Terms of Service

TABLE OF CONTENTS

SECTION 1. OVERVIEW AND ACCEPTANCE

1.1 Service Provider

This website and the elite genetic longevity program services (the "Service") are operated by Dr. Ola Abdalla, an individual operating under the brand name "Loju Longevity". Throughout these Terms, "I," "me," "my," and "Loju Longevity" all refer to Dr. Ola Abdalla as the service provider.

1.2 Agreement to Terms

By accessing, browsing, or using this website or Service, you ("you," "your," or "User") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service.

1.3 Authority to Accept

If you are accepting these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you have the legal authority to bind that entity to these Terms. In such cases, "you" refers to that entity.

1.4 Consumer Rights Protection

IMPORTANT NOTICE: Consumer protection laws in your jurisdiction may provide you with additional rights that cannot be limited or waived by these Terms. Nothing in these Terms is intended to limit any mandatory consumer rights you may have under applicable law, including but not limited to:

• EU Consumer Rights Directive and national consumer protection laws
• UK Consumer Rights Act 2015
• Australian Consumer Law (Competition and Consumer Act 2010)
• Canadian consumer protection legislation
• US state consumer protection laws
• New Zealand Consumer Guarantees Act 1993
• Similar consumer protection legislation in your jurisdiction

If any provision of these Terms conflicts with your mandatory consumer rights, your consumer rights will prevail to the extent of the conflict.

1.5 Scope of Service

The Service provides PhD-led genetic longevity analysis and AI-powered digital twin technology through a 12-month program. These Terms govern your use of:

• The website and all its content
• The AI digital twin analysis and personalized longevity protocols
• PhD-led consultation sessions
• All other services, features, or tools I may provide
• Customer support and communications

1.6 Updates to Terms

I reserve the right to modify these Terms at any time. For material changes affecting program terms, pricing, core functionality, or your rights:

• I will provide thirty (30) days advance notice via email to registered users and/or prominent website notice
• For changes affecting genetic or medical data processing: I will provide sixty (60) days advance notice with right to terminate and request data deletion before changes take effect
• Changes become effective thirty (30) days after notice (sixty days for genetic data changes)

For non-material changes (such as clarifications, corrections, or updates for legal compliance):

• Changes become effective immediately upon posting
• I will update the "Last updated" date at the top of these Terms

Your responsibility: It is your responsibility to review these Terms periodically. Your continued use of the Service after changes become effective constitutes your acceptance of the modified Terms.

1.7 Entire Agreement

Complete Agreement: These Terms, together with my Privacy Policy and any additional terms for specific features or services, constitute the entire agreement between you and me regarding the Service and supersede all prior or contemporaneous understandings, agreements, negotiations, representations, and warranties, whether written or oral.

Document Hierarchy: In the event of any conflict between these Terms and other incorporated documents, these Terms shall control unless the other document expressly states it supersedes these Terms.

No Oral Modifications: These Terms may only be amended by a written agreement signed by me, or by my posting of revised Terms in accordance with the modification procedures set forth herein. No oral modifications or agreements shall be binding.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be replaced with a valid provision that most closely reflects my original intent.

1.8 Nature of Service

IMPORTANT DISCLAIMER: This program offers scientific analysis and personalized advisory services for longevity optimization by analyzing genetic, epigenetic, and biomarker data obtained by clients from licensed laboratories to provide educational insights and lifestyle guidance. All services are advisory in nature and do not constitute medical care, clinical diagnosis, or therapeutic intervention. The goal is to empower clients with data-driven strategies to optimize their healthspan, enhance vitality, and make informed decisions about their longevity journey.

By using this Service, you acknowledge and agree that:

• I am not providing medical advice, diagnosis, or treatment
• The Service is educational and advisory only
• You should consult licensed medical professionals before making health decisions
• Results and recommendations are not guarantees of health outcomes

SECTION 2. USER ELIGIBILITY AND PROHIBITED CONDUCT

2.1 Age Requirements

By accepting these Terms, you represent and warrant that you are:

• At least 18 years of age
• At least the minimum age required by your local jurisdiction to enter binding contracts and provide informed consent for processing of genetic and medical data

Minimum Age Justification: Due to the sensitive nature of genetic and medical data processing and the requirement for informed consent under applicable data protection laws (including GDPR Article 9), all users must be at least 18 years of age. Users under 18 are not eligible to use the Service.

2.2 Prohibited Uses

You agree that you will NOT use the Service for any purpose that is unlawful or prohibited by these Terms. Specifically, you agree NOT to:

Legal and Compliance Violations

• Use the Service for any illegal, unauthorized, or fraudulent purpose
• Violate any applicable international, federal, provincial, state, or local laws, regulations, rules, or ordinances
• Infringe upon or violate my intellectual property rights or the intellectual property rights of others
• Violate any privacy, data protection, or genetic privacy laws and regulations
• Submit false, misleading, or fraudulent information, including misrepresenting genetic or medical data
• Make false representations about your identity, qualifications, or authority to use the Service
• Use genetic information obtained through the Service for discriminatory purposes, including discrimination in employment, insurance, or housing

Security and System Integrity

• Upload, transmit, or distribute malicious code, viruses, worms, trojans, or any other harmful software
• Attempt unauthorized access to my systems, servers, databases, genetic data storage, or other users' accounts
• Interfere with, circumvent, or disable the security features of the Service or related systems, particularly those protecting genetic and medical data
• Engage in activities that damage, disable, overburden, impair, or compromise my infrastructure or servers
• Use any automated system, including robots, spiders, bots, scrapers, or offline readers, to access the Service without my express written permission
• Send more request messages to my servers than a human can reasonably produce using a conventional web browser

Account and Program Misuse

• Share your account credentials or allow unauthorized access to your program enrollment
• Share accounts, transfer program benefits, or allow third-party access to your genetic analysis or digital twin models
• Create multiple accounts to circumvent usage limitations or program terms
• Use expired, invalid, or fraudulent payment methods

Genetic and Medical Data Misuse

• Misrepresent genetic or medical data or manipulate the AI digital twin analysis results
• Use any AI-generated longevity protocols, digital twin models, or genetic analysis reports for unlawful, misleading, or unethical purposes
• Share, sell, or distribute your genetic analysis results or digital twin models to third parties for commercial purposes
• Use genetic information from the Service to discriminate against yourself or others in employment, insurance, lending, or housing decisions
• Attempt to identify or re-identify de-identified genetic data
• Use the Service to obtain genetic information about others without proper authorization and consent

Competitive and Commercial Restrictions

• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software, algorithms, AI models, or digital twin technology used in the Service
• Create, develop, or operate competing genetic analysis or longevity services using my platform, data, insights, or methodologies
• Resell, redistribute, sublicense, or commercially exploit the Service or any AI-generated output (including digital twin models, genetic analysis, or longevity protocols) without my express written permission
• Use the Service to collect, harvest, or extract data for competitive intelligence or to build competing services

Prohibited Conduct

• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate against any person or entity
• Solicit others to perform or participate in any unlawful acts
• Collect, track, or store personal information or genetic information of others without proper authorization
• Engage in spam, phishing, pharming, pretexting, or similar deceptive practices
• Use the Service for any obscene, immoral, or inappropriate purpose
• Violate genetic privacy laws including GINA (Genetic Information Nondiscrimination Act) or similar legislation in your jurisdiction

Data Collection and Scraping

• Use automated tools, scripts, or systems to scrape, harvest, crawl, or extract data from the Service without my express written permission
• Attempt to access, collect, or use any data (particularly genetic or medical data) beyond what is specifically provided through your authorized program enrollment

2.3 Enforcement

Violation Consequences: Violation of these Terms may result in one or more of the following actions at my discretion:

• Warning and opportunity to cure the violation
• Temporary suspension of access
• Permanent termination of your account and access to the Service
• Immediate deletion of genetic and medical data (in cases of severe violations involving misuse of genetic information)

Notice and Process:

Except in cases of material breaches or severe violations (such as illegal activity, security threats, intellectual property infringement, or genetic data misuse), I will provide seven (7) days written notice of violations and, where appropriate, an opportunity to remedy the breach within ten (10) business days of such notice.

Immediate Termination:

I reserve the right to immediately suspend or terminate access without prior notice for material breaches or violations involving:

• Illegal activities or fraud
• Security breaches or attempts to compromise systems, particularly those storing genetic or medical data
• Repeated intellectual property infringement after prior notice
• Threats or harassment of other users or myself
• Misuse of genetic or medical data, including unauthorized sharing, commercial use, or discriminatory purposes
• Violations of genetic privacy laws (GINA, GDPR Article 9, or similar legislation)

Post-Termination:

Upon termination, your right to use the Service ceases immediately. Provisions relating to intellectual property, limitation of liability, indemnification, and dispute resolution shall survive termination.

Genetic and Medical Data Upon Termination:

• Your genetic and medical data will be deleted within 30 days of termination unless you request immediate deletion
• You may request a final export of your data before deletion (subject to format availability)
• In cases of termination for genetic data misuse, immediate deletion may be required without export option

Legal Action and Remedies:

In addition to termination, I reserve the right to pursue all available legal remedies for violations of these Terms, including but not limited to:

• Seek injunctive relief to prevent ongoing or threatened violations, particularly those involving genetic data misuse
• Recovery of all actual damages caused by the violation, including but not limited to lost revenue, system repair costs, data recovery expenses, and business interruption damages
• Recovery of attorney's fees and costs (where permitted by applicable law)
• Reporting illegal activities to appropriate law enforcement agencies, including violations of genetic privacy laws

Indemnification:

You agree to indemnify, defend, and hold me harmless from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees where permitted by law) arising from:

• Your violation of these Terms
• Your misuse of the Service, including misuse of genetic or medical data
• Any damage you cause to the Service or its infrastructure
• Any third-party claims resulting from your conduct, including claims related to genetic discrimination or genetic privacy violations
• Violations of genetic privacy laws (GINA, GDPR Article 9, or similar legislation) resulting from your actions

No Limitation on Damages:

You acknowledge that violations may cause irreparable harm for which monetary damages may be inadequate, and I am entitled to seek all available remedies without limitation, subject to applicable law. This is particularly true for violations involving genetic and medical data misuse, which may cause significant personal harm to affected individuals.

SECTION 3. ACCOUNT REGISTRATION AND SECURITY

3.1 Account Creation

To access the Service, you must create an account. You agree to provide accurate, current, and complete information and to keep your account information up to date within five (5) days of any changes.

3.2 Account Security and Confidentiality

You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account regardless of whether such activities were authorized by you.

Enhanced Security for Genetic Data: Given that your account contains access to sensitive genetic and medical data, you must:

• Use a strong, unique password
• Enable multi-factor authentication if available
• Never share your login credentials with anyone
• Log out after each session, especially on shared devices
• Immediately notify me of any unauthorized access

3.3 Breach Notification

You agree to notify me immediately via ola.abdalla2@icloud.com of any unauthorized use of your account or breach of security. I am not liable for any loss or damage arising from your failure to comply with this security obligation.

Priority Response: Reports of unauthorized access to accounts containing genetic or medical data will be investigated immediately, and affected data will be secured within 24 hours.

3.4 Account Suspension and Termination

I reserve the right to suspend or disable accounts that violate these Terms or engage in suspicious activity, pending investigation.

I reserve the right to suspend or terminate accounts that remain inactive (no login activity) for more than twelve (12) months, with sixty (60) days advance notice and opportunity to reactivate.

Genetic Data Upon Inactivity: If your account is terminated due to inactivity, your genetic and medical data will be deleted thirty (30) days after termination unless you reactivate your account within that period.

3.5 Account Transfer Restrictions

You must not share, transfer, or sell your account to any third party without my prior written consent. This restriction is particularly strict given the personal nature of genetic and medical data - accounts are non-transferable under any circumstances.

3.6 Data Retention Upon Termination

Upon account termination, I will retain certain account information as required by law or for legitimate business purposes (such as billing records). However, genetic and medical data will be deleted within thirty (30) days of termination unless:

• You request immediate deletion (completed within 7 business days)
• Legal obligations require extended retention
• You provide explicit consent for extended retention

SECTION 4. GENERAL CONDITIONS

I reserve the right to refuse service to anyone for any reason at any time permitted by applicable law, including where I determine that providing services would not be appropriate given the nature of genetic and medical data processing involved.

4.1 Data Transmission and Security

You understand that your content (excluding genetic and medical data) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to the technical requirements of connecting networks or devices.

Enhanced Security for Genetic Data: Genetic and medical data is transmitted and stored with enhanced encryption (AES-256 or equivalent) and is subject to additional security measures beyond standard account data.

All payment processing is handled by third-party payment processors and I do not collect, store, or have access to your credit card information. Payment processors do NOT have access to your genetic or medical data.

I implement reasonable security measures appropriate for the type of data processed, with enhanced protections for genetic and medical data. However, I cannot guarantee the absolute security of data transmission over the internet.

