Terms of Service

Agreement to Terms

By accessing our website, booking a session, or purchasing any service from Whole Living by CK Harris, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Services Provided

Whole Living by CK Harris ("the Practice," "we," "us," or "our") provides virtual (telehealth) occupational therapy services conducted by Dr. Cameron Harris, OTD, OTR/L, a licensed occupational therapist. By accessing our website, booking a session, or using our services, you ("the Client," "you," or "your") agree to the following terms in full. All services are:

• Delivered entirely online through the practice’s configured Sessions Health client-portal and telehealth workflow. No in-person services are offered at this time.
• Provided on a private-pay basis only. We do not bill, accept, or coordinate with any insurance provider, Medicare, or Medicaid. You are solely responsible for all fees.
• Available exclusively to adults 21 years of age and older who are physically located in North Carolina at the time of service.
• Delivered in either an individual (one-on-one) or group setting, depending on the service selected. In group sessions, you acknowledge that other clients will be present and may see and hear you.
• Occupational therapy services intended to support daily functioning, participation, and quality of life. They are educational and rehabilitative in nature and are not a substitute for medical, psychiatric, psychological, or emergency care.

Not Emergency Care. Our services do not constitute emergency, crisis, or urgent medical care. If you are experiencing a medical or psychiatric emergency, having thoughts of harming yourself or others, or are in crisis, do not use this service — call 911 immediately or go to your nearest emergency room. Whole Living by CK Harris is not equipped to respond to emergencies and does not provide on-call or after-hours crisis services.

No Guarantee of Outcomes. Occupational therapy outcomes vary by individual. We make no representation, warranty, or guarantee, express or implied, regarding any specific result, improvement, cure, or outcome from participation in our services. Results depend on numerous factors including your participation, effort, health status, and circumstances beyond our control.

Evaluation Policy. All treatment is based on a comprehensive Whole Living occupational therapy evaluation and an active plan of care. Each 6-session individual bundle includes a progress reassessment and plan-of-care review during the final treatment visit at no additional charge. A comprehensive re-evaluation is required before further individual treatment when 6 months have passed since the most recent comprehensive evaluation or after 18 individual treatment visits (3 bundles), whichever comes first, and sooner whenever clinically indicated because of a meaningful change in function, medical status, safety, goals, or telehealth appropriateness. Continued skilled OT is never automatic and remains subject to clinical appropriateness. Whole Living serves clients physically located in North Carolina; NCBOT does not require a physician order for private-pay occupational therapy evaluation or treatment.

Eligibility

• You must be 21 years of age or older to purchase services
• You must be physically located in North Carolina when receiving telehealth occupational therapy services
• You must have access to a device with a camera and stable internet connection
• You must provide accurate and complete information during registration

Payment Terms

Current pricing

• Comprehensive OT Evaluation: $300 · required clinical entry point before any treatment pathway; includes occupational profile, functional assessment, clinical interpretation, recommendations, and plan of care when indicated.
• Single Individual OT Session: $175 · one 60-minute individual treatment visit · current comprehensive Whole Living evaluation and active plan of care required.
• New-Client First-Care Package: $1,080 · comprehensive evaluation + six 60-minute individual treatment visits · evaluation included · $270 bundled savings compared with $1,350 separate value.
• Continuing 6-Visit Bundle: $840 · six 60-minute established-client treatment visits · current comprehensive evaluation and active plan of care required · $210 savings compared with six $175 single visits; visit 6 includes progress reassessment and plan-of-care review.
• 12-Week Individual Plan: $1,600 · twelve 60-minute visits in two clinically reviewed six-session phases at $800 per phase · current comprehensive evaluation and active plan of care required.
• Small-Group OT Series: $450 · six 30-minute visits · Saturdays 9:30–10:00 AM ET · 2–4 participants · current individual comprehensive evaluation and active plan of care required; group suitability, consent, and cohort confirmation also required.

Good Faith Estimate

If you are uninsured or choose not to use insurance to pay for care, you may have a federal right to a written Good Faith Estimate of expected charges. Review the Good Faith Estimate notice before scheduling or request an estimate from Whole Living.

