Terms & Conditions

 

Effective Date: Sept 1, 2025


These Terms & Conditions ("Terms") govern your access to and use of the services provided by Life & Health Metrics, Inc. ("L&H Metrics," "we," "our," or "us"), including our website (lhmetrics.com), APIs, SDKs, white-label solutions, and other software (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms.


1. Scope of Services


L&H Metrics provides data analytics solutions for assessing biological age, health risk, and wellness indicators using activity data (e.g., step counts, accelerometer signals) collected via smartphones, wearables, or integrated data providers (e.g., Apple Health, Google Fit). The Services are intended primarily for B2B customers, such as insurers, pension funds, wellness program providers, and researchers.


2. Eligibility


By using the Services, you confirm that you are at least 18 years old or have the legal capacity to enter into these Terms. If you are accessing the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity.


3. Data Collection and Processing
 

L&H Metrics processes pseudonymized activity and health-related data to generate biological age acceleration
(BAA) scores and related analytics. Data sources may include:

  • Smartphone step counters and accelerometers
  • Wearables and fitness trackers
  • Third-party APIs (Apple HealthKit, Google Fit)

Data is processed according to our Privacy Notice, which details data retention, security measures, and user rights under applicable data protection laws (e.g., GDPR, CCPA, HIPAA where applicable).


4. Use of Results

 

The biological age scores, risk assessments, and related outputs generated by the Services are provided for informational and research purposes only and are not intended as medical advice. They should not be used to diagnose, treat, or cure any medical condition without consultation with a qualified healthcare professional.

B2B clients may use the results in underwriting, wellness engagement, and risk stratification only as permitted by applicable law and regulation. L&H Metrics disclaims responsibility for any legal or regulatory consequences of misuse.

 

5. Intellectual Property

 

All software, models, algorithms, documentation, and data outputs are the intellectual property of L&H Metrics or its licensors. You may not copy, reverse-engineer, resell, or create derivative works without our prior written consent.

 

6. Customer Obligations

 

Clients integrating our SDK or API must:

  • Obtain appropriate user consent for data collection and processing.
  • Provide clear privacy notices to end-users.

Ensure compliance with applicable data protection and insurance/health regulations.

 

7. Service Availability

 

We strive to maintain uninterrupted Services but do not guarantee availability. Maintenance, updates, or unforeseen outages may result in temporary interruptions.

 

8. Disclaimers & Limitations of Liability

 

No Medical Advice: Our outputs are predictive models and statistical estimates; accuracy may vary by population, device type, and data quality.

Limitation of Liability: To the maximum extent permitted by law, L&H Metrics shall not be liable for indirect, incidental, or consequential damages arising from the use of the Services.

 

9. Regulatory Compliance

 

Clients are responsible for ensuring that use of the Services complies with relevant laws, including but not limited to:

  • Data protection (GDPR, CCPA)
  • Health data regulations (HIPAA, local equivalents)
  • Insurance and actuarial guidelines

 

10. Termination

 

We may suspend or terminate access to the Services if you violate these Terms, misuse the Services, or fail to comply with legal or regulatory obligations.

 

11. Governing Law & Jurisdiction

 

These Terms shall be governed by and construed under the current laws.

 

12. Changes to Terms
 

We may update these Terms from time to time. Material changes will be communicated via our website or through direct client communication channels.


13. Contact


For questions about these Terms, please contact us at:
Life & Health Metrics
Email: privacy @ lhmetrics.com