Univfy is an analytics platform for in vitro fertilization (IVF) success and affordability. Using predictive models, Univfy can provide a personalized prognosis for a patient’s likelihood of success with IVF and use this to create dynamically priced, shared risk financing programs (i.e. refund programs, discounted multi-cycle packages, and loans). The Company’s personalized IVF prognostic reports help improve the customer experience for patients and has enabled IVF clinics to improve transparency and efficiency.