents and the same are provided without any charges.
5. Payton doesn't take any responsibility for the claim processing / delay/ denial/ financial outcomes of the claims. This may be handled between the patient and his/her insurance.
6. Payton doesn't offer any discount or covers no portion of hospital/ medical bills.
7. Payton does not alter any hospital documents, neither recommends it. These documents are only collected, validated and submitted to the insurance.
8. Patient health declaration is his/her sole responsibility at the time of admission. Payton holds no responsibility for non-declared health parameters.
9. Payton is not a promoter of any insurance/ or its plans.
10. Payton is not a promoter of any Hospital/ Doctors. Visiting a particular hospital/ doctor is a complete sole choice of the patient.
11. Payton doesn't influence for applying of insurance reimbursement. Whether to proceed or not, its completely a patient responsibility.
12. Payton collects the patient documents such as KYC from the hospital via a protected channel. Hospitals are recommended to maintain data security.
13. Payton is an independent company and not a IRDAI recognised body.
14. Payton does not produce any medical bills/ medical advice.

Terms and Conditions of Use

Welcome to Payton Terms and Conditions of Use (these "Terms"). This is a contract between you and Payton (as defined further below) and we want you to know your and our rights before you use the Payton website ("Payton" or the "Website"). Please take a few moments to read these Terms before enjoying the Website, because once you access, view or use the Website, you are going to be legally bound by these Terms (so probably best to read them first!).

User Responsibilities

Accurate Information: Users must ensure the accuracy of the information provided, including personal details, bank account information, and medical treatment costs.

Authorization: Users explicitly authorize the Platform to process eNACH mandates with their chosen bank.

Compliance: Users agree to comply with all applicable financial and data protection laws.

Payment Obligations: Users are responsible for ensuring sufficient funds in their bank accounts for the processing of eNACH payments.

Healthcare Provider Responsibilities

Transparency: Healthcare Providers must clearly communicate the costs associated with medical treatments.

Compliance: Healthcare Providers agree to use the Platform in compliance with applicable laws and ensure timely updates on treatment plans.

Types Of Content

There are three types of content that you will be able to access on the Website:

1. content that you upload and provide ("Your Content");
2. content that hospitals/clinics/doctors provide;
3. content that the banks/financial institution provide, and
4. content that the Payton Group provides (including, without limitation, database(s) and/or software) ("Our Content").

Restrictions On The Website

You agree to:

• comply with all applicable laws, including without limitation, privacy laws, intellectual property laws, anti-spam laws, equal opportunity laws and regulatory requirements as required within the territory of the State/Country where you are residing including the Information Technology Act, 2000 and Indian Contract Act, 1872;
• use your real name and real age in creating your Payton account and on your profile; and
• use the services in a professional manner.

You agree that you will not:

• act in an unlawful or unprofessional manner including being dishonest, abusive or discriminatory;
• misrepresent your identity, your age, your current or previous positions, qualifications or affiliations with a person or entity;
• disclose information that you do not have consent to disclose;
• develop, support or use software, devices, scripts, robots, different types of mobile code or any other means or processes (including crawlers, browser plugins and add-ons or other technology) to scrape or otherwise exfiltrate from Payton or its services, or otherwise copy profiles and other data from the services.

Indemnity

All the actions you make and the information you post on Payton remain your responsibility. Therefore, you agree to indemnify, defend, release, and hold us, and our partners, licensors, affiliates, contractors, officers, directors, employees, representatives and agents, harmless, from and against any third-party claims, damages (actual and/or consequential), actions, proceedings, demands, losses, liabilities, costs and expenses (including reasonable legal fees) suffered or reasonably incurred by us arising as a result of, or in connection with:

1. any negligent acts, omissions or willful misconduct by you;
2. your access to and use of the Website;
3. the uploading or submission of Content to the Website by you;
4. any breach of these Terms by you; and/or
5. your violation of any law or any rights of any third party.

