Legal

Terms of Use

PART I — INTRODUCTION

Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of the Toju Health platform, website, applications, and related services (collectively, the "Service") provided by Toju Health, based in Toronto, Ontario, Canada ("Toju," "we," "us," or "our").

These Terms form a legally binding agreement between you and Toju. By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and the Toju Health Privacy Policy, which is incorporated into these Terms by reference.

You may use the Service only if you have the legal capacity to enter into a binding agreement under the laws applicable to you. If you use the Service on behalf of another person, you represent that you have the legal authority or authorisation required to act on that person's behalf.

If you do not agree to these Terms, you must not create an account or use the Service.

Toju may update these Terms from time to time, as described in "Changes to These Terms" in Part VI.

Effective Date: October 8, 2026
Version: 1.1 (Beta)

Definitions

For purposes of these Terms:

• "Account" means the account created to access and use the Service.
• "Coordinator" means a person authorised by a Profile Owner to access, organise, manage, or coordinate information within that person's profile.
• "Health Information" means information relating to an individual's physical or mental health, medical history, healthcare, treatment, medications, test results, or other health-related matters.
• "Health Documents" means documents or files containing Health Information that a User uploads or otherwise provides through the Service, including prescriptions, laboratory results, medical notes, and similar records.
• "Profile Owner" means the individual to whom a Toju profile relates and who controls access to that profile, subject to applicable law and any valid legal authority granted to another person.
• "Service" means the Toju platform and its related websites, applications, features, functionality, and services made available by Toju.
• "User" means any person who accesses or uses the Service, including a Profile Owner and an authorised Coordinator.
• "User Content" means information, documents, files, and other content that a User submits, uploads, enters, or otherwise makes available through the Service.
• "AI-Extracted Information" means information generated, extracted, structured, or organised by Toju using optical character recognition, artificial intelligence, machine learning, or similar technologies.

PART II — THE TOJU SERVICE

The Service

Toju is a health-information coordination platform that helps individuals organise, manage, and share health information with people they authorise to assist with their care.

The Service allows Users to:

1. create and manage a health profile;
2. upload and organise Health Documents and other Health Information;
3. structure information from uploaded documents using optical character recognition and AI-assisted technology;
4. review, correct, and confirm AI-Extracted Information before it is saved to a health timeline or profile; and
5. authorise Coordinators to access and help manage information within a profile.

Toju provides information organisation and coordination services only. Toju is NOT a healthcare provider, medical practitioner, medical advice service, emergency service, or substitute for professional healthcare. The Service does not diagnose conditions, prescribe or recommend treatment, interpret clinical information for medical decision-making, or provide emergency monitoring or response.

The Service must not be used for emergencies or situations requiring immediate medical attention. Users should contact an appropriate healthcare professional or emergency service where immediate care is required.

AI-Assisted Processing and User Review

• Toju uses optical character recognition (OCR) and artificial intelligence technologies to extract, structure, and organise information from Health Documents.
• AI-Extracted Information may contain errors, omissions, or inaccuracies, including where an uploaded document is incomplete, unclear, handwritten, or otherwise difficult to process. AI-Extracted Information is not medical advice and does not constitute independent clinical interpretation by Toju.
• Toju presents AI-Extracted Information for review by a User before it is confirmed and saved to the applicable profile or health timeline. Users are responsible for reviewing the information and correcting any errors before confirming it.
• Toju does not warrant that AI-Extracted Information is accurate, complete, current, or clinically valid. Users remain responsible for decisions made using information available through the Service and should consult an appropriate healthcare professional where medical judgment is required.

Eligibility, Accounts and Security

• You must be at least 18 years old, or the age of majority in your jurisdiction if higher, to create and maintain an account unless Toju expressly permits otherwise in accordance with applicable law.
• You must provide information that is accurate, complete, and current when creating and maintaining your Account. You are responsible for maintaining the confidentiality of your login credentials and for activity conducted through your Account.
• Each individual may hold only one Account. You must not create an Account in another person's name; invite them to join the Service instead.
• You must not share your Account credentials, permit unauthorised access to your Account, or use another person's Account without authorisation. You must notify Toju promptly if you believe your Account or credentials have been compromised or accessed without authorisation.
• Toju may take reasonable security measures, including restricting or suspending access to an Account, where necessary to protect the Service, Users, or information maintained through the Service. Any suspension or termination will be handled in accordance with these Terms and applicable law.

