Terms & Conditions

Terms of Use and Privacy Policy

Terms of Use

The Terms of Use (or "TOU") is an agreement between you and Reliance Health Management Organization. ("RelianceHMO"). They are rules you agree to follow when using our mobile applications and websites (the "Apps"), including when you ask questions and when you view or input content on or into the Apps, and they are contained in these TOU.

Why Should I Read It?

When you sign up for RelianceHMO you verify that you've read and agree to our Terms of Use when using the Apps.

These Terms of Use are an Agreement. Generally, this agreement governs your use of the Apps. Other terms may apply to your use of a specific portion of our Apps. If there is a conflict between these TOU and terms posted for a specific portion of our websites, the latter terms apply to your use of that portion of our Apps.

We May Update this Agreement.

These Terms of Use may change. Because your use of RelianceHMO means you agree to these Terms of Use, if we revise and update these Terms of Use, your continued use of RelianceHMO will mean that you accept those changes. You choose whether or not you use RelianceHMO. If you do not agree to all of these Terms of Use, please do not use RelianceHMO.

To clarify what this document means, certain words with capital letters will be defined. Here are the definitions for this agreement:

  • "RelianceHMO" or the "Apps" means www.reliancehmo.com and related web sites and RelianceHMO’s mobile applications, including RelianceHMO and RelianceHMO for Doctors.
  • "Company", "We," "us," or "our" means Reliance Health Management Organization and any other companies that are subsidiaries and affiliates of Reliance Health Management Organization. When used in the context of the company name, "RelianceHMO" may also refer to Reliance Health Management Organization.
  • "Content" means text, graphics, images and any other material entered, processed, contained on or accessed through the Apps.
  • "Services" means services provided through the Apps.
  • "Medical Expert" means an individual accepted to participate in the RelianceHMO Doctors Network and who participates on the Apps or interacts with others on or through the Apps, or other specialists or professionals who participate on RelianceHMO in their capacity as experts.


What We Do and What We Don’t Do

We Do Support Your Health Decisions and Choices

RelianceHMO is designed to support the health decisions and choices that you make. These decisions and choices are yours, and we believe that you, in connection with the advice you receive from your doctor or other professional healthcare provider, are the best decision maker about your health. You should always use common sense when making health decisions, and they should be made in consultation with your doctor. RelianceHMO cannot make decisions for you. What we can do is help you find good health information and connect with doctors for in-person care. On RelianceHMO you can ask and find informational questions and related educational answers and tips by Medical Experts. RelianceHMO is not a place for the practice of medicine, but Medical Experts on RelianceHMO can be a resource for reliable, relevant general health information. We hope these services will be of value to you. Please use them responsibly.

No Doctor Patient Relationship

The use of RelianceHMO does not create a doctor-patient relationship. RelianceHMO contains Content, and may help you identify services or may offer services. Everything on RelianceHMO, including Content accessed or Services provided through RelianceHMO, are for your information, and should be used for informational purposes only. This means that Content and Services are not a substitute for medical advice, diagnosis, treatment, or care from your doctor.

Whenever we use the words "your doctor" or "your doctor" or "healthcare provider" or similar words on RelianceHMO, including in these Terms of Use, we mean your personal doctor with whom you have of an actual, mutually acknowledged, doctor-patient relationship (or the same kind of formal, real-world relationship between you and your personal professional healthcare provider) within Nigeria. RelianceHMO MEDICAL EXPERTS ARE NOT "YOUR" DOCTOR OR HEALTHCARE PROVIDER. Even if your real life doctor is on RelianceHMO, personal medical advice, treatment or diagnosis are not permitted through RelianceHMO, and by using RelianceHMO you agree not to solicit these or use any information as if it were personal advice, treatment, or diagnosis. This applies both to public interactions on RelianceHMO as well as to Private Conversations. Whenever you want personal medical advice, treatment, or diagnosis, you should contact your doctor or professional healthcare provider and see them in person.

On RelianceHMO you can connect privately with a doctor for an online consultation through our Chat With A Doctor feature. This interaction does not constitute the practice of medicine and consultations cannot be used for providing a medical diagnosis or a physical examination, prescriptions, or treatments. Go see your doctor in person if you are looking for a prescription, or for diagnosis or treatment. You can use RelianceHMO for second opinions.

Do not use RelianceHMO in a medical emergency, or for diagnosis or treatment.

Do not use RelianceHMO or Content or Services to diagnose or treat a medical condition.

Do not use RelianceHMO or Content or Services in a potential or actual medical emergency

Consult your doctor

Consult your doctor or your healthcare provider if you have any questions about a symptom or a medical condition, and before starting or stopping any treatment directed by your doctor or your healthcare provider, or before taking any drug or changing your diet.




Independence of RelianceHMO Medical Experts

RelianceHMO Medical Experts and professionals or specialists utilizing or featured on RelianceHMO are not employees or independent contractor service providers of RelianceHMO. Any opinions, advice, or information expressed by any such individuals are those of the individual and the individual alone and they do not reflect the opinions of RelianceHMO. RelianceHMO does not recommend or endorse any specific tests, doctors, products, procedures, opinions, or other information that may be mentioned on RelianceHMO or by a licensee of RelianceHMO.

The inclusion of professionals and specialists on RelianceHMO or in any professional directory on RelianceHMO does not imply recommendation or endorsement of such professional nor is such information intended as a tool for verifying the credentials, qualifications, or abilities of any professional contained therein. SUCH INFORMATION IS PROVIDED ON AN "AS-IS" BASIS AND RelianceHMO DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE. RelianceHMO SHALL IN NO EVENT BE LIABLE TO YOU OR TO ANYONE FOR ANY DECISION MADE OR ACTION TAKEN BY ANY PARTY (INCLUDING, WITHOUT LIMITATION, ANY USER) IN RELIANCE ON INFORMATION ABOUT PROFESSIONALS AND SPECIALISTS ON RelianceHMO. The use of RelianceHMO by any entity or individual to verify the credentials of professionals or specialists is prohibited.

All opinions and statements expressed RelianceHMO Medical Experts on or through RelianceHMO are solely the individual and independent opinions and statements of such individuals and do not reflect the opinions of RelianceHMO, its affiliates or any other organizations or institutions to which such RelianceHMO Medical Expert or such specialist or professional is affiliated or provides services.

Children's Privacy

We are committed to protecting the privacy of children. RelianceHMO is not intended or designed for children under the age of 13. We do not collect personally identifiable information from any person we actually know is a child under the age of 13. Registered adult users of RelianceHMO may ask questions about or for children.

Your Account and Your Use of RelianceHMO

You are responsible for your account: keep your password and real name private. Accurate and complete registration information is required to use RelianceHMO. All members are encouraged to use password common sense: safeguard your log in password, pick a password that cannot be guessed by others, keep it private, and periodically change it. You are responsible for the security of your passwords and for any use of your account. Please immediately notify us of any unauthorized use of your password or account. As a part of registration you will create a profile with a Public Profile Name. Like your password, if you wish to remain anonymous, use common sense: safeguard your Public Profile Name, pick a name that cannot be guessed by others, and keep it private. Allowing any other person or entity to use your identity for posting on or using RelianceHMO is not permitted. Do not include your real name or any other information that could be used to identify you in anything you post on RelianceHMO, including questions, comments, or other submissions.

Your use must be legal and you must be an adult to use the RelianceHMO. Your use of RelianceHMO and any Content and Services must comply with all applicable federal and state laws, regulations, and ordinances. Currently, you must be at least 16 years old to use RelianceHMO.


When you register as a member, you agree that RelianceHMO may send notices to you by push notification or by email, sms or voice call at the email address and phone number you provide when you register. We have a No-Spam policy. We do not sell or distribute the email addresses of our users.

RelianceHMO is a Free Service That Offers Paid Services

RelianceHMO is a free service, which also offers paid services. It’s free to ask health questions on RelianceHMO. RelianceHMO also provides for a category of premium, optional Services and Content or Apps that can be accessed for a small fee. ("Premium Services" and "Premium Content", respectively) All such Premium Content and Services are clearly identified as such. We will never ask you for your payment information unless you indicate that you would like to use a paid service

Content and Services

RelianceHMO is for personal use. RelianceHMO is a service for individuals to use to support their personal health decisions. You may use RelianceHMO for personal, but not for commercial, purposes. Organizations, companies, and businesses may not become registered members or use our Apps through individual members. Licensed doctors and other qualified medical experts may apply to participate on RelianceHMO for educational purposes as Medical Experts on our RelianceHMO Doctors Network. We authorize you to view or download the Content and use the Services solely for your personal, noncommercial use in accordance with all applicable federal, state and local laws. The Content is licensed only for the personal, household, and educational use of a single individual. An individual's noncommercial reuse or redistribution of any portion of the Content is permitted when that use falls within what is permitted by Nigerian Copyright law.

These laws govern general personal use of copyrighted information. No commercial use or redistribution of any Content is permitted. Any hyperlink or other re-display of the information on another website must display the Content full-screen and not within a "frame" on the linked or other site, unless expressly pre-approved and permitted by us in writing. By using RelianceHMO, you agree not to use any contact information provided by members (for example, in a private message exchange between connected members), or harvest, scrape or otherwise collect any information about our members for any reason, including but not limited to for sending unsolicited communications, including spam.

RelianceHMO may not be used for illegal purposes

The Content and Services may not be used for any illegal purpose. You may not access our networks, computers, or the Content and Services in any manner that could damage, disable, overburden, or impair them, or interfere with any other person's use and enjoyment. You may not attempt to gain unauthorized access to any Content or Services, other accounts, computer systems, or networks connected with RelianceHMO, the Content, or Services. You may not use any automated means (such as a scraper) to access RelianceHMO, the Content, or Services for any purpose. Such unauthorized access includes, but is not limited to, using another person’s login credentials to access his or her RelianceHMO account. Any attempt by any individual or entity to solicit login information of any other user or RelianceHMO Medical Expert or to access any such account is an express and direct violation of these Terms of Use and of applicable law, including relevant privacy and security laws and laws prohibiting unfair or unethical business practices.

RelianceHMO does not make recommendations or endorsements. We do not recommend or endorse any specific Content, Services, tests, doctors, products, procedures, opinions, or other information that may be mentioned on RelianceHMO. RelianceHMO is designed to be used with common sense, and in connection the advice of your doctor or your other healthcare provider. Reliance on RelianceHMO Content or Services is solely at your own risk. Some Content and Services, including posts by Medical Experts, may be or have been provided by third parties directly and are not reviewed or certified by RelianceHMO. We hope that our Content and Services will be useful, but we cannot guarantee that the Content and Services will help you achieve any specific goals or results. Content regarding dietary supplements or other treatments or regimens has not been evaluated by the National Agency for Food and Drug Administration and Control (NAFDAC) and is not intended to diagnose, treat, cure, or prevent any disease.

RelianceHMO does not guarantee the accuracy of Third Party Content

To the extent that any of the Content included on RelianceHMO is provided by third party content providers or other users, we have no editorial control or responsibility of such content appearing on RelianceHMO. Therefore, any opinions, statements, products, services or other information expressed or made available by third parties (including Medical Experts) or users on RelianceHMO are those of such third parties or users, respectively. We make no representations about the accuracy or reliability of any opinion, statement or other information provided by any third party, and do not represent or warrant that your use of the Content displayed on RelianceHMO or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with RelianceHMO.

We are not responsible for anything outside of RelianceHMO

Now or in the future, the Content and Services may link you to other websites, apps, or information, software, data, or other contents, on or off the Internet. These other sites or and contents are not RelianceHMO, and the information there is outside of our control. What does this mean? It means that we do not control, endorse, or review the content of these sites. We do not review the contents that may be reached by such links, and we are not responsible for such content. Your linking to any other pages on other sites is at your own risk. The information, software, data, or other contents (including opinions, claims, comments) contained in linked references are those of the companies responsible for such sites, and should not be attributed to us. We have not attempted to verify the truth or accuracy of any such opinion, claim, or comment, nor do we endorse or support them. We do not warrant, nor are we in any way responsible for, information, software, data, privacy policies, or other content that is outside of our control. If you violate any of these Terms of Use, your permission to use the Content and Services automatically terminates and you must immediately destroy any copies you have made of any portion of the Content. (See "Termination" below.)

International Members

We make no claim that Content or Services are appropriate or may be downloaded outside of Nigeria. Personal information ("Information") that is submitted to RelianceHMO will be collected, processed, stored, disclosed and disposed of in accordance with applicable Nigerian law and our Privacy Statement. If you are a non-Nigerian member, you acknowledge and agree that RelianceHMO may collect and use your Information and disclose it to other entities outside your resident jurisdiction. In addition, such Information may be stored on servers located outside your resident jurisdiction.

