Website Terms and Conditions

You must be at least 18 years old to use this Website. By accessing or using it, you represent and warrant that you meet this requirement. Use by anyone under 18 is unauthorized and a violation of these T&C.

This Website and all of its content are provided for educational and informational purposes only. This Website and all of its content are provided for general educational and informational purposes only. Educational information provided through articles, newsletters, videos, webinars, podcasts, downloadable resources, social media, emails, and other online content is intended solely for general educational purposes.

Use of this Website alone does not create a physician-patient relationship or any other healthcare provider-patient relationship. Medical care is provided only through a separate clinical relationship established during a scheduled telemedicine consultation, subject to applicable laws, informed consent, and Skin Harmony MD practice policies.

Medical knowledge continually evolves. Educational content on this Website reflects the available evidence and clinical judgment at the time of publication but may change as new scientific evidence emerges.

We have no affiliations with hospitals, clinics, or other healthcare businesses.

Neither Monique Kamaria Chheda, M.D. nor anyone associated with Skin Harmony MD provides individualized medical advice, diagnosis, or treatment through general website content, newsletters, blog posts, social media, downloadable resources, courses, webinars, or other educational materials.

You should not rely on any information on this Website as a substitute for advice from your own physician, nurse practitioner, physician assistant, therapist, counselor, licensed dietitian, nutritionist, or other licensed healthcare professional. Do not disregard or delay seeking professional medical advice because of anything you have read here. Do not start or stop any medication without first consulting your own healthcare provider.

Statements regarding dietary supplements, botanicals, vitamins, nutritional products, skincare products, and other non-prescription products discussed on this Website or made available through affiliated vendors have not been evaluated by the U.S. Food and Drug Administration unless expressly stated. Such products are not intended to diagnose, treat, cure, or prevent any disease.

Medical outcomes depend on individual factors. We cannot predict or guarantee any particular result, whether added benefit or avoidance of harm. Each person's results will differ. Visitors and clients agree to assume the risk of any changes they choose to make based on information provided.

Telemedicine services are provided only where permitted by applicable state law and only after a physician-patient relationship has been established. Skin Harmony MD offers telemedicine services for eligible adult patients who are physically located in Maryland, Virginia, or the District of Columbia at the time of the telehealth visit.

Video conferencing technology can limit or affect the scope of telehealth visits because your practitioner cannot perform a physical examination or may miss certain signs and symptoms that would be apparent during an in-person visit. Clinical staff may only have the health information you provide during the telehealth service and may not have access to your full medical record. Telehealth may also limit the medications that can be prescribed due to clinical necessity or legal restrictions. The telehealth visit may not achieve the same scope as an in-person visit and may be discontinued if videoconferencing connections are not adequate for the situation, or if other arrangements or referrals would better serve your needs. Potential risks of this technology include interruptions, unauthorized access, and technical difficulties. The alternatives to a telehealth visit will be discussed prior to or during the call, as appropriate. Patients will be advised about the use of photos, use of prior medical records and information security prior to video-conferencing.

Testimonials on this Website reflect the experiences of actual clients. They are provided for illustrative purposes only and do not guarantee that you will achieve the same or similar results.

Nothing on this Website constitutes legal, financial, tax, or business advice. We are not your lawyer, accountant, or financial advisor. Consult qualified professionals for advice specific to your situation. Nothing on this Website constitutes legal, financial, tax, insurance, or business advice. Any discussion of payment, insurance reimbursement, superbills, or third-party services is provided for general informational purposes only. You are responsible for consulting qualified professionals regarding your own legal, financial, tax, insurance, or business questions.

We are not responsible for your health, financial outcomes, business decisions, or any results arising from your use of information on this Website.

All content on this Website — including text, design, graphics, images, data, and other materials ("Content") — is owned by us or our licensors and is protected by United States copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable, non-transferable, personal, non-commercial license to access and use the Website and its Content. Under this license you may:

Print or download one copy of individual pages for your own personal, non-commercial use, provided you include full attribution, preserve all copyright and trademark notices, and include a link back to the source page if used electronically.

