Terms & Conditions

1. Contractual Relationship

These Terms and Conditions (the "Terms" or this "Agreement") govern the access to and use of all applications, websites, content, products, and services that form the Insynco Platform by any individual who has signed up with Insynco and holds a Patient Account or has a profile under a User Account (collectively, "you," "your," or "User").

Insynco Inc. ("Insynco," "we," "us," or "our") offers integrative health-care services through a collaborative team of Naturopathic Doctors (NDs) delivered via telehealth (the "Services" or a "Consultation").

By accessing or using the Insynco Platform, scheduling an appointment, or otherwise receiving Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. Your electronic acceptance of these Terms (for example, by clicking "I agree") constitutes an electronic signature under Ontario's Electronic Commerce Act, 2000. If at any point you do not agree, you must immediately cease use of the Insynco Platform and Services.

We may modify these Terms at any time; the revision date appears above. Your continued use of the Platform after a change constitutes acceptance. Insynco may, on notice, terminate this Agreement or your access to the Platform at any time for any reason.

2. Definitions

• Consultation - Any ND appointment booked through the Platform.
• ND - A regulated Naturopathic Doctor.
• Patient Account - A user profile that allows scheduling, payment, and secure messaging.
• Platform - The Insynco website, applications, and all digital tools through which Services are accessed or delivered.

3. Email & SMS Communications

Email with your ND is for brief, urgent questions tied to an existing plan. Inactive patients (>45 days since last visit) lose between-visit messaging. Responses may take up to 72 business hours (Mon-Fri, 9 a.m.-5 p.m. EST) for non-urgent communications. Detailed advice requires a booked follow-up.

By signing up for Services, you consent to receiving communications related to your appointments, treatment, and care via email and SMS. To opt out of SMS communications, you may contact us by email at support@insynco.com, by phone or text at (647) 490-3236, and we will remove you from SMS communications. You may also reply STOP to any message. Opting out of SMS does not affect email communications or your access to Services.

BY PROVIDING YOUR EMAIL ADDRESS, YOU ACKNOWLEDGE THAT STANDARD EMAIL IS NOT A SECURE MEDIUM. YOU CONSENT TO RECEIVING COMMUNICATIONS REGARDING YOUR CARE (INCLUDING APPOINTMENT REMINDERS AND INVOICES) VIA EMAIL/SMS, UNDERSTANDING THE RISK THAT THESE COULD BE INTERCEPTED.

4. Billing

Payment is due in full at the time services are rendered and may include:

• Consultation fees for Naturopathic Doctor (ND) appointments;
• Laboratory or diagnostic fees collected in advance, where applicable;
• Specialty tests, supplements, or other Additional Services you choose to purchase.

Accepted payment methods: all major credit cards (Visa, Visa Debit, Mastercard, American Express). Insynco does not accept e-transfers, cash, or cheques. ND professional fees are HST-exempt; taxes apply only where required by law.

5. Additional / Excluded Services

You are responsible for any service, procedure, or product outside the Consultation fee, including:

• Specialty laboratory tests not covered by OHIP;
• Functional or specialized diagnostic testing (e.g., food sensitivity panels, hormone panels, microbiome analysis), which are not covered by OHIP;
• Imaging or diagnostic procedures not covered by OHIP;
• Services recommended by Insynco but provided by external practitioners.

6. Payments & Credit-Card Authorization

You authorize Insynco to charge the card on file for unpaid fees. Overdue balances accrue interest at 2% per month (26.82% per annum), calculated and compounded monthly. If an account remains unpaid for 30 days, Insynco may refer the debt to a licensed collection agency, and you will be liable for all reasonable collection costs; total charges will never exceed the maximum lawful rate under the Criminal Code.

7. Refund, Cancellation, No-Show & Late Arrival

All fees, including Consultation, lab/diagnostic, specialty tests, and Late-Notice/No-Show charges, are non-refundable. In the event that Insynco cancels a scheduled service and is unable to reschedule within a reasonable timeframe, a full refund will be issued for that service. Fees for services or tests that were paid for but not delivered or performed will be refunded.

Cancel or reschedule by emailing support@insynco.com or calling/texting (647) 490-3236. Cancellations with less than 48 business hours notice incur a 50% fee; repeat no-shows may be billed 100%.

8. Termination

Insynco may terminate your access to the Platform and Services, effective immediately upon notice, for any of the following reasons:

• Breach of these Terms not cured within 10 days;
• Outstanding balance of $100 or more unpaid after 10 days;
• Harassment or threats toward Insynco personnel.

Termination does not affect your right to request access to your health records in accordance with applicable law.

9. Telemedicine / Electronic Communication

Insynco consultations are delivered primarily via telehealth. By using telehealth services, you accept the inherent risks of electronic communication; records may become part of your permanent chart. You are responsible for ensuring a private and appropriate setting for virtual appointments. The practitioner retains discretion to end a session if clinical safety cannot be assured virtually, or to recommend that you seek in-person care from an appropriate healthcare provider.

10. Use of the Platform

Platform access may be interrupted or discontinued without notice. You assume all risks when using the Platform.

11. Privacy Policy

Use of the Platform is subject to Insynco's Privacy Policy. Certain operational data (such as payment processing and cloud hosting) may be processed by third-party service providers located outside Canada and therefore subject to foreign laws. Please refer to the Privacy Policy for full details on cross-border data handling.

