TERMS OF SERVICE

STARTUP PHYSICIANS LLC  Last updated: January 1, 2026 

Refund Policy 

STARTUP PHYSICIANS LLC Last updated: August 22, 2025  Overview  This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for each of our products and services.  Important: Refund terms vary by product type. Please review the specific policy for your purchased product below.  Product-Specific Refund Policies 

• Startup Physicians Launchpad (Online Course) 

  • Refund Policy: We want you to feel confident about your physician journey. That’s why we offer a zero-risk guarantee: you have 7 days from purchase to request a refund. Simply email us at team@startupphysicians.com and we’ll refund your entire payment. 

• Startup Physicians Incubator 

  • Refund Policy: There will be no refunds offered for this program. Please ensure you can participate to the full extent prior to purchasing. 

• One-on-One Coaching Sessions 

  • Refund Policy: There will be no refunds offered for coaching sessions. Sessions must be used within one year of purchase date. Please ensure you are able to participate fully before purchasing. Unused sessions are non-refundable and expire after one year. No extensions or credits will be granted for unused time. 

How to Request a Refund Email team@startupphysicians.com with your name, purchase date, email used to purchase, and product name.  Processing Refunds are processed within 5-10 business days to your original payment method. Transaction fees may be deducted.  Contact Questions? Email: team@startupphysicians.com 

AGREEMENT TO OUR LEGAL TERMS 

We are STARTUP PHYSICIANS LLC  (“Company,” “we,” “us,” “our”), a company registered in Tennessee, United States at Northwest Registered Agent Inc #000593933, 116 AGNES RD STE 200, KNOXVILLE, TN 37919.  These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and STARTUP PHYSICIANS LLC, concerning your access to and use of the Services. By accessing or using the Services, you are agreeing to these Legal Terms.   By enrolling in the program, you acknowledge and agree to these terms.  TABLE OF CONTENTS 

1. OUR SERVICES 

2. INTELLECTUAL PROPERTY RIGHTS 

3. USER REPRESENTATIONS 

4. USER REGISTRATION 

5. PRODUCTS 

6. PURCHASES AND PAYMENT 

7. REFUNDS POLICY 

8. PROHIBITED ACTIVITIES 

9. USER CONTENT AND COMMUNITY 

10. USER CONTENT LICENSE 

11. TESTIMONIALS AND REVIEWS 

12. SERVICES MANAGEMENT 

13. PRIVACY POLICY 

14. TERM AND TERMINATION 

15. MODIFICATIONS AND INTERRUPTIONS 

16. FORCE MAJEURE 

17. GOVERNING LAW 

18. DISPUTE RESOLUTION 

19. DISCLAIMER 

20. LIMITATIONS OF LIABILITY 

21. INDEMNIFICATION 

22. ELECTRONIC COMMUNICATIONS 

23. MISCELLANEOUS 

24. CONTACT US 

OUR SERVICES

We provide educational courses, coaching, and related services designed to help physicians with career and business development. By using our Services, you agree to comply with all applicable laws. 

INTELLECTUAL PROPERTY RIGHTS

Our intellectual property  We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).  Your use of our Services  Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to: 

• Access the Services; and 

• Download or print a copy of any portion of the Content to which you have properly gained access, 

solely for your personal, non-commercial use or internal business purpose.  Your submissions and contributions  You confirm that you have read and agree with our terms and will not post, send, publish, upload, or transmit through the Services any submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading.  You are solely responsible for your submissions, and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of this section, any third party’s intellectual property rights, or applicable law.  Copyright infringement  We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please contact us immediately. 

USER REPRESENTATIONS

By using the Services, you represent and warrant that all registration information you submit will be true, accurate, current, and complete and that you will maintain the accuracy of such information and promptly update such registration information as necessary. 

USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. 

PRODUCTS

All products are subject to availability. We reserve the right to discontinue any products at any time for any reason. Prices for all products are subject to change.  One-on-One Coaching Sessions  Coaching sessions must be scheduled and completed within one year of purchase date. 

PURCHASES AND PAYMENT

We accept various forms of payment as displayed during the checkout process. All purchases are subject to our terms and conditions.  Payment Plans  For programs offering payment plans: 

• By enrolling in a payment plan, you agree to complete all scheduled payments for the full program fee 

• Payment plans are a commitment to the complete program cost, regardless of participation level 

• Unlike subscriptions, payment plans cannot be cancelled mid-term 

• Access will be suspended for missed payments 

• Late fees may apply to overdue payments 

• Reinstatement requires payment of all outstanding amounts plus any applicable fees 

Collection Procedures  If payments become delinquent: 

1. Access to programs and services will be immediately suspended 

2. Late fees will be assessed according to the payment agreement 

3. Account may be referred to collection agencies or legal counsel 

4. You remain responsible for all collection costs, attorney fees, and court costs 

5. We may report delinquent accounts to credit reporting agencies 

Chargebacks and Payment Disputes  Please contact us directly to resolve any billing concerns before disputing charges with your financial institution. Unauthorized chargebacks may result in service termination and additional fees. 

REFUNDS POLICY

All purchases are subject to our Refund Policy. Please refer to our complete Refund Policy for full terms and conditions regarding refunds, including eligibility requirements, procedures, and timeframes. Our Refund Policy is incorporated into these Terms of Service by reference. 

PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. As a user of the Services, you agree not to: 

• Share your account access or login credentials with others 

• Use the Services for any illegal purpose or activity 

• Attempt to circumvent, disable, or interfere with security features or access restrictions 

• Copy, reproduce, distribute, or create derivative works from our content without written permission 

• Interfere with, disrupt, or create an undue burden on the Services or connected networks 

• Attempt to gain unauthorized access to other user accounts or our systems 

• Use the Services in any way that violates these Terms of Service 

Any violation of these prohibited activities may result in immediate termination of your access to the Services. 

USER CONTENT AND COMMUNITY

The Services include community features where you can post content (“User Content”). When participating, you agree that your content will not violate laws, infringe others’ rights, contain false information, or include harassment or inappropriate material.  We reserve the right to remove any content that, in our sole discretion, violates community standards or these terms. We may remove content or suspend community access for violations. By posting content, you grant us permission to display and moderate it within our Services. 

USER CONTENT LICENSE

By posting content in our community platforms, you grant us a non-exclusive license to display and moderate such content within our Services. You retain ownership of your content. 

TESTIMONIALS AND REVIEWS

If you provide testimonials or reviews about our Services, you represent that such content is truthful and based on your genuine experience. We may use testimonials for marketing purposes with appropriate attribution. 

SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: 

1. Monitor the Services for violations of these Legal Terms. 

2. Take appropriate legal action against anyone who violates the law or these Legal Terms. 

3. Refuse, restrict access to, limit the availability of, or disable any of your content. 

4. Remove from the Services or otherwise disable all files and content that are excessive in size or burdensome to our systems. 

5. Otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services. 

PRIVACY POLICY

We care about data privacy and security. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms.  Personal Information We Collect  We collect information you provide directly to us, such as your name, email, payment information, and course progress data.  How We Use Personal Information  We use your information to provide our Services, process payments, track course progress, send updates (with your consent), and comply with legal obligations.  Your Rights  You can access, update, or request deletion of your personal information by contacting us at info@alisoncurfmanmd.com. You can opt out of marketing communications at any time.  Please be advised the Services are hosted in the United States. If you access the Services from outside the United States, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. 

TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. We reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Services to any person for any reason or for no reason, including for breach of any representation, warranty, or covenant contained in these Legal Terms or of any applicable law or regulation.  We may terminate your use or participation in the Services or delete your account and any content or information that you posted at any time, without warning, in our sole discretion. 

MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will provide reasonable notice to you in advance of any such changes or modifications except in urgent situations such as preventing abuse, responding to legal requirements, or addressing security and operability issues.  We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. 

FORCE MAJEURE

We may be excused from performance obligations if prevented by circumstances beyond our reasonable control, including natural disasters, pandemics, government orders, war, terrorism, civil unrest, or major infrastructure failures. In such cases, we will make reasonable efforts to reschedule or provide alternative delivery methods, but will not be liable for delays, cancellations, or modifications to services caused by force majeure events. 

GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Tennessee applicable to agreements made and to be entirely performed within the State of Tennessee, without regard to its conflict of law principles. 

DISPUTE RESOLUTION

For any disputes, we encourage direct communication first. Contact us at info@alisoncurfmanmd.com and we’ll work to resolve issues promptly and fairly.  Any legal disputes will be governed by Tennessee law and resolved in Tennessee courts. 

DISCLAIMER

The Services are provided for educational purposes. We make no guarantees about specific outcomes or results from using our courses or coaching. While we strive for accuracy, you should verify information and consult appropriate professionals for your specific situation.  We are not responsible for technical interruptions or issues beyond our control.  Medical and Professional Disclaimers  The information provided through the Services is for educational purposes only and is not medical, legal, or financial advice. Although the company owner holds medical credentials, the Services do not constitute medical care, and no doctor-patient relationship is created.  For medical concerns, always consult your physician. In emergencies, call 911.  The content is based on personal experience and should not be considered personalized advice for your specific situation. 

1. LIMITATIONS OF LIABILITYWe are liable only for our breaches of these terms or applicable service-specific additional terms.  We are not liable for your business decisions, lost profits or revenues, or other damages, including punitive damages, relating or purporting to relate to your use of our services or educational content. In no event will our liability exceed the amount you paid for our services.

2. INDEMNIFICATION

You are responsible for your use of the Services and agree not to hold us liable for claims arising from your violations of these terms or applicable laws.  To the extent allowed by applicable law, you will indemnify us for any third-party legal proceedings (including actions by government authorities) arising out of or relating to your unlawful use of the services or violation of these terms or service-specific additional terms. This indemnity covers any liability or expense arising from claims, losses, damages, judgments, fines, litigation costs, and legal fees.   

ELECTRONIC COMMUNICATIONS

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing. 

CONTACT US

If you have any questions, wish to address any dispute regarding the Services, or would like to receive additional information regarding use of the Services, please contact us at:  STARTUP PHYSICIANS LLC 116 AGNES RD STE 200 KNOXVILLE, TN 37919 United States  Email: team@startuppphysicians.com