Nigerian law may not provide the degree of protection for Information that is available in other countries. By providing us with your Information, you acknowledge that you consent to the transfer of such Information outside your resident jurisdiction as detailed in our Privacy Policy. If you do not consent to such transfer, you may not use our Content or Services. The product information provided on RelianceHMO is intended only for residents of Nigeria. Products identified on this site may have different product labeling and disclosure requirements in different countries.

Property Rights

RelianceHMO owns or has rights to the Content and Services. When you use RelianceHMO, you do so under a license from us. Your license to use RelianceHMO is personal, revocable, nonassignable, and nonexclusive. This means that you may not use RelianceHMO for any commercial purpose, that we can take away your right to use RelianceHMO, that you cannot give this license away to someone else, and that other members can use our Content and Services. All right, title and interest in and to RelianceHMO and the Content, together with all intellectual property rights embodied therein (including without limitation all engagement, rating, and ranking systems and methodologies on RelianceHMO) are the property of the Company or our affiliates. Rights retained by other parties in the Content, such as our Medical Experts, are their respective rights. You must ask our permission to use our Trademarks. RelianceHMO, the RelianceHMO logo, other RelianceHMO trademarks and service marks and other RelianceHMO logos and product and service names are our trademarks (the "RelianceHMO Marks"). If you would like to use or display any RelianceHMO Marks, you must ask our permission. Without our prior written permission, or according to the terms and guidelines we will publish in a media section of the Apps, you agree not to display or use in any manner the RelianceHMO Marks. All trademarks, brands, and content on RelianceHMO are the property of their respective owners.

You agree not to infringe our Copyrights, Trademarks, Trade Secrets or other intellectual property rights.

You agree not to engage in any activity that would constitute copyright infringement with respect to the Content. You may not reproduce, create derivative works of, distribute, publicly perform or publicly display the Content or any portion thereof without our prior written consent. You may, however, use RelianceHMO as it is designed and intended to be used, including using RelianceHMO features which allow you to re-post Content or portions of Content, such as those which permit you to distribute Content through other third party applications and mediums, such as Facebook or Twitter, so long as you do not modify that Content or the functionality of those features in any way. This right to re-post Content does not create for you or grant to you any additional rights in such Content. Additionally, you may not use any metatags or any other "hidden text" utilizing the name "RelianceHMO" without our prior written permission. You agree not to access, view, or use our Data without our Permission. You agree not to access, attempt to access, request access not authorized by RelianceHMO or use any RelianceHMO data without our Permission. This means that you agree not to transmit, download, upload, post, sell, rent, license, transfer, disclose, mirror, frame, reverse engineer, decompile, disassemble, or use any aspect of RelianceHMO or any Content, in whole or in part, in any form or by any means. Contact us if you believe information on our website infringes your copyright. If you believe any materials accessible on or from RelianceHMO infringe your copyright, you may request removal of those materials (or access thereto) from us by contacting and providing us with information.

Member Submissions: Content

The personal information you submit to RelianceHMO is governed by the RelianceHMO Privacy Statement, the terms of which shall govern in the event of any inconsistency with this Agreement. You agree that you will not upload or transmit any communications or content of any type that infringes or violates any rights of any party. You understand and agree that all Content you submit to RelianceHMO, excluding any Content provided in a Premium Service, is non-confidential and may be made available on the world wide web. As a reminder public information includes, but is not limited to questions, comments, interactions and information included in your profile. Engaging in any conduct that restricts or inhibits any member's use or enjoyment of RelianceHMO, or which, in our sole judgment, exposes the Company or any of our customers, partners or suppliers to any liability or detriment of any type is prohibited

We have rules for submitting questions or posting Content on RelianceHMO. A few things you should know:

  • Only informational questions submitted for educational purposes are allowed
  • No personal health questions are permitted – you are not allowed to provide facts that give questions the impression of being patient-specific
  • Questions can describe a general situation, illustration, illness, or symptoms, but the question should withhold enough facts so that it’s clear that it’s not describing an actual, specific patient
  • There is no guarantee that any submitted question will be answered
  • Questions are answered at the sole discretion of doctors participating in our community as Medical Experts

When accessing our Premium Content and Services, including private conversations with Medical Experts you should know the following:

  • No requests for prescription, diagnosis or treatment should be made
  • Any second opinions received are not diagnosis, prescription, or treatment and are for informational purposes only
  • When you enter into a Chat with a RelianceHMO Medical Expert, that person will be able to see personally identifiable information about you– including your name and the content in your Profile.
  • There is no guarantee that any submitted question, follow up question or comment, or request for a Chat will be answered– if a question is not answered within a set period of time, a refund will be provided
  • Questions are answered at the sole discretion of doctors participating in the RelianceHMO community as Medical Experts


  • Excluding Premium Services and Content, No Individual or Specific Patient Questions. Do not post any facts that give the impression that a question is patient-specific, or are about a specific person, including you.
  • Only Adults May Post. Minors may not create their own profiles on RelianceHMO and RelianceHMO does not permit the posting of questions by persons under 13 years of age. Caregivers may post educational questions related to authorized care recipients (such as the mother posting questions about an infant).
  • No Posting of Personally Identifiable Information. Do not post name(s), email address(es), or telephone number(s), URLs, or any other confidential or personally identifiable information for you or any other person or entity on RelianceHMO.
  • No Posting for Illegal Purposes. Do not use RelianceHMO for any purpose in violation of local, state, federal, or international laws.
  • No Infringing or Impersonating Postings. Do not post material that infringes on the copyrights or other intellectual property rights of others or on the privacy or publicity rights of others; do not post impersonating another person or entity.
  • No Inappropriate Postings. Do not post material that is unlawful, obscene, derogatory, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by us in our sole discretion.
  • No Promotions or Links. Do not post advertisements or solicitations or links to other websites or individuals.
  • No Spam or Schemes. Do not post the same question more than once or "spam" the forum; no posting of chain letters or pyramid (or other) schemes.
  • No Detrimental Behavior. Engaging in any other conduct that restricts or inhibits any other person from using or enjoying the Public Area or RelianceHMO, or which, in the judgment of the Company, exposes us or any of our members, partners or suppliers to any liability or detriment of any type.

You agree to our enforcement of these Terms and Conditions and the Rules

By using (including by accessing or attempting to access) RelianceHMO you agree that we have the right (but are not obligated) to: investigate an allegation that a communication or Content does not conform to these Terms and Conditions and determine in our sole discretion to remove or request the removal of the communication or Content; remove Content (including member-submitted questions) that we determine, in our sole discretion, to be abusive, illegal, or disruptive, or that otherwise fails to conform to these Terms and Conditions; terminate a member's access to RelianceHMO upon any breach of any of these Terms and Conditions; terminate a member's access to RelianceHMO if the member's registration information and/or email address is no longer valid; and remove any communication in RelianceHMO; regardless of whether such communication violates these standards. We reserve the right to take any other action we deem necessary to protect the personal safety of our guests, visitors, and the public.

Only submit what you have a right to submit.

If you make any such submission you agree that you will not send or transmit to RelianceHMO by email, (including through the email addresses listed on the RelianceHMO)) or otherwise any communication or content that infringes or violates any rights of any party. If you submit any business information, idea, concept or invention to RelianceHMO by email or otherwise, you agree such submission is non-confidential for all purposes.

Member Submissions: Media

Only upload media that you have a right to upload. You agree to only post or upload Media (like photos) that you have taken yourself or that you have all rights to post or transmit and license, and which do not violate copyright, trademark, privacy or any other rights of any other person. Photos of celebrities and cartoon or comic images, for example, are usually copyrighted by the owner. Animated images available as avatars through RelianceHMO are licensed by RelianceHMO for your use on RelianceHMO as avatars. By uploading any media on RelianceHMO, you are representing and warranting to us that you have permission from all persons appearing in your media for you to use the media in this way, and to grant the rights described in these Terms of Use. Never post a picture with someone else unless you have his or her explicit permission.

Be a responsible and sensitive community member

It is strictly prohibited to upload media of any kind that contain expressions of hate, abuse, offensive images or conduct, obscenity, pornography, sexually explicit, medically inappropriate, or any material that could give rise to any civil or criminal liability under applicable law or regulations or that otherwise may be in conflict with these Terms and Conditions our Privacy Statement or any other RelianceHMO policy. Don’t upload any viruses or software. You agree that you will not upload any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or RelianceHMO.

You grant us a right when you upload media

We need to have the right to display the media you upload to us. By uploading any media, like a photo, (a) you grant to us a perpetual, non-exclusive, worldwide, royalty-free license to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in the media; and (b) you certify that any person pictured in the submitted media (or, if a minor, his/her parent/legal guardian) authorizes RelianceHMO to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in such media; and (c) you agree to indemnify RelianceHMO and its affiliates, directors, officers and employees and hold them harmless from any and all claims and expenses, including attorneys' fees, arising from the media and/or your failure to comply with these the terms described in this document. You understand that we can review and reject any submission. We reserve the right to review all media or any other submission prior to or after submission to the site and to remove any media or any submission for any reason, at any time, without prior notice, at our sole discretion.

Submissions: Ownership

You give us rights in what you submit. With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Policy), if you make any submissions (by email or otherwise) on, to or through RelianceHMO, including but data, questions, comments, suggestions, business information, ideas, concepts or inventions, you make such submission without any restrictions or expectation of compensation or of confidentiality, and agree that your submissions may be used without restriction for any purpose whatsoever, and you automatically grant–or warrant that the owner of such content or intellectual property has expressly granted–RelianceHMO the complete right to freely use such submissions in any way, commercial or otherwise, and for any purpose whatsoever, including the right to use, reproduce, modify, adapt, publish, transmit, translate, create derivative works from, publicly perform or display (in any media or form now known or hereafter developed), or otherwise communicate to the public, in the form of a royalty-free, perpetual, irrevocable, worldwide nonexclusive license. RelianceHMO may sublicense its rights. Such submissions will be treated as non-confidential and nonproprietary and will become the property of RelianceHMO, and RelianceHMO shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to RelianceHMO for any purpose whatsoever, including, without limitation, developing and marketing products using such information. Don’t submit anything to us if you don’t want to give us rights to it. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them on, through, or to RelianceHMO, by email or otherwise.

About RelianceHMO Medical Experts

Only Nigerian licensed doctors may apply to be and participate as Medical Experts on RelianceHMO. Doctors whose licenses are or become suspended or revoked, for any reason, are not permitted and agree not to participate in any way, including but not limited to submitting Content to RelianceHMO as a Medical Expert on RelianceHMO

Our members have a right to the privacy of their identity. RelianceHMO does not disclose personally identifiable information about our members, however you understand and agree that if you choose to enter into a Chat with a Medical Expert on RelianceHMO that personally identifiable information will be visible to that Medical Expert. You agree not to disclose personally identifiable information about other members that you encounter while using RelianceHMO (whether posted in member profiles by a member or emailed to you by a member) without the express consent of such a person. As a reminder, we prohibit commercial use of RelianceHMO, and these non-commercial use policies apply even to general (non-identifiable) information about other members.


All of our members are required to honor this Agreement. Your permission to use the Content and Services ends immediately if you violate any of the terms of this Agreement. We may place limits on, modify, or terminate your right to access and use RelianceHMO and the Services and/or Content at anytime. This suspension or termination may delete information, files, and other previously available Content.

Changes to this Agreement

Occasionally we may update these Terms of Service. When we make changes, we will revise the "last modified" date at the top of this document. We encourage you to review these terms of service periodically. Your continued use of RelianceHMO constitutes your agreement to the changed terms of service.


You agree to indemnify us and hold us harmless. You agree to indemnify and hold us harmless against any claims or losses imposed on, incurred by, or asserted as a result of or relating to: (a) your use of RelianceHMO or the Content or Services; (b) your noncompliance with any of the terms and conditions hereof; and (c) any third-party actions related to or arising from your receipt or use of RelianceHMO or the Content or Services, whether authorized or unauthorized under the Terms of Use.

Exclusion of Warranties


Limitation of Liability of RelianceHMO

We cannot and do not assume any responsibility or liability for any Content or other information you submit, or your, other members, or third parties' use or misuse of information or Content transmitted or received using our Site, our tools or our Services. The use of RelianceHMO and the Content and Services is at your own risk. The RelianceHMO Site and the Content are provided on as "as is" basis. NEITHER WE, RelianceHMO MEDICAL EXPERTS, NOR ANY OF OUR LICENSORS MAY BE HELD LIABLE UNDER THIS AGREEMENT FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES, EVEN IF THE PARTY KNOWS OR SHOULD KNOW THAT OTHER DAMAGES ARE POSSIBLE, OR THAT DIRECT DAMAGES ARE NOT A SATISFACTORY REMEDY. THE LIMITATIONS IN THIS SECTION APPLY TO YOU ONLY TO THE EXTENT THEY ARE LAWFUL IN YOUR JURISDICTION. WE DISCLSIAM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE. Specifically, and without limiting the foregoing, We, our licensors, and our suppliers, make no representations or warranties about: the accuracy, reliability, completeness, correctness, or timeliness of the Content provided on or through the use of RelianceHMO, whether by RelianceHMO or any other party; orthe satisfaction of any government regulations requiring disclosure of information on prescription drug products or he approval or compliance of any software tools with regard to the Content contained on RelianceHMO.

Specific Limitation of Liability Regarding Expert Content

Content on the site created, submitted or validated by Medical Experts or other healthcare experts on RelianceHMO (collectively, "Expert Content") are subject to the following additional terms and conditions. (When we use the term Content elsewhere in this TOU, this term includes Expert Content.) The authors or third party posting such content ("Posters") are solely responsible for their content. While we hope that you will find the Expert Content informative and educational, neither we nor the Poster make any representations or warranties with respect to any information offered or provided within or through the Expert Content regarding treatment of medical conditions, action, or application of medication. Posters are solely responsible for their content. Under no circumstances, as a result of your use of the Expert Content or this Site, will the Expert Content Poster or such Poster's employer or sponsor be liable to you or to any other person for any damages or harm–including any direct, indirect, special, incidental, exemplary, consequential or other damages under any legal theory, including, without limitation, tort, contract, strict liability or otherwise, even if advised of the possibility of such damages. Without limiting the generality of the foregoing, the Poster (and such Poster's employer and/or sponsor) shall have absolutely no liability in connection with RelianceHMO for: (a) any loss or injury caused, in whole or in part, by the Poster's actions, omissions, or negligence, in procuring, compiling, or delivering information within or through Expert Content; (b) any errors, omissions, or inaccuracies in such information regardless of how caused, or delays or interruptions in delivery of such information; or (c) any decision made or action taken or not taken in reliance upon such information. This means you should not rely on the Expert Content or make medical or other important decisions based on it, and it also means that the Posters are not responsible for what you do or don't do with the Content. For medical advice, treatment, or diagnosis, see your personal doctor or expert healthcare provider. You agree to indemnify and hold the Poster (and the Poster's employer and/or sponsor) harmless from any claim or demand, including attorneys' fees, made by any third party as a result of (1) any content posted or made available by you through Expert Content, (2) any violation of law that occurs by you through your use of Expert Content or this Site, and/or (3) anything you do using Expert Content, this Site and/or the information contained therein. NEITHER US, THE MEDICAL EXPERTS ON RelianceHMO, NOR ANY OF OUR LICENSORS MAY BE HELD LIABLE UNDER THIS AGREEMENT FOR ANY AMOUNT. RelianceHMO, its licensors, its suppliers, or any third parties mentioned on RelianceHMO are not liable for any personal injury, including death, attributable to or caused by your use or misuse of RelianceHMO or Content (including member supplied Content or Medical Expert supplied Content). Any claims arising in connection with your use of RelianceHMO or any Content must be brought within one (1) year of the first date of the event giving rise to such action. Remedies under these Terms and Conditions are exclusive and are limited to those expressly provided for in these Terms and Conditions. The limitations of liability in this section do not apply to breaches of intellectual property provisions by you or your indemnification obligations relating hereunder.



Licensed Content

Certain Content may be licensed from third-parties. The licenses for some of this Content may contain additional terms. When such Content licenses contain additional terms, we will make these terms available to you on those pages, in the Terms of Use or in the Additional Information section of our Site (which his incorporated herein by reference).

General Legal Terms

This Agreement, and the other agreements referenced in it (like our Privacy Policy), is the entire agreement between you and us relating to RelianceHMO. This Agreement replaces any prior agreements unless such prior or subsequent agreement explicitly provides otherwise and specifically references this agreement. If there is any conflict between this agreement and a mutually signed written agreement between you and us related to RelianceHMO, the signed written agreement will control.

Other parties may have rights under this agreement

A "third party beneficiary" is another party (for example, a company) who is not directly mentioned in an agreement, but who may have some rights arising out of an agreement. Our licensors may be third party beneficiaries to this Agreement pursuant to our agreements with them. To the extent our licensors are third party beneficiaries to this Agreement, the rights and protections provided to us under this Agreement inure to their benefit. Other than these licensors, there are no other third party beneficiaries to this Agreement. The parties are independent contractors, and nothing in this agreement creates an agency, partnership, or joint venture.

