Terms and Conditions

Effective Date: October 25, 2025 Last Updated: May 26, 2026 These Terms and Conditions (these "Terms") form a binding agreement between Lice Protection Plan, LLC, a Missouri limited liability company ("LPP," "we," "us," or "our"), and the person or entity enrolling in the LPP Head Lice Protection Plan (the "Plan"). By enrolling, you agree to these Terms. Please read carefully. These Terms include important information about cancellation, limitations on our payment obligations, governing law and venue, waiver of jury trial, and limitations on our liability.

1. What the Plan Is and Is Not

The Plan is a prepaid service plan under which LPP pays for eligible professional head lice treatment services, up to specified limits, when head lice (pediculosis capitis) is confirmed during the Plan term. The Plan is not insurance. LPP is not licensed as an insurer and the Plan is not regulated as insurance in any state. LPP does not provide medical services. All screening and treatment is performed by independently owned and operated professional lice treatment providers ("Providers") chosen by the enrolled individual or their family. Providers are not employees, agents, or representatives of LPP. LPP has no control over the services Providers offer and no responsibility for the quality or outcome of those services.

2. Who Can Enroll

The Plan is available to individuals residing in the United States. Anyone under 18 must be enrolled by a parent or legal guardian, who agrees to these Terms on the minor's behalf. By enrolling another person (including a child), you represent that you have legal authority to do so.

3. Enrollment, Plan Term, and Waiting Period

Enrollment. To enroll, you must provide the name, date of birth, mailing address, email address, and (where applicable) the school or organization of each individual to be covered (each, an "Enrollee"). Plan term. The Plan term is twelve (12) months, beginning fourteen (14) days after the date LPP receives payment in full (the "Effective Date"). Waiting period. The fourteen (14) days between payment and the Effective Date is a waiting period. The Plan does not pay for screening or treatment of head lice confirmed before the Effective Date. If you re-enroll within thirty (30) days after the expiration of a prior Plan term during which you were continuously enrolled, the 14-day waiting period does not apply to your new term. Otherwise, the 14-day waiting period applies to each new enrollment. No automatic renewal. The Plan does not renew automatically. Coverage ends at the end of the Plan term unless you affirmatively re-enroll and pay the then-current enrollment fee. We will not charge your payment method without a new enrollment action by you.

4. Enrollment Fees

The current enrollment fee is published on our website at the time of enrollment. Different fees may apply for individual family enrollments, school-coordinated enrollments, and organization-coordinated enrollments. You agree to pay the enrollment fee in full at the time of enrollment. Fees are not pro-rated.

5. How the Plan Works

If you suspect an Enrollee has head lice during a Plan term: Choose a Provider, either independently or by contacting LPP for help locating Providers in your area. LPP does not recommend specific Providers and does not warrant their services. Have the Enrollee screened. Providers may charge a fee for screening. If the screening does not confirm head lice, you are responsible for the full screening fee. The Plan does not pay screening fees when head lice is not confirmed. If head lice is confirmed, LPP pays eligible treatment costs as set forth in Section 6 below. Depending on the situation, LPP may pay the Provider directly or reimburse the family after the family pays the Provider. LPP determines the payment method in its reasonable discretion. To request payment, you must submit (i) the Provider's itemized invoice or receipt clearly showing that head lice was confirmed, the date of service, the service performed, and the amount charged, and (ii) any other documentation LPP reasonably requests. Requests must be submitted within ninety (90) days after the date of service.

6. Plan Payment Limits and Excluded Costs

Per-visit limit: LPP pays up to two hundred fifty dollars ($250.00) per eligible treatment visit. You are responsible for any amount above this limit. Per-term limits: Each Enrollee is limited to three (3) eligible treatment visits per Plan term and a maximum aggregate payment limit of seven hundred fifty dollars ($750.00) per Plan term. The Plan does not pay for: a. Screening or treatment of head lice confirmed before the Effective Date; b. Treatment costs above $250.00 per visit; c. More than three (3) eligible treatment visits per Enrollee per Plan term; d. More than $750.00 in total benefits per Enrollee per Plan term; e. Screening fees when head lice is not confirmed; f. Products (including but not limited to combs, shampoos, sprays, or take-home treatment kits) recommended or sold by a Provider; g. Services for individuals not enrolled in the Plan; h. Conditions other than head lice (pediculosis capitis); i. Services performed by anyone other than a professional lice treatment Provider operating in a clinic or comparable facility; j. Services performed outside the United States; k. Travel, lodging, lost wages, or any incidental costs; l. Any services not expressly described in these Terms.

7. End of Plan Term

Your Plan ends on the last day of its 12-month term. As a courtesy, we may send you a reminder email before expiration so you can decide whether to re-enroll. No charge is made unless you complete a new enrollment. If you choose to re-enroll, the terms in effect at the time of re-enrollment will apply, including any changes to the enrollment fee or these Terms.

