1. Acceptance of These Terms
By accessing or using the RUDY platform, website, or related services (collectively, the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you are using the Service on behalf of a healthcare practice or other organization, you represent that you have authority to bind that organization, and "you" refers to both you and that organization. If you do not agree to these Terms, do not use the Service.
2. What RUDY Is
RUDY is a free, healthcare-focused platform that helps participating practices connect their patients to third-party financing. A patient submits a single application, and RUDY routes that application to one or more independent lenders to help identify available financing options. RUDY provides the technology and experience layer that facilitates this process.
3. RUDY Is Not a Lender
RUDY does not lend money, does not make credit decisions, and does not set the rates, terms, or eligibility criteria of any financing. All credit decisions, identity verification (KYC), underwriting, loan servicing, collections, and required consumer notices — including any adverse-action notices — are the sole responsibility of the independent third-party lenders. RUDY does not guarantee that any patient will be approved, or approved on any particular terms. Any financing relationship is solely between the patient and the lender.
4. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is intended for use by healthcare practices located in the United States and their patients.
5. Accounts and Security
To use certain features, a practice must create an account. You agree to provide accurate, current information and to keep it updated. You are responsible for safeguarding your login credentials and for all activity under your account. Notify us promptly of any unauthorized use.
6. Acceptable Use
You agree not to: (a) use the Service for any unlawful purpose; (b) submit false, misleading, or fraudulent information or applications; (c) submit a patient's information without that patient's authorization; (d) attempt to interfere with, reverse engineer, or gain unauthorized access to the Service; or (e) use the Service to violate any applicable law or third-party right.
7. Patient Information and Consent
Practices are responsible for obtaining all necessary patient consents and authorizations before submitting any patient information through the Service, including consent to share information with third-party lenders for the purpose of seeking financing. RUDY handles information as described in its Privacy Policy. You agree not to submit information in violation of applicable privacy or healthcare laws. [counsel: confirm HIPAA/business-associate posture and required consent language.]
8. Third-Party Lenders and Financing
Financing is offered by independent third-party lenders, not by RUDY. Each lender's own terms, rates, disclosures, and agreements govern any financing a patient accepts. RUDY does not endorse, guarantee, or assume responsibility for any lender's decisions, terms, conduct, or performance. RUDY is not a party to any loan agreement between a patient and a lender.
9. Fees
The Service is provided free of charge to participating practices and patients. RUDY is compensated by its lender partners in connection with financing facilitated through the Service. RUDY does not charge patients or practices a fee for using the Service.
10. Intellectual Property
The Service, including its software, design, text, and trademarks, is owned by 420Xchange, Inc and its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You may not copy, modify, distribute, or create derivative works from the Service without our written permission.
11. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. RUDY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY FINANCING WILL BE AVAILABLE OR APPROVED.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, RUDY AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. [counsel: insert any liability cap and confirm enforceability under Florida law.]
13. Indemnification
You agree to indemnify and hold harmless RUDY and its affiliates from any claims, damages, or expenses arising out of your use of the Service, your violation of these Terms, or your violation of any law or third-party right, including any claim relating to patient information you submit.
14. Privacy
Your use of the Service is also governed by the RUDY Privacy Policy, which is incorporated into these Terms by reference.
15. Changes to the Service or These Terms
We may modify or discontinue the Service, or update these Terms, at any time. Material changes to these Terms will be posted with an updated Effective Date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
16. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Service at any time. Sections that by their nature should survive termination (including Sections 10–13) will survive.
17. Governing Law and Disputes
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. The exclusive venue for any dispute will be the state or federal courts located in Palm Beach County, Florida, unless otherwise required by law. [counsel: decide whether to include binding arbitration and a class-action waiver, and draft those provisions — do not finalize this section without legal advice.]
18. Contact
Questions about these Terms may be sent to:
Next Generation Payments
6586 Hypoluxo Rd, Suite 319
Lake Worth, FL 33467
Email: info@nexgenerationpayments.com
19. General
These Terms, together with the Privacy Policy, are the entire agreement between you and RUDY regarding the Service. If any provision is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely.