Terms of Service

Effective date: March 16, 2026  ·  Last updated: March 16, 2026

Plain English Summary Cordio calculates your cardiovascular risk score using validated clinical models. It is an educational tool — not a medical device, not a doctor, and not a substitute for professional medical advice. You must be 18 or older to use it. Don't use the scores to make medical decisions without consulting a doctor.

1. Acceptance of Terms

By downloading, installing, or using the Cordio mobile application or website at cordio.app ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and Cordio Health ("Cordio", "we", "us", "our"). By creating an account, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy.

2. Eligibility

You must be at least 18 years old to use Cordio. By using the Service, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into a binding agreement
  • You will use the Service only for lawful purposes
  • All information you provide to Cordio is accurate and truthful to the best of your knowledge

3. Medical Disclaimer — Please Read Carefully

Important Medical Notice Cordio is NOT a medical device. It does NOT provide medical advice, diagnoses, or treatment. The cardiovascular risk scores, heart age calculations, and all other health information provided by Cordio are for educational and informational purposes only.

You acknowledge and agree that:

  • Cordio's risk scores are estimates based on statistical population models and may not accurately reflect your individual health status
  • The Framingham Heart Study 2008 model used by Cordio is validated for individuals aged 30–74. Results for users outside this age range are estimates only
  • Cordio's calculations are based on data you provide. Inaccurate input data will produce inaccurate results
  • A low risk score does not mean you will not experience a cardiovascular event. A high risk score does not mean you will
  • Cordio's output should never be used as the sole basis for medical decisions
  • You must consult a qualified healthcare professional before making any changes to your health, medication, diet, or exercise routine based on Cordio's output
  • If you are experiencing a medical emergency, call emergency services immediately — do not rely on Cordio

Cordio is not a substitute for professional medical care. The Service does not establish a doctor-patient relationship between you and Cordio or any of its personnel.

4. Your Account

To use Cordio, you must create an account. You are responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activity that occurs under your account
  • Notifying us immediately at support@cordio.app if you suspect unauthorised access to your account
  • Ensuring your account information remains accurate and up to date

You may not share your account with others or create accounts on behalf of other individuals without their knowledge and consent. Each account is for a single individual user.

5. The Service

Cordio provides the following services subject to these Terms:

  • Cardiovascular risk score calculation using the Framingham Heart Study 2008 model
  • Heart age estimation based on your biomarker profile
  • Personalised risk driver analysis and action plan generation
  • Lab report PDF upload and automated biomarker extraction
  • Risk trend tracking over time
  • Doctor's report generation for sharing with healthcare providers
  • Risk simulation tools (Pro tier)
  • Pattern detection and early warning notifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

6. Subscription and Payments

Free Tier: Cordio offers a free tier that includes basic cardiovascular risk assessment features. The free tier is available indefinitely subject to these Terms.

Cordio Pro: Cordio offers a paid subscription ("Pro") that unlocks additional features including unlimited lab uploads, risk simulator, trend tracking, and doctor's reports. Pro subscription terms:

  • Subscriptions are billed in advance on a monthly or annual basis
  • Payment is processed through the Apple App Store or Google Play Store
  • Subscriptions automatically renew at the end of each billing period unless cancelled
  • You may cancel at any time through your App Store or Google Play account settings
  • Cancellation takes effect at the end of the current billing period — you retain Pro access until then
  • No refunds are provided for partial subscription periods, except as required by applicable law
  • We reserve the right to change subscription pricing with 30 days' advance notice

Early Access: During our initial launch period, certain Pro features may be made available at no charge. This is subject to change at our sole discretion.

7. Health Data and Accuracy

You are responsible for the accuracy of the health data you enter into Cordio. You acknowledge that:

  • The quality of Cordio's risk assessments depends entirely on the accuracy of the data you provide
  • You should only enter data from recent, professionally conducted blood tests where possible
  • Self-reported values may differ from clinically measured values
  • Lab values from different laboratories may use different reference ranges and measurement units
  • Cordio uses mg/dL as the default unit for cholesterol measurements. If your results are in mmol/L, please convert them before entering

8. Acceptable Use

You agree not to:

  • Use Cordio for any unlawful purpose or in violation of any applicable laws
  • Attempt to gain unauthorised access to any part of the Service or its infrastructure
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use automated tools (bots, scrapers) to access the Service
  • Upload false, misleading, or fabricated health data with the intent to misuse the Service
  • Use Cordio to make clinical decisions for other people without their knowledge and consent
  • Share, resell, or commercially exploit the Service without our written permission
  • Interfere with the normal operation of the Service or other users' access to it

9. Intellectual Property

All content, features, and functionality of the Cordio Service — including but not limited to the software, text, graphics, logos, user interface designs, and the risk calculation methodology — are owned by Cordio and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Cordio app for your personal, non-commercial use in accordance with these Terms.

You retain ownership of the health data you upload to Cordio. By uploading data, you grant Cordio a limited licence to process that data solely for the purpose of providing the Service to you.

10. Privacy

Your use of Cordio is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using Cordio, you consent to the collection and use of your information as described in the Privacy Policy.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

  • Cordio is provided "as is" and "as available" without warranties of any kind
  • We do not warrant that the Service will be uninterrupted, error-free, or completely secure
  • We are not liable for any health outcomes, medical decisions, or consequences arising from your use of Cordio's risk assessments
  • Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid to Cordio in the 12 months preceding the claim
  • We are not liable for any indirect, incidental, special, consequential, or punitive damages

12. Indemnification

You agree to indemnify and hold harmless Cordio, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of a third party.

13. Termination

We may suspend or terminate your account at any time if we believe you have violated these Terms, with or without notice. You may delete your account at any time from within the app (Profile → Account → Delete my data).

Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination will do so, including but not limited to: Medical Disclaimer, Limitation of Liability, and Indemnification.

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you via push notification and email at least 14 days before the changes take effect. Your continued use of the Service after that date constitutes your acceptance of the updated Terms.

If you do not agree to the updated Terms, you must stop using the Service and delete your account before the effective date.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. For users in India, mandatory consumer protection provisions under Indian law remain applicable and are not waived by this clause.

16. Contact

If you have any questions about these Terms, please contact us: