Terms of Service

These Terms of Service (the “Terms”) form a binding contract between you and The Pep Club Inc. (“The Pep Club,” “we,” “our,” or “us”), the technology and management-services entity that operates the platform at thepepclub.com (the “Platform”). By creating an account, completing a medical intake, or otherwise using the Platform, you agree to be bound by these Terms, the Privacy Policy, the Patient Consent for Telehealth and Compounded Treatment, and the Refund Policy, each incorporated by reference.

You represent and warrant that you are at least twenty-one (21) years of age and that the personal information you provide is true, accurate, current, and complete. The age-21 threshold reflects the conservative bar applied by our affiliated compounding pharmacy and by the prescribing Group for compounded hormone and metabolic preparations. The Platform is not intended for any person under twenty-one and will not knowingly accept accounts from minors.

If you do not agree to these Terms in full, do not access or use the Platform.

The Platform provides three categories of service:

1. At-home biomarker testing. Each Lab Panel you buy (Core, Expanded, or Pro) ships once as an at-home collection kit and is mailed to a CLIA-validated reference laboratory, which reports results 2 to 3 business days after it receives your sample. The results return to your Platform account with protocol-aware educational interpretation once a licensed clinician has reviewed them. You order a panel whenever you want one; nothing renews on its own.
2. Telehealth-mediated clinical care. Asynchronous and synchronous consultation with a Provider engaged by the Group, including provider review of flagged biomarker results, protocol adjustments, and prescribing decisions where medically appropriate.
3. Compounded-medication fulfillment. When your Provider writes a prescription, the prescription is filled by the Affiliated Pharmacy and shipped directly to you. As of the effective date of these Terms, the Platform's formulary includes four compounded medications: Semaglutide and Tirzepatide (compounded preparations of the same active ingredients used in brand-name medications), and Glutathione and Nicotinamide Adenine Dinucleotide (NAD+) (compounded antioxidant preparations). The formulary may evolve over time at the clinical discretion of the Group.

The MSO operates the Platform as a technology and management services organization. It does not itself practice medicine, dispense medication, provide the Services, or establish a patient-provider relationship with you. Your patient-provider relationship is established with the Group through your medical intake and consultation. Compounded medications are dispensed by the Affiliated Pharmacy under your Provider's prescription.

To use the Platform you must:

• Be at least twenty-one (21) years of age;
• Be a resident of a state in which a Provider engaged by the Group holds an active medical license AND the Affiliated Pharmacy is licensed to dispense;
• Provide truthful, complete information during your medical intake;
• Have legal capacity to enter into a binding contract; and
• Not have been previously suspended or removed from the Platform.

State availability is computed live from physician and pharmacy licensure rather than kept as a fixed list, and it is published at /state-availability. The eligibility check records your state and tells you where it stands. If your state is not currently supported you may still create an account and join that state's waitlist, but a collection kit cannot be ordered and a telehealth visit cannot be booked until coverage opens there. If you relocate to an unsupported state after signup, the Group may, in its sole clinical discretion, pause or terminate your care relationship.

Clinical care is delivered exclusively by independent licensed clinicians engaged by the Group. The Pep Club does not employ them and does not direct clinical decision-making. Physician compensation is structured to comply with the federal Anti-Kickback Statute (42 U.S.C. § 1320a-7b) and is hourly, per-consultation, or salaried; physician compensation is never tied to prescription volume, medication selection, or the patient's acceptance of any particular treatment.

No prescription is issued algorithmically. Every prescription issued through the Platform requires a documented patient-physician consultation, a signed clinical note (SOAP), and physician sign-off. The physician may, in their sole clinical discretion, decline to prescribe, request additional laboratory work or examination, refer you to in-person care, or terminate the care relationship.

The Pep Club's educational content (including AI-generated biomarker summaries) is informational only and does not substitute for the clinical judgment of your physician. All clinical decisions are made by your physician.

Compounded medications prescribed through the Platform are filled by the Affiliated Pharmacy, a state-licensed 503A compounding pharmacy. The Affiliated Pharmacy operates under applicable state and federal compounding rules, including Section 503A of the Federal Food, Drug, and Cosmetic Act (21 U.S.C. § 353a), United States Pharmacopeia (USP) standards for sterile and non-sterile compounding, and the licensure rules of every state in which it dispenses.