PART III — PROFILES, CONTENT AND ACCEPTABLE USE

Profiles, Coordinators and Authorisation

Each health profile is associated with a Profile Owner, being the individual to whom the profile relates. Subject to applicable law and any valid legal authority, the Profile Owner controls access to the profile and determines who may act as a Coordinator.

A Coordinator is a person authorised by the Profile Owner to access, organise, manage, or coordinate information within that profile. A Coordinator does not become the Profile Owner by creating, uploading, or managing information on the Profile Owner's behalf.

A User must not access, create, manage, or coordinate another person's profile without that person's authorisation or other lawful authority. A family relationship, personal relationship, or role as a caregiver does not, by itself, confer access rights.

The Profile Owner may view authorised Coordinators and revoke their access through the Service, subject to any access that must be maintained by law. Revocation takes effect as soon as the Profile Owner confirms it in the Service and does not invalidate actions lawfully taken before revocation.

A Profile Owner may also withdraw their consent at any time. When they do, Toju will delete the records held about them as described in the Privacy Policy.

Where a person is legally authorised to act for another individual, including as a parent, guardian, substitute decision-maker, attorney, or other lawful representative, Toju may require evidence of that authority before granting or maintaining access.

If a Profile Owner dies or loses the capacity to manage their own profile, Toju will not grant or continue access on the basis of a family or personal relationship alone. Toju may suspend access to the profile until it has received evidence of valid legal authority, such as a power of attorney, a court order, or an estate representative's authority, and may then act on that authority in accordance with applicable law.

User Content and Responsibilities

• Users may upload or enter Health Documents, Health Information, and other content into the Service ("User Content"). Users retain ownership of their User Content and do not transfer ownership to Toju.
• You are responsible for ensuring that you have the right, consent, or other lawful authority required to upload, enter, or otherwise provide User Content, particularly where it relates to another person.
• By submitting User Content, you grant Toju a limited, non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, display, transmit, and otherwise use that User Content only as reasonably necessary to operate, maintain, secure, and provide the Service, and as otherwise described in the Privacy Policy or required by law. Toju will not use User Content that contains Health Information to train artificial intelligence models, to improve the Service, or for advertising or marketing.
• Toju does not acquire ownership of User Content under this licence. The licence ends when the relevant User Content is deleted, or the Account is closed, except to the extent retention or continued processing is required by law, necessary to resolve disputes, enforce these Terms, or maintain legitimate security or backup records.
• Users must not upload or submit User Content that they know, or reasonably should know, is unlawful, fraudulent, malicious, or unauthorised.

Acceptable Use

You must use the Service lawfully and in accordance with these Terms. You must not:

1. access, use, or attempt to access another person's profile, Account, or User Content without authorisation;
2. impersonate another person or misrepresent your identity, authority, relationship, or right to access information;
3. upload or submit information without the required consent, authorisation, or other lawful basis;
4. use the Service for unlawful, fraudulent, abusive, or harmful purposes;
5. interfere with, disrupt, damage, or attempt to gain unauthorised access to the Service or its underlying systems;
6. circumvent or attempt to defeat security, access controls, or other technical safeguards;
7. copy, scrape, harvest, reproduce, modify, distribute, reverse engineer, decompile, or otherwise exploit the Service except as permitted by law;
8. introduce malware, malicious code, or other harmful material into the Service;
9. use the Service to provide emergency care, make clinical decisions, or replace professional healthcare judgment; or
10. assist or permit another person to engage in conduct prohibited by these Terms.

Toju may restrict, suspend, or terminate access where it reasonably believes a User has violated this Section, subject to these Terms and applicable law.

PART IV — PAYMENTS, PRIVACY AND INTELLECTUAL PROPERTY

Free and Beta Access

The Service is currently provided on a free and beta basis. Toju may introduce fees, paid features, or subscription plans in the future.

If Toju introduces paid access, the applicable fees, billing terms, renewal terms, taxes, cancellation rights, and any refund terms will be disclosed before charges apply. Toju will not charge a User for a paid Service without providing the applicable pricing and obtaining any consent required by law.

Beta features are provided for testing and development purposes and may contain errors, limitations, or changes that are not present in a fully released version of the Service. Toju may modify, suspend, or discontinue beta features in accordance with these Terms.

Privacy and Third-Party Services

Toju's collection, use, disclosure, retention, security, and other processing of personal information, including Health Information, is governed by the Toju Health Privacy Policy, which forms part of these Terms.

Toju uses third-party service providers and subprocessors to operate and support the Service, including providers of hosting, storage, authentication, document processing, OCR, artificial intelligence, analytics, and related infrastructure. These providers process information only as necessary to provide their services to Toju and subject to applicable contractual and legal requirements.

Toju's database and file storage are currently hosted in the United States, and other service providers may process or store information in Canada or other countries. As a result, User Content and personal information may be transferred to and processed in other jurisdictions and may be subject to the laws of those jurisdictions, including access by courts or authorities in those places. The Privacy Policy lists the providers Toju uses, describes cross-border processing, and sets out the safeguards Toju applies.

Toju may add, replace, or remove service providers and subprocessors as the Service develops, subject to applicable privacy laws and the requirements described in the Privacy Policy.

Intellectual Property and Feedback

• The Service, including its software, technology, design, interfaces, content, trademarks, logos, documentation, and other materials provided by Toju, is owned by or licensed to Toju and is protected by applicable intellectual property laws. Except for the limited rights expressly granted under these Terms, Toju and its licensors retain all rights, title, and interest in the Service.
• Subject to these Terms, Toju grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purposes during the period in which you are authorised to use it.
• You must not copy, modify, distribute, sell, sublicense, reverse engineer, or create derivative works from the Service or any part of it, except where expressly permitted by these Terms or applicable law.
• If you provide Toju with suggestions, comments, ideas, or other feedback about the Service, you grant Toju the right to use that feedback without restriction, compensation, or attribution, provided that Toju does not use your personal information in a manner inconsistent with the Privacy Policy.

PART V — SERVICE MANAGEMENT AND RISK

Availability, Changes and Beta Features

Toju will use reasonable efforts to maintain the availability and functionality of the Service but does not guarantee that the Service will be uninterrupted, timely, secure, or error-free.

The Service may be unavailable or impaired from time to time due to maintenance, updates, technical failures, third-party services, network conditions, security incidents, or circumstances beyond Toju's reasonable control. Toju will take reasonable steps to restore affected services where practicable.

Toju may modify, update, suspend, or discontinue features of the Service as the platform develops, including during the beta period. Toju may also change the functionality, availability, or technical requirements of particular features. Where a material change substantially affects a User's use of the Service, Toju will provide notice where reasonably practicable and required by applicable law.

Beta features are provided for testing and development purposes and may have defects, limitations, interruptions, or functionality that changes without advance notice. Users should not rely on the Service as their sole means of maintaining or accessing important health information.

Suspension, Termination and Account Closure

• Toju may suspend or restrict access to an Account or the Service where reasonably necessary to protect Users, User Content, the Service, or Toju's legal or security interests, including where a User violates these Terms, engages in unauthorised access, or creates a security or legal risk.
• You may stop using the Service and close your Account at any time through the available account controls or by contacting Toju. On request before you close your Account, Toju will give you a copy of your records in a commonly used format where reasonably practicable.
• Upon termination or closure, your right to access the Service will end. Toju will delete your Health Information and Health Documents within 30 days, and will handle other User Content and personal information in accordance with the Privacy Policy and applicable legal requirements. Information may be retained where required by law or reasonably necessary for security, dispute resolution, fraud prevention, or enforcement of these Terms, and copies held in backups are deleted on the schedule set out in the Privacy Policy.
• Termination does not affect rights or obligations that arose before termination or provisions that by their nature are intended to survive termination, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution.

