Legal Notices

Terms of Use

Last Updated: 8/13/2025

Acceptance of the Terms of Use

These Website Terms of Use (these “Terms”) govern your access to and use of this website, including any content, functionality and services offered on or through the website or any website displaying this Terms (“Website”).

These Terms constitute a legally binding agreement between Curi Holdings, Inc., its subsidiaries, and affiliate entities (“Curi,” “we,” “us”, “our”, or “Company”), you, and the person using this Website whether you are a guest or registered user.

Please read these Terms carefully before continuing with your use of this Website. If you do not want to agree to these Terms, you must not access or use the Website. These Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with Curi and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

By using this Website, you agree to the most recent Terms.

Please note- If you enter (or have entered) into any other agreement(s) with Curi—including, but not limited to, a malpractice insurance policy, confidentiality and non-disclosure agreement, business associate agreement—these Terms are in addition to the terms of such other agreement(s). In the event of a conflict between these Terms and any other agreement(s) between you and Curi, those agreements shall govern to the extent of the conflict(s). Entering into such agreements, visiting the Website, or agreeing to any of these Terms, does not guarantee you as eligible for any product and/or service offered through the Website or otherwise.

Changes to Terms

Curi may change these Terms at any time, in its sole discretion, and such changes will be posted on this webpage. Any such changes are effective immediately as of the time they are posted on the Website and apply to all access to and use of the Website thereafter. It is your responsibility to review these Terms each time you use this Website so you are aware of any changes, as they are binding on you. Your continued use of this Website following the posting of revised Terms means you accept and agree to any/all changes to the Terms, and you agree to the Terms in effect as of the time of your use. IF YOU DO NOT AGREE WITH THE REVISED TERMS, YOU MUST STOP USING THIS WEB SITE.

Modifications to the Website

We reserve the right to withdraw or modify this Website, and any service(s) or material(s) we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period.

Privacy Policy

Personal information, or data you enter on a form or registration, and certain other information about you is subject to our Privacy Policy. For more information, please review our full Privacy Policy.

Account and Website Security, Suspension, and Termination

If you choose, or are provided with, an account, username, password, or any other piece of information as part of our security procedures, it is your sole responsibility to ensure the confidentiality of such information. You agree to notify us immediately of any unauthorized access to or use of your account, username or password or any other breach of security.

The Company has the right to disable any account, username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including but not limited to if, in our opinion, you have violated any provision of these Terms.

The Company has the right to immediately suspend or terminate a user’s right to use the Website and account. The Company also has the right to disclose information about a user as allowed under applicable law, including the user’s identity and other personal information, to law enforcement authorities.

Commercial Use

Unless otherwise expressly authorized herein or on the Website, you must not access or use for any commercial purpose any part of the Website or any of the services or materials available through the Website. You agree not to display, distribute, license, publish, reproduce, duplicate, copy, create derivative works form, modify, sell, resell, transfer or upload for any commercial purposes any portion of the Website, use of the Website, or access to the Website.

Any/all resources provided by Curi through any portal access on this site are intended and provided only for use by Members with active/current medical professional liability policies with a Curi company. If you download, view, and/or utilize Curi materials provided for use by Members only, you agree not to display, distribute, license, publish, reproduce, duplicate, copy, create derivative works form, modify (including but not limited to rebrand), sell, resell, transfer or upload for any commercial purposes, all or any portion of these materials for any purpose unless explicitly authorized.

Intellectual Property Rights

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other third party providers, merchants, sponsors, and licensors of such material that have licensed their content or the right to market their products and/or services to the Company and are governed and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws and treaties.

Trademarks

The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its subsidiaries, affiliates, or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
To frame or otherwise incorporate into another web site any of the content or other materials on this Website (including but not limited to trademarks, logos, characters, service marks or copyrighted materials appearing on this Website), without prior written consent of Curi.
For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material.
To ask for personally identifiable information, or otherwise.
To transmit, or procure the sending of, any advertising or promotional material without Company’s prior written consent, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.

