Terms and Conditions Addendum

1. Eligibility

   1.1 Membership Freeze is available only to active Members in good standing who have no outstanding payments and are not in breach of MORROW’s applicable membership terms, Terms of Use or other binding policies.

2. Freeze Entitlement

   2.1 The Standard Freeze entitlement applicable to a Member is determined by the original duration of the Membership Term stated in the Member’s accepted quotation or otherwise confirmed in writing under the MORROW Terms and Conditions, subject to Section 2.6. The applicable allowance, set out in Sections 2.2 and 2.3, shall be available in full from the Membership Start Date, subject to the approval requirements of this Policy and the adjustment provisions in Section 9 if the Member terminates or upgrades the Membership early.

   2.2 For a three-month Membership Term, a Member may submit a maximum of two (2) Standard Freeze requests. The total cumulative duration of all approved Standard Freezes must not exceed fifteen (15) days during that Membership Term.

   2.3 For a 12-month Membership Term, a Member may submit any number of Standard Freeze requests. The total cumulative duration of all approved Standard Freezes must not exceed sixty (60) days during that Membership Term.

   2.4 Each Standard Freeze request must be for at least seven (7) consecutive days and must not exceed the Member’s remaining applicable freeze allowance. Any remaining allowance of fewer than seven (7) days cannot be used as a separate Standard Freeze request.

   2.5 A Standard Freeze is not automatic. Each request is subject to administrative processing and MORROW’s written approval before the freeze begins.

   2.6 Where MORROW and a Member agree to extend a three (3) month Membership to a total of twelve (12) months, the extension will take effect only after completion of the initial three-month Membership Term and will comprise an additional nine (9) months. An additional forty-five (45) Standard Freeze days will be available in full from the commencement of that additional period, subject to this Policy, including Section 9. The extension does not constitute a new twelve (12)-month Membership or give rise to a fresh sixty (60)-day Standard Freeze allowance.

   2.7 Any unused Standard Freeze allowance from the initial three-month Membership may be used during the additional nine (9)-month period under Section 2.6. The total Standard Freeze allowance for the combined arrangement must not exceed sixty (60) days.

3. Administrative Fee

   3.1 For a three-month Membership Term, the first approved Standard Freeze request will not incur an administrative fee. The second approved Standard Freeze request will incur an administrative fee of SGD 100, excluding GST.

   3.2 For a 12-month Membership Term, the first two (2) approved Standard Freeze requests will not incur an administrative fee. From the third approved Standard Freeze request onwards, an administrative fee of SGD 100, excluding GST, will apply to each approved request.

   3.3 GST will be charged at the prevailing rate on every administrative fee payable under this Section 3.

   3.4 Where an administrative fee applies, it must be paid after approval and before the Membership Freeze is activated.

   3.5 Unless required otherwise by applicable law, an administrative fee is non-refundable once the approved Membership Freeze has commenced.

   3.6 During the additional nine (9)-month period under Section 2.6, the request limit and administrative fee provisions for a twelve (12)-month Membership under Sections 2.3 and 3.2 will apply. Approved Standard Freeze requests made during the initial three (3)-month Membership will count towards the first two (2) approved requests for this purpose. Any administrative fee properly incurred before the extension will remain payable and will not be refunded solely because of the extension.

4. Request procedure

   4.1 A Member must submit a Membership Freeze request in writing at least seven (7) calendar days before the intended start date by email to enquiries@morrow.health or through another channel designated by MORROW.

   4.2 The request must state the intended start date and end date and provide any information reasonably required to process the request.

   4.3 Membership Freezes will not be applied retrospectively.

   4.4 The Membership Freeze takes effect only on the dates stated in MORROW’s written approval.

5. Effect of a Membership Freeze

   5.1 During an approved Membership Freeze, the Member’s access to MORROW facilities, services, bookings, benefits and membership privileges will be suspended, unless MORROW confirms otherwise in writing.

   5.2 All membership fees, instalments and other payment obligations will continue according to the existing payment schedule during the Membership Freeze. The freeze does not suspend billing or defer any scheduled payment.

   5.3 No refund or proration of membership fees will be provided solely because of an approved Membership Freeze. This does not prevent the calculation of fees or an upfront payment for excess Standard Freeze usage under Section 9.

   5.4 The Membership expiry date will be extended by the number of approved freeze days. The effect of excess Standard Freeze usage on an early termination or upgrade date is governed separately by Section 9.

   5.5 The validity of unused membership service credits will be extended by the same number of approved freeze days, unless the applicable product terms expressly provide otherwise.

   5.6 Promotional benefits, complimentary items and benefits provided by third parties remain subject to their original terms and validity periods unless MORROW confirms an extension in writing.

6. Medical Freeze

   6.1 A Member may request a Medical Freeze where a medical condition temporarily prevents or materially limits the Member’s ability to access or use MORROW’s facilities or services.

   6.2 An approved Medical Freeze is separate from the Standard Freeze entitlement in Section 2. Its duration will not count towards or reduce the applicable 15-day allowance for a three-month Membership Term or the applicable 60-day allowance for a 12-month Membership Term. Medical Freeze days are excluded from the calculation of Standard Freeze usage and excess Standard Freeze usage under Section 9.

   6.3 The duration of a Medical Freeze will be based on the period advised by the supporting medical professional and approved by MORROW.

