9AMHEALTH INC.
TERMS OF SERVICE

Effective: September 3, 2024

Welcome to 9amHealth, offered by 9amHealth Inc. (“9amHealth,” “we,” or “us”). These Terms of Service (the “Terms”) govern your access to and use of our websites (including www.join9am.com); our software platform, whether via web or through our mobile application; and any other websites, products, or services that we offer (collectively, the “Services”). Users of the Services are referred to in these Terms as “users,” “you,” and “yours”. If you are using the Services in connection with an employer or health plan's agreement with 9amHealth (an "Enterprise Agreement"), then you are an "Enterprise User," and specific terms (as identified below) may apply to you.

By accessing or using the Services, or by clicking a button or checking a box marked “I Agree” (or similar), you confirm that you have read, understood, and agree to be bound by these Terms, and that you have read, understand, and acknowledge our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

UNLESS YOU OPT-OUT, THIS AGREEMENT CONTAINS A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION AND JURY TRIAL WAIVER PROVISION THAT, AS FURTHER SET FORTH BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS. YOU CAN OPT-OUT OF THE ARBITRATION AGREEMENT BY CONTACTING LEGAL@JOIN9AM.COM WITHIN 30 DAYS OF ACCEPTING THESE TERMS.

IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY, CALL YOUR LOCAL EMERGENCY PHONE NUMBER OR DIAL 911 OR YOUR HEALTHCARE PROVIDER IMMEDIATELY.

THE SERVICE PROVIDES GENERAL HEALTH AND WELLNESS INFORMATION AND A MEANS TO INTERACT WITH THE MEDICAL GROUP (AS DEFINED BELOW). IT DOES NOT REPLACE YOUR RELATIONSHIP WITH ANY HEALTHCARE PRACTITIONER OR SERVICE, AND 9AMHEALTH INC. ITSELF DOES NOT PROVIDE MEDICAL OR HEALTH ADVICE, CARE, DIAGNOSIS, OR TREATMENT. 

The Services

Our Services provide users with certain information and services related to health and wellness, including services to engage online with health coaches and educators (who do not provide professional or clinical services); health and wellness assessment services and personalized recommendation services; administrative support in connection with scheduling and payment for third-party health care provider, pharmacy and laboratory services (such services, collectively, the “Professional Services”). Our Services also include telehealth services that enable users to report health history to, and access and engage with, healthcare professionals affiliated with the Company to obtain medical and healthcare services (such services, the “Clinical Services”). 9amHealth itself is not a healthcare provider and does not engage in the practice of medicine. 

The Professional and Clinical Services are provided by 9amHealth Medical Group, PA, and its affiliates (collectively, the “Medical Group”). The Medical Group is a group of independent, physician-owned medical groups that engage US-based physicians and other healthcare providers who provide telehealth services and medical advice via our Services (collectively, the “Providers”). The Providers are not employed by us, and are solely responsible for the quality and appropriateness of the care and advice they render to you. 9amHealth does not interfere with the practice of medicine or any other licensed profession by the Providers. 9amHealth is not liable for any professional advice you obtain from a Practitioner via the Services. 

Neither 9amHealth, the Medical Group,  nor the Providers are insurance providers, and these Terms are not a contract for insurance.  If you desire any type of health or other insurance, you must purchase such insurance separately. 

Eligibility

By accessing or using the Services, you represent to us that you are the age of 18 or older (or the age of majority in your jurisdiction, whichever is older) and that you are fully able and competent to enter into these Terms.  

Changes to Terms

With the exception of the Arbitration Agreement, (see Section 19)  we may update or otherwise modify these Terms from time to time in our sole discretion. If we make material changes, we will post the updated Terms on this page with a new effective date. Your continued use of the Services after an update will constitute acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.

Intellectual Property Rights and Limited License

The Services, including our logo, the design, text, graphics, images, data, software, source code, and other content or products or services described or contained therein (and their selection, arrangement, and presentation), are owned by 9amHealth or our licensors and are protected by law including copyright and trademark law. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of 9amHealth, and may not be copied, imitated, or used, in whole or in part, without our prior written permission. Reference to any products, services, processes, or other information, by trade name, trademark, manufacturer, supplier, or otherwise, does not constitute or imply endorsement, sponsorship or recommendation thereof by us. Except as explicitly stated in these Terms, all rights in and to the Services are reserved by us or our licensors. 