Compounded preparations are customized medications prepared by a licensed compounding pharmacy under U.S.-licensed physician supervision; they are not interchangeable with brand-name medications they may reference. Compounded preparations are prepared on a per-prescription basis for an individual patient and do not undergo the same pre-market review applied to commercially available finished drug products. Compounded preparations may differ from brand-name alternatives in formulation, concentration, dosage form, route of administration, inactive ingredients, stability, and efficacy and safety profile. The use of a compounded preparation is a clinical decision made by your physician based on your individual medical assessment.

The Affiliated Pharmacy is operated independently of the Platform. The Platform does not directly dispense medication and does not own the Affiliated Pharmacy. Disputes about the preparation, packaging, or shipment of a compounded medication are routed first to The Pep Club patient support, then escalated to the Affiliated Pharmacy where appropriate.

The Pep Club does not manufacture medications. We provide a technology platform that connects patients with U.S.-licensed physicians who determine eligibility for treatment based on patient-supplied medical history and assessment responses; providers retain full discretion to prescribe or decline any compounded medication. The eligibility assessment available on this website does not by itself create a doctor-patient relationship; the patient-physician relationship is established only after the consultation with a Provider engaged by the Group described above.

Compounded medications obtained through The Pep Club are prepared by licensed compounding pharmacies operating under applicable state and federal pharmacy regulations, are not interchangeable with the brand-name medications they may reference, and actual product appearance and labeling may differ from website images. Results vary by patient and depend on individual adherence, provider guidance, and lifestyle factors. Patient experiences referenced on this website reflect individual outcomes and do not constitute medical guarantees of similar results.

Ozempic® and Wegovy® are registered trademarks of Novo Nordisk A/S. Mounjaro® and Zepbound® are registered trademarks of Eli Lilly and Company. All other trademarks referenced on the Platform are the property of their respective owners. References to brand-name medications on the Platform are used solely to identify the active pharmaceutical ingredients in compounded preparations and do not imply sponsorship, endorsement, or affiliation by the trademark owners.

Lab Panels are one-off purchases. You are charged once, at checkout, for the panel you selected. There is no recurring lab charge, no billing cycle, and nothing to cancel once the purchase completes. If you want another panel, you buy another panel.

Medication Subscriptions are recurring. Each one is billed monthly in advance, independently of any other Medication Subscription you carry. By subscribing, you authorize The Pep Club (or its payment processor) to charge your stored payment method on each billing date until you cancel that specific Medication Subscription.

Payment activation notice. As of the effective date of these Terms, paid checkout is not yet activated on the Platform. Pricing displayed on the Platform reflects planned pricing once paid checkout activates in a later release. When paid checkout activates, the terms in this section apply to every purchase and subscription placed thereafter. Until activation, access to the Platform is gated by medical intake and physician review only; no charges are assessed.

Medication Subscriptions renew automatically each month at the then-current price for each active Medication Subscription. Lab Panels do not renew: each panel is a separate purchase you make when you want it, at the price shown to you at checkout. If we change the price of a Medication Subscription, we will notify you by email at least thirty (30) days before the new price takes effect; you may cancel that Medication Subscription before the new price takes effect to avoid the increase. Lab Panel tier prices may change at any time; the price shown to you at checkout is the price charged.

The Pep Club and the Group do not accept commercial health insurance. The Platform is cash-pay only. We may, in our discretion, provide an itemized receipt that you can submit to a health savings account (HSA), flexible spending account (FSA), or your insurer for reimbursement; we make no representation that any reimbursement will be granted.

You may cancel any individual Medication Subscription at any time from that treatment's refill page in the patient portal. Cancellation stops future billing for that Medication Subscription only; your other active Medication Subscriptions continue uninterrupted.

Lab Panels are one-off purchases, so there is nothing to cancel. A panel purchase is refundable only as set out in the seven-day cooling-off period in the Refund Policy, on every condition stated there, and no other refund right applies to a panel purchase. You keep access to the results of every panel you paid for.

Detailed terms, including the seven-day cooling-off period on your first purchase, refund eligibility for unfilled prescriptions, and the rule that fulfilled compounded medications are not refundable, are published in the Refund Policy, which is incorporated by reference.

