Genesis MD, Inc. (a California Professional Corporation), operating under the registered fictitious business name Genesis Sleep MD, Inc. (hereinafter referred to uniformly as “the Company” or “Genesis Sleep MD”)

Website: genesissleepmd.com

Effective Date: June 29, 2026

Version: 1.0

Last Updated: June 29, 2026

THIS IS A BINDING FINANCIAL AGREEMENT. IT GOVERNS PROGRAM FEES, CARD-ON-FILE AUTHORIZATION, CANCELLATION AND NO-SHOW PENALTIES, REFUND FORFEITURE MILESTONES, THIRD-PARTY FINANCING, INSURANCE OPT-OUT, AND DELINQUENT-ACCOUNT COLLECTIONS. IT IS ACCEPTED BY CLICKWRAP AT CHECKOUT AND IS INCORPORATED INTO THE TERMS OF SERVICE. PLEASE READ CAREFULLY, INCLUDING THE NON-REFUNDABILITY MILESTONES IN SECTION 5 AND THE THIRD-PARTY FINANCING INSULATION IN SECTION 3.

1. Parties, Scope, and Relationship to Other Documents

1.1 The Contracting Entity

This Financial Agreement & Refund Policy (this “Agreement”) is a binding agreement between you (“you,” “your,” “Client,” “Customer,” or where applicable “Patient”) and Genesis MD, Inc. (a California Professional Corporation), operating under the registered fictitious business name Genesis Sleep MD, Inc. (hereinafter referred to uniformly as “the Company” or “Genesis Sleep MD”), with its principal place of business at 510 Superior Avenue, Suite 200A, Newport Beach, California 92663.

1.2 Scope and Precedence

This Agreement governs the commercial and financial terms of your purchase of any product or service from Genesis Sleep MD. It is incorporated by reference into, and supplements, the Terms of Service. With respect to financial subject matter — fees, payment, card-on-file authorization, cancellation, no-show, refunds, financing, and collections — this Agreement controls in the event of any conflict with the Terms of Service. Clinical matters are governed by the Telehealth Informed Consent, and privacy matters by the Privacy Policy and HIPAA Notice of Privacy Practices.

1.3 Separation of Non-Clinical and Clinical Offerings (UPM Protection)

The Tier 1 Foundations Program is a non-clinical, educational product. The Tier 2 Precision Concierge and Tier 3 Longevity Elite packages are clinical telehealth packages available only to eligible individuals physically located in California or Pennsylvania. No physician-patient relationship is formed by purchase; it forms only upon execution of the Telehealth Informed Consent within the secure Healthie EHR, as described in the Terms of Service and that Consent. This Agreement addresses payment for all tiers but does not itself create, and shall not be construed to create, any clinical relationship.

2. Program Fees and Tier Descriptions

All fees are stated in United States Dollars (USD), are exclusive of any applicable taxes, and are due in full at the time of purchase unless you are approved for, and elect, third-party financing under Section 3.

2.1 Tier 1 — Foundations Program ($2,500)

A non-clinical, self-paced educational program. The fee of two thousand five hundred dollars ($2,500) includes lifetime access (as defined in the Course Terms / EULA) to the pre-recorded educational platform and CBT-I module curriculum, a physical Sleep Success Kit, and non-diagnostic sleep-related genetic testing. Tier 1 does not include any clinical evaluation, diagnosis, prescription, laboratory interpretation, biomarker testing, or one-to-one consultation with Dr. Meneena Bright or Katharine Ishida, PA.

2.2 Tier 2 — Precision Concierge ($4,997)

A clinical telehealth package. The fee of four thousand nine hundred ninety-seven dollars ($4,997) includes a WatchPAT at-home sleep study, a Quest Diagnostics comprehensive sleep and hormone biomarker panel with clinician interpretation, live access to a six-week group CBT-I program, access to the educational platform, and two (2) clinical appointments (a Clinical Deep Dive and a follow-up) with Dr. Bright or a board-certified sleep medicine physician.

2.3 Tier 3 — Longevity Elite ($7,500)

A clinical telehealth package. The fee of seven thousand five hundred dollars ($7,500) includes all components of Tier 2 plus advanced genetic and longevity biomarker profiling and an additional dedicated longevity consultation.

