Policies | ZOOM+Care

This document (the “Terms and Conditions”) describes how we treat your personal information, explains how we handle your credit or debit card, and describes your financial responsibilities and how you may use the ZOOM+ website and electronic services.

Updated June 20, 2017

  1. Who We Are
  2. Patient Financial Terms
  3. Joint Notice of Privacy Practices
  4. General Website and App Policies
  5. Website Privacy Policy Policies

1. Who We Are

ZOOM+Care(™) is the leading provider of on-demand healthcare and health insurance. We consist of three entities: 1) clinical care providers in Zoom Care, P.C., an Oregon professional corporation, 2) clinical care providers in Zoom Care Washington PLLC, a Washington professional limited liability company, and 3) Zoom Health Plan, Inc., an Oregon corporation doing business as ZOOM+Care Health Insurance.

In these Terms and Conditions, when we refer to “ZOOM+Care” we mean the clinical care providers, and when we refer to “ZOOM+Care Health Insurance” we mean Zoom Health Plan, Inc. When we refer to “ZOOM+,” we mean ZOOM+Care and ZOOM+Care Health Insurance together.

2. Using and Paying for Zoom+Care Services

2.1. Financial Policy

ZOOM+Care is recognized for providing complete on-demand healthcare scheduled on your smartphone. In order to provide you with on-demand healthcare at a fair price, we need an honest, clear, and direct financial relationship with you. We serve you directly, not your insurance company. As a result, you are ultimately responsible for paying for your care. The following policies explain how ZOOM+Care bills and collects payment for our services.

2.2. Use of Your Credit or Debit Card

When you schedule a visit at a ZOOM+Care clinic, you understand you are reserving a dedicated visit time. ZOOM+Care requires that a credit or debit card be kept on file in order to schedule visits. We retain this information securely on file until your card expires in order to cover any costs related to this or any additional treatments or services you receive at ZOOM+Care. Scheduling a visit with ZOOM+Care [or ZOOM+Care Chat] and acknowledging this policy implies consent for us to retain your card information and charge up to, but not more than, $500.00 per transaction for any treatment fees, pharmacy fees, and other fees related to your care.

2.3 Zoom+Care Chat Terms of Use

Zoom+Care Chat offers instant access to medical care from our trusted MDs, NDs, NPs, and PAs. We diagnose and treat hundreds of conditions online. Zoom+Care Chat may be accessed via the Zoom+Care website, or via the iOS App on your phone. Zoom+Care Chat is not a substitute for emergency medical services. Call 911 or your local emergency services provider if you believe that you are having a medical emergency.

2.3.1 ChatCare encounters are $25 per interaction, or free if your Chat takes place within 7 days of a visit to a Zoom+Care clinic. Chats will be charged to the credit card we have on file for you within 24 hours. You will be asked to confirm that you understand there is a fee before the chat care services begins. Chat fees are not submitted to your insurance provider and may only be paid by credit card.


2.3.2 If your ChatCare provider orders prescriptions for you during during the course of your Chat, you will be charged separately by the pharmacy that fills your prescription.


2.3.3 Zoom+Care Chat is only available to patients residing in Oregon, and is only provided in English at this time.


2.3.4 You must be 18 years old to use the ChatCare service. However, an adult may use ChatCare to get care for a child or dependent by following the “Who is this for?” prompt in the introductory Chat service dialog.


2.3.5 There is no fee if a Chat is dropped or incomplete for technical reasons. In the case of hostile or inappropriate behavior by the patient, the provider may terminate a Chat at any time at their discretion, and will advise you that the Chat is being terminated. A terminated Chat will be treated as abandoned, meaning that treatment recommendations will not be entered into the patient chart, and new or refill prescriptions will not be processed; however depending on the duration of the Chat your credit card may be charged the regular service fee in effect at that time.

2.4. No Shows and Late Policy

2.4.1. You authorize ZOOM+Care to keep your signature on file and to charge your credit/debit card up to $99 if you arrive late and do not reschedule another visit for the same day, if you fail to show up for your visit, or if you cancel with less than 1 hour of notice for urgent care or less than 24 hours for all other services. This is a Non-Refundable Fee.