8. 30-Day Refund Right

If you enrolled as an individual family (not through a school or organization), you may cancel within thirty (30) days of your initial enrollment by sending written notice to clenzen@liceprotectionplan.com. If no eligible treatment visits have been used and no request for payment has been submitted, we will refund the enrollment fee in full. After the 30-day period, the Plan is non-refundable except as required by applicable law. School and organization enrollments are subject to the cancellation terms negotiated between LPP and the school or organization.

9. Changes to Coverage During a Term

You may add Enrollees during a Plan term by paying the applicable enrollment fee. Added Enrollees are subject to a fourteen (14) day waiting period from the date their enrollment fee is received. You may not remove or substitute Enrollees during a Plan term except as required by applicable law.

10. School and Organization Administrative Fees

Schools and organizations that coordinate enrollment for their families (collecting information, distributing materials, communicating with families, and similar activities) may receive an administrative fee from LPP in recognition of that work. This fee compensates the school or organization for administrative effort, not for endorsement of the Plan. Schools and organizations participating in this arrangement are responsible for complying with their own procurement, ethics, conflict-of-interest, and fundraising policies, and with all applicable laws. LPP does not provide legal or compliance advice to schools or organizations.

11. HSA and FSA

Enrollment fees may be paid by credit card, debit card, or other accepted payment methods. Some payment processors will accept Health Savings Account (HSA) or Flexible Spending Account (FSA) cards. LPP makes no representation or warranty that Plan enrollment fees or any amounts paid under the Plan qualify as eligible HSA or FSA expenses, or as deductible medical expenses, under the Internal Revenue Code or any other tax law. Eligibility is determined solely by your plan administrator and applicable tax authorities. We strongly recommend you consult your plan administrator or tax advisor before using HSA or FSA funds. Upon request, we can provide itemized documentation describing services covered under the Plan. We do not provide tax advice.

12. Privacy

Our collection, use, and disclosure of personal information is described in our Privacy Policy, which is incorporated into these Terms. By enrolling, you consent to our collection and use of personal information as described in the Privacy Policy.

13. Disclaimers

LPP DOES NOT PROVIDE MEDICAL SERVICES. LPP is not a healthcare provider and does not screen, diagnose, or treat head lice or any other condition. All medical services are provided by independent Providers selected by you. NO WARRANTY REGARDING PROVIDERS. LPP makes no representation or warranty, express or implied, regarding the quality, safety, effectiveness, or availability of services offered by any Provider. Providers are not LPP's agents or representatives, and LPP is not responsible for their acts or omissions. YOUR CHOICE OF PROVIDER IS YOUR OWN. THE PLAN IS PROVIDED "AS IS." EXCEPT AS EXPRESSLY SET FORTH IN THESE TERMS, LPP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LPP'S TOTAL CUMULATIVE LIABILITY UNDER THESE TERMS OR THE PLAN, FOR ANY AND ALL CLAIMS, SHALL NOT EXCEED THE TOTAL ENROLLMENT FEES YOU HAVE PAID TO LPP IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IN NO EVENT WILL LPP BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST OPPORTUNITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF LPP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some states do not allow the limitation or exclusion of certain damages. In those states, the limitations above apply only to the extent permitted by law.

15. Force Majeure

LPP is not in breach of these Terms for any failure or delay caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics or other public health events, government action, labor disputes, power or telecommunications failures, or the unavailability of Providers.

16. Governing Law; Venue; Jury Trial Waiver

These Terms and any dispute arising from or relating to them or the Plan are governed by the laws of the State of Missouri, without regard to its conflict of laws principles. Any action or proceeding shall be brought exclusively in the state or federal courts located in St. Louis County, Missouri, and you consent to personal jurisdiction in those courts. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY WAIVES THE RIGHT TO A JURY TRIAL IN ANY ACTION OR PROCEEDING ARISING FROM OR RELATING TO THESE TERMS OR THE PLAN. If you reside in a state whose laws give you non-waivable rights inconsistent with this Section, those rights apply.

17. Changes to These Terms

We may update these Terms from time to time. The updated Terms will apply to new enrollments and re-enrollments occurring after the effective date of the change. They will not retroactively change the per-visit or per-term Plan limits for claims based on services received before the effective date of the change.

18. Assignment

You may not assign or transfer your rights under the Plan. LPP may assign these Terms to a successor entity, including in connection with a sale, merger, or reorganization.

19. Entire Agreement; Severability

These Terms, together with our Privacy Policy and any enrollment confirmation, are the entire agreement between you and LPP regarding the Plan and supersede all prior agreements and communications. If any provision is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

20. Contact

Lice Protection Plan, LLC St. Louis, Missouri 63141 Email: clenzen@liceprotectionplan.com