2.4 Additional Services

Clinical appointments beyond those included in your tier are billed at five hundred dollars ($500) per additional appointment, payable in advance or via the card on file under Section 4. Prices are subject to change prospectively; the price in effect at the time of your purchase applies to that purchase, and active enrollees are not subject to mid-program price increases for already-purchased deliverables.

3. Third-Party Financing; Truth in Lending Act (TILA) Insulation

3.1 Approved Independent Lenders

As a convenience, the Company may make available point-of-sale financing through independent third-party consumer lenders, currently CareCredit and Cherry. The Company is not a lender, creditor, credit broker, credit-services organization, or financing entity, and earns no interest or finance charges.

3.2 Independent Lender Relationship

If you elect to finance any purchase through CareCredit, Cherry, or any other third-party lender:

- (a) you enter into a separate, independent contractual relationship directly with that lender;

- (b) all credit decisions, approvals, denials, annual percentage rates (APR), interest charges, origination or other fees, repayment and installment schedules, billing, collections, and dispute-resolution processes are governed exclusively by your agreement with that lender;

- (c) all rights, obligations, and disclosures arising under the federal Truth in Lending Act (“TILA”), Regulation Z, and any analogous state lending or consumer-credit law are the sole responsibility of, and reside exclusively between, you and the third-party lender;

- (d) the Company is fully and expressly insulated from, and shall have no liability whatsoever for, any claim, demand, dispute, or cause of action arising under TILA or any other consumer-credit or lending law in connection with such financing; and

- (e) your obligation to repay the third-party lender remains fully in force regardless of whether you complete, pause, terminate, or are dissatisfied with any product or service provided by the Company, and regardless of your progress through any program.

3.3 Pre-Redirect Notice

Before any redirect to a third-party lender, you will be notified that you are being sent to an independent third-party lender and that the Company has no role in that lender’s credit decision, terms, or APR. You release and hold the Company harmless from any matter arising between you and any third-party lender.

4. Card-on-File Authorization and Tokenization

4.1 Authorization

By executing this Agreement, you provide express written authorization for the Company to securely tokenize and retain an active credit card, debit card, or electronic-wallet payment token on file via the Company’s PCI-compliant payment gateway. You authorize the Company to automatically charge the payment method on file for any unpaid balances, administrative incidentals, cancellation or no-show fees, additional-service fees, or out-of-pocket balances, up to a maximum of two hundred fifty dollars ($250.00) per transaction, without requiring secondary manual authorization for each such charge.

4.2 Charges Above the Threshold

Any single charge exceeding two hundred fifty dollars ($250.00) — for example, payment for an additional clinical appointment or a new program tier — requires your separate authorization at the time of that charge. The Company does not store full card numbers; only a gateway-issued token is retained.

4.3 Maintaining a Valid Card

You agree to maintain a valid, current payment method on file for the duration of any active program and to update it promptly upon expiration or change. Failure to maintain a valid payment method may result in suspension of services under Sections 7 and 8.

4.4 Receipts

An electronic receipt or invoice will be provided for each charge to the email address associated with your account.

5. Refund Policy and Physical-Asset Forfeiture Milestones

5.1 The Forfeiture Milestones

NO REFUNDS WILL BE GRANTED OR ISSUED UNDER ANY CIRCUMSTANCES AFTER ANY ONE OF THE FOLLOWING MILESTONES HAS OCCURRED:

- (i) ANY PHYSICAL COMPONENT — INCLUDING THE SLEEP SUCCESS KIT OR THE WATCHPAT HOME SLEEP TESTING UNIT — HAS BEEN SHIPPED FROM THE COMPANY’S OR ITS FULFILLMENT VENDOR’S LOGISTICS FACILITY;

- (ii) ANY LABORATORY, GENETIC, OR DIAGNOSTIC ORDER HAS BEEN TRANSMITTED TO QUEST DIAGNOSTICS OR ANY OTHER LABORATORY OR TESTING VENDOR; OR

- (iii) ANY CLINICAL SERVICE HAS BEEN INITIATED OR RENDERED, INCLUDING THE COMMENCEMENT OF THE CLINICAL DEEP DIVE.