2.4.2. For a Video Visit via Skype, you understand you are reserving a dedicated visit time with a ZOOM+Care Provider who will be calling you at the specified time to care for you. By acknowledging this policy, you authorize ZOOM+Care to keep your signature on file and to charge your credit/debit card $35 once your Video Visit is scheduled. If you fail to show or if you cancel with less than 1 hour of notice, you authorize ZOOM+Care to charge your credit/debit card up to $35 as a missed visit fee. This is a Non-Refundable Fee.

2.5. Acknowledgment of Financial Responsibility

You acknowledge that you are financially responsible for and agree to pay for all services and products received at ZOOM+Care. You acknowledge that payment is required at the time of service unless other arrangements – such as the billing of insurance - have been made. Payment for services includes payment of applicable coinsurance, copayments and deductibles for participating insurance companies. ZOOM+Care accepts VISA, MasterCard, Discover Card and American Express. ZOOM+Care does not accept cash.

2.6. Billing Insurance & Assignment of Benefits Statement

As a courtesy to you, ZOOM+Care will bill health insurers with which ZOOM+Care has a contract. However, you understand and agree that you (not the insurance company nor any other entity) are ultimately responsible for all fees for services received at ZOOM+Care, unless otherwise specified by state or federal law, or other billing arrangements have been made.

2.6.1. If you have health insurance, you authorize your health insurance and health plans to make payments directly to ZOOM+Care. You agree to pay for any charges you owe which are not paid by your insurance.

2.6.2. You understand that if your primary health insurance or health plan does not pay ZOOM+Care within 60 days of this visit, ZOOM+Care may then bill you directly or charge your credit or debit card on file the total amount due.

2.6.3. As a courtesy, ZOOM+Care will also bill secondary insurance policies. However, if payment is not received from any secondary insurer within 30 days of billing a secondary insurer, ZOOM+Care may then directly bill you or charge to your credit or debit card on file the total amount billed to the secondary insurer.

2.6.4. Not all services provided at ZOOM+Care will be covered by your health insurance. You are responsible for knowing your insurance benefits and guidelines regarding what is covered by your insurance. ZOOM+Care does not know what services your insurance plan covers or does not cover or what the level of coverage will be. You are responsible for paying ZOOM+Care for all services and products provided that are not covered by your insurance.

2.6.5. You acknowledge that you are responsible for knowing whether you are eligible to use this insurance at the time of service at ZOOM+Care. It is your responsibility to provide ZOOM+Care with valid insurance information at every visit. If your insurance is not in effect at the time of service at ZOOM+Care you will pay ZOOM+Care for the full amount of the bill for the services received at the time you receive care.

2.6.6 You are required to declare your method of payment when you schedule any ZOOM+Care service. You may declare your method of payment “self-pay” or “uninsured” or you may select your insurance plan(s). If you select an insurance plan(s) and if it is verified to be an active policy, then ZOOM+Care will consider you to be “insured”. As an insured customer, ZOOM+Care will calculate your financial responsibility when you receive care and collect your financial responsibility when you receive care. If you have selected an insurance plan and ZOOM+Care has verified this is an active plan, you may not change your payment method to “self-pay” at your visit. If you select “self-pay” you may not submit your invoice to an insurance company for reimbursement. If you do, ZOOM+Care is not responsible for processing the claims and will not process any claims related to this matter.

2.7. Outstanding Balance and Collection Policy

2.7.1 You agree to pay any outstanding balance within 30 days of service.

2.7.2 Charges not paid after 60 days from the date of service will be assessed a $50 collection fee and transferred to a collection agency. If it becomes necessary to effect collections of any amount owed on this or subsequent visits, you agree to pay all legal costs and expenses, including reasonable attorney fees. You hereby authorize ZOOM+Care to release information necessary to secure payment.

2.8. Medicare

If you are eligible for Medicare, you understand that ZOOM+Care may not be able to provide services to you, even if you prefer to pay out-of-pocket and not file a claim. For more information, please refer to the ZOOM+Care Medicare Policy Statement below, or contact us as instructed in Section 4.11 below.

2.9. Refunds

You understand that overpayments of $5.00 or less will be credited to subsequent ZOOM+Care visits.

2.10. Laboratory and Radiology Services

2.9.1. You understand that ZOOM+Care may recommend that you receive laboratory tests or radiology services at non-ZOOM+Care facilities or may send laboratory samples from ZOOM+Care for processing at a non-ZOOM+Care facility. If a ZOOM+Care clinician recommends that you obtain tests or services at another facility, you understand you are free to obtain such tests or services from any provider you choose.

2.9.2. You understand that you will receive a separate bill from the laboratory, imaging center, or radiology practice, depending on the service you receive.

2.9.3. If ZOOM+Care provides you pricing for laboratory or radiology testing services, it is only an estimate and other tests may be added based on laboratory testing protocols.

2.9.4. ZOOM+Care is not responsible for the prices or payment of bills incurred for these tests.

3. Joint Notice of Privacy Practices – Patients and Plan Members


3.1. This joint notice applies to Protected Health Information of both ZOOM+Care Patients and ZOOM+ Care Health Insurance Members (together, the “Notice”). A Patient is anyone who receives or has received healthcare from ZOOM+Care, and a Member is anyone who is or has been covered by the ZOOM+ Care Health Insurance plan. This Notice applies to all ZOOM+Care clinics, and to ZOOM+ Care Health Insurance in all markets in which ZOOM+ Care Health Insurance provides health insurance.

3.2. This Notice does not apply to you if you are not a Patient or a Member, but only use the ZOOM+ website for educational or informational purposes as a Visitor. Please see our Website Privacy Policy at Section 5 below for information about how we may use or disclose Personal Information about Visitors.

3.3. What Laws Apply?

At ZOOM+, we are committed to protecting the privacy rights of our Patients and Members. You have a variety of rights under the federal law known as HIPAA, the Health Insurance Portability and Accountability Act of 1996, and the related Privacy Rule published by the U.S. Department of Health and Human Services. If you receive care or coverage in Washington, you also have similar rights under Washington State law. Those rights are described in this notice.

3.4. Summary of Our Obligations Under HIPAA

3.4.1. We are required by law to maintain the privacy of Protected Health Information. We must provide you with this Notice of our legal duties and privacy practices with respect to your protected health information. We are also required to notify you if your unsecured Protected Health Information is affected by a Breach. We are required to abide by the terms of this Notice, as currently in effect.

3.4.2. We reserve the right, when we change a privacy practice, to change the terms of this Notice and to make the new Notice provisions effective for all Protected Health Information that we maintain. If we do update this Notice, we will provide you with a new Notice by posting the Notice on our website. We will also send the revised Notice to ZOOM+ Care Health Insurance Members in our next annual mailing to them, and make it available at our ZOOM+Care clinics.

3.4.3. We would also like you to know that even if you are a ZOOM+ Care Health Insurance Member treated by a ZOOM+Care physician, we will not share Protected Health Information between the companies except as permitted under this Notice. We may share Protected Health Information for purposes of treatment, payment or healthcare operations, or to inform you about health-related products or services offered by the companies that we think may be of interest to you.

3.5. What is Protected Health Information?

Protected Health Information includes more than just information about medical procedures. The term includes all information created or received by or on behalf of ZOOM+Care or ZOOM+ Care Health Insurance which can be used to identify an individual and relates to: The past, present, or future physical or mental health or condition of that individual. The provision of healthcare to that individual. The past, present, or future payment for the provision of healthcare to that individual. This Protected Health Information is sometimes known as “PHI.” Washington State has its own law which protects similar information, called “Health Care Information.” Unless we specify otherwise, when we refer to “PHI,” this also includes a reference to Health Care Information. Obviously, when treating you, we need to use all available relevant medical information. However, in other circumstances, we will use the minimum PHI necessary for the transaction.

3.6. Our Core Reasons for Using and Disclosing Protected Health Information

There are three core purposes for which we are permitted to use or disclose Protected Health Information without obtaining your written authorization (sometimes called “consent”), or without giving you a chance to object or agree to the use of disclosure.

3.6.1. For Treatment. Treatment means the provision, coordination, or management of healthcare and related services by one or more healthcare providers, including the coordination or management of healthcare by a healthcare provider with a third party; consultation between healthcare providers relating to a patient; or the referral of a patient for healthcare from one healthcare provider to another. For instance, if your ZOOM+Care physician refers you to a specialist, ZOOM+Care will provide your relevant files to that specialist. Likewise, if you are a ZOOM+ Care Health Insurance Member, ZOOM+ Care Health Insurance may provide information to your primary care physician to help coordinate your care.

3.6.2. For Payment. Payment means both the activities undertaken by a healthcare provider or health plan to obtain or provide reimbursement for the provision of healthcare; and by a health plan to obtain premiums or to determine or fulfill its responsibility for coverage and provision of benefits under the health plan. For instance, if you are a ZOOM+Care Patient, ZOOM+Care will share necessary information with your insurance company, including ZOOM+ Care Health Insurance if it provides your coverage, to help obtain payment for your doctor visits. Likewise, if you are a Member, ZOOM+ Care Health Insurance may use your Protected Health Information to determine your eligibility for benefits, or disclose it to other health plans under which you are covered to coordinate your benefits.

3.6.3. For Healthcare Operations. Healthcare operations are certain specific business or administrative activities healthcare providers and health plans may need to engage in. Healthcare operations may include (1) conducting quality assessment and improvement activities, including outcomes evaluation and development of clinical guidelines; (2) reviewing the competence or qualifications of healthcare professionals and plans evaluating practitioner and provider performance; or (3) certain underwriting, premium rating, and other activities relating to the creation, renewal or replacement of a contract of health insurance or health benefits. For instance, ZOOM+Care may use your Protected Health Information to allow the supervising doctor for a clinic to review the quality of the services you received. Likewise, ZOOM+ Care Health Insurance might use Protected Health Information about the costs of services you received to develop a more cost-effective health plan.

3.7. Disclosures for Legal Purposes

In some circumstances ZOOM+Care or ZOOM+ Care Health Insurance may disclose your Protected Health Information without your authorization in order to comply with federal or state law. For example:

3.7.1. ZOOM+Care may provide information to public health agencies to protect public health and safety, or to prevent or control diseases, injuries, or conditions.

3.7.2. ZOOM+Care or ZOOM+ Care Health Insurance may provide information to disaster relief organizations such as the Red Cross to assist in disaster relief efforts.

3.7.3. ZOOM+Care may report suspected child or vulnerable adult abuse or neglect to authorized governmental agencies.

3.7.4. As health plans and healthcare providers, ZOOM+Care and ZOOM+ Care Health Insurance are subject to oversight reviews by federal and state and other agencies. These agencies may conduct audits, perform inspections and investigations, license healthcare providers, health plans, and healthcare facilities, and enforce federal and state regulations.

3.7.5. ZOOM+Care may be required to provide information to the U.S. Food and Drug Administration (FDA) to investigate or track problems with prescription drugs and medical devices.

3.7.6. Either company may provide information to law enforcement officials under limited conditions, such as to report a crime at a ZOOM+Care clinic.

3.7.7. If you are in the U.S. armed forces or certain national security or certain other federal governmental agencies, we may be required to provide information to authorized federal officials.

3.7.8. We may be required to provide your Protected Health Information in response to a court order and, in certain cases, in response to a subpoena, discovery request, or other lawful process.

3.8. Disclosures for Other Purposes

ZOOM+Care or ZOOM+ Care Health Insurance may also use or share your Protected Health Information without your authorization in the following circumstances:

3.8.1. With a family member or friend who is involved in your care or the payment for your care, including someone you identify when you are present and agree, or if you are not present or are incapacitated and in a ZOOM+Care clinician’s professional judgment it is in your best interest to share information about your care.

3.8.2. ZOOM+Care may send you visit reminders, to remind you that you have a healthcare visit.

3.8.3. If you are a ZOOM+ Care Health Insurance Member, to communicate with you about our network, health plan, providers and related issues.

3.8.4. In order to remind you about preventive health services or to let you know about treatment alternatives, providers, settings of care, healthcare delivery services or health and wellness matters which may be helpful to you.

3.9. Uses Requiring Your Authorization

3.9.1. Except as described above, ZOOM+ will only use or disclose your Protected Health Information with your written consent or authorization. We are not permitted to sell or rent your Protected Health Information and may not use or share your Protected Health Information for marketing purposes without your authorization.

3.9.2. Federal and state laws may provide special protections for sharing specific kinds of Protected Health Information and require authorization from you before we can share that specifically protected information. For example, notes of psychotherapy sessions, information about specific types of sexually transmitted disease, and mental health issues may be specifically protected. Before disclosing this type of information we will contact you for the necessary authorization.

3.9.3. If you sign an authorization to disclose your Protected Health Information, you may revoke it at any time by letting us know in writing. However, the revocation does not affect actions taken before we receive it.

3.10. Your Other Privacy Rights

You have a number of rights under HIPAA, the Privacy Rule, and state regulations that you may choose to exercise. These consist of:

3.10.1. The right to request restrictions on certain uses and disclosures of Protected Health Information. For example, you can ask us to restrict disclosure of your PHI to family members about your condition or location.

3.10.2. Upon your written request, we must agree to the following restrictions: ZOOM+Care cannot disclose your information to any health plan (including ZOOM+ Care Health Insurance) about any health care product or service for which you, or someone other than the health plan, has paid ZOOM+Care in full. In Washington, upon your request neither ZOOM+Care nor ZOOM+ Care Health Insurance may disclose your information to your immediate family members, friend or other individual with which you have a close personal relationship. In Washington, upon your request neither ZOOM+Care nor ZOOM+ Care Health Insurance may disclose your information to a health care provider or health care facility which we reasonably believe has previously provided you with health care. Whether you request it or not, ZOOM+ Care Health Insurance will not use your genetic information (as defined in the Privacy Rule) for underwriting purposes. Except in the above cases we are not obligated to agree to these restrictions. If we do agree, we must honor that agreement (except in certain emergency situations).

3.10.3. The right to receive confidential communications including Protected Health Information. For instance, you may wish to be contacted only at home and not at work, or vice versa. For instance, if you request us to contact you only at a specific address or telephone number, we will do so or we will make every effort to accommodate reasonable requests, and have an obligation to comply if you tell us that noncompliance may endanger you.

3.10.4. The right to review and request a copy of information in your ZOOM+Care medical and billing records, and your ZOOM+ Care Health Insurance enrollment, payment, claims adjudication, and case or medical management records, and certain other records used by either ZOOM+Care or ZOOM+ Care Health Insurance to make decisions. We do require that you make this request in writing. If you wish to, you may see your record or get more information about it at a ZOOM+Care clinic, but we will also provide you with electronic copies. We may charge a reasonable fee for the cost of producing and providing you with a paper or electronic copy. Under some conditions we may deny your request, in which case we will tell you why we are denying it. You have the right to ask for a review of our denial.

3.10.5. The right to request amendment of information in your ZOOM+Care medical and billing records, and your ZOOM+ Care Health Insurance enrollment, payment, claims adjudication, and case or medical management records, and certain other records used by either ZOOM+Care or ZOOM+ Care Health Insurance to make decisions. We do require that you make this request in writing. Under some conditions we may deny your request, in which case we will tell you why we are denying it. You have the right to ask for a review of our denial.


3.10.6. On request, you can receive an accounting of certain disclosures of your Protected Health Information made by or on behalf of ZOOM+Care or ZOOM+ Care Health Insurance.


3.10.7. Even if you have agreed to receive privacy notices electronically, you can have, on request, a paper copy of this notice.


3.10.8. You may get more information about exercising these rights, or may request restrictions, confidential communications, or access to or amendment of your Protected Health Information or an accounting of disclosures by contacting the Privacy Officer using the contact information under “Questions and Complaints” provided below.

4. General Website and App Terms of Use

Use of the Website or App Constitutes Agreement with the Terms of Use

The ZOOM+ website and app are services for ZOOM+ Patients to schedule visits, store personal information, and better manage their health using online-enabled care from their medical team (the “Service”). The Service is operated by ZOOM Management, Inc. ("Company") on behalf of ZOOM+Care. By using the Company’s Website or App, (for ease of reference, together described in this document as the "Website") you agree to be bound by these Terms of Use (this "Agreement"), whether or not you register as a ZOOM+Care Patient ("Patient") or become a ZOOM+ Care Health Insurance Member. If you object to anything in this Agreement or the ZOOM+ Joint Notice of Privacy Practices, do not use the Website or the Service. The Terms of Use are subject to change by ZOOM+ at any time, effective upon posting on the Website, and your use of the Service after such posting will constitute acceptance by you of such changes.