Disclaimers and Limitation of Liability

• Service Disclaimer. To the fullest extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis. Toju does not warrant that the Service or information made available through it will be uninterrupted, error-free, secure, accurate, complete, current, or suitable for any particular purpose.
• Medical Disclaimer. Toju provides information, organisation, and coordination tools, not healthcare services. The Service does not provide medical advice, diagnosis, treatment recommendations, clinical decision-making, emergency monitoring, or emergency response. Information displayed through the Service must not be relied upon as a substitute for advice or care from a qualified healthcare professional. Users remain responsible for obtaining appropriate professional care and for decisions concerning their health or the health of another person.
• AI Disclaimer. AI-Extracted Information can contain errors, omissions, or inaccuracies. Toju does not guarantee the accuracy, completeness, reliability, or clinical validity of AI-Extracted Information. Users are responsible for reviewing and confirming AI-Extracted Information before relying on it and must obtain professional medical advice where medical judgment is required.
• Limitation of Liability. To the fullest extent permitted by applicable law, Toju will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, business, goodwill, data, or anticipated savings, arising out of or relating to the Service or these Terms.

To the fullest extent permitted by applicable law, Toju's total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of CAD $100 or the amounts you paid to Toju for the Service during the twelve months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability arising from fraud, intentional misconduct, or any mandatory consumer protection or other statutory right or remedy.

Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless Toju and its directors, officers, employees, contractors, and service providers from claims, losses, liabilities, damages, costs, and reasonable expenses, including legal fees, arising from or relating to:

1. your breach of these Terms;
2. your unlawful, fraudulent, negligent, or unauthorised use of the Service;
3. User Content you submit, including any claim that you lacked the required authority or consent to submit it;
4. your unauthorised access to or use of another person's Account, profile, or information; or
5. your violation of applicable law or the rights of another person.

Toju will provide reasonable notice of a claim subject to indemnification where practicable. This Section does not require you to indemnify Toju to the extent a claim results from Toju's own negligence, wilful misconduct, or violation of applicable law.

PART VI — LEGAL TERMS

Changes to These Terms

Toju may update these Terms from time to time to reflect changes to the Service, applicable law, technology, or Toju's business practices.

Where a change is material, Toju will provide reasonable notice before the revised Terms take effect, including through the Service, by email, or by another appropriate method. Where applicable law requires your express agreement to a change, Toju will obtain that agreement.

The revised Terms will apply from the stated effective date. Your continued use of the Service after that date constitutes acceptance of the revised Terms to the extent permitted by applicable law. If you do not agree to a material change, you may stop using the Service and close your Account.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict of law principles.

Subject to any mandatory rights or remedies available under applicable consumer protection, privacy, or other law, the courts of Ontario will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.

Nothing in this Section prevents a User from exercising a right to bring a complaint, claim, or proceeding before a regulator, administrative body, tribunal, or court where that right cannot lawfully be restricted.

General Provisions and Contact

• These Terms, together with the Privacy Policy and any other terms expressly incorporated into them, constitute the entire agreement between you and Toju concerning your use of the Service and supersede prior agreements concerning that subject matter.
• If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in effect.
• Toju's failure to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision later.
• You may not assign or transfer your rights and obligations under these Terms without Toju's prior written consent. Toju may assign or transfer these Terms in connection with a merger, acquisition, corporate reorganisation, sale of assets, or similar transaction, subject to applicable law.
• Nothing in these Terms creates a partnership, employment relationship, agency, fiduciary relationship, or joint venture between you and Toju.

If you have questions, concerns, or complaints regarding these Terms or the Service, you may contact Toju Health at:

Toju Health
Toronto, Ontario, Canada
Email: abolaji@toju.health