Terms and Conditions

NOA Health · Version of 06.09.2026

NOA Health GmbH, Friedrichstrasse 13, 70174 Stuttgart, Germany

This is a translation of the German “Allgemeine Geschäftsbedingungen”. The German version is the language of the contract and governs; the translation is provided for information only. You will find the binding version at noa.health/agb.

Section 1 Scope and contracting parties

(1) These General Terms and Conditions (the “Terms”) apply to the use of the website noa.health (the “Website”), the NOA app (the “App”) and to all services offered and arranged through the Website and the App (together the “NOA Platform”). They govern the contractual relationship between NOA Health GmbH, Friedrichstrasse 13, 70174 Stuttgart, registered in the commercial register of the Stuttgart Local Court under HRB 805619, represented by its managing directors Dr Claire Coffey, Mathis Limmeroth and Luca Brezing (“NOA”), and the user, in the version in force at the time the respective contract is concluded.

(2) Contact: NOA Health GmbH, Friedrichstrasse 13, 70174 Stuttgart, Germany, email: info@noa-health.de.

(3) These Terms apply exclusively to consumers within the meaning of Section 13 of the German Civil Code (BGB). Separate terms apply to offers made to businesses.

(4) Use of the NOA Platform requires the user to accept these Terms. Acceptance is given by ticking the corresponding box during registration or booking. The current version of the Terms is available at all times on the Website and in the App.

(5) Terms of the user that differ from, conflict with or supplement these Terms do not become part of the contract unless NOA expressly agrees to their application.

Section 2 NOA's services

(1) NOA operates a platform for preventive health diagnostics. Through the Website, users can take out the NOA Core subscription and book add-on packages, retest upgrades and additional services. The App serves in particular to complete the health history questionnaire, to display test results, calculated values and medical findings, and to upload laboratory results the user already holds.

(2) Core subscription. The NOA Core subscription covers one Core blood test per contract year, consisting of the blood draw at a partner location and the analysis of the biomarker panel set out in the service description (the “Core panel”) by an external specialist laboratory. Use of the App to view and interpret the results is included in the Core subscription for the term of the contract and is not charged separately. The scope of the Core panel and of the functions provided in the App follows from the service description on the Website at the time of booking. The Core blood test must be taken within the respective contract year; a Core blood test not taken expires at the end of the contract year, unless NOA is responsible for it not being taken.

(3) Add-on packages. Users with a Core subscription may book one or more add-on packages for a separate fee (currently Performance, Hormone Balance, Lipoprotein(a) and Omega-3). An add-on package extends the Core panel by the biomarkers named in the service description and is analysed from the same blood sample as the Core blood test of the respective contract year. Add-on packages may be booked together with the Core subscription and, where NOA offers this, before the start of a further contract year. Add-on packages require an active Core subscription and cannot be booked on their own.

(4) Retest upgrades. Users with a Core subscription may book a retest upgrade for a separate fee. The retest upgrade entitles the user, per contract year, to the number of additional blood tests named in the service description (“retests”; currently two or four retests per contract year may be selected) in addition to the Core blood test. A retest comprises the blood draw at a partner location and the analysis of the retest panel set out in the service description, which is reduced compared with the Core panel. Add-on packages are not part of a retest. Retests must be taken within the contract year for which they were booked; they cannot be carried over into the following contract year. NOA reminds the user in good time before the end of the contract year of any retests not yet taken. Retest upgrades may be booked together with the Core subscription and, where NOA offers this, before the start of a further contract year; they require an active Core subscription and cannot be booked on their own.

(5) Additional services. Users with a Core subscription may in addition book, for a separate fee, the medical review of test results by a partner doctor, selectable per blood test. The review comprises the interpretation of the laboratory values in combination with the health history collected through the App, including specific recommendations. Further additional services may be set out in the service description on the Website.

(6) NOA does not itself provide medical services. Blood draws are carried out by independent partner locations, laboratory analyses by external specialist laboratories, and medical services (review, teleconsultation) by independent partner doctors. A current overview of the available partner locations is available on the Website and in the App. Following a review, NOA merely arranges, at the user's request, the opportunity to book a video consultation (teleconsultation) directly with the partner doctor; booking, delivery and billing of the teleconsultation take place exclusively between the user and the partner doctor and are not part of NOA's services.

(7) If the user does not book a medical review, the service is limited to the technical provision of the laboratory report together with the values calculated from it and automatically generated explanations in the App. In that case NOA gives no diagnoses, recommendations or medical advice. Calculated values and automatically generated explanations (including AI-supported analyses) are not a medical assessment. It is the user's sole responsibility to act on the results and to seek medical advice in the event of abnormal values or symptoms.

(8) The NOA Platform is not an emergency service and is not suitable for detecting or treating acute or life-threatening conditions. In a medical emergency, call the emergency number 112 immediately.

Section 3 Conclusion of contract and contract structure

(1) The contract for the use of the NOA Platform is concluded between NOA and the user upon completion of registration.

(2) The Core subscription and the booking of add-on packages, retest upgrades and additional services take place exclusively through the Website. By clicking the button “order with obligation to pay” (or a button with equivalent wording), the user submits a binding offer. The contract is concluded when NOA's confirmation email reaches the user. No payments are made through the App.

(3) By booking a medical review, a treatment contract within the meaning of Section 630a BGB is concluded directly and exclusively between the user and the respective partner doctor. The same applies to the blood draw (contract with the respective partner location) and the laboratory analysis (contract with the respective specialist laboratory). NOA does not become a party to those contracts; medical and legal responsibility for those services lies with the respective provider.

(4) Teleconsultations are not booked or billed through the NOA Platform. Appointments are arranged through the external service Doctolib directly between the user and the partner doctor; the terms of Doctolib and of the partner doctor apply in that respect.

(5) Registration and use of the NOA Platform are permitted only to natural persons aged 18 or over and only in their own name. By booking, the user confirms that they are of full age. Partner locations are entitled to verify age and identity by means of an identity document before providing the service.

(6) All services are self-pay services. NOA does not bill statutory or private health insurers; reimbursement by any payer is not assured.

(7) Partner locations and partner doctors may refuse or discontinue the provision of services on medical grounds (for example if no suitable vein can be found or the volume of blood drawn is insufficient). In that case a replacement appointment is offered; if no replacement appointment comes about, fees already paid for services not provided are refunded.

Section 4 Term, renewal, termination

(1) The Core subscription has an initial term of 12 months from conclusion of the contract (the “contract year”).

(2) If the Core subscription is not terminated with one month's notice to the end of the initial term, it continues for an indefinite period. After renewal, the user may terminate the Core subscription at any time with one month's notice. Each further contract year within the meaning of these Terms begins on the anniversary of the conclusion of the contract. If, after renewal, the Core subscription ends by termination before a full contract year has elapsed, the fee paid annually in advance for that contract year is refunded provided the Core blood test for that contract year has not yet been taken; if it has already been taken, the fee for the contract year has been earned and access to the App remains in place until the end of the contract year.

(3) Add-on packages and retest upgrades run tied to the Core subscription: their term ends with the current contract year of the Core subscription and is extended with it by a further contract year, unless the user terminates the add-on package or retest upgrade with one month's notice to the end of the contract year. Add-on packages and retest upgrades may be terminated independently of the Core subscription; terminating the Core subscription ends all add-on packages and retest upgrades at the same time.

(4) Termination may be declared using the cancellation button on the Website (“Cancel contracts here”) or by email to info@noa-health.de. Text form is sufficient. NOA confirms receipt of the termination without undue delay in text form.

(5) The right of either party to terminate for good cause remains unaffected.

(6) Access to the App ends when the Core subscription ends. The user may export their test results and findings as a PDF at any time during the term using the App's export function; NOA recommends doing so before the contract ends. On request, NOA will also make the user's test results and findings available in a common format after the contract has ended, within the statutory periods. Statutory retention obligations of the treating doctors in respect of treatment records (10 years, Section 630f BGB) remain unaffected.

(7) Additional services under Section 2 (5) (in particular the medical review) are individual services without a term of their own; booking them requires an active Core subscription.

Section 5 Appointments, preparation, rebooking, cancellation

(1) Blood draws take place by prior appointment at a partner location chosen by the user. The appointment is booked in the booking process on the Website or through the App; the fee for the underlying service has already been paid on booking or is billed in accordance with Section 7.

(2) Booked appointments may be moved or cancelled by the user free of charge at any time. Rebooking takes place through the NOA Platform or by email to info@noa-health.de.

(3) The user attends the booked appointment on time and brings a valid identity document.

(4) Preparation instructions must be observed for individual biomarkers to be meaningful; NOA provides these to the user before the appointment in the App and by email (in particular fasting before the blood draw and a blood draw in the morning for hormone-dependent values). If the preparation instructions are not followed, individual values may be of limited use; there is no entitlement to a free repeat of the blood test in that case.

Section 6 Health history and medical review

(1) Before a medical review, the user completes a health history questionnaire in the App. The health history is the basis of the medical review. The user is obliged to provide complete and truthful information; incomplete or incorrect information may impair the quality and accuracy of the review and is not to the detriment of the partner doctor or of NOA in that respect.

(2) The medical review can only be produced once the health history is complete. If the health history is not yet available when the laboratory results arrive, NOA reminds the user by email; until it is completed, the results are not passed on to the partner doctor.

(3) The review is carried out by a partner doctor arranged by NOA. The user is informed without undue delay after booking which partner doctor has been assigned and may cancel the review free of charge and without giving reasons until it has been produced (a declaration in text form is sufficient, for example to info@noa-health.de); in that case the medical fee is not debited. Where several partner doctors are available, the user may request through support that a different partner doctor be assigned.

(4) The medical review is produced by the partner doctor and made available to the user in the App. The partner doctor alone is responsible for the content and recommendations of the review.

(5) Following a review, the user may arrange a teleconsultation directly with the reviewing partner doctor (Section 3 (4)). Booking, delivery and billing lie exclusively with the partner doctor.

Section 7 Prices and payment terms

(1) The prices displayed on the Website at the time of booking apply. Prices are inclusive of statutory value added tax where this applies.

(2) Medical services (in particular the review) are provided by the partner doctors as medical treatment and are exempt from value added tax under Section 4 no. 14 of the German VAT Act (UStG). The partner doctors' remuneration follows the German Scale of Fees for Doctors (GOÄ); the respective fee is shown to the user before booking.

(3) Payments for medical services are made directly to the respective partner doctor through the payment service provider Stripe; technically, the payment is made directly to the partner doctor's payment account. NOA is at no point the recipient of these payments, does not collect the partner doctors' claims and does not operate any dunning process.

(4) If the user selects the medical review (per blood test), their payment method is stored with the payment service provider. The medical fee is only debited once the partner doctor has produced the respective findings and issued their invoice; the user gives their express consent to this when booking. Until the findings have been produced, the review may be cancelled free of charge in accordance with Section 6 (3); in that case no debit is made. If the debit fails, the user receives a payment request with a payment link; provision of the findings is unaffected by this.

(5) NOA supports the partner doctors as a billing aid in producing their invoices; the invoice is produced in the name and on behalf of the respective partner doctor and is only made available after the doctor has released it. By booking, the user consents to the data required for billing being transmitted to NOA for that purpose and releases the partner doctor from medical confidentiality to that extent.

(6) Payments are processed through the payment service provider Stripe. The available payment methods are shown at checkout.

(7) The fees for the Core subscription, add-on packages and retest upgrades are each payable annually in advance and are collected using the payment method stored by the user.

(8) NOA may adjust the fees for the Core subscription, add-on packages and retest upgrades with effect for the following contract year to the extent that the costs of laboratory analyses, blood draws, payment processing or operating the App have changed, and at most to the extent of that change in costs. NOA informs the user in text form at least six weeks before the price change takes effect. If the increase is more than 5 % compared with the previous fee, the user may terminate the affected contract extraordinarily with effect from the end of the current contract year until the change takes effect; NOA points this out in the notification. NOA passes on price reductions in the same way.

(9) Invoices (including the partner doctors' invoices) are made available to the user in the App under “Documents”; the user is notified of new invoices by email.

Section 8 App: registration, technical requirements, updates, availability

(1) The App is available for iOS (version 16.4 or later); an Android version is in preparation. The current technical requirements are stated in the App Store and on Google Play. Before taking out the Core subscription, the user is informed of the supported operating systems.

(2) Use of the App requires registration and an active Core subscription. The user keeps their access credentials confidential and informs NOA without undue delay if unauthorised use of their account is suspected.

(3) Using the upload function, the user can upload laboratory results they already hold into the App. NOA's service is limited in that respect to displaying and managing the uploaded results; NOA does not review or medically assess their content unless the user books a medical review.

(4) During the term of the contract, NOA provides the updates required for the contractual use of the App, including security updates, and informs the user of them (Section 327f BGB). If the user does not install an update provided within a reasonable period, NOA is not liable for defects that are attributable solely to the absence of that update.

(5) NOA aims for continuous availability of the App. This does not cover periods of necessary maintenance and back-up work; NOA keeps any resulting restrictions as short as possible.

Section 9 Users' obligations

(1) The user provides complete and truthful information on registration, booking and in the health history, and keeps it up to date.

(2) Registration and use are permitted only in the user's own name. Registering for third parties or submitting other people's samples is prohibited. In the event of breaches or other misuse, NOA may block the account and terminate contracts for good cause.

(3) Content of the NOA Platform may be used only for personal, non-commercial purposes. Passing it on, reproducing it or making it publicly available without NOA's consent is prohibited.

(4) The user refrains from anything that may impair the functioning of the NOA Platform, in particular introducing malware, automated data extraction and attempts at unauthorised access.

Section 10 Health-related notes

(1) The content of the NOA Platform (for example articles, descriptions of biomarkers and reference ranges, calculated scores and automatically generated explanations) is for general information. It does not constitute medical advice and does not replace examination, diagnosis or treatment by a doctor.

(2) Test results without a medical review are not a diagnosis. Users who have an illness or symptoms should seek medical advice regardless of the test results.

(3) Individual biomarkers are of limited meaning depending on sex, age, time of day of the blood draw or medication. NOA points out such limitations in the service description and in the App.

(4) NOA's offering serves prevention and is not designed to detect or treat acute illnesses.

Section 11 Changes to the services

(1) NOA may change or develop the NOA Platform where there is valid reason to do so (for example adaptation to a new technical environment, legal or regulatory requirements, improving security, developing functions) and the change is reasonable for the user. Such changes give rise to no additional costs for the user.

(2) NOA may adjust the composition of the Core panel, the add-on packages and the retest panel with effect for the following contract year where there is valid reason to do so (in particular changes in the availability or methodology of individual analyses at the specialist laboratories, new scientific findings on the significance of individual biomarkers, legal or regulatory requirements) and the overall value of the service to the user is not materially reduced. Where a biomarker is discontinued, it is replaced where possible by an equivalent biomarker. NOA informs the user in text form at least six weeks before the change takes effect; the user may terminate the affected contract with effect from the end of the current contract year until the change takes effect.

(3) If a change impairs access to, or the usability of, essential functions of the App by more than an insignificant amount, NOA informs the user in advance in text form in good time; the user's statutory rights (Section 327r BGB) remain unaffected.

Section 12 Liability

(1) NOA is liable without limitation for intent and gross negligence and under the German Product Liability Act.

(2) In cases of slight negligence, NOA is liable only for injury to life, body or health and for breach of material contractual obligations. Material contractual obligations are those whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance the user may regularly rely. In the latter case, liability is limited to the foreseeable damage typical of this type of contract.

(3) In all other respects, NOA's liability for slight negligence is excluded.

(4) For services of the partner doctors, partner locations and specialist laboratories with which the user concludes separate contracts (Section 3 (3)), only the respective provider is liable. NOA's liability for its own fault in selecting these partners remains unaffected.

Section 13 Data protection

(1) NOA processes the user's personal data, including health data, exclusively in accordance with the privacy notice, available at noa.health/datenschutz. Health data is processed only on the basis of the user's express consent (Article 9 (2) (a) GDPR) or another legal basis.

(2) To provide its services, NOA uses carefully selected service providers, in particular for laboratory and logistics infrastructure, AI-supported analyses and payment processing; the recipients and details follow from the privacy notice. The respective privacy notices of the partner doctors, partner locations, specialist laboratories and Doctolib apply in addition to their processing of data.

Section 14 Right of withdrawal

(1) Consumers have a statutory right of withdrawal in respect of contracts with NOA. The details follow from the withdrawal policy in Annex 1, which also contains the model withdrawal form.

(2) If the user expressly requests that NOA begin providing the service before the withdrawal period expires, in particular by booking an appointment for a blood draw within the withdrawal period, the user owes compensation for the value of the services provided up to withdrawal. The compensation is measured by the proportion of the services provided up to withdrawal relative to the total scope of the services provided for in the contract. The main service of the Core subscription is the Core blood test; use of the App is an ancillary service included in the fee and not charged separately. If the Core blood test has already been carried out at the time of withdrawal (blood draw completed), the main service for the contract year has been provided in full. The same applies to add-on packages whose analysis has already been carried out and to retests already taken.

(3) The right of withdrawal expires where NOA has provided the service in full and only began performing it after the user gave their express consent and at the same time confirmed their awareness that they lose their right of withdrawal once NOA has performed the contract in full.

(4) There is no statutory right of withdrawal in respect of treatment contracts with partner doctors (Section 312 (2) no. 7 BGB).

Section 15 Referral programme

(1) NOA may offer a referral programme (“refer a friend”). Users with an active Core subscription are eligible to take part. The user receives a personal referral link or code for this purpose.

(2) A reward is granted where a referred person takes out a NOA Core subscription for the first time through the link or code, the Core subscription is not withdrawn within the withdrawal period and the fee has been paid in full. The nature and amount of the reward and of any benefit for the referred person follow from the information valid at the time of conclusion on the Website or in the App; the reward relates exclusively to the Core subscription, not to add-on packages, retest upgrades or additional services. Payment or crediting takes place at the earliest 30 days after conclusion by the referred person. The payment route (for example PayPal) and any minimum payout amount follow from the programme information on the Website or in the App; this may require the user to provide a payout account.

(3) The following are prohibited in particular: referring through one's own second accounts (self-referral), publishing the link or code on coupon or discount portals, paid advertising using the link, and unsolicited messages to people one does not know (spam). In the event of breaches, and in the case of rewards obtained by deception or misuse, NOA may refuse or reclaim rewards and exclude the user from the programme.

(4) NOA may change or discontinue the referral programme at any time with effect for the future; rewards already earned remain unaffected. Rewards may be taxable; taxation is the user's responsibility.

Section 16 Consumer dispute resolution

NOA is neither obliged nor willing to take part in dispute resolution proceedings before a consumer arbitration board within the meaning of the German Consumer Dispute Resolution Act (VSBG).

Section 17 Changes to these Terms

(1) NOA may change these Terms with effect for the future where there is valid reason to do so (in particular adaptation to legal or regulatory requirements, changes in case law, development of the services, closing gaps in the provisions) and the change does not unreasonably disadvantage the user. Changes to the main contractual obligations or to prices are excluded by this route; Section 7 (8) applies exclusively to price changes and Section 11 (2) to changes to the panels.

(2) NOA informs the user in text form of the intended changes at least six weeks before they take effect and highlights the provisions that have changed. If the user does not object within six weeks of receiving the notification, the changed Terms are deemed accepted; NOA points out this consequence separately in the notification. The user may also terminate at any time until the changes take effect.

Section 18 Final provisions

(1) The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. Mandatory consumer protection provisions of the state in which the user has their habitual residence remain unaffected.

(2) The language of the contract is German.

(3) Should individual provisions of these Terms be or become invalid in whole or in part, the validity of the remaining provisions remains unaffected. The statutory provisions take the place of the invalid provision.

Annex 1: Withdrawal policy

Right of withdrawal

You have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period is fourteen days from the day the contract was concluded.

To exercise your right of withdrawal, you must inform us (NOA Health GmbH, Friedrichstrasse 13, 70174 Stuttgart, Germany, email: info@noa-health.de) of your decision to withdraw from this contract by a clear statement (for example a letter sent by post or an email). You may use the attached model withdrawal form for this, but it is not obligatory.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we shall reimburse to you all payments received from you without undue delay and in any event not later than fourteen days from the day on which we are informed about your decision to withdraw from this contract. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

If you requested that the services begin during the withdrawal period, you shall pay us an amount which is in proportion to what has been provided until you have communicated to us your withdrawal from this contract, in comparison with the full coverage of the contract.

Model withdrawal form

(If you wish to withdraw from the contract, please complete this form and send it back.)

• To: NOA Health GmbH, Friedrichstrasse 13, 70174 Stuttgart, Germany, email: info@noa-health.de
• I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service: __________
• Ordered on (*)/received on (*): __________
• Name of consumer(s): __________
• Address of consumer(s): __________
• Signature of consumer(s) (only if this form is notified on paper): __________
• Date: __________
• (*) Delete as appropriate.

Additional notes on withdrawal at NOA

The main service of the NOA Core subscription is the Core blood test (blood draw and laboratory analysis). Use of the App is included in the fee and is not charged separately. If you book and attend an appointment for a blood draw within the withdrawal period, you are thereby expressly requesting that we begin providing the service before the withdrawal period expires; we point this out to you, and the consequences, separately when you book the appointment. Where the blood draw has already been carried out, the main service for the contract year has been provided in full and the compensation for value attributable to it corresponds to the fee for the Core blood test. The same applies to add-on packages already analysed and retests already taken. As long as no blood draw has taken place, we refund the full amount if you withdraw.

Your right of withdrawal in respect of a contract for services expires where NOA has provided the service in full and only began performing it after you gave your express consent and at the same time confirmed your awareness that you lose your right of withdrawal once the contract has been performed in full by NOA.