4.1. Termination of Registration

Your authorization to use the Website may be terminated under the following circumstances:

4.1.1. Upon your request in writing.

4.1.2. In case of a misrepresentation by you in registering.

4.1.3. For violation by the you of these Terms and Condition or other applicable policy.

4.1.4. In case you no longer meet the qualifications for registration.

4.1.5. Upon the termination or shutdown of the website for any reason.

4.1.6. You may terminate your registration by contacting us at ZOOM+, 1455 NW Irving St, Suite 600, Portland OR 97209.

4.2. Non-commercial Use of the Website

The Website is for the personal use of individuals only and may not be used in connection with any commercial endeavors. Organizations, companies, and/or businesses may not become Patients or Members or otherwise use the Service or the Website for any purpose.

4.3. Ownership of Website Content

ZOOM+ owns and retains all proprietary rights in the Website and the Service. The Website contains the copyrighted material, trademarks, and other proprietary information of ZOOM+. Except for that information which is in the public domain or for which you have been given written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information.

4.4. Modifications to the Service

ZOOM+ reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that ZOOM+ shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

4.5 Disclaimers

ZOOM+ is not responsible for any incorrect or inaccurate content posted on the Website or in connection with the Service. ZOOM+ is not responsible for any problems or technical malfunction of any telephone network, computer online systems, servers or providers, computer equipment, software, failure of email on account of technical problems or traffic congestion on the Internet, including injury or damage to users and/or Members. Under no circumstances will ZOOM+ be responsible for any loss or damage, including personal injury or death, resulting from anyone's use of the Website or the Service, any Content posted on the Website or transmitted to Members. The Website and the Service are provided "AS-IS." ZOOM+ cannot guarantee any specific results from use of the Website and/or the Service.

4.6. Participation in Interactive Services

4.6.1. Patients may use this Website to view certain information displayed from their medical records, including the results of certain laboratory tests. Your use of these features is considered to be a request by you to receive your lab test results online.

4.6.2. ZOOM+Care provides you with a number of interactive online services to help you better manage your health. These services may include (but are not limited to) secure messaging relating to: Communicating with ZOOM+ Providers Scheduling Visits Accessing lab results

4.6.3.  You agree that you will not upload or transmit any communications or content of any type (including secure messaging) that infringe upon, misappropriate, or violate any rights of any party.

4.6.4.  In consideration of being allowed to use these Services, you agree that the following actions shall constitute a material breach of this Agreement: Signing on as or pretending to be another person Using secure messaging or transmitting any material in violation of any applicable law Using interactive services in a way that is intended to harm or would likely harm others Intentionally distributing viruses or other harmful computer code. ZOOM+ expressly reserves the right, in its sole discretion, to terminate a user's access to any interactive services and/or to any or all other areas of the Website due to any act that would constitute a violation of this Agreement.

4.7. Links to Third Party Sites

The Service may provide, or third parties may provide, links to other websites or resources. Because ZOOM+ has no control over such sites and resources, you acknowledge and agree that ZOOM+ is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources.

4.8. Use by Children

We are committed to protecting the privacy of children. You should be aware that the Website and Services are not intended or designed to attract children under the age of 18. In addition, we require all Members to be at least 18 years old. If we learn that we have collected personal information from a person under age 18, we will delete that information as quickly as possible. If you believe that we might have any information about a person under age 18, please contact us at legal@zoomcare.com.

4.9. Jurisdiction and Choice of Law

If there is any dispute arising out of the Website and/or the Service, by using the Website, you expressly agree that any such dispute shall be governed by the laws of the State of Oregon, without regard to its conflict of law provisions, and you expressly agree and consent to the exclusive jurisdiction and venue of the state and federal courts of the Oregon for the resolution of any such dispute. Any action for damages or injuries related to use of the Website or Services must be commenced within one year from the date such damages or injuries are alleged to have occurred.

4.10. Indemnification

You agree to indemnify and hold ZOOM+, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement and/or arising from a breach of this Agreement and/or any breach of your representations and warranties set forth above.

4.11. ZOOM+Care Medicare Policy

ZOOM+Care is recognized for its fair, simple and affordable prices. However, U.S. federal law requires healthcare providers who provide care for Medicare beneficiaries to accept the Medicare price. Unfortunately, what Medicare pays is less than ZOOM+Care's real costs of providing care. Further, U.S. federal law even prohibits Medicare beneficiaries the option of simply paying out of pocket for our services. Therefore, U.S. federal law forces ZOOM+Care and many primary care physicians into the untenable position of denying healthcare services to Medicare beneficiaries. ZOOM+Care believes that this aspect of Medicare law is nonsensical and sadly, unjust. Therefore, ZOOM+Care, reluctantly and with great disappointment, cannot provide services to Medicare beneficiaries. ZOOM+Care is continuing to evaluate the highly complicated and evolving federal Medicare law, and hopes to one day be able to care for Medicare beneficiaries.

4.11.1. If you are a Medicare beneficiary:

If you are a Medicare beneficiary, we regretfully will not be able to provide service to you, even if you prefer to pay out-of-pocket and not file a claim. This is in accordance with US federal law.

4.11.2. If you are Medicare-eligible but have declined Medicare coverage:

If you are Medicare-eligible but have declined Medicare coverage (for example, because you continue to be covered by your employer's policy), you will be asked at the time of your visit to verify that you are not a Medicare beneficiary. We will be honored to serve you.

4.12. ZOOM+ Ethics

ZOOM+ established at its founding the highest standard of ethical conduct in the healthcare industry. We created the following policies to keep your healthcare needs as our highest priority, and to provide great care at an affordable price.

4.12.1. Pharmaceutical Industry

ZOOM+ prohibits pharmaceutical industry representatives from meeting with ZOOM+ employees including physicians and physician assistants. ZOOM+ employees may not receive gifts from pharmaceutical industry representatives or serve as consultants to the pharmaceutical industry. ZOOM+ recognizes that the pharmaceutical industry discovers and produces therapies of vital importance to the health of the people we serve. However, ZOOM+ evaluates pharmaceutical products on the merits of the scientific evidence of a product's safety and efficacy. Pharmaceutical industry sales and marketing may distort this evaluation and consumes time devoted to caring for you.

4.12.2. Medical Devices and Technologies

ZOOM+ employees including physicians and physician assistants may not receive gifts from medical device and technology companies, serve as consultants to such companies or otherwise have a financial relationship with such companies.

4.12.3. Referrals

ZOOM+ employees including physicians and physician assistants may not receive gifts from any hospital, laboratory, imaging center, emergency department or any other individual physician or provider of care to whom you may be referred.

5. Website Privacy Policy

This Section of these Terms and Conditions addresses our collection and use of Personal Information by users of the ZOOM+ website (our “Privacy Policy”). Any personal information you submit to the Website may also be governed by the Joint Notice of Privacy Practices (the “Notice”). To the extent there is an inconsistency between this Agreement and the Joint Notice of Privacy Practices, the Notice shall govern. This Privacy Policy does not apply to information that we collect by other means (including offline) or from other sources.

5.1. Personal Information means any information we collect from our website that may be used to identify an individual, including, but not limited to, a first and last name, email address, a home, postal or other physical address, other contact information, title, birth date, gender, insurance benefit coverage, and other information when needed to provide a service you requested. Personal Information about ZOOM+Care Patients and ZOOM+ Health Insurance Members is Protected Health Information subject to our Joint Notice of Privacy Practices. This section of these Terms and Conditions addresses how we use and share Personal Information about other website users (“Visitors”).

5.2. When you browse our website, you do so anonymously, unless you have previously indicated that you wish ZOOM+ to remember your login and password. We do log your IP address (the Internet address of your computer) to give us an idea of which parts of our website you visit and how long you spend there. But we do not link your IP address to any personal information unless you have logged in to our website.

5.3. Tracking Technology

Like many other commercial websites, the ZOOM+ website may use a standard technology called a "cookie" to collect information about how you use the site.

5.3.1. A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites.

5.3.2. Some parts of ZOOM+’s website uses cookies to understand user traffic patterns. We do this in order to determine the usefulness of our website information to our users and to see how effective our navigational structure is in helping users reach that information.

5.3.3. If you prefer not to receive cookies while browsing our website, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser, although you may not be able to take full advantage of ZOOM+'s website if you do so. You do not need to have cookies turned on to use/navigate through many parts of our website.

5.3.4. The Website may use other technologies such as beacons, tags, and scripts to collect information about users’ visits to the Website.

5.4. Personal Information Sharing and Disclosure

5.4.1. Your Personal Information is never shared outside ZOOM+ without your permission, except under conditions explained below. ZOOM+ may send your Personal Information to other companies or people under any of the following circumstances:

5.4.2. If you are a ZOOM+Care Patient or ZOOM+ Care Health Insurance Member, your Personal Information will only be used or disclosed as described in the Joint Notice of Privacy Practices.

