Before You Register
Before You Register At psychvisit, we prioritize the safety and well-being of our patients, which is why we have specific eligibility criteria in place to ensure that we can provide the highest quality of care. In addition to our standard requirements, there are additional restrictions for three specific populations: 1. Developmentally Disabled: While we strive to offer inclusive care, our services may not be suitable for individuals with significant developmental disabilities. We recommend seeking specialized care that can better address the unique needs of this population. 2. Controlled Substance Use: To maintain patient safety and compliance with medical guidelines, we restrict treatment to individuals who are not currently using more than one controlled substance. Doses must also adhere to acceptable guidelines to minimize the risk of substance misuse or dependency. 3. Active Substance Use: Patients with active substance use are not eligible for our services at this time. We prioritize providing care to individuals who are committed to their recovery and well-being.Additionally, all patients must agree to participate in counseling as part of their treatment plan.Upon acceptance, patients are required to complete lab work to evaluate any underlying medical concerns. **Failure to meet the above criteria will result in non-acceptance, and any funds paid will be refunded before scheduling any visits. It's important to note that we do not provide disability endorsements or medical documentation for disability applications.Any requests for medical letters or documentation will incur a charge of $25, or fees may vary based on the complexity of the request.At psychvisit, our goal is to provide accessible, high-quality psychiatric care while maintaining strict standards to ensure the safety and well-being of all our patients. Please note that our services are available to individuals aged 14 years old and above, under 18 years old must be accompanied by a parent or guardian on every visit.
Balances and Copay Collection Policy
Balances and Copay Collection Policy At Psychvisit, we are dedicated to providing quality mental health care to our patients while maintaining clear and fair financial policies. This policy outlines our procedures regarding balances and copay collection to ensure transparency and efficiency in our billing processes. 1. Copay Requirements: a. Copay Due at Time of Service: Patients are required to pay their copayments in full at the time of their appointment. This applies to all visits, including initial consultations, follow-up appointments, and therapy sessions. b. Amount of Copayment: The amount of the copayment is determined by the patient's insurance plan and is typically specified on their insurance card. Patients are responsible for knowing their copayment amount prior to their appointment. c. Acceptable Payment Methods: We accept various forms of payment for copayments, including cash, credit/debit cards, and certified checks. 2. Balance Payments: a. Payment Responsibility: Patients are responsible for any outstanding balances not covered by their insurance, including copayments, deductibles, coinsurance, or non-covered services. b. Billing Statements: Patients will receive billing statements for any outstanding balances after their insurance has processed the claim. Statements will detail the services provided, the amount billed to insurance, and the patient's financial responsibility. c. Payment Deadline: Balances are due upon receipt of the billing statement. Patients are expected to make payment promptly to avoid late fees or additional collection actions. 3. Late Payment Policy: a. Late Fee: Patients who fail to pay their copayment on the same day of service will be charged a late fee of $25. This fee will be added to their outstanding balance and reflected on their next billing statement. b. Notification: Patients will be notified of any late fees incurred on their billing statements. Clear communication regarding late payments will be provided to ensure awareness of the consequences. 4. Payment Options: a. Flexible Payment Plans: Psychvisit understands that some patients may face financial challenges in meeting their obligations. We offer flexible payment plans to assist patients in managing their outstanding balances. Patients can discuss payment plan options with our billing department. b. Online Payment Portal: Patients have the option to conveniently make payments online through our secure payment portal. This allows for easy access to view and settle outstanding balances at their convenience. 5. Collection Actions: a. Delinquent Accounts: Accounts with unpaid balances exceeding 60 days may be subject to further collection actions, including but not limited to, referral to a collections agency and reporting to credit bureaus. Conclusion: At Psychvisit, we strive to maintain clear and fair financial policies for the benefit of our patients and the practice. By adhering to these policies, we can ensure the smooth operation of our billing processes and focus on delivering exceptional mental health care to our patients. Patients are encouraged to reach out to our billing department with any questions or concerns regarding their balances or copayments. Revised-4/14/2024 Faisal Rafiq MD.
Notice of Privacy Practices
Notice of Privacy Practices Introduction: Faisal Rafiq MD. PC. (the “Practice”) is dedicated to safeguarding the privacy of your health information as mandated by federal law. This Notice of Privacy Practices (the “Notice”) outlines our commitment to maintaining the confidentiality of Protected Health Information (PHI), which includes data that could identify you. Please review this Notice carefully to understand your rights and our obligations concerning the collection and maintenance of PHI. Your Rights: You have certain rights regarding your PHI, as detailed below. To exercise these rights, please submit a written request to the Practice at the address provided. 1. Right to Inspect and Copy PHI: * You may request electronic or paper copies of your PHI, subject to a reasonable fee. * The Practice reserves the right to deny requests if disclosure poses a threat to your or another person's life. 2. Right to Amend PHI: * You can request corrections to any inaccurate or incomplete PHI. * The Practice may deny requests but will provide a written explanation and allow for a statement of disagreement. 3. Right to Request Confidential Communications: * You can specify preferred communication methods, which the Practice will accommodate whenever feasible. 4. Right to Limit Use or Disclosure of PHI: * You may request restrictions on how your PHI is used or shared, though the Practice is not obligated to comply if it impacts your care. * Out-of-pocket payments grant you the option to withhold PHI from your health insurer. * You can request non-disclosure of PHI to specific individuals by specifying the restriction and recipients. 5. Right to Receive an Accounting of PHI Disclosures: * You are entitled to a yearly accounting of PHI disclosures at no cost, with additional requests incurring a reasonable fee. 6. Right to Obtain a Copy of this Notice: * You can request a paper copy of this Notice, even if you initially received it electronically. 7. Right to Designate a Representative: * Individuals with medical power of attorney or legal guardianship may act on your behalf. 8. Right to File a Complaint: * You may file complaints with the Practice or the U.S. Department of Health and Human Services Office for Civil Rights without fear of retaliation. 9. Right to Opt Out of Fundraising Communications: * While the Practice may engage in fundraising efforts, you can request to be excluded from future communications. Our Uses and Disclosures: The Practice may use or disclose PHI for various purposes without requiring your authorization, including: * Treatment, payment, and health care operations. * Public health, safety, and law enforcement requirements. * Compliance with legal, judicial, or administrative requests. * Coroners, funeral directors, and organ donation purposes. * Research, business associates, and inmate care. * Disclosure to family or friends involved in your care or in your best interest. Authorization Requirement: Certain uses and disclosures of PHI require your written authorization, such as marketing, sale of PHI, and psychotherapy notes. You have the right to revoke authorization at any time. Our Responsibilities: * The Practice is obligated to uphold the privacy and security of PHI. * We adhere to the terms outlined in this Notice and will notify you of any amendments. * In the event of a breach compromising PHI, the Practice will inform affected individuals promptly. Effective Date: This Notice is effective as of 11/21/2021. For questions or concerns regarding privacy practices, please contact: Faisal Rafiq MD. PC. 120 Broadway Amityville NY 11701 Suite D Faisal Rafiq MD. Phone: 631-440-1010 You may also file complaints with the U.S. Department of Health and Human Services Office for Civil Rights. Revision: 4/14/24 Faisal Rafiq MD.
Patient Solicitation Policy
1. Introduction: The purpose of this policy is to establish guidelines to prevent patient solicitation within the premises of Psychvisit, ensuring a professional and respectful environment for all patients, staff, and practitioners. 2. Definition of Patient Solicitation: Patient solicitation refers to any attempt made by a patient to solicit services, products, or business opportunities from other patients, staff, or practitioners within the practice premises. 3. Prohibited Activities: The following activities are strictly prohibited within the practice premises: a. Soliciting services or products from other patients, staff, or practitioners. b. Distributing promotional materials, business cards, or any form of advertisement to other patients, staff, or practitioners. c. Engaging in conversations aimed at promoting personal businesses, services, or products to other patients, staff, or practitioners. d. Attempting to recruit other patients, staff, or practitioners for personal business ventures, multi-level marketing schemes, or similar activities. 4. Implementation: To enforce this policy effectively, the following measures will be implemented: a. Posting visible signs in prominent areas within the practice premises, clearly stating the prohibition of patient solicitation. b. Educating patients about the policy during their initial visit through written materials, verbal communication, or both. c. Training staff members to recognize and address instances of patient solicitation promptly and appropriately. d. Establishing consequences for violating the patient solicitation policy, which may include verbal warnings, written warnings, or termination of services. 5. Reporting Procedure: Patients, staff, or practitioners who witness or experience patient solicitation within the practice premises are encouraged to report such incidents to the practice manager or designated authority. Reports should include details of the incident, including the names of individuals involved, the nature of the solicitation, and any relevant information. 6. Consequences of Violation: Patients who violate the patient solicitation policy may face the following consequences: a. Verbal warning: A verbal warning will be issued to the patient, explaining the violation and reminding them of the policy. b. Written warning: If the behavior persists, the patient will receive a written warning outlining the violation and the consequences of further infractions. c. Termination of services: Continued violation of the patient solicitation policy may result in the termination of services, at the discretion of the practice management. 7. Review and Revision: This policy will be reviewed periodically to ensure its effectiveness and relevance. Any necessary revisions will be made based on feedback from staff and patients, changes in regulations, or emerging trends in patient behavior. By adhering to this patient solicitation policy, Psychvisit aims to maintain a professional and respectful environment conducive to the delivery of quality healthcare services. Revised 4/23/24 FAISAL RAFIQ MD.
Telepsychiatry Consent Policy
Introduction: Telepsychiatry, or therapy conducted remotely via video conferencing technology, offers individuals convenient access to mental health services. It is essential for both the provider and the client to understand the rights, responsibilities, and risks associated with telepsychiatry. This policy outlines the guidelines and procedures for engaging in telepsychiatry services with Psychvisit. The Therapy Process: Therapy at Psychvisit is a collaborative process where the client and the Provider work together to achieve mutually defined goals. Clients have specific rights and responsibilities throughout the therapy process. It is imperative for clients to understand the therapy process fully before committing to telepsychiatry services. Telepsychiatry Services: Telepsychiatry services at Psychvisit require clients to have access to an internet connection and a device with a camera for video conferencing. Clients will receive guidance on how to log in and use the telepsychiatry platform. In cases where telepsychiatry is not suitable, alternative options will be explored. Risks and Benefits of Telepsychiatry: Clients should be aware of the risks and benefits associated with telepsychiatry. Risks include potential issues with privacy and confidentiality, technology-related challenges, and limitations in crisis management. However, telepsychiatry offers benefits such as flexibility and ease of access to therapy sessions. Confidentiality: Psychvisit prioritizes client confidentiality and adheres to strict confidentiality protocols. Personal information will not be disclosed without client consent, except in certain circumstances outlined by law. Clients have the right to communicate securely with their Provider and are encouraged to discuss any concerns regarding confidentiality. Record Keeping: Psychvisit maintains electronic health records to ensure the quality and continuity of care. These records are securely stored and accessible only to authorized personnel. Clients can rest assured that their personal information is protected according to industry standards. Communication: Clients have various options for communicating with their Provider outside of therapy sessions. While texting and email are not secure methods of communication, secure communication channels are available upon request. Social media and review websites are not appropriate channels for communication with the Provider. Fees and Payment for Services: Clients are responsible for payment of services rendered by Psychvisit. Fees, including late cancellation fees and administrative fees, are outlined in the fee agreement provided to clients. Payment methods accepted include credit or debit cards, and balances unpaid past 30 days may incur interest charges. Complaints: Clients have the right to voice concerns or complaints regarding the services provided by Psychvisit. They may address concerns directly with their Provider, contact the licensing board, insurance company, or the US Department of Health and Human Services. Consent and Acknowledgement: By signing below, clients acknowledge that they have reviewed and understood the telepsychiatry consent policy of Psychvisit. They affirm their acknowledgement of all policies outlined and authorize Psychvisit to utilize their payment methods on file for any balances owed. Payment Method Authorization: Clients are required to provide a valid credit or debit card to be kept on file with Psychvisit. This card will be charged for services rendered and any applicable fees. Clients are responsible for keeping their payment information up to date. Payment Policy: Psychvisit does not accept cash, checks, or money orders. Clients agree to the payment policy outlined by Psychvisit and understand that balances unpaid past 30 days may be subject to interest charges. Additionally, a fee will be charged for no-show or same-day cancellation appointments, with exceptions as outlined in the policy. Revised-4/13/2024 Faisal Rafiq MD.