Additionally, you agree not to:

Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms, without our prior written consent.
Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the Website.

Curi retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. If you violate any of these Terms, your permission to use our Web Site immediately terminates without the necessity of any notice.

Online Purchases and Other Terms and Conditions

To the extent a payment is made via this website, that payment is governed by the terms of the underlying payment agreement or policy. Additional terms and conditions may also apply to specific portions, services, or features of the Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms.

Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express advance written consent.

This Website may provide certain social media features links that enable you to:

Follow Curi’s social media sites.
Post specific content on this Website to your social media accounts.

Your Content

This Website may also provide you the capabilities to send emails or other communications or upload data with certain content or other material on this Website (collectively, “Content”). To the maximum extent permitted by law, Curi will have no liability related to your Content arising under the laws of copyright, libel, privacy, obscenity, or otherwise. Curi also disclaims all liability with respect to the misuse, loss, modification, or unavailability of any of your Content.

By providing your Content to Curi, you agree that:

Curi may store your Content.
Curi may review, but is in no way obligated to review or notify you of our review, Your Content for any reason, including compliance with these Terms and/or our Privacy Policy or areas where our Website is available or used.
You are providing your Content to Curi at your own discretion and Curi does not in any way certify or provide approval or permission prior to you providing your Content.
Curi may display your Content to Curi’s affiliates, subsidiaries, and employees for the purpose of providing our products and services, unless prohibited by law.
Curi may use your Content in furtherance of providing its products and services.

Third-party Services and links

The Website may contain links to other sites and resources provided by third parties. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Third Party Rights

These Terms are for the benefit of Curi, its providers, and Website hosting service providers, and its and their officers, directors, employees, affiliates, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you or its or their own behalf.

Geographic Restrictions

The owner of the Website is based in the State of North Carolina in the United States. We provide this Website for use only by persons located in the United States.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that information available or downloadable from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

YOU EXPRESSLY AGREE THAT (I) USE OF THIS WEBSITE IS AT YOUR SOLE RISK AND YOU (AND NOT CURI) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF YOUR SYSTEM AND (II) TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL CURI, ITS AFFILIATES OR SUBSIDIARIES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

YOU UNDERSTAND AND AGREE THAT CURI, ITS SUBSIDIARIES AND AFFILIATES DO NOT PROVIDE ANY MEDICAL OR LEGAL ADVICE ON OR THROUGH THIS WEBSITE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website.

Governing Law and Jurisdiction

RESOLVING DISPUTES

If a dispute should arise between you and Curi, we want to provide you with a resolution that is efficient and cost effective by using our customer service team. Almost all customer service disputes can be resolved to the customer’s satisfaction by using our customer service, reachable by sending an email to the applicable Curi entity found on our Contact Us page.
If your dispute cannot be resolved using our customer service team, these Terms describe how we shall proceed with the resolution of the dispute.

AGREEMENT TO ARBITRATE DISPUTES

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

IF YOU ARE A U.S. RESIDENT, YOU ALSO AGREE TO THE FOLLOWING MANDATORY ARBITRATION PROVISIONS:

WE BOTH AGREE TO ARBITRATE: You and Curi agree to resolve any claims relating to these Terms through final and binding arbitration, except that, to the extent you have in any manner violated or threatened to violate Curi’s intellectual property rights (for example, trademark, trade secret, copyright, or patent rights). Under such circumstances Curi may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Site, or intellectual property infringement (for example, trademark, trade secret, copyright, or patent rights) without first engaging in arbitration or the informal dispute-resolution process described above.

WHAT IS ARBITRATION: Arbitration is more informal than a lawsuit in court and seeks to resolve disputes more quickly. Instead of a judge or a jury, the case will be decided by a neutral arbitrator who has the power to award the same damages and relief that a court can. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced.

ARBITRATION PROCEDURES: The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration shall be initiated through JAMS. Any dispute, controversy, or claim arising out of or relating to these Terms shall be referred to and finally determined by arbitration in accordance with the JAMS Streamlined Arbitration Rules and Procedures. If there is a conflict between JAMS Rules and the rules set forth in this Agreement to Arbitrate, the rules set forth in this Agreement to Arbitrate will govern. The JAMS Rules and instructions for how to initiate an arbitration are available from JAMS at http://www,jamsadr.com. To initiate arbitration, you or Curi must do the following things:
1. Write a demand for Arbitration. The demand must include a description of the Claim and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at www.jamsadr.com.
2. Send three copies of the Demand for Arbitration, plus the appropriate filing fee to your local JAMS office.
3. Send one copy of the Demand for Arbitration to the other party.
Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

AUTHORITY OF ARBITRATOR: The arbitrator will decide the rights and liabilities, if any, of you and Curi, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the Arbitration Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have.

NO CLASS ACTIONS: You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed

WAIVER OF JURY TRIAL: THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in court and are subject to very limited review by a court. In the event any litigation should arise between you and Curi in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND CURI WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT YOU MAY CONSULT WITH AN ATTORNEY IN DECIDING TO ACCEPT THIS AGREEMENT TO ARBITRATE.

OPT-OUT OF AGREEMENT TO ARBITRATE: You can decline this agreement to arbitrate by providing written notice sent via certified mail addressed to Curi Management Company, LLC, 700 Spring Forest Rd., Suite 400, Raleigh, North Carolina 27609, and providing the requested information as follows: (1) Your Name; (2) the URL of Terms of Use and Agreement to Arbitrate Disputes; (3) Your Address; (4) Your Phone Number; (5) and clear statement that you wish to opt out of this arbitration provision in the Terms of Use. The Opt-Out Notice must be mailed no later than 30 days after the date you first accept the Terms of Use by using the website. However, under all circumstances, it must be received within 30 days of the date the matter giving rise to the claim occurred.

All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including but not limited to arbitration and non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of North Carolina without giving effect to any choice or conflict of law provision or rule (whether of the State of North Carolina or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of North Carolina, in each case located in the City of Raleigh and County of Wake, and you waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

The foregoing does not affect Curi’s right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of North Carolina without giving effect to any choice or conflict of law provision or rule (whether of the State of North Carolina or any other jurisdiction).

The foregoing does not affect Curi’s right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

Entire Agreement

The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between Curi, its affiliated or related entities, displaying these Terms, and you. These Terms supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding the last published Terms of Use shall prevail.

Your Comments

This website is operated by Curi, 700 Spring Forest Road, Suite 400, Raleigh, NC 27609, USA.

Any feedback, comments, or requests for technical support relating to the Website should be directed to Curi OneConnect: oneconnect@curi.com or (800-328-5532).

Website Privacy Policy

Last Updated: 8/13/2025

Curi Holdings, Inc. and its affiliates and subsidiaries (collectively, “Curi,” “Company,” “us,” “our,” or “we”) are dedicated to protecting your personal information and your right to privacy. In this privacy policy (“Privacy Policy”), we endeavor to explain in the most transparent way possible what information we collect when you visit our website, www.curi.com, and other Curi domains (collectively, “Website”); and how we protect, use, and disclose it. This Privacy Policy also applies to the information we collect about you from third parties or when you contact us by email or phone.

This Privacy Policy does not cover the protected health information (“PHI”) we may collect, use, and disclose in our capacity as a business associate under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). The controller of the PHI we may collect is the covered entity, as defined by HIPAA, that we are contracted via a Business Associate Agreement.

Our Website is not intended for anyone under 18 years of age. No one under 18 shall provide any information on the Website. We do not knowingly collect personal information from children under 13 in compliance with the Children’s Online Privacy Protection Act (“COPPA”).

Please take a moment to read this Privacy Policy carefully. If there are any terms in this Privacy Policy that you do not agree with, please discontinue using our Website immediately. By using our Website, you agree to our collection, use, and disclosure of information under this Privacy Policy.

