Terms & Conditions

Last updated: 08 October 2026

PLEASE READ THESE TERMS (AS DEFINED BELOW) CAREFULLY BEFORE USING 1DOC (AS DEFINED BELOW). IF IN DOUBT, PLEASE SEEK PROFESSIONAL ADVICE. BY USING 1DOC IN ANY WAY, YOU CONFIRM AND AGREE THAT THESE TERMS FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND IAPPS HEALTH GROUP (“IHG”). IF YOU DO NOT ACCEPT THESE TERMS (OR ANY PART THEREOF), PLEASE DO NOT USE 1DOC AND DO NOT APPLY FOR OR USE ANY OF THE PRODUCTS AND SERVICES OFFERED OR PROVIDED ON OR VIA 1DOC. IN THE EVENT OF A CONFLICT OR INCONSISTENCY BETWEEN THESE TERMS AND ANY OTHER TERMS AND CONDITIONS BETWEEN YOU AND IAPPS HEALTH GROUP IN RELATION TO THE SUBJECT MATTER OF THESE TERMS, THE PROVISIONS OF THESE TERMS SHALL PREVAIL TO THE EXTENT OF SUCH CONFLICT OR INCONSISTENCY.

1. Definitions and Interpretation

1.1. In these Terms, the following words and expressions shall have the following meanings:
1.1.1. “Account ID” means a unique personal identification number, which is created when you sign up for the 1doc Application.
1.1.2. “Additional Services” means the products and services offered, provided and made available by any person other than iAPPS Health Group (including any other iAPPS Health Group subsidiary and any third party), which may be effected or obtained by you through the use of the 1doc Application from time to time, where your ability to access and use your 1doc Account to effect or obtain any of such products and services is dependent on your entry into and compliance with a separate agreement relating to such Additional Service with the person offering, providing and making available such product or service, and shall include, without limitation:
i. Measurement and Graphs Services;
ii. Rewards Programme and Coupon Redemptions;
iii. Payment services;
iv. Digital Agent and AI-enabled services;
v. Wearable & Health-Tracking Functions;
vi. teleconsultation and other digital healthcare services; and
vii. products, marketplace and related fulfilment services.
1.1.3. “Base Services” means the products and services offered, provided and made available by iAPPS Health Group in accordance with these Terms, excluding Additional Services, which may be effected or obtained by you through the use of the 1doc Application from time to time as long as your access to and use of the 1doc Application have not been suspended or terminated for any reason whatsoever, including, where applicable:
i. the Payment Services;
ii. the Rewards Services;
1.1.4. “Customer Information” means all information which you provide or which is obtained as a result of or in connection with these Terms and/or your access to and/or use of the 1doc Application, any 1doc Service and/or any 1doc Content, including information you provide in submitting your request to register for a 1doc Balance, information which relates to a transaction, information which identifies or which relates to an individual, whether true or not, and information collected, used and/or disclosed as described in the iAPPS Health Group Data Protection Policy.
1.1.5. “Force Majeure Event” means any event or circumstances the occurrence and the effect of which iAPPS Health Group is unable to prevent and avoid notwithstanding the exercise of reasonable foresight, diligence and care on the part of iAPPS Health Group.
1.1.6. “iAPPS Health Group” means iAPPS Health Group Pte Ltd (UEN: 202107299H) and its successors.
1.1.7. “iAPPS Health Group Subsidiary” means any related corporation (as defined in the Companies Act (Cap. 50)) of iAPPS Health Group Pte Ltd (UEN: 202107299H).
1.1.8. “iAPPS Health Group Data Protection Policy” means the current version of the data protection policy available at
https://www.iappshealthgroup.com/privacy-policy/ or such other Internet website as may be maintained in respect of such policy.
1.1.9. “Indemnified Parties” means iAPPS Health Group, the other iAPPS Health Group subsidiaries and each of their respective directors, officers, employees, suppliers, vendors, licensors, agents and representatives.
1.1.10. “Intellectual Property Rights” means patents, trademarks, service marks, trade names, domain names, rights in designs, semiconductor topography rights, database rights of unfair extraction and reutilisation, copyrights (including rights in computer software), rights in know-how and other intellectual or industrial property rights (whether registered or unregistered and including applications for the registration of any of the foregoing) and all rights or forms of protection having equivalent or similar effect to any of the foregoing which may subsist anywhere in the world.
1.1.11. “Losses” means all losses, liabilities, costs, damages (including damages arising from cyber-attacks), claims, expenses (including legal fees, costs and expenses on a full indemnity basis), compensation, demands, actions and proceedings, howsoever arising, whether in contract, tort (including negligence or breach of statutory duty) or otherwise, and whether direct, indirect or consequential.
1.1.12. “Password” means the code generated by the 1doc Application server and subsequently may or may not be changed by the user.
1.1.13. “Payment Amount” means, in respect of a Payment Transaction, the amount as specified or confirmed in the relevant Payment Transaction Request as the amount to be paid to the relevant Payment Beneficiary.
1.1.14. “Payment Beneficiary” means a Payment Merchant who is designated by you to receive payment via a Payment Service.
1.1.15. “Payment Merchant” means a merchant entity to which iAPPS Health Group provides a mobile payment system to accept payment for product(s) or service(s) effected through the 1doc Application.
1.1.16. “Payment Services” means such payment-related services as the relevant Payment Service Providers may from time to time offer, provide or make available, and which may be effected or obtained through the use of the 1doc Application, pursuant to which payments may be made via such payment instruments, technologies and/or methods as may be determined by iAPPS Health Group from time to time, including: i. payments to Payment Merchants for product(s) and service(s) offered and/or provided by or on behalf of such Payment Merchants; ii. such other services as may be set out in the 1doc Website from time to time. For the avoidance of doubt, Payment Services shall not include payments to natural persons other than payments to Payment Merchants for product(s) and service(s) offered and/or provided by or on behalf of such Payment Merchants as provided herein.
1.1.17. “Payment Service Providers” means iAPPS Health Group subsidiaries and such other third party service provider as may be set out in the 1doc Website from time to time, and “Payment Service Provider” means any one of them.
1.1.18. “Payment Service Terms” means terms and conditions relating to the use of the Payment Services as provided by the respective Payment Service Providers, including any amendments thereto that the respective Payment Service Providers may make from time to time in their discretion. The Payment Service Terms include the Payment Services – Service Provider Terms and Conditions available at https://www.iappshealthgroup.com/payment-services-service-provider-terms-and-conditions/.
1.1.19. “1doc Application” means the application(s) for mobile devices (available for download in either iOS or Android) offered, operated and maintained by or on behalf of iAPPS Health Group from Singapore, whether jointly with any other corporations or persons or otherwise, through which certain products, services and functionalities, as iAPPS Health Group may determine from time to time at its sole and absolute discretion, are offered and may be accessed and used, and shall include any derivation or upgrade of such applications as may be made available by iAPPS Health Group, whether jointly with any other corporations or persons or otherwise, from time to time.
1.1.20. “1doc Account” means an account that is offered by iAPPS Health Group: i. through which the holder of such account may, inter alia, effect and obtain 1doc Services, subject to these Terms; ii. for the purposes of containing stored value, which is capable of being used by you to carry out such transactions as iAPPS Health Group may from time to time specify (including those which may be made pursuant to the 1doc Services)
1.1.21. “1doc Content” means all materials, information, tools, contents, hyperlinks, marks and logos contained in or displayed on, and all software and contents which may be downloaded and/or accessed from or are made available through, the 1doc Application (and/or any access thereto and/or use thereof), including: i. all features and functionalities for the time being offered and made available on or via the 1doc Application; ii. all advertisements, promotions and offers (whether from iAPPS Health Group, any other iAPPS Health Group subsidiary or any third party); iii. all material, information, tools, content, hyperlinks, marks and logos relating to third parties and/or products and/or services owned or provided by third parties; iv. all hypertext links to Third Party Sites; and v. Third Party Content.
1.1.22. “1doc Counters” means the physical counters operated by iAPPS Health Group in Singapore to provide services in relation to 1doc Services to its customers.
1.1.23. “1doc Merchants” means, in respect of a 1doc Coupons and Marketplace, the person offering, providing and making available such 1doc Service to users of the 1doc Application. A “1doc Merchant” may be iAPPS Health Group or other third party merchant as may be as shown in 1doc App from time to time.
1.1.24. “1doc Service Provider” means, in respect of a 1doc Service, the person offering, providing and making available such 1doc Service to users of the 1doc Application. A “1doc Service Provider” may be iAPPS Health Group, any other iAPPS Health Group Subsidiary, or such other third party service provider as may be set out in the 1doc Website from time to time.
1.1.25. “1doc Services” means such products and services as may be effected or obtained through the use of the 1doc Application for the time being as may be set out on the 1doc Website, comprising the Base Services and the Additional Services. For the avoidance of doubt, 1doc Services may include any feature, product or service made available through the 1doc Application from time to time, including any service governed by a Schedule to these Terms.
1.1.26. “1doc Users” means accounts created for users of 1doc site and/or the App.
1.1.27. “1doc Website” means www.iappshealthgroup.com or such other Internet website as iAPPS Health Group may maintain in respect of 1doc from time to time.
1.1.28. “SMS” means Short Message Service.
1.1.29. “Terms” means these Terms and Conditions together with any applicable Schedules, Additional Terms and feature-specific terms made available to you through the 1doc Application, as may be amended from time to time.
1.1.30. “Third Party Content” means all material, information, tools, content and hyperlinks contained in Third Party Sites (whether relating to third parties and/or products and/or services owned or provided by third parties or otherwise).
1.1.31. “Third Party Partner” means websites and/or mobile applications owned, operated or provided by third parties, such as OmronConnect app.
1.2. The headings or titles to the Clauses in these Terms are to facilitate reference and shall not be referred to or relied upon in the construction of any provision of these Terms.
1.3. Where the context so admits, the singular shall include the plural and words in the masculine gender shall include the feminine gender and/or neuter gender and vice-versa.
1.4. Any reference in these Terms to any Clause shall be construed as a reference to the clauses of these Terms unless otherwise expressly stated.
1.5. The words “include” or “including” in these Terms shall be deemed to be followed by “without limitation” or “but not limited to” whether or not they are followed by such phrases or words of like import.
1.6. Any reference in these Terms to any person shall be construed as a reference also to such person’s successors and assigns.

