Effective Date: 18th March 2026

At Cato Health, we are committed to transparency and clarity. These Terms of Service ("Terms") explain what you can expect from us and what we expect from you when you use our website, web or mobile application, health intelligence services, and any optional features or integrations you activate (collectively, the "Service").

When you use Cato Health, you are entering into a legal agreement with Cato Longevity Limited, a company registered in England and Wales under company number 16812178, with its registered office at 11A Fulham Park Road, London SW6 4LH, trading under the brand name Cato Health ("Cato Health," "we," "us," or "our"). By creating an account or otherwise using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

• We will always be transparent about how our Service works.
• We will protect your rights and privacy in accordance with applicable UK data protection law.
• We will communicate any changes to these Terms clearly and with reasonable notice.
• We will maintain appropriate technical and organisational security measures to protect your data.
• We will respond to any concerns you raise in a timely manner.
• We will treat you and your data with respect.

1.1 Cato Health Service and Plans

The Cato Health Plan that you select will include some combination of features from our Service. These features include:

Cato Health Digital Platform

• Platform Access: Ongoing access to our digital platform (available via mobile application or web browser, depending on your Plan). This provides health metrics, data visualisations, and lifestyle recommendations based on your active data inputs.

Blood Biomarker Tests

• In order to provide you with your blood biomarker test results, you will need to supply the necessary blood samples to our accredited third-party laboratory partner.
• This can be done via an at-home nurse visit or by booking an appointment at one of our testing sites.
• The laboratory runs the tests and generates the results, which are then presented in the Cato Health platform when complete.
• When your Plan ends, you will no longer have access to your results through the platform. We recommend that you download or export any results you wish to retain before your Plan expires.

Connected Devices and Integrations (e.g., Wearables — Where Applicable)

• Optional Integration: Your Plan may support the integration of third-party devices or data sources (such as fitness trackers, smartwatches, or other health apps) to enhance your health insights.
• Onboarding: In order to access data from these sources, you must successfully complete the relevant onboarding process and grant Cato Health the necessary permissions to access this data.
• When your Plan ends, Cato Health will no longer fetch new data from that source and you will not be able to access the data through our platform. We recommend that you download or export any data you wish to retain before your Plan expires.

Data Upload (Where Applicable)

• Health & Lifestyle Questionnaire: You will be required to complete a Health & Lifestyle Questionnaire to help personalise advice generated by the app and signed off by a clinician.
• Data Accuracy and Verification: You are solely responsible for the accuracy, authenticity, completeness, and legality of any data, documents, or records you upload to the Cato Health platform ("Uploaded Data"). You acknowledge that Cato Health does not verify, and is not responsible for, the quality or correctness of any Uploaded Data, and any insights or recommendations generated by the Service based on such data are contingent upon its accuracy.
• Use of Uploaded Data: By uploading data, you grant Cato Health the necessary permissions to access, process, store, and utilise the Uploaded Data in accordance with our Privacy Policy.
• When your Plan ends, you will not be able to access the Uploaded Data through the platform. We recommend that you download or export any data you wish to retain before your Plan expires.

1.2 Important Health Disclaimer: Not Medical Advice

Cato Health is a preventative health and lifestyle intelligence service designed to provide information and insights about your health and wellbeing. It is not a medical device and is not regulated as such.

You explicitly acknowledge and agree that:

• No Medical Care: We do not provide medical services, clinical diagnostics, or healthcare. Our Service is informational only and is NOT a substitute for professional medical advice, diagnosis, or treatment.
• No Doctor–Patient Relationship: Use of our Service does not create a doctor–patient relationship between you and Cato Health or any of its staff, contractors, or partners.
• Not a Medical Device: Our Service is not a medical device under the UK Medical Devices Regulations 2002 (as amended). It is intended for general wellness and lifestyle tracking only, not for the diagnosis, cure, mitigation, treatment, or prevention of any disease.
• AI Limitations: Our platform uses generative artificial intelligence. While we design our systems to reduce the likelihood of errors, AI technology can still occasionally generate incorrect, misleading, or incomplete information. You should never rely solely on AI output for health-related decisions without verifying it with a qualified healthcare professional.
• Non-Medical Nature: Our fees are specifically for non-medical information services. Our Service does not constitute a medical expense and does not make use of any publicly funded or publicly insured healthcare services.

Always consult qualified healthcare providers for:

• Medical questions or concerns
• Detailed interpretation of test results
• Diagnosis or treatment of health conditions
• Changes to medications or treatment plans
• Emergency medical situations

In case of a medical emergency, call 999 (or your local emergency number) immediately.

By using Cato Health, you acknowledge and agree that you understand these limitations and will seek appropriate medical care when needed.

1.3 Service Limitations

You acknowledge and agree that:

• Evolving Features: Our Service may evolve over time. We reserve the right to add, modify, or remove features (including specific data integrations or AI capabilities) at our reasonable discretion, subject to Section 9.2.
• Third-Party Data: We rely on data from third-party sources (e.g., laboratories, wearable manufacturers). We cannot guarantee the accuracy, completeness, or timeliness of this external data. If your wearable device records incorrect data, our insights based on that data may also be incorrect.
• Service Availability: We aim to provide reliable access to the Service but cannot guarantee that it will be uninterrupted, timely, or error-free. We reserve the right to suspend the Service temporarily for maintenance, updates, or operational reasons, and will use reasonable endeavours to provide advance notice of planned maintenance.
• Lab Results: Blood biomarker test results are typically provided within one week from collection, but unexpected delays may occur. Occasionally, tests may fail despite proper sample collection, in which case we will arrange for additional samples to be taken at no extra cost to you.

2.1 Eligibility Requirements

To use our Service, you must:

• Age and Location: Be at least 18 years of age and be resident in the United Kingdom.
• Medical Safety Exclusions: You must NOT currently: be pregnant; have had a heart attack, stroke, major surgery, or other significant health event in the last six months; be currently treated for an eating disorder (such as anorexia or bulimia) or a psychotic disorder, unless you have expressly confirmed with your treating doctor that use of this Service is safe for you.
• Condition Management: If being treated for any chronic medical condition (including type 1 or type 2 diabetes, chronic kidney disease, or cancer), you must have confirmed with your treating doctor that use of this Service is safe for you.
• Device and Sample Requirements (Where Applicable): For Plans including Wearable Integration: you must provide and use a supported device (e.g., Apple Watch, Garmin, Oura) and grant us the necessary data access permissions during onboarding. For Plans including Blood Testing: you must provide blood samples for biomarker testing during the onboarding process and at such intervals as specified by your Plan.

Please discuss your use of this platform with your doctor if you are under specialist medical care or become under specialist medical care during your Plan Period.

2.2 Account Creation and Security

When you create an account, you agree to:

• Provide accurate, current, and complete information about yourself.
• Maintain and promptly update your account information (including updating any connected devices if they change).
• Keep your password secure and confidential.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately at info@cato.health of any unauthorised use of your account or breach of security.
• Not share your account with anyone else.

We reserve the right to disable any user account at any time if, in our reasonable opinion, you have failed to comply with these Terms.

3.1 Plans and Terms

• Plans: We offer different tiers of service (each a "Plan"), which may include different features.
• Plan Period: By purchasing a Plan, you secure access to the Service for a specific period of time associated with the given Plan (the "Plan Period").
• Service Access: Regardless of the Plan selected, your Plan is a commitment for the Plan Period that begins on the date you place your order or redeem your gift code.
• Non-Refundable: Your upfront payment guarantees access for the Plan Period and is non-refundable if you choose to stop using the Service before the Plan Period finishes (subject to your statutory rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, as set out in Section 7).

3.2 Payment Processing

• Authorisation: Payments are processed securely through our third-party payment processor, Stripe.
• Charges: You agree to pay all charges associated with your selected Plan.
• Taxes: All fees are inclusive of VAT and other applicable taxes, unless otherwise stated at the point of purchase.
• Price Changes: We reserve the right to change our Plan pricing. If we do, we will provide you with at least 30 days' notice before any change takes effect at renewal.

3.3 Automatic Renewal (Where Applicable)

• Renewal: If your Plan is part of an annual Membership, to ensure uninterrupted service, your Membership will automatically renew at the end of the Plan Period for a further 12-month period at the then-current price, unless you cancel before the renewal date.
• Notification: We will notify you via email at least 14 days before your Membership renewal date, including the applicable renewal price.
• Cancellation: If you do not wish to renew, you must cancel your Membership before the renewal date by emailing info@cato.health.

4.1 How We Handle Your Data

We collect and process your personal data as necessary to provide our Service. Depending on your specific Plan and active integrations, this may include account information, data from connected devices, blood test results, and other health-related metrics.

Our complete data practices, including what we collect, how we use it, your rights, and details of international data transfers, are set out in our Privacy Policy. By using the Service, you acknowledge that you have read and understood our Privacy Policy.

4.2 Health Data and Consent

Our Service is fundamentally based on analysing your health data to provide personalised insights. Health data is "special category data" under the UK General Data Protection Regulation (UK GDPR) and requires additional protection.

For this reason:

• Legal Basis: We process your personal data on the basis of performing our contract with you (Article 6(1)(b) UK GDPR). For the processing of your health data (special category data), we rely on your explicit consent (Article 9(2)(a) UK GDPR).
• Explicit Consent: We require your explicit consent to process your health data (including blood results, health and lifestyle questionnaire responses, and device data). This consent is requested separately during account creation and prior to each new category of data processing.
• Right to Withdraw: You may withdraw your consent at any time by contacting info@cato.health. Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.
• Consequence of Withdrawal: Because processing your health data is essential to the core functionality of our Service, withdrawing consent will prevent us from delivering the Service and will result in termination of your Plan. In these circumstances, we will provide a pro-rata refund for any unused portion of your Plan Period.

4.3 Data Retention and Portability

Upon expiry or termination of your Plan:

• We will retain your personal data for a period of 30 days, during which time you may request a copy of your data in a commonly used, machine-readable format (in accordance with your right to data portability under Article 20 of the UK GDPR).
• After this 30-day period, we will securely delete or anonymise your personal data, unless we are required by law to retain it for a longer period.
• De-identified data that has already been incorporated into aggregated datasets for research or service improvement purposes will not be deleted, as it can no longer be linked to you.

4.4 Data Security

We implement appropriate technical and organisational measures to protect your data from unauthorised access, loss, or misuse. These include encryption of data in transit and at rest, role-based access controls, and regular security assessments. However, you acknowledge that no system is completely secure, and we cannot guarantee absolute security.

4.5 Third-Party Services and International Transfers

Our Service integrates with trusted third parties to provide core functionality. Depending on the features you use, this may include:

• Laboratory Partners: For processing diagnostic tests (where applicable).
• Doctors: For review and sign-off purposes.
• Data Integration Partners: For connecting with third-party apps or wearables (if enabled).
• Infrastructure Providers: For cloud hosting, AI processing, and payments.

When using our Service, your data may be shared with these providers strictly as necessary to deliver the Service. Where your data is transferred outside the United Kingdom, we ensure that appropriate safeguards are in place in accordance with UK data protection law (such as Standard Contractual Clauses or adequacy decisions). Further details are set out in our Privacy Policy.

4.6 Research

With your separate, explicit consent (which you may withdraw at any time without affecting your use of the Service), we may use de-identified data for:

• Research into nutrition, health, and wellness.
• Research into preventative healthcare insights and action plans.

Consent for research is entirely optional and is not a condition of using the Service.

4.7 Automated Decision-Making

Our Service uses AI to generate personalised health insights and recommendations based on your data. In accordance with Article 22 of the UK GDPR, where any automated processing could produce legal or similarly significant effects, we ensure that meaningful human oversight is available. You have the right to request human review of any automated decision by contacting info@cato.health.

5.1 Who Owns What

• You Own Your Health Data: You retain full ownership of the raw data you provide to us (such as your blood test results and wearable logs). We do not claim ownership of your personal health data.
• We Own the Platform: Cato Health owns our application design, code, brand, trademarks, and the AI models and algorithms used to generate your insights. All intellectual property rights in the Service belong to us or our licensors.

5.2 Permission to Use Your Data

To provide the Service, we need your legal permission to process your information. By using Cato Health, you grant us a non-exclusive, non-transferable licence to use your data solely to:

• Deliver Your Results: Analyse your inputs to generate your personal health scores, AI responses, and recommendations.
• Improve the Service: Use de-identified (anonymised) data to train our AI models and improve accuracy (subject to your consent where required).

This licence terminates when your Plan ends and your data is deleted in accordance with Section 4.3.

