Terms of Service

These Terms of Service (Terms) which include a consent to electronic communications, govern your access to and use of this website (www.carrumhealth.com) and associated mobile app (collectively the Site). The Site is owned and maintained by Carrum Health, Inc. (Carrum Health). Your use of the Site constitutes your acceptance and agreement to the Terms and the Carrum Health Privacy Policy (Privacy Policy). If you do not agree with these Terms or the Privacy Policy, please do not use the Site. Carrum Health reserves the right to revise, modify or amend these Terms or the Privacy Policy at any time by updating this posting and you agree to be bound by such revision, modification or amendment.


Carrum Health retains full copyright ownership, rights and protection in all material contained on the Site (including all software, code, or business methods). Any unauthorized use may violate copyright, trademark, and other laws. Unless otherwise stated, no material on this site is in the public domain. You may download, copy, reproduce, redistribute, republish, display, post, or transmit material on this Site only if expressly permitted, and then only the designated material. Carrum Health in no way represents or warrants that your use of materials displayed on this Site does not infringe the rights of third parties.

Links to Other Websites

The Site may contain links to third-party websites or services that are not owned or controlled by Carrum Health. Carrum Health has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Carrum health shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Use, Account Registration, and Unauthorized Use

You may use the Site solely for your own personal, non-commercial use. If you are registering on behalf of your covered dependent, you may use the Site for their own personal, non-commercial use. To access certain features of the Site, you will have to create an account via the website at www.carrumhealth.com or the Carrum Health mobile app. You must provide us with accurate and complete information for your account, and update as needed. You are responsible for protecting your account username and password, and for all activities that occur under your account. You should immediately notify us of any unauthorized use of your account. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. Carrum Health is not responsible for any loss or damage if you do not protect your account or your personal information.

Information and material from this Site are only to be used for lawful purposes. Information and material from this Site and any other website owned, operated, licensed, or controlled by Carrum Health or any of its related or affiliated companies may not be copied or distributed, or republished, uploaded, posted, or transmitted in any way, without the prior written consent of Carrum Health EXCEPT as expressly permitted in this paragraph. Modification or use of the information or materials for any other purpose violates the intellectual property rights of Carrum Health.

You may transmit messages to Carrum Health through your use of the Site. You agree that you will not include in your message any content that is unlawful, defamatory, libelous, obscene, invasive of the privacy of another person, threatening, harassing, abusive, hateful, ethnically, racially or otherwise offensive or illegal or that infringes any intellectual property right of a third party. You further agree that you will not misrepresent an affiliation with any person or organization. You agree that you will not include in your message any software, files or links to other sites or content that you are under a contractual obligation to keep private.We reserve the right to monitor any and all messages sent to or through this Site. We also reserve the right, in our sole discretion, to revoke the use privileges of any user who violates our Terms and Conditions.

Participant Responsibilities and Obligations

While using the Site you may register an account and receive health care services from health care providers that have contracted with Carrum Health on behalf of your health plan to provide medical services. In order to support our health care providers’ ability to coordinate appropriate care, Carrum Health requires that you agree to abide by the following responsibilities and obligations:

  • Understand and comprehend the importance of following medical instructions, including without limitation pre- and post-operative care instructions and recommendations. Failure to follow medical instructions and recommendations may result in additional services that are not covered through Carrum Health and may result in additional financial responsibility on your behalf.

  • Communicate with your doctor or health care provider when you do not understand information or medical instructions or recommendations.

  • Communicate with your doctor or health care provider about any pre- or post-operative changes in your condition.

  • Treat with respect the health care providers involved in your care.

  • Follow any and all internal rules in effect at Carrum Health provider facilities.

  • Understand that you may have financial responsibility for the care you receive and agree that you will be able to meet your financial responsibilities.

Electronic Communications

You agree that Carrum Health may send the following to you by email or by posting them on our website and mobile application: legal disclosures; these Terms; Carrum Health Privacy Policy; future changes to any of the foregoing; and other notices, policies, communications or disclosures and information related to the Site or services you receive through Carrum Health. You agree that Carrum Health may contact you via email, phone, text, or mail regarding services you receive through Carrum Health. You consent to receive such communications electronically. You agree to update your contact information to ensure accuracy. Your consent to conduct actions electronically covers all interactions between you and Carrum Health.

If you later decide that you do not want to receive certain future communications electronically, please send an email to marketing@carrumhealth.com or a letter to Carrum Health, Inc. 611 Gateway Blvd, Suite 120, South San Francisco, CA 94080. You may also opt out of certain electronic communications by following the unsubscribe instructions in any communication you receive from Carrum Health. Your withdrawal of consent will be effective within a reasonable time after we receive your withdrawal notice described above.

Carrum Health may need to send you certain communications electronically regarding the services you receive through Carrum Health. You will not be able to opt out of those communications – e.g., communications regarding updates to the Terms or information about billing. Your withdrawal of consent will not affect the legal validity or enforceability of the Terms provided to and accepted by, you. If you withdraw your consent to receive communications electronically, certain services may become unavailable to you.

Medical and Legal Disclaimer

The information presented on the Site should not be construed as personal medical advice or instruction. All information provided by Carrum Health is for informational purposes only.

Carrum Health does not provide medical services, procedures, or medical advice. The information provided by the Site is not intended to replace medical advice offered by physicians. You should always consult appropriate health professionals on any matter relating to your health.

The information provided here is believed to be accurate and sound, based on the best information available to Carrum Health, but users who fail to consult appropriate health professionals or who do not comply with health recommendations from appropriate health professionals shall assume the risk of any injuries. Carrum Health will not be liable for any direct, indirect, consequential, special, exemplary, or other damages arising therefrom.

Carrum Health is not responsible for any errors or omissions.

Limitation of Warranty and Liability

The information and materials in this Site could include technical inaccuracies or typographical errors. Carrum Health may make changes or improvements at any time.


In no event shall Carrum Health be liable for any damages whatsoever (including, without limitation, health problems, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the Site or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the Site and its content, whether based on warranty, contract, tort or any other legal theory and whether or not Carrum Health is advised of the possibility of such damages.

The descriptions of Carrum Health products or services contained in the Site are not offers to sell or solicitations for any product or service. The descriptions of products and services contained on the Site are offered as a convenience and do not contain all of the terms, conditions, limitations and exclusions that may be applicable.

Indemnification by User

You agree to indemnify, defend and hold Carrum Health and its affiliates, business partners, officers, directors, employees and agents harmless from any loss, liability, claim, demand, damage, or expense (including reasonable legal and accounting fees) asserted by any third party relating in any way to your use of the Site or breach of these Terms and Conditions. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, which shall not excuse your indemnity obligations.

Governing Law and Jurisdiction

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of California, without reference to its choice of law rules. By accessing, viewing, or using the material on the Site, you consent to the jurisdiction of the federal and state courts presiding in San Francisco, CA, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. We make no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. If you choose to access this website from other locations, you are responsible for compliance with applicable local laws.


If any part of these Terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Possible evidence of use of this Site for illegal purposes may be provided to law enforcement authorities in the sole discretion of Carrum Health. These Terms contain the entire agreement between the parties relating to the use of this Site. The Site may describe products and services which are not available worldwide.


If you have any questions or concerns about the Site or these Terms, please feel free to contact us.

Effective Date: June 2020