This wallet is offered by ecton. ecton provides the wallet technology and certain financial tools and services made available through the experience. Opening and using the core wallet is free. Certain optional products, features, or services available through the wallet, now or in the future, may carry separate fees or charges, which will be clearly disclosed before you choose to use them and will be subject to applicable terms. Use of the wallet is optional and does not affect access to care, coverage, or treatment decisions. Information made available through the wallet is for general informational and financial planning purposes only and is not medical, insurance, tax, or legal advice. Any estimates, savings illustrations, or payment options may vary based on available information, eligibility, and final billing records. If there is any conflict between information shown in the wallet and applicable account, plan, program, or billing documents, those documents control.