If we provide you with a translation of the English language version of this agreement, the English language version of this agreement will control if there is any conflict. If we choose not to enforce any provision of this Agreement, we still keep the right to enforce it in the future. This means that the failure to enforce any provision of this Agreement does not constitute a waiver of that provision. If any provision in this Agreement is found to be unenforceable, it and any related provisions will be interpreted to best accomplish the unenforceable provision's essential purpose.

This agreement is governed by laws of the Federal Republic of Nigeria. THE EXCLUSIVE VENUE FOR ANY DISPUTE RELATING TO THIS AGREEMENT IS NIGERIA. YOU AND US CONSENT TO THE PERSONAL JURISDICTION OF THESE COURTS. Nothing in this agreement limits either party's ability to seek equitable relief.

RelianceHMO is a registered Trademark of RelianceHMO Reliance Health Management Organization. Any other trademark, brand, or content on RelianceHMO that is not the property of RelianceHMO is the property of its respective owner.

Privacy and Security

At RelianceHMO we believe in the power and benefits of better health information. When patients and doctors come together, we can learn from one and another in engaging ways that are simply not possible when we’re looking for health information alone. Because online sharing in health is a new concept, you should be comfortable and confident that you can share securely and privately. This is why on RelianceHMO you can ask health questions and explore health information without also sharing your personal identity. We call this "secure sharing."

How does it work? When you share health information on RelianceHMO, only you know who you are. Your identity is protected. Our community receives the value of learning from your questions and the information you choose to share, and you benefit from the secure sharing of others in our community. You can personalize your questions without revealing who you are. Your personal information and identity are not even shown to doctors, unless you request a Chat With A Doctor. Some members will choose to participate on RelianceHMO under their actual names, but this is always a voluntary choice.

Your Identity is Private

  • Your real name is kept private (and shown only to a doctor if you enter into a Chat With A Doctor)
  • Personally Identifiable Information is not visible to other users on the site
  • Our privacy protection standards are best of class in our industry

We are Secure

  • We provide Bank-Level Security and encryption
  • Verification is required to reset a password

More on Secure Sharing While Remaining Private

Sharing in a safe and secure setting benefits both you and all community participants by allowing everyone to learn in new ways. By properly choosing and safeguarding your unique online RelianceHMO name, you are anonymous when you share information with our community.

Here are some of the ways we have designed this system with you in mind:

  • Your real name or other Personally Identifiable Information are not revealed to other RelianceHMO users
  • You can update and delete information in your Profile at any time
  • Members are automatically logged out of RelianceHMO after a short period of inactivity

Tips for Sharing While Staying Secure

Here are some tips about how to stay private and share securely:

  • Here are some tips about how to stay private and share securely:
  • Don’t reveal Personally Identifiable Information to other RelianceHMO members (for example, don’t post Personally Identifiable Information on the site, such as in a question or comment)
  • Don’t leave an active RelianceHMO session unattended

Our Privacy Principles, Privacy Constitution & Member Bill of Rights

RelianceHMO’s Governing Privacy Principles

We believe that trusted health information from doctors leads to better decisions. We also believe that securely sharing health questions and information can change the way we understand and manage our well-being, and can redefine personal health.

We take your privacy and security very seriously. That’s why we have a Privacy Constitution, consisting of our pledge to you and your rights. This Constitution helps guide our decisions about privacy and security, and secures your rights as a member of our service.

If you have any suggestions for how we can improve your privacy experience on RelianceHMO, please let us know.

RelianceHMO’s Privacy Constitution & Member Bill of Rights

Our Pledge to You:

We are here to help you find useful answers and health information from trusted doctors to help you make better decisions about your health and well-being. We ask only for data that can help us provide this service to you, and to use the data provided to improve your experience on our service.

We let you decide what you want to share. Other than the information requested at sign up, you are not required to share any information with us to use RelianceHMO

We will keep the personal information that you provide to us safe and secure. Our data security meets or exceeds industry standards. We use technology, policies, and conduct, together with a privacy-centered company culture, to ensure that your data is safe with us. We won’t sell your personally identifiable information.

Your Rights:

You control your privacy. Our experience is designed to keep your information anonymous and secure.

You can edit or delete any personal information that you add to your account and Profile. Sharing is a matter of personal choice. You share what you want, when you want, and sharing is not required to use RelianceHMO. You have the right to know what Personally Identifiable Information we collect and how it is used.