Terms and Conditions of Use — OSAMMVC Virtual Office

This is an English translation provided for reference. In case of any discrepancy, the Spanish-language version prevails.

Version 1.0 — In force since August 1, 2026.

1. Purpose and acceptance

These Terms and Conditions ("T&C") govern the access to and use of the Virtual Office ("the OV", "the Application", "the Service") provided by the Obra Social Asociación Mutual Metalúrgica Villa Constitución (OSAMMVC), CUIT 30-70923882-1, with registered office at María Perrisol 615, Villa Constitución, Province of Santa Fe ("OSAMMVC"), in its web version and in its applications for iOS (App Store) and Android (Google Play).

Use of the Service implies the full and unreserved acceptance of these T&C and of the Privacy Policy. If the user does not agree, they must refrain from using the OV.

2. Definitions

• User: person who accesses the OV (member, dependent family member, employer, provider or authorized administrative staff).
• Member: beneficiary of OSAMMVC's coverage.
• Provider: health professional or entity that provides services.
• Service: the set of features of the OV (web and mobile app).

3. Scope of the Service

The OV is a self-management tool that allows, depending on the user's profile and availability: consulting the digital membership card and coverage data; booking, cancelling and rescheduling medical appointments; managing orders/authorizations of services; consulting procedures and their status; paying for services or orders through Mercado Pago; and receiving operational notifications.

The available features may vary depending on the user's profile, the contracted coverage and operational decisions of OSAMMVC.

4. Registration and user account

Access requires verification of member status and/or registration with the data requested by the OV. The user undertakes to: (i) provide truthful, accurate and up-to-date information; (ii) safeguard the confidentiality of their credentials; and (iii) notify any unauthorized use of their account. The user is responsible for the operations carried out from their account.

5. Permitted use and prohibited conduct

The user agrees to use the OV in accordance with the law, good faith and these T&C. It is prohibited, among others: to use the OV for unlawful purposes; to access or attempt to access third-party data; to compromise the security of the system; to automate access in an abusive manner; or to impersonate other persons. OSAMMVC may suspend or cancel accounts in the event of breaches or misuse.

6. Appointments

• The availability of appointments depends on the providers' schedules; OSAMMVC does not guarantee slots or specific times.
• The user may cancel or reschedule appointments within the conditions and deadlines defined in the OV.
• Repeated absenteeism or cancellation out of term may be subject to the policies that OSAMMVC establishes.
• Booking an appointment does not by itself imply the authorization of a service when the latter requires additional approval.

7. Orders and authorizations

The issuance, validity, scope and effective term of orders and authorizations of services are governed by OSAMMVC's coverage rules and the applicable regulations. The OV is a management channel; the effective coverage of each service remains subject to the conditions of the plan and to the validations that may apply.

8. Payments and refunds (Mercado Pago)

• Payments within the OV are processed through Mercado Pago. The user accepts the conditions and policies of that provider when operating.
• OSAMMVC does not store full card data; the transaction is managed by Mercado Pago.
• The applicable refunds/reimbursements (e.g. for cancellation or annulment of a paid order) are made through the same payment method, according to the applicable conditions and deadlines and the crediting times of Mercado Pago and/or the issuing entity.
• In the event of discrepancies in a payment or refund, the user may contact OSAMMVC's member service, which may guide them or refer them so they can file their complaint with Mercado Pago or to the entity that manages the payment method used (for example, the bank or card issuer).

9. Nature of the Service — Does not replace medical care

The OV is an administrative and management tool. It does not provide diagnosis, treatment or medical advice, and does not replace professional consultation or in-person care. In the event of a medical emergency or urgent situation, the user must immediately contact the emergency services or go to an emergency room.

10. Availability, maintenance and interruptions

OSAMMVC strives for the continuity of the Service but does not guarantee uninterrupted availability. The Service may be suspended in whole or in part due to maintenance, technical causes or force majeure. OSAMMVC may modify, add or discontinue features.

11. Liability

To the maximum extent permitted by law, OSAMMVC shall not be liable for damages arising from: (i) the misuse of the OV by the user; (ii) the temporary unavailability of the Service; (iii) errors or omissions in data entered by the user or by third parties; or (iv) failures of third parties unrelated to OSAMMVC (e.g. Mercado Pago, application stores, connectivity). Nothing in these T&C limits liabilities that cannot be excluded in accordance with current regulations, including the Consumer Protection Act No. 24,240 (Ley 24.240) insofar as it is applicable.

12. Intellectual property

The OV, its trademarks, logos, software, designs and content are the property of OSAMMVC and/or its technology provider and are protected by intellectual property regulations. Their reproduction, distribution or modification without authorization is prohibited.

13. Privacy and personal data

Data processing is governed by the Privacy Policy. Health data is stored in OSAMMVC's infrastructure; the platform's processing is carried out in Argentine territory with cybersecurity measures and backups, in accordance with Ley 25.326.

14. Mobile applications and stores

The apps are distributed through App Store (Apple) and Google Play (Google) and their use is also subject to the terms of those platforms. Updates may be necessary for the correct functioning and security of the Service. The stores are not responsible for the content or for the services of OSAMMVC.

15. Account cancellation

Members may cancel their account of the Virtual Office directly from the Profile section of the app/OV. The other profiles (providers, administrative and support staff) may request cancellation through user service, subject to operational needs and to the legal retention obligations. In all cases, the cancellation of the account does not cancel the membership or the coverage, and does not affect the data that OSAMMVC must retain by legal obligation (e.g. records of services and payments).

16. Modifications to the T&C

OSAMMVC may modify these T&C. New versions are published in this medium with their effective date. Subsequent use of the Service implies acceptance of the version in force.

17. Applicable law and jurisdiction

These T&C are governed by the laws of the Argentine Republic. For any dispute, the ordinary courts of the city of Villa Constitución, Province of Santa Fe shall have jurisdiction, without prejudice to the rights that the consumer protection regulations recognize to the user (including the possibility of bringing action before the courts of their own domicile).

18. Contact

OSAMMVC — Obra Social Asociación Mutual Metalúrgica Villa Constitución, María Perrisol 615, Villa Constitución, Province of Santa Fe, Argentina. User service: atencionalusuario@osammvc.com.ar — or the Support channel within the Virtual Office.