2. iAPPS Health Group
2.1. To contact iAPPS Health Group in connection with any matter relating to the 1doc Application or any Base Service, you may call iAPPS Health Group’s customer hotline or e-mail address at [email protected]. iAPPS Health Group may record any telephone conversation with you without notice to you. You hereby agree to such recordings and that such recordings shall be admissible in evidence in any proceedings and shall be binding on you.
2.2. Any determination, decision or opinion that iAPPS Health Group may make or have under or as envisaged in any provision in these Terms may be made or held in the sole and absolute discretion of iAPPS Health Group (whether or not it is expressly stated as such in the relevant provision). iAPPS Health Group shall not be required to provide any reason or explanation for any of its determinations, decisions and opinions. Without prejudice to the foregoing, if iAPPS Health Group nevertheless provides any reason or explanation for any of its determinations, decisions or opinions, such reason or explanation shall not be binding on iAPPS Health Group, and does not constitute any representation, warranty or undertaking by iAPPS Health Group (as to future action or otherwise).

3. Eligibility for 1doc
3.1. You acknowledge and agree that before you are eligible to access and use the 1doc Application (including to effect and obtain any 1doc Service), you are required to satisfy all the criteria set forth in Clause 3.2, as may be amended from time to time by iAPPS Health Group in its sole and absolute discretion, and to have successfully passed all identification checks, due diligence and other checks, screenings and verifications (including for anti-fraud, anti-terrorism, CFT and AML purposes) which iAPPS Health Group in its sole and absolute discretion considers necessary.
3.2. You acknowledge, agree and warrant that you are, and will at all times be, in compliance with the following:
3.2.1. You may not register an Account if you are not legal age of majority to contract (i.e you are below 21 years of age) unless your parent, guardian or carer provides consent and/ or registers their own “Master” Account and adds you as their Dependent. Dependents must only access the Master Account with the supervision of their parent, guardian or carer and always at the discretion of the medical practitioner. For the avoidance of doubt, 1doc takes no responsibility of any actions and conduct of the medical practitioner in his/ her consultation with patients of any age;
3.2.2. you shall register for and have in force a valid 1doc Account and shall comply with these Terms and all terms and conditions governing the use of 1doc Services, and your access to and use of the 1doc Application have not been suspended or terminated for any reason whatsoever; and
3.2.3. you are not in arrears of any payment due to any iAPPS Health Group Subsidiary.
3.3. In the event any of the criteria in Clause 3.2 has not been satisfied or ceases to be satisfied at any time whatsoever, and/or any provision of these Terms is not complied with, and/or you fail to successfully pass any identification check, due diligence and/or other check, screening and/or verification (including for antifraud, anti-terrorism, CFT and AML purposes) which iAPPS Health Group in its sole and absolute discretion considers necessary, or if at any time, iAPPS Health Group, at its sole and absolute discretion, suspects any fraud in relation to, and/or misuse of your 1doc Account and/or the 1doc Application, iAPPS Health Group shall be entitled to suspend or terminate the availability to you of and/or your access to and/or use of your 1doc Account (in whole or in part), the 1doc Application (in whole or in part) and/or any Base Service, and/or procure the suspension or termination of the availability to you of and/or your access to and/or use of any other 1doc Service by the relevant 1doc Service Provider, in each case, without notice to you and without giving any reason.

4. 1doc Account
4.1. You may register for 1doc Account through any one of the following channels by submitting a request in such manner and form and accompanied by such information and supporting documentation as may be required from time to time:
4.1.1. As an employee of a participating corporation in 1doc marketing promotion and/or campaigns
4.1.2. in person at a 1doc Counter or such other authorised locations as may be determined by iAPPS Health Group from time to time;
4.1.3. in person at roadshows organised or co-organised by iAPPS Health Group and/or 1doc Merchants and participating corporations from time to time;
4.1.4. over the Internet through the 1doc Website (when available);
4.1.5. through third party providers
4.1.6. such other channels as iAPPS Health Group may make available from time to time;
4.2. iAPPS Health Group retains the sole and absolute discretion to approve or reject any request to register 1doc Account in whole or in part, or to impose any conditions whatsoever to the registration of 1doc Account.
4.3. You may only register for 1doc Account, and access and use the 1doc Application and the 1doc Services, for (and only for) your own behalf and personal use, and not for the benefit or on behalf of any other person (including natural person or legal person). Without prejudice to the foregoing, you shall not assist, cause, permit or authorise any other person (including natural person or legal person) to access or use your 1doc Account to effect or obtain any 1doc Service, including making any payments or carrying out any transactions or other activity pursuant to any 1doc Service.
4.4. Any access or use of your 1doc Account in breach of these Terms or any access or use of your 1doc Account for any purpose which is prohibited by any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body shall be void and you shall have no rights under these Terms in respect of such access and/or use.
4.5. Where the mobile line linked to the mobile number and/or e-mail address you have provided to iAPPS Health Group in order to register for 1doc Account is transferred, suspended or terminated for any reason whatsoever, you shall forthwith notify iAPPS Health Group of the same and provide to iAPPS Health Group the particulars of a new mobile line to replace such transferred, suspended or terminated mobile line (if any). If you do not provide a new mobile line to replace such transferred, suspended or terminated mobile line, iAPPS Health Group shall be entitled to suspend (for such period as iAPPS Health Group may in its sole and absolute discretion consider appropriate) or terminate your 1doc Account and/or your access to and/or use of the 1doc Application (in whole or in part), without notice to you. In such event, any balance of Rewards for the time being standing to the credit of your 1doc Account shall, for the purposes of these Terms, be deemed to be Unused Balance (as defined in Clause 6.4). Notwithstanding the foregoing, if you shall fail to promptly notify iAPPS Health Group of your transferred, suspended or terminated mobile line and/or e-mail address, as herein required, you shall nevertheless be responsible and liable for all transactions carried out through your 1doc Account using the 1doc Application or such 1doc Service (as the case may be), notwithstanding that such transactions may have been carried out, and/or your Password or such details may have been used by any other person without your knowledge or authority.
4.6. You will be required to use your Password and such other details relating to your 1doc Account to access and use the 1doc Application (including to effect or obtain any 1doc Service). You will be responsible for safekeeping and maintaining the confidentiality of your Password and all details of your 1doc Account. You must not disclose to any person your Password or any details of your 1doc Account, and shall not assist, cause, permit or authorise any person to use your Password or 1doc Account for any purpose whatsoever. You shall take such measures as may be necessary and all due care to protect your Password and 1doc Account from misused by third parties.
4.7. You shall promptly notify iAPPS Health Group upon discovering of any:
4.7.1. inappropriate or unauthorised disclosure of and/or use of your Password and/or any details of your 1doc Account;
4.7.2. inappropriate or unauthorised access to and/or use of the 1doc Application and/or any 1doc Service effected using your Password and/or any details of your 1doc Account, and you shall promptly take such steps as specified by iAPPS Health Group (if any) in relation to the foregoing matters (including to change your Password).
4.8. You are solely responsible and liable for any access to and use of the 1doc Application or any 1doc Service effected through the use of your Password and/or any details of your 1doc Account, notwithstanding that your Password or such details may have been used by any other person without your knowledge or authority.
4.9. You agree to the terms of third party e-services made available through the 1doc Application, including Slide (https://slide.sg/slide-terms-and-conditions/) and Heartvoice (https://www.ourheartvoice.com/termsandconditions/)

5. 1doc Application and 1doc Services
5.1. Subject to these Terms, iAPPS Health Group grants you a limited, non-transferable and non-exclusive, revocable, free of charge, personal licence for the period during which (i) you have a valid 1doc Account and (ii) your 1doc Account and/or access to and use of the 1doc Application have not been suspended or terminated for any reason whatsoever, to access and use the 1doc Application to effect and obtain 1doc Services, provided that such access and use shall be made in Singapore on a mobile device that you own or control for non-commercial purposes.
5.2. You acknowledge and agree that the access to and use of the 1doc Application and 1doc Services is offered to you on an “as available, where available” basis. iAPPS Health Group may, at its sole and absolute discretion, at any time add to, vary or limit the features and/or functions of the 1doc Application, any 1doc Service or any 1doc Content which may be made available to you, and/or provide for, vary, supplement or amend and terms and conditions relating to your use of such the 1doc Application, any 1doc Service or any 1doc Content which may be made available to you without notice to you.
5.3. Any and all access and use by you of the 1doc Application and 1doc Services shall be governed by these Terms, where applicable, and is subject to such other guidelines, procedures, policies and regulations which may be prescribed, introduced, varied and/or amended by any applicable regulatory authority or law enforcement body from time to time.
5.4. Any and all access and use by you of any Additional Service, shall be dependent on your entry into and compliance with the terms and conditions of a separate agreement relating to such Additional Service with the relevant 1doc Service Provider, and to any and all other applicable terms, conditions and processes as may be introduced, amended and/or implemented by the relevant 1doc Service Provider and/or iAPPS Health Group from time to time. Nothing in these Terms amounts to any representation or warranty that you will be able to access and use the 1doc Application to effect or obtain any Additional Service. Where a Schedule applies to a particular Additional Service, you agree that such Schedule forms part of these Terms and applies to your access to and use of that Additional Service. Where a feature requires a separate consent or acceptance, your activation or use of that feature will constitute acceptance of the applicable feature-specific terms to the extent permitted by applicable law.
5.5. You must (and may only) pursue any claim, dispute or remedy which you may have in relation to a 1doc Service with the relevant 1doc Merchants / Service Provider.
5.5.1. iAPPS Health Group’s obligations are limited to taking instructions from you (which instructions shall be in such manner and form and accompanied by such information and supporting documentation as iAPPS Health Group may require from time to time) and such 1doc Service Provider and relaying such instructions to you or the 1doc Service Provider, as the case may be, in connection with the relevant 1doc Service. iAPPS Health Group shall have no other responsibility in relation to the relevant 1doc Service.
5.5.2. Any instructions given by you to iAPPS Health Group in connection with any 1doc Service may not be cancelled, withdrawn or amended unless iAPPS Health Group in its sole and absolute discretion consents otherwise. iAPPS Health Group shall not bear any liability or responsibility for any and all Losses if iAPPS Health Group does not or is unable to stop or prevent the carrying out of the relevant 1doc Service or any transaction as a result of such instructions.
5.5.3. Where a Schedule identifies a particular 1doc Service Provider or sets out feature-specific responsibilities, the allocation of responsibility in that Schedule shall also apply.
5.6. Notwithstanding any other provision of these Terms, iAPPS Health Group shall be entitled, in its discretion, to refuse to carry out and/or complete any request submitted or transaction carried out by you or on your behalf pursuant to any 1doc Service.
5.7. In the event of any inconsistency between the main body of these Terms (Clauses 1 to 23) and an applicable Schedule, the Schedule shall prevail only to the extent of the inconsistency and only in relation to the specific feature or service covered by that Schedule. In all other respects, the main body of these Terms remains in force.

6. 1doc Rewards Programme
6.1. 1doc Users earn rewards through purchasing products on 1doc.
6.2. 1doc Rewards are not transferrable or exchangeable for cash or cheque.
6.3. Rewards are not transferrable and non-refundable.
6.4. The balance for the time being standing to the rewards of your 1doc Account (“Unused Balance”) is held on trust by iAPPS Health Group for you, and does not earn any interest for you. Save as otherwise expressly provided in this Clause 6.4, no refunds or cash / cheque withdrawals may be made from your 1doc Account:
6.4.1. You may at any time submit a request to iAPPS Health Group through the support email at [email protected] for a termination of your 1doc Account. Such request shall be made in such manner and form and accompanied by such information and supporting documentation as may be required by iAPPS Health Group from time to time. Upon receipt of your request, iAPPS Health Group will provide, subject to verification and any termination as provided in Clause 14.8, no refund of rewards and coupons to you, as whereupon your 1doc Account shall be terminated. The refund shall be made by iAPPS Health Group in such manner and at such time as iAPPS Health Group may determine in its sole discretion, as shall be advised by iAPPS Health Group.
6.4.2. Any case for refund for rewards will be assessed individually by iAPPS Health Group.
6.4.3. For avoidance of doubt, iAPPS Health Group will not entertain any request for any refund of Rewards and/or Coupons.
6.4.4. Where you have outstanding payments owing to any iAPPS Health Group Subsidiary, iAPPS Health Group shall be entitled to first set- off the outstanding payments due to such iAPPS Health Group Subsidiary against the Unused Balance for the time being.
6.5. Notwithstanding any provision in these Terms, 1doc shall be entitled to, at any time and without notice to you:
6.5.1. deduct from your 1doc Rewards any amount deemed by 1doc in its sole discretion to have been wrongly credited into your 1doc Account and/or reverse any transaction carried out using your 1doc Account, whether due to mobile networks or delivery systems error or otherwise;
6.5.2. deduct from your 1doc Rewards any amounts which are payable by you to 1doc or any 1doc merchants, whether under these Terms or otherwise; and/or
6.5.3. deal with and/or take any action in respect of, any Unused Balance for the time being, if required by and in accordance with any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body.
6.5.4. Change of rewards criteria, amount per task and list of tasks required to earn rewards

7. 1doc Coupons
7.1. Coupons available in 1doc system are issued or co-issued by 1doc and/or 1doc merchants.
7.2. Each coupon is subjected to its terms and conditions provided by the issuer.
7.3. Redemption of coupon can be done using rewards such as Healthpoints in the 1doc App and/or site.
7.4. Coupons can be presented to be used at issuer’s online or offline stores.
7.5. Coupons can be in the format of discount coupon codes, QR code, barcode, or all three formats, or simply a web URL link.
7.6. Information of 1doc Users may be shared with 1doc merchants who issue the coupon, upon coupon redemption.
7.7. Coupons are not transferrable and non-refundable.
7.8. 1doc reserves the right to change the coupons’ availability and redemption cost per corporation and at any point of time.

8. Your General Obligations
8.1. Without prejudice to any other obligations which you may have (whether under these Terms, at law, in equity or otherwise), you represent, warrant and undertake that:
8.1.1. any and all information provided by you to iAPPS Health Group and/or any other iAPPS Health Group Subsidiary in connection with your access to and use of the 1doc Application, any 1doc Service or any 1doc Content (including in the course of registering for a 1doc Account) shall be true, accurate and complete, and you shall promptly notify and update iAPPS Health Group and/or the relevant other iAPPS Health Group Subsidiary in the event of any change to such information (in such form and with such valid supporting documentation as may be required by iAPPS Health Group and/or the relevant other iAPPS Health Group Subsidiary from time to time);
8.1.2. you are not and will not at any time be located in a country that is subject to embargo, or that has been designated as a “terrorist supporting” country by the Government of Singapore or by any regulatory authority and/or law enforcement body in Singapore;
8.1.3. you are not and will not at any time be listed on any list of prohibited or restricted parties by the Government of Singapore or by any regulatory authority and/or law enforcement body in Singapore;
8.1.4. you shall comply with: i. all applicable laws and directions, orders and requirements of any applicable regulatory authority and/or law enforcement body; and ii. such policies, measures, guidelines, regulations and procedures (such as security and encryption standards, rules and procedures) as iAPPS Health Group may specify from time to time in relation to the 1doc Application, including the provision of the 1doc Application by iAPPS Health Group to you, and your use of the 1doc Application, any 1doc Service and any 1doc Content;
8.1.5. you have taken, obtained and shall maintain in force all necessary action to authorise and all necessary permits, licences, approvals, consents, waivers and exemptions for your entry into and performance of your obligations under these Terms and to access and use your 1doc Account, the 1doc Application and the relevant 1doc Services and related 1doc Content, in each case, in accordance with all applicable laws and directions, orders and requirements of any applicable regulatory authority and/or law enforcement body;
8.1.6. you shall not at any time access or use the 1doc Application, any 1doc Service or any 1doc content for any unlawful or illegal activity or purpose or in any manner which will result in you or iAPPS Health Group or any other iAPPS Health Group Subsidiary breaching any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body; and
8.1.7. you shall render to each of iAPPS Health Group and the other iAPPS Health Group Subsidiaries any assistance and co-operation as iAPPS Health Group or such other iAPPS Health Group Subsidiary (as the case may be) may require in connection with any investigation undertaken and/or action taken by iAPPS Health Group or such other iAPPS Health Group Subsidiary (as the case may be) (including that referred to in Clause 9.3).
8.2. When using the 1doc Application, you agree not to do (or facilitate or attempt the doing of), and not to permit, cause or procure that any person to do (or facilitates or attempts the doing of), directly or indirectly, any of the following:
8.2.1. compromising or undermining the security or integrity of the 1doc Application or any of equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with the 1doc Application;
8.2.2. accessing or using the 1doc Application via any means or interface without obtaining express authorised permission from the relevant party(ies), including using or launching any automated system;
8.2.3. accessing, using or damaging, or disrupting or impeding the operation of, any of equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with the 1doc Application (other than as expressly permitted in these Terms);
8.2.4. renting, leasing, lending, trading, selling, reselling or otherwise charging any person for the use of the 1doc Application;
8.2.5. breaching any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body or any rule, regulation or policy applicable to any network, server, computer database, website or news group that you may access;
8.2.6. infringing any intellectual property right, proprietary, privacy or publicity rights of any person, or breach any obligation of confidence or any other proprietary right;
8.2.7. breaking into or accessing any computer hardware, software, system or procedure;
8.2.8. relaying any material through any third-party equipment, systems, networks, sites, servers and/or infrastructure without authorisation;
8.2.9. using or storing any bots on iAPPS Health Group or any other iAPPS Health Group Subsidiaries’ servers;
8.2.10. carrying out any activities which iAPPS Health Group may consider to be actually or potentially injurious to any person (including any iAPPS Health Group Subsidiary);
8.2.11. sending, posting (whether through the 1doc Application, on any website, mobile site, application, interface or platform that displays the “1doc” mark, or otherwise), transmitting, distributing, linking to, soliciting, collecting or otherwise dealing with any content or service that: i. contains or constitutes unsolicited material (including unsolicited bulk mail messages, masses of electronic mail and other data) that could be expected to adversely affect any network or facilities; ii. does not meet acceptable standards of decorum and good taste; iii. contains or constitutes any material that is, or that iAPPS Health Group considers, in its sole and absolute discretion, to be, obscene, offensive, defamatory, libelous, unlawfully threatening or harassing or otherwise actionable; iv. infringes any right of any person (including any proprietary or intellectual property right) or is in violation of any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body; v. contains or constitutes any material that is, or that iAPPS Health Group considers, in its sole and absolute discretion, to be, misleading; vi. compromises or undermines the security or integrity of 1doc or any of the equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with 1doc; vii. contains any errors, whether technical or otherwise; or viii. contains or constitutes any material in any form that would render iAPPS Health Group or any other iAPPS Health Group Subsidiary liable to any claim or proceedings whatsoever;
8.2.12. transmitting or distributing any viruses, worms, defects, Trojan horses, cancelbots, sniffer, time bombs or any programming or code of a destructive nature;
8.2.13. violating any person’s rights (including privacy rights), interfering with any person’s use of the 1doc Application, or causing any nuisance, annoyance or inconvenience to any person;
8.2.14. interfering with the proper working, functionality or availability of the 1doc Application or any other computer program or database in relation to or required in using the 1doc Application;
8.2.15. exploiting or abusing the 1doc Application;
8.2.16. breaching, tampering with, circumventing or modifying any security measures used by or on behalf of iAPPS Health Group in connection with the 1doc Application, including any encryption codes or technological protection measures in or used in connection with the 1doc Application; or
8.2.17. imposing an unreasonably large load on the servers serving the 1doc Application.