Audio Recording Consent
Policy on Audio Recording for AI Transcription for Medical Documentation Purpose: The purpose of this policy is to outline the guidelines and procedures for audio recording sessions for the purpose of AI transcription for medical documentation at Psychvisit, with the assistance of Nextvisit AI. This policy ensures compliance with privacy regulations while enhancing the efficiency and accuracy of medical documentation through technological advancements. Scope: This policy applies to all healthcare professionals, staff, and patients involved in sessions at Psychvisit, where audio recording for AI transcription is utilized. Policy Statement: All sessions conducted at Psychvisit for medical purposes will be audio recorded for the purpose of AI transcription to facilitate medical documentation. The audio recordings will be conducted using Nextvisit AI, a trusted third-party service provider specializing in AI transcription for medical purposes. The audio recordings will only capture audio content related to the medical consultation or session and will not include any non-medical discussions or personal information unrelated to the medical encounter. The audio recordings will be securely stored and encrypted to ensure patient privacy and confidentiality. Access to the audio recordings will be restricted to authorized healthcare professionals involved in the patient's care and Nextvisit AI personnel responsible for transcription services. The audio recordings will be retained for a period of 30 days from the date of the session to allow for transcription and review purposes. After 30 days, the audio recordings will be automatically discarded and permanently deleted from the system to maintain compliance with privacy regulations and ensure data security. Patients will be informed of the audio recording process and its purpose prior to the commencement of the session, and their consent will be obtained in accordance with applicable privacy laws and regulations. Patients have the right to request the deletion of their audio recordings from the system at any time, and such requests will be promptly addressed in compliance with privacy regulations. Responsibilities: Healthcare professionals conducting sessions at Psychvisit are responsible for informing patients about the audio recording process and obtaining their consent. Psychvisit staff are responsible for ensuring the secure storage and deletion of audio recordings in accordance with this policy. Nextvisit AI personnel are responsible for providing transcription services and adhering to privacy and security protocols established by Psychvisit. Policy Review: This policy will be reviewed annually or as necessary to ensure its effectiveness and compliance with changes in regulations or technology. This policy is effective immediately upon implementation and applies to all sessions conducted at Psychvisit for medical purposes. Compliance with this policy is mandatory for all staff and healthcare professionals involved in patient care. Revision Date -4/13/2024-Faisal Rafiq MD.
Aggressive Behavior Policy
Aggressive Behavior Policy At Psychvisit, ensuring the safety and well-being of our patients, visitors, and staff is paramount. We maintain a zero-tolerance stance towards any form of aggressive behavior within our practice premises. This includes verbal abuse, threats, harassment, intimidation, or physical violence. Our policy outlines the procedures for handling and preventing such behaviors, in conjunction with our commitment to 24-hour video surveillance. Definition of Aggressive Behavior: Aggressive behavior encompasses any conduct that poses a threat to the safety, security, or well-being of individuals within Psychvisit. This includes: 1. Verbal abuse: Use of derogatory language, insults, or offensive remarks. 2. Threats: Expressions of intent to harm or cause damage to individuals or property. 3. Harassment: Persistent actions or communication aimed at disturbing or intimidating others. 4. Intimidation: Creating an atmosphere of fear or coercion through words or actions. 5. Physical violence: Any act of physical aggression or assault against another person. Expectations of Behavior: All individuals present within Psychvisit are expected to conduct themselves in a respectful and considerate manner. This applies to interactions with fellow patients, visitors, staff, and healthcare providers. Consequences of Aggressive Behavior: 1. Immediate Intervention: Upon observing aggressive behavior, Psychvisit staff will intervene promptly to ensure the safety of everyone involved. This may involve separation of parties, seeking assistance from security personnel, or contacting law enforcement if necessary. 2. Termination of Services: Patients engaging in aggressive behavior may face immediate termination of their treatment or services at Psychvisit, at the discretion of the practice management and healthcare providers. 3. Legal Action: Instances of physical violence or threats may result in legal action, including criminal charges and civil litigation. 4. Notification to Authorities: Psychvisit reserves the right to notify relevant authorities, including law enforcement agencies and regulatory bodies, in cases of serious threats or violence. Reporting Aggressive Behavior: Patients, visitors, and staff members are encouraged to report incidents of aggressive behavior promptly to Psychvisit management or designated staff members. Reports will be treated with confidentiality and investigated thoroughly. Prevention Measures: To prevent aggressive behavior within Psychvisit, we employ the following measures: 1. 24-Hour Video Surveillance: Psychvisit maintains continuous video surveillance throughout its premises to deter and monitor any instances of aggressive behavior. 2. Clear Communication: Providing clear expectations of behavior through signage, written policies, and verbal communication with all individuals present within Psychvisit. 3. Training and Education: Providing staff members with training on de-escalation techniques, conflict resolution, and recognizing early signs of aggression. 4. Security Measures: Implementing security protocols such as panic buttons and regular security patrols to ensure a safe environment. Conclusion: Aggressive behavior is not tolerated within Psychvisit, and we are committed to maintaining a safe and respectful environment for all. Cooperation from patients, visitors, and staff in upholding these standards is greatly appreciated. Violations of this policy will be addressed swiftly and may result in termination of services and legal consequences. Revised-4/14/24 Faisal Rafiq MD.