INFORMATION WE MAY COLLECT

We may collect several types of information from and about you, including:

Personal data you give us directly(e.g. name, address, email, telephone number, Website account information) when you fill out a form, engage our services, apply for employment, or contact us through our Website;
Personal data we collect from other sources, i.e., information from our trusted business partners and third-party reporting services; and
Cookie information when you visit our Website; depending on your tracking preferences, the information we collect may include but not be limited to your Internet Protocol (IP) address, device information, source website, pages visited, and time stamps.

HOW WE USE YOUR INFORMATION

Communication purposes:

Respond to requests and inquiries;
Send alerts, updates, account notices, and administrative communications;
Provide information requested or that we think might be of interest about a particular Curi service;
Send product or service recommendations and other non-transactional communications; and
Improve our customer service and internal training.

Managing our Website:

To present and manage our Website and their contents;
Enhance Website functionality and understand user behavior;
Personalize experience and offer interactive features;
Identify digital trends and deliver relevant content; and
Ensure network security and enhance protection against network abuse.

Providing services:

To perform a contract, including billing and collection;
Authenticate identities of individuals contacting us;
Enable customer service and support;
Investigate suspicious activities or unauthorized access; and
To manage our business needs to fulfill any other reasonable purpose identified by you.

THE INFORMATION WE MAY DISCLOSE

We may disclose your information:

To our subsidiaries and affiliates;
To contractors, service providers, and other third parties we use to support our business;
To advertisers, ad networks, advertising partners, and ad measurement providers (to bring you more relevant ads and report on the effectiveness of ad campaigns); and
To persons or organizations as necessary to perform transactions or provide services you request or authorize.

We may also disclose your Information for permitted purposes, including:

To fulfill the purpose for which you provide it, i.e., to process your inquiry for reporting a claim, your request to verify coverage and your premium payments;
To enforce or apply our Terms of Use, any malpractice insurance policy, non-disclosure agreement, and other agreements, including for billing and collection purposes,
To comply with a court order, law, or legal process, including responding to any government, regulatory, or law enforcement request;
To defend our legal rights or protect our employees or customers;
To further a business transaction involving the sale of all of or a portion of our business or assets, in which case we will comply with applicable laws regarding notice and consent in such transfers; and
To prevent fraud and reduce credit risk.

We may use, retain and disclose aggregated information that does not identify an individual.

COOKIES AND OTHER TRACKING TECHNOLOGIES

Cookies, pixel tags, and similar technologies (collectively “Cookies”) are files containing small amounts of information downloaded to any internet-enabled device when you visit a website.

We use cookies to make our Website easier to use, to deliver a personalized experience, and to better tailor our products, services, and our Website to your interests and needs. Cookies are used to help speed up your future activities and your experience on our Website. Some Cookies also technically enable our Website and their components and security measures.

We also use Third-Party Cookies. Our partners may set cookies on your device on our behalf when you visit our Website to allow them to provide behavioral advertising and re-marketing analytics. These Cookies enable individual and specific advertising within their domains. We may have third parties collect your personal information this way.

When visiting our Websites, you will be presented with a Cookie banner in which you can customize your preferences among the below Cookie categories:

Strictly necessary: provide the service, application, or other necessary functionalities on the Website;
Functional: provide enhanced performance for some Website features and resources, and at times, a greater level of personalization in the user experience;
Performance: provide quantitative measurements regarding the Website and its resource usage and allocations pertinent to troubleshooting and analytics; and
Targeting: provide and enable behavioral advertising and re-marketing data.

Please note that restriction of certain Cookie categories may impact your interaction with certain features or overall experience on the Website.

Lastly, if you send Curi Websites a Global Privacy Control (“GPC”) signal through your browser, the Website will honor the request and display the same on the Cookie banner.

RETENTION

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and enforce our agreements.

SECURITY

We have implemented reasonable technical, organizational, and administrative measures to secure your personal information from accidental loss and unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for appropriately selecting and protecting your password and limiting access to your device and browser to ensure it remains confidential. We ask you not to share your password with anyone.

THIRD-PARTY LINKS

Our Website may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other websites. We encourage our users to be aware when they leave our Website and to read the privacy statements of any other website that collects your personal information.