You may not:

• Copy, reproduce, distribute, sell, modify, create derivative works from, or exploit any Content without our prior written permission.
• Represent our Content as your own or claim ownership of it.
• Use our trademarks or logos without our prior written permission.
• Frame or inline link our Content without our prior written permission.

You may not use, reproduce, scrape, download, copy, or otherwise use any Content from this Website to train, fine-tune, develop, or improve any artificial intelligence system, machine learning model, large language model, or similar technology without our prior written permission.

You may link to this Website provided your link does not imply any sponsorship, endorsement, or affiliation with us. All rights not expressly granted are reserved.

Requests for permission to use our Content should be submitted through the Contact Us form on this Website or by emailing [email protected] before any such use.

By submitting any content to this Website (comments, photos, videos, or other contributions), you represent that you own or have the right to submit that content and that you are at least 18 years old. You grant us an unlimited, royalty-free, perpetual, irrevocable, worldwide license to use, copy, modify, distribute, display, and create derivative works from your submission for any purpose, without compensation to you. We may identify you as the author of your submission. We have the right, but not the obligation, to use or remove any submission at any time.

Courses, templates, forms, webinars, digital products, and free downloadable resources available through this Website are licensed to you for your personal or internal business use only. You may not resell, redistribute, create derivative works from, or use them as the basis for competing products or services without our prior written consent. Educational materials, downloadable resources, and courses are licensed solely for the purchaser's or recipient's individual use and may not be copied, shared, distributed, republished, uploaded, or incorporated into other educational or commercial products without our written permission.

You agree to use this Website only for lawful purposes. You may not:

• Use the Website for any fraudulent, illegal, or unauthorized purpose.
• Post or transmit content that is offensive, defamatory, obscene, threatening, or that infringes any third-party rights.
• Upload viruses, malware, or other harmful code.
• Harvest email addresses or other personal information without consent.
• Impersonate any person or entity.
• Engage in spam, chain letters, pyramid schemes, or unsolicited commercial solicitation.
• Interfere with the operation or security of the Website.

You are solely responsible for all content you submit and all activity under your account.

This Website may offer forums, comment sections, or other interactive features ("Communication Services"). We do not monitor these services but reserve the right to review, remove, or edit any content and to terminate your access at any time without notice. We may disclose any content or communications as required by law, regulation, or court order.

Messages submitted through this Website are not monitored continuously and should not be used for urgent medical concerns or emergencies.

We are not responsible for the content or conduct of other users in any Communication Service. Exercise caution before sharing personal information in any public forum.

Electronic communications you send to us — including emails — do not create a contractual or business relationship. We will take reasonable steps to protect the confidentiality of such communications but cannot guarantee their security and may be required to disclose them pursuant to a court order.

If you subscribe to push alerts or email alerts through the Website, you are solely responsible for any message or data charges that may apply.

This Website may contain links to third-party websites. These links are provided for convenience only and do not constitute our endorsement of those sites or their content. We have no control over third-party websites and are not responsible for their content, accuracy, or practices. You should review the terms and privacy policies of any third-party site you visit.

We may participate in affiliate relationships and receive compensation when you purchase products or services through links on this Website. While products have been selected for their properties, clients/patients of Monique Kamaria Chheda, M.D. are not required to purchase products from her affiliated vendors. We only promote products and services we respect, but we make no guarantees regarding third-party products and are not responsible for any issues arising from third-party purchases. Direct any concerns about a third-party purchase to the relevant merchant.

Any recommendations regarding supplements, skincare products, nutritional products, medical devices, or other products are provided for educational purposes. Patients are not required to purchase products through our affiliated vendors, and comparable products may be available through other sources.

We strive to recommend products that we believe are of high quality and appropriate for educational purposes based on our professional judgment. However, recommendations do not constitute guarantees regarding safety, effectiveness, or suitability for every individual.

From time to time, we may feature guest content (podcast interviews, blog posts, or other contributions). We do not control or independently verify guest content and make no representations as to its accuracy.

If you choose to subscribe to our email newsletter or other educational communications, you consent to receive educational content, updates, announcements, and information about Skin Harmony MD products and services. Subscription is voluntary, and you may unsubscribe at any time using the unsubscribe link included in our emails or by contacting us directly.

Email newsletters and other educational communications are provided solely for informational and educational purposes and do not establish a physician-patient relationship or constitute individualized medical advice.

We reserve the right to modify, suspend, discontinue, or remove any portion of this Website, including products, services, educational materials, or features, at any time without prior notice.

Portions of the educational content available on this Website may be created or assisted by artificial intelligence technologies and are reviewed prior to publication by Skin Harmony MD. Such content is intended solely for educational purposes and should not be interpreted as individualized medical advice or relied upon as a substitute for consultation with a qualified healthcare professional.

THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT ON THIS WEBSITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE EXCLUDE ALL LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ITS CONTENT — INCLUDING BUT NOT LIMITED TO BODILY INJURY, DEATH, LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER LOSS — WHETHER CAUSED BY NEGLIGENCE, BREACH OF CONTRACT, OR OTHERWISE, AND EVEN IF FORESEEABLE OR IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE ARE NOT LIABLE FOR THE CONDUCT OF ANY OTHER USER OF THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THIS WEBSITE AND ITS CONTENT IS ENTIRELY AT YOUR OWN RISK. NO RESULTS OF ANY KIND ARE GUARANTEED. INDIVIDUAL OUTCOMES VARY BASED ON FACTORS BEYOND OUR CONTROL. YOU ASSUME FULL RESPONSIBILITY FOR ANY DECISIONS YOU MAKE BASED ON INFORMATION OBTAINED FROM THIS WEBSITE.

You agree to defend, indemnify, and hold harmless Monique Kamaria Chheda, M.D. and Skin Harmony MD and its affiliates, officers, directors, employees, agents, contractors, and licensees from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of this Website; (b) your breach of these T&C; (c) any content you post or upload; or (d) any activity under your account.

You hereby release us and our affiliates from any and all claims, demands, and damages of every kind arising from or related to your use of this Website or its content, including claims related to personal injury, lost profits, business interruption, or misapplication of information. Nothing in this section is intended to waive or limit any rights that cannot legally be waived under applicable law.

All prices are in US dollars. Payment is accepted through Stripe using major credit cards and other payment methods supported by Stripe at the time of purchase. No insurance is accepted. Upon request, we will provide a receipt that you may submit to your insurer for potential reimbursement. We do not submit claims to insurance companies, guarantee reimbursement, or contact insurers on your behalf. Full payment is due at the time of your appointment.

You represent that you have the legal right to use any payment method you provide and that all billing information you supply is accurate and complete.

We reserve the right to refuse or cancel any order at any time, including where fraud or an unauthorized transaction is suspected. We are not liable for any failure to complete a transaction.

You agree to notify us in advance of any changes to your credit card information, including changes to the cardholder name, billing address, or card number. If you cancel your card, you agree to provide updated payment information before your next billing cycle.

You agree to resolve any billing dispute by first notifying us in writing and allowing fifteen (15) days for resolution before initiating a chargeback. You are responsible for any collection costs, including attorney's fees, incurred in connection with unpaid amounts or chargebacks.

Memberships are either payable in advance or upon agreeing at the time of purchase to retention by our credit card processor for regular billing upon the terms and conditions of the processor. Payment processing is provided by Stripe, which may retain cardholder data for recurring billing purposes; Skin Harmony MD does not store or access card information directly. By completing a purchase, you agree to Stripe's Terms of Service and Privacy Policy in addition to these terms. If you enroll in the Skin Harmony Foundations Program or another recurring payment program offered by Skin Harmony MD, you authorize Stripe to securely store your payment credentials and to charge your designated payment method according to the payment schedule applicable to your selected program. Authorization remains in effect until all program obligations have been satisfied or otherwise terminated in accordance with the applicable program agreement.