Patient Consent/Contract for Treatment
Patient Consent/Contract for Treatment: In agreeing to receive treatment for medications and/or therapy, I acknowledge and agree to the terms outlined in this contract: 1. Appointment Attendance: I agree to attend all scheduled appointments punctually. 2. Payment Policy: I agree to adhere to the payment policy outlined by this office, ensuring payments are made via cash, credit card, or certified check. 3. Conduct: I agree to conduct myself in a courteous manner while in the doctor's office. 4. Medication Handling: I agree not to sell, share, or mishandle my medication, understanding that such actions may result in termination of my treatment. 5. Illegal Activities: I agree not to engage in any illegal or disruptive activities in the doctor's office. 6. Reporting: I understand that any observed or suspected illegal activities will be reported to my doctor's office, potentially leading to termination of my treatment. 7. Medication Dispensing: I agree that medication/prescriptions will only be provided during regular office visits, with missed visits potentially delaying access to medication. 8. Medication Responsibility: I agree to keep my medication in a safe, secure place and understand that lost medication will not be replaced. 9. Medication Sources: I agree not to obtain medications from sources other than my treating physician. 10. Medication Disclosure: I will inform my physician of all medications I am currently prescribed. 11. Medication Adherence: I agree to take my medication as instructed by my doctor and consult them before altering dosage. 12. Therapy Participation: I understand that medication alone is not sufficient treatment and agree to participate in counseling as outlined in my treatment plan. 13. Substance Abstinence: I agree to abstain from specified addictive substances. 14. Testing Consent: I consent to random urine samples or testing, as requested by my doctor. 15. Appointment Communication: I will notify the office in case of appointment changes or cancellations, understanding potential fees for missed appointments. 16. Insurance Responsibility: I acknowledge that insurance reimbursements are not guaranteed, and I am responsible for any balances owed. 17. Insurance Updates: I will inform the office of any changes to my insurance policy. 18. Treatment Compliance: Failure to comply with treatment visits for 90 days may result in termination of treatment. 19. Practice Termination: If terminated from the practice, I understand I will not be able to reschedule and will be referred to other providers. 20. Violation Consequences: I understand that violations of this contract may result in termination of treatment. Consent for Services: I acknowledge receipt and understanding of the terms outlined in this Consent for Services. If any questions arise, I will contact my Provider for clarification. Revision-4/14/24 Faisal Rafiq
Payment Policy, Consent & Financial Policy Waiver/Policy:
At Psychvisit, we are committed to providing you with the best psychiatric care possible. To ensure clarity and mutual understanding regarding payment for services rendered, we have outlined our payment policy below. By signing this document, you acknowledge that you have read and agree to adhere to these policies. Insurance Coverage Verification: We strongly recommend contacting your insurance provider prior to your appointment to verify coverage and ensure that Psychvisit and its clinicians are in-network providers. This helps to avoid any issues related to reimbursement or coverage. Insurance Claims and Payments: We will file insurance claims with your primary insurance provider on your behalf. Co-payments and deductibles are due at the time services are rendered. Any remaining balance not covered by insurance is expected to be paid within 60 days of the date of service. Accepted forms of payment for co-payments include Cash, Money Order, and all Major Credit Cards. Personal checks are not accepted. Insurance Contractual Agreements: Our participation with your insurance plan obligates us to charge only the fees allowed by your insurance company. Any difference between our fees and what your insurance allows will be adjusted accordingly. Some services may not be covered by your insurance plan, and any non-covered services will be your responsibility to pay. Financial Responsibility: All charges incurred for services rendered are the patient's responsibility from the date of service. In the event of temporary financial difficulties, we encourage patients to promptly contact us for assistance in managing their accounts. Additional Fees: A fee of $25 will be charged for the writing of medical letters. A fee of $50 will be charged for missed appointments (no-show fees). A fee of $25 will be charged for direct calls made after hours to speak with a provider. Collections and Legal Action: In the event that an account is turned over to a collection agency or attorney, the patient will be responsible for any associated fees and charges. A 10% service charge (Minimum of $15) will be added to the balance if the account is sent to a third party for collection. The patient will be responsible for all litigation expenses, court costs, and reasonable attorney's fees incurred in the collection process. Assignment of Insurance Benefits & Acceptance of Financial Responsibility: I authorize the direct payment of any medical benefits to Psychvisit for services rendered. I understand that I am responsible for any charges not covered by insurance. In the event of account collection, I agree to pay all associated fees and expenses. Revised-4/13/2024 Faisal Rafiq MD.