9. General Rights of iAPPS Health Group
9.1. iAPPS Health Group shall be entitled to send, and you hereby consent to iAPPS Health Group, sending and to you receiving, “push notifications” and e-mails relating to:
9.1.1. your access to and use of the 1doc Application and your 1doc Account (including details of how and when to update the 1doc Application); and
9.1.2. the Base Services and/or Additional Services.
9.2. Notwithstanding any other provision of these Terms, iAPPS Health Group shall be entitled to, and hereby reserve all rights to, at any time disable any links to or frames of any website or mobile application containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body or any applicable proprietary, privacy, publicity or other rights of any person (including Intellectual Property Rights).
9.3. iAPPS Health Group shall be entitled to at any time investigate complaints or reported breaches of these Terms or any matter referred to in these Terms, and to take any action iAPPS Health Group may consider appropriate, including reporting any suspected unlawful activity to law enforcement officials or regulators and disclosing any information necessary or appropriate to such persons.
9.4. iAPPS Health Group may, in its sole discretion, change, add or remove any feature or functionality of the 1doc Application at any time, including as a result of the acquisition and expiry of rights to any 1doc Content. Any such changes, additions and removals shall become part of the 1doc Application and shall apply immediately. Your continued access to and use of the 1doc Application shall be deemed to be your conclusive acceptance of such changes, additions and removals.
9.5. Notwithstanding any provision in these Terms which require iAPPS Health Group to, or envisage that iAPPS Health Group will, give notify or inform you of any matter, iAPPS Health Group may nevertheless not notify or inform you of such matter if iAPPS Health Group considers in its sole and absolute discretion that notifying or informing you of such matter will or may cause (i) iAPPS Health Group or any other iAPPS Health Group Subsidiary to be in breach of any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body and/or (ii) any prejudice to any investigation or proposed investigation by any person (whether iAPPS Health Group, any other iAPPS Health Group Subsidiary, any regulatory authority or law enforcement body, or otherwise).
9.6. You hereby agree and accept that iAPPS Health Group’s records of Payment Transactions and any other matter in relation to these Terms (including any communications transmitted electronically or telecommunications between iAPPS Health Group and you) as final and conclusive and binding for all purposes, in the absence of manifest error.
9.7. Without prejudice to any of iAPPS Health Group’s other rights and remedies (whether under these Terms, at law, in equity or otherwise), iAPPS Health Group is required to act in accordance with any and all applicable laws and directions, orders and requirements of any applicable regulatory authority and/or law enforcement body relating to the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities, and may be subject to sanctions in relation thereto. iAPPS Health Group shall have the right to take any action which may be required by any applicable regulatory authority and/or law enforcement body or which it, in its sole and absolute discretion, considers appropriate to take in order to comply with such laws, directions, orders and requirements.
9.8. Without prejudice and in addition to any right of set-off to which iAPPS Health Group is otherwise entitled, iAPPS Health Group may, at any time, upon written notice to you, set-off any amounts owing by you to iAPPS Health Group against any amounts which iAPPS Health Group owes to you. Notwithstanding the foregoing, in the event that you breach any provision of these Terms, iAPPS Health Group may perform such set-off without notice to you.

10. Disclaimers, Indemnity and Liability
10.1. All 1doc Services are offered and provided from Singapore. All 1doc Content is directed at and restricted to natural persons resident in or entities having a place of business in Singapore ONLY. iAPPS Health Group makes no representation that the 1doc Application, the provision of any 1doc Service or any 1doc Content is lawful, appropriate or available for use in other locations or jurisdictions.
10.2. You acknowledge and agree that the 1doc Application and all 1doc Services (and your access thereto and use thereof), and all 1doc Content, are provided on an “as is, as available” basis. Notwithstanding any other provision of these Terms, nothing in the 1doc Application constitutes or should be regarded as an offer or solicitation on the part of iAPPS Health Group to provide any products or services described therein to any person to whom it is unlawful to make such offer or solicitation or where the local law or regulation does not permit the purchase of, subscription for or other use of such products or services
10.3. All 1doc Content are provided or made available to you for general information and reference only. In addition, 1doc Content relating to third parties and/or products and/or services provided by third parties or provided on behalf of third parties (including Third Party Content) are re-transmitted by iAPPS Health Group to you in the ordinary course of business. Such products and/or services, and any act or omission of such third parties, shall be the sole responsibility of the relevant third party, and you must (and may only) pursue any claim, dispute or remedy in respect thereof with such third party.
10.4. 1doc Content may contain or comprise geographic, political, economic, statistical, financial and health-related data presented in approximate or summary or simplified form which may change over time, and may be based on material and/or information obtained from third parties which may not be accurate. You should not use any 1doc Content as a basis for making any decision, including whether to register for 1doc Account or to access or use a 1doc Service. 1doc Content should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You should obtain such professional advice where appropriate.
10.5. Your access to and use of the 1doc Application, any 1doc Service and any 1doc Content shall be solely at your own risk. You are solely responsible for evaluating the accuracy, completeness and usefulness of all opinions, advice and other information received with respect to the Payment Services in determining whether to access and/or use the 1doc Application, any 1doc Service and any 1doc Content.
10.6. In particular, without limitation, if you choose to access and/or use any Third Party Sites and/or Third Party Content, you acknowledge and agree that your access and/or use shall be subject to, and you shall review, accept and comply with, such terms and conditions (including any end user licence agreements) as may be applicable to such Third Party Sites and/or Third Party Content. You shall be solely responsible for any provision or submission of information by or on behalf of you on or through any Third Party Site.
10.7. None of the Indemnified Parties makes, and each of the Indemnified Parties hereby expressly excludes, any representation, warranty, guarantee, endorsement or undertaking of any kind, whether express or implied, statutory, arising from usage or custom or trade or by operation of law, or otherwise:
10.7.1. in relation to these Terms, the 1doc Application, any 1doc Service or any 1doc Content, including: i. the provision of the 1doc Application, any 1doc Service and any 1doc Content to you; ii. the performance by iAPPS Health Group of its obligations under these Terms; iii. any failure or delay in, interruption to or disruption of the provision of the 1doc Application, any 1doc Service or any 1doc Content to you, or in the transmission or receipt of any data in connection with the provision of the 1doc Application, any 1doc Service or any 1doc Content to you, howsoever caused or arising; iv. your access to and use of the 1doc Application, any 1doc Service and any 1doc Content (whether fraudulent, authorised, unauthorised or erroneous and whether or not you are aware of such access and/or use), and any suspension, termination or discontinuance thereof; and v. any transaction or activity carried out pursuant to any 1doc Service.
10.7.2. as to the accuracy, privacy, reliability, security, timeliness, non-infringement, title, merchantability, fitness for purpose, accessibility, functionality, availability or ability of the 1doc Application, any 1doc Service or any 1doc Content;
10.7.3. as to the inter-operability of the 1doc Application, any 1doc Service or any 1doc Content with any other system, infrastructure, interface, product, service, network or otherwise to any extent;
10.7.4. as to whether the 1doc Application, any 1doc Service or any 1doc Content will meet your needs or requirements in any way or be uninterrupted, timely, secure, or free from computer viruses, Trojan horses, worms, malicious, destructive or corrupting codes or programmes, malicious activities of third parties, software bombs or similar items, defects, delays, errors, spyware, malware, adware, imperfections, faults, mistakes, misrepresentations, omissions, defects or inaccuracies;
10.7.5. as to whether the service conditions on which your access to and/or use of the 1doc Application, any 1doc Service or any 1doc Content depend (as further described in Clause 10.8), will be met; and
10.7.6. as to whether or not your access to and/or use of the 1doc Application, any 1doc Service or any 1doc Content will (i) breach any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body, (ii) contain any obscene, offensive, defamatory material, or (iii) breach or infringe any rights, including Intellectual Property Rights and other proprietary, privacy and publicity rights, of any person and any obligations of confidence, and save to the extent prohibited by applicable law, the Indemnified Parties do not accept and shall not bear any liability or responsibility arising directly or indirectly from or in connection with any or all of the foregoing matters, and you hereby waive claim you may now or in the future have against any Indemnified Party for the same. You shall fully and effectively indemnify, defend and hold harmless each Indemnified Party from and against, any and all Losses arising directly or indirectly from or in connection with any or all of the foregoing matters.
10.8. You acknowledge and agree that your access to and use of the 1doc Application, any 1doc Service and any 1doc Content is subject to the following service conditions being met:
10.8.1. the availability to you of a suitable mobile handset or device that is compatible for use with the 1doc Application and the relevant 1doc Service and 1doc Content;
10.8.2. the availability and connectivity of a suitable network infrastructure at the time when the 1doc Application or the relevant 1doc Service or 1doc Content is accessed and/or used by you;
10.8.3. the geographic and technical capability of the mobile networks and delivery systems at the time and location when and where the 1doc Application or the relevant 1doc Service or 1doc Content is accessed and/or used by you.
10.9. You acknowledge and agree that iAPPS Health Group has entered and may enter into agreements and arrangements with, and is and may be subject to certain obligations to, owners and operators of Apps (“App Providers”) in connection with the distribution of the 1doc Application as a mobile application. iAPPS Health Group accepts no, and shall not bear any, liability or responsibility for any Loss arising from or in connection with any act or omission of any App Provider, or otherwise from the relationship between iAPPS Health Group and such App Providers.
10.10. Save to the extent prohibited by applicable law, in no event shall any Indemnified Party be liable or responsible in any way whatsoever for, and you waive any claim you may now or in the future have against any Indemnified Party and hereby agree to fully and effectively indemnify, defend and hold harmless each Indemnified Party from and against, any and all Loss arising from or in connection with or by reason of:
10.10.1. these Terms, the 1doc Application, any 1doc Service or any 1doc Content, including the matters described in Clause 10.7.1(i), any breach of these Terms (whether on your part, by any person acting on your behalf or over whom you have supervision or control, or otherwise) and any exercise by iAPPS Health Group or any iAPPS Health Group Subsidiary of their respective rights under these Terms;
10.10.2. any transaction or activity carried out through your 1doc Account or pursuant to any 1doc Service being inaccurate, inadequate, incomplete, ambiguous or inconsistent in any way for any reason whatsoever;
10.10.3. any unauthorised, mistaken, unlawful or wrongful payments made through your 1doc Account or pursuant to any 1doc Service for any reason whatsoever;
10.10.4. the performance by or on behalf of iAPPS Health Group of its obligations under these Terms, including the fulfillment of or failure to fulfil any Payment Transaction Request or the performance of or failure to perform any Payment Transaction (whether fraudulent, authorised, unauthorised or erroneous and whether or not you are aware of such fulfilment, performance or failure);
10.10.5. any product or service obtained from any Payment Merchant pursuant to any Payment Transaction (or any description of such product or service);
10.10.6. any breach of any Additional Terms (whether on your part, by any person acting on your behalf or over whom you have supervision or control, or otherwise);
10.10.7. any failure, refusal, delay, error or other act of omission by or on behalf of any 1doc Service Provider or content provider;
10.10.8. the use or disclosure, in any manner and for any purpose, by any Indemnified Party of any information obtained and/or provided by you in connection with your use of the 1doc Application, any 1doc Service or any 1doc Content, including where such information is (to your knowledge or otherwise) inaccurate, inadequate, incomplete, ambiguous, inconsistent or otherwise;
10.10.9. any error, omission, inadequacy, incompleteness, ambiguity, inconsistency or inaccuracy in or of any information obtained and/or provided by you in connection with your use of the 1doc Application, any 1doc Service or any 1doc Content (including in any Payment Transaction Request); and
10.10.10. any Force Majeure Event.
10.11. This Clause 10 shall survive any expiry, termination or other cessation of your relationship with iAPPS Health Group and/or your access to and/or use of the 1doc Application, any 1doc Service or any 1doc Content. iAPPS Health Group reserves the right to assume the defence and control of any matter subject to indemnification by you, in which event you will cooperate with iAPPS Health Group in asserting any available defences.