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your noncommercial use and for no other purpose.

Account Creation and Security

To access most features of the Services, you must create an account with 9amHealth. To create an account with us, you will be required to provide us with certain personal information (as described in our Privacy Policy). You agree that the information that you provide to us during account creation in your use of the Services is accurate and that you will keep it accurate, current, and complete. You may not transfer or share your account password with anyone, or create more than one account with 9amHealth.

You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You also agree to promptly notify us of any unauthorized use of your username, password or any other breach of security that you become aware of involving or relating to the Services by contacting us using at privacy@join9am.com. We reserve the right to take any and all action, as it deems necessary or reasonable, regarding the security of the Services and your account information. 

 User Generated Content

The Services may include functionality to enable you to upload comments, feedback, or other content (“User Generated Content”). By contributing User Generated Content to any of the Services, you understand and acknowledge that this information is available to the public and you hereby grant 9amHealth a worldwide, royalty-free, fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully sublicensable license to reproduce, distribute, perform and display, create derivative works of, adapt, modify and otherwise use and exploit such User Generated Content for any purpose (including promotional purposes, such as testimonials).

By providing User Generated Content to us, you represent and warrant to us that: (a) you have obtained, and are solely responsible for obtaining, all consents and authorizations as may be required by law to submit, post, or otherwise make available to us any User Generated Content relating to anyone other than yourself; and (b) your User Generated Content and our use of that content as contemplated by these Terms and the Services will not violate any applicable law or infringe anyone else’s rights, including any intellectual property rights and privacy rights. Further, you will ensure that all User Generated Content that you submit, post, or otherwise make available to us is complete, truthful, and accurate when we receive it and, with respect to personal information, that you will keep it up to date.

Acceptable Use

In your use of the Services, you agree 

• to only use the Services in a lawful manner and only for their intended purposes;
• not to copy, publish, display, publicly perform, or distribute any portion of the Services, including reproduction on any computer network or broadcast or publication media;
• not to resell or make commercial use of the Services;
• not to make derivative uses of the Services;
• not to use, frame or utilize framing techniques to enclose any 9amHealth trademark, logo or other proprietary information; 
• not to express or imply that any statements you make are endorsed by 9amHealth;
• not to  reverse engineer, disassemble, or otherwise attempt to create or derive the source code underlying the Services; 
• not to use or access the Services to build a similar or competitive product or service; 
• not to attempt to probe, scan or test the vulnerability of any Services or to breach or tamper with the security or authentication measures of the Services or our systems; 
• not to submit viruses or other malicious code to or through the Services;
• not to submit User Generated Content that, in our sole judgment, is objectionable or restricts or inhibits any other person from using or enjoying the Services; and
• not to use the Services to transmit “spam” or other unauthorized commercial communications.

Third Party Content

The Services may make available or provide links to third party websites, content, or information (“Third Party Content”). 9amHealth does not control, and is not responsible for, any Third Party Content, and the availability of any Third Party Content via the Services does not imply endorsement of, or affiliation with, the provider of such Third Party Content. Your use of Third Party Content is at your own risk.

Third Party Interactions

Your interactions with third parties found on or through the Services, including payment and delivery providers, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third parties. You should make any investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any third party. You are solely responsible for, and will exercise caution, discretion, common sense and judgment in, using the Services and disclosing personal information.

You agree that 9amHealth shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. If there is a dispute between you and any third party, you understand and agree that 9amHealth is under no obligation to become involved.

Purchases and Payments

Some of the Services incur a fee; we may also offer products for sale through the Services. If you purchase services or products via the Services, including without limitation, the Clinical Services, then (to the extent that such purchases are not paid under the terms of an applicable Enterprise Agreement), processing services for such payments on the Service are provided by our third party payment processor and are subject to its associated terms, conditions, and policies.  We currently use Stripe as our primary third party payment processor. 

