Alphaeon Credit USA — Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using AlphaeonCreditUSA.com (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"), together with our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, please do not use this Site.

These Terms apply to all visitors, users, and anyone else who accesses or uses the Site. Your continued use of the Site constitutes acceptance of any updates to these Terms.

2. Alphaeon Credit Independence Disclaimer

All information provided on this Site about Alphaeon Credit products, services, interest rates, promotional offers, credit requirements, and related topics is gathered from publicly available sources, user submissions, and independent research. For official information, terms, and account management, users should visit the official Alphaeon Credit website at alphaeon.comor contact Comenity Capital Bank directly.

3. Alphaeon Credit — Informational Purpose Only

All content on AlphaeonCreditUSA.com is provided for general informational and educational purposes only. Nothing on this Site constitutes:

• Financial advice, credit counseling, or professional financial planning guidance
• Legal advice regarding credit agreements, debt, or consumer rights
• Medical advice regarding any procedure, treatment, or healthcare decision
• A guarantee, promise, or representation of approval for any credit product
• An offer or solicitation to provide any financial product or service

Before making any financial or medical decisions, we strongly encourage you to consult qualified financial advisors, licensed healthcare professionals, and review all official documentation from Comenity Capital Bank and your chosen healthcare provider.

4. Accuracy of Content

We strive to provide accurate, up-to-date information about Alphaeon Credit financing. However, healthcare financing terms, interest rates, promotional offers, provider networks, and credit approval criteria change frequently. We cannot guarantee that all information on this Site is current, complete, or error-free at all times.

Specific details that may change without notice include:

• Promotional financing terms (e.g., 6, 12, 18, or 24-month no-interest plans)
• Standard and deferred interest rates (currently published as 26.99% APR but subject to change)
• Credit score and income requirements for approval
• List of enrolled healthcare providers and specialties
• Application processes and documentation requirements
• Account management features and mobile app availability

Always verify current terms directly with Comenity Capital Bank and your healthcare provider before applying or entering into any financing agreement.

5. Alphaeon Credit Affiliate & Advertising Disclosure

AlphaeonCreditUSA.com may contain affiliate links, sponsored content, and advertising. Specifically:

Affiliate Relationships

This Site may earn a referral commission or compensation when visitors click on certain links and complete actions such as applying for or being approved for the Alphaeon Credit card. These affiliate relationships do not influence our editorial content, ratings, or recommendations. We only recommend products we believe provide genuine value to patients.

Federal Trade Commission (FTC) Disclosure

In accordance with the FTC's guidelines concerning use of endorsements and testimonials in advertising (16 CFR Part 255), we disclose that we may receive compensation for referrals. All opinions expressed on this Site are our own and based on independent research and analysis.

Advertising

Third-party advertisements displayed on this Site are clearly labeled as such. We do not endorse any third-party products or services advertised unless explicitly stated. Advertisers have no control over editorial content.

6. Intellectual Property

All original content on AlphaeonCreditUSA.com — including but not limited to text, articles, , graphics, logos (excluding third-party trademarks), and the overall Site design — is the intellectual property of AlphaeonCreditUSA.com and is protected under applicable copyright law.

You may not reproduce, distribute, republish, transmit, modify, or create derivative works of any content from this Site without our prior written consent, except for personal, non-commercial use. Brief quotations with proper attribution and linking back to the original page are permitted for journalistic or review purposes.

All trademarks, trade names, and service marks referenced on this Site — including "Alphaeon Credit," "Comenity," and related marks — are the property of their respective owners and are used on this Site for descriptive purposes only. No affiliation or endorsement is implied.

7. User Conduct

By using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to any portion of the Site or its servers
• Introduce any viruses, malware, or other malicious code
• Scrape, harvest, or collect user data or personal information without authorization
• Use automated tools (bots, crawlers, scrapers) in a manner that imposes unreasonable load on our servers
• Post or transmit any defamatory, fraudulent, or misleading content through any contact forms
• Impersonate any person, company, or entity
• Use the Site to send unsolicited communications (spam)

We reserve the right to terminate access for any user who violates these conduct standards.

8. Third-Party Links

This Site contains links to third-party websites, including the official Alphaeon Credit website, healthcare provider directories, financial education resources, and other external sites. These links are provided as a convenience and do not constitute an endorsement of those sites or their content.

We have no control over the content, privacy practices, or terms of third-party websites and are not responsible for any harm or damages arising from your use of those sites. When you leave AlphaeonCreditUSA.com, we encourage you to review the terms and privacy policy of any external site you visit.

9. Disclaimers & Limitation of Liability

No Warranties

This Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.

Limitation of Liability

To the fullest extent permitted by applicable law, AlphaeonCreditUSA.com and its owners, editors, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site
• Any reliance on information provided on the Site
• Unauthorized access to your data or personal information
• Any healthcare or financial decision made based on content found on this Site
• Actions of third parties including Comenity Capital Bank, Alphaeon Credit, or healthcare providers

In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless AlphaeonCreditUSA.com and its owners, officers, editors, contributors, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site, violation of these Terms, or infringement of any intellectual property or other rights of any person or entity.

11. Changes to These Terms

We reserve the right to modify these Terms of Use at any time, at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page. For significant changes, we may provide additional notice such as a banner on the homepage.

Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically to stay informed about how we govern your use of this Site.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States and, to the extent applicable, the laws of the state in which the Site operator is domiciled, without regard to conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Site shall first be addressed through good-faith negotiation. If a resolution cannot be reached, both parties agree to submit to binding arbitration under the American Arbitration Association (AAA) rules, waiving any right to a jury trial or class action proceedings to the fullest extent permitted by law.

13. Contact

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us:

• Website:alphaeoncreditusa.com/contact
• Email:[email protected]
• Response Time:We aim to respond to all legal inquiries within 5 business days.

For questions about your Alphaeon Credit account, billing, or financing terms, please contact Comenity Capital Bank directly through the official Alphaeon Credit website — we are unable to assist with account-specific inquiries.