Terms of Service

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Effective Date: 20 February 2026 

Acceptance of Terms

By accessing or using the Cobalt Regenerative website (“Site”) and services, you agree to be bound by these Terms of Service. If you do not agree, do not use our Site or services.

Medical Disclaimer

  • No Doctor-Patient Relationship Use of this Site does not create a doctor-patient relationship. Information provided on this Site is for educational purposes only and is not medical advice. Always consult with a qualified healthcare provider before making medical decisions.
  • Not a Substitute for Professional Medical Advice Content on this Site is not intended to diagnose, treat, cure, or prevent any disease or medical condition. Do not disregard professional medical advice or delay seeking treatment based on information from this Site.
  • Results May Vary Individual results from treatments and services vary. Testimonials and outcomes shared on this Site are not guarantees of results you may experience.

Use of Site

Permitted Use You may use this Site for:

  • Learning about our services
  • Scheduling appointments
  • Accessing patient resources (if applicable)

Prohibited Use You may NOT:

  • Use automated systems (bots, scrapers) to access the Site
  • Attempt to gain unauthorized access to our systems
  • Transmit viruses, malware, or harmful code
  • Violate any applicable laws or regulations
  • Impersonate another person or entity
  • Use the Site for any unlawful purpose

Intellectual Property

All content on this Site (text, images, logos, graphics, videos) is owned by Cobalt Regenerative or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our written permission.

Telehealth Services

Consent By participating in telehealth services, you consent to:

  • Electronic communication with Dr. Swenson and staff
  • Storage of health information in compliance with HIPAA
  • Use of secure video conferencing platforms

Limitations Telehealth has limitations:

  • Technology failures may occur
  • Not all conditions can be diagnosed remotely
  • In-person evaluation may be necessary

State Licensing Telehealth services are only provided to patients in states where Dr. Swenson is licensed: California, Wyoming, Florida, Massachusetts, and Vermont.

Payment Terms

  • Fees Fees for services are as posted on our Site or discussed during consultation. Prices are subject to change.
  • Payment Payment is due at the time of service unless other arrangements are made. We accept [payment methods].
  • Subscription Services Subscription services (HRT, Peptide Management) are billed monthly. You may cancel at any time with 30 days’ notice. No refunds for partial months.
  • Membership The Cobalt Circle membership is billed monthly. Membership fees are non-refundable. Membership may be terminated by either party with 30 days’ written notice.

Cancellation Policy

  • Appointments Please provide at least 24 hours’ notice for appointment cancellations. Late cancellations or no-shows may incur a fee.
  • Subscription Services Cancel subscription services with 30 days’ written notice. You remain responsible for the current billing cycle.

Limitation of Liability

To the fullest extent permitted by law:

  • Cobalt Regenerative is not liable for any indirect, incidental, or consequential damages arising from use of this Site or our services
  • Our total liability shall not exceed the amount you paid for services in the 12 months prior to the claim
  • We are not liable for delays or failures due to circumstances beyond our control

Indemnification

You agree to indemnify and hold Cobalt Regenerative, Dr. Swenson, and staff harmless from any claims, damages, or expenses arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any third-party rights

Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of third-party sites.

Modifications to Terms

We may update these Terms at any time. Changes will be posted with an updated “Last Updated” date. Continued use of the Site constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Santa Barbara County, California.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

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