Terms of Use

1. Introduction

These Terms of Use (“Terms”) constitute a legally binding agreement between Lobscare (operating under the DBA ABHCC — America Best Health Care Consulting), hereinafter referred to as “Company,” “we,” “us,” or “our,” and the users (“User,” “you,” or “your”) of our website, services, digital platforms, consulting offerings, and related products.

By accessing, browsing, registering, booking, purchasing, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy and any additional policies referenced herein.

If you do not agree with these Terms, you must immediately discontinue use of our services.

2. Scope of Services

Lobscare provides professional services including but not limited to:

• Business and digital consulting services
• Marketing and branding services
• Operational and procedural advisory services
• Digital products, templates, guides, and informational resources
• Appointment-based consultations (online or offline where applicable)
• Subscription-based or packaged service offerings

We do not guarantee specific business outcomes, financial results, or performance improvements. All services are advisory or execution-based depending on the selected package and client engagement.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction
• Provide accurate, complete, and current information
• Have the legal authority to enter into binding agreements
• Comply with all applicable laws and regulations

We reserve the right to refuse service where eligibility requirements are not met.

4. Account Registration and Responsibilities

If you create an account with us, you agree to:

• Maintain confidentiality of login credentials
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized access
• Ensure that all provided information is accurate and updated

We are not responsible for losses resulting from unauthorized account use due to user negligence.

5. Bookings, Orders, and Payments

5.1 Service Confirmation

All bookings, consultations, or service orders are confirmed only after:

• Successful payment authorization, OR
• Manual approval (where applicable), OR
• Confirmation via email or system notification

5.2 Payments

Payments may be processed through third-party payment gateways and financial institutions. By completing a transaction, you authorize us and our payment processors to charge applicable fees.

We do not store full credit/debit card details on our servers unless handled via secure PCI-compliant systems provided by authorized processors.

5.3 Pricing

All prices are displayed in applicable currency and may be updated without prior notice. Taxes, fees, or charges may apply depending on jurisdiction.

5.4 Cancellations and Refunds

Refunds, cancellations, and rescheduling policies may vary depending on the service type and will be clearly communicated at the time of purchase or booking.

Unless otherwise stated:

• Digital products are generally non-refundable once delivered
• Consultation bookings may be rescheduled within policy limits
• Completed services are non-refundable

6. User Conduct

Users agree not to:

• Use services for illegal or unauthorized purposes
• Attempt to hack, disrupt, or interfere with platform security
• Provide false, misleading, or fraudulent information
• Copy, resell, or redistribute content without permission
• Abuse support systems or engage in harmful behavior
• Use automated systems (bots, scrapers) without authorization

Violation may result in suspension or termination of access.

7. Intellectual Property Rights

All content on ABHCC.org, including but not limited to:

• Website design and layout
• Text, documents, and written materials
• Logos, branding, and trademarks
• Digital products and templates
• Graphics, media, and presentations

are the exclusive property of Lobscare or its licensors.

You are granted a limited, non-transferable license to use purchased services for personal or business use only, unless otherwise stated.

You may not:

• Reproduce or redistribute content
• Sell or sublicense materials
• Modify and claim ownership
• Use branding without written permission

8. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, special, or consequential damages
• We are not responsible for business losses, revenue loss, or data loss
• We are not responsible for third-party service failures
• We are not liable for delays caused by external systems or events beyond our control

All services are provided on an “as is” and “as available” basis.

9. Third-Party Services

Our platform may integrate or rely on third-party services including:

• Payment gateways
• Hosting providers
• Communication tools
• Analytics services

We are not responsible for the performance, policies, or actions of third-party providers.

10. Suspension and Termination

We reserve the right to:

• Suspend or restrict access to services
• Terminate accounts without prior notice in case of violations
• Remove access to digital products or services in case of fraud, abuse, or breach of Terms

Termination does not affect obligations already incurred, including payment obligations.

11. Data Protection and Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal data.

By using our services, you consent to such data practices.

12. Service Availability

We strive to maintain uninterrupted service availability but do not guarantee:

• Continuous uptime
• Error-free performance
• Compatibility with all devices or browsers

Maintenance, upgrades, or external failures may temporarily affect availability.

13. Changes to Terms

We reserve the right to update or modify these Terms at any time. Updates become effective once published on ABHCC.org. Continued use of services after updates constitutes acceptance of revised Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the applicable laws of the jurisdiction in which Lobscare operates.

In the event of any dispute:

• Parties will first attempt to resolve the matter amicably
• If unresolved, disputes may be escalated to legal proceedings in the appropriate jurisdiction

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain fully effective and enforceable.