Terms of Service

By accessing or using the JagaHealth platform — including our mobile application, web portal, and all related services (collectively, the "Service") — you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.

If you do not agree to these Terms, you must not use the Service. These Terms constitute a legally binding agreement between you and PT Spark Lexicon Innovalley ("JagaHealth", "we", "us", "our").

These Terms comply with Indonesian law, including: • Undang-Undang No. 11 Tahun 2008 jo. UU No. 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik (ITE Law) • Undang-Undang No. 36 Tahun 2009 tentang Kesehatan • Permenkes No. 20 Tahun 2019 tentang Penyelenggaraan Pelayanan Telemedicine Antar Fasilitas Pelayanan Kesehatan • Peraturan Konsil Kedokteran Indonesia (KKI) terkait praktik kedokteran

JagaHealth is a digital health platform that provides:

• Telemedicine consultations — Video-based doctor-patient consultations with licensed Indonesian physicians • Digital health records — Secure storage and management of personal medical records • Health monitoring — Integration with health devices for continuous vital sign tracking • Online pharmacy — Digital prescription fulfilment and medicine delivery • Lab test coordination — Referral and result management for diagnostic tests

JagaHealth is a technology platform that facilitates healthcare services. We do not directly employ physicians; all medical services are provided by independent licensed practitioners and partner healthcare facilities.

3.1 Eligibility To use JagaHealth, you must be at least 18 years of age, or use the Service under the supervision and consent of a parent or legal guardian. You must have legal capacity to enter into binding contracts under Indonesian law.

3.2 Account Accuracy You agree to provide accurate, complete, and current information when registering. Providing false identity information, including a false NIK, is a violation of these Terms and may constitute a criminal offence under Indonesian law.

3.3 Account Security You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at admin@jagahealth.com if you suspect unauthorized access.

3.4 One Account Per Person Each individual may maintain only one patient account. Healthcare providers must register through the official provider onboarding process.

IMPORTANT: JagaHealth is not a substitute for emergency medical care.

4.1 No Emergency Services JagaHealth does not provide emergency medical services. If you are experiencing a medical emergency, immediately call 119 (Indonesia emergency) or go to the nearest hospital emergency department.

4.2 Clinical Responsibility All medical decisions, diagnoses, and treatment plans are the sole responsibility of the licensed physician conducting the consultation. JagaHealth provides the technological infrastructure but does not practice medicine.

4.3 Second Opinion Information provided through JagaHealth should not be the sole basis for critical healthcare decisions. Users are encouraged to seek in-person evaluation when clinically indicated.

4.4 Scope of Telemedicine Consistent with Permenkes No. 20 Tahun 2019, certain medical conditions require in-person evaluation and cannot be managed through telemedicine alone. Physicians on our platform are trained to refer patients to in-person care when appropriate.

You agree to:

• Provide honest and complete health information during consultations • Use the Service only for lawful personal healthcare purposes • Not impersonate any person or entity, or misrepresent your identity or health condition • Not attempt to obtain prescriptions for controlled substances through deception • Not record, share, or distribute consultation content without express written consent from all participants • Not use the platform for commercial purposes without authorization • Not attempt to reverse-engineer, scrape, or disrupt the platform • Comply with all applicable Indonesian laws and regulations

Violation of these obligations may result in immediate account suspension and, where applicable, referral to relevant authorities.

Physicians and other healthcare professionals using JagaHealth agree to additional obligations:

• Maintain valid, current Indonesian medical licensure (Surat Tanda Registrasi / STR and Surat Izin Praktik / SIP) • Comply with Kode Etik Kedokteran Indonesia (KODEKI) and all applicable professional standards • Only provide services within their clinical scope of practice and competency • Maintain patient confidentiality in accordance with Indonesian medical ethics and UU PDP • Issue prescriptions only when clinically justified and in compliance with applicable pharmaceutical regulations • Cooperate with SatuSehat data integration requirements as mandated by Kemenkes RI • Maintain adequate professional indemnity insurance

7.1 Pricing Consultation fees and service charges are displayed in Indonesian Rupiah (IDR) and are inclusive of applicable taxes. Prices are subject to change with 7 days' advance notice.

7.2 Payment Payments are processed through our certified third-party payment gateway. We accept major debit/credit cards, bank transfers, and select e-wallets (GoPay, OVO, Dana, ShopeePay).

7.3 Refund Policy • Consultations not started due to doctor unavailability: full refund within 3 business days • Technical failures preventing consultation completion: full refund or free reschedule at your option • No refunds for completed consultations • Pharmacy orders: refunds processed in accordance with applicable consumer protection regulations (UU No. 8 Tahun 1999 tentang Perlindungan Konsumen)

For refund requests: admin@jagahealth.com

All content on the JagaHealth platform — including but not limited to the software, text, graphics, logos, and user interface design — is the property of PT Spark Lexicon Innovalley or its licensors and is protected by Indonesian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Service for personal healthcare purposes only. You may not copy, modify, distribute, sell, or sublicense any part of the Service.

Your medical records and health data remain your property. You grant JagaHealth a limited license to process this data solely as necessary to provide and improve the Service.

To the maximum extent permitted by Indonesian law:

• JagaHealth's aggregate liability for any claim arising from these Terms or use of the Service shall not exceed the amount you paid to JagaHealth in the three (3) months preceding the claim

• We are not liable for indirect, incidental, special, or consequential damages, including loss of data, loss of health outcomes, or medical complications arising from telemedicine consultations

• We are not liable for the acts or omissions of independent healthcare providers using the platform

Nothing in these Terms limits liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

10.1 By You You may close your account at any time via the app settings or by contacting admin@jagahealth.com. Medical records will be retained for the legally required period (minimum 5 years) after account closure.

10.2 By JagaHealth We may suspend or terminate your account immediately if we reasonably believe you have: • Violated these Terms or applicable law • Provided false registration or health information • Engaged in fraudulent or abusive behavior • Posed a risk to other users, healthcare providers, or the integrity of the platform

We will notify you of termination unless prohibited by law or where notification would cause harm.

These Terms are governed by the laws of the Republic of Indonesia.

Any dispute arising from or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation within 30 days of written notice.

If negotiation fails, disputes shall be submitted to the Badan Arbitrase Nasional Indonesia (BANI) in accordance with its arbitration rules. The arbitration shall be conducted in Bahasa Indonesia in Yogyakarta, Indonesia.

Notwithstanding the above, either party may seek urgent injunctive relief from a competent court.

We reserve the right to modify these Terms at any time. We will provide at least 14 days' notice of material changes via in-app notification and email. Your continued use of the Service after the effective date of updated Terms constitutes your acceptance.

If you do not agree to updated Terms, you must stop using the Service and may close your account.

For questions about these Terms:

PT Spark Lexicon Innovalley Email: admin@jagahealth.com General: admin@jagahealth.com Phone: +62-821-406-2635 Address: Yogyakarta, Indonesia