Compounded medications are prepared on a per-prescription basis for an individual patient and, once compounded and shipped, cannot be returned, resold, or refunded. This rule reflects the patient-specific nature of compounded fulfillment and is standard practice across the compounded- medication industry.

The Platform may surface educational summaries of your biomarker results that have been generated, in part, by artificial intelligence (AI). AI summaries are produced through a prompt-engineered large-language-model pipeline that takes your individual results, your declared protocol context, and reference ranges as input. AI output is post-processed by an automated safety guard that blocks prescribing-style language, diagnostic claims, and other content that is reserved for a licensed physician.

AI-generated content is educational and informational only. AI summaries are not medical advice, a medical diagnosis, a recommendation to start or stop any medication, or a substitute for the clinical judgment of your physician. If you have a clinical question, send a message through the patient portal so it can be routed to a Provider engaged by the Group.

We do not represent that AI output is free from error. We will continue to refine the AI pipeline and the safety guard, but the final word on any clinical question is your physician's.

You agree not to use the Platform to:

• Misrepresent your identity, age, state of residence, or medical history;
• Share, sell, resell, redistribute, or transfer your account or any prescribed medication to another person;
• Use medications obtained through the Platform for any purpose other than your own treatment as prescribed;
• Reverse-engineer, copy, scrape, or otherwise extract content or data from the Platform, except as permitted by these Terms;
• Interfere with, disrupt, or attempt to gain unauthorized access to the Platform or its underlying systems;
• Use the Platform in violation of any applicable law, regulation, or order; or
• Submit content that is defamatory, harassing, hateful, infringing, or otherwise unlawful.

We may suspend or terminate your account, with or without notice, for any violation of this section.

By creating an account you consent to receive electronic communications from The Pep Club and the Group, including transactional emails (account, billing, kit shipment, prescription status), clinical messages from your care team, and, where you opt in, occasional educational content. Transactional and clinical communications are essential to the service and cannot be turned off while your account is active. Marketing communications, if any, can be unsubscribed from the footer of each message.

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PEP CLUB DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERROR.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE PEP CLUB, THE GROUP, OR THE AFFILIATED PHARMACY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM. OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM IS LIMITED TO THE GREATER OF (A) THE FEES YOU PAID THE PEP CLUB IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD OR FOR PERSONAL INJURY CAUSED BY GROSS NEGLIGENCE.

You may terminate your account at any time from the patient portal. Termination stops future billing but does not entitle you to a refund of fees already paid, except as expressly provided in the Refund Policy.

We may suspend or terminate your access immediately, with or without notice, if you violate these Terms, if your medical intake materially misrepresented your condition, if the Group determines that continued care is not clinically appropriate, or if continued service would violate applicable law.

Sections of these Terms that by their nature should survive termination (including Definitions, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law) survive termination.

We may update these Terms from time to time. When we make a material change, we will post the revised Terms here and update the Last reviewed date. For material changes that affect your rights (for example, an increase in price or a change to dispute resolution), we will notify you by email at least thirty (30) days before the change takes effect; your continued use of the Platform after that date constitutes acceptance of the revised Terms.

If you do not accept the revised Terms, you must terminate your account before the change takes effect. Termination is your sole remedy if you do not agree to a change.

Please read this section carefully. It affects how disputes between you and The Pep Club are resolved, limits your right to a court trial and to participate in a class action, and provides for binding arbitration.

These Terms, together with the Privacy Policy, the Patient Consent, and the Refund Policy, constitute the entire agreement between you and The Pep Club relating to the Platform and supersede any prior agreement on the same subject. If any provision of these Terms is found unenforceable, the remaining provisions continue in full force. Our failure to enforce any right or provision is not a waiver of that right or provision.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of substantially all of our assets.

Notices to The Pep Club should be sent to legal@thepepclub.com. Notices to you will be sent to the email address on file with your account.

General questions: hello@thepepclub.com

Legal notices and contract questions: legal@thepepclub.com

Privacy concerns and HIPAA requests: privacy@thepepclub.com (see the Privacy Policy for the full process).

Additional support channels are listed on the Contact page.