CHANGES TO OUR PRIVACY POLICY

We may modify our privacy policy from time to time. The most recent version is always posted at curi.com. When we make changes, we will revise the “Last Updated” date at the top of this policy.

CONTACTING US

If there are any questions regarding this Privacy Policy, you may contact us by mailing us at Curi Holdings, Inc., Attention: Chief Legal Officer, P.O. Box 98028, Raleigh, NC 27624.

Depending on your jurisdiction, you may have more specific or additional rights regarding your personal information, including: (1) accessing and updating your information; (2) requesting deletion of your data; and (3) opting out of marketing communications. To exercise these rights, please contact: Corporatecompliance@curi.com

Accessibility Statement

Curi is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility standards. Despite our best efforts to ensure accessibility of Curi.com, there may be some limitations.

We aim to respond to accessibility feedback within 10 business days, and to propose a solution within 30 business days. You are entitled to escalate a complaint to the national authority, should you be dissatisfied with our response to you.

We welcome your feedback on the accessibility of the Curi.com. Please let us know if you encounter accessibility barriers on Curi.com: Contact Us.

Code of Conduct and Ethics for Business Partners

Effective 1/1/25

INTRODUCTION
Curi is committed to maintaining an ethical workplace and complying with the laws and regulations governing our organization. We are committed to applying high standards of ethics and business conduct where we operate and with our business relationships with our vendors and service providers (our “Business Partners”).

In delivering on our mission, Curi relies on Business Partners to share our commitment to achieving the highest standards of service, quality, excellence, ethics, safety, legal compliance, and respect for human rights.

To help you understand our expectations and your obligations as a Curi Business Partner, we developed this Vendor Code of Conduct and Ethics (the “Code”). We expect our Business Partners to understand and comply with this Code and the guiding principles behind our corporate values while conducting with and on behalf of Curi or any of its subsidiary companies (collectively, “Curi”).

This Code is not an exhaustive list of policies, laws, or regulations. The Code provides guidance and policy statements to Business Partners about the general business conduct expected by Curi.
BUSINESS BEHAVIORS
1. Cooperation: Curi expects all Business Partners to cooperate with our compliance requests and obligations, including the expectation that all individuals representing our Business Partners understand and comply with this Code.
2. Comply with ethical business principles: Curi expects all Business Partners will conduct their business and activities with integrity and according to their obligations under their agreement(s) with Curi. We recognize that Business Partners will have internal codes of conduct that will share and overlap with the principles of Curi’s Code, our expectation is that Business Partners will also comply with this Code.
3. Mutual respect: Curi believes in maintaining a productive work environment free of harassment. We treat each other with respect and do not commit or tolerate harassment in any form, including sexual harassment. Curi expects our Business Partners to also prohibit harassment by or against anyone involved in our operations, including employees, independent sales associates, and others working on behalf or with Curi and our Business Partners. We expect our Business Partners to follow these principles and cooperate with Curi in maintaining its commitment to a workplace free of harassment.
4. Data and property: Curi expects our Business Partners to act responsibly to protect our physical and intellectual assets. This includes Curi-provided information technology, platforms, and systems, when authorized by Curi to use such assets. We expect Business Partners to uphold contractual responsibilities and to exercise care to avoid exposing Curi’s assets to loss, theft, or damage, and to promptly report any data security events.
5. Comply with applicable laws and regulations: As a threshold requirement, we expect Business Partners to comply with laws and regulations of the countries where they are located and where they do business, as well as the laws of jurisdictions that apply to work done for Curi. Curi expects Business Partners to require that any individual who represents or appears to represent them comply with the same laws and regulations that govern each Business Partner.
HONESTY AND TRUSTWORTHINESS
1. Maintain complete and accurate business records: Curi expects Business Partners will maintain honest and accurate books and records of business information that comply with reasonable standards of accounting. Any required reports supplied to Curi must be complete and may not hide or disguise any pertinent information.
2. Contractual requirements: This Code complements and does not replace the agreement or contract Business Partners have with Curi. Curi expects Business Partners to comply with the terms of any applicable contract or agreement. In addition to the terms of such contract or agreement, Curi expects Business Partners will comply with all global anti-bribery laws (including but not limited to the US Foreign Corrupt Practices Act), industry-specific laws and regulations governing Business Partners; and laws and regulations on data security, artificial intelligence and privacy pertaining to any Curi data shared with Business Partner.
3. Anti-corruption: Curi does not tolerate bribery or corruption in any form and Business Partners may not directly or indirectly offer, promise, or authorize the giving of anything of value for an improper reason. Curi also does not permit or sanction facilitating payments, regardless of local custom or practice. Business Partners may not engage in or allow embezzlement, money-laundering, extortion, bribes, kickbacks or reciprocity, or other forms of corruption in connection with their relationship with Curi. Curi expects all Business Partners to comply with all anti- corruption and global trade compliance laws and regulations, including but not limited to the USA Patriot Act and the Office of Foreign Asset Controls regulations.
4. Fair Competition: Curi is committed to integrity in our marketplace and expects its Business Partners to comply with all applicable antitrust and fair competition laws by avoiding any conduct that would unlawfully restrain competitors. Compliance with fair competition laws requires careful avoidance of price-fixing, collusion, predatory pricing, harassing competitors, and stealing trade secrets.
5. Conflict of Interest: A conflict of interest may occur when an individual’s personal or private interests interfere or appear to interfere with their professional judgment or commitment to business interests. Curi expects Business Partners to avoid giving the appearance of or engaging in any actual improper conduct and/or conflicts of interest.
6. Gifts and entertainment: Curi’s approach to Business Partner relationships is straightforward. We expect a competitive price for the products and services offered. While we value strong business relationships, we view the offer of lavish gifts and personal favors from Business Partners as interfering with our goal of securing the best deal for Curi and can lead to actual or an appearance of undue influence and possibly interfere with sound business judgment. Curi has a gifts and entertainment policy that applies to all team members on accepting anything of monetary value. We expect our Business Partners to exercise respect our policies and to use good judgment and moderation when offering gifts or entertainment to Curi team members.
EMPLOYMENT AND ENVIRONMENTAL PRACTICES
1. Harassment: At Curi, we believe in maintaining a productive work environment free of harassment. We treat each other with respect and do not commit or tolerate harassment in any form, including sexual harassment. We prohibit harassment by or against anyone involved in our operations, including employees, independent sales associates, Business Partners, and any other third party working with Curi team members. We expect our Business Partners, whether operating on Curi premises or other location, to follow these principles and cooperate with Curi in maintaining its commitment to a workplace free of harassment.
2. Discrimination: Curi is committed to creating an inclusive work environment of mutual respect, diverse backgrounds, ethnicities, cultures, beliefs, and experiences that is free from discrimination, harassment, and intimidation. We expect the same of our Business Partners. We expect Business Partners to comply with laws prohibiting discrimination based on a person’s race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity, veteran status or any other status protected by applicable law.
3. Human Rights: Curi expects its Business Partners to follow applicable wage and hour laws and to comply with working age laws and requirements. We take seriously our responsibility to remain alert for any risks to human rights and to ensure that our business practices, and those of our Business Partners do not foster or support slavery or human trafficking.
4. Safety: Curi expects Business Partners to respect our commitment to a safe workplace free of health and safety hazards. We do not tolerate threats, intimidation, aggression, or violent behavior of any kind.
5. Environment: Curi expects our Business Partners to comply with environmental laws.

This Code is a guide for our Business Partners about covering general business conduct Curi expects. If you have any questions, or believe an individual has violated this Code, please contact us.

You can make a report online at: ETHIX360
You can email your concern to: Corporatecompliance@curi.com
Send a letter to:

Curi Corporate Compliance, 700 Spring Forest Rd, Suite 400, Raleigh, NC 27609

Curi Advisory

Curi Capital

Curi Insurance