Health 2.0 SF Code-A-Thon

Submission Deadline

Submissions are Closed


September 20 - 21, 2014


Alicia Davis


  • 1st Place - Allscripts $5,000
  • 1st Place - BetterDoctor $2,500
  • 1st Place - PokitDok $2,500

Winners will win cash prizes and a chance to appear on the Health 2.0 main conference stage.

1st Place: Allscripts Track


Team Members

Patrick Randolph, John Nadeau, Taylor Smith

Allscripts claims to serve 1 million patients. That's not entirely accurate. Roughly 15-20% of the patients cancelled. That means office admins spent roughly 150,000 hours trying to fill those cancellations, doctors lost $15-30 million in revenue, and patients were left waiting and waiting for care.Right now the office staff spends time building a waitlist in Allscripts OR using post-it notes and whatever paper is handy. Then when a patient calls, the admin rummages through the list (if they have time) and calls patients 1 by 1 to try and fill the appointment. It can take hours each time and most of the time goes unfilled.

QueueDr/DragonTouch helps office admins fill those cancelled appointments instantly.

When an appointment is cancelled in Allscripts:
1) We are notified and create a SMART waitlist based on patients who have appointments in the future and whom we believe are most likely to fill that appointment.
2) Then we text those patients in a waitlist game.
3) First patient to text back gets the appointment.
4) We then move that patient up to the cancelled slot.
5) The office admin is notified via email that the appointment is filled.
6) We also update our analytics dashboard that the office admin can share with the doctor chronicling how well they are doing filling cancelled appointments.

1st Place: BetterDoctor Track

Team Yuzu

Team Members

Koen De Lombaert, Eron Villarreal, Devin Villarreal, Amy Tam, Maria Mariano

How might we empower people to join research studies to improve human health and treatments?
A major bottleneck in developing new treatments is the recruitment of patients for clinical studies. Often patients are unaware of clinical studies that they may be eligible for. If they are aware, it takes a lot of effort to identify the appropriate study. For the physician, with their limited time, they struggle to keep up with the latest research.

Our solution is IMPACT, a knowledge network that enables inclusive and transparent research, empowering a broader base of people to participate in research. Here, patients can learn about clinical studies in plain English and then engage in accelerating research. Based on patient data, physician's can qualify and refer patients to clinical studies that they may have been unaware of. The goal of IMPACT is to help increase patient enrollment in clinical studies thus accelerating research for better treatments and saving more lives.

1st Place: PokitDok Track

Team Members

Allen Byerly, Gabriel Roybal, Kunal Mukherjee

GroupHub is a group management system that makes group benefits administration a breeze and empowers individuals to get the most out of their benefits. Our platform help brokers/agents with health enrollment tools, HR/group managers with benefits management tools, and individuals with personal health portals for benefits/health management. We have added PokitDoc's benefits enrollment API into our platform to automate the enrollment process and provide tracking of applications from submission to completion. With PokitDok we can unify and simplify enrollment down to a single online form for all providers (health, dental, vision, etc.). We have also used Validic's API to provide individuals access to the various health/wellness apps from within our platform. Additionally we added the ability for group managers to monitor utilization of personal health & wellness apps by employees.


As a leader in showcasing cutting-edge innovation that’s transforming health and health care, the Health 2.0 conference brings together the best minds, resources and technology for compelling panels, discussions and product demonstrations. This year’s Code-A-Thon is about building new technology tools to improve the healthcare space and lower health care costs. Developers, designers, health care professionals, biz dev and entrepreneurs will join forces for 2 days of rapid prototyping and creative health-hacking. Participants come for data, direction, diverse collaborators, delicious food, and prizes, and potentially, the beginning of a product or even their next big venture.

Don’t miss out on this great way to meet other innovators and hone your skills for a chance to be on the conference stage and win cash prizes. Winners from previous Health 2.0 Code-A-Thons have gone on to raise funding, start businesses, receive grants, pilot their technologies and even acquire customers.


Technology is advancing health care every day and now you can be a part of the movement. For this year’s Health 2.0 San Francisco Code-A-Thon, we have two exciting API tracks that you can participate in.

Allscripts Track
Over the past decade, U.S. Healthcare expenditures have grown to become approximately 17% of GDP. One of the most efficient ways to attack this growing problem is through the use of innovative Electronic Health Records (EHRs). Allscripts, an EHR leader, has 1 out of every 3 physicians in the U.S. using their software every day for clinical and administrative functions.

This track invites you to make a real difference in healthcare by developing new applications to extend and enhance Allscripts EHRs and Practice Management systems. Possible submission examples include applications that save clinical staff's time, focus on practice specialty, meet Meaningful Use requirements, support new device or technology connectivity to the EHR and/or improve patients engagement and education.

All Code-A-Thon participants can explore a possible partnership with Allscripts leading to a revenue-generating business. Allscripts is doing this today with more than 100 developers, and together they're providing innovative tools for their clients that are creating real outcomes for their patients and their business.

BetterDoctor Track
Be the first to use the BetterDoctor API, launching at the Health 2.0 SF 2014 Code-A-Thon! With this API, you can enhance your app, enrich your data and build amazing widgets! The API offers the first comprehensive doctor search functionality providing detailed information on 1M doctors and dentists. Search doctors by specialty, location, insurance and name, and BetterDoctor's modern API returns rich doctor profiles with photos, ratings, insurance details, referral data and common procedures performed by doctors, among other data. Access the BetterDoctor API here.

PokitDok Track
Optimizing the Business of Health is no small undertaking. PokitDok has created The Business of Health Platform to optimize the entire processing chain from locating practitioners, searching insurance plan information, processing claims and benefits information and transacting the services via several payment methodologies all in a HIPPA compliant platform. The API currently supports access to 4.1M providers, over 120 payers and thousands of price points. The PokitDok API allows you to perform claims and benefits transactions, find healthcare providers, and get information on health care procedure pricing for both out of pocket and cash prices down to the CPT code. The API uses JavaScript Object Notation (JSON) for requests and responses and also allows batch processing of ASC X12 5010 compatible EDI files. All API traffic is encrypted over HTTPS and authentication is handled with OAuth2.

Enterprise applications include Price Transparent MarketPlaces, EMR/ Practice Management support processing and enabling on call / home visit services for practitioners. PokitDok looks forward in adding you to our growing list of companies that are self serving their business models and creating applications on our Platform. To access the API, click here.

Optional APIs
In addition to using one or both of the above APIs, we have included additional APIs that you may incorporate into your submission to build an even better project!

MedHelp hAPI
MedHelp's HAPI (Health API) platform lets you build health apps without worrying about how to store health data in the cloud. Easily connect your app to a network of millions of users. The HAPI platform allows third party applications to integrate with and participate in an ever expanding health data ecosystem by providing access to over 1,600 health data types for each user. Through HAPI, your users can log measurements, symptoms, medications, and events across more than 30 different health conditions, nutrition, and fitness. Application using the HAPI Platform can enjoy seamless integration with FitBit, Withings, Jawbone and others! Connect to hAPI here

Validic REST API
The Validic API is designed to enable a simple, standardized connection between healthcare companies and mobile health and wellness apps and devices. Validic captures a user's fitness activities and health measurements over time. Each activity and measurement contains a timestamp and a note about which integration was used to track the activity. A core aspect of the Validic API is to vastly increase the speed of integration between mHealth app developers and healthcare business. Additionally, Validic provides critical enterprise features needed by healthcare companies that are not usually provided as a core service by app developers, such as ease of connectivity, HIPAA/PHI compliance and standardized endpoints. Click here to receive access to the Validic API.

Where do I sign up?
Registration is free but seating is limited. Be sure to reserve your seat today by registering here. We welcome developers, students, researchers, entrepreneurs, clinicians, patient advocates, informaticians, designers, consumers, community partners, public health prevention experts, data experts, public health providers, and anyone interested in creating a level of excitement that will drive continued community engagement far into the future.


Saturday, September 20, 2014

  • 9:30 – Doors Open/Registration/Breakfast
  • 10:00 – Welcome & Overview of the Day
  • 10:10 – Remarks from Sponsor
  • 10:40 – Coder Introductions and team formation
  • 11:30 – Tech Talks + API Introductions by Sponsor
  • 12:30 - Lunch! and finish team forming
  • 1:30 – Coding begins!
  • 4:00 – Idea check-in-- bounce your ideas off an expert
  • 6:30 – Dinner is served!
  • 7:30 - Coding Continues
  • 10:00 pm – End of first day

Sunday, September 21, 2014

  • 9:00 – Doors Open / Breakfast
  • 9:30 – Continue coding...
  • 12:30 – Lunch!
  • 1:00 - Last chance to submit your project!
  • 1:30 - Final SF Code-A-Thon 3-min presentations and judging
  • 3:30 - Judge Deliberation
  • 4:30 - Winners Announced/ Closing Remarks from sponsors

Review Panel

    • Stanley Crane
    • Chief Innovation Officer - Allscripts
    • Tapio Tolvanen
    • Chief Technology Officer & Co-Founder - BetterDoctor
    • Scott Fisher
    • Team Lead of Mobile - MedHelp
    • Jessie Chen
    • Senior Software Engineer - MedHelp
    • Ahksar Kharebov
    • Chief Evangelist - Validic
    • Brian Corbin
    • Senior Software Engineer - PokitDok



Allscripts is a leader in healthcare information technology solutions that advance clinical, financial and operational results. Their innovative solutions connect people, places and data across and empowers caregivers to make better decisions and deliver better care for healthier populations. Allscripts Open architecture connects both clinical and financial data across every setting: from the provider to the hospital to post-acute settings and even the patient's home. Our Open platform enables innovation and collaboration with other vendors, partners and our clients to improve care delivery, further engage patients and lower costs.


BetterDoctor is a first-of-its-kind consumer healthcare tool that makes important 'Doctor Quality Indicators' free and instantly searchable by all Americans. Using BetterDoctor you can quickly and easily find a doctor you'll love -- one who is highly qualified, has the right area of expertise, accepts your insurance plan, and has current appointment availability. Since the launch in 2012, BetterDoctor has helped over 10 million patients find a better doctor. The new BetterDoctor API lets developers enhance their app, enrich data and build widgets by offering access to their comprehensive doctor search functionality and data on 1M doctors and dentists' specialty, location, insurance, name, ratings, insurance details, referral data and common procedures performed by doctors. Access the BetterDoctor API here.


PokitDok is a HIPAA-compliant cloud-based platform for healthcare purchases, connecting consumers directly with practitioners in a transparent, e-commerce experience. PokitDok provides enterprise access to market-driven provider, treatment and pricing information for Employers, Payers and Health networks seeking to reduce expenses and capture lost reimbursements. PokitDok also provides an e-commerce storefront for practitioners seeking to market their services and enable consumers to pay for treatment up front at or via downloadable app on the Apple App Store or Google Play Store. PokitDok is based in San Mateo, CA and Charleston, SC and backed by New Atlantic Ventures, Rogers Venture Partners, and Subtraction Capital.


MedHelp is the world’s largest online health community and consumer health platform, empowering 14 million unique users per month to better understand and better manage their health. MedHelp is powered by Red Urchin, an enterprise health platform that provides mobile, social and data solutions to leading employers, retail pharmacies and health plans to improve consumer engagement and achieve meaningful behavior change.


Validic is the healthcare industry's leading technology platform for convenient, easy data access to a world of mobile health data from clinical devices, wearables and patient healthcare applications. By connecting its growing base of customers (that includes providers, payers, pharmaceutical companies, wellness companies and health IT vendors) to the continuously expanding list of digital health technologies, Validic enables healthcare companies to better coordinate care across their communities, improve their patient engagement strategies, enhance their remote patient monitoring capabilities, and more efficiently manage their patient populations. Validic's leading global digital health ecosystem reaches over 72 million lives and continues to grow daily. Click here to receive access to the Validic API.

Media Collateral

Directions to MedHelp:
From the East Bay (taking the 1-80 W across the Bay Bridge):Take the Fifth Street exit from I-80 W. Take a left on Harrison then first right on 6th. Then take a right on Market St. Arrive at 929 Market Street.
From the North Bay (taking the 101 S across the Golden Gate Bridge): Continue on 101 S (turns into Lombard St.). Take a right on Gough St. Turn left on Post St. Turn right on Mason St. Turn left on Eddy St. Turn right on Cyril Magnin St. Then take first Right on Market St. Arrive at 929 Market Street.
From South Bay (From 101 N to I-280 N): From 101 N, take Downtown SF exit and merge onto I-280 N. Take 6th St. exit then right on Market St. Arrive at 929 Market Street.


