Terms & Conditions

Last Updated: October 15, 2026

1. Parties

These Terms of Service (“Terms”) are between you and Renova Benefits. By accessing or using Renova Benefits, including our websites and applications (“Service” or “Platform”), you agree to these Terms. You agree that your use of the Service constitutes electronic acceptance of these Terms.

2. Definitions

3. Eligibility and Account Registration

You must be at least 18 years of age (or the age of majority in your jurisdiction) and able to form a binding contract to use the Service. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization. You agree to provide accurate registration and account information and to keep it current. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

4. Scope of Service; No Eligibility Determination; No Government Relationship

The Renova Benefits platform facilitates Medicaid recertification and benefits retention coordination. We provide administrative coordination, documentation collection and transmission, renewal tracking, and communications between members and Authorized Program Entities. Renova Benefits is not a government agency, not an eligibility determination body, not a healthcare provider, not a health plan, and not a broker. We do not determine eligibility for benefits and do not guarantee any benefit outcome. Your eligibility and benefits are determined solely by applicable programs and Authorized Program Entities.

Nothing in these Terms creates a fiduciary, agency, partnership, or joint venture relationship between you and Renova Benefits.

5. No Medical Advice; No Legal Advice; No Insurance Brokerage

The Service does not provide medical advice, legal advice, or insurance brokerage. Nothing on the Platform constitutes a recommendation for treatment, a legal opinion, or an offer to sell insurance. You should consult qualified professionals for medical, legal, or insurance matters.

6. User Obligations and Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable law or regulation
• Impersonate another person or entity, or misrepresent your affiliation
• Engage in fraud, abuse, or misuse of the Service
• Upload or transmit content that is unlawful, harmful, defamatory, or infringing
• Attempt to gain unauthorized access to the Service, other accounts, or our systems
• Use automated means (e.g., scraping, bots) to access the Service in a manner that exceeds normal use or burdens our systems
• Interfere with or disrupt the Service or the servers or networks that provide it
• Copy, reverse engineer, or create derivative works from the Platform except as permitted by us

We may suspend or terminate your access if we reasonably believe you have violated these Terms or acceptable use.

7. User Content and Documents

You retain ownership of content and documents you upload or submit (“User Content”). You represent that you have the right to upload such content and that it does not violate any third-party rights or applicable law. You grant us a limited, non-exclusive, royalty-free license to use, process, store, and transmit your User Content as necessary to provide the Service, including transmission to Authorized Program Entities as permitted by your Authorization and our Privacy Policy. We do not claim ownership of your User Content beyond the license granted here.

8. Communications

We may send you messages through the Platform (e.g., in-app notifications, email) for account, security, and service-related purposes. You are responsible for ensuring the contact information you provide is current so we can reach you when necessary.

SMS Terms

You may choose to opt in to text messages from Renova Benefits. If you opt in, you agree to these text-message terms.

Puede optar por recibir mensajes de texto de Renova Benefits. Si opta por recibirlos, acepta estos términos de mensajes de texto.

When you give a mobile number and opt in, you confirm that you want these messages. A text can be read by someone who is not the intended recipient. Messages travel through your mobile carrier and can be intercepted, or seen by someone else who can open your phone. Use a passcode, and turn on encryption if your phone offers it.

You agree that we may send recurring text messages to the mobile number you gave us about Medicaid renewal reminders and coverage alerts. You do not have to agree to these texts to use Renova. Message and data rates may apply. We do not send marketing texts. Msg frequency varies. Reply HELP for help, STOP to opt out. STOPALL, UNSUBSCRIBE, CANCEL, END, and QUIT also opt you out.

You represent that you are 18 or older and able to agree for yourself, or that a parent or guardian is agreeing for you. If you sign up to receive texts for another person, you represent that you have the authority to do that.

How often we text depends on the reminders that apply, including messages about 90, 60, 30, and 7 days before a renewal. Your carrier is not responsible for messages that are delayed or not delivered. For questions about your text or data plan, contact your wireless provider. For questions about these texts, email support@vitatechgroup.com.

See our Privacy Policy at https://renovabenefits.com/privacy.

Consulte nuestra Política de privacidad en https://renovabenefits.com/privacy.

9. Privacy and Authorization

Our Privacy Policy describes how we collect, use, and protect your information and is incorporated into these Terms by reference. Where PHI is involved, handling is governed by our Privacy Policy, your executed “Authorization for Use and Disclosure of Information & Electronic Consent,” and applicable law. By using the Service, you agree to our Privacy Policy and, where applicable, to the terms of the Authorization you have signed.

10. Intellectual Property

The Renova Benefits platform and associated intellectual property belong to Renova Benefits. Renova Benefits (and its licensors) owns all right, title, and interest in the Platform as offered hereunder, including software, design, text, graphics, logos, and other content, and in our trademarks and brand. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose. You may not copy, modify, distribute, or create derivative works from the Platform except as we expressly permit.

11. Third-Party Services

The Service may contain links to or integrations with third-party websites, services, or content. We do not control and are not responsible for third-party services, their privacy practices, or their terms. Your use of third-party services is at your own risk.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RENOVA BENEFITS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. RENOVA BENEFITS MAKES NO WARRANTY OR GUARANTEE REGARDING CONTINUED ELIGIBILITY, BENEFIT APPROVAL, BENEFIT RETENTION, RECERTIFICATION SUCCESS, OR PROGRAM OUTCOMES.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RENOVA BENEFITS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNTS PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. WE HAVE NO LIABILITY FOR ELIGIBILITY DETERMINATIONS, APPROVAL OR DENIAL OF BENEFITS, GOVERNMENT OR PROGRAM PROCESSING DELAYS, THIRD-PARTY SYSTEM OUTAGES, OR THE ACTIONS OF STATE AGENCIES, MCOs, BROKERS, PROGRAM ADMINISTRATORS, OR OTHER THIRD PARTIES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14. Force Majeure

Renova Benefits is not liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to: government actions; changes in law or regulation; state or program system outages; managed care organization system outages; third-party service provider failures; natural disasters; power or telecommunications failures; or cyberattacks not resulting from our gross negligence. Affected obligations may be suspended for the duration of the force majeure event, and we will use reasonable efforts to resume performance as soon as practicable.

15. Indemnification

You agree to indemnify, defend, and hold harmless Renova Benefits and its officers, directors, employees, agents, and assigns from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Service, (b) your User Content, (c) your violation of these Terms or any law, or (d) your violation of any third-party rights. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, at our expense, and you agree to cooperate. This indemnification obligation survives termination of these Terms.

16. Termination and Suspension

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including breach of these Terms. You may stop using the Service at any time. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive (including indemnification, limitation of liability, and governing law) will survive termination.

17. Changes to Terms

We may modify these Terms from time to time. We will post the updated Terms and update the “Last Updated” date. Material changes may be communicated via the Platform or email where appropriate. Your continued use of the Service after the effective date of changes constitutes acceptance of the revised Terms to the extent permitted by law. If you do not agree, you must stop using the Service. We may modify, suspend, or discontinue any part of the Service at any time without liability.

18. Governing Law and Venue

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or the Service shall be brought exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction and venue of such courts.

19. Severability

If any provision of these Terms is held invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or severed if modification is not possible, and the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy and any executed Authorization, constitute the entire agreement between you and Renova Benefits regarding the Service and supersede any prior agreements or understandings. No waiver of any provision shall be deemed a continuing waiver or a waiver of any other provision.

21. Contact

For general support and questions about the Service: support@vitatechgroup.com

For privacy-related requests or questions: privacy@vitatechgroup.com

RENOVA BENEFITS · Terms & Conditions · October 15, 2026