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Supplemental Headway Payment Terms

Last Updated: May 22, 2024

These Supplemental Headway Payment Terms (“Payment Terms”) set forth additional terms and conditions relating to your payment of costs and fees associated with your use of Headway’s services (“Services”) and are in addition to, and not in lieu of, your obligations under any other agreed-upon financial terms (including, without limitation, those stated at “Assignment of Benefits / Financial Responsibility / Telehealth Consent” and Headway’s Terms of Service, which are fully incorporated by reference herein. Headway may modify these Payment Terms in its sole discretion without advance notice by either posting the modified Payment Terms on its site and/or by email notification. Material changes to these Payment Terms will be posted in a prominent place or manner. Please check our site to see any updates. All modified terms and conditions will be effective at the time they are posted, unless a longer notice period is required by applicable law or unless we specify an effective date. If any modified terms and conditions are not acceptable to you, your sole remedy is to cease using the Services, and, if applicable, cancel your account. IF YOU DO NOT AGREE WITH ANY OF THE CHANGES TO ANY OF THESE PAYMENT TERMS, YOU SHOULD CEASE ACCESSING OR USING HEADWAY SERVICES. By continuing to access or use our Services after Headway posts updates to these Payment Terms, you agree to be bound by the updated Payment Terms. These Payment Terms may not otherwise be modified or amended, except with the written agreement of both parties. These Payment Terms (together with the “Assignment of Benefits / Financial Responsibility / Telehealth Consent” and Headway’s Terms of Service) govern your use of and access to services on or through the Headway platform, and shall supersede and replace any other terms you have entered into previously with your provider and/or Headway.

1. Payment Authorization

When you provide your Payment Authorization to Headway, you authorize Headway to charge your credit card, debit card, HSA or FSA Card, and/or financial account number (collectively, “Payment Method”) in connection with any and all provider sessions you receive through the Headway platform and further authorize Headway to maintain your Payment Method on file to pay for any and all such sessions until you revoke your authorization. A copy of your current Payment Authorization is available through your Headway account.

By accessing the website at, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. Variable Payment Amounts and Timing

You understand and agree that the amount Headway charges your Payment Method and the timing of that charge depends on, among other things, the amounts your provider charges, the amounts your insurer pays on your behalf for your provider sessions, the timing of your insurer’s payment of those amounts, and the timing of your sessions. Headway provides you an estimate of the amount you would owe for each session at the time you book the session, but this amount could change depending on a number of factors, including those relating to your provider costs, insurance policy, or the nature of your appointment. Headway charges your Payment Method in the estimated amount immediately after completion of your provider session. Headway does not determine the amounts your provider charges for your session, the amounts your insurer chooses to pay, the amount of co-pay you owe, or whether your insurer will pay any costs related to your provider session. After your session is completed, Headway submits a claim relating to your provider session to your insurer and receives a determination from your insurer as to the amount it will pay for the session, as well as your cost sharing responsibility, from which we will calculate the final amount you owe for that session. We will charge your Payment Method any additional amounts you owe that exceed the estimated amount already charged to you. You understand and agree that the total charge you authorize Headway to make to your Payment Method ranges from the full cost of care to the amount of your co-pay, and you authorize us to charge your Payment Method for both the estimated amount of your provider session immediately after your session and charge your Payment Method any additional amounts you owe upon Headway receiving a final payment determination from your insurer. We will notify you (typically, by email) before we charge your Payment Method of the final amount you owe for a provider session. Headway may also adjust the amount of any charge to reflect any errors, refunds, chargebacks, or other adjustments that may occur.

3. Revoking Your Payment Authorization; Valid Payment Method

You may revoke your Payment Authorization at any time by contacting Headway. Revoking your Payment Authorization, however, will not affect any charges that are pending or have already been processed, and you understand and agree that you must have a valid form of payment with Headway on file until you have received a final payment notification and paid in full all amounts owed or pending. If you revoke your Payment Authorization, and you have a provider session for which you have not yet been fully invoiced or charged, you must provide Headway with another Payment Method to charge for that provider session. You will remain liable for any outstanding balances or fees that may result from your use of our Services.

4. Updates to and Sufficiency of Your Payment Method

You are responsible for ensuring that your Payment Method is valid, active, and has sufficient funds or credit available to cover the amounts you owe for your provider session. You agree to update your Payment Method promptly if it changes or expires. Headway is not responsible for any amounts charged that exceed your credit limit or costs you incur because charges result in non-sufficient funds.