11. Intellectual Property Rights
11.1. You agree that caching, hyperlinking to, and framing of the 1doc Application or any 1doc Content are strictly prohibited, and that you shall not, and shall not assist, procure or cause any person to do or omit to do anything which may constitute any of such activities.
11.2. All Intellectual Property Rights in or relating to the 1doc Application, any 1doc Service and any 1doc Content, including information, communications, software, texts, graphics, links and sounds, belong to iAPPS Health Group, the relevant 1doc Service Provider and/or their respective related corporations, content providers and/or their third party licensors. Nothing in these Terms nor the grant to you of a licence to access and use 1doc shall be construed as granting you, by implication, estoppel or otherwise, and you shall not in any event be entitled to, any licence or right to use any such Intellectual Property Rights without the prior written consent of the relevant holder of such Intellectual Property Rights. Any right not expressly granted herein is reserved.
11.3. You shall not, and shall not assist, cause, permit or authorise any person to tamper, reproduce, modify, store, copy, use, transfer, distribute, republish, download, post, transmit, translate, pledge, sublicense, rent, lease, decompile, disassemble, reverse engineer or otherwise attempt to derive the source code for the computer systems and other technology that operates or supports, or create any derivative works based on, any 1doc Content (or part thereof) (including its user interfaces), in any form or by any means, without the prior written permission of the relevant copyright holder for any purpose whatsoever. For the purposes of these Terms, “reverse engineer” includes the examination or analyses of 1doc Content to determine the source code, structure, organisation, internal design, algorithms or encryption devices of the underlying technology of such 1doc Content. The source and object code of the 1doc
Application constitute a trade secret of iAPPS Health Group and must not be accessed, examined or shared without iAPPS Health Group’s prior written consent.
11.4. You acknowledge and agree that the 1doc Application, the 1doc Services, and all 1doc Content may not be used, and you shall not and shall not assist, cause, permit or authorise any person to use 1doc, any 1doc Service or any 1doc Content (or part thereof), for commercial purposes (including commercial distribution.
11.5. You hereby grant to iAPPS Health Group a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in all information and material which you provide to iAPPS Health Group in accessing and using the 1doc Application, any 1doc Service and/or any 1doc Content, for any purpose iAPPS Health Group deems fit (including the copying, transaction, distribution and publication thereof).

12. Personal Data
12.1. iAPPS Health Group and each other iAPPS Health Group Subsidiary shall be entitled to request for, retrieve and collect, and you hereby affirmatively agree, consent to and authorise the collection, retrieval, use and disclosure by and on behalf of iAPPS Health Group and each other iAPPS Health Group Subsidiary, any and all Customer Information, in the manner and for the purposes set out in the iAPPS Health Group Data Protection Policy, and for the following purposes:
12.1.1. considering whether to approve and/or processing your request for registration for a 1doc Account and/or to provide you with any 1doc Service;
12.1.2. administering and/or managing your 1doc Account and/or your relationship with iAPPS Health Group and any other iAPPS Health Group Subsidiary;
12.1.3. offering, providing and making available to you and carrying out their respective 1doc Services;
12.1.4. performing their respective obligations under these Terms and any Additional Terms;
12.1.5. carrying out identification checks, due diligence and other checks, screenings and verifications (including for anti-fraud, anti-terrorism, CFT and AML purposes);
12.1.6. dealing in any matters relating to the 1doc Services and/or 1doc Content which you access and use (including the mailing of correspondence, statements, invoices, reports or notices to you, which could involve disclosure of certain personal data about you to bring about delivery of the same as well as on the external cover of envelopes/mail packages);
12.1.7. investigating fraud, misconduct, any unlawful action or omission, whether relating to your application, your claims or any other matter relating to your 1doc Account and/or your relationship with iAPPS Health Group and any other iAPPS Health Group Subsidiary, and whether or not there is any suspicious of the aforementioned;
12.1.8. for meeting legal, regulatory and other compliance requirements (including disclosure to all government agencies and authorities, regulators (such as, without limitation, the Monetary Authority of Singapore), exchanges, clearing houses, markets or depositories); and
12.1.9. providing you with information, offering rewards, conducting market research and other survey, maintaining safety and security, and other purposes as further described in the iAPPS Health Group Data Protection Policy, (collectively, the “Purposes”).
12.2. You hereby affirmatively agree, consent to and authorise the disclosure and/or transfer out of Singapore (if applicable), by and on behalf of iAPPS Health Group or any other iAPPS Health Group Subsidiary, of your personal data, to its third party service providers or agents (including its lawyers), where such third party service providers or agents engaged by iAPPS Health Group or any other iAPPS Health Group Subsidiary, iAPPS Health Group would be processing your personal data for iAPPS Health Group or any other iAPPS Health Group Subsidiary for any of the Purposes.
12.3. You hereby represent, warrant and undertake to iAPPS Health Group and each other iAPPS Health Group Subsidiary that where you or your representative is responsible for the provision of any information or data relating to any natural person to the iAPPS Health Group and/or any other iAPPS Health Group Subsidiary, or actually provides any such information or data to iAPPS Health Group and/or any other iAPPS Health Group Subsidiary, you have informed each such person and each such person has given consent to the iAPPS Health Group’s collection, use and disclosure of their personal data as described under these Terms and the iAPPS Health Group Data Protection Policy.
12.4. You agree that iAPPS Health Group and each other iAPPS Health Group Subsidiary may retain all Customer Information for the Purposes and in compliance with the applicable law.
12.5. If you wish to withdraw your consent given under this Clause 12, you are required to submit a request to iAPPS Health Group (in such form as may be specified by iAPPS Health Group from time to time), whereupon iAPPS Health Group shall be entitled to take such action, or procure to be taken any such action, as iAPPS Health Group may consider appropriate arising from or in connection with such withdrawal of consent (including suspending or terminating the provision of 1doc (in whole or in part) to you).
12.6. You hereby consent to iAPPS Health Group and each 1doc Service Provider sending SMS notifications to you or contacting you in any other manner at any time and from time to time in relation to the 1doc Application (including in respect of your 1doc Account) or the relevant 1doc Service, respectively. If you contact iAPPS Health Group or any 1doc Service Provider via email, iAPPS Health Group or such 1doc Service Provider may keep a record of that correspondence.
12.7. You consent to iAPPS Health Group’s use of the data files which are placed on your device when you access and/or use the 1doc Application and/or any 1doc Service (“Cookies”) and iAPPS Health Group’s use of Cookies, as follows:
12.7.1. to collect information about how you access and use the 1doc Application and 1doc Services;
12.7.2. to identify your device for the following purposes: i. for the operation of the 1doc Application and the provision of the 1doc Services; ii. to temporarily allow you to carry information between pages or interfaces of the 1doc Application to avoid having to re-enter such information; and iii. to temporarily identify your device after you have logged in to a secure page on the 1doc Application in order for you to carry out certain transactions;
12.7.3. to enable iAPPS Health Group to improve the 1doc Application by tracking your access to and use of the 1doc Application and 1doc Services, so as to gather statistics on new and repeat visitors to evaluate effectiveness;
12.7.4. to enable iAPPS Health Group to personalise 1doc Content for you and make the 1doc Application more relevant to your interests;
12.7.5. to store and remember your login and preferences in accessing and using the 1doc Application and 1doc Services (for example, your choice of language and region) to avoid you having to re-enter such information when you return to the 1doc Application;
12.7.6. to maintain access controls for you to view privileged pages without seeking further permission from you (provided that no additional personal data is collected); and
12.7.7. to provide online advertisements or offers on the 1doc Application which are most likely to interest you, limit the number of times you see an advertisement or offer, and to evaluate the effectiveness of iAPPS Health Group’s online marketing and advertising programs.
12.8. While you can choose not to accept Cookies by changing the settings on your device, you acknowledge and agree that if you ‘block’ or choose not to accept any Cookies, certain 1doc Services and features on the 1doc Application may not work as they otherwise would if you had not ‘blocked’ such Cookies.
12.9. You may from time to time give your agreement, consent or authority to all collection, use and disclosure by iAPPS Health Group or any other iAPPS Health Group Subsidiary of any Customer Information, for any purpose(s) requested by iAPPS Health Group or such other iAPPS Health Group Subsidiary, by any form of writing or by the acceptance by you of any relevant terms and conditions (including in these Terms and the iAPPS Health Group Data Protection Policy) which refer to such consent or authority.
12.10. The provisions of this Clause 12 shall also constitute your consent for the purpose of the provisions of the Spam Control Act (Cap. 311A) and other applicable law, unless otherwise notified in writing by you in the procedure as determined by iAPPS Health Group or any other iAPPS Health Group Subsidiary from time to time, including as may be described in the iAPPS Health Group Data Protection Policy.
12.11. For the avoidance of doubt, Customer Information may include health information, medical information, wellness information, device and sensor information, measurements, manually entered health information, derived scores, estimates, summaries and information obtained from connected third-party services, where applicable. Such information will be collected, used, disclosed and retained in accordance with the iAPPS Health Group Data Protection Policy, these Terms and any feature-specific consent or Schedule.
12.12. Where a feature involves a separate consent screen or feature-specific consent, the applicable consent will be presented to you before activation where required by law or applicable governance requirements.

13. Force Majeure
13.1. iAPPS Health Group shall not be liable to you or be deemed to be in breach of any provision of these Terms by reason of any delay in performing, or any failure to perform, any of its obligations (including the offering, provision and making available of any Base Service to you, or allowing you to access and use your 1doc Account to effect or obtain any 1doc Service) if the delay or failure was due to any Force Majeure Event.

14. Suspension and Termination
14.1. iAPPS Health Group may at any time suspend (for such period as iAPPS Health Group may in its sole and absolute discretion consider appropriate) or terminate these Terms and/or the availability to you of and/or your access to and/or use of the 1doc Application (in whole or in part), your 1doc Account and/or any of the 1doc Services (as the case may be), in each case, without notice to you and without giving any reason. iAPPS Health Group may (but shall not be obliged to) post a notice of such suspension or termination on the 1doc Website or make such notice available in any other manner deemed appropriate by iAPPS Health Group.
14.2. A 1doc Service Provider may at any time suspend (for such period as such 1doc Service Provider may in its sole and absolute discretion consider appropriate) or terminate the availability to you of and/or your access to and/or use of the relevant 1doc Service (or any part thereof), in each case, without notice to you and without giving any reason.
14.3. Without prejudice to the foregoing, iAPPS Health Group and each 1doc Service Provider may at any time suspend (for such period as such iAPPS Health Group or such 1doc Service Provider (as the case may be) may in its sole and absolute discretion consider appropriate) or terminate the availability to you of and/or your access to and/or use of the 1doc Application (in whole or in part), your 1doc Account and/or the relevant 1doc Service (or any part thereof) (as the case may be), including freezing any Unused Balance in your 1doc Account, without notice to you, if:
14.3.1. iAPPS Health Group or such 1doc Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have provided it with any false identification or otherwise misleading information;
14.3.2. you have, or iAPPS Health Group or such 1doc Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have, committed a breach of any of the provisions of these Terms;
14.3.3. iAPPS Health Group or such 1doc Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have misused or are likely to misuse the 1doc Application or any 1doc Service (including for any unauthorised use or any criminal or illegal purpose);
14.3.4. iAPPS Health Group or such 1doc Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you are using the 1doc Application, your 1doc Account or any or all of the 1doc Services, or the relevant 1doc Service, respectively, on behalf of another party;
14.3.5. iAPPS Health Group or such 1doc Service Provider (as the case may be) is required to do so in order to comply with any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body;
14.3.6. there is a material security threat to the 1doc Application, your 1doc Account or any of the 1doc Services (as the case may be) (including risk of money laundering or terrorist financing, hacking or through the introduction of viruses or other malicious code);
14.3.7. iAPPS Health Group or such 1doc Service Provider (as the case may be) is, in its sole and absolute discretion, of the opinion that you have perpetrated a fraud on iAPPS Health Group or any iAPPS Health Group Subsidiary, or such 1doc Service Provider or any of its related corporations, respectively, or have conducted yourself in a manner which may result in perpetrating or attempting to perpetrate such a fraud;
14.3.8. you die, or become mentally incapacitated or suffer some other form of legal disability;
14.3.9. any information provided by you to iAPPS Health Group or such 1doc Service Provider (as the case may be) in connection with these Terms or the relevant 1doc Service, respectively, is found to be false, misleading or incorrect;
14.3.10. you have, or iAPPS Health Group or such 1doc Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have, caused or attempted to cause failure, interruption, disruption or congestion in any network or system in connection with the 1doc Application or any or all of the 1doc Services, or the relevant 1doc Service, respectively; and/or
14.3.11. any representation or warranty made by you to iAPPS Health Group or such 1doc Service Provider (as the case may be) in connection with these Terms is incorrect or misleading.
14.4. If you wish to suspend or terminate your access to and use of any 1doc Service, you are required to submit a request to iAPPS Health Group and the relevant 1doc Service Provider in such manner and form and accompanied by such information and supporting documentation as may be required by iAPPS Health Group and/or the relevant 1doc Service Provider from time to time) to request for and effect such suspension or termination. You acknowledge and agree that you will be subject to such terms and conditions as iAPPS Health Group and/or the relevant 1doc Service Provider may consider applicable to such suspension or termination.
14.5. You shall not be entitled to any payment, compensation or damages from iAPPS Health Group or any other iAPPS Health Group Subsidiary in relation to any suspension or termination of your access to and use of the 1doc Application, your 1doc Account or any 1doc Service for any reason whatsoever.
14.6. Any suspension or termination of your access to and use of the 1doc Application, your 1doc Account or any 1doc Service for any reason whatsoever shall not release you from any liability or responsibility on your part, which at the time of such suspension or termination, has already accrued.
14.7. The rights of suspension and termination of iAPPS Health Group and the 1doc Service Providers under these Terms shall be without prejudice to any other rights or remedies which iAPPS Health Group and each 1doc Service Provider (as the case may be) may have (whether under these Terms, at law, in equity or otherwise).
14.8. Upon any suspension or termination of these Terms, and/or the availability to you of and/or your access to and/or use of all (and not some) of the 1doc Services, your 1doc Account and/or the 1doc Application (as a whole):
14.8.1. you shall not have any right, benefit or interest in connection with these Terms, the 1doc Application, your 1doc Account or any 1doc Service, and without prejudice to the foregoing: i. the licence granted by iAPPS Health Group to you to access and use the 1doc Application shall cease and accordingly, you shall immediately cease all access to and use of the 1doc Application and all 1doc Services, and shall not, and shall not assist, cause or permit any person to, access or use the 1doc Application, your 1doc Account or any 1doc Service in any way (such licence, and your access to and use of the 1doc Application, your 1doc Account and the 1doc Services, shall only resume, in the case of a suspension, when such suspension ceases); and ii. any transaction which you have requested be carried out through the 1doc Application or pursuant to any 1doc Service that has not been completed shall be terminated (and in the case of a suspension, any such transaction may or may not resume when such suspension ceases);
14.8.2. none of iAPPS Health Group and the other iAPPS Health Group Subsidiary shall have any obligation to you in connection with these Terms, the 1doc Application, your 1doc Account or any 1doc Service;
14.8.3. Any and all sums due or accruing due or payable to iAPPS Health Group or any other iAPPS Health Group Subsidiary in connection with these Terms and/or your access to and use of the 1doc Application, your 1doc Account and any 1doc Service, up to and including the date of suspension or termination (as the case may be) shall become immediately due and payable to iAPPS Health Group or such other iAPPS Health Group Subsidiary; and
14.8.4. For the avoidance of doubt, upon termination of the availability to you of and/or your access to and/or use of all (and not some) of the 1doc Services, your 1doc Account and/or the 1doc Application (as a whole), you may register for a new 1doc Account in accordance with these Terms, if desired. However, without prejudice to any of iAPPS Health Group’s other rights and remedies (under these Terms, at law, in equity or otherwise), iAPPS Health Group retains the sole and absolute discretion to approve or reject any such request to register a new 1doc Account in whole or in part, or to impose any conditions whatsoever to your registration of a new 1doc Account.

15. Modification
15.1. iAPPS Health Group shall have the right in its sole and absolute discretion to amend, modify or vary these Terms (including any amendments made to the iAPPS Health Group Data Protection Policy) by giving no less than 7 calendar days’ notice thereof to you, by posting on the 1doc Application and/or 1doc Website or in any other manner deemed appropriate by iAPPS Health Group (which shall constitute good and sufficient notice thereof to you by iAPPS Health Group and shall be deemed to have been received by you on the date of such posting or the making public of such notice, as applicable). If you continue to access and use the 1doc Application and/or any 1doc Service after such amendment, modification or variation, you shall be deemed to have agreed to be bound by such amended, modified or varied information, material and Terms.
15.2. The amendment mechanism in Clause 15.1 continues to apply. For clarity, a Schedule may be amended, supplemented or replaced separately where the change relates only to a particular feature, subject to applicable notice and consent requirements. Where a change materially affects the collection, use or disclosure of personal data, any additional notice or consent required by applicable law shall be provided.

16. Waiver
16.1. No failure to exercise or enforce, and no delay on the part of iAPPS Health Group or any iAPPS Health Group Subsidiary in exercising or enforcing its rights under these Terms shall operate as a waiver thereof nor shall such failure or delay in any way prejudice or affect the rights of iAPPS Health Group or iAPPS Health Group Subsidiary at any time.

17. Confidentiality
17.1. You agree that iAPPS Health Group and/or any iAPPS Health Group Subsidiary shall not be under any obligation of confidentiality to you regarding any such information or material provided by you accessing and using the 1doc Application and/or any 1doc Service, unless agreed otherwise in a separate direct contract between you and iAPPS Health Group and/or the relevant iAPPS Health Group Subsidiary, or otherwise required under applicable law.

18. Assignment
18.1. You shall not assign, transfer or encumber any or all of your rights, interests and obligations under these Terms without the prior written consent of iAPPS Health Group.
18.2. iAPPS Health Group may assign and transfer any or all of its rights, interests and obligations under these Terms to any person. Any such assignment or transfer shall take effect upon posting on the 1doc Website or on such date as may be otherwise stated. In the event that iAPPS Health Group assigns and transfers all its rights, interests and obligations under these Terms:
18.2.1. all references to iAPPS Health Group in these Terms shall upon and after any such assignment and transfer be construed as a reference to the assignee and transferee of iAPPS Health Group; and
18.2.2. such assignee and transferee shall be entitled to enforce all rights and perform all obligations of iAPPS Health Group and to be paid all sums due from you under these Terms as at the date of such assignment and transfer thereafter.
18.3. Without prejudice to Clause 13, iAPPS Health Group shall be entitled to sub-contract and delegate any or all of its obligations under these Terms or any other matters contemplated in these Terms, to any third party (including any other iAPPS Health Group Subsidiary) as iAPPS Health Group deems fit, whether for such third party to carry out or procure the carrying out of such obligations or matters. In such event, iAPPS Health Group shall not be liable to you for, and hereby disclaims all liability and responsibility in relation to, any act, omission, neglect or willful default on the part of such third party.