Payment processing

Whole Living uses Stripe-hosted payment links for secure online payments and Sessions Health for scheduling, clinical onboarding, and client-portal workflow. Payment does not confirm clinical appropriateness or an appointment. Clients should not enter diagnoses or other unnecessary health information into Stripe payment fields. Credit/debit and eligible HSA/FSA cards may be used when supported by the card and benefit plan.

Cancellation & Scheduling Policies

Telehealth Consent

Occupational therapy services are provided exclusively through telehealth. By booking, paying for, or participating in any session, you provide your informed consent and acknowledge and agree that:

• Telehealth involves the delivery of occupational therapy services using interactive audio, video, and electronic communications technology while you and the provider are in different physical locations.
• You understand the potential benefits and the inherent limitations of virtual care, which differs from in-person services. The provider cannot physically touch, guide, or physically assist you, and cannot perform hands-on assessment or treatment.
• You consent to the use of audio and video technology for the delivery of your sessions, and you understand that the same standard of care and confidentiality rules apply as with in-person care.
• You are responsible for being in a private, safe, quiet, and appropriately equipped location during each session, free from distractions and from persons who are not part of the session.
• You are responsible for confirming and disclosing your physical location at the start of each session. Whole Living currently provides telehealth occupational therapy only when you are physically located in North Carolina.
• You are responsible for providing your own suitable device, internet connection, and environment. Technical difficulties, disruptions, or failures of technology may occur and may require rescheduling. We are not liable for technology failures outside our reasonable control.
• In the event of a technology failure during a session, you agree that the provider may attempt to reconnect, and if reconnection is not possible, the session may be rescheduled or continued by telephone at the provider's discretion.
• Telehealth may not be appropriate for all conditions or all individuals. If at any time the provider determines that telehealth is not suitable for your needs, you may be referred to in-person or other appropriate care.
• You have the right to withdraw your consent to telehealth services at any time, without affecting your right to future care or services to which you are otherwise entitled. Withdrawal of consent does not entitle you to a refund of fees already paid.
• You understand that the laws that protect the privacy and confidentiality of health information also apply to telehealth, and you have been informed of how your information is handled as described in our Privacy Policy.

Group Session Consent. Group services are delivered in a shared virtual setting. If you enroll in a group service, you specifically acknowledge and agree that: (a) you will join the same practice-approved group telehealth session as other clients who signed up for that group, and all participants (2 to 4 people) can see and hear one another; (b) you consent to participating on a call alongside other clients seeking similar support; (c) Dr. Harris will provide personal, individualized feedback to you during the session, which other participants may see and hear, and you may likewise see and hear the feedback given to others; (d) your private records, intake information, evaluation results, contact information, and personal data will never be shared, read aloud, or displayed to the group — only what you personally choose to say or show is visible to others; (e) you control what you disclose and are never required to share anything; and (f) you agree to keep confidential anything shared by other participants and not to record or repeat it. While the provider maintains professional confidentiality and requires the same of all participants, the provider cannot guarantee that other participants will honor these expectations, and you accept this inherent limitation as a condition of participating in group services.

Scope of Practice & Limitations

Whole Living by CK Harris provides occupational therapy services only, within the professional scope of practice of a licensed occupational therapist and within the bounds of Dr. Harris's competence and licensure. Our services are not a replacement for care from a physician, psychiatrist, psychologist, licensed counselor, or other healthcare provider. Our services do not include and shall not be construed as:

• Diagnosis of medical conditions
• Prescription of medications
• Emergency or crisis mental health services
• Physical or speech therapy services

If Dr. Harris determines that your needs exceed the scope of occupational therapy or telehealth services, you will be referred to appropriate in-person or specialist care.

Clinical Referral Out and Termination. We reserve the right to decline, discontinue, or refer out any client at any time if we determine, in our sole professional judgment, that our services are not appropriate, that your needs exceed the scope of virtual occupational therapy, that you are not a suitable candidate for telehealth or group services, or that continuing would be contrary to professional or ethical standards. Discontinuation for clinical appropriateness does not entitle you to a refund of services already rendered.

Intellectual Property

All content on this website — including text, graphics, logos, images, and session materials — is the property of Whole Living by CK Harris and protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works without express written permission.