5.3 Your Personal Licence

We grant you a personal, non-exclusive, non-transferable, revocable licence to use our platform and the insights it generates for your own personal health purposes. You agree not to copy, modify, or distribute our code, resell our insights, or attempt to reverse-engineer how our AI works.

6.1 What You Can Do

As a Cato Health member, you can:

• Access and use our Service for your personal health and wellness needs.
• Connect supported third-party devices or apps to enhance your experience (where included in your Plan).
• Receive personalised health insights and recommendations.
• Participate in our community features where available.
• Provide feedback to help us improve.
• Exercise your data protection rights at any time (see Section 4).

6.2 What We Ask You Not To Do

You agree not to:

Misuse the Service or AI

• Manipulate the AI: Attempt to "jailbreak," manipulate, or trick the AI into providing harmful, illegal, or medical advice that bypasses our safety guardrails.
• Harmful Code: Upload or transmit viruses, malware, or use automated scripts ("scraping") to collect data from our Service.
• Illegal Use: Use the Service for any illegal purpose or to promote illegal activities.
• Account Sharing: Share your login credentials or allow others to access your personal health account.

Content Restrictions

• Harmful Guidance: Share medical guidance or advice through any community features that could be harmful to other users.
• Abuse: Post offensive, discriminatory, or inappropriate content in any community areas or AI chats.
• Spam: Promote commercial products or services without our authorisation.

Intellectual Property

• Copying: Copy, distribute, or reverse-engineer any part of our Service or AI models (as detailed in Section 5).
• Branding: Use our name, logo, or branding without our prior written permission.

We take these restrictions seriously. We reserve the right to suspend or terminate your account if you violate these rules, subject to the process set out in Section 7.5.

7.1 Statutory Right to Cancel (Cooling-Off Period)

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a legal right to cancel your Plan within 14 days of:

• The start of your Plan Period; or
• If your Plan includes an annual Membership, the start of any annual renewal period.

If you cancel during this cooling-off period, we will refund your payment in full, subject to the following deductions for services you have already received:

• Diagnostic Costs: If a nurse visit has been completed or blood samples have been processed, we will deduct the reasonable cost of those services and associated logistics from your refund.
• Service Usage: If you have accessed and used the digital platform during the cooling-off period, we may deduct a pro-rata amount for the days the Service was available to you, but only if you expressly requested that the Service begin during the cooling-off period.

7.2 Cancellation After the Cooling-Off Period

After the 14-day cooling-off period has passed:

• Fixed Commitment: Your Plan is considered a fixed commitment for the Plan Period.
• Renewal Cancellation: If your Plan includes an annual Membership, you may cancel your upcoming renewal at any time, but no refunds will be issued for the current active term.
• Continued Access: You will continue to have full access to the Service until the end of your current Plan Period.

7.3 How to Cancel

To cancel, email us at info@cato.health. We will acknowledge your cancellation request within 2 business days.

7.4 Plan Pausing

In exceptional circumstances (such as pregnancy, serious illness, or bereavement), we may, at our reasonable discretion, allow you to pause your Plan. Pausing freezes your access and extends your Plan Period by the duration of the pause. Contact info@cato.health to discuss your situation.

7.5 Termination by Cato Health

We may suspend or terminate your Plan:

• For Cause: Immediately, if you materially breach these Terms, misuse the AI, or if we are required to do so by law. Where reasonably practicable, we will give you prior written notice and an opportunity to remedy the breach before termination.
• Refund on Termination: If we terminate your Plan for reasons other than your breach, we will provide a pro-rata refund for any unused portion of your Plan Period.

8.1 Disclaimers

While we strive to provide a high-quality service:

• "As Is": The Service is provided "as is" and "as available."
• No Warranty: To the extent permitted by law, we do not warrant that the Service (including AI outputs) will always be error-free, complete, or uninterrupted.
• Third-Party Data: We do not warrant the accuracy of data we receive from your connected devices (e.g., wearables) or third-party apps. If your input data is incorrect, our insights based on that data may also be incorrect.
• Expectations: We do not guarantee that specific health outcomes will be achieved.

Nothing in these Terms affects your statutory rights under the Consumer Rights Act 2015, including your rights in respect of digital content that must be of satisfactory quality, fit for a particular purpose, and as described.