929 Market Street
Ste. 300
San Francisco, CA, USA 94103

Terms & Conditions


By entering Health 2.0 SF Code-A-Thon, you agree that your participation will be governed by, and you shall abide by, all of the following terms and conditions (the “Terms and Conditions”) outlined herein below:

1. Mission:
The goal of the Competition is to challenge emerging and experienced developers/ designers/entrepreneurs/ physicians/ clinicians and students, among others to design healthcare related technology solutions. Competition entrants are invited to submit an idea and a prototype of an operable application that would improve/ benefit healthcare services in the US.

2. Eligibility:
The Competition is open only to individuals who are 13 years of age or older as of the date of entry and who are legal residents of one of the fifty (50) states of the United States or the District of Columbia or the U.S. Territories. Any entrant from the age of 13-18 must get parental consent to enter the Competition. The following are not eligible to enter or win the Competition: Employees, officers, directors and contractors of the Sponsors and/or any member of the immediate family (i.e. a spouse, parent, grandparent, child or grandchild of the entrant) or household of any of the foregoing individuals.

3. Entries by Teams:
Entries may be submitted either by individuals or by groups of individuals (each a “Team”). If an entry will be submitted by a Team, each member of the Team must satisfy the eligibility requirements set forth in Paragraph 2 above. Each Team must designate a single member of the Team who will serve as the Team’s sole representative for communications and all other purposes in connection with the Competition (the “Team Leader”). All agreements, consents, representations and warranties made or given by a Team Leader herein or otherwise in connection with the Competition will be binding upon all members of the pertinent Team as if made by each such member.

4. Entry Period:
The entry period for the Competition begins at 9:30 a.m. Pacific Daylight Time (PDT) on Saturday, September 20, 2014 and ends at 3:30 p.m. PDT on Sunday, September 21, 2014 (the “Entry Period”).

5. How to Enter:
Registration and Participation is FREE. Register Here

6. Competition Guidelines:
At the competition, each individual or Team that submits a Submission (each an “Applicant”) must retain a copy of the Submission. Sponsors are not responsible for, and each Applicant specifically releases Sponsors from any claims or liability relating to, any loss or damage to the Applicant’s Submission.

All Submissions must comply with the following Content Restrictions:
The Submission must not contain material that violates or infringes another’s rights, including but not limited to privacy, publicity, copyright, trademark, patent, or intellectual property- or property- related rights; The Submission must not contain footage, images or artwork not created by entrant; The Submission must not contain material that is inappropriate, indecent, obscene hateful, defamatory, slanderous or libelous; The Submission must not contain material that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age. The Submission must not contain material that is unlawful, in violation of or contrary to the laws or regulations in any jurisdiction where Submission is created.

By entering, each Applicant represents and warrants that (a) the Applicant’s Submission and all components thereof, including all ideas, creative elements and any other materials and information contained in the Submission are wholly original with the Applicant, (b) no person or entity has collaborated with Applicant in creating the Submission, provided any material or information for inclusion in the Submission, or has any ownership rights in and to the Submission or any component thereof (note: an Applicant that is a Team warrants and represents that no person who is not a Team member collaborated with the Applicant, provided any material or information, or has any ownership rights in and to the Submission), (c) Applicant has the exclusive, unconditional right and authority to submit the Submission and to grant the rights set forth herein, and (d) the Applicant’s Submission complies with these Official Rules in full. Submissions must not contain any material that Sponsors, in their sole discretion, deem inappropriate for public viewing and/or determine is contrary to its mission or reputation. Sponsors reserve the right in their individual discretion to disqualify and/or not accept any Submission that Sponsors determine does not or is likely not to comply with these guidelines, to make such changes to any Submission as are necessary to make it compliant, or to require the Applicant to do so.

7. Judging:
The judging of the Competition will proceed as follows:
A panel of judges comprised of Sponsor’s and industry leaders and consultants will review all Submissions to identify those that are complete and otherwise appear preliminarily to satisfy the entry requirements set forth herein. Submissions that appear preliminarily to be complete and to satisfy the entry requirements will be judged based on the Judging Criteria outlined day-of. These entrants will be called qualified (“Qualified Entrant”). A jury of judges comprised both of Sponsors’ designees and industry leaders selected by Sponsors will score all submissions that qualified based on the Judging Criteria.

