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            <h1 class="mb-4" style="color: #0a3d2f;">Terms of Service</h1>
            <p class="text-muted">Last updated: <?= date('F j, Y') ?></p>
            
            <h5>1. Acceptance of Terms</h5>
            <p>By accessing or using Unity Healthcare Database (UHD), you agree to be bound by these Terms of Service.</p>
            
            <h5>2. Description of Service</h5>
            <p>UHD provides a platform for managing health records, video consultations, appointments, prescriptions, HPS micro health insurance, and investment opportunities in medical equipment.</p>
            
            <h5>3. User Accounts</h5>
            <p>You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately of any unauthorized use.</p>
            
            <h5>4. Medical Disclaimer</h5>
            <p class="fw-bold text-danger">UHD does not provide medical advice. All information provided is for informational purposes only. Always consult a qualified healthcare provider for medical decisions.</p>
            
            <h5>5. Video Consultations</h5>
            <p>Video consultations are conducted via Jitsi Meet. You are responsible for ensuring a stable internet connection and appropriate privacy during consultations.</p>
            
            <h5>6. HPS Insurance & Investments</h5>
            <p>HPS plans are subject to terms and conditions. Investment returns are not guaranteed and past performance does not indicate future results.</p>
            
            <h5>7. Payments</h5>
            <p>All payments are processed securely via Flutterwave. Fees are non-refundable unless otherwise stated.</p>
            
            <h5>8. User Conduct</h5>
            <p>You agree not to misuse the platform, harass others, or attempt to gain unauthorized access to systems.</p>
            
            <h5>9. Intellectual Property</h5>
            <p>All content on UHD is owned by us or our licensors. You may not copy, modify, or distribute our content without permission.</p>
            
            <h5>10. Limitation of Liability</h5>
            <p>UHD shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform.</p>
            
            <h5>11. Termination</h5>
            <p>We may suspend or terminate your account for violation of these terms or for any other reason at our discretion.</p>
            
            <h5>12. Governing Law</h5>
            <p>These terms are governed by the laws of the Federal Republic of Nigeria.</p>
            
            <h5>13. Contact</h5>
            <p>Questions? Email us at <a href="mailto:legal@uhd.com.ng">legal@uhd.com.ng</a> or call +234 708 936 4492.</p>
            
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