Terms of Use

Licensed Application End User License Agreement

The Anchor application ("Licensed Application") made available through the App Store is licensed, not sold, to you. Your license to the Licensed Application is subject to your prior acceptance of this End User License Agreement ("EULA").

This EULA is between you and Your Journey to Healing, PLLC ("Application Provider") only, and not with Apple, Inc. ("Apple"). The Application Provider is solely responsible for the Licensed Application and its content.

1. Scope of License

The Application Provider grants to you a nontransferable license to use the Licensed Application on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions. The terms of this EULA will govern any content, materials, or services accessible from or purchased within the Licensed Application as well as upgrades provided by the Application Provider that replace or supplement the original Licensed Application, unless such upgrade is accompanied by a separate EULA.

• You may not distribute or make the Licensed Application available over a network where it could be used by multiple devices at the same time
• You may not transfer, redistribute, or sublicense the Licensed Application and, if you sell your Apple Device to a third party, you must remove the Licensed Application from the Apple Device before doing so
• You may not copy (except as permitted by this license and the Usage Rules), reverse-engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Licensed Application, any updates, or any part thereof (except as and only to the extent that any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing use of any open-sourced components included with the Licensed Application)

2. Description of Services

Anchor is a dual-mode mental health and wellness application offering two distinct service tiers:

Private Therapy Client Portal

For clients of Your Journey to Healing, PLLC, the App provides a secure portal for therapy-related features including secure messaging with your assigned therapist, access to shared documents, session-related resources, and progress tracking tools. Access to the Therapy Client Portal requires an active therapeutic relationship with a provider at Your Journey to Healing, PLLC.

Anchor Health is owned and operated by Your Journey to Healing, PLLC ("Company"), the founding entity of the platform. The Company provides a technology platform that enables licensed therapists and their clients to access digital tools and services.

Therapists who utilize the platform may operate as independent practitioners or through separate professional entities. Unless expressly stated in a separate written agreement, such therapists are not employees, agents, partners, or representatives of Your Journey to Healing, PLLC.

Any therapeutic or professional relationship formed through the platform is solely between the client and the individual therapist and/or the therapist's affiliated practice entity. Your Journey to Healing, PLLC does not direct, control, supervise, or assume responsibility for the clinical services, professional judgment, documentation, or regulatory compliance of independent therapists.

Each therapist is solely responsible for maintaining appropriate licensure, malpractice coverage, and compliance with all applicable federal and state laws and professional standards governing the delivery of behavioral health services.

Public Wellness Companion

Available to all registered users, the Wellness Companion provides self-guided tools and resources including mood tracking, journaling, guided meditation and breathing exercises, educational wellness content, AI-powered mood insights, community forums, and goal-setting features.

3. Consent to Use of Data

You agree that the Application Provider may collect and use technical data and related information — including but not limited to technical information about your device, system and application software, and peripherals — that is gathered periodically to facilitate the provision of software updates, product support, and other services to you (if any) related to the Licensed Application.

The Application Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or to provide services or technologies to you. For full details on data handling, please review our Privacy Policy.

4. Account Registration and Security

To access the App's features, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and current
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account or any other security breach

You must be at least 18 years of age to create an account and use the App. We reserve the right to suspend or terminate accounts that contain false or misleading information, or that are used in violation of this EULA.

5. Subscription and Payment Terms

Anchor offers subscription-based access to premium features. All subscriptions are managed exclusively through Apple In-App Purchases.

Subscription Management

• All subscription purchases, renewals, and cancellations are processed through the Apple App Store
• You can manage your subscription, including cancellation, through your iOS Settings under Subscriptions
• Subscription prices are displayed in the App and confirmed through the Apple purchase flow

Auto-Renewal

• Subscriptions automatically renew at the end of each billing period unless canceled at least 24 hours before the end of the current period
• Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current billing period
• You may turn off auto-renewal at any time through your Apple ID account settings

Refunds

All refund requests are handled directly by Apple in accordance with their refund policies. Your Journey to Healing, PLLC does not process refunds for In-App Purchases. To request a refund, contact Apple Support or visit reportaproblem.apple.com.

Free Features

Certain basic features of the App may be available without a subscription. We reserve the right to modify which features are included in free and paid tiers at any time.

6. External Services

The Licensed Application may enable access to the Application Provider's and/or third-party services and websites (collectively and individually, "External Services"). You agree to use the External Services at your sole risk. The Application Provider is not responsible for examining or evaluating the content or accuracy of any third-party External Services, and shall not be liable for any such third-party External Services.

Data displayed by any Licensed Application or External Service, including but not limited to financial, medical, and location information, is for general informational purposes only and is not guaranteed by the Application Provider or its agents. You will not use the External Services in any manner that is inconsistent with the terms of this EULA or that infringes the intellectual property rights of the Application Provider or any third party.

The Application Provider reserves the right to change, suspend, remove, disable, or impose access restrictions or limits on any External Services at any time without notice or liability to you.

7. User Conduct

You agree to use the App in a responsible and lawful manner. You shall not:

• Use the App for any unlawful purpose or in violation of any applicable laws or regulations
• Harass, abuse, threaten, or intimidate other users, including in community forums
• Post or transmit content that is defamatory, obscene, hateful, or discriminatory
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity
• Attempt to gain unauthorized access to other user accounts, the App's systems, or any connected networks
• Upload or transmit viruses, malware, or any other harmful code
• Interfere with or disrupt the App's functionality or servers
• Scrape, data mine, or use automated means to access or collect data from the App
• Use the App to provide unauthorized medical, therapeutic, or clinical advice to other users
• Share your therapy portal credentials or provide access to confidential therapeutic content to unauthorized parties

8. Intellectual Property

All content, features, and functionality of the App, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the overall design and layout, are the exclusive property of Your Journey to Healing, PLLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.

