Refund Policy & Financial Disclaimer

Technological Intermediary & Financial Exoneration

Formal Financial Disclaimer

Last updated : 28/10/2026 • Technological intermediary status, financial liability disclaimer & telehealth transactions

Executive Summary & Core Principles

1. Pure Technological Intermediary : Dooctor.online operates exclusively as a technology matching provider and telecommunications infrastructure (Dooctor Telecom). The platform does not engage in banking, brokerage, escrow, third-party medical billing, or payment processing for users.

2. Zero Financial Liability for Medical Fees : The platform is strictly not liable for payments, medical fees, money transfers, deposits, or private settlements arranged directly or indirectly between a patient and any doctor, clinic, hospital, pharmacy, laboratory, imaging center, or ambulance service.

3. Total Exoneration in Case of Fraud or Scams : Dooctor.online expressly disclaims all civil and criminal liability in case of financial disputes, private disagreements, identity theft, fraudulent misrepresentation, or scam attempts between users. All financial transactions are entered into under the sole and direct responsibility of the parties.

4. Technical Failure & Cancellation Rules : A 100% refund is guaranteed exclusively if patient cancellation occurs more than 24h prior to the session, or in the event of a verified technical telecommunication outage on Dooctor Telecom servers.

1. Pure Technological & Telecommunication Intermediary Status

Dooctor.online operates solely as advanced software and secure telecommunication infrastructure (Dooctor Telecom). The platform acts strictly as a technological facilitator matching users with licensed, independent healthcare professionals and clinics.

Dooctor.online is NOT a bank, credit institution, insurance broker, payment services intermediary (IOBSP), or medical escrow custodian. The platform does not collect, hold, escrow, or handle consultation fees or surgical costs owed to medical providers.

2. Absolute Absence of Financial Liability for Medical Fees & Direct Settlements

Under no circumstances shall Dooctor.online be held financially, civilly, or tortuously liable for payments, bank transfers, deposits, or private agreements arranged between users and the 6 healthcare professions:

Doctors & Specialists : in-office consultation fees, independent remote consultations

Clinics & Hospitals : hospitalization fees, surgical procedures, inpatient packages

Pharmacies & Dispensaries : medication purchases, prescription fulfillment, medical devices

Clinical Biology Laboratories : blood tests, diagnostic screenings, clinical lab panels

Radiology & Imaging Centers : MRI scans, CT scans, ultrasounds, X-rays

Ambulance & Medical Transport : emergency medical transport rates, medical repatriation

Every clinical act and its financial compensation constitute an exclusive bilateral contract between the patient and the licensed healthcare provider. Dooctor.online remains an absolute third party to this financial agreement.

3. Total Exoneration in Case of Fraud, Scams, Identity Theft & User Disputes

Dooctor.online expressly disclaims all legal liability in the following circumstances:

Disputes regarding the pricing, billing methods, or collectability of fees set by a practitioner or clinic;
Fraud attempts, scams, misrepresentation, or identity theft committed by any platform user;
Payments arranged outside the platform via uncertified payment links, private wire transfers, cash, or cryptocurrencies;
Insolvency of a counterparty or coverage disputes involving health insurance funds and mutual insurers.

While Dooctor.online audits practitioner licenses upon registration via Verify AI, this administrative verification does not constitute a financial solvency guarantee or commercial warranty regarding private transactions.

4. Teleconsultation Cancellation Matrix & Technical Downtime Scale

For remote teleconsultations scheduled through the Dooctor.online automated booking system, the following terms apply strictly:

Situation	Notice Period	Refund Term
Patient Cancellation	More than 24 hours prior to appointment	100% Full Refund or immediate credit for free rescheduling.
Late Patient Cancellation	Less than 24 hours prior to appointment	50% refund or flat administrative fee retained to partially compensate the practitioner's dedicated time slot.
Practitioner Cancellation	At any time	100% Automatic Refund without deduction with a priority replacement slot offered.
Dooctor Telecom Technical Outage	During consultation session	In case of verified internal server failure on Dooctor Telecom preventing communication, full refund or free rescheduling is guaranteed.
Patient Unjustified No-Show	Absence recorded at scheduled time	No refund. The reservation fee is entirely retained to cover the practitioner's reserved schedule.

5. Professional Subscriptions & Credentialing Audit Fees

Professional subscription plans for doctors, clinics, pharmacies, laboratories, imaging centers, and ambulance operators include a 14-day calendar money-back guarantee from initial purchase. Past this 14-day window, paid subscription fees remain non-refundable.

6. Medical Tourism & Cross-Border Coordinated Care Estimates

Quotes and treatment packages arranged within the Medical Tourism department are governed strictly by direct agreements between the international patient and host hospitals. Dooctor.online holds no clinical escrow deposits and accepts no liability for hospital cancellation fees or airline ticket penalties.

7. Processing Timelines & Approved Payment Channels

When a technical refund is approved by Dooctor.online, funds are returned within 5 to 10 business days strictly to the original payment card or account via PCI-DSS certified gateways (Stripe / PayPal). Cash refunds are strictly prohibited.

8. Billing Support & Formal Dispute Inquiries

For billing inquiries or to file an automated technical claim:

Billing & Refund Department : billing@dooctor.online

Customer Support & Disputes : support@dooctor.online

International WhatsApp Helpline : +1 564 544 8856

Refund, Cancellation & Financial Liability Policy