Consumer Terms of Service
Effective Date: January 1, 2025 Welcome to Psychvisit ("we," "our," or "us"). These Consumer Terms of Service ("Terms") govern your access to and use of our services, including but not limited to psychiatric consultations, therapy sessions, medication management, and telehealth services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you may not use our Services. 1. Services Provided Psychvisit provides psychiatric and therapeutic services, including but not limited to: Initial assessments and evaluations. Medication management and prescriptions. Psychotherapy sessions (both in-office and online). Substance abuse treatment, including Suboxone therapy. Weight loss treatment programs. Geriatric and neuropsychiatric care. 2. Eligibility To use our Services, you must: Be at least 18 years of age or have a legal guardian’s consent. Provide accurate and complete registration and health information. Agree to these Terms and our Privacy Policy. 3. Telehealth Services If you use our telehealth Services, you agree: To provide accurate and truthful information during consultations. To use a secure and private location for sessions. To adhere to all technological requirements, including the use of passcode-protected platforms. 4. Fees and Payment Payment Policy: Services are private pay only. We accept credit card payments. Rates: Fees include $400 for intake sessions, $200 for follow-ups, $800 monthly for weight loss treatment, and $200 for Suboxone treatment. Billing Cycle: Charges are made on a monthly basis, not per visit. Cancellation Policy: Appointments canceled with less than 24 hours’ notice may incur a cancellation fee. 5. Insurance Disclaimer Psychvisit does not accept insurance. You are responsible for submitting receipts to your insurance company for possible reimbursement, subject to their terms and conditions. 6. Patient Responsibilities As a consumer of Psychvisit services, you agree to: Provide honest, accurate, and complete health information. Follow treatment plans as advised. Notify us promptly of any changes to your health or personal information. Respect the time and professional boundaries of your provider. 7. Confidentiality and Privacy We are committed to maintaining the confidentiality of your information. Please refer to our Privacy Policy for details on how we collect, use, and protect your personal and health information. 8. Consent for Data Use By using our Services, you consent to the collection and use of your information, including but not limited to: Data collected via our check-in forms and Headlamp Health. Data shared during sessions for the purpose of providing care. Data used to improve services and comply with legal requirements. 9. Limitations of Liability Psychvisit is not liable for: Any adverse outcomes due to incomplete or inaccurate information provided by you. Interruptions in telehealth services due to technical issues beyond our control. Misuse of our services contrary to these Terms. 10. Termination of Services Psychvisit reserves the right to terminate or refuse services to individuals who: Exhibit inappropriate or aggressive behavior. Fail to adhere to treatment plans or policies. Violate any provision of these Terms. 11. Modifications Psychvisit may modify these Terms at any time. Updates will be posted on our website (www.mypsychvisit.com) with the effective date. Continued use of our Services constitutes acceptance of the modified Terms. 12. Governing Law These Terms shall be governed by the laws of the State of New York, without regard to its conflict of law principles. 13. Contact Information For questions or concerns regarding these Terms, contact us: Psychvisit120 Broadway, Suite DAmityville, NY 11701Phone: 631-440-1010Website: www.mypsychvisit.com Acknowledgment: By using our Services, you acknowledge that you have read, understood, and agreed to these Terms.

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