1. Introduction

These Terms of Membership & Platform Use (“Terms”) govern access to and use of the Lime Mutual platform, including membership, contributions, claim submissions, and reimbursements.

By registering for an account or becoming a member, you agree to comply with these Terms.

2. Nature of the Platform

Lime Mutual operates as a community health cost-sharing platform that allows members to contribute funds to a shared pool used to reimburse eligible healthcare expenses.

Lime Mutual:

• is not an insurance company
• does not provide insurance policies
• does not guarantee reimbursement

Reimbursements depend on:

• the health of the community pool
• the number and size of claims
• the platform’s reimbursement rules

3. Membership Eligibility

To become a member, users must:

• provide accurate personal information
• meet applicable geographic eligibility requirements
• maintain an active account
• comply with identity verification requirements where applicable

Lime Mutual reserves the right to approve or reject membership applications.

4. Member Contributions

Members contribute a monthly amount determined by their selected plan or tier.

Contributions:

• are used to support the community pool
• are not premiums for insurance
• do not guarantee reimbursement

Members must ensure their payment methods remain valid and up to date.

Late or missed payments may result in:

• suspension of membership
• loss of eligibility for reimbursement

5. Community Pool Mechanics

Member contributions are aggregated into a community pool used to reimburse eligible claims.

Pool metrics such as liquidity, claim exposure, and reimbursement ratios are calculated periodically through platform processes and recorded through system snapshots.

The platform may include additional support mechanisms such as:

• founder support contributions
• stability reserves (STR)
• long-term reserves (LTR)

These mechanisms aim to stabilize the pool but do not guarantee reimbursement outcomes.

6. Claims & Reimbursement Rules

Members may submit claims for eligible healthcare expenses according to the platform’s policies.

Claims must include:

• accurate documentation
• valid proof of service
• necessary supporting records

Claims are subject to review and approval.

Reimbursements depend on:

• claim eligibility
• available pool liquidity
• the reimbursement ratio applicable at the time of settlement

7. Monthly Settlement Process

Claims approved during a given period may be settled through periodic reimbursement cycles.

At the end of each calendar month, the platform may generate a month-end snapshot of the pool state.

This snapshot may serve as the reference point for calculating reimbursement allocations for that month.

8. Member Responsibilities

Members agree to:

• provide truthful information
• submit legitimate claims
• comply with platform rules
• avoid fraudulent or abusive behavior

Providing false information or submitting fraudulent claims may result in:

• account suspension
• termination of membership
• claim denial
• potential legal action

9. Suspension or Termination

Lime Mutual may suspend or terminate membership for reasons including:

• non-payment
• fraudulent activity
• violation of platform rules
• abuse of the claims system

Termination may result in loss of access to the platform.

10. Platform Governance

Lime Mutual may update platform rules, policies, or operational procedures as necessary.

Members may be notified of significant updates through the platform or by email.

Continued use of the platform after updates constitutes acceptance of the revised terms.

11. Disclaimer of Insurance

Lime Mutual does not provide insurance coverage.

Participation in the platform does not constitute the purchase of an insurance policy.

Reimbursements are not guaranteed and depend on the available resources of the community pool.

12. Limitation of Liability

To the maximum extent permitted by law, Lime Mutual and its operators are not liable for:

• indirect or consequential damages
• reimbursement outcomes influenced by pool conditions
• service interruptions outside reasonable control

13. Governing Law

These Terms are governed by the laws applicable in the jurisdiction in which Lime Mutual operates.

14. Contact

Questions about these Terms may be submitted through the platform’s Support page.