8.2 Limitation of Liability

Cato Health is not liable for any harm, injury, or adverse health outcome that may result from following insights, recommendations, or information provided through our Service. You acknowledge that our Service provides general health intelligence, not medical advice (as detailed in Section 1.2), and that you are solely responsible for verifying information with a healthcare professional.

To the extent permitted by law:

• Financial Cap: Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the total amount you paid to us in the 12 months preceding the claim.
• Indirect Damages: Cato Health is not liable for indirect, incidental, special, or consequential damages (such as loss of data, loss of profits, or emotional distress), except where such exclusion is prohibited by law.
• Third-Party Partners: While we carefully select our laboratory and integration partners, we are not liable for independent clinical errors, equipment failures, or data breaches that occur within a partner's own systems, or for delays caused by postal services or laboratory logistics outside our reasonable control.
• Force Majeure: We are not liable for failure to perform our obligations if caused by events outside our reasonable control, including but not limited to natural disasters, pandemics, government actions, or telecommunications failures.

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence.
• Fraud or fraudulent misrepresentation.
• Breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and quiet possession).
• Defective products under the Consumer Protection Act 1987.
• Any other liability that cannot be excluded or limited under applicable law.

8.3 Your Responsibilities

You agree to:

• Use the Service in accordance with these Terms.
• Provide accurate health and account information.
• Keep your account credentials secure.
• Not misuse the Service in ways that could harm others.
• Indemnify us against any losses we suffer as a result of your breach of these Terms (except to the extent caused by our own negligence or breach).

8.4 Governing Law and Disputes

• These Terms are governed by the laws of England and Wales.
• Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales.
• Your statutory consumer rights under UK law (including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013) are not affected by these Terms.
• We encourage resolving concerns through our complaints process (see Section 10) before taking legal action.
• If you are resident in the European Union, you may also be entitled to use the European Commission's Online Dispute Resolution platform.

8.5 Relationship Between Documents

• These Terms, together with our Privacy Policy, Cookie Policy, and any other policies published on our website, form the entire agreement between you and us regarding your use of the Service.
• If any provision of these Terms is found by a court to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• Our failure to enforce a right or provision of these Terms does not constitute a waiver of that right or provision.

8.6 Assignment and Transfers

• You may not transfer or assign your rights or obligations under these Terms without our prior written consent.
• We may transfer our rights and obligations under these Terms to another organisation, provided we give you reasonable notice and the transfer does not reduce the protections afforded to you under these Terms.

9.1 Changes to Terms

We may update these Terms from time to time to reflect changes in our business, legal requirements, or best practices.

• Notification: We will notify you of significant changes via email and/or an in-app notification at least 30 days before they take effect.
• Acceptance: Continued use of the Service after the effective date of changes constitutes your acceptance of the updated Terms.
• Material Changes: If a change materially and adversely affects your rights, we will provide you with reasonable notice and the option to cancel your Plan and receive a pro-rata refund before the new Terms apply.

9.2 Changes to Service

We are continually evolving our Service and may change, update, or discontinue any aspect of the Service (including features, AI capabilities, or supported integrations) from time to time.

• Material Reduction: If we discontinue a core feature that materially reduces the value of your Plan, you will have the right to cancel your Plan and receive a pro-rata refund for the remainder of your Plan Period.

9.3 Communication

We will communicate with you primarily through the application and via email. It is your responsibility to ensure your contact information (including email address) remains current. We are not liable for communications that fail to reach you because your contact information is out of date.

At Cato Health, we value your feedback and aim to resolve any concerns quickly.

If you have questions or complaints:

• Email: Contact us at info@cato.health with details about your concern.
• Acknowledgement: We will acknowledge receipt within 2 business days.
• Investigation: A member of our team will investigate and aim to provide a full response within 10 business days. If we need more time, we will keep you informed of progress.
• Escalation: If you are not satisfied with the outcome, you can request that your issue be escalated to senior management.
• External Resolution: If we cannot resolve your complaint to your satisfaction, you may wish to seek advice from Citizens Advice (citizensadvice.org.uk) or consider alternative dispute resolution.

We are committed to making our Service accessible to all users. If you have difficulty accessing any part of our Service due to a disability or other accessibility need, please contact us at info@cato.health and we will work with you to find a solution.

Cato Longevity Limited
Registered in England and Wales, Company Number: 16812178
Registered Office: 11A Fulham Park Road, London SW6 4LH

General Enquiries: info@cato.health