Limitation of Liability

Please read this section carefully, as it limits our liability to you.

Assumption of Risk. You understand and voluntarily accept that participation in occupational therapy, including any exercises, activities, recommendations, or home programs provided, carries inherent risks. You agree to participate at your own risk and to consult your physician before beginning any new physical activity or program recommended during your sessions. You are responsible for performing activities safely within your own abilities and environment.

No Warranties. All services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, or any guarantee of specific therapeutic results.

Limitation. To the fullest extent permitted by law, Whole Living by CK Harris, Dr. Cameron Harris, and any affiliated persons shall not be liable for any indirect, incidental, special, punitive, or consequential damages of any kind — including but not limited to personal injury, property damage, lost income, emotional distress, or damages arising from technology failures, delays, interruptions, or the acts or disclosures of other group participants — arising from or related to your use of our website or services, even if advised of the possibility of such damages.

Cap on Liability. In no event shall our total aggregate liability to you for any and all claims arising out of or relating to the services exceed the total amount you actually paid to us for the specific service giving rise to the claim.

Indemnification. You agree to indemnify, defend, and hold harmless Whole Living by CK Harris and Dr. Cameron Harris from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the services, or your violation of any law or the rights of any third party.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability is limited to the greatest extent permitted by law.

Client Responsibilities

To participate in services, you agree that you will:

• Provide accurate, current, and complete information during registration, intake, and throughout your care, and promptly update any changes.
• Attend sessions from a private, safe, and quiet location, and confirm your physical location at the start of each session.
• Not record, screenshot, photograph, live-stream, or otherwise capture or distribute any portion of a session (audio, video, or images) without the provider's prior written consent. This applies to both individual and group sessions.
• Treat the provider and, in group settings, all other participants with respect, and maintain the confidentiality of anything shared by other group participants.
• Follow safety guidance and use professional judgment about your own physical limits when performing any recommended activity.
• Be solely responsible for your own health decisions and for consulting appropriate medical professionals as needed.

Failure to meet these responsibilities may result in suspension or termination of services without refund.

Confidentiality & Handling of Your Information

We take the privacy of your information seriously and handle it in accordance with applicable law and our Privacy Policy, which is incorporated into these Terms by reference. In summary:

• Public website forms are used for administrative inquiries only. Clinical intake, signed clinical forms, health information, treatment documentation, and appointment-management information are handled through the practice's designated clinical system and Sessions Health client-portal workflow, together with other approved practice tools as applicable.
• Your information is used only to provide, schedule, document, and support your occupational therapy services and to communicate with you.
• We do not sell, rent, trade, or share your personal or health information with any third party for marketing purposes. We do not disclose your information to anyone outside the Practice except as required to deliver the service (for example, our secure video and payment providers), as you authorize, or as required or permitted by law.
• We may be required to disclose information without your authorization in limited circumstances required by law, such as to prevent serious harm, in response to a valid legal order, or as mandated by reporting obligations.
• No method of electronic transmission or storage is 100% secure. While we use reasonable safeguards, we cannot guarantee absolute security, and you acknowledge this inherent risk of electronic communication and telehealth.

Recording Policy

Sessions are private. Neither you nor any other participant may record, screenshot, or capture any session without the provider's prior written consent. If the provider ever wishes to record any session for documentation or supervision purposes, your separate written consent will be obtained in advance. Unauthorized recording or distribution of any session is a violation of these Terms and may be unlawful.

Dispute Resolution & Arbitration

Most concerns can be resolved informally. You agree to first contact us in good faith to attempt to resolve any dispute before initiating formal proceedings. Any dispute, claim, or controversy arising out of or relating to these Terms or the services that cannot be resolved informally shall be resolved through binding arbitration on an individual basis, conducted in the state whose law governs these Terms, rather than in court, except that either party may seek relief in small claims court for qualifying claims. You and the Practice waive any right to a jury trial and agree not to participate in a class action. This provision does not apply where prohibited by law.

Governing Law

These Terms of Service are governed by the laws of the state in which Dr. Cameron Harris is primarily licensed to practice, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the updated terms.

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