Terms and Conditions of Use

Please read the following Conditions and Terms of Use (“Terms”) before using the okipa.org website (“Website”) and purchasing Oklahoma Independent Physician Association(“Oklahoma Independent Physician Association”) products.

By accessing our Website, the user (“You”) agrees to these Terms. If you do not agree to these Terms you may not use this site.

Oklahoma Independent Physician Association reserves the right, at any time, to modify, alter or update these Terms, and You agree to be bound by such modifications, alterations or updates.

You must be 18 years of age or older to use dermamedics.com.

Oklahoma Independent Physician Association Grants you permission to access our Website for the sole purpose of ordering our products. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of our Website, is strictly prohibited.


Oklahoma Independent Physician Association Exclusively retains all property rights in all content found on our Website, such as text, graphics, logos, button icons, images, audio clips, and software, as well as, the collection or arrangement of this content. This content is protected by the U.S. and international copyright laws.


Oklahoma Independent Physician Association Exclusively retains all property rights in all trademarks, logos, service marks and trade names displayed on our Website.

You may not reproduce, modify, distribute, transmit, republish, display or use the content of our Website for any purpose other than to purchase Oklahoma Independent Physician Association’s products.

User’s Testimonials and Before/After Photos

If You submit any comments, testimonials, or photos to Oklahoma Independent Physician Association(“Customer Submissions”), You:

– grant to Oklahoma Independent Physician Association non-exclusive, irrevocable, fully-paid and royalty-free, sublicensable and transferable license in perpetuity to use and/or edit your Customer Submissions in any manner and for any purpose;

– acknowledge all Customer Submissions are non-confidential and non-proprietary;

– You represent and warrant that you own all Customer Submissions that you send to Oklahoma Independent Physician Associationand if Oklahoma Independent Physician Association Chooses to display Your Customer Submission, it does not violate the privacy rights, publicity rights, copyright, contract rights or any other rights of You or any other person or entity.

Links to Other Websites

This Website may contain links to other websites. GMB Posting Professional Does not assume any responsibility for these sites, including their content, and does not endorse or recommend their products or services.

Refunds and Return Policy

Oklahoma Independent Physician AssociationSkin Care offers a no return policy. All sales are final.

Product Pricing and Currency Exchange Rates

The prices displayed on our Website are quoted in U.S. dollars. Please be aware that local currency values vary and thus, exchange rates between the US dollar and other currencies also vary. Oklahoma Independent Physician Associationhas absolutely no control over any currency exchange rate; this rate is set solely by your bank, credit card, or other financial institution. If You purchase DermaMedics Products using funds denominated in a foreign currency, Oklahoma Independent Physician Associationwill charge You the price in U.S. dollars. The amount of foreign currency funds your financial institution charges You for Your purchase is solely determined by that financial institution, and not in any way by Oklahoma Independent Physician Association.

 When you sign up with Oklahoma Independent Physician Association, you agree to be charged monthly automatically by credit card.

Please check with your financial institution to find your exact currency exchange rate to determine the actual current price of DermaMedics Products in your local currency or with other questions before ordering Oklahoma Independent Physician Association’s products.

Delays in Receiving Orders

Here at Oklahoma Independent Physician Associationwe value our customers above all else and are dedicated to not only providing you with the very best treatment but also exceptional customer service. However, seldom, things happen that are out of our control, these problems range from natural disasters to delays caused by occasional problems in the course of our business. If these rare events do occur, please be aware that you may experience a slight delay in receiving Your products. Our promise to you is we will do everything feasible to get your products to you as quickly as possible.

International Legal Compliance

All of our products are produced to meet the highest standards and comply fully with all U.S. Federal Drug Administration regulations and other laws here in the United States. However, please be aware that Oklahoma Independent Physician Associationis not responsible for compliance with any laws outside the United States. You, as the purchaser, are solely responsible for complying with all laws in your home nation and local jurisdiction. You are also solely responsible for paying and complying with all customs, duties, and other taxes incurred by ordering Oklahoma Independent Physician Association’s products to be shipped into your home nation.