19. Notices and Correspondence
19.1. All notices and communications by iAPPS Health Group and/or any iAPPS Health Group Subsidiary to you may be sent or dispatched to you by delivery, post, e-mail, SMS, eDM or facsimile transmission or any other means deemed appropriate by iAPPS Health Group, to your e-mail or other address or mobile or facsimile number appearing in any of your records maintained by iAPPS Health Group or from which any communication by you to iAPPS Health Group was dispatched or issued or otherwise last known to iAPPS Health Group. Any such notice, demand or communication addressed and so dispatched to you shall be deemed to have been received by you:
19.1.1. in the case of dispatch by e-mail, SMS or facsimile transmission or other instantaneous electronic communications, immediately upon transmission by iAPPS Health Group and/or the relevant iAPPS Health Group Subsidiary;
19.1.2. in the case of despatch by delivery to your address, on the date and at the time it was so delivered or left at that address; and
19.1.3. in the case of dispatch by post: i. to any address in Singapore, on the next day after it was posted by iAPPS Health Group and/or the relevant iAPPS Health Group Subsidiary; or ii. to any address outside Singapore, on the seventh (7th) day after it was posted by iAPPS Health Group and/or the relevant iAPPS Health Group Subsidiary.
19.2. All notices and requests from you to iAPPS Health Group shall be in writing unless otherwise specified by iAPPS Health Group to you. iAPPS Health Group shall be entitled to regard as ineffective and invalid any notice or request by you the receipt of which has not been confirmed by iAPPS Health Group to you.

20. Severability
20.1. Any part of any provision of these Terms that is invalid, unenforceable or illegal shall be enforced as nearly as possible, but shall otherwise be deemed severed and shall not affect the enforceability of any other part of these Terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

21. Third Party Rights
21.1. Save for the iAPPS Health Group Subsidiaries, no person who is not a party to these Terms has any right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce or enjoy the benefit of any provision of these Terms.

22. Applicable Law and Jurisdiction
22.1. These Terms shall be subject to and construed in accordance with the laws of Singapore and you hereby submit to the non-exclusive jurisdiction of the courts of Singapore.

23. 1doc AI Virtual Assistant Disclaimer
23.1. The 1doc AI Virtual Assistant has been trained using information provided by our qualified doctors and healthcare professionals to assist users in obtaining general information and guidance related to healthcare topics. Whilst the Virtual Assistant aims to provide accurate and relevant information, it is not intended to replace professional medical advice, diagnosis, or treatment provided by licensed healthcare providers. Users are encouraged to consult with a qualified healthcare professional for any medical concerns or questions they may have. We disclaim any liability for decisions made or actions taken based on the information provided by the 1doc AI Virtual Assistant.

SCHEDULES — FEATURE-SPECIFIC TERMS

The following Schedules form part of these Terms. A Schedule applies only where the corresponding feature or service is made available to, and used by, the user.

SCHEDULE 1 — 1doc REWARDS PROGRAMME

This Schedule supplements Clause 6 of these Terms. If there is any inconsistency concerning Rewards, this Schedule applies to the extent of that inconsistency.

1. 1doc Users may earn rewards through purchasing products on 1doc and/or through such other qualifying activities or tasks as may be specified by 1doc from time to time.

2. 1doc Rewards are not transferable and are not exchangeable for cash or cheque.

3. Rewards are non-refundable except where 1doc expressly determines otherwise or where required by applicable law.

4. The balance standing to the rewards of your 1doc Account (“Unused Balance”) does not earn interest. 1doc may apply or set off amounts from the Unused Balance where permitted under these Terms.

5. 1doc may deduct or reverse Rewards that were wrongly credited, awarded as a result of an error, obtained through misuse or fraud, or otherwise require reversal under applicable rules or law.

6. 1doc may change the rewards criteria, the amount of Rewards per qualifying activity and the list of qualifying activities or tasks from time to time.

7. Additional campaign-specific terms may apply to promotional or employer-sponsored Rewards. Those terms will be displayed or otherwise made available when the relevant Rewards are offered.

8. Rewards do not constitute cash, a bank deposit or a payment instrument, unless expressly stated otherwise in writing and subject to applicable law.

9. Upon suspension or termination of your 1doc Account, your Rewards may be dealt with in accordance with Clause 14 of the Terms and any applicable campaign or programme rules.

SCHEDULE 2 — 1doc COUPONS, PRODUCTS & MARKETPLACE SERVICES

This Schedule supplements Clause 7 and the provisions of these Terms relating to Additional Services, Payment Services and 1doc Merchants.

1. Coupons available in the 1doc system are issued or co-issued by 1doc and/or 1doc Merchants and are subject to the terms and conditions specified by the relevant issuer.

2. Coupons may be redeemed using Rewards such as Healthpoints and may be presented through discount codes, QR codes, barcodes, links or other formats made available in the 1doc Application.

3. Coupons are not transferable and non-refundable unless the issuer expressly states otherwise or applicable law requires otherwise.

4. Products offered through 1doc may be supplied by iAPPS Health Group, a 1doc Merchant or another third-party supplier. Product-specific terms, delivery terms, warranties and return/refund policies may apply.

5. Where a product or service is supplied by a third party, that third party is responsible for the relevant product or service, and claims concerning the product or service should generally be pursued with the relevant supplier, subject to applicable consumer protection law.

6. 1doc may change the availability of products or coupons, redemption requirements, pricing, redemption cost, delivery arrangements and other commercial terms from time to time.

7. Where personal data is shared with a merchant or supplier in connection with a coupon redemption, product purchase or fulfilment, such disclosure will be handled in accordance with the iAPPS Health Group Data Protection Policy and the relevant transaction requirements.

SCHEDULE 3 — HEALTHCARE, APPOINTMENTS & TELECONSULTATION SERVICES

This Schedule applies where 1doc provides or facilitates appointment booking, clinic queue functions, teleconsultation or other digital healthcare access.

1. 1doc may provide technology and administrative functions that allow you to locate or access healthcare services, make appointments, join or monitor a clinic queue, communicate with a healthcare provider or participate in a teleconsultation.

2. Where healthcare is provided by a clinic, doctor or other healthcare professional, the relevant healthcare provider is responsible for the clinical care provided to you, including clinical assessment, diagnosis, treatment and prescribing decisions.

3. The availability of an appointment, queue position or teleconsultation does not guarantee that a particular healthcare professional will be available at a particular time or that a consultation will proceed without delay.

4. Teleconsultations may be affected by device, connectivity, audio/video quality and other technical limitations. A healthcare professional may require an in-person consultation, examination, test or other follow-up where clinically appropriate.

5. You must provide accurate and complete information to the healthcare professional and should inform the healthcare professional of relevant symptoms, medications, allergies and other information reasonably necessary for safe care.

6. The 1doc Application and its digital healthcare functions are not an emergency service. If you have an emergency or require urgent medical attention, call 995 or attend the nearest Accident & Emergency department.

7. Nothing in this Schedule is intended to interfere with or replace the professional clinical judgment of a healthcare professional.

SCHEDULE 4 — 1doc DIGITAL AGENT & AI-ENABLED SERVICES

This Schedule supplements Clause 23 of these Terms and applies to the 1doc AI Virtual Assistant and other AI-enabled functions made available through the 1doc Application.

1. The 1doc Digital Agent and AI-enabled services are intended to assist users with general information, navigation, enquiries, wellness information and other functions specified by 1doc from time to time.

2. AI-generated information may be generated using software, algorithms or artificial intelligence and may be inaccurate, incomplete, outdated or unsuitable for an individual user’s circumstances.

3. Unless expressly identified as clinician-reviewed or as coming from your 1doc care team, AI-generated information should be assumed to be automatically generated and not individually reviewed by a doctor or other clinician.

4. The Digital Agent is not a doctor or healthcare professional and does not replace professional medical advice, diagnosis, examination or treatment.

5. You must not rely solely on an AI output to diagnose a condition, start, stop or change medication, decide whether urgent care is required, or make another decision for which professional medical advice is appropriate.

6. An interaction with the Digital Agent does not automatically constitute a medical consultation, diagnosis, prescription or clinical assessment. Where a clinical service is required, you should use the relevant appointment or healthcare service made available through 1doc.

7. AI responses may be based on the information available to the service at the time and may not include all information contained in your medical record or other healthcare systems.

8. Where AI interactions are recorded, stored, reviewed or used for service improvement, the iAPPS Health Group Data Protection Policy and any applicable feature-specific notice or consent will apply.

9. Where personal or health information is used for the development, training or improvement of AI or other models beyond what is necessary to provide and maintain the service, such use will be subject to the iAPPS Health Group Data Protection Policy, consent requirements and governance processes.

10. If you are experiencing an emergency, call 995 or go to the nearest Accident & Emergency department. Do not rely on the Digital Agent to identify or respond to an emergency.

SCHEDULE 5 — WEARABLE & HEALTH-TRACKING FUNCTIONS — TERMS OF USE AND CONSENT

This Schedule is based on the 1doc Wearable & Health-Tracking Functions Terms of Use and Consent and is intended to be accepted before activation of the relevant functions.

Core principle

Data collected ≠ continuously monitored • AI-generated ≠ clinician-reviewed • Wellness suggestion ≠ medical advice.

Before activation

These terms explain how the 1doc app’s wearable and health-tracking functions work, what data they collect, how automated scores, estimates and suggestions are generated, and how your 1doc care team may be involved. Before turning these functions on, please read this Schedule. By tapping “I agree”, you confirm that you have read and accepted these terms and consent to the collection, use and disclosure of your data as described below, to the extent consent is required. You may switch off available tracking functions or disconnect a data source at any time through available settings, subject to applicable legal and clinical record-keeping requirements.

1. What these functions do

The 1doc app can connect to compatible wearable devices, sensors and information you enter manually to give you a personalised view of your health habits and trends, organised around your health goals. Depending on the devices and services you connect, information may include:

• activity and movement, such as steps, active minutes, workouts and cardiorespiratory-fitness estimates;

• sleep, including duration, timing, regularity and sleep stages;

• heart-rate measures, including resting heart rate and heart-rate variability;

• continuous glucose data from a CGM sensor;

• blood pressure;

• weight and body composition;

• information you enter yourself, such as meals, drinks, symptoms, medications and supplements; and

• scores, estimates and summaries derived from available information, such as a Healthy Longevity score, pillar scores, biological-age estimate, data-confidence indicator, daily suggestions and weekly summaries.

The functions available to you may depend on the 1doc programme in which you are enrolled and the devices and data sources you choose to connect.

2. Wellness information is not a medical diagnosis

Unless expressly identified otherwise, the wearable and health-tracking functions and their automated outputs are intended for general wellness and informational purposes. Scores, biological-age estimates, trends, automated suggestions and summaries are not intended to diagnose, treat, cure or prevent a disease or medical condition and are not a substitute for professional medical advice, examination or treatment.

• scores and estimates are approximations based on the information available to the app and may be incomplete or inaccurate;

• they are not clinical measurements unless specifically identified otherwise;

• daily suggestions are general wellness prompts and are not prescriptions;

• automated suggestions do not change or override treatment or advice given to you by your doctor; and

• you should never start, stop or change prescribed medication or treatment based solely on an automated output from the app.

If you feel unwell or have symptoms that concern you, seek appropriate medical care. In an emergency, call 995 or go to the nearest Accident & Emergency department. Do not rely on the app to identify or respond to an emergency.

3. Automated outputs and AI

Some scores, estimates, trends, suggestions and summaries are generated automatically using software, algorithms or artificial intelligence. Automated outputs depend on the quality, completeness and availability of the information received by the app. They may therefore be inaccurate, incomplete or not appropriate to your individual circumstances.

Unless an item is specifically identified as clinician-reviewed or as coming from your 1doc care team, you should assume that it was generated automatically, has not been individually reviewed by a doctor or other clinician, and is provided for wellness and informational purposes only.

Automated outputs should not be used by themselves to make decisions about diagnosis, medication, treatment or whether to seek urgent medical care.

4. How your 1doc care team is involved

Some parts of the 1doc service involve your care team, which may include doctors and health coaches. Other parts are automated. Your day-to-day scores, automated suggestions and weekly summaries may be generated automatically and shown to you without a clinician reviewing each output. These outputs describe or interpret available data for wellness purposes and do not represent a clinical assessment unless specifically stated otherwise.

Where a written health review, clinical assessment or set of personal targets is specifically presented as having been reviewed or approved by your 1doc care team, an appropriately authorised member of the care team has reviewed or approved that content. Only content that has gone through the applicable review process will be presented as clinician-reviewed or care-team content.

Information collected through the app may be made available to your care team as part of the 1doc service. However, the fact that information is available to your care team does not mean that a doctor, health coach or other member of the care team is continuously viewing or reviewing it. The wearable and health-tracking functions are not a continuous clinical monitoring, emergency monitoring or alarm service.

5. Flags and escalation

Depending on the 1doc programme and how the service is configured, certain information or readings may generate a flag for review by your care team. A flag may not be generated for every abnormal or potentially important reading; may not be generated or transmitted in real time; may not be reviewed immediately; does not guarantee that a medical problem will be detected; and must not be relied upon as an emergency alert.

You remain responsible for seeking appropriate medical care if you feel unwell or are concerned about a reading or symptom. For an emergency, call 995 or go directly to the nearest Accident & Emergency department.

6. Devices, sensors and accuracy

The app may receive information from third-party devices and sensors, including smartwatches, rings, CGM sensors and blood-pressure monitors. 1doc does not manufacture these third-party devices. Measurements and estimates produced by them may vary between devices and may be affected by factors including device fit, wear time, activity, environmental conditions, medications and the methods used by the device manufacturer.

1doc cannot guarantee the accuracy, completeness or availability of measurements generated by third-party devices. Separately, scores, estimates and suggestions generated by 1doc depend on the information received and the methods used by the 1doc service and may also contain inaccuracies or limitations.

Continuous glucose monitors and certain other sensors may be regulated medical devices. You should use such devices according to the manufacturer’s instructions and, where applicable, the advice or supervision of your healthcare professional.

7. What data we collect and why

With your consent, the app may collect and process the health, wellness and device information described in this Schedule, together with relevant account and profile information. We may use this information to operate the wearable and health-tracking functions; generate your scores, estimates, suggestions and summaries; personalise the service around your health and wellness goals; make appropriate information available to your 1doc care team as part of the service or your care; maintain your longitudinal health information within the 1doc service; maintain, evaluate, secure and improve the reliability and performance of the service; and comply with applicable legal, regulatory, clinical and record-keeping requirements.

Any use of personal or health information for the development, training or improvement of AI or other models beyond what is necessary to provide and maintain the service will be subject to the iAPPS Health Group Data Protection Policy, consent requirements and governance processes.

1doc processes personal data in accordance with Singapore’s Personal Data Protection Act 2012 (“PDPA”) and the iAPPS Health Group Data Protection Policy. Health information is handled with safeguards appropriate to its sensitivity.

8. Connecting third-party accounts

You may choose to connect compatible third-party services or devices so that relevant information can be made available to the 1doc app. By connecting a third-party service, you authorise 1doc to receive the information you have permitted that service to share. The third party’s own terms, privacy policy and device instructions may also apply.

You can disconnect a data source at any time through the available settings. Disconnecting a source will generally stop new information from being received from that source but will not automatically delete information that has already been received and is required to be retained.

9. Sharing and disclosure

1doc does not sell your personal data. We may disclose relevant personal data to members of your 1doc care team where appropriate for the service or your care; to service providers acting on our behalf and subject to appropriate confidentiality and data-protection obligations; where you direct or consent to the disclosure; and where required or permitted by applicable law, regulation or for legitimate safety purposes.

Singapore data residency

Health-tracking information is stored in Singapore. Some functions, such as the drafting of your monthly Healthy Longevity Programme report, use third-party service providers that may process health-tracking information outside Singapore. Where personal data is transferred outside Singapore, 1doc will implement the safeguards required under applicable Singapore data-protection law and provide any notification or obtain any consent required by law.

10. Keeping your account secure

Keep your login credentials confidential and take reasonable steps to secure the device you use to access 1doc. The health information available through your account is personal to you. Please notify 1doc promptly if you believe that your account or health information has been accessed without your permission.

11. Your choices and rights

You can switch off available tracking functions or disconnect a data source at any time. You may request access to, or correction of, your personal data in accordance with the PDPA and applicable law. To exercise your data-protection rights, contact the 1doc Data Protection Officer using the contact details provided in the iAPPS Health Group Data Protection Policy.

12. Retention and deletion

1doc will retain health-tracking and related personal data only for as long as reasonably necessary for the purposes for which it was collected and for applicable legal, regulatory, clinical or record-keeping requirements. Different retention periods may apply to clinical records, clinician-reviewed content, wearable data, wellness information and derived scores. Where data is no longer required to be retained, it may be deleted or anonymised in accordance with applicable law and the iAPPS Health Group Data Protection Policy.

13. Eligibility

These functions are available only to account holders aged 21 years and above who are enrolled in an applicable 1doc programme, and not to Dependents. Certain functions may not be appropriate for all users. Eligibility, available functions and recommended use may vary depending on the programme in which you are enrolled, the devices being used and applicable clinical criteria. Where clinical supervision is required for a particular device, sensor or programme, the relevant clinical requirements will also apply.

14. User responsibilities

You are responsible for using connected devices and sensors in accordance with the manufacturer’s instructions and any advice from your healthcare professional, providing information that is reasonably accurate to the best of your knowledge, and seeking appropriate medical care where you have symptoms or concerns. You must not treat the wearable and health-tracking functions as a substitute for emergency or clinical monitoring.

15. Limitation of liability

To the extent permitted by applicable law, and except for liability that cannot lawfully be excluded or limited, 1doc is not responsible for loss arising solely from reliance on automated wellness scores, estimates, suggestions or summaries contrary to this Schedule; inaccuracies or unavailability of information generated by third-party devices or services; or a decision to seek, delay or forgo medical care based solely on an automated wellness output from the app.

Nothing in this Schedule excludes or limits liability where it would be unlawful to do so. Nothing in this Schedule affects your statutory rights or the professional duties owed to you by healthcare professionals providing clinical care.

16. Changes to this Schedule

We may update this Schedule as the 1doc service changes or where required by law, regulation or clinical governance requirements. We will notify you of material changes. Where a change materially affects how your personal data is collected, used or disclosed, we will provide any additional notice or obtain any consent required by applicable law.

17. Governing law and contact

This Schedule is governed by the laws of Singapore. For questions about these terms, the wearable and health-tracking functions, or how your personal data is handled, please contact iAPPS Health Group at [email protected]. The service is provided by iAPPS Health Group.

SCHEDULE 6 — PAYMENT SERVICES

This Schedule supplements the provisions of these Terms relating to Payment Services and applies where you use a Payment Service made available through the 1doc Application.

1. Payment Services are provided by the relevant Payment Service Provider on the terms of the Payment Service Terms, which include the Payment Services – Service Provider Terms and Conditions available at https://www.iappshealthgroup.com/payment-services-service-provider-terms-and-conditions/.

2. When you use a Payment Service, you agree to the Payment Service Terms, which form part of these Terms in relation to that Payment Service. Please read them before making a payment.

3. Where the Payment Service Terms set out the responsibilities of the Payment Service Provider or the allocation of responsibility for a Payment Service, that allocation applies in addition to the allocation of responsibility under these Terms.

4. If there is any inconsistency between these Terms and the Payment Service Terms concerning a Payment Service, the Payment Service Terms prevail to the extent of the inconsistency and only in relation to that Payment Service.

5. The Payment Service Terms may be updated from time to time in accordance with their provisions. The current version is available at the link above, and any notice or consent required by applicable law for a change will be provided.

6. Where personal data is used in connection with a payment, it will be handled in accordance with the iAPPS Health Group Data Protection Policy and the Payment Service Terms.

7. Nothing in this Schedule limits any right you have under applicable law that cannot lawfully be excluded or limited.

SCHEDULE 7 — HEALTHY LONGEVITY PROGRAMME

This Schedule applies where you are enrolled in the Healthy Longevity Programme.

1. The Healthy Longevity Programme is provided by the clinic at which you enrol, through the 1doc Application. The clinic and its licensed medical practitioners are solely responsible for all advice, diagnoses, treatments, procedures and prescriptions given under the programme. iAPPS Health Group provides the 1doc Application and is independent of that advice, diagnosis, treatment and prescription.

2. Your doctor enrols you in the Healthy Longevity Programme.

3. Your programme term is the length of programme you purchase, and starts on the day your doctor starts your programme. During your programme term, the Healthy Longevity Programme includes a monthly review of your health information by your 1doc care team and a written report.

4. When your programme term ends, the monthly care team review and written report stop.

5. The Healthy Longevity Programme is available only to account holders aged 21 years and above, and not to Dependents.

6. Schedule 5 applies to the wearable and health-tracking functions you use as part of the Healthy Longevity Programme.