5.4.3. If you are a Visitor, your Personal Information may be shared: When we have your consent to share the information; If we need to share your information to provide the product or service you have requested; If we need to send the information to companies who work on behalf of ZOOM+ to provide a product or service to you (we will only provide those companies the information they need to deliver the service, and they are prohibited from using that information for any other purpose); Or if we want to keep you up to date on the latest product announcements, software updates, special offers or other information we think you'd like to hear about.

5.4.4. We will also disclose your personal information if required to do so by law, to enforce these Terms and Conditions, or in urgent circumstances, to protect personal safety, the public or our websites.

5.5. Email Communication

5.5.1. If you are a Patient, ZOOM+Care may send you email communications regarding scheduled visits, health and healthcare as part of our service, and if you are a ZOOM+ Care Health Insurance member we may send you email about your health benefits.

5.5.2. In addition, we may occasionally send emails with information about our new products and services including free events and other ways we’re providing radical access and control of your health.

5.5.3. If you are a ZOOM+Care Patient or ZOOM+ Care Health Insurance Member you may choose to opt-in and receive these emails by a written authorization.

5.5.4. If you’d like to opt out of these latter emails you can do so by sending an email to health@zoomcare.com, by calling 503-684-8252, or by clicking on the “unsubscribe” link at the bottom of emails that you receive from us. Please note that this will not unsubscribe you from emails that we send concerning patient care or individual member services.

5.6. Video Visit via Skype(™) Privacy and Security

ZOOM+Care makes video visits available to ZOOM+Care Patients using Skype(™). ZOOM+Care has entered into a Business Associate Agreement with Skype’s provider, Microsoft, as required by HIPAA. Because Skype(™) is an independent company, ZOOM+Care cannot be responsible for the privacy, technical and security safeguards maintained by Skype(™) for its application. However, because Microsoft is a Business Associate in providing Skype(™) to ZOOM+Care, it is independently regulated by and required to comply with HIPAA.

5.7. Medical Imaging Services

5.7.1. ZOOM+Care Imaging may send an electronic copy of your X-rays and other digital medical images to the medical records accessible by you. You are welcome to use these images as you wish, including sharing them with other health care providers and posting them on social media.

5.7.2. Please keep in mind that once we have provided these images to you, we are no longer responsible for protecting them against misuse. For example, if you post an image to a social media website, that social media website may be able to use or publish it without your consent or knowledge. Other users may also be able to download and use or publish it without your consent or knowledge. Likewise, if you share it with an acquaintance, your acquaintance may use it or publish it without your knowledge or consent. It may be possible to identify you from the image, alone or in combination with other information the social media website or other persons may have. You should not share or post your medical images with any website or person you do not trust.

5.7.3. You acknowledge that you understand that once we have transmitted the image, we have no obligation or ability to protect it.

5.8. Revisions to this Privacy Policy

5.8.1. ZOOM+Care and ZOOM+ Care Health Insurance are required to comply with the terms of this Privacy Policy as it is currently in effect. We reserve the right to change the terms of this Privacy Policy. Any such revisions may be applied to Personal Information and Protected Health Information obtained before the effective date of the revision.

5.8.2. If we do revise this Privacy Policy, we will notify you as follows: We will prominently post notification of the change and the revised Privacy Policy on our website before the effective date of the revision. We will post the revised Notice and make copies available on-site at all ZOOM+Care clinics before the effective date of the revision.

5.9. Questions and Complaints

5.9.1. Privacy Complaints If you have a complaint about privacy matters, please let us know. You can make a complaint by writing or emailing our Privacy Officer using the contact information below. You may also contact the Office for Civil Rights of the federal Department of Health and Human Services (“HHS”). You will find information about the HIPAA complaint procedure on the HHS website.You can call toll-free for assistance at: 1-800-368-1019. We will not retaliate against you in any way for making a privacy complaint.

5.9.2. Contact Information

If you have any questions about any of the above information, please contact ZOOM+ at:

Telephone Number: 503-684-8252


Mail: ZOOM+Care, 1455 NW Irving St., #600, Portland, OR, 97209

Copyright © 2017, ZOOM+Care