You agree to pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. By providing your payment information through the Services, you agree that we are authorized to immediately invoice your account for all fees and charges due and payable to us hereunder and that no additional notice or consent is required. You agree that all purchases made via the Services are subject to our Shipping, Fulfillment, & Refunds Policy. Further, you agree that in the event 9amHealth is unable to collect the fees you owe us for the products or services specified in your order, we may take any other steps we deem necessary to collect such fees from you, and that you will be responsible for all costs and expenses incurred by us in connection with such collection activity, including collection fees, interest, court costs and attorneys’ fees. If you are an Enterprise User, please check with your employer or health plan to determine if and to what extent any Services will be covered or reimbursed.

Some of our payment options may be covered partially or fully by your health insurance or health plan. We suggest checking our Site for the latest details on pricing and payment methods. Please note that you are responsible for any charges related to your account, unless payment or reimbursement is provided by your health insurance.

Certain Services provided by 9amHealth could be included as a covered benefit under your health insurance policy (a “Covered Service”). You can connect with 9amHealth Providers for these Covered Services without needing to pay a subscription fee. However, choosing this option means you won’t have access to our Subscription Services or the cellular-connected scale. To access 9amHealth Providers for Covered Services without a subscription, please reach out to us at support@9am.health.

Suspension and Termination

We reserve the right (a) to immediately and without notice suspend or terminate your access to or use of the Services if we reasonably believe that you have violated these Terms, (b) to, in our sole discretion, remove any User Generated Content or other material that breaches these Terms or is otherwise objectionable, and (c) to modify the Services or to suspend or stop providing all or portions of the Services at any time. 

Upon any such suspension or termination, you must destroy all content obtained from the Services and all copies thereof. The provisions of these Terms concerning security, acceptable use, copyrights, trademarks, user generated content, disclaimer, limitation of liability, indemnity and jurisdictional issues shall survive any such suspension or termination. You agree that if your use of the Services is terminated pursuant to these Terms, you will not attempt to use the Services under any name, real or assumed, and further agree that if you violate this restriction after being suspended or terminated, you will, to the fullest extent permitted by law, indemnify and hold 9amHealth harmless from any and all liability that 9amHealth may incur therefore. You also have the right to stop using the Services at any time. We are not responsible for any loss or harm related to your inability to access or use the Services.

Service Location

The Services are hosted in the United States and intended for use by residents of the United States. We make no representations that the Services are appropriate or available for use in any location outside of the United States.  Access to the Services from jurisdictions where the contents of the Services are illegal or penalized is prohibited.

Disclaimer of Warranty

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, AND 9AMHEALTH EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE, AND WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING, OR USAGE OR TRADE.

While we try to maintain the timeliness, integrity and security of the Services, we do not guarantee that the Services are or will remain updated, complete, correct or secure, or that access to the Services will be uninterrupted. We may need to perform maintenance on the Services from time to time, which may result in temporary interruptions to its availability. The Services may include inaccuracies or errors. You assume the entire risk as to the quality and performance of the Services.

Indemnity

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless 9amHealth, its affiliates, contractors, and its directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, accountants, and attorneys from and against any and all suits, actions, claims, proceedings, damages, settlements, judgments, injuries, liabilities, obligations, losses, risks, costs, and expenses (including, without limitation, attorneys’ fees and litigation expenses) relating to or arising from your use of the Services in a manner not authorized by these Terms, your fraud, violation of law, or willful misconduct, and any breach by you of these Terms.

Limitation of Liability

9AMHEALTH WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER THEORY, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE OF DATA, LOSS OF OTHER INTANGIBLES, OR LOSS OF SECURITY OF SUBMITTED MATERIALS (INCLUDING UNAUTHORIZED INTERCEPTION BY THIRD PARTIES OF ANY SUBMITTED MATERIALS), EVEN IF ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. WITHOUT LIMITING THE FOREGOING, 9AMHEALTH WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES OR FROM ANY THIRD PARTY CONTENT, INCLUDING FROM ANY VIRUS THAT MAY BE TRANSMITTED IN CONNECTION THEREWITH. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THEM. THE MAXIMUM AGGREGATE LIABILITY OF 9AMHEALTH FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, WILL BE $500.00.

Applicable law may not allow for limitations on certain implied warranties, or exclusions or limitations of certain damages, and some or all of the above disclaimers, exclusions or limitations may not apply to you.

Privacy

We care about your privacy and the security of your personal information. Our collection and use of your personal information via the Services is described in our Privacy Policy. By accessing or using the Services, you acknowledge that you have read and understand the Privacy Policy, as updated from time to time.

