SehaTech Mobile Applications — Terms of Service

Effective date: 8 November 2026
Operator: SehaTech LLC, Egypt
Contact: [email protected]

These Terms of Service ("Terms") govern access to and use of the mobile applications published by SehaTech LLC ("SehaTech," "we," "us," or "our"), including SehaOne, SehaCash, and SehaTech for Medical Providers (together, the "Apps"), to the extent the relevant features are available in a particular App. By creating an account, accepting these Terms where prompted, or using an App, you agree to these Terms. If you do not agree, do not use the App.

1. Who may use the Apps

Some features are available only to eligible members, policyholders, beneficiaries, healthcare providers, employers, insurers, or other authorized users. Access may depend on a valid insurance policy, employer-funded program, discount program, provider agreement, or other applicable arrangement. You must provide accurate information and use only accounts and benefits you are authorized to access. If you use an App for a child or another dependent, you must have the legal authority to act for that person.

2. What the Apps do

Depending on the App, your eligibility, and the services made available to you, the Apps may help you view membership and benefit information; locate participating healthcare providers; access digital cards; request or track medical approvals, claims, or reimbursements; manage healthcare-related communications and documents; access discounts; record optional wellness information; or manage provider-facing administrative workflows. Features may be changed, suspended, or made unavailable depending on your program and other operational requirements.

3. Insurance benefits, claims, and approvals

The Apps are technology and administration channels and do not, by themselves, create insurance coverage, guarantee approval, or establish entitlement to reimbursement or payment. Coverage, exclusions, limits, co-payments, eligibility, and applicable deadlines are determined by the relevant insurance policy, funded benefit plan, discount-program rules, and agreements with the responsible insurer, employer, plan sponsor, or other payer. SehaTech may administer processes on behalf of such parties. Decisions shown in an App may depend on information supplied by the payer, provider, or member, and may be subject to verification and correction under the applicable arrangements.

You are responsible for submitting complete, accurate, and authentic documents and requests. Submitting a request does not guarantee approval or a particular processing time. Where applicable, complaints, disputes, and appeals will be handled through the relevant payer or program procedures and available support channels.

4. Healthcare providers and medical information

Healthcare providers are responsible for the medical services they deliver and their independent professional judgments. Provider directories, availability, prices, discounts, and network participation can change. Please confirm relevant details directly with a provider before receiving a service or incurring an expense.

The Apps are not an emergency service and do not replace professional medical advice, diagnosis, or treatment. Wellness metrics, reminders, educational materials, and other health-related information are provided for general informational or self-management purposes. Do not rely on them to make urgent medical decisions. In an emergency, contact local emergency services or seek immediate medical care. Any consultation furnished by an independent healthcare provider is subject to that provider's professional responsibilities and any applicable additional terms.

5. Accounts and security

You must protect your account credentials and devices and notify us promptly if you suspect unauthorized use. You are responsible for activity undertaken through your account to the extent permitted by law. We may require identity, membership, or provider verification and may restrict access where reasonably necessary to prevent fraud, protect users, or comply with legal and contractual duties.

6. Acceptable use

You may not use the Apps unlawfully; impersonate another person; submit fraudulent or misleading claims, prescriptions, or documents; access another person's records without authorization; interfere with system security or availability; attempt to reverse-engineer the Apps except as permitted by law; or misuse provider or member information. We may investigate suspected misuse and take proportionate action, including temporary suspension or referral to the relevant parties or authorities where legally permitted.

7. Personal and health data

We process personal information, which may include sensitive health information, in connection with the services. Our practices, purposes, recipients, retention rules, and available privacy rights are described in the applicable SehaTech Privacy Policy. Optional health-tracking features are subject to the consent and settings described in that policy. These Terms do not replace any separate notice or consent required by applicable data-protection law. To request access, correction, or deletion of data, contact us using the details below; some records may need to be retained for legal, insurance, or audit reasons.

8. Charges, discounts, and third-party services

Downloading an App does not itself establish that any healthcare service, insurance benefit, membership, or discount is free. Where fees, co-payments, subscriptions, or discount-program conditions apply, the relevant terms should be provided by the responsible service provider or program before the transaction. Any refunds or cancellations are governed by the applicable program terms and mandatory law. The Apps may link to third-party services; those parties are responsible for their own offerings and terms, and SehaTech does not control every third-party service.

9. Ownership and license

SehaTech or its licensors own the Apps and their software, content, design, and trademarks, excluding content owned by other parties. Subject to these Terms, we grant you a limited, non-exclusive, revocable, non-transferable right to use the relevant App for its intended lawful purpose while you remain authorized to do so. No ownership rights are transferred to you.

10. Availability and changes

We aim to keep the Apps available and accurate but cannot guarantee uninterrupted access or error-free content. We may update features, correct information, or perform maintenance. Important changes affecting your use will be communicated where required by law. If an App displays an incorrect coverage status, provider listing, or approval, we may correct it in accordance with the governing program terms and applicable law.

11. Responsibility and liability

To the maximum extent permitted by applicable law, SehaTech is not responsible for the independent clinical decisions, products, or services of healthcare providers, or for coverage decisions made by insurers or other payers outside SehaTech's authority. SehaTech's responsibility for its own services remains subject to applicable law and any binding contractual obligations. Nothing in these Terms limits rights or remedies that cannot lawfully be excluded, including liability for fraud, intentional misconduct, or other liability that applicable law does not permit us to restrict.

12. Suspension, termination, and records

You may stop using an App at any time. Your access may end when your eligibility, membership, or relevant agreement ends. We may suspend or terminate access for material breaches, security concerns, fraud prevention, legal requirements, or discontinuation of a service, subject to applicable law. Stopping use of an App does not automatically cancel an underlying insurance policy or benefit program, and does not necessarily require immediate deletion of records that must lawfully be retained.

13. Changes to these Terms

We may update these Terms to reflect changes in the Apps, our operations, or legal requirements. The latest version will be posted on a publicly available page with an updated effective date. Where required, we will notify users of material changes or request renewed acceptance. Continuing to use the Apps after a legally effective update constitutes acceptance only to the extent permitted by applicable law.

14. Governing law and user protections

These Terms are governed by the laws of the Arab Republic of Egypt, subject to mandatory consumer, privacy, and other protections that apply in your country and cannot lawfully be waived. Nothing in these Terms prevents a user from exercising mandatory rights or pursuing a remedy before a competent authority or court where applicable law permits.

15. Contact and complaints

For questions about these Terms, accessibility, your account, or a service issue, contact:

SehaTech LLC
Cairo, Egypt
Email: [email protected]
Website: https://www.sehatech.org
Customer service (Egypt): 16300

For questions about coverage or a specific claim, the relevant insurer, plan sponsor, or benefits administrator may also be the appropriate contact.