Risk of Loss

Oklahoma Independent Physician Association Shall bear the risk of loss for all products only until the shipping company confirms that the ordered product was delivered to the shipping address You provided when ordering the product. At that point, the entire risk of loss passes to You, the customer.

Resolution of Legal Disputes or Claims

If You have any problem or dispute, whatsoever, involving Oklahoma Independent Physician Association, You agree to follow the 2-step resolution process explained below:

Step 1 Mandatory Pre-Arbitration Procedures: You agree that before initiating any legal action against Oklahoma Independent Physician Association, you will:

send Oklahoma Independent Physician Association written description of your problem or dispute and explanation of how Oklahoma Independent Physician Associationcan resolve it, with the subject line: “ATTENTION GENERAL COUNSEL”, via the “Contact Us” page on our Website

wait 60 days from the date of Your written submission so that Oklahoma Independent Physician Associationmay work on resolving your problem or dispute before You file for arbitration, as explained below.

Step 2 Mandatory Arbitration: You agree that, after following the Mandatory Pre-arbitration Procedures, explained above, all claims, disputes or controversies shall be resolved by final and binding arbitration in the County of Oklahoma, State of Oklahoma City, OKlahoma, U.S.A. You acknowledge that You are foregoing any rights to litigate claims in a court or before a jury. This arbitration contract is made pursuant to a transaction in interstate commerce and its interpretation, application, enforcement, and proceedings shall be governed by the federal arbitration act (“FAA”), and conducted by Judicial Arbitration and Mediation Services, Inc. (“JAMS”), in accordance with the JAMS arbitration rules. The prevailing party shall be entitled to an award of its reasonable attorneys’ fees and actual costs incurred in the underlying legal action. The arbitrator’s decision will be final, binding, and enforceable in a court of competent jurisdiction.

Waiver of Right to Class Action

You agree to waive Your right to join or consolidate Your legal claims as part of a class action lawsuit and to arbitrate any claim as a representative or member of a class. Further, in any such dispute, under no circumstances will You be permitted to obtain awards for and hereby waive all rights to claim punitive, incidental or consequential damages (including reasonable attorneys’ fees and costs), other than actual out-of-pocket expenses and further waive all rights to have damages multiplied or increased.


The information, services, and products on our Website are offered on an “As Is” basis with no warranty. TO THE MAXIMUM EXTENT PERMITTED BY LAW, Oklahoma Independent Physician AssociationDISCLAIMs ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH INFORMATION, SERVICES, AND PRODUCTS, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. Also, DermaMedics Does not represent or warrant that the information accessible via our Website is accurate, complete or current. Price and availability information is subject to change without notice.

Limitation of Liability

IN NO EVENT SHALL Oklahoma Independent Physician Association BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES FOR ANY LEGAL CLAIM ARISING OUT OF OR IN CONNECTION WITH THE USE, SERVICES, PRODUCTS AND MATERIALS AVAILABLE FROM OUR WEBSITE. Oklahoma Independent Physician Association’S LEGAL LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER SHALL BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO Oklahoma Independent Physician Association FOR Oklahoma Independent Physician Association’S PRODUCTS. These limitations shall apply notwithstanding any failure of essential purpose or the existence of any limited remedy.

Governing Law and Jurisdiction

English is the authoritative text of this Agreement, and all communications and proceedings must be conducted in English. If this Agreement is translated, then the English language version will control. This Agreement shall be governed by and construed in accordance with the laws of the State of Oklahoma, excluding its conflict of laws principle. The parties disclaim application of the United Nations Convention on Contracts for the International Sale of Goods.


If any of the provisions of these Terms are held to be void or unenforceable, such provisions shall be limited to the minimum extent necessary and the rest of the Terms shall still be enforced as written.