Financial Policy: Credit Card Storage & Authorization Policy

As a service to our patients, Familee & Women’s Health PLLC (“ClubMeno”) securely stores your credit card information through a HIPAA- and PCI-compliant payment processor. By enrolling in membership or providing a card on file, you authorize the Practice to process payments for membership fees and any additional services you receive.

Membership Commitment

ClubMeno Membership is a 12-month commitment designed to ensure continuity and excellence in women’s midlife care.

  • Payment Options: Membership fees are paid annually

  • Non-Refundable: Membership fees are non-refundable, including for unused services or partial months.

  • Early Cancellation: Early cancellation does not waive the remaining payments for the 12-month term. Membership fees are not prorated for any reason, including early termination, non-use of services, dissatisfaction with care, or provider unavailability.

  • Missed Payments: If a payment is missed, you will receive a reminder. Repeated missed payments may result in suspension of services.

  • Services not included: Membership fees do not include and do not cover laboratory testing, imaging, medications, medical devices, specialist consultations, hospital services, emergency care, or any services provided by third parties. Any such services are billed separately and are the sole responsibility of the Patient.

  • Collections. Unpaid balances may be referred to a third-party collections agency. The Patient agrees to be responsible for all reasonable costs of collection, including administrative fees, interest, and attorneys’ fees, where permitted by law.

  • Fee Adjustments. Membership fees are subject to change upon renewal. Any changes will be communicated in advance. Continued participation in the membership constitutes acceptance of the revised fees.

Authorization to Store & Charge

By providing a credit card, you authorize Familee & Women’s Health PLLC to:

  • Securely store your card information within a PCI-compliant payment system, and

  • Automatically bill your card for authorized membership fees, renewals, or other approved services.

You may revoke this authorization by submitting a written request to admin@clubmeno.com at least 15 business days before your next scheduled billing. Charges made prior to revocation will remain valid unless another payment method is provided.

Charges made prior to revocation, or charges authorized under a valid membership term, remain fully enforceable and due regardless of revocation.

We never store full card numbers on our servers. All payment data is encrypted and securely handled by our payment processor.

Important Notice

You understand that:

  • No hospital or healthcare provider may require pre-authorization or payment before providing emergency medical care.

  • By choosing to pay by credit card for non-emergency services, you may waive certain state and federal protections related to medical debt, unless the payment is made using a designated medical credit card program.

  • No Insurance Billing. The Practice does not bill insurance, Medicare, or other third-party payors. The Patient is solely responsible for payment of all fees and understands that the Practice makes no representation that any services are eligible for reimbursement. The Practice is not required to submit claims or provide billing codes unless required by law.

  • Third-Party Payment Processors. The Practice is not responsible for errors, outages, or security incidents attributable to third-party payment processors, except as required by applicable law.

  • No Contingency on Medical Outcomes. Financial obligations under this Policy are not contingent upon diagnosis, treatment outcome, Patient satisfaction, or agreement with medical recommendations.

Refund Policy

  • Membership fees and payments for services are non-refundable once billed, except as required by applicable law or at the discretion of the Practice.

  • Refunds may be issued in rare circumstances, such as:

    • Erroneous duplicate billing, or

    • Practice-initiated termination before the end of a prepaid period.

  • No refunds are provided for partial membership periods or unused services.

Payment Disputes

If you believe a charge was made in error, please contact the Practice immediately at Admin@clubmeno.com so we can resolve the issue promptly. You agree not to file a credit card chargeback without first giving the Practice a reasonable opportunity to address your concern.

Initiation of a credit card chargeback without first providing the Practice an opportunity to resolve the issue shall be considered a material breach of this Financial Policy. The Practice reserves the right to suspend or terminate services during the pendency of a chargeback and to recover administrative costs, chargeback fees, and collection expenses to the extent permitted by law.

Entire Financial Agreement. This Financial Policy constitutes the entire agreement regarding fees, payments, and billing and supersedes any prior verbal or written representations. In the event of a conflict between this Policy and other Practice materials, this Policy shall control.