Terms & Conditions

Last Updated: April 8, 2026

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the website located at https://xrphtoken.com (the “Site”) and any associated services provided by XRP Healthcare LLC (“Company”, “we”, “us”, or “our”).

By accessing or using this Site, you agree to be bound by these Terms.

2. Nature of the Platform

XRP Healthcare LLC operates infrastructure supporting healthcare payments and interoperability within a broader ecosystem.

The Site provides information about:

  • XRPH infrastructure
  • The XRPH Wallet
  • XRP-based healthcare payment systems
  • Application-layer integrations, including XRPH AI Rewards

The Site does not provide financial, investment, or medical advice.

3. Non-Custodial Services

The XRPH Wallet is a non-custodial wallet.

  • Users retain full control of their private keys
  • XRP Healthcare LLC does not store or control user funds
  • Users are solely responsible for safeguarding their credentials

The Company cannot recover lost wallets, keys, or funds.

4. No Financial or Investment Advice

Nothing on this Site constitutes:

  • Investment advice
  • Financial advice
  • Trading advice
  • A recommendation to buy or sell any digital asset

XRPH and any associated tokens are not offered as securities or investment products.

5. XRPH Token (Infrastructure Role)

XRPH is an infrastructure token designed to support:

  • Payment routing
  • Ecosystem interoperability
  • Utility within healthcare-related systems

Holding XRPH does not entitle users to:

  • Dividends
  • Profit sharing
  • Guaranteed rewards

6. Application Layer & XRPHAI

XRPHAI is an application-layer utility token used within engagement systems, including the XRPH AI App.

  • XRPHAI operates independently of XRPH infrastructure
  • Rewards are generated through application-layer activity
  • XRP Healthcare LLC may license use of tokens within ecosystem applications

7. Rewards System (General)

Rewards within the ecosystem are:

  • Based on verified usage and participation
  • Not guaranteed
  • Subject to system rules and validation

Rewards are not provided for passive holding of tokens.

Users may receive enhanced rewards based on:

  • Verified engagement
  • Ecosystem participation
  • Holding of relevant tokens within supported systems

Reward structures may be modified at any time.

8. Prescription Savings Card Rewards

The XRP Healthcare ecosystem includes a Prescription Savings Card program.

Important conditions:

  • Rewards related to Prescription Savings Card usage are not instant
  • Processing may take up to 60 days
  • This delay is due to:
  • Third-party validation
  • Pharmacy processing cycles
  • Transaction verification

Eligibility:

  • Users must complete qualifying transactions
  • Rewards are only issued after successful verification

Reward amounts:

  • Reward amounts are variable
  • Not fixed or guaranteed
  • Subject to program rules and adjustments

9. Reward Processing & Limitations

All rewards:

  • Are subject to verification
  • May be delayed or denied if conditions are not met
  • May be capped, adjusted, or modified

The Company reserves the right to:

  • Change reward structures
  • Modify eligibility criteria
  • Suspend or terminate reward programs

10. Future Reward Enhancements

The ecosystem may introduce enhanced reward mechanisms, including:

  • Tier-based reward boosts
  • Participation-based incentives
  • Multi-token interaction systems

Such mechanisms:

  • Will require active engagement
  • Will not reward passive holding alone
  • Will be subject to ongoing adjustment

11. No Guarantee of Availability

We do not guarantee:

  • Continuous availability of services
  • Accuracy of information
  • Ongoing support for any feature

Services may be updated, modified, or discontinued at any time.

12. Limitation of Liability

To the fullest extent permitted by law:

XRP Healthcare LLC shall not be liable for:

  • Loss of funds
  • Loss of access
  • Technical issues
  • Third-party failures
  • Delays in rewards or transactions

13. Third-Party Services

The ecosystem may interact with third-party services including:

  • Exchanges
  • Pharmacies
  • Payment processors

We are not responsible for third-party performance or failures.

14. Compliance & Jurisdiction

Users are responsible for complying with:

  • Local laws
  • Digital asset regulations
  • Tax obligations

Access to services may be restricted in certain jurisdictions.

15. Modifications

We reserve the right to update these Terms at any time.

Continued use of the Site constitutes acceptance of updated Terms.

16. Contact

For inquiries, contact:

XRP Healthcare LLC

Website: https://xrphtoken.com/contact

Open Infrastructure for XRP-Based Healthcare Payments

XRP Healthcare®️ operates as an independent infrastructure provider through XRP Healthcare LLC, the registered trademark owner.

The XRPH Wallet and XRP Payment Program framework form part of the XRP Healthcare®️ infrastructure architecture for healthcare payment deployment using the XRP Ledger (XRPL). The model emphasizes non-custodial design, interoperability, technical transparency, and regulatory clarity.

This infrastructure is open, modular, and structured for integration by pharmacies, healthcare networks, payment facilitators, and enterprise system providers seeking to deploy XRP-based payment rails within their own environments.

XRPH Wallet does not provide custody, brokerage, exchange, financial, or healthcare services. It is non-custodial software infrastructure.

Infrastructure-focused. Non-custodial. Governance-aligned.