Once any milestone above is reached, the corresponding fees are fully earned and non-refundable, reflecting the irrevocable commitment of physical inventory, third-party laboratory resources, and clinician time.

5.2 Tier 1 — Digital Delivery

For the Tier 1 Foundations Program, all sales are final upon digital delivery of login credentials. Because the program grants immediate access to proprietary, consumable digital content, you expressly waive any “buyer’s remorse” or cooling-off expectation upon credential delivery, to the fullest extent permitted by law. Where a physical Sleep Success Kit is bundled with Tier 1, the shipping milestone in Section 5.1(i) independently applies.

5.3 Pre-Milestone Cancellation

If you request cancellation after checkout but before any milestone in Section 5.1 has occurred and before digital credentials have been delivered, your purchase may be refunded less a mandatory three percent (3%) third-party payment-processor administrative fee that the processor does not return to the Company.

5.4 Limited Goodwill Carve-Outs

Notwithstanding Section 5.1, the Company may, in its discretion and as a matter of goodwill, issue a refund or pro-rated credit for undelivered services where: (a) the Company discovers a contraindication or eligibility failure that disqualifies you from the clinical protocol before clinical services begin; (b) the treating clinician becomes unavailable and no covering provider acceptable to you can be arranged; or (c) a vendor failure beyond the Company’s reasonable control prevents delivery of a material component (for example, a laboratory kit not received within thirty (30) days). Any such refund excludes the cost of physical components already shipped and laboratory orders already transmitted.

6. Cancellation, Rescheduling, and No-Show Policy

6.1 48-Hour Notice Requirement

You must provide at least forty-eight (48) hours’ advance written notice (via the secure portal or [email protected]) to cancel or reschedule any clinical appointment, including the Clinical Deep Dive, any follow-up, the longevity consultation, or any scheduled session with Dr. Bright or Katharine Ishida, PA.

6.2 No-Show and Late-Cancellation Fee

Failure to provide at least forty-eight (48) hours’ notice, or failure to appear, results in an automatic, non-waivable administrative fee of one hundred fifty dollars ($150.00), charged to the payment method on file under Section 4. A late arrival exceeding fifteen (15) minutes past the scheduled telehealth start time will be treated as a “No-Show,” terminating the session and triggering the full one hundred fifty dollar ($150.00) fee.

6.3 Effect on Included Appointments

A session forfeited as a No-Show under Section 6.2 is counted as one of the appointments included in your tier and is not automatically re-credited. Rescheduling with proper notice does not incur a fee.

7. Insurance Opt-Out, Out-of-Network Reality, Superbills, and Medicare Private Contract

7.1 Cash-Pay Practice; No Insurance Participation

Genesis Sleep MD operates strictly as a private, cash-pay practice. The Company does not participate in, and is not contracted with, any private health-insurance plan, network, or panel, and does not bill insurance on your behalf.

7.2 Out-of-Network Superbills — No Reimbursement Guarantee

Upon request, and for clinical (Tier 2 / Tier 3) services only, the Company may provide an itemized superbill containing standard diagnostic (ICD-10) and procedure (CPT) codes that you may submit to your own insurer for possible out-of-network reimbursement. The Company makes no representation, warranty, or guarantee that any insurer will accept a superbill or reimburse any portion of the fees, and you remain fully responsible for all fees regardless of any reimbursement decision. Superbills are not provided for the non-clinical Tier 1 Foundations Program, which is educational and is not a reimbursable clinical service; no CPT/ICD-10 coding or insurance support is available for Tier 1.

7.3 Statutory Medicare Private-Contract Block

If and to the extent the treating physician has opted out of the Medicare program and entered into a private contract with you under Section 1802 of the Social Security Act (42 U.S.C. § 1395a), you acknowledge and agree that:

- (a) no claim will be submitted to Medicare for the services provided;

- (b) neither you nor the Company will receive any Medicare payment or reimbursement for those services, and Medicare limits on actual charges and Medicare balance-billing limitations do not apply;

- (c) you agree to be responsible, whether through insurance or otherwise, for full payment of the fees;

- (d) you acknowledge that you have the right, as an alternative, to obtain Medicare-covered services from physicians and practitioners who have not opted out of Medicare; and

- (e) you are not facing an emergency or urgent health-care situation in agreeing to this private contract. No superbill for Medicare submission will be issued for services rendered under a Medicare opt-out private contract.