   6.4 The Member must provide supporting medical documentation stating or reasonably indicating the relevant period. Acceptable documents may include hospitalisation leave, a medical certificate, a doctor’s memorandum or another equivalent document issued by an appropriately qualified medical professional.

   6.5 MORROW may request further information, updated documentation or reasonable verification before approving or extending a Medical Freeze, subject to applicable law.

   6.6 The approved start date and end date of a Medical Freeze must be confirmed by MORROW in writing. Where the medical advice does not state a clear end date, MORROW may approve an initial period and require a further review before granting any extension.

   6.7 The Member’s expiry date will be extended by the approved Medical Freeze duration. Unless MORROW confirms otherwise in writing, the payment and access provisions in Section 5 continue to apply during the Medical Freeze.

7. Administration and enforcement

   7.1 MORROW may approve, reject, limit or revoke a Membership Freeze request where reasonably necessary for administrative, operational, medical, safety, compliance or fraud-prevention reasons, subject to applicable law.

   7.2 If a Member provides false, misleading or incomplete information, MORROW may cancel the request or take action under the applicable membership terms.

   7.3 If this Policy conflicts with an accepted quotation or the MORROW Terms and Conditions, the order of precedence stated in the MORROW Terms and Conditions will apply, subject to applicable law.

8. Definitions

   8.1 “Member” means the individual holding the applicable MORROW membership.

   8.2 “Membership Freeze” means a temporary suspension of membership access approved by MORROW under this policy.

   8.3 “Medical Freeze” means a Membership Freeze approved under Section 6 on the basis of a substantiated medical condition and supporting medical documentation.

   8.4 “Membership Term” means the fixed contractual period stated in the Member’s signed membership agreement, excluding any extension arising from an approved Membership Freeze or Medical Freeze or under Section 2.6 or Section 9, unless the agreement expressly states otherwise. For determining the applicable freeze entitlement under Sections 2, 3 and 6, the original duration before any such extension applies, except as expressly provided in Sections 2.6, 2.7 and 9.

   8.5 “MORROW Terms and Conditions” means the terms and conditions published by MORROW from time to time and made available at https://morrow.health/terms-and-conditions.

9. Adjustment of Standard Freeze entitlement on early termination or upgrade

   9.1 If a Member requests termination of the Membership or agrees with MORROW to upgrade to another membership plan before completing the applicable Membership Term, the Member’s Standard Freeze entitlement will be recalculated under this Section. This Section does not apply to a valid cancellation under an applicable cooling-off right and does not limit any right or remedy that cannot lawfully be excluded.

   9.2 The recalculated entitlement is five (5) Standard Freeze days for each full completed calendar month of Membership as at the date on which the termination or upgrade would otherwise take effect under the applicable membership terms, before any adjustment under this Section (the “Calculation Date”). Partial months are disregarded. For an arrangement under Section 2.6, the recalculated entitlement during the additional nine-month period is fifteen (15) days plus five (5) days for each full completed month of that additional period, capped at sixty (60) days.

   9.3 “Excess Freeze Days” means the number of Standard Freeze days used up to the Calculation Date exceeding the entitlement calculated under Section 9.2. For an arrangement under Section 2.6, usage includes Standard Freeze days used during both the initial three-month Membership and the additional nine-month period. Medical Freeze days are excluded. MORROW will provide the Member with a written calculation of any Excess Freeze Days and the settlement options below.

   9.4 Where there are Excess Freeze Days, the Member may elect either:

   1. to continue the existing Membership for an additional period equal to the Excess Freeze Days from the Calculation Date, at the existing membership fee rate and on the existing terms, with termination or upgrade taking effect at the end of that period; or

   2. to pay upfront the prorated membership fee equivalent of the Excess Freeze Days, calculated under Section 9.5, so that termination or upgrade can take effect on the Calculation Date without the additional period under paragraph (a) of this Section 9.4.

   MORROW will confirm the Member’s election, the applicable payment arrangements and the effective termination or upgrade date in writing. Payment under paragraph (b) of this Section 9.4 must be received by the Calculation Date. Neither option waives any otherwise applicable notice requirement or other properly payable amount.

   9.5 The daily membership fee rate for this Section is the membership fee payable for the applicable three-, nine- or twelve-month period being terminated or replaced, divided by the number of calendar days in that period before any freeze extension. Joining fees, administrative fees and separately priced products or services are excluded. The upfront payment is that daily rate multiplied by the Excess Freeze Days, plus applicable GST. Fees for the additional period under Section 9.4(a) are calculated using the same daily rate. Any amount already paid for the same period will be credited, and MORROW will not recover payment under both options for the same Excess Freeze Days.

   9.6 The additional period under Section 9.4(a) is a period of active Membership, not a Membership Freeze. Existing access and service entitlements continue on the existing terms, and the validity of unused membership service credits is extended where necessary to cover that period, subject to the applicable termination provisions. The Membership expiry date is extended only where necessary to accommodate that period. Approved freeze extensions already reflected in the Membership expiry date are not added again to the effective termination or upgrade date. The calculation of Excess Freeze Days is fixed at the Calculation Date; the additional period does not generate further Standard Freeze entitlement, and no further Standard Freeze may be taken during that period.

   9.7 Unused Standard Freeze entitlement has no cash value and is not refundable or exchangeable for a payment or credit against membership fees.