12. Consent to Treatment

By booking a Consultation you consent to ND care. Consent is ongoing and you may withdraw it at any time without penalty. You have the right to be informed about treatment options, risks, and alternatives before providing consent.

13. No Emergency Services

INSYNCO DOES NOT PROVIDE EMERGENCY CARE. IN AN EMERGENCY, CALL 911.

14. Intellectual Property

All Insynco materials are proprietary and may not be reproduced without written permission.

15. Naturopathic Doctors

All Naturopathic Doctors providing Services through the Insynco Platform are independent contractors, not employees of Insynco. Each ND is independently regulated by the College of Naturopaths of Ontario and is solely responsible for their clinical decisions within their scope of practice. Specific ND requests cannot be guaranteed. If your preferred ND becomes unavailable, Insynco may assign an alternative ND to ensure continuity of care, and your health records will remain accessible within the circle of care. All NDs follow Insynco's operational and administrative protocols.

16. No Guarantee of Outcomes

Insynco makes no warranties regarding treatment outcomes.

17. Disclaimer of Warranties

Except where prohibited by law, all warranties, express or implied, are disclaimed.

18. Other Limitations, Restrictions & Disclaimers

• NDs are solely responsible for their clinical advice.
• Insynco disclaims liability for acts or omissions of NDs.
• Telemedicine may involve errors; you assume such risk.
• Insynco relies on independent third-party platforms (practice-management, cloud storage, payment, laboratories, etc.). Insynco is not liable for any loss arising from these platforms; your sole remedy lies with the provider.

19. Limitation of Insynco's Liability

INSYNCO'S TOTAL DIRECT LIABILITY SHALL NOT EXCEED THE GREATER OF CAD $500 OR THE FEES YOU PAID IN THE PREVIOUS 12 MONTHS. INSYNCO SHALL NOT BE LIABLE FOR INDIRECT OR CONSEQUENTIAL DAMAGES.

This limitation does not apply to claims arising from clinical negligence by a regulated health professional providing services through the Insynco Platform, which are governed by that professional's own regulatory obligations, standards of practice, and professional liability insurance.

20. No Assignment

Your Patient Account is personal and non-transferable.

21. Minors

For patients under the age of 18, parental or guardian involvement may be required depending on the patient's capacity to consent to treatment. Where a minor demonstrates the capacity to consent to treatment independently, that patient may also consent to the collection, use, and disclosure of their own personal health information in accordance with PHIPA. Insynco will assess capacity on a case-by-case basis, consistent with the guidance of the Information and Privacy Commissioner of Ontario and applicable College standards. Where parental or guardian consent is required, the parent or guardian may assist with management of the patient's account until the patient is able to do so independently.

22. Notices; Communications

We send notices to the email on file; you may contact us via the contact form on our website.

23. Non-Disparagement

During the term of this Agreement and for two years following its termination, neither party will publish or cause to be published any statement that is false, misleading, or defamatory regarding the other party, its personnel, or its services. Nothing in this section restricts either party from: (a) providing truthful information to any regulatory body, law enforcement agency, or court of competent jurisdiction; (b) making truthful statements in the context of legal proceedings; (c) exercising any rights protected under applicable law, including the right to file a complaint with a professional regulatory College; or (d) posting a truthful, good-faith review of services received.

24. Severability

If any provision is unenforceable, the remainder survives.

25. Entire Agreement; Amendment

These Terms constitute the entire agreement between you and Insynco. Insynco may amend these Terms at any time in accordance with Section 1.

26. Force Majeure

Neither party is liable for performance failures beyond its reasonable control (excluding payment).

27. Controlling Agreement

If marketing materials conflict with these Terms, these Terms prevail.

28. Governing Law & Venue

These Terms are governed by Ontario law. Disputes must be brought in Toronto, Ontario.

29. Dispute Resolution

If a dispute arises between you and Insynco, we encourage you to contact us first so we can attempt to resolve the matter directly. If informal resolution is unsuccessful, either party may pursue mediation administered by a mutually agreed mediator in Toronto, Ontario. If mediation does not resolve the dispute within 30 days of being initiated, either party may commence legal proceedings in the courts of Ontario, which shall have exclusive jurisdiction. The costs of mediation will be shared equally unless the mediator determines otherwise.

30. Indemnification

You will indemnify Insynco against losses arising from your breach, misuse of the Platform, or misrepresentation of information.

31. Complaints Process

If you have a concern about the Services or your experience with Insynco, we encourage you to contact us first so we can attempt to resolve the matter directly. You may submit a complaint by emailing support@insynco.com or by calling (647) 490-3236. We will acknowledge receipt of your complaint within 5 business days and make reasonable efforts to resolve it promptly. If you are not satisfied with the outcome, you retain the right to contact the relevant professional regulatory College (such as the College of Naturopaths of Ontario) or any other applicable regulatory body.

32. Record Retention

Insynco retains patient health records for a minimum of 10 years from the date of the last clinical interaction, or in the case of minors, 10 years after the patient reaches the age of 18, in accordance with PHIPA and applicable College standards. Insynco is unable to delete health records prior to the expiration of the applicable retention period, as retention is required by law. You may request correction of your health records in accordance with PHIPA. After the retention period, records may be securely destroyed. You may request access to your health records at any time in accordance with applicable law.