8. Winner Notification and Verification for the Competition:
Sponsors will notify the potential Winners on the day of the competition. In order to qualify as a Winner, each Applicant must be available in attendance at the competition and present to the Panelists at the competition (and in the event of a Team, at least one member of the Team must be so available).

9. Prizes:
(a) General Terms and Conditions: All income taxes and any other applicable taxes on each prize are the sole responsibility of the recipient. An IRS form 1099 will be issued, if required by law. Prizes consist only of items expressly specified herein. Any costs or expenses associated with the acceptance or use of any prize (including, without limitation, additional transportation, meals, gratuities and incidentals) are the responsibility of the recipient. No substitution, cash redemption or transfer of right to receive any prize will be allowed, except at sole discretion of Sponsors. Sponsors reserve the right to substitute an alternate prize.
(b) The winning projects will be rewarded and prizes are to be determined.
(c) Prize Distribution: The total monetary prize amount is to be determined, awarded in the form of checks or another payment method selected by Sponsors, to be used towards further development by the winner of the winning Submission. In the event that the Prize Winner is a Team, the Team Leader shall receive and be solely responsible for the Prize on behalf of the Team unless all members of the participating team agree to distribution of funds to each individual member separately. Sponsors will have no responsibility for allocation of funds received as part of the Prize among Team members.

10. Grant of Rights:
By entering, each Applicant grants to Sponsors and their designees the irrevocable, royalty-free right to publish, disseminate and use the Applicant’s name, likeness and biographical information (and in the event of a Team, the name, likeness and biographical information each member of said Team) without further notice or consideration, in perpetuity, throughout the world, in all media and formats now known or hereafter invented, in connection with the execution and promotion of the Competition and the promotion of Sponsors and its activities.

In addition, by entering, each Applicant grants to Sponsors and their designees a nonexclusive, irrevocable, royalty-free license to reproduce, exploit, adapt, use and display worldwide, in perpetuity, throughout the world, in all media and formats now known or hereafter invented, information about the Submission and the Project and all non-proprietary components thereof, including without limitation posting information about the Submission and/or the Project on the Site (or such other Sponsor designated on-line environment), in connection with the execution and promotion of the Competition and the promotion of Sponsors and their activities, without further notice or compensation.

Each team is responsible for determining the disposition of any intellectual property developed during the course of the Code-A-Thon. Neither Health 2.0 nor the Code-A-Thon Sponsor shall be responsible for mediating disputes that arise relating to intellectual property ownership.

11. Disputes:
These Terms and Conditions shall be governed by and interpreted under the laws of the State of CA without regard to conflicts of laws provisions. Applicant hereby agrees that any and all disputes claims, causes of action or controversies arising out of or in connection with the Competition or these Terms and Conditions shall be resolved individually, and without resort to class action, exclusively by a state or federal court located in Sacramento, California. By entering, each Applicant irrevocably waives any right to seek and/or obtain rescission and/or equitable and/or injunctive relief.

12. Representations & Warranties:
Applicant represents and warrants that he/she: (a) has the right to make a Submission as contemplated hereunder without the need of any consent of any third party; (b) Will abide by these Terms and Conditions and all applicable laws and regulations; (c) If Applicant is a Team Leader, that Applicant has the full right and authority to make the Submission and to agree to accept and abide by these Terms and Conditions on behalf of the Team, and that each Team member will abide by these Terms and Conditions; and (d) Applicant is under no obligation or disability, created by law or otherwise, which would in any manner or to any extent prevent or restrict making a Submission or becoming a Winner.

13. Indemnity:
By submitting an entry, each Applicant (including each Team member, with respect to Applicants who are Teams) agrees to indemnify, hold harmless and defend sponsors, affiliates, subsidiaries, successors and assigns, and each of their trustees, officers, employees and agents (all of the foregoing, the “Sponsor Parties”), from and against the full amount of all claims, liabilities, actions, suits, proceedings, assessments, judgments, decrees, losses, fees, damages, settlement funds, and associated costs and expenses including attorney’s fees arising from or in connection with the Applicant’s participation, any use by Sponsors Parties of the Applicant’s Submission and/or the exercise by Sponsor of any rights granted to it herein, including without limitation claims based on rights of privacy, rights of publicity, false light, defamation, copyright, patent and/or trademark infringement relating to the Applicant’s Submission. Notwithstanding anything herein to the contrary, in the event of any claim by a third party affecting or relating to the Submission, Sponsors shall have, in addition to any other rights available to it, at law or in equity, the right to immediately revoke any prize. Sponsor Parties include Office of the National Coordinator, Optum, and Validic.


15. Release of Claims:
By submitting an entry, each Applicant (including each Team member, with respect to Applicants who are Teams) releases each of the Sponsor Parties from and against the full amount of all claims, liabilities, actions, suits, proceedings, assessments, judgments, decrees, losses, fees, damages, settlement funds, and associated costs and expenses including attorney’s fees arising from or in connection with the Applicant’s participation in this competition, any use by Sponsors of the Applicant’s Submission and/or the exercise by Sponsors of any rights granted to it herein, including without limitation claims based on rights of privacy, rights of publicity, false light, defamation, copyright, patent and/or trademark infringement relating to the Applicant’s Submission and claims for injury, loss or damage of any kind resulting from the Applicant’s participation in this competition or acceptance or use of any prize.

16. Limitation on Exploitation of Materials:
Each Applicant acknowledges that each of the Sponsor Parties may have engaged and continue to engage in the development, production, acquisition and dissemination of materials that may be similar or identical to the Applicant’s Project or Submission. The Sponsor Parties may use information about the Applicant’s Project or Submission in whole or in part, without any payment or other obligation whatsoever to the Applicant, if the Applicant’s Project or Submission (a) is not unique, novel, original, and concrete so as to be entitled to protection under applicable laws, (b) has been made public by anyone at the time of its submission to Sponsors or otherwise is in the public domain, (c) would be freely usable by a third person if it had not been accepted as a Submission, or (d) is similar or identical to, or contains significant elements encompassed in, an idea, concept or material that has been independently created by either Sponsor or any third party. Acceptance by Sponsors of a Submission is not an admission by Sponsors of the novelty or originality of the Submission.

17. General Terms:
All federal, state and local laws and regulations apply. Sponsors reserve the right at their sole discretion to disqualify any individual who violates these Terms and Conditions, tampers with the entry process and/or acts in any way that would, in any way, discredit or harm the reputation of Sponsors, and/or to cancel, modify or suspend this competition should entrant fraud or misconduct or other causes beyond the control of Sponsors corrupt the administration, integrity, security or proper operation of the competition. Without limitation of the foregoing, Sponsors reserve the right to terminate, modify or suspend this competition due to any of the following reasons: act of God; unavoidable accident; epidemic; fire; blackout; act of public enemy; war, riot or civil commotion; enactment, rule, order or act of government or governmental instrumentality or tribunal; strike, lockout or other labor dispute; inclement weather; failure of technical facilities; failure of essential production, or technical personnel to appear or be available; or other cause beyond its control. Sponsors are not responsible for lost, late, illegible, incomplete, damaged, mutilated, misdirected, mis-delivered, or delayed entries, or for technical or human errors or failures of any kind in connection with the submission, transmission, processing or judging of entries, including without limitation any malfunctions or failures of computer hardware, computer software, networks or telephone equipment or any technical problems or traffic congestion on the Internet or at any website or any combination thereof. Caution: Any attempt by an entrant to deliberately damage any Web site or undermine the legitimate operation of the competition is a violation of criminal and civil laws and should such an attempt be made, Sponsors reserve the right to seek damages from any such entrant to the fullest extent of the law. Sponsors are not responsible for any typographical or other error in the printing of the offer, administration of the competition, or in the announcement of the prize.

These Terms and Conditions set forth the entire agreement and understanding between Sponsors and Applicant concerning the subject matter hereof and merges and supersedes all prior discussions, agreements and understandings of any kind between them. Notwithstanding anything contained herein to the contrary, Sponsors reserve the right, in their sole discretion, at any future time to terminate, modify or suspend the competition for any reason, in Sponsor’s sole discretion. All notices shall be in writing and shall be delivered to Applicant in accordance with instructions contained herein. Applicant shall be deemed an independent contractor and nothing contained herein shall constitute this arrangement to be employment, a joint venture, or a partnership. Sponsor’s failure to enforce any Terms of these Terms and Conditions shall not constitute a waiver of any provision contained herein. The titles of Sections of these Terms and Conditions are for convenience only and shall not be given any legal effect. The word “including” is used in these Terms and Conditions to mean “including but not limited to.”