For information or questions about the collection, creation, maintenance, use and disclosure of any of your data that may constitute protected health information (PHI), please refer to your health plan’s Notice of Privacy Practices or the Medical Group’s Notice of Privacy Practices, as applicable.

If you are an Enterprise User, you acknowledge and agree that 9amHealth may share certain personal information (such as your enrollment status with 9amHealth) with your employer or your health plan in their role as payor, as may be required for accounting and billing purposes, or as otherwise consistent with our obligations under the Health Insurance Portability and Accountability Act (HIPAA).

Communications

When you visit the Services or send emails to us, you are communicating with us electronically. You agree that we may send to you any privacy or other notices, disclosures, or communications regarding the Services (collectively, "Communications") through electronic means including but not limited to: (1) by email, using the email address that you provided to us related to your account, (2) short messaging service (“SMS”) text message to the mobile number you provided us during registration (subject to the next paragraph), (3) push notifications on your mobile device, or (4) by posting the Communications on the Services. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit any such electronic communication as described in these Terms. The delivery of any Communications from us is effective when sent by us, regardless of whether you read the Communication when you receive it or whether you actually receive the delivery. You can withdraw your consent to receive Communications by deactivating your account. You can opt-out of future Communications through SMS text message by replying “STOP,” or emailing us at privacy@join9am.com.

By agreeing to these Terms, you consent to receive from or on behalf of 9amHealth communications containing service-related information (including technical notices, updates, security alerts and support and administrative messages), and/or sales, marketing, or advertising messages, by autodialed, prerecorded, or artificial voice calls or SMS, text messages, email, over-the-top messaging platforms, and other electronic means, at any phone number or email address you provide to us, even if your phone number is on the national or any state’s do-not-call registry. Your carrier's normal messaging, data and other rates and fees may apply to these communications. You are not required to provide this consent to receive autodialed sales, marketing, or advertising messages as a condition of purchasing anything or using the Services, and you may opt-out of receiving such messages at any time as described in our Privacy Policy (though you may continue to receive messages while we process your request).

Copyright Infringement

9amHealth follows the procedures of the Digital Millennium Copyright Act of 1998 by providing recourse for copyright owners who believe that material appearing on the internet infringes their rights under US copyright law. If you believe in good faith that materials available on the Services infringe your copyright, you or your agent may send 9amHealth a written notice by mail or e-mail that includes the requirements set forth in 17 U.S.C. §512(c)(3)(A), requesting that we remove such material or block access to it. See https://www.copyright.gov for details. Notices must be sent in writing to:

9amHealth Inc.
914 N. Coast Hwy 101, Suite A
Encinitas, CA 92024
Attn: Copyright Agent
Email: legal@join9am.com  

 

Arbitration; Class Action Waiver; Jury Trial Waiver

PLEASE READ THIS SECTION CAREFULLY, AS IT DESCRIBES HOW DISPUTES BETWEEN US WILL BE RESOLVED. 

• Arbitration Agreement. For any dispute with 9amHealth, you agree to first contact us at hello@join9am.com and attempt to resolve the dispute with us informally.  In the unlikely event that our support team is unable to resolve a complaint you may have (or if we have not been able to resolve a dispute with you after attempting to do so informally), including, but not limited to, any alleged breach of these Terms, you agree to resolve the dispute through binding arbitration. Arbitration, which is often less expensive, faster, and less formal than a lawsuit in court, uses a neutral arbitrator instead of a judge or jury. Arbitrators can award the same damages and relief that a court can award, and may, but do not have to, award legal fees, arbitrator’s fees and costs, and other costs incurred by the party that does not win the dispute. You agree that any dispute will be exclusively, fully, and finally resolved using binding arbitration through the American Arbitration Association  (“AAA”).

1. Arbitration Procedure. 
2. You and 9amHealth agree to employ three (3) arbitrators (the “Panel”), where one arbitrator (1) is selected by you, one (1) arbitrator is selected by 9amHealth, and the third (3rd) arbitrator is selected by mutual consent of you and 9amHealth. If you and 9amHealth cannot agree upon the third arbitrator, the first two (2) arbitrators chosen shall select the third arbitrator. The selection decision shall be binding.
3. The arbitration shall be conducted by telephone, online, and/or be solely based on written submissions—the specific manner to be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties. Any judgment on the award rendered by the Panel may be entered in any court of competent jurisdiction.