• You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes in accordance with this EULA
• You may not copy, modify, distribute, sell, lease, or create derivative works based on the App or its content without our prior written consent
• The Anchor name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Your Journey to Healing, PLLC
• Content you create within the App (such as journal entries and mood logs) remains your property, but you grant us a limited license to store and process it as necessary to provide the App's services

9. Not a Substitute for Professional Care

• Call 911 for emergencies
• Call 988 (Suicide & Crisis Lifeline)
• Go to your nearest emergency room
• Text HOME to 741741 (Crisis Text Line)

The wellness tools, educational content, AI-powered insights, and self-guided resources provided through the App are for informational and educational purposes only. They do not constitute medical advice, mental health treatment, diagnosis, or therapy. Always seek the advice of a qualified healthcare provider with any questions regarding a medical or mental health condition.

10. HIPAA Notice

For Therapy Clients

If you are receiving clinical services from a licensed therapist who utilizes the Private Therapy Client Portal, your protected health information ("PHI") is handled in accordance with applicable federal and state healthcare privacy laws, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA), where applicable.

The applicable covered entity is the licensed therapist and/or the therapist's affiliated practice entity providing your care. Anchor Health and Your Journey to Healing, PLLC provide the technology platform and implement HIPAA-conscious safeguards designed to support compliant use of the platform by covered entities and their business associates.

HIPAA-conscious safeguards for therapy client data include:

• Encryption of protected health information in transit and at rest
• Secure authentication and role-based access controls
• Access to PHI limited to authorized providers on a need-to-know basis
• Audit logging of access to therapy client records
• Secure messaging infrastructure for therapist-client communications

Each independent therapist or practice entity is responsible for determining its own compliance obligations, including execution of any required Business Associate Agreements (BAAs).

Wellness Companion Users

Users who are not receiving clinical services from a licensed therapist through the Private Therapy Client Portal are not covered by HIPAA protections through this App. However, we apply commercially reasonable administrative, technical, and physical safeguards to protect all user data regardless of account type.

11. No Warranty

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE LICENSED APPLICATION IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE LICENSED APPLICATION AND ANY SERVICES PERFORMED OR PROVIDED BY THE LICENSED APPLICATION ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND THE APPLICATION PROVIDER HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE LICENSED APPLICATION AND ANY SERVICES, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND OF NONINFRINGEMENT OF THIRD-PARTY RIGHTS. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY THE APPLICATION PROVIDER OR ITS AUTHORIZED REPRESENTATIVE SHALL CREATE A WARRANTY. SHOULD THE LICENSED APPLICATION OR SERVICES PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU.

12. Limitation of Liability

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL THE APPLICATION PROVIDER BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE LICENSED APPLICATION, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE) AND EVEN IF THE APPLICATION PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU.

In no event shall the Application Provider's total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) exceed the amount of fifty dollars ($50.00). The foregoing limitations will apply even if the above stated remedy fails of its essential purpose.

13. Export Compliance

You may not use or otherwise export or re-export the Licensed Application except as authorized by United States law and the laws of the jurisdiction in which the Licensed Application was obtained. In particular, but without limitation, the Licensed Application may not be exported or re-exported (a) into any U.S.-embargoed countries or (b) to anyone on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Department of Commerce Denied Persons List or Entity List. By using the Licensed Application, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use these products for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture, or production of nuclear, missile, or chemical or biological weapons.

14. U.S. Government End Users

The Licensed Application and related documentation are "Commercial Items", as that term is defined at 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation", as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein.

15. Termination

This EULA is effective until terminated by you or the Application Provider. Your rights under this EULA will terminate automatically if you fail to comply with any of its terms. We may also suspend or terminate your access to the App at any time, with or without cause and with or without notice.

You may terminate your account at any time by using the account deletion feature within the App or by contacting us directly. Upon termination, your right to use the App will immediately cease. Any active subscriptions should be canceled through your Apple ID settings to prevent further charges.

Provisions of this EULA that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, and limitations of liability.

16. Third-Party Beneficiary

You acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of this EULA, and that, upon your acceptance of the terms and conditions of this EULA, Apple will have the right (and will be deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary thereof.

17. Governing Law

Except to the extent expressly provided in the following paragraph, this EULA and the relationship between you and the Application Provider shall be governed by the laws of the State of California, excluding its conflicts of law provisions. You and the Application Provider agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Santa Clara, California, to resolve any dispute or claim arising from this EULA.

If (a) you are not a U.S. citizen; (b) you do not reside in the U.S.; (c) you are not accessing the Service from the U.S.; and (d) you are a citizen of a European Union country, Switzerland, Norway, or Iceland, the governing law and forum shall be the laws and courts of your usual place of residence.

Specifically excluded from application to this EULA is that law known as the United Nations Convention on the International Sale of Goods.

18. Changes to Terms

We reserve the right to modify or update this EULA at any time. When we make changes, we will:

• Update the "Effective Date" at the top of this EULA
• Post the updated EULA within the App
• Notify users of material changes via email or in-app notification

Your continued use of the App following the posting of revised terms means that you accept and agree to the changes. If you do not agree to the updated EULA, you must stop using the App and may request account deletion.

Apple Standard EULA

This agreement incorporates Apple's Licensed Application End User License Agreement. You can review the full Apple Standard EULA at:

https://www.apple.com/legal/internet-services/itunes/dev/stdeula/