PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE. By accessing this website and/or mobile application service (collectively "site"), or accessing information on this site, you are signifying your assent to these Terms and Conditions. If you do not agree to all of these Terms and Conditions, do not use this site! The use of this site and its content is at your own risk. You must be at least thirteen years of age to access this site.

The provider of this site and its content may revise and update these Terms and Conditions at any time. The provider of this site reserves the right to remove, screen, edit, or reinstate content, including but not limited to third party content, from time to time at its sole discretion and without notice to you. The provider of this site may also make modifications or changes in, or discontinue products, services or programs offered at any time with or without notice. Your continued usage of the site will mean you accept and agree to be bound by those changes.

Unauthorized entry into secure portions of this site may constitute a crime under state and/or federal law; such violations shall be prosecuted to the fullest extent of the law.

To the extent requested, you agree to: (a) provide true, accurate, current and complete information, and (b) maintain and update this information to keep it true, accurate, current and complete. If any information provided by you is untrue, inaccurate, not current or incomplete, the provider of this site has the right to terminate your account and preclude any further access.

This site is not a substitute for professional medical, financial and/or tax advice. All information, materials and data available through this site, including Personal Health Records ("PHR"), are for general informational purposes only. You further understand and acknowledge that the PHR is a summary of some information in our system, which is always subject to verification, and does not represent your entire record.  You understand and acknowledge that only you know your entire record, and that you must provide your physician and other medical professionals with your entire medical history and record when seeking advice or treatment.  The site is intended only to assist you in the organization of, and decision-making relating to, your health care coverage, payment options and/or payment of medical expenses (to the extent such payment is allowed through the site), and is broad in scope. Accordingly, before making any final decisions or implementing any financial or health care strategy, you should consider obtaining additional information and advice from others who are fully aware of your individual circumstances. You should contact your physician or other medical professional if you have any questions about your medical condition, or if you need medical help. You should consult your healthcare professional before taking any drug, changing your diet or commencing or discontinuing any course of treatment. Any drug and health information is intended to supplement, not substitute, the expertise and judgment of your healthcare professional. If you need emergency medical help, you should immediately call 911 or your physician.

Claim information may be provided by a third party, such as a pharmacy benefit manager, and may be used for informational purposes only. Such claim information (and any other data on this site) in no way should be used for medical treatment purposes. If any discrepancies exist between the data on this site and an individual's actual claims, please contact the third party who provided the claim information.

The provider of this site and its content also assumes no responsibility, and shall not be liable, for any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to or use of the site, or your downloading of any materials, data, text, images, video, or audio from this site.

If any provision of these Terms and Conditions is held to be illegal or unenforceable, then such provision shall be eliminated or limited to the minimum extent necessary, and the remainder shall remain in full force and effect.

Limitations

Not Responsible for Coverage Determinations: The provider of this site may provide assistance to help you understand your health care coverage. However, the ultimate decision on whether a procedure or drug is covered, and to what extent coverage may be provided, rests solely with your health plan, and not the provider of this site. You are responsible for the reviewing and understanding the terms and conditions of all health plan-related documents applicable to you.

Payments: To the extent the provider of this site offers payment services, you authorize the provider of this site to act as an agent on your behalf to facilitate payments to third party service providers. While the provider of this site will seek to provide accurate information on the amounts that you may owe third parties, the provider of this site will not be responsible for those amounts owed. You agree that you will remain responsible for any and all amounts owed to such third parties, regardless of information provided through the site and or paid on your behalf by the provider of the site, to the extent the provider of this site offers payment services.

Educational Resources: The provider of this site may make available informational services which provide general medical and health information. These communications and resources are not comprehensive medical texts and do not include all the potential information regarding the subject matter. These communications and resources are for general educational and informational purposes only and should not be relied upon as a substitute for patient-specific medical diagnosis and treatment, or be construed, directly or indirectly, as the practice of medicine or dispensing of medical services by the provider of this site. Such information is not a substitute for seeing an appropriate healthcare professional for medical treatment. The provider of this site makes no warranty as to the content of these materials.

Third-Party Sites: The provider of this site is not responsible for the products and services offered by or on third-party sites, as well as, more broadly, any content contained on those sites. The provider of this site cannot always foresee or anticipate technical or other difficulties that may result in failure to obtain data or loss of data, personalization settings or other service interruptions on the third-party sites. The provider of this site cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings on the third-party sites.

Rights You Grant Us

Information:You permit the provider of this site to retrieve your or your dependents information maintained online by administrators of your health plans or other third parties with which you engage in healthcare transactions, as well as financial institutions used for payment services, to the extent the provider of this site offers payment services. The provider of this site makes no effort to review your account information for any purpose, including but not limited to accuracy, legality or non-infringement. You warrant that all information provided is accurate and you have all legal right to provide such information.

By submitting content through this site, you represent that you are entitled to submit the content without any obligation by the provider of this site to pay any fees.

Payments: To the extent the provider of this site offers payment services, you authorize the provider of this site to act as an agent on your behalf to facilitate payments to third party service providers. While the provider of this site will seek to provide accurate information on the amounts that you may owe third parties, the provider of this site will not be responsible for those amounts owed. You agree that you will remain responsible for any and all amounts owed to such third parties, regardless of information provided through the site and or paid on your behalf by the provider of the site, to the extent the provider of this site offers payment services.

To the extent the provider of this site offers payment services, you may request the provider of this site to make a payment on your behalf by using one of the Payment Methods. In doing so, you authorize the provider of this site to use your account information that you provided to initiate a transaction for the amount indicated over the appropriate payment network. For any payments made through this site, you warrant there are appropriate funds or credit available to cover the amount of the transaction. If the provider of this site were to find this is not the case through one or repeated declined or returned transactions, the provider of this site reserves the right to suspend or terminate your account.

