3.1 You must be at least 18 years old to create an account on the Platform, whether as a Client or as a Caregiver. By creating an account, you confirm that you meet this requirement.

3.2 A Patient receiving care through the Platform may be a minor, an elderly individual, or any other dependent of the Client. Where the Patient is a minor or otherwise unable to provide informed consent, the Client (an adult of at least 18 years) is responsible for providing consent on the Patient's behalf and for ensuring a responsible adult is present or reachable during Care Sessions involving that Patient.

3.3 You agree to provide accurate, current, and complete information when creating your account, and to keep that information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

3.4 Account dormancy. A Wallet or account that has had no activity for a period of one (1) year may be classified as dormant. Reactivating a dormant account may require you to complete additional verification steps.

7.1 Mikul Health is an aggregating and facilitating platform. We connect you with independent Caregivers and Medics; we do not employ them, supervise their day-to-day work, or provide care ourselves.

7.2 While we carry out verification of Caregivers as described in Section 6, we do not guarantee the accuracy of any background check, the ongoing conduct of any Caregiver, or the outcome of any care provided.

7.3 Mikul Health shall not be held liable for any theft, loss, damage, injury, or other serious incident arising during the course of a Care Session, except where such liability cannot lawfully be excluded or limited under applicable Nigerian law.

7.4 You are responsible for exercising your own discretion and due diligence regarding any Caregiver matched or assigned to you.

8.1 Mikul Health is an aggregating and facilitating platform. We connect you with Clients and Patients seeking care; we do not control the environment, conduct, or circumstances of any Client's household.

8.2 While we carry out verification of Clients to the extent reasonably possible, we do not guarantee the safety, conduct, or circumstances of any Client, Patient, or household to which you are assigned.

8.3 Mikul Health shall not be held liable for any theft, loss, damage, injury, or other serious incident you experience in the course of providing a Care Session, except where such liability cannot lawfully be excluded or limited under applicable Nigerian law.

8.4 You are responsible for exercising your own discretion and due diligence regarding any assignment.

11.1 We may suspend, restrict, or terminate your account where you use your account for unauthorised purposes, we detect abuse, misuse, fraud, or attempted fraud; we are required to do so by a competent authority; we reasonably believe you are in breach of these Terms; or it is necessary for technical, safety, or operational reasons.

11.2 You may close your account at any time by contacting support@mikulhealth.com. Upon closure, we will retain your data only in accordance with our Privacy Policy and applicable record-keeping obligations.

11.3 Where we restrict, suspend, or terminate your account, you will be notified of the action and, where applicable, the reason for it, except where notification would conflict with a legal or regulatory requirement.

12.1 Payment Processing. Client payments for Bookings are processed through Paystack, a licensed payment service provider.

12.2 Caregiver Wallet and Disbursements. Caregiver wallets and payment disbursements are managed and serviced through PiggyVest for Business (PPFirst).

12.3 Commission. Mikul Health retains a commission on Booking payments before disbursing the balance to the assigned Caregiver. Any direct, independent payment arrangement between a Client and a Caregiver for Services facilitated through the Platform, made outside the Platform's payment systems, is a breach of these Terms.

12.4 Subscriptions and Renewals. Recurring care plans are billed monthly and expire one month after the subscription date unless renewed. Where a Client does not renew, any remaining unused service for that period may be forfeited, except where otherwise agreed in writing.

12.5 Refunds. If a Client requests a refund after a Care Session has commenced, a 20% deduction will be applied to the remaining balance to cover administrative and processing costs, with the refund processed at the end of the relevant billing month. No refunds will be issued for Services already rendered.

12.6 Taxes. Each party is responsible for their own applicable taxes arising from amounts paid or received through the Platform.

12.7 Changes to Charges. We may introduce new payment methods or adjust charges from time to time. We will provide reasonable advance notice of any material change to pricing before it takes effect for existing Bookings.

14.1 To the maximum extent permitted by applicable Nigerian law, Mikul Health's total liability arising out of or in connection with these Terms or your use of the Platform shall be limited to the amount of fees paid by you to Mikul Health in the three (3) months preceding the event giving rise to the claim.

14.2 Nothing in these Terms excludes or limits liability for death or personal injury caused by Mikul Health's proven negligence, fraud, or any other liability that cannot lawfully be excluded or limited.

14.3 You agree to indemnify and hold Mikul Health harmless from claims, losses, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, your violation of applicable law, or your misuse of the Platform.