Terms & Conditions

Terms & Conditions

Effective: 29 May 2026
Last updated: 29 May 2026

These Terms and Conditions ("Terms") set out the basis on which you may access and use the website at lumitalk.ph (the "Platform") operated by Lumitalk ("Lumitalk," "we," "us," or "our"), and the telehealth services and medication delivery programs we provide.

By using the Platform or any of our services, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

These Terms apply alongside our Privacy Policy, which describes how we handle your personal information in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173).

1. About Lumitalk

Lumitalk operates a telehealth platform in the Philippines. We connect patients with licensed Filipino physicians for consultation, prescription, and ongoing care for medically-supervised programs. Medications are dispensed by licensed compounding pharmacies or licensed retailers under physician order, in accordance with applicable Philippine law.

Lumitalk is not itself a dispensing pharmacy and does not manufacture, store, or directly distribute medications. We operate as a technology platform that connects patients to licensed healthcare providers and dispensing partners.

2. Eligibility

To use the Platform, you must be of legal age and capacity, a resident of the Philippines, and able to provide accurate information about your identity, health, and contact details.

We may refuse service or terminate access to any user for reasons permitted by law.

3. Assessment and Consultation

3.1. Before any medication is dispensed, you must complete an online health assessment reviewed by a licensed Filipino physician.

3.2. The physician determines whether the requested treatment is clinically appropriate in their independent professional judgment. The physician may approve, decline, or request additional consultation.

3.3. The physician's prescription decision is a clinical judgment. Lumitalk does not override clinical determinations.

4. Programs and Pricing

4.1. Prices displayed on the Platform are in Philippine Pesos and are subject to change. The price displayed at the time of order placement is the price you pay for that order.

4.2. Prices include applicable taxes unless otherwise indicated.

5. Payment

5.1. We accept the payment methods made available at checkout. Payment instructions will be provided to you after you place your order.

5.2. You agree to include your order number as the payment reference and to send proof of payment to our care team via the channels we make available.

5.3. We will verify your payment within a reasonable time and confirm your order accordingly.

5.4. Where a payment method requires a partial advance payment (such as cash on delivery with a downpayment component), the terms that apply to that method will be disclosed at checkout and will apply to your order.

5.5. We may cancel any order for which payment cannot be verified within a reasonable period.

6. Delivery

6.1. We ship through licensed Philippine courier service providers. Delivery timelines are good-faith estimates and may vary based on location, courier capacity, weather events, or other circumstances beyond our control.

6.2. Risk of loss transfers to you upon delivery to the address you provided. Once the courier confirms delivery to the address on file, the risk of loss, damage, or theft passes to you.

6.3. You are responsible for providing a complete and accurate delivery address. If a package is returned due to an incorrect or incomplete address, you may be responsible for re-delivery costs.

6.4. Please inspect your parcel upon delivery. If the package is visibly damaged or tampered with, refuse the delivery and contact our care team.

7. Refunds and Cancellations

7.1. You may cancel your order and request a full refund at any time before the assigned physician begins reviewing your assessment.

7.2. Once a physician begins consultation or a prescription is approved, payments become non-refundable. Compounded medications are prepared specifically for your order and cannot be resold. Branded medications dispensed under physician order are also non-refundable for chain-of-custody and clinical-safety reasons.

7.3. Where a payment method involves a partial advance payment, that advance payment may be non-refundable if you refuse delivery or otherwise cause the order to be unable to complete. The specific terms that apply will be disclosed at checkout.

7.4. Where a refund is approved, we will process it within a reasonable time. Bank or e-wallet processing times may add additional delay.

7.5. If you experience an adverse reaction to a medication, contact your physician immediately and, for severe symptoms, seek emergency medical care. Refund eligibility for adverse-reaction cases is evaluated in consultation with your physician.

8. Medical Disclaimer

8.1. The Platform is not an emergency medical service. For medical emergencies, call Philippine emergency services or go to the nearest emergency room.

8.2. Information on the Platform is for general informational purposes and does not constitute medical advice. Always consult your physician for individualized medical advice.

8.3. Treatment outcomes vary by individual. Clinical statistics cited on the Platform reflect study averages, not individual guarantees.

8.4. Lumitalk does not practice medicine. The physicians on our Platform are independent contractors providing clinical judgment under their own licenses.

9. Your Responsibilities

You agree to:

  • Provide truthful, accurate, and complete information in your assessment and at all interactions with Lumitalk or partner physicians
  • Disclose all relevant medical history, current medications, allergies, and conditions to your physician
  • Use medications only as prescribed by your physician
  • Not transfer, resell, or distribute medications obtained through Lumitalk
  • Store medications according to instructions
  • Notify Lumitalk and your physician of any adverse reaction or unexpected symptom
  • Comply with all applicable Philippine laws

10. Acceptable Use

You agree not to:

  • Use the Platform for any unlawful purpose
  • Attempt to gain unauthorized access to the Platform or our infrastructure
  • Submit false, fraudulent, or misleading information
  • Use the Platform to harass, abuse, or harm others
  • Interfere with the Platform's operation or security
  • Use automated tools to access the Platform without our written permission

We may suspend or terminate your access for any violation of these Terms.

11. Limitation of Liability

11.1. To the maximum extent permitted by Philippine law, Lumitalk and its officers, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the Platform or services.

11.2. Lumitalk's total aggregate liability arising from any single order is limited to the amount you paid for that order.

11.3. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under Philippine law.

12. Privacy

Your use of the Platform is also governed by our Privacy Policy. By using the Platform, you acknowledge that you have read and understood it.

13. Termination

13.1. We may suspend or terminate your access to the Platform for reasons permitted by law, including violation of these Terms.

13.2. On termination, we may retain records as required by law or for legitimate clinical, regulatory, or operational purposes. See the Privacy Policy.

13.3. To request deletion of your records, contact privacy@lumitalk.ph. Some data may be retained as required by applicable Philippine law.

14. Modifications to These Terms

We may revise these Terms from time to time. The most recent version is always available at this page; the "Last updated" date below reflects the effective date. Your continued use of the Platform constitutes acceptance of any changes.

15. Governing Law and Dispute Resolution

15.1. These Terms are governed by the laws of the Republic of the Philippines.

15.2. Any dispute arising from these Terms or your use of the Platform shall be resolved in the proper courts of the Philippines, unless an alternative venue is required by law.

15.3. Before any formal legal action, you agree to contact us at support@lumitalk.ph to attempt informal resolution.

16. Contact

For questions about these Terms:

Last updated: May 29, 2026