To the extent the provider of this site offers payment services, in order to facilitate reliable, error-free payment to healthcare providers, the provider of this site will process payment on your requested Payment Method and may hold your funds for some period of time in a clearing account. This process allows time to handle rejected or returned payments transactions prior to disbursing funds to healthcare providers. In authorizing payment, you expressly grant the provider of this site the right to hold funds as deemed necessary.

If a credit or debit card transaction is declined, you will be notified and may be provided with the opportunity to attempt the transaction again or opt for an alternate Payment Method. If a credit or debit card transaction is authorized but later disputed, your account may be suspended until the situation is resolved, or your account may be canceled. Similarly, if any other payment type is returned due to insufficient funds, you will be notified, and you may be provided with the opportunity to attempt the transaction again or opt for an alternate Payment Method. However, if any other payment types or transactions are returned due to an account holder dispute, your account may be suspended until the situation is resolved, or your account may be canceled. The provider of this site may pursue legal remedies for any monetary damages to the provider of this site.

To mitigate risk of money laundering and/or fraudulent transactions, the provider of this site may impose limits on transaction velocity, single transaction dollar value, or aggregate transaction dollar value associated with an account, group of accounts, healthcare provider, or group of healthcare providers. These limits may result in the delay of a payment or payments, the suspension of an account or accounts, the cancellation of an account or accounts, or the suspension of or termination of payments to a healthcare provider or group of providers.

Legal Notices, Limitations of Liability and Disclaimers

THIS SITE DOES NOT VERIFY ELIGIBILITY - ONLY THE EMPLOYER CAN VERIFY ELIGIBILITY. NOTHING CONTAINED ON THIS SITE CONSTITUTES A GUARANTEE OF PAYMENT. RATHER, ALL BENEFITS ARE SUBJECT TO AND WILL BE BASED ON THE GENERAL LIMITATIONS, DEFINITIONS, TERMS AND ALL OTHER PROVISIONS CONTAINED IN THE APPLICABLE WRITTEN PLAN DOCUMENT(S).

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE AND CORRESPONDING SERVICES, AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE, IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE PROVIDER OF THIS SITE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE SITE AND CORRESPONDING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE, WHETHER SUCH WARRANTIES ARE EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/IOR NONINFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE PROVIDER OF THIS SITE IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA ON THIS SITE OR FROM ANY THIRD PARTY, INCLUDING THIRD PARTY WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OR ENDORESMENT BY THE PROVIDER OF THIS SITE OF THE PARTICULAR WESBITES OR CONTENT THEREOF. THE PROVIDER OF THIS SITE CANNOT GUARANTEE THE LACK OF ANY INTERRUPTIONS IN THE AVAILABILITY OF THIS SITE OR CORRESPONDING SERVICES, WHETHER THE RESULT OF ACTIONS BY THE PRPOVIDER OF THIS SITE OR ANY THIRD PARTY. THE PROVIDER OF THIS SITE MAKES NO WARRANTY THAT 1) THE SITE WILL MEET YOUR REQUIREMENTS, 2) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, 3) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, 4) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, AND 5) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE PROVIDER OF THIS SITE OR THROUGH OR FROM ANY CORRESPONDING SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

IN NO EVENT SHALL THE PROVIDER OF THIS SITE, OR ANY OTHER PARTY INVOLVED IN CREATING OR DELIVERING THE SITE, BE LIABLE FOR ANY DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES, HOWEVER CAUSED, ON ANY THEORY OF LIABILITY AND WHETHER OR NOT THE PROVIDER OF THIS SITE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT IS THE PROVIDER OF THIS SITE LIABLE FOR ANY DAMAGES CAUSED BY YOUR OR ANY THIRD PARTY'S ACTS OR OMISSIONS.

Any claims against the provider of this site arising in connection with your use of this site, or any product or information offered or purchased through this site must be brought against the provider of this site within one (1) year of the date of the event giving rise to such action. When using the site, information will be transmitted over a medium which may be beyond the control and jurisdiction of the provider of this site, its customers and/or vendors. Accordingly, the provider of this site assumes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of the site.

Intellectual Property

Copyrights Trademarks and Patents: All of the content included on the site, including text, art, graphics, logos, button icons, images, pictures, audio clips and software ("Content"); trademarks, trade names, logos, brand names and service marks ("Marks") of the provider of this site, whether registered or unregistered; and/or patents and patent applications ("Patent Rights") of the provider of this site, are the property of the provider of this site, its partners or content providers, as applicable, and are protected by U.S. and international copyright, trademark or patent laws, as applicable.

Any use of 1) Content, including modification, transmission, presentation, distribution or republication, 2) Marks, and/or 3) Patent Rights is prohibited without the prior written consent of the provider of this site (or if a Mark is owned by a third party, the prior written consent of such third party).

You agree that you will not upload or transmit any communications or content of any type that infringe or violate any rights of any party.

Restrictions

Restrictions on Use: You agree that you will not use the site in order to invade the privacy of, obtain the identity of, or obtain any personal information about any other user of the site; modify, erase or damage any information contained on the computer of any user connected to the site; reverse engineer any portion of the site, violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising), send any fraudulent funds, refuse to cooperate in any investigation of potentially fraudulent or suspicious activity or any potential discrepancies that may be discovered, or use your account in any way that may reasonably be viewed as an abuse of the site or violation of any payment network or cardholder association rules to the extent applicable.

Additionally, you agree not to post or transmit 1) information under a false