• Any claim or dispute arising under these Terms must be initiated by arbitration within two (2) years from its accrual date. Any claim or dispute initiated two (2) years or longer from its accrual date shall be time-barred and dismissed. 

1. Cost of Arbitration.  Each party will pay the fees for its own attorneys, subject to any remedies to which that party may later be entitled under applicable law. In all cases where required by law, 9amHealth will pay the arbitrator's and arbitration fees. If under applicable law 9amHealth is not required to pay all of the arbitrator's and/or arbitration fees, such fee(s) will be apportioned between the parties in accordance with said applicable law. Any disputes regarding whether 9amHealth is required to pay the arbitrator’s and arbitration fees and/or how those fees are to be apportioned between the parties will be resolved by the arbitrator.

• Exceptions to Agreement to Arbitrate. 9amHealth may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Services or infringement of intellectual property rights (for example, trademark, trade secret, copyright, or patent rights) without first engaging in the informal dispute-resolution process described above.
  
  
• YOU MAY ONLY RESOLVE DISPUTES WITH 9AMHEALTH ON AN INDIVIDUAL BASIS, AND MAY NOT BRING A CLAIM AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. CLASS ARBITRATIONS, CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT ALLOWED UNDER THESE TERMS. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND 9AMHEALTH EACH WAIVE ANY RIGHT TO A JURY TRIAL.
  
  
• Opt-Out of Alternative Dispute Resolution Process.
  
  
• Notwithstanding the above, you can decline or “opt out” of the alternative dispute resolution process described above by contacting legal@join9am.com within 30 days of first accepting these Terms and stating that you (first and last name) decline this dispute resolution process.
  
  
• YOU UNDERSTAND AND AGREE THAT, BY NOT OPTING OUT OF THE ALTERNATIVE DISPUTE RESOLUTION PROCESS DESCRIBED, YOU WAIVE ANY RIGHT TO A JURY TRIAL TO WHICH YOU MAY OTHERWISE BE ENTITLED IN CONNECTION WITH ANY ACTION OR LITIGATION IN ANY WAY ARISING OUT OF OR RELATED TO THESE TERMS.
  
  
• If you opt out of the dispute resolution process described in this section of if this arbitration provision is found to be null and void, then all disputes arising under the Terms between us will be subject to the jurisdiction of the state and federal courts located in San Diego, California, and you and we hereby submit to the personal jurisdiction and venue of these courts. You and 9amHealth agree that if for any reason a dispute proceeds in court rather than arbitration: (1) you and 9amHealth waive any right to a jury trial; (2) the dispute will proceed solely on an individual, non-class, non-representative basis; and (3) neither you nor 9amHealth may be a class representative or class member or otherwise participate in any class, representative, consolidated, or private attorney general proceeding.

Governing Law

These Terms, and any dispute between you and 9amHealth, will be governed by the laws of the State of California and applicable U.S. federal law, without regard to principles of conflicts of law, except that the Federal Arbitration Act will govern the interpretation and enforcement of the arbitration agreement in Section 19 (the “Arbitration Agreement”). Unless you and we agree otherwise, or except where prohibited by applicable law, in the event that the Arbitration Agreement does not to apply to you or to a particular claim or dispute, you agree that any claim or dispute that arises between you and 9amHealth must be resolved exclusively by a state or federal court located in the State of California, and you agree to submit to the personal jurisdiction of the courts located within San Diego, California for the purpose of litigating all such claims or disputes.

California Residents

‍The provider of services is 9amHealth Inc. If you are a California resident, in accordance with Cal. Civ. Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

General

If any provision of these Terms is determined to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable. No waiver of any provision hereof shall be effective unless made in writing and signed by the waiving party. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. The respective indemnities, representation and warranties, and our rights under these Terms will survive any termination of these Terms. To the maximum extent possible under applicable local law, these Terms will be binding on and will inure to the benefit of the legal representatives, successors and assigns of the parties hereto.

Contact Information

If you have any questions about these Terms, you can reach us at legal@join9am.com. You may also contact us at the below address:

9amHealth Inc.
914 N. Coast Highway 101, Suite A
Encinitas, CA 92024