4.2 Intellectual Property Rights

My Ownership

I retain all rights, title, and interest in and to:

(a) the Service platform and software
(b) all AI algorithms, methodologies, digital twin technology, and analysis techniques
(c) all AI-generated analysis results, digital twin models, and outputs produced by the Service (excluding your underlying genetic and medical data)
(d) the website design, layout, content, branding, and all proprietary materials
(e) any improvements, modifications, or derivatives of the above created through operation of the Service

Your Ownership

You retain full ownership of:

• All genetic and medical data you provide to the Service
• All personal health information you submit
• Any content, materials, or information you provide during consultations

IMPORTANT: Your genetic and medical data belongs to you. I do not claim any ownership rights over your genetic information.

Your License to Analysis Results

I grant you a non-exclusive, non-transferable license to use AI-generated analysis results (including digital twin models, longevity protocols, and risk assessments) solely for your personal longevity optimization purposes. You must not reproduce, distribute, sell, resell, or commercialize any analysis results without my prior written consent.

Permitted Personal Use: You may share your analysis results with your healthcare providers, family members, or personal advisors for consultation purposes.

Prohibited Commercial Use: You may not use analysis results for commercial purposes, research studies, insurance applications, or employment decisions.

Term of License

Your license to use analysis results expires upon termination of your program enrollment, except for results you have already downloaded or incorporated into your personal health records prior to termination.

Your License Grant to Me

You grant me a limited, non-exclusive, royalty-free license during your program term to:

• Process, analyze, and use your submitted genetic and medical data solely to provide the Service
• Create digital twin models and longevity protocols based on your data
• Store and process your data as necessary to deliver the analysis results and consultations

Critical Limitations on My Use:

• I will NEVER use your genetic or medical data for research purposes without separate explicit written consent
• I will NEVER sell, license, or share your genetic data with third parties
• I will NEVER use your genetic data for commercial purposes beyond providing your contracted services
• Upon program termination, this license terminates and your data is deleted per Section 3.6

Portfolio and Marketing Rights

Genetic Data Exclusion: I will NEVER use your genetic or medical data, even in anonymized form, for portfolio, marketing, or promotional purposes.

I may use general, non-genetic program results (such as "client achieved X biological age reduction") in aggregate marketing materials, provided:

• No genetic information is disclosed
• No personally identifiable information is included
• You have not opted out of such use

You may opt out of any marketing use by emailing ola.abdalla2@icloud.com at any time.

Website and Content Protection

All website content, design, layout, graphics, logos, and branding materials are my proprietary property. You may not:

• Copy, reproduce, distribute, or scrape any website content
• Use any automated tools to access or extract website data
• Reproduce or imitate the website design or user interface

4.3 Data Insights and Improvements

Non-Genetic Data: I may use aggregated, anonymized data insights from non-genetic information (such as usage patterns, program engagement metrics) to:

• Improve algorithm performance and accuracy
• Develop new features and capabilities
• Conduct research and analysis for business purposes

Genetic Data Restrictions:

• Genetic data will NEVER be used for algorithm improvement without separate explicit written consent
• No individual genetic data or personally identifiable genetic information will be used for these purposes
• Any research use of genetic data requires separate consent, IRB approval where applicable, and clear opt-in procedures

SECTION 5. PRODUCTS, SERVICES, AND PRICING

5.1 Pricing and Changes

Prices for my Services are subject to change with thirty (30) days advance notice for existing clients. New pricing shall apply to subsequent program enrollments and shall not affect your current 12-month program period.

Promotional pricing, discounts, or special offers are subject to specific terms and conditions and may be modified or terminated at any time without notice to new applicants. Existing enrolled clients will not be affected by promotional changes during their active program period.

5.2 Service Delivery

All services are available exclusively online through my website and virtual consultations. No physical products are shipped or delivered. These services are subject to refund as outlined in my Refund Policy in Section 7.4.

5.3 Service Description and Functionality

Program Overview: My Services use artificial intelligence (AI) and machine learning models to create digital twin models, analyze genetic and biomarker data, predict health risks, and generate personalized longevity protocols. My AI technology analyzes genetic, epigenetic, and biomarker data to provide insights about longevity optimization and biological aging.

Service Components:

• 12 PhD-led one-hour consultation sessions throughout the year
• 4 quarterly digital twin model updates based on data you provide
• AI-powered predictive risk analytics
• Personalized longevity protocol generation
• Biological age assessment and tracking
• Ongoing program support and guidance

Critical Understanding:

• My AI-powered analysis provides insights and recommendations only and should not be considered medical advice or clinical diagnosis
• Results are based on pattern recognition, statistical analysis, and scientific research, not clinical medical evaluation
• I do not guarantee specific health outcomes, longevity extension, or biological age reduction
• I do not guarantee the accuracy, completeness, or reliability of any analysis or recommendations
• All recommendations should be reviewed with licensed healthcare providers before implementation

Data Requirements: You are responsible for:

• Obtaining genetic testing through licensed, certified laboratories
• Providing accurate laboratory results and biomarker data
• Updating health information quarterly for digital twin recalibration
• Consulting with healthcare providers before implementing any recommendations

5.4 Service Availability and Limitations

I reserve the right, but am not obligated, to limit the acceptance of clients to any person, geographic region, or jurisdiction. I may exercise this right on a case-by-case basis based on:

• Regulatory restrictions in certain jurisdictions
• Ability to provide adequate service quality

I reserve the right to limit the number of clients enrolled at any given time to ensure service quality. All descriptions of services or pricing are subject to change at any time with appropriate notice, at my sole discretion.

I reserve the right to discontinue the Service at any time with ninety (90) days advance notice to active clients. Any offer for any service made on my site is void where prohibited by law.

Geographic Restrictions: Due to varying healthcare and genetic privacy regulations, services may not be available in all jurisdictions. I will inform you during the application process if services cannot be provided in your location.

5.5 No Guaranteed Outcomes

IMPORTANT: I do not guarantee:

• Specific health improvements or outcomes
• Extension of lifespan or healthspan by any specific duration
• Reduction of biological age by any specific amount
• Prevention or detection of any specific diseases
• Accuracy of longevity predictions or risk assessments

Results vary based on individual genetics, lifestyle factors, adherence to protocols, and factors beyond my control.

SECTION 6. SERVICE DISCLAIMERS AND LIMITATIONS

6.1 Nature of Service and Medical Disclaimer

IMPORTANT DISCLAIMER: This program offers scientific analysis and personalized advisory services for longevity optimization by analyzing genetic, epigenetic, and biomarker data obtained by clients from licensed laboratories to provide educational insights and lifestyle guidance. All services are advisory in nature and do not constitute medical care, clinical diagnosis, or therapeutic intervention. The goal is to empower clients with data-driven strategies to optimize their healthspan, enhance vitality, and make informed decisions about their longevity journey.