Enrollment in the Skin Harmony Foundations Program constitutes a commitment to the six-month program. Payment obligations, cancellation, and refund policies are governed by the applicable Program Agreement and Financial Policies. Program fees are generally non-refundable except where required by applicable law.

Skin Harmony MD data breach notification obligations apply only to data held directly by Skin Harmony MD; for processor-held data, Stripe is responsible for incident notification under their applicable policies.

The Skin Harmony Foundations Program membership must be purchased before services are rendered. Payment plans may be offered on an individual basis. New members may receive a full refund within 48 hours of purchase, provided no services have yet been rendered. You may cancel your membership at any time; any remaining sessions will be accommodated at a mutually agreed time, but no later than one year from the date of purchase.

Fees for completed medical services are non-refundable. For non-completed services, refund requests should be directed to Skin Harmony MD before initiating any chargeback with your payment card issuer.

Refund policies for digital educational products, courses, and downloadable resources will be stated on the applicable product purchase page and, unless otherwise expressly stated, are non-refundable.

Refund requests should be directed to Skin Harmony MD at least 15 days before initiating a chargeback with your payment card issuer.

Patients are financially responsible for all laboratory testing, specialty testing, supplements, medications, imaging studies, consultations, and other third-party services ordered or recommended by Skin Harmony MD.

At least forty-eight (48) business hours' notice is required for cancellation or rescheduling. Appointments cancelled with less than 48 business hours' notice and missed appointments will be subject to a $100 cancellation fee.

We may offer free trials at our discretion and may modify or cancel any free trial offer at any time without notice. Membership fees may be changed at any time, effective at the end of the then-current billing cycle. We will provide reasonable advance notice of any fee change. Your continued use of the service after the change takes effect constitutes your acceptance of the new fee.

To access certain features you may need to create an account. You agree to provide accurate, complete, and current information and to keep it up to date. You are responsible for maintaining the confidentiality of your username and password and for all activity under your account. Notify us immediately of any unauthorized access or security breach. Usernames may not be offensive, vulgar, obscene, or impersonate any other person or entity.

Purchases made through this Website are subject to these T&C. When you make a purchase, billing information you provide may be shared with our payment processor for transaction purposes. Payment processors may have separate privacy and data practices; we are not responsible for their policies. For purchases made through third-party merchants linked from this Website, your transaction is solely between you and that merchant.

Skin Harmony MD may offer digital educational products, including courses, downloadable guides, workbooks, webinars, videos, or other educational materials. These products are intended solely for educational purposes and do not establish a physician-patient relationship or constitute individualized medical advice.

Unless otherwise expressly stated, purchases of digital educational products are final and non-refundable. Access to digital products is licensed to the purchaser only and may not be copied, shared, reproduced, distributed, or resold without the prior written permission of Skin Harmony MD.

Educational products are governed by these Terms and Conditions and any additional terms presented at the time of purchase.

This Website is operated from the United States. If you access it from outside the US, you are responsible for compliance with all applicable local laws. You agree not to use this Website in any manner prohibited by applicable law.

We may suspend or terminate your access to this Website or any part of it at any time, at our sole discretion, without notice. Upon termination, the restrictions and disclaimers in these T&C continue to apply.

If any provision of these Terms and Conditions is determined to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles.

These T&C, together with our Privacy Policy, constitute the entire agreement between you and Skin Harmony MD regarding your use of this Website and supersede all prior communications or agreements on this subject. A printed version of this agreement is admissible in any legal or administrative proceeding to the same extent as other business records. The parties agree that this agreement shall be written in English.

These Terms and Conditions should be read together with our Privacy Policy, which describes how we collect, use, disclose, and safeguard information collected through this Website.

Questions, comments, or concerns about these T&C may be directed to:

Email: [email protected]