8. Balance Aging, Dunning, Suspension, and Collections Lifecycle

8.1 Account Aging Buckets

Outstanding balances are administered on the following lifecycle, to the extent permitted by law:

- (a) Day 0–30 (Current): The account is current. Automated electronic statements are delivered by email and, where you have consented, SMS.

- (b) Day 31–60 (Delinquent): The account is delinquent. Access to the Healthie patient portal and educational materials may be suspended until the balance is brought current, except that your statutory right of access to your own clinical records is preserved as required by HIPAA, the CMIA, and applicable law.

- (c) Day 61–90 (Pre-Collections): A formal fifteen (15)-day written dunning notice is issued, including by certified mail where appropriate.

- (d) Day 90+ (Collections Transfer): Balances exceeding five hundred dollars ($500.00) that remain unpaid may be transferred to an external third-party collections agency.

8.2 Failed-Payment Handling

For any failed or declined charge, the Company may make one (1) automated retry attempt within five (5) business days. If payment is not cured, services may be paused, and the account proceeds through the lifecycle in Section 8.1.

8.3 Cost-Shifting

To the fullest extent permitted by California law, you agree to pay all reasonable costs of collection of past-due amounts, including third-party collection-agency fees, court costs, and reasonable attorneys’ fees. Any late fees or interest are imposed only as and to the extent permitted by applicable California law and caps.

8.4 Continuity of Care During Non-Payment

Suspension or closure of an account for non-payment does not extinguish the Company’s clinical continuity-of-care obligations to a patient in active treatment. Where required, the Company will provide reasonable notice, a continuity window, and referral to the patient’s primary care physician, consistent with the Telehealth Informed Consent and applicable law.

9. Chargebacks and Pre-Dispute Procedure

You agree that, before initiating any chargeback or payment dispute with your card issuer or bank, you will first contact the Company in writing at [email protected] within seven (7) calendar days of the disputed charge and attempt in good faith to resolve the matter. The audit trail captured at checkout — including timestamp, IP address, accepting user identity, and the specific document version accepted — may be submitted in response to any dispute. Abusive, fraudulent, or bad-faith chargebacks may result in suspension or termination of your account, referral of the outstanding balance to collections, recovery of associated fees and costs, and reporting to credit reference bureaus, all to the extent permitted by law.

10. Taxes, Currency, and International Cards

All fees are stated and payable in USD. You are responsible for any applicable taxes, and California sales-and-use tax will be applied to taxable items where required by law. International payment cards may incur currency-conversion or cross-border fees imposed by your card issuer, not by the Company. Pre-authorization holds, where used, may appear temporarily on your statement and are released in accordance with the gateway’s standard practices.

11. Disclaimers, Limitation of Liability, and Indemnification

11.1 No Clinical Guarantee

This Agreement is financial in nature and creates no clinical guarantee. No specific health, clinical, diagnostic, or other outcome is promised or guaranteed, and fees are earned as set forth above regardless of clinical outcome.

11.2 Limitation of Liability

To the fullest extent permitted by applicable law, the Company’s total aggregate liability arising out of or related to this Agreement shall not exceed the total amount actually paid by you to the Company in the twelve (12) months immediately preceding the event giving rise to the claim, and the Company shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages. Nothing in this Agreement limits or excludes liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot lawfully be limited or excluded under California Civil Code § 1668 or other applicable law.

11.3 Indemnification

Client/Patient shall indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and successors from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

(a) your breach of this Agreement;

(b) your provision of false, inaccurate, incomplete, or misleading financial, billing, or eligibility information, whether by act or omission;

(c) any dispute between you and any third party (including but not limited to point-of-sale independent consumer lenders such as CareCredit or Cherry) arising from or related to services under this Agreement;

(d) any credit card or banking chargeback, payment dispute, or reversal request initiated by you through Stripe or your issuing financial institution;

(e) your negligent or wrongful acts or omissions in connection with this Agreement or the services provided hereunder.

The Client’s/Patient’s duty to defend explicitly requires the allocation of legal counsel reasonably acceptable to the Company immediately upon written demand, and includes the non-waivable contractual obligation to pay all fees-on-fees incurred by the Company while actively enforcing this indemnification provision.

12. Dispute Resolution; Governing Law; Venue

12.1 Mandatory Written Notice and Informal Good-Faith Mediation

Before filing or initiating a formal AAA arbitration demand, the User must submit written notice to [email protected]. The notice must identify the User, describe the dispute and factual basis, state the requested relief, and provide contact information. The User must permit at least thirty (30) calendar days for informal good-faith resolution or mediation. Mutual reasonable cooperation is required throughout this informal period. Completion of this process is a non-waivable condition precedent to filing or initiating formal AAA arbitration.

12.2 Binding Individual Arbitration; Class Waiver

Any dispute, claim, or controversy arising out of or relating to this Agreement shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, governed by the Federal Arbitration Act. You and the Company waive any right to participate in a class, collective, consolidated, or representative proceeding, and waive any right to a jury trial. Either party may bring an individual claim in small-claims court and may seek injunctive relief to protect intellectual property. Nothing herein waives any non-waivable statutory right.

12.3 Governing Law and Venue

This Agreement is governed by the laws of the State of California, without regard to conflict-of-laws principles. Subject to Section 12.2, the exclusive venue for any permitted judicial proceeding is the state and federal courts located in Orange County, California, and you consent to the personal jurisdiction of those courts.

13. General Provisions

13.1 Changes

The Company may modify this Agreement prospectively; the “Last Updated” date reflects the most recent revision, and the version in effect at the time of your purchase governs that purchase. Material changes will be communicated by reasonable means.

13.2 Notices

Notices to the Company must be sent to the Company at 510 Superior Avenue, Suite 200A, Newport Beach, California 92663, with a copy to [email protected]. The Company may notify you via the contact information associated with your account.

13.3 Assignment

The Company may assign this Agreement to a successor or affiliate, including in connection with a merger, acquisition, or sale of assets. You may not assign without the Company’s prior written consent.

13.4 Severability

If any provision is held invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary or severed, and the remaining provisions shall continue in full force and effect.

13.5 Entire Agreement

This Agreement, together with the Terms of Service and other incorporated documents, constitutes the entire agreement regarding its financial subject matter and supersedes prior or contemporaneous understandings on that subject.

13.6 No Waiver

Failure to enforce any provision is not a waiver of that or any other provision.

13.7 Survival

Sections 3, 5, 7, 8, 9, 11, and 12 survive termination.

13.8 Electronic Signature (E-SIGN / UETA)

Your electronic acceptance of this Agreement by clickwrap at checkout constitutes a valid and binding electronic signature under the federal E-SIGN Act and the California Uniform Electronic Transactions Act (UETA). The Company captures and retains the date, time, IP address, accepting user identity, and the specific version of this Agreement accepted.

13.9 Acceptance Mechanism

This Agreement is presented for acceptance through an active, unchecked clickwrap checkbox at checkout, immediately above the payment-authorization control. A copy of the accepted Agreement is delivered by confirmation email and, for clinical patients, stored to the patient’s Healthie EHR profile.

14. Designated Points of Contact

Billing / Customer Support / Pre-Dispute: [email protected]

HIPAA Privacy Officer / Security Officer: Dr. Meneena Bright

Treating Physician: Dr. Meneena Bright

Designated Covering Provider: Katharine Ishida, PA

Principal Business / Notice Address: Genesis MD, Inc., operating as Genesis Sleep MD, 510 Superior Avenue, Suite 200A, Newport Beach, California 92663

Registered Agent (Service of Process): 500 North Brand Boulevard, Suite 890, Glendale, California 91203

Copyright © 2026 Genesis MD, Inc. All rights reserved. “Genesis Sleep MD,” “Genesis MD,” and “Genesis Protocol” are trademarks or service marks of Genesis MD, Inc.