By using this Service, you acknowledge and agree that:

• I am not providing medical advice, diagnosis, or treatment
• The Service is educational and advisory only
• You should consult licensed medical professionals before making health decisions
• You are responsible for obtaining genetic and medical data from licensed laboratories and healthcare providers
• Results and recommendations are not guarantees of health outcomes
• I am not a licensed medical practitioner and do not practice medicine

6.2 AI Analysis Accuracy and Limitations

I am not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information, including licensed healthcare providers. Any reliance on the material on this site is at your own risk.

While I strive to provide accurate and helpful insights, I make no warranties or representations regarding the completeness, accuracy, or reliability of any analysis, recommendations, or outputs provided by my Service, including digital twin models, predictive risk analytics, or personalized longevity protocols.

You acknowledge that:

• AI-generated analysis may contain errors, biases, or limitations and should not replace human judgment or medical advice
• My Service is intended to assist and supplement, not replace, human judgment, professional medical expertise, or clinical care
• AI systems can exhibit algorithmic bias and may not perform equally across all demographics, genetic profiles, or health conditions
• Machine learning models may produce inconsistent results and are subject to training data limitations
• You should independently verify and evaluate all AI-generated recommendations before making any health, lifestyle, or medical decisions
• I am not responsible for any health outcomes, medical decisions, or consequences resulting from your use of my analysis
• My AI models and analysis capabilities may be updated, retrained, or modified at any time to improve performance, which may result in different analysis outcomes for similar genetic or medical data over time
• The results are generated algorithmically and may not always reflect the actual health or longevity potential
• My AI models are continuously evolving and may produce different results over time for similar genetic or biomarker profiles
• The Service is designed to provide longevity insights but cannot guarantee the detection of all health risks or the accuracy of longevity predictions

You understand and agree that the AI-powered outputs are provided for informational and educational purposes only and should not be solely relied upon for making health, medical, or lifestyle decisions. I do not guarantee the accuracy, completeness, or usefulness of any AI-generated content, including digital twin models or longevity protocols.

6.3 Information Currency and Updates

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. I reserve the right to modify the contents of this site at any time, but I have no obligation to update any information on my site. You acknowledge and agree that it is your responsibility to monitor changes to my site.

I do not guarantee that my AI analysis shall comply with all local healthcare regulations, genetic privacy laws, or medical practice requirements in your jurisdiction. You are solely responsible for ensuring your use of genetic and medical information complies with applicable laws.

6.4 Not Professional Medical or Legal Advice

My Service does not constitute professional medical care, clinical diagnosis, genetic counseling, legal, or financial advice. You should consult with qualified healthcare professionals, genetic counselors, and other licensed professionals before making significant health or lifestyle decisions. You are solely responsible for:

• Evaluating and interpreting the AI-generated information
• Consulting with licensed healthcare providers before implementing any longevity protocols or lifestyle changes
• Verifying any health recommendations through independent medical consultation
• Obtaining genetic and medical data from licensed, certified laboratories
• Understanding the limitations and implications of genetic testing

6.5 Limitation of Liability for AI-Generated Insights

I do not assume liability for any decisions made based on my Service or for any outcomes resulting from your reliance on AI-generated insights. This includes but is not limited to:

• Adverse health outcomes from implementing longevity protocols
• Medical complications from lifestyle changes based on my recommendations
• Financial losses from program participation
• Consequences from misinterpreting genetic or biomarker data
• Health risks not identified by my AI analysis
• Inaccurate longevity predictions or biological age assessments

6.6 Errors and Corrections

Occasionally there may be information on my site or in the Service that contains typographical errors, inaccuracies, or omissions that may relate to service descriptions, AI analysis outcomes, pricing, program details, delivery timelines, and availability. I reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice (including after you have enrolled in the program).

6.7 Final Disclaimer Statement

THE AI ANALYSIS, DIGITAL TWIN MODELS, AND LONGEVITY PROTOCOLS PROVIDED ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE MEDICAL ADVICE, CLINICAL DIAGNOSIS, GENETIC COUNSELING, OR PROFESSIONAL HEALTHCARE SERVICES.

SECTION 7. BILLING, PAYMENT PROCESSING, AND SUBSCRIPTIONS

7.1 GENERAL BILLING PROVISIONS

Currency & Fees:

All prices are listed in U.S. Dollars (USD) unless otherwise specified. Currency conversion fees, international transaction fees, and exchange rate fluctuations may apply depending on your payment method or location and are your sole responsibility.

Taxes and Additional Fees:

All prices are exclusive of applicable taxes unless clearly stated. Depending on your location, VAT, GST, sales tax, or other taxes may apply and shall be calculated based on your billing address. Taxes are collected at purchase by my authorized payment processor, which may act as merchant of record. You are responsible for all applicable taxes and authorize collection where required by law. I am not responsible for foreign exchange fees, bank charges, or additional costs incurred by your payment provider.

Digital Service Delivery:

All services are delivered electronically through virtual consultations, online portals, and digital reports. No physical goods are shipped. Upon successful payment and program acceptance, your enrollment begins and consultation scheduling becomes available.

Service Structure:

I offer a single-tier 12-month private longevity program and its price is displayed on the website. This is a one-time annual payment for a 12-month program, not a recurring subscription.

Program Capacity: Due to the personalized nature of services, enrollment is limited to 10-12 active clients at any time. Applications are reviewed on a case-by-case basis, and acceptance is at my sole discretion.

Payment Methods:

My payment processor reserves the right to accept or decline any payment method and may restrict certain payment types for security or compliance reasons. I reserve the right to restrict access to my services based on payment method limitations or security concerns.

Accepted payment methods typically include:

• Credit cards (Visa, Mastercard, American Express)
• Bank transfers (for program payments)
• PayPal or similar digital payment platforms
• Other methods as approved by payment processor

Payment Processing and Security:

I do not collect or store your credit card or payment information. All payments are securely processed by an independent third-party payment provider. This provider acts as the authorized seller or merchant of record for all transactions made through my website.

IMPORTANT: Payment processors do NOT have access to your genetic or medical data. Payment information and genetic data are stored in completely separate, isolated systems.

Payment, invoicing, and any applicable taxes or fees are handled directly by this payment provider according to their terms of service and privacy policy. By purchasing my services, you acknowledge and accept that the payment process is managed externally, and you agree to comply with any applicable terms of that third-party payment processor.

You agree to provide current, complete, and accurate billing and account information for all purchases made through my Service. You agree that you are using payment information that you are legally authorized to use and not using borrowed or stolen credit cards when enrolling in my program. You agree to promptly update your account and other information, including your email address, billing details, and other contact information, so that my payment processor can complete your transactions and I can contact you as needed.

