MEMBERSHIP & COACHING AGREEMENT

Effective Date: November 12, 2025

Entity: Personomics, LLC ("Personomics," "we," "us," or "our")

This Membership & Coaching Agreement ("Agreement") governs your enrollment in any Personomics coaching program, concierge membership, or related service. It should be read alongside our Terms of Service, Privacy Policy, HIPAA Notice of Privacy Practices, and Lab & Diagnostic Consent Form.

1. About This Agreement

This Agreement sets forth the terms of your enrollment in a Personomics coaching program or membership (collectively, the "Program"). By enrolling — whether through our website, a checkout flow, or a direct enrollment process — you agree to be bound by the terms of this Agreement.

Personomics offers personalized, integrative health coaching services designed to support your wellness goals. Programs are built around at-home functional lab testing, personalized P360 Plans, and ongoing 1:1 coaching guided by the Personomics methodology and Dr. Stephen Cabral's DESTRESS Protocol.

Personomics health coaches are not licensed medical professionals. Our Programs are educational and supportive in nature and do not constitute medical advice, diagnosis, or treatment. See Section 7 for the full Non-Medical Disclaimer.

2. Program Tiers, Inclusions & Minimum Commitment Terms

Personomics offers three membership levels. Each level carries a minimum subscription commitment as described below. By enrolling, you acknowledge and agree to the minimum term for your selected level. You will be billed automatically each month beginning on your enrollment date until your membership is cancelled in accordance with Section 5.

Level 1 — Foundational Health | $290/month

Minimum Commitment: 4 Months

Level 1 is designed for members beginning their integrative health journey. Inclusions:

-Your personalized Personomics P360 Plan

-30-minute coaching call each month with your dedicated Personomics Health Coach

-Daily accountability and concierge messaging support

-Adrenal + Hormones At-Home Test every 6 months ($299 value each)

-Monthly community workshops and Q&A sessions

-10% discount on all lab tests

-Personalized monthly action steps and habit tracking

-Access to the Personomics Education Library

-Early access to community events, challenges, and live trainings

Minimum Term: By enrolling in Level 1, you are committing to a minimum of 4 consecutive monthly billing cycles at $290/month ($870 total minimum commitment). You may not cancel your membership before completing 3 full months of billing. After the 4-month minimum term is completed, your membership continues on a month-to-month basis and may be cancelled at any time by written request in accordance with Section 5.

Level 2 — Health Mastery | $490/month

Minimum Commitment: 4 Months

Level 2 is designed for members ready to accelerate their results with deeper lab testing, premium resources, and enhanced coaching. Inclusions are everything in Level 1, plus:

-60-minute coaching call each month (upgraded from 30 minutes)

-Stress, Mood & Metabolism At-Home Test every 6 months ($499 value each)

-7-Day Functional Medicine Detox included ($99 value)

-6-Month Health-Tech Gift (e.g., HRV tool, sleep sensor, or red-light device)

-Access to all Dr. Cabral's online courses ($897 value)

-Priority scheduling and faster turnaround on coaching responses

-PIF Bonus: Starter Kit + VITA-MIN TOX Protocol ($499 value) for members who pay in full

Minimum Term: By enrolling in Level 2, you are committing to a minimum of 4 consecutive monthly billing cycles at $490/month ($1,470 total minimum commitment). You may not cancel your membership before completing 3 full months of billing. After the 3-month minimum term is completed, your membership continues on a month-to-month basis and may be cancelled at any time by written request in accordance with Section 5.

Level 3 — Cabral100 | $990/month

Minimum Commitment: 6 Months | Limited to 100 Members | Application Only

Level 3 is Personomics' most comprehensive and exclusive concierge membership, limited to 100 active members at any time and available by application only. Inclusions are everything in Level 2, plus:

-Annual Big 5 At-Home Labs ($1,299 value)

-Stress, Mood & Metabolism At-Home Re-Test at 6 months ($499 value)

-21-Day Functional Medicine Detox included ($269 value)

-90-minute Big 5 Deep-Dive Lab Results Call with Dr. Cabral's top IHP3 Coach

-60-minute monthly call with Dr. Cabral's top IHP3 Coach

-All lab results and personalized plans reviewed and approved by Dr. Cabral

-Access to private Zoom workshops and masterclasses with Dr. Cabral

-Custom longevity programming (HPH protocols) created by Dr. Cabral

-Executive-level accountability framework

-VIP concierge support for scheduling, labs, and supplement ordering

-PIF Bonus: Biological Age ($500 Value) for members who pay in full

Minimum Term: By enrolling in Level 3, you are committing to a minimum of 6 consecutive monthly billing cycles at $990/month ($5,940 total minimum commitment). You may not cancel your membership before completing 6 full months of billing. After the 6-month minimum term is completed, your membership continues on a month-to-month basis and may be cancelled at any time by written request in accordance with Section 5.

3. Free Trial & Satisfaction Guarantee

We stand behind the Personomics experience. If you have not yet attended your first scheduled coaching call with your Personomics Health Coach, you are eligible for a 100% full refund of any membership fees paid — no hassle, no questions asked.

To request a refund, email [email protected] with the subject line "Refund Request — [Your Full Name]" and confirm that you have not yet attended a coaching call. Once you attend your first coaching call, all membership fees are non-refundable.

4. Enrollment, Billing & Payment

4.1 Enrollment

Your Program begins on the date your enrollment is confirmed and your first payment is received (or the date your free trial ends, whichever is applicable). Enrollment is subject to availability and, for Level 3, approval of your application.

4.2 Recurring Billing Authorization

By enrolling in a Program, you authorize Personomics to charge your selected payment method automatically on a recurring monthly basis beginning on your enrollment date (or after your free trial period ends). Your payment method will be charged on the same date each month until your membership is cancelled in accordance with Section 5.

You represent that your payment information is accurate, complete, and that you are authorized to use the payment method provided. Personomics securely stores your payment method through our third-party payment processor. We do not store full credit card numbers.

4.3 Failed Payments

If we are unable to charge your payment method for any reason:

-We will notify you via email and may attempt to reprocess the charge

-Your access to the Program may be suspended until payment is successfully processed

-Personomics reserves the right to cancel your enrollment if payment remains outstanding after reasonable notice

-Suspension or cancellation due to failed payment does not waive your minimum term obligation — any outstanding minimum term balance remains due

4.4 Fee Changes

Personomics may change Program fees from time to time. We will provide you with at least 30 days' written notice of any fee change before it takes effect. If you do not wish to continue at the new fee, you may submit a written cancellation request in accordance with Section 5 before the new fee takes effect. Fee changes do not take effect until after your current minimum commitment term is complete.

5. Cancellation & Refunds

5.1 Minimum Commitment — No Early Cancellation

Each Program level carries a minimum subscription commitment as described in Section 2:

Level 1 and Level 2: 3-month minimum commitment

Level 3 (Cabral100): 6-month minimum commitment

You may not cancel your membership before your minimum commitment term is completed. All monthly fees due through the end of your minimum commitment period are owed regardless of your usage of the Program. If you attempt to cancel before completing your minimum term, you will remain enrolled and billed through the end of that term.

5.2 How to Cancel — Written Request Required

Cancellation requests must be submitted in writing by email only to:

[email protected]

Subject line: "Membership Cancellation Request — [Your Full Name]"

Cancellation requests submitted by any other method (phone, chat, social media, or verbal request) will not be accepted or processed. Your cancellation is not confirmed until you receive a written confirmation email from our team.

Your written cancellation request must be received at least 48 hours before your next scheduled billing date to avoid being charged for the next billing period. Cancellation requests received less than 48 hours before your billing date will take effect at the following billing cycle.

5.3 Effect of Cancellation

Upon confirmed cancellation:

You will retain access to your Program through the end of your current paid billing period

No prorated refunds will be issued for unused time within a current billing period

Any scheduled coaching sessions within your remaining paid period should be used before your access end date. Unused sessions do not carry over or convert to credit after cancellation

All lab kits shipped to you prior to cancellation remain subject to the terms of our Lab & Diagnostic Consent Form

5.4 Refund Policy

All Program fees are non-refundable except in the following circumstances:

Pre-First-Call Refund: If you have not yet attended your first scheduled coaching call with your Personomics Health Coach, you may request a full refund by submitting a written request to [email protected]. Once you attend your first coaching call, no refunds will be issued under any circumstances, except as required by applicable law.

Defective or Lost Lab Kits: If a lab kit shipped to you as part of your Program is confirmed defective or lost in transit, we will replace the kit or issue a credit for its value.

Restricted Jurisdiction Orders: If you enrolled in a Program that includes lab services and we determine you reside in a restricted jurisdiction (New York State or currently suspended Washington State), we will refund the pro-rated value of any lab services included in your Program that cannot be fulfilled.

Termination by Personomics Without Cause: If Personomics terminates your enrollment without cause before the end of your minimum commitment term, we will issue a prorated refund for any prepaid Program fees covering the period after your termination date.

All refund requests must be submitted in writing to [email protected].

5.5 Termination by Personomics

Personomics reserves the right to terminate your enrollment in any Program at any time for violation of this Agreement, our Terms of Service, or any applicable law, without refund of fees paid. In the event of termination by Personomics without cause, Section 5.4 applies.

6. Coaching Services

6.1 What's Included

Personomics health coaches provide personalized, integrative health coaching to support your wellness goals. Depending on your Program level, coaching services may include:

-Review and discussion of your health history, goals, and lifestyle during your initial health consultation and onboarding

-Coordination and delivery of your at-home lab kit(s)

-A detailed lab results review call with your dedicated coach

-Delivery of your customized Personomics P360 Plan covering nutrition, movement, sleep, supplementation, detox, and lifestyle recommendations tailored to your lab results

-Monthly video check-in calls for plan adjustments and accountability

-Daily messaging support through our secure member portal

-Access to community workshops, Q&As, and educational content as included in your level

-Retesting coordination every 6 months as included in your level

6.2 Coach Qualifications

Personomics coaches are trained in integrative health through the IHP (Integrative Health Practitioner) Institute. They are not licensed physicians, psychologists, registered dietitians, or other licensed healthcare professionals unless explicitly stated. Coaching does not constitute the practice of medicine or any other licensed health profession.

If at any time you feel your assigned coach is not the right fit for you, contact [email protected] and we will arrange a complimentary call with another Personomics Health Coach better suited to your needs.

6.3 Dr. Cabral's Oversight Role

Dr. Stephen Cabral, Board Certified Doctor of Naturopathy, serves as Personomics' Health Director and oversees the Personomics system, coaching methodology, and health team. For Level 3 (Cabral100) members, all lab results and personalized plans are individually reviewed and approved by Dr. Cabral. For all other levels, Dr. Cabral oversees the system and protocols used by your coach but does not individually review each member's results.

6.4 Session Scheduling & Attendance

Sessions are scheduled through our online scheduling platform at mutually agreed-upon times

You are responsible for attending scheduled sessions. If you need to reschedule, please do so at least 24 hours in advance

Sessions cancelled with less than 24 hours' notice or missed without notice may be forfeited at Personomics' discretion

Personomics will make reasonable efforts to reschedule sessions cancelled by us due to coach unavailability

Children under 18 must have a parent or legal guardian present, visible, and participating on all video calls

6.5 Between-Session Support

Between sessions, your coach is available for messaging support through our secure member portal. Response times vary by Program level — Level 3 members receive priority and VIP concierge response. Messaging support is not intended for urgent health concerns. For any urgent health matter, contact a licensed healthcare professional or call 911.

6.6 Program Modifications

Personomics reserves the right to modify Program content, session formats, lab inclusions, or coach assignments at any time. We will notify you in advance of any material changes and will work to minimize disruption to your experience.

7. Non-Medical Disclaimer

This section is critically important. Please read it carefully.

7.1 Coaching Is Not Medical Care

Personomics coaching services, lab coordination, P360 Plans, educational content, and all related Program materials are educational and supportive in nature only. They do not:

Constitute medical advice, medical care, diagnosis, or treatment of any medical condition, disease, or illness

Create a physician-patient, therapist-patient, psychologist-patient, registered dietitian-client, or any other licensed healthcare provider relationship

Serve as a substitute for consultation with, or treatment by, a licensed healthcare professional

7.2 Your Responsibility for Healthcare Decisions

You are solely responsible for your own healthcare decisions. Before making any significant changes to your medications, supplements, diet, exercise routine, or treatment plan based on coaching recommendations or lab results, you should consult a licensed healthcare provider.

7.3 Lab Results Are Informational Only

Lab results provided through your Program are for informational and wellness education purposes only. They are not intended to diagnose, treat, cure, or prevent any disease or medical condition. Critical or abnormal results will be flagged and communicated to you, and it is your responsibility to follow up with a licensed healthcare provider regarding any results.

7.4 Emergency Situations

If you believe you are experiencing a medical emergency at any time, call 911 or your local emergency number immediately. Do not rely on your Personomics coach or our messaging platform for emergency health situations.

8. Geographic Restrictions

Enrollment in Programs that include integrative health lab testing is subject to the following geographic restrictions:

New York State: Permanently prohibited by state law. Lab services cannot be included in your Program if you reside in New York State

Washington State: Lab services are currently suspended. This suspension is temporary and subject to change

International: Lab services are available internationally only to residents of Australia, United States, Canada, New Zealand, and the United Kingdom

9. Lab Services Within Your Program

If your Program includes integrative health lab testing:

-Lab services are facilitated through our sister company and lab partner EquiLife (equi.life) and their accredited laboratory providers

-You must separately review and consent to our Lab & Diagnostic Consent Form at personomics.io/lab-consent before your first lab order is processed

-Lab tests expire within 6 months of purchase. You must collect and return your sample within 14 days of receiving your kit

-The name on your lab order must exactly match the name on your submitted sample

-Your lab results constitute Protected Health Information (PHI) and are handled in accordance with our HIPAA Notice of Privacy Practices (personomics.io/hipaa-notice)

-Lab-specific refund terms are governed by our Lab & Diagnostic Consent Form

10. Privacy & Your Health Information

By enrolling in a Program, you acknowledge that we will collect, use, and store personal and health-related information about you in connection with delivering your Program, including health intake information, coaching notes, lab results, and member portal communications.

Your information is handled in accordance with:

Privacy Policy — personomics.io/privacypolicy

HIPAA Notice of Privacy Practices — personomics.io/hipaa-notice

Consumer Health Data Privacy Policy — personomics.io/consumer-health-data

We will share relevant information with your assigned coach and, where applicable, with EquiLife and their laboratory providers, as necessary to deliver your Program. We do not sell your personal or health information.

11. Intellectual Property & Program Content

All Program content — including coaching materials, P360 Plans, protocols, educational resources, assessments, and templates — is the proprietary property of Personomics or its licensors.

You may use Program content solely for your own personal, non-commercial use. You may not:

Share, distribute, reproduce, or publish Program content with any third party without our prior written consent

Use Program content to create competing products or services

Record coaching sessions without the prior written consent of your coach and Personomics

12. Testimonials & Feedback

If you choose to share feedback, testimonials, or reviews about your Program experience, you grant us a non-exclusive, royalty-free, worldwide license to use such content in our marketing materials, website, and social media, in accordance with applicable law and our Privacy Policy. We will never share your individually identifiable health information in testimonials without your explicit written consent.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PERSONOMICS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, COACHES, AGENTS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR PARTICIPATION IN A PROGRAM, INCLUDING BUT NOT LIMITED TO DAMAGES ARISING FROM:

Reliance on coaching recommendations or lab results without consultation with a licensed healthcare provider

Health outcomes resulting from lifestyle or supplement changes made based on Program content

Any interruption, suspension, or termination of your Program

PERSONOMICS' TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO YOUR PROGRAM SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO PERSONOMICS IN THE THREE (3) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

14. Indemnification

You agree to indemnify, defend, and hold harmless Personomics and its affiliates, officers, directors, employees, coaches, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

-Your participation in the Program

-Your violation of this Agreement or applicable law

-Your reliance on Program content or lab results without consulting a licensed healthcare provider

-Any information you provide to Personomics that is inaccurate, incomplete, or misleading

15. Governing Law & Dispute Resolution

This Agreement is governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Any dispute arising out of or related to this Agreement or your Program that cannot be resolved informally will be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with proceedings conducted in English in Jupiter, Florida or via videoconference.

You and Personomics agree to:

-Waive any right to a jury trial

-Bring claims only in your individual capacity, waiving all rights to bring claims as a plaintiff or class member in any class or representative action

-To initiate arbitration or attempt informal resolution first, contact us at [email protected].

16. General Provisions

16.1 Entire Agreement

This Agreement, together with your program-specific enrollment confirmation, our Terms of Service, Privacy Policy, HIPAA Notice of Privacy Practices, Consumer Health Data Privacy Policy, and Lab & Diagnostic Consent Form (where applicable), constitutes the entire agreement between you and Personomics regarding your Program.

16.2 Amendments

Personomics may amend this Agreement at any time by providing you with at least 30 days' written notice. Your continued participation in your Program after the effective date of any amendment constitutes your acceptance of the revised terms.

16.3 Severability

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

16.4 Waiver

Personomics' failure to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.

16.5 Assignment

You may not assign or transfer your rights or obligations under this Agreement without our prior written consent. Personomics may assign this Agreement without restriction.

17. Contact Us

For questions about your Program, billing, cancellations, or this Agreement, please contact us at:

Email: [email protected]

Website: personomics.io

To cancel your membership, you must submit a written cancellation request by email to [email protected] with the subject line "Membership Cancellation Request — [Your Full Name]." Cancellations submitted by any other method will not be processed.

By enrolling in a Personomics Program — whether by checking a box at checkout, completing an application, or making your first payment — you acknowledge that you have read, understood, and agree to the terms of this Membership & Coaching Agreement, including the minimum commitment term for your selected Program level.

Personomics LLC • [email protected] • personomics.io