The Platform acts solely as a facilitator for eNACH transactions and is not responsible for: delays or failures in payments caused by banks or technical issues, disputes related to medical treatment, costs, or outcomes, or any Unauthorized transactions arising from user negligence. The Payton's liability is limited to the extent of the fees paid by the User for a specific eNACH transaction.

KYC verification

Undertaking your KYC: You authorize us (and any third party appointed by us) to facilitate your KYC process as may be required from time to time. This may include asking you for the documentation required under law as well as additional information, or verifying your information against third party databases or other sources. We may be forced to limit or refuse your usage of the Services if you refuse to comply with the KYC requirements that are required by law. As the process of gathering, verifying, auditing, and maintaining accurate and up-to-date information on you is ongoing, we retain the right to take whatever measures are required at any time to guarantee compliance with all pertinent and applicable KYC standards.

Unauthorized use of the Platform

If you think someone has entered your Subscribed Account without your permission, let us know right once. Please send us an email at providercare@paytonhealth.com if you believe something of the type has happened. The earlier you notify us of the incident, the better positioned we'll be to stop or reduce any losses.

Force majeure

Without limiting the aforementioned, we are not responsible for any harm or loss brought on by a failure in the provision of the Services resulting from direct or indirect acts of nature, forces, or causes outside our reasonable control, such as, but not limited to, internet outages, computer equipment failures, telecommunication equipment failures, or any other government regulations, floods, storms, electrical failure, civil disturbances, or riots.

Intellectual property

1. All of the content on the Platform, including, all images, illustrations, graphics, video clips, text, reports generated, trademarks, as well as the underlying code of the Platform ("Platform Content"), constitutes our intellectual property
2. Without our prior written consent, you are not permitted to directly or indirectly copy, distribute, modify, display, or use for commercial gain any of the Platform Content, Features, or Facilities.

Governing law & arbitration

1. These Terms and any action related thereto will be governed by Applicable Law. Any disputes arising out of or related to these Terms and/or the Platform, or the Services (collectively, "Dispute") shall be subject to the jurisdiction of the courts located at Bangalore, Karnataka, India.
2. Any and all Disputes shall be referred to and finally resolved by arbitration, held in accordance with the provisions of the Arbitration and Conciliation Act, 1996, including any amendment or modification thereto. The arbitral tribunal shall consist of a sole arbitrator appointed by the Company. Bangalore will serve as the arbitration's location and seat. All parties must abide by the arbitrator's award and decision, which are final. English will be used in the arbitration hearings. Unless otherwise specified in the decision, each party is responsible for its own costs and expenses related to the arbitration.
3. Disputes related to eNACH transactions will be resolved as per NPCI guidelines. Any disputes between Users and Healthcare Providers regarding medical treatment must be resolved directly between the parties. The Platform is not liable for such disputes. Other disputes involving the Platform will be subject to arbitration as mentioned above

General provisions

Assignment: You shall not assign or transfer any right or obligation that has accrued to you under these Terms, and any attempt by you to assign or transfer such rights and obligations, shall be null and void. Any rights or obligations that have accumulated in our favour may be freely assigned or transferred at our discretion.

Waiver: Any delay or failure on our part to exercise any rights or remedies under these Terms and/or other policies on the Platform, unless expressly stated otherwise, shall not constitute a waiver of those rights or remedies, and no single or partial exercise of any rights or remedies hereunder shall preclude any further exercise of those rights or remedies by us.

Survival: You acknowledge that your representations, undertakings, and warranties and the clauses relating to indemnities, limitation of liability, governing law & arbitration shall survive the efflux of time and the termination of these Terms.

Severability: The validity, legality, and enforceability of the remaining terms included herein shall not be in any way affected or hindered by the illegality or enforceability of any part of these Terms. To the extent permitted by applicable law, any such provision found to be invalid, unlawful, or unenforceable shall be replaced by a provision of like import reflecting the original intent of the parties.

Acceptance: By using the Website, you acknowledge that you have read these Terms and agree to be bound by them. Please be aware that if we believe you have violated these Terms, we have the right to restrict, suspend, or terminate your use of the Platform at any time. In order to confirm your location, we may also monitor or employ specific technologies to track your online activity, including your IP address. By using the Website, you guarantee that any identifying information you submit to us is accurate and could be used to confirm your identity.

PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THE PAYTON WEBSITE www.paytonhealth.com

Welcome to PAYTON website, a service designed to facilitate communication and financial assistance between patients and healthcare providers or hospitals. By accessing or using this Platform, you agree to abide by our Privacy Policy mentioned below

Privacy Policy Introduction

This Privacy Policy ("Policy") describes the privacy practices applicable to your use of the Payton website www.paytonhealth.com ("Website"), offered by Payton Healthcare Solutions Pvt Ltd ("Payton", "we", "us", "our"). This Policy also applies to any of the services accessible through the Website ("Services") unless a separate privacy policy applies to a particular Service. This Policy explains how your personal data may be collected, used, and disclosed by us, and outlines certain rights and choices you have regarding your personal data. Please read the following carefully to understand our practices regarding your personal data before using the Website or Services.

Our Commitment to User Privacy

At Payton, your privacy is a top priority. It is core to how we design and develop our services and products. We value the trust you place in us when you share your personal information, and we take this responsibility seriously.

Our Approach to Privacy

We integrate privacy considerations into our services from the outset. We consult professionals from various fields, including law, security, engineering, and product design, while developing, updating, and maintaining our website to ensure decisions respect your privacy.

Our Commitment to Security

We have dedicated teams focused on maintaining the security and safety of your data. We continually upgrade our security procedures to enhance the protection of your information.

Information Regarding Children

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal data from children under 18. If we become aware that a child under 18 has provided us with personal data without parental consent, we will take steps to delete such information. If you become aware that a child has provided us with personal data, please contact our customer support. Parents or legal guardians acting on behalf of children who need our service can register and provide the necessary details.

Data We Collect About You

You must ensure the accuracy of the information you provide. The Platform is not responsible for issues arising from incorrect user information. You agree to comply with applicable laws, including banking regulations and data protection laws.

We may collect and receive different kinds of personal data about you when you use the Website or Services, particularly when you submit claim documents. Personal data means information relating to an identified or identifiable natural person. Personal data does not include information that has been anonymized or aggregated to the extent that it can no longer identify you, as permitted by applicable law.

The types of personal data and other data we may collect include:

• Identity Data: Such as your name, date of birth, age, gender, and employment status.
• Contact Data: Such as your email address, postal address, and telephone number.
• Relationship Data: Information about relationships relevant to the claim (e.g., policyholder, patient).
• Financial and Transaction Data: Such as bank account details (for reimbursement or eNACH), payment details related to our services (if applicable), but not details of your medical treatment costs paid directly to providers unless required for claim processing.
• Claim Data: Information contained within claim forms and supporting documents you provide, which may include sensitive health information, hospital details, treatment details, policy information, and KYC documents.
• Technical Data: Such as IP address, browser type, device information, operating system, and usage patterns collected automatically when you interact with the Website.

How We Use Your Personal Data

We use your personal data primarily to facilitate the insurance claim process on your behalf or for the hospital you represent. This includes sharing required information (e.g., account details for reimbursement, claim forms, medical documents) with relevant insurance companies, Third-Party Administrators (TPAs), banks (for eNACH/reimbursement), or other necessary service providers involved in claim setup, processing, and execution.

We also use your personal data and other data for the following purposes:

• To manage our relationship with you, including notifications about your claim status or our services.
• To respond to your inquiries via email, chat, text, or telephone.
• To provide, maintain, and improve our Services.
• To deliver relevant content and updates to you.
• To measure and analyze the effectiveness of our communications and services.
• To administer, fulfill, and enforce contractual obligations.
• For compliance and legal obligations, such as identity validation (KYC), complying with legal and regulatory requirements, protecting and defending Payton and its affiliates against legal actions or claims, and preventing fraud.

Disclosures Of Your Personal Data

We do not sell your personal data to third parties for their marketing purposes without your express consent.

We may share your personal data with the following categories of third parties for the purposes described above:

• Service Providers: Parties engaged to provide services related to the claim process, including hospitals, banks, insurance companies, and TPAs, as necessary to process your claim or facilitate payments.
• Professional Advisers: Lawyers, bankers, auditors, and insurers who provide consultancy, banking, legal, insurance, and accounting services to Payton.
• Regulatory Authorities: Tax authorities, regulators, and other authorities who require reporting of processing activities in certain circumstances.
• Business Transfers: Third parties to whom we may choose to sell, transfer, or merge parts of our business or assets.
• Fraud Prevention: Credit reference agencies and fraud prevention organizations to protect the rights, property, or safety of Payton, our users, or others.
• Legal Requirements: If required by law, regulation, court order, or other legal process, or to help enforce our terms or protect the safety and security of our Website, Services, users, or third parties.

Data Security

We employ technical and organizational controls that we believe are reasonably appropriate to protect your information (aligned with standards like ISO 27001:2022). However, no system is completely secure, and we do not guarantee that our precautions will prevent every unauthorized access, loss, or misuse. Similarly, we cannot guarantee the privacy of information you transmit over the Internet or that may be collected in transit by others, including third-party service providers. We are not responsible for security breaches outside our direct control.

Where we have given you (or where you have chosen) a password or unique code that enables you to access certain parts of our Services, you are responsible for keeping this information confidential. Do not share this information with anyone.

Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Generally, claim-related documents are retained for a maximum of 6 months after the claim process is concluded, after which the data is securely deleted or anonymized, unless a longer retention period is required or permitted by law (e.g., for unresolved disputes or legal obligations).

If you cease using our services, we may retain some data in an aggregated or anonymized format for analytical purposes, but not in a way that identifies you personally.

Your Rights And Choices

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal data:

• Access: You may have the right to request access to the personal data we hold about you.
• Correction: You may have the right to request correction of inaccurate personal data we hold about you.
• Deletion: You may have the right to request the deletion of your personal data, subject to legal and contractual restrictions.
• Objection/Restriction: You may have the right to object to or request restriction of certain processing activities.
• Data Portability: You may have the right to receive your data in a portable format.

Unsubscribe from Marketing Emails: Our marketing emails include an unsubscribe link. Follow the instructions in the email to opt-out.

Instructions for Submitting Rights Requests: You may submit requests regarding your personal data rights by emailing or writing to the contact addresses listed below. We will take reasonable steps to verify your identity before responding. The level of verification will depend on the sensitivity of the request and the data involved. You may use an authorized agent to submit your request under specific conditions (e.g., power of attorney or signed permission with verification). We may deny or limit requests where we cannot verify identity or suspect fraudulent activity. You have the right not to receive discriminatory treatment for exercising your privacy rights.

Third-Party Links

Our Website or Services may contain links to websites of partner networks, advertisers, and affiliates. These websites have their own privacy policies, and we do not accept responsibility or liability for their practices or the data collected through them. Please check their policies before submitting personal data.

Contact Information

If you have questions about this Policy or wish to exercise your rights, please contact us:

Email: help@paytonhealth.com

Postal Mail: Payton Healthcare Solutions Pvt Ltd, Kalyan Nagar, Bengaluru, Karnataka - 560043, India

Changes to the Privacy Policy

This Policy version was last updated on October 24, 2025. We may update it periodically. Changes will be posted on the Website and, where appropriate, notified to you by email or upon your next use of the Website/Services. You may need to review and accept changes to continue using our Services.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during our relationship with you.

Acceptance: By using the Website or our Services, you acknowledge that you have read this Privacy Policy and agree to its terms.