Ideal Privileges, LLC dba Eddy · Platform Terms of Use (EddyCore)
IDEAL PRIVILEGES, LLC dba EDDY
PLATFORM TERMS OF USE
For Organizational Users of EddyCore
Effective Date: August 26, 2026
These Terms apply to staff and other authorized users who log into EddyCore on behalf of an Eddy client organization.
They do not replace the Master Services Agreement between Eddy and that organization. Separate terms apply to
providers using EddyOne.
Ideal Privileges, LLC dba Eddy (“Eddy”) provides software and services for healthcare provider
credentialing, payer enrollment, and related administration. EddyCore is Eddy’s web-based platform for client
organizations (including the current platform and any AI-native successor platform Eddy designates).
PLEASE READ THESE PLATFORM TERMS OF USE CAREFULLY BEFORE USING
EDDYCORE.

1. ACCEPTANCE OF TERMS
   These Platform Terms of Use, as amended from time to time, together with the Ideal Privileges, LLC dba
   Eddy Privacy Policy and any service-specific terms (collectively, these “Terms”), are a legal agreement
   between Eddy and you, the individual who accesses EddyCore (“you” or “your”).
   By logging into EddyCore or otherwise using the platform, you agree to these Terms. If you do not agree, do
   not use EddyCore.
   You are responsible for reviewing these Terms periodically. Eddy may modify these Terms at any time.
   Modifications are effective when posted on the Sites or presented at login. Your continued use of EddyCore
   after a change constitutes acceptance of the updated Terms. You may not modify these Terms by sending
   Eddy a message or by any other means; any attempted modification by you is void.

2. RELATIONSHIP TO THE ORGANIZATION AGREEMENT
   “Organization” means the hospital, health system, medical group, MSO, CVO, or other Eddy client that
   authorized your access to EddyCore.
   The commercial relationship for software access, credentialing and enrollment services, fees, service levels,
   and HIPAA obligations is between Eddy and the Organization under the Master Services Agreement (and any
   Business Associate Agreement, order form, or migration agreement) (the “Organization Agreement”).
   These Terms govern your individual use of EddyCore. They do not make you a party to the Organization
   Agreement and do not give you a personal subscription. If these Terms conflict with the Organization
   Agreement, the Organization Agreement controls as between Eddy and the Organization. If the conflict
   concerns PHI, the Business Associate Agreement controls. These Terms control your personal obligations as a
   user.

3. ELIGIBILITY AND AUTHORITY
   You must be at least 18 years of age to use EddyCore. By using EddyCore, you represent and warrant that: (a)
   you are 18 or older; (b) the Organization has authorized you to access EddyCore in your role (for example, as
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   credentialing, enrollment, medical staff, or administrative personnel); (c) you will use EddyCore only for the
   Organization’s legitimate credentialing, enrollment, and related administrative purposes; (d) information you
   submit is, to your knowledge, truthful and accurate, and you will maintain it; and (e) your use does not violate
   applicable law or the Organization’s policies.
   You are not granted access to another organization’s data, and you are not granted access to a provider’s
   independent EddyOne profile except as the Organization Agreement and the provider’s own permissions
   allow.

4. USER ACCOUNTS
   Access to EddyCore requires a user account (“Account”) issued or approved by the Organization or by Eddy
   at the Organization’s request. You agree to provide current, complete, true, and accurate information and to
   update it when it changes.
   Eddy may suspend, terminate, modify, or delete your Account with or without notice if you violate these
   Terms, if the Organization requests it, if the Organization Agreement ends or is suspended, or if Eddy
   reasonably believes the Account presents a security, privacy, or operational risk.
   If you choose or are assigned a username, it must not infringe others’ rights, be offensive or misleading,
   impersonate another person or an Eddy representative, or otherwise violate these Terms. Eddy may change or
   remove a username at any time.
   YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR
   PASSWORD AND FOR ALL ACTIVITY ON YOUR ACCOUNT, WHETHER OR NOT
   AUTHORIZED BY YOU. You may not share your Account. You may not use another person’s Account.
   Notify Eddy and the Organization immediately of any unauthorized use or other security breach, and provide
   reasonably requested documentation. Eddy is not liable for loss arising from someone else using your
   password or Account. You are responsible for losses Eddy or another party incurs because someone else used
   your Account or password.
   You (or the Organization) are responsible for obtaining and maintaining the devices, network access, and
   browsers needed to use EddyCore and for all related charges.
   Eddy may change or discontinue a feature of EddyCore, including AI-assisted features, as provided in the
   Organization Agreement. Eddy is not liable to you personally for termination, suspension, change, or
   discontinuance of access. Refunds, if any, are a matter between Eddy and the Organization under the
   Organization Agreement, not a personal credit to you.

5. LICENSE
   Subject to these Terms and the Organization Agreement, Eddy grants you a limited, non-exclusive,
   non-transferable, revocable license to access and use EddyCore solely on behalf of the Organization and
   solely to receive the benefit of the Services the Organization has purchased. The license ends when your
   Account ends, when the Organization Agreement ends, or when Eddy or the Organization revokes your
   access.
   EddyCore, including the software, interfaces, documentation, models, workflows, and Eddy Content, remains
   Eddy’s property (or that of Eddy’s licensors). These Terms do not transfer any ownership to you.
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6. DATA AND OWNERSHIP
   Capitalized terms used here and not defined have the meaning given in the Privacy Policy, including “Eddy
   Content,” “Content,” “Personal Information,” “Third Party Data,” “User Submitted Data,” and “Client Data.”
   (a) Organization and Client Data.
   Provider files, enrollment records, documents, reports, and other Client Data in EddyCore are held for the
   Organization. You do not acquire ownership of Client Data by entering, editing, or viewing it. You may use
   Client Data only as needed to perform your job for the Organization and only within EddyCore or as the
   Organization directs.
   (b) User Submitted Data.
   You represent that you have the Organization’s authority to submit the User Submitted Data you enter,
   including prompts typed into AI-assisted features. Eddy does not claim ownership of User Submitted Data
   that belongs to you or the Organization. Eddy owns the platform, Eddy Content, and aggregated or
   de-identified performance data as described in the Privacy Policy and the Organization Agreement.
   You grant Eddy a non-exclusive license to host, process, transmit, display, and otherwise use User Submitted
   Data as needed to provide the Services, maintain security and audit trails, and comply with law and the
   Organization Agreement, including the Privacy Policy.
   (c) Eddy Content.
   All Eddy Content is the property of Eddy and/or its licensors. Feedback or ideas you submit about the
   Services become Eddy Content. Eddy may remove any Content that it determines violates law, infringes
   rights, or is otherwise inappropriate.
   (d) No personal exploitation of platform data.
   You may not copy, export, sell, or use Client Data or Content for a personal business, for another employer, or
   for any purpose other than the Organization’s authorized use of the Services, except as the Organization
   expressly permits or as required by law.

7. ARTIFICIAL INTELLIGENCE FEATURES
   EddyCore may include AI-assisted features such as conversational reporting, intelligent workflow routing and
   status tracking, and document or field extraction. Those features are part of the Services. They use a private
   large language model implementation hosted on secured servers in the United States. Client Data, User
   Submitted Data, PHI, and prompts are processed inside that private implementation and are not shared with
   public or consumer AI services for those parties’ own use or training. Eddy does not use Client Data, prompts,
   uploaded documents, or AI outputs to train foundation models. Eddy may use performance-related data and
   user feedback to operate and generally improve the Services, as described in the Privacy Policy.
   (a) Assistive use only.
   AI outputs are drafts and assistance. They are not legal advice, clinical advice, primary-source verification, or
   a payer’s approval or denial. You must review AI-generated reports, extracts, routing suggestions, and other
   outputs before you rely on them to make or document a credentialing or enrollment decision, or before you
   submit information to a payer or other third party.
   (b) Prompts.
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   Prompts, queries, and instructions you type into AI features are User Submitted Data and Client Data. Do not
   enter information the Organization has not authorized you to process in EddyCore. Do not paste unrelated
   patient clinical notes or other content that is not needed for the credentialing or enrollment work you are
   performing. Do not attempt to use AI features to access another organization’s data or to circumvent access
   controls.
   (c) Human responsibility.
   You remain responsible for the accuracy of data you enter and for decisions you make using EddyCore,
   including decisions made after reviewing an AI output. The Organization remains responsible to third parties
   for its credentialing and enrollment determinations, except as otherwise provided in the Organization
   Agreement for Eddy-performed CVO or enrollment services.

8. ACCEPTABLE USE
   You may not use EddyCore, and you may not use AI features, in any manner that:
   (a) is unlawful, or that promotes or conceals unlawful activity;
   (b) posts or stores information that is incomplete, false, or not authorized by the Organization, except as you
   are correcting an error in good faith;
   (c) accesses data not intended for you, another user’s Account, or another organization’s tenant;
   (d) shares credentials, probes or tests security without Eddy’s written authorization, or attempts to bypass
   access controls;
   (e) introduces viruses, malware, or other harmful code;
   (f) reverse engineers, decompiles, or disassembles EddyCore, the private LLM implementation, or Eddy
   Content;
   (g) scrapes, harvests, or bulk-exports data except through export functions Eddy provides to the Organization;
   (h) uses EddyCore or AI outputs to provide services to a third party other than the Organization;
   (i) uses AI features for clinical decision-making or any purpose other than healthcare administration within
   the scope of the Services;
   (j) overloads, disrupts, or interferes with the platform or other users;
   (k) removes proprietary notices; frames or mirrors EddyCore; or
   (l) violates the Rules of Conduct in Section 9.
   Any use in violation of this Section or Section 6 is an infringement of Eddy’s rights in addition to a breach of
   these Terms.

9. RULES OF CONDUCT
   By way of example and not limitation, you may not use EddyCore to:
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   (a) defame, abuse, harass, stalk, threaten, or violate the privacy or publicity rights of others;
   (b) upload material that is harmful, obscene, hateful, or otherwise objectionable in a workplace
   healthcare-administration system;
   (c) send spam, chain letters, or unsolicited commercial messages;
   (d) advertise or sell goods or services unrelated to the Organization’s use of EddyCore;
   (e) attempt to obtain another user’s password or private information;
   (f) make false reports to Eddy administrators;
   (g) use EddyCore for fraudulent credentialing, enrollment, or other transactions;
   (h) forge headers or interfere with network security; or
   (i) run unauthorized automation or third-party software designed to modify EddyCore.

10. PRIVACY AND SECURITY
    User Submitted Data and Client Data are used as described in these Terms and in Eddy’s Privacy Policy,
    which is incorporated into these Terms. If you do not agree to the Privacy Policy, do not use EddyCore.
    Eddy uses encryption in transit, encryption of PHI fields, and a customized access system, as described in the
    Privacy Policy. Eddy does not guarantee that your use of EddyCore will be free of all security risk. You must
    follow the Organization’s security policies, protect your credentials, lock your session when leaving a
    workstation, and use EddyCore only on systems the Organization has approved.
    Where Eddy creates, receives, maintains, or transmits PHI for the Organization, the Business Associate
    Agreement between Eddy and the Organization governs that PHI.

11. COMMUNICATIONS
    By using EddyCore with the email address the Organization provides, you understand that Eddy may send
    operational messages about the Services, including expiration reminders, security notices, product changes,
    and training related to the platform. Marketing messages, if any, may be declined as described in the Privacy
    Policy. Operational messages required to provide the Services are not marketing.

12. JURISDICTIONAL ISSUES AND EXPORT CONTROL
    EddyCore is controlled and operated by Eddy from the United States. Eddy makes no representation that the
    platform is appropriate for use in every other location. If you access EddyCore from another location, you do
    so on your own initiative and are responsible for local law.
    You agree to abide by applicable export control laws and not to transfer Content subject to those laws to a
    prohibited destination without required authorization. You represent that you are not located in, under the
    control of, or a national or resident of any country or on any list to which U.S. export restrictions apply in a
    way that would prohibit your use of EddyCore.
    ,Ideal Privileges, LLC dba Eddy · Platform Terms of Use (EddyCore)

13. SUSPENSION AND TERMINATION
    These Terms are effective until terminated. Eddy may terminate these Terms and your Account as set forth in
    Section 4. The Organization may also revoke your access at any time.
    You may stop using EddyCore at any time. To request that Eddy close your individual Account, email
    support@eddynow.com with the subject line “Account Termination,” your full name, the Organization’s
    name, and your work email. Eddy will confirm with the Organization as needed. Closing your Account does
    not delete the Organization’s Client Data.
    Sections 5, 6, 7, 8, 10, 13, 15, 16, 17, and 18 survive termination.

14. LINKS TO THIRD-PARTY SITES
    EddyCore may link to third-party sites (“Linked Sites”), including payer portals or primary-source sites.
    Linked Sites are not controlled by Eddy. Eddy is not responsible for their content, practices, or privacy
    policies and does not endorse them. Your use of Linked Sites is at your own risk and subject to those sites’
    terms.

15. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
    YOU EXPRESSLY AGREE THAT YOUR USE OF EDDYCORE, THE SERVICES, AI FEATURES, AND
    CONTENT IS AT YOUR SOLE RISK. EDDYCORE, THE SERVICES, AI FEATURES, AND CONTENT
    ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES. EDDY
    DISCLAIMS ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING
    ANY WARRANTIES OF QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A
    PARTICULAR PURPOSE, NONINFRINGEMENT, ACCURACY OF AI OUTPUTS, OR
    UNINTERRUPTED OR ERROR-FREE OPERATION, INCLUDING AS TO ANY SERVICES PROVIDED
    BY A THIRD PARTY.
    AI OUTPUTS MAY BE INCOMPLETE, OUT OF DATE, OR INCORRECT. EDDY DOES NOT
    WARRANT THAT AN AI-GENERATED REPORT, EXTRACT, OR SUGGESTION IS SUFFICIENT FOR
    A CREDENTIALING FILE, ENROLLMENT SUBMISSION, OR REGULATORY REQUIREMENT
    WITHOUT HUMAN REVIEW.
    IN NO EVENT SHALL EDDY, ITS AGENTS OR SUBCONTRACTORS, OR OTHER USERS OF THE
    SERVICES BE LIABLE TO YOU UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY,
    OR OTHER LEGAL THEORY FOR LOST PROFITS, LOST REVENUES, LOST BUSINESS
    OPPORTUNITIES, OR EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, INDIRECT, OR
    CONSEQUENTIAL DAMAGES, WHETHER OR NOT FORESEEABLE AND WHETHER OR NOT
    ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT
    ALLOW CERTAIN LIMITATIONS, IN THOSE JURISDICTIONS LIABILITY IS LIMITED TO THE
    FULLEST EXTENT PERMITTED BY LAW.
    NOTWITHSTANDING ANYTHING IN THESE TERMS TO THE CONTRARY, EDDY’S CUMULATIVE
    LIABILITY TO YOU PERSONALLY FOR ALL CLAIMS ARISING OUT OF THESE TERMS OR YOUR
    USE OF EDDYCORE SHALL NOT EXCEED ONE THOUSAND DOLLARS ($1,000). THIS LIMIT IS
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    PERSONAL TO YOU AS A USER. LIABILITY AS BETWEEN EDDY AND THE ORGANIZATION IS
    GOVERNED EXCLUSIVELY BY THE ORGANIZATION AGREEMENT.

16. INDEMNITY
    You agree to defend, indemnify, and hold harmless Eddy and its directors, officers, employees, agents,
    shareholders, licensors, and representatives from and against claims, losses, liabilities, damages, costs, and
    expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of EddyCore other
    than as authorized by the Organization and these Terms; (b) any violation of these Terms by you or through
    your Account; or (c) any allegation that material you submit infringes or otherwise violates a third party’s
    rights, except to the extent the claim arises from Eddy’s unauthorized use of that material.

17. GOVERNING LAW
    These Terms, and any dispute arising from your use of EddyCore, are governed by the laws of the State of
    Texas, without regard to conflict-of-law principles and without regard to the United Nations Convention on
    Contracts for the International Sale of Goods. You submit to the exclusive jurisdiction of the state and federal
    courts sitting in Texas, and you waive any objection to personal jurisdiction in those courts, except that Eddy
    may seek injunctive or similar relief in any court of competent jurisdiction.

18. DISPUTE RESOLUTION
    Any claim you may have arising out of these Terms or your use of EddyCore must be commenced within one
    (1) year after the claim arose. Disputes between you and Eddy that involve a claim of less than $100,000 shall
    be resolved exclusively through binding non-appearance-based arbitration. A party electing arbitration shall
    file an arbitration demand with the American Arbitration Association (AAA). The proceedings shall be
    governed by the AAA Commercial Arbitration Rules. The following rules also apply: (a) the arbitration shall
    be conducted, at the option of the party seeking relief, by telephone, online, or based solely on written
    submissions; (b) the arbitration shall not involve a personal appearance by the parties or witnesses unless the
    parties mutually agree; and (c) any judgment on the award may be entered in any court of competent
    jurisdiction.
    This Section does not limit Eddy’s enforcement of the Organization Agreement against the Organization, and
    it does not require the Organization to arbitrate claims that the Organization Agreement says belong in court.

19. GENERAL
    Assignment.
    Eddy may assign these Terms, in whole or in part, at any time. You may not assign, transfer, or sublicense
    these Terms or your Account without Eddy’s prior written consent.
    Waiver.
    Eddy’s failure to exercise or enforce any right under these Terms is not a waiver of that right.
    Notice.
    Notices to you may be made by posting in EddyCore, by email to the address on your Account, or by mail, at
    Eddy’s discretion. Notices of changes to these Terms may be displayed in the platform or provided by link.
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    Severability.
    If any part of these Terms is held invalid or unenforceable, including any warranty disclaimer or liability
    limitation, that part will be deemed replaced by a valid provision that most closely matches the original intent,
    and the remainder of these Terms will continue in effect.
    Entire agreement as to you.
    These Terms, the Privacy Policy, and any in-product notices presented to you are the entire agreement
    between you and Eddy regarding your individual use of EddyCore. They do not amend the Organization
    Agreement.

20. NOTICE FOR CALIFORNIA USERS
    Under California Civil Code Section 1789.3, California users are entitled to the following consumer-rights
    notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of
    Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N-112, Sacramento,
    California 95834, or by telephone at (800) 952-5210. Eddy may be contacted at the address and email in
    Section 21.

21. CONTACT
    Questions about these Terms may be sent to support@eddynow.com. Ideal Privileges, LLC dba Eddy, PO Box
    43112, Seven Points, Texas 75143.