Master Terms of Service, Telemedicine Informed Consent & IP Shield

1.1 Technology & Escrow Platform (AFYA TELEMED LLC — USA): AFYA TELEMED LLC owns and operates the proprietary software platform, AI clinical decision-support tools, high-altitude (`2,355m`) physiological calibration algorithms, and Diaspora Care Sponsorship portal. AFYA TELEMED LLC is a technology and management services organization (MSO) and does not itself practice medicine.

1.2 United States Clinical Consultations (Afya Telemed Medical Group, P.C.): All clinical consultations provided to patients physically located within the United States are delivered exclusively by independent, state-licensed physicians affiliated with Afya Telemed Medical Group, P.C. (a physician-owned professional corporation).

1.3 Ethiopian Clinical Consultations, Labs & Pharmacies (Afya Telemed Ethiopia PLC): All clinical consultations, home phlebotomy diagnostic panels (ICL / Arsho), and e-Prescription fulfillments (Gishen / Kenema / Partner Pharmacies) for patients physically located in Ethiopia are coordinated through Afya Telemed Ethiopia PLC and delivered solely by clinicians and facilities holding active licenses from the Ministry of Health (MoH) and the Ethiopian Food and Drug Authority (EFDA).

By booking a video consultation, submitting triage vitals, or using the AI Symptom Checker, you provide explicit, affirmative informed consent under the Ethiopian National Telehealth Guidelines and US state telehealth statutes to receive remote healthcare services via encrypted audio/video and asynchronous store-and-forward technology. You acknowledge that AI triage outputs and Addis Ababa (`2,355m`) altitude-adjusted SpO2/Hemoglobin reference ranges are clinical decision-support aids reviewed by licensed human clinicians.

3.1 Closed-Loop Healthcare Vouchers (Zero Cash Leakage): Diaspora Care Vouchers (`AFYA-XXXX-XXXX`) purchased on /diaspora/sponsor are closed-loop pre-purchased medical service credits redeemable strictly for healthcare consultations, diagnostic lab panels, and EFDA-verified pharmacy medications. Vouchers have zero peer-to-peer cash withdrawal value.

3.2 Payee-Agent Role & Daily NBE Conversion: AFYA TELEMED LLC acts as the authorized Payee Agent for contracted healthcare providers, converting USD sponsorships into Ethiopian Birr (ETB) at the live daily National Bank of Ethiopia (NBE) indicative weighted average rate (`1 USD = $161.00 ETB`) in compliance with NBE Directive No. FXD/01/2024.

3.3 100% 30-Day Unredeemed Refund Guarantee: If a sponsored care voucher is not redeemed by the designated beneficiary within thirty (30) calendar days of issuance, the Sponsor may request a 100% refund of the package amount to the original Stripe/Chapa payment method.

All source code, user interfaces, 9-role clinical workflows, AI SOAP Scribe prompt architectures, high-altitude calibration models, NBE escrow engines, and trademarks on afyatelemedcare.com are the exclusive intellectual property and trade secrets of AFYA TELEMED LLC (United States). Any unauthorized scraping, framing, reverse-engineering, clinical workflow replication, or commercial copying by any user, clinician, or partner organization is strictly prohibited and subject to immediate injunctive relief and statutory damages under US federal law (Defend Trade Secrets Act, 18 U.S.C. § 1836) and Ethiopian intellectual property law.