Terms of service

ICHRAx Terms of Use
Effective Date: September 28th, 2026

These Terms of Use govern your access to and use of the ICHRAx platform and the website at ichrax.com. By accessing or using either one, you agree to these terms. If you do not agree, do not use the website or platform.

Relationship to your organization's agreement. Platform accounts are issued to individuals who work for ICHRA administrators, insurance carriers, and other organizations that have a written agreement with ICHRAx. That agreement is the "Customer Agreement," and it includes any business associate agreement. It governs your organization's use of the platform. If these terms conflict with the Customer Agreement, the Customer Agreement controls.

Privacy. Our Privacy Policy at ichrax.com/privacy-policy explains how we collect, use, and protect information. It is part of these terms.

1. What ICHRAx Does

ICHRAx operates a data exchange platform that transmits health benefit enrollment information between ICHRA administrators and insurance carriers, on their instructions. ICHRAx does not sell insurance, bind coverage, provide quotes, or make coverage decisions. ICHRAx does not verify the accuracy or completeness of the enrollment data its customers send. The sending organization is responsible for that data and for having the authority to send it.

2. Accounts and Access

·     Platform accounts are available only to individuals authorized by an ICHRAx customer. Your organization is responsible for requesting accounts for its personnel. It must also tell ICHRAx promptly when someone no longer needs access, for example when they change roles or leave.

·     Each account is for one person. Do not share your account or credentials with anyone, including coworkers.

·     Keep your credentials confidential. Use multi-factor authentication when the platform offers or requires it.

·     You are responsible for all activity under your account.

·     Use your access only to perform your job for your organization, and only in the ways your organization permits.

3. Security Responsibilities

Notify ICHRAx right away at security@ichrax.com if any of the following happens:

·     you believe your account or credentials have been compromised

·     you see activity on the platform you did not perform

·     you find that information was sent to or received by the wrong party

·     you discover a security weakness in the website or platform

Cooperate with any investigation ICHRAx or your organization conducts. Do not try to investigate or test a suspected vulnerability yourself.

4. Protected Health Information

Enrollment data on the platform often includes protected health information under HIPAA. ICHRAx handles it under the business associate agreement with your organization. When you use the platform, you agree to:

·     access only the minimum information you need for your job

·     not copy, download, export, print, or forward enrollment data except as your organization's policies allow

·     not include protected health information in support requests, emails, chat-messages, or free-text fields

·     not submit protected health information through the public website, including contact or inquiry forms

5. Acceptable Use

You may not, and may not help anyone else to:

·     access or try to access accounts, data, or systems you are not authorized to use

·     probe, scan, or test the vulnerability of the website or platform, or perform penetration testing, without ICHRAx's prior written permission

·     bypass, disable, or interfere with authentication, encryption, logging,or other security controls

·     introduce malware or other harmful code

·     overload or disrupt the website or platform, or interfere with other users' access

·     use bots, scrapers, or other automated means to access the platform,except through interfaces ICHRAx has documented and authorized for yourorganization

·     reverse engineer, decompile, or copy the platform, or use it to build a competing product

·     send data you do not have the authority to send, or send it for anypurpose other than your organization's business with ICHRAx

·     misrepresent your identity or your affiliation with an organization

·     use the website or platform in violation of any law, including HIPAA

6. Monitoring and Logging

ICHRAx logs access to and activity on the platform. We use these logs for security, audit, and compliance purposes. We may review them, keep them as our agreements and policies require, and share them with your organization or as required by law.By using the platform, you acknowledge this monitoring.

7. Suspension and Termination

ICHRAx may suspend or restrict an account without advance notice if we believe it is needed to protect the security of the platform or of the data on it, or to comply with law. Examples include suspected credential compromise and violation of these terms. When we do, we will notify the account's organization. Your access ends when your organization removes you or when its Customer Agreement ends. Sections 4, 6, 8, 9, and 12 through 16 continue to apply after your access ends.

8.Confidentiality

Non-public information about the platform is ICHRAx confidential information. This includes documentation, interface specifications, and security information. Use it only to work with the platform on your organization's behalf, and do not disclose it to anyone else.

9. Intellectual Property

The website and platform are owned by ICHRAx or its licensors and are protected by intellectual property laws. That includes software, text, graphics, logos, and design. Subject to these terms and the Customer Agreement, you receive a limited, non-exclusive, non-transferable right to use the platform for your organization's business. No other rights are granted. Enrollment data and other information your organization provides belong to your organization, as described in the Customer Agreement.

10. Feedback

If you give us suggestions or feedback about the website or platform, we may use them without any obligation to you.

11. Third-PartyLinks

The website may link to third-party sites. ICHRAx is not responsible for their content or practices.

12. Disclaimers

Except as stated in the Customer Agreement, the website and platform are provided "as is" and "as available," without warranties of any kind, express or implied. This includes, to the fullest extent permitted by law, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. ICHRAx does not warrant that the website or platform will be uninterrupted or error-free. Any service commitments are set out in the Customer Agreement.

13. Limitation of Liability

Except as stated in the Customer Agreement, and to the fullest extent permitted by law, ICHRAx will not be liable for any indirect, incidental, special, consequential, or punitive damages. This includes lost profits or lost data arising from your use of, or inability to use, the website or platform.

14. Governing Law and Venue

These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules. Any dispute arising from these terms will be brought in the state or federal courts located in Dallas County, Texas, unless the Customer Agreement provides otherwise.

15. Changes to These Terms

We may update these terms. The current version is posted at ichrax.com/terms-conditions with its effective date. We will notify customer account contacts of any material change. Continuing to use the website or platform after a change takes effect means you accept the updated terms.

16. General

·     These terms, the Privacy Policy, and the Customer Agreement are the entire agreement about your use of the website and platform.

·     If any provision is found unenforceable, the rest stays in effect.

·     If we do not enforce a provision, that does not waive it.

·     You may not assign these terms. ICHRAx may assign them in connection with a merger, acquisition, or sale of assets.

17. Contact Us

ICHRAx, LLC
Email: legal@ichrax.com (security issues: security@ichrax.com)
Mailing address: 10000 N Central Expy, Suite 438, Dallas, TX 75231

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