7.2 Enrollment Acceptance and Restrictions

I reserve the right to refuse any application or enrollment at my sole discretion. I may, in my sole discretion, decline program enrollment based on:

• Program capacity limitations
• Geographic restrictions or regulatory compliance
• Assessment of fit for the program
• Payment verification issues
• Suspicious or fraudulent activity

These restrictions may include applications from the same customer account, the same credit card, and/or applications that use the same billing address. In the event that I decline an enrollment or cancel a payment, I will attempt to notify you by contacting the email address or phone number provided during application.

I reserve the right to limit enrollment to ensure service quality and maintain the personalized nature of the program.

7.3 CANCELLATION POLICY

Program Structure: The 12-month longevity program is a one-time annual enrollment, not a recurring subscription. There is no automatic renewal or monthly billing cycle.

Withdrawal from Program:

You may choose to withdraw from the program at any time by contacting me at ola.abdalla2@icloud.com with a written withdrawal request including your account email and program enrollment details.

Effect of Withdrawal:

• Your access to consultations and services ceases immediately upon withdrawal
• Your genetic and medical data will be deleted within 30 days unless you request immediate deletion (completed within 7 business days)
• You may request a final export of your analysis results and digital twin models before data deletion
• Refunds for withdrawal are subject to the refund policy in Section 7.4

7.4 DIGITAL SERVICES AND REFUND POLICY

CONSUMER RIGHTS NOTICE:

Your local consumer protection laws may provide additional refund rights that supersede these terms.

Service Nature: All services are digital and delivered electronically. Upon payment and acceptance, your enrollment begins immediately.

Refund Policy:

If you withdraw voluntarily: Refund = Total paid minus ($4,000 per completed consultation + cost of AI digital twin models created)

If I cancel or discontinue the program: Full prorated refund for all unused services (you only pay $4,000 per completed consultation + cost of AI digital twin models created)

Other Refundable Situations:

• Billing errors or duplicate charges
• Service access not provided due to my technical failure: Full refund
• Dissatisfaction with results: Prorated refund (you pay only for work completed which is $4,000 per completed consultation + cost of AI digital twin models created)
• Failure to provide required genetic/medical data: Prorated refund (you pay only for work completed)

Non-Refundable Situations:

• Terms of Service violations: No refund

Refund Requests: Contact ola.abdalla2@icloud.com with enrollment details and number of consultations completed.

7.5 Disputes Resolution:

For disputes, contact: ola.abdalla2@icloud.com. I'll review your inquiry to work toward a fair resolution.

SECTION 8 - THIRD-PARTY TOOLS AND INTEGRATIONS

8.1 Categories of Third-Party Services

I provide you with access to third-party services in two distinct categories:

Category A - Data Processors:

Third-party services that process personal data (excluding genetic and medical data) as part of my core Service delivery, including but not limited to:

• Cloud hosting and infrastructure services
• Authentication and user management services
• Payment processing services
• Analytics and performance monitoring services
• Email and communication services
• Database hosting and management services

IMPORTANT: These processors do NOT have access to your genetic or medical data. Genetic and medical data is stored separately under my direct control.

Category B - Independent Third-Party Tools:

Third-party tools and services that you can access through my platform but that operate independently. Currently, I do not offer any Category B services, but I reserve the right to add such integrations in the future.

8.2 Data Processors (Category A) - Governed by Privacy Policy

For Category A services that process personal data as part of my Service:

• These relationships are governed by my Privacy Policy, including sections 12.2 and 12.3
• I maintain data processing agreements compliant with GDPR Article 28 and equivalent provisions
• I remain fully liable under applicable data protection laws for these processors' handling of your personal data
• Genetic and medical data exclusion: All processors are contractually prohibited from accessing genetic or medical data
• You retain all data subject rights as outlined in my Privacy Policy
• You may object to new data processors and terminate your account without penalty if I cannot accommodate your objection
• International data transfers are protected by appropriate safeguards as detailed in my Privacy Policy

8.3 Independent Third-Party Tools (Category B) - Disclaimer of Warranties

For Category B independent third-party tools and services:

You acknowledge and agree that I provide access to such tools "as is" and "as available," without any warranties, representations, or conditions of any kind and without any endorsement. I make no representations regarding the reliability, availability, accuracy, completeness, or functionality of these independent third-party services.

Genetic Data Protection: You must never share your genetic or medical data with any Category B third-party tools without explicit verification that they have appropriate data protection and privacy safeguards.

8.4 Your Responsibility for Independent Third-Party Tools (Category B)

Any use by you of Category B independent third-party tools is entirely at your own risk and discretion. You are solely responsible for:

• Reviewing and understanding the terms, conditions, and privacy policies of any independent third-party service
• Ensuring compatibility with your systems and requirements
• Maintaining appropriate security measures when using third-party integrations
• Any data you independently share with or through third-party services, including genetic or medical data
• Compliance with applicable laws, including genetic privacy laws, when using third-party services
• Verifying that third-party services comply with GDPR Article 9, GINA, and other genetic privacy regulations before sharing genetic data

8.5 Future Services and Feature Modifications

I may, in my sole discretion, modify, add, or remove third-party integrations, including:

• Additional AI tools and longevity analysis capabilities
• Enhanced analytics and reporting features
• New payment methods or processors
• Integration with laboratory testing services or health tracking platforms

For Category A Changes (Data Processors):

• I will provide at least 30 days' notice as specified in my Privacy Policy
• You may object to new processors and terminate without penalty if accommodation is not possible
• Changes will comply with applicable data protection laws
• No processor will ever be granted access to genetic or medical data without your explicit written consent

For Category B Changes (Independent Tools):

• Such modifications are subject to these Terms of Use
• I may add or remove independent tools at any time without prior notice
• Continued use constitutes acceptance of such changes
• You remain responsible for protecting your genetic and medical data when using any new independent tools

8.6 Third-Party Terms and Compliance

For All Third-Party Services: Your use of third-party services will be subject to additional terms, conditions, and privacy policies imposed by those third parties. You agree to:

• Comply with all applicable third-party terms when accessing services through my platform
• Review and accept any required third-party agreements
• Understand that your relationship with third parties may create independent obligations
• Verify genetic data privacy protections before sharing any genetic or medical data with third-party services
• Ensure third-party services comply with applicable genetic privacy laws (GDPR Article 9, GINA) before sharing sensitive data

8.7 Limitation of Liability - Independent Third-Party Tools (Category B)

For Category B independent third-party tools, I am not responsible for and disclaim all liability related to:

• The availability, accuracy, or functionality of independent third-party services
• Any content, products, or services provided by independent third parties
• Any data loss, security breaches, or damages arising from your independent use of third-party services, including unauthorized access to genetic or medical data
• Any interruption or termination of independent third-party services
• Any changes to third-party terms, pricing, or availability
• Any disputes or claims arising from your direct relationship with third parties
• Any misuse, unauthorized disclosure, or breach of your genetic or medical data by third-party services

Note: This limitation does not apply to Category A data processors, for which I maintain liability under applicable data protection laws as specified in my Privacy Policy.

8.8 Third-Party Links and Websites

My Service may contain links to third-party websites, including laboratory testing services, health tracking platforms, or longevity research resources. For such links:

• Links are provided for informational convenience only and do not constitute endorsement
• I am not responsible for examining or evaluating the content, accuracy, or practices of linked third-party websites
• Your use of any third-party websites is solely at your own risk
• Do not share genetic or medical data with linked websites without verifying their privacy and security practices
• Any complaints, claims, concerns, or questions regarding third-party websites should be directed to the relevant third party

8.9 Service Availability and Third-Party Dependencies

You acknowledge that:

• Certain features of my Service may depend on the availability and functionality of third-party services
• Interruptions to third-party services may affect the performance of my Service
• I will make reasonable efforts to maintain service availability but cannot guarantee uninterrupted access due to third-party dependencies
• Core services involving genetic data analysis and consultation scheduling are not dependent on third-party services and remain available even during third-party service interruptions

8.10 Indemnification - Independent Third-Party Tools (Category B)

You agree to indemnify and hold me harmless from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of Category B independent third-party services accessed through or in connection with my Service
• Violations of third-party terms of service or intellectual property rights in your use of independent third-party tools
• Any direct relationship or transaction you enter into with independent third parties
• Unauthorized sharing or disclosure of your genetic or medical data with third-party services
• Violations of genetic privacy laws resulting from your use of third-party services

This indemnification provision does not apply to my obligations as data controller for Category A data processors, which are governed by applicable data protection laws and my Privacy Policy.

8.11 Processor and Sub-Processor Transparency

For Category A data processors:

• Current processor and sub-processor information is maintained as specified in my Privacy Policy
• You may request information about processors and sub-processors as outlined in Privacy Policy section 12.3
• Confirmation that no processor or sub-processor has access to genetic or medical data is available upon request
• I will respond to processor-related inquiries within 30 days
• You may raise concerns about specific processor practices, which I will investigate and address appropriately

SECTION 9. EMAIL COMMUNICATIONS AND FEEDBACK

9.1 Scope of Communications

When you contact me via email for customer support, program feedback, consultation questions, service suggestions, technical issues, ideas, or any other communications related to my genetic longevity program services ("Communications"), the following terms apply to all such Communications.

Important: Communications containing your genetic or medical data are protected under my Privacy Policy and are NOT subject to the license grant in Section 9.2.

9.2 License Grant for Feedback and Suggestions

You hereby grant me a limited, non-exclusive, royalty-free, transferable license during the term of these Terms to use, reproduce, modify, adapt, and implement any non-genetic feedback, suggestions, ideas, proposals, or recommendations contained in your Communications, solely for the following purposes:

• Improving my AI systems and service functionality
• Enhancing user experience and program features
• Developing new features or capabilities
• Providing better customer support and consultation quality
• Internal training and quality assurance
• Service optimization and performance improvements

Exclusions: This license does NOT apply to:

• Your genetic or medical data
• Personal health information
• Any proprietary research or discoveries you share
• Information that would identify you or your genetic profile

9.3 My Rights and Obligations

Regarding your Communications, I:

• Am under no obligation to maintain any non-personal Communications in confidence (personal data and genetic/medical information remain protected under my Privacy Policy)
• Am under no obligation to pay compensation for any feedback, suggestions, or ideas
• Am under no obligation to respond to every Communication, although I strive to respond to support requests in a timely manner
• Am under no obligation to implement any suggestions or feedback you provide
• Reserve the right to use any non-genetic feedback without restriction or attribution for the purposes outlined in Section 9.2
• Will never use genetic or medical data from Communications for any purpose other than providing your contracted services

9.4 Your Representations and Warranties

By sending Communications to me, you represent and warrant that:

• Your Communications do not violate any rights of third parties, including copyright, trademark, privacy, or other proprietary rights
• Your Communications do not contain libelous, defamatory, threatening, harassing, abusive, or otherwise unlawful content
• Your Communications do not contain any computer viruses, malware, or other harmful code that could affect my Service
• You are not impersonating another person or entity in your Communications
• You are using your real email address and not misleading me about your identity
• All information provided in your Communications is accurate to the best of your knowledge
• You are solely responsible for the content and accuracy of your Communications
• Any genetic or medical data you share in Communications is yours to share and you have proper authorization to disclose it

9.5 Prohibited Content in Communications

Your Communications must not:

• Violate any applicable laws or regulations, including genetic privacy laws
• Contain offensive, abusive, obscene, pornographic, or discriminatory content
• Include spam, promotional content unrelated to my Service, or unsolicited commercial solicitations
• Attempt to compromise the security, functionality, or operation of my Service
• Include personal data or genetic information of third parties without proper authorization
• Contain requests for illegal activities or services
• Include genetic or medical data of other individuals without their explicit consent
• Request services that would violate medical practice laws or regulations

9.6 No Confidential Relationship Created

You acknowledge and agree that:

• Your Communications do not create any confidential, fiduciary, or special relationship between us beyond the professional service relationship established by your program enrollment
• Genetic and medical data shared as part of contracted services remains confidential and protected under my Privacy Policy
• Similar ideas for service improvements may be independently developed by me or received from other sources
• I am free to use any non-genetic feedback or suggestions without creating any obligation to you beyond what is specified in these Terms
• Any non-genetic feedback or suggestions you provide do not create any confidentiality obligations on my part
• This section does NOT affect the confidentiality of your genetic or medical data, which remains protected

9.7 Liability and Responsibility

• I take no responsibility and assume no liability for any Communications you send
• You are solely responsible for any Communications you send and their consequences
• I am not liable for any harm, damages, or issues arising from your Communications
• You agree to indemnify me from any claims arising from your Communications that violate these Terms
• Exception: I maintain responsibility for proper handling and protection of genetic and medical data you share as part of contracted services under my Privacy Policy

9.8 Processing of Email Communications

• Your email communications will be processed in accordance with my Privacy Policy
• Personal data in your emails will be handled according to my Privacy Policy
• Genetic and medical data in your Communications is subject to enhanced protections under GDPR Article 9 and my Privacy Policy
• I may retain Communications as necessary for business purposes, legal compliance, and service improvement
• Genetic and medical data in Communications is retained only as necessary for providing your contracted services and is deleted according to retention schedules in my Privacy Policy
• You may request deletion of your personal data in Communications subject to my Privacy Policy and legal retention requirements
• Genetic and medical data deletion requests are prioritized and processed within 7 business days

SECTION 10. PERSONAL INFORMATION AND PRIVACY

Your submission of personal information through my Service is governed by my Privacy Policy, which is incorporated into these Terms by reference and complies with applicable data protection laws. Please read my Privacy Policy for detailed information about how I collect, use, store, and protect your personal information.

SECTION 11. GENERAL SERVICE WARRANTIES AND DISCLAIMERS

11.1 Service Availability and Performance

I do not guarantee, represent, or warrant that your use of my Service will be uninterrupted, timely, secure, or error-free. Technical issues, maintenance, updates, server outages, or circumstances beyond my control may affect Service availability and performance.

Critical Services Protection: While general service availability may be affected by technical issues, scheduled consultation sessions will be rescheduled at no additional cost if technical issues on my end prevent their delivery.

Service Modifications and Availability

You acknowledge and agree that I may:

• Temporarily or permanently suspend the Service for maintenance, updates, or technical issues with reasonable advance notice where possible
• Modify, update, or discontinue features or functionality at my discretion with 30 days advance notice for material changes
• Remove or cancel the Service at any time, subject to 90 days notice to active clients and prorated refunds for unused services
• Change program terms, pricing, or service levels for new enrollments with appropriate notice (existing enrolled clients are not affected during their active program period)

"As Is" and "As Available" Provision

The Service and all technical infrastructure, features, and functionality are provided on an "AS IS" and "AS AVAILABLE" basis, without any representation, warranties, or conditions regarding:

• System uptime or continuous availability of online portals
• Data transmission speed or reliability
• Compatibility with all devices, browsers, or operating systems
• Freedom from technical bugs, glitches, or system errors

Important Exception: This "As Is" provision does NOT apply to the core contracted services (PhD-led consultations and digital twin analysis), which will be delivered as specified in the program description or rescheduled if technical issues prevent delivery.

General Warranty Exclusions

To the maximum extent permitted by applicable law, I disclaim all warranties related to technical service delivery, including but not limited to:

• Merchantability: That the technical Service is suitable for all uses
• Technical Fitness: That the Service meets all your technical requirements or specifications
• System Compatibility: That the Service works seamlessly with all third-party software or hardware
• Uninterrupted Access: That you will have continuous access to online portals (consultations will be rescheduled if technical issues prevent delivery)
• Data Security: That all data transmission will be completely secure (though I implement enhanced security measures for genetic and medical data)

Critical Clarification: These technical disclaimers do NOT disclaim:

• My obligation to deliver the 12 contracted consultation sessions
• My obligation to create and update digital twin models as specified
• My obligation to protect genetic and medical data as outlined in the Privacy Policy
• My liability for data breaches involving genetic or medical data

I am not responsible for the availability, functionality, or performance of any third-party services, APIs, or integrations that may be used in connection with the Service.

Exception: Failure of third-party services that prevents delivery of core contracted services (consultations, digital twin analysis) will result in rescheduling or alternative delivery methods at no additional cost.

Jurisdictional Consumer Protection

Many jurisdictions provide mandatory consumer protection rights that cannot be excluded by contract. Where applicable consumer protection laws provide stronger protections than these Terms, such laws will take precedence, and any mandatory warranties will apply for the period required by applicable law.

User Technical Responsibilities

You are responsible for:

• Maintaining compatible devices and internet connectivity for virtual consultations and online portal access
• Keeping your account information and payment methods current
• Using the Service in accordance with technical requirements and limitations
• Reporting technical issues or service problems in a timely manner
• Obtaining genetic and medical data from licensed, certified laboratories
• Providing accurate and complete genetic and medical information for analysis
• Notifying me of any errors in genetic or medical data you provided

SECTION 12. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, in no event shall I (operating as Loju Longevity), my suppliers, service providers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation:

(a) Lost profits, lost revenue, lost savings, loss of data, or replacement costs
(b) Any damages arising from interruption of service, system downtime, or technical failures
(c) Any inaccuracies, errors, or omissions in AI-generated digital twin analysis, risk predictions, or longevity protocols provided by the service
(d) Any health or lifestyle decisions made based on the Service's analysis or recommendations
(e) Any damages resulting from third-party integrations, data sources, or external services used in connection with the Service

Whether based in contract, tort (including negligence), strict liability, or otherwise, arising from your use of the service, even if I have been advised of the possibility of such damages.

Service-Specific Disclaimers:

You acknowledge that the AI digital twin technology and longevity analysis is a tool that provides automated analysis and predictive insights, and that results may not be 100% accurate. Any decisions based on the service's analysis are made at your sole discretion and risk.

Damages Cap:

In cases where liability cannot be completely excluded under applicable law, my total aggregate liability to you shall not exceed $100 USD.

SECTION 13. USER CANCELLATION AND ACCOUNT CLOSURE

Voluntary Cancellation: You may withdraw from the program and close your account at any time by contacting ola.abdalla2@icloud.com. Withdrawal will take effect immediately upon request, subject to the refund policy in Section 7.4.

Account Closure Process: Upon account closure (whether voluntary or involuntary):

• Your access to the Service will cease immediately
• You remain responsible for all charges incurred up to the closure date
• Account data may be retained as outlined in my Privacy Policy and as required by applicable law
• Genetic and medical data will be deleted within 30 days unless you request immediate deletion
• Any outstanding payment obligations survive account closure

Data Export:

Before voluntary cancellation, you may export your digital twin analysis, longevity protocols, and consultation reports. Data export must be completed before account closure as I cannot guarantee data availability afterward.

Business Continuity Protection:

I reserve the right to immediately suspend accounts if continued operation could:

• Subject me to legal liability or regulatory violations
• Compromise the security or integrity of the Service for other users
• Result in significant financial harm to the business operations

Account Reactivation:

Voluntarily cancelled accounts may be reactivated within ninety (90) days of cancellation, subject to current program terms and pricing. After ninety (90) days, reactivation will be treated as a new enrollment application.

Final Settlement:

Upon any account closure, all mutual obligations are settled except those that expressly survive termination under these Terms.

SECTION 14. ENTIRE AGREEMENT

Non-Waiver:

The failure of me to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. No waiver by me shall be effective unless it is in writing and signed by an authorized representative.

Integration:

These Terms of Service and any policies or operating rules posted by me on this site or in respect to the Service constitute the entire agreement and understanding between you and me and govern your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and me (including, but not limited to, any prior versions of the Terms of Service).

Non-Reliance:

You acknowledge that you have not relied upon any representation, statement, or promise not expressly set out in these Terms.

Interpretation: Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party. The headings used in this agreement are for convenience only and shall not affect the meaning or interpretation of any provision.

Severability:

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

Modifications:

These Terms may only be modified by me through written notice posted on the website or sent to your registered email address at least 30 days prior to the effective date of such changes. Continued use of the Service after the effective date of any modifications constitutes your acceptance of the modified Terms.

Electronic Acceptance:

Your electronic acceptance of these Terms (including clicking "I agree" or similar acceptance mechanisms) constitutes a legally binding agreement equivalent to your handwritten signature. These Terms may be executed in counterparts, each of which shall be deemed an original.

SECTION 15. GOVERNING LAW AND JURISDICTION

Governing Law:

These Terms of Service and your use of the Service shall be governed by and construed in accordance with the laws of the Arab Republic of Egypt, without regard to its conflict of law principles.

Jurisdiction:

Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the competent courts of Cairo, Egypt. You hereby consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

International Users:

While the Service is accessible globally, you acknowledge that:

• Egyptian law governs these Terms regardless of your location
• You are responsible for compliance with your local laws and regulations
• Any legal proceedings must be conducted in Cairo, Egypt
• Court proceedings and documentation will be conducted in Arabic, with translation costs borne by the non-prevailing party

Alternative Dispute Resolution:

Prior to initiating any court proceedings, the parties agree to attempt to resolve disputes through good faith negotiations for a period of 30 days. If such negotiations fail, disputes may be resolved through binding arbitration under the Cairo Regional Centre for International Commercial Arbitration (CRCICA) rules, if both parties agree in writing.

Limitation Period:

Any claims or disputes must be brought within one (1) year of the date the cause of action arose, or such claim shall be permanently barred.

Enforcement:

Any judgment obtained in the courts of Cairo, Egypt may be subject to recognition and enforcement in other jurisdictions according to applicable international treaties, reciprocal enforcement agreements, and the domestic laws of such jurisdictions. Recognition and enforcement are not guaranteed and depend on the specific legal framework of each jurisdiction. You consent to service of process by electronic mail to your registered email address or by any other method permitted by applicable law.

Emergency Relief:

I reserve the right, at my sole and absolute discretion, to initiate and pursue legal proceedings in any court of competent jurisdiction worldwide, including specifically in the country where the user resides or where the violation occurs, where necessary to:

• Enforce intellectual property rights, including but not limited to copyrights, trademarks, trade secrets, and proprietary AI technology
• Seek immediate injunctive relief, temporary restraining orders, or other equitable remedies to prevent ongoing or irreparable harm to my business, technology, or reputation
• Pursue emergency enforcement against unauthorized use, reproduction, or distribution of my proprietary AI digital twin technology
• Take immediate action against any violations that threaten the integrity or security of my Service

Loju Longevity may pursue such relief without prior notice and without posting bond or other security, where permitted by law. By using my Service, you expressly consent to personal jurisdiction in any country where I elect to bring legal proceedings against you. This emergency jurisdiction right is in addition to, and does not waive, limit, or modify the general jurisdiction and governing law provisions above for all other disputes. I may pursue multiple remedies simultaneously in different jurisdictions as I deem necessary to protect my interests.

SECTION 16. FORCE MAJEURE

I shall not be liable or responsible for any failure to perform, or delay in performance of, any of my obligations under these Terms of Service that is caused by events beyond my reasonable control ("Force Majeure Event").

A Force Majeure Event includes, without limitation:

• Acts of God (such as natural disasters, floods, earthquakes, storms, or other natural events)
• War, acts of terrorism, civil unrest or commotion
• Governmental actions or restrictions
• Epidemics or pandemics
• Industrial or labor disputes
• Internet or telecommunications failures, cyber-attacks (including DDOS attacks or similar harmful interference)
• Interruptions or failures of public or private utilities or transportation systems
• Third-party service provider failures (including but not limited to cloud hosting, payment processors, or essential software providers)

My obligations under these Terms of Service shall be suspended for the duration of the Force Majeure Event. I shall be entitled to a reasonable extension of time to perform such obligations.

I shall use reasonable efforts to minimize the impact of any Force Majeure Event and to resume performance as soon as reasonably possible. Where possible and appropriate, I will provide reasonable notice to users of any Force Majeure Event affecting service availability.

If a Force Majeure Event continues for a period of more than 30 days, either party may terminate the program by providing written notice to the other party. In such cases, users will receive a prorated refund for unused services calculated as: Total paid minus (number of completed consultations × $4,000 + cost of AI digital twin models created).

SECTION 17. FINAL PROVISIONS

Precedence:

If any provision of this agreement conflicts with any other agreement between you and Loju Longevity, this Terms of Service agreement shall take precedence unless expressly stated otherwise in writing. However, where local consumer protection laws provide greater rights than these Terms, those consumer protection rights shall prevail to the extent of the conflict, as outlined in Section 1.4 of these Terms.

Language:

This agreement has been drafted in English. In the event of any conflict between the English version and any translation, the English version shall prevail. However, where Egyptian law or applicable consumer protection laws require specific language provisions, those requirements shall take precedence.

Electronic Communications:

You consent to receive communications from me electronically, including via email to your registered email address or through notifications posted on the website. You agree that all electronic communications satisfy any legal requirement that such communications be in writing. This consent aligns with the electronic acceptance provisions outlined in Section 14 of these Terms.

Assignment:

You may not assign, transfer, or share your account credentials or program benefits to any third party without my prior written consent, as specified in Section 3 of these Terms. I may assign my rights and obligations under these Terms to a successor entity with thirty (30) days notice to you, provided such assignment does not materially reduce your rights under these Terms or conflict with applicable consumer protection laws.

Third-Party Rights:

These Terms do not create any third-party beneficiary rights except as may be required by applicable law. This provision does not affect the third-party service arrangements described in Section 8, where Category A data processors operate under data processing agreements and Category B independent tools operate under their own terms.

Relationship:

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and me (Dr. Ola Abdalla, operating as Loju Longevity). My relationship is limited to that of service provider and client under the terms of this agreement.

Integration and Superseding Effect:

This Terms of Service document, together with my Privacy Policy, constitutes the entire agreement between you and me regarding the Service. This agreement supersedes and consolidates all previous terms, billing policies, and service agreements between you and Loju Longevity. No oral modifications or agreements shall be binding, and any modifications must follow the procedures outlined in these Terms.

SECTION 18. CONTACT INFORMATION

For all inquiries, requests, or concerns regarding these Terms of Service, please contact me using the details below:

• Email: ola.abdalla2@icloud.com
• Subject Line for Service Requests: "TOS Request – [Type of Request]"
• Entity Responsible: Loju Longevity, operated by Dr. Ola Abdalla

Response Times:

• General inquiries: within 5 business days
• Service or account-related requests: within 30 days (or sooner where required by applicable law)
• Urgent service or security matters: within 48 hours

Effective Date:

This Terms of Service is effective as of December 15, 2025, and replaces all previous versions.

Last Review:

This Terms of Service was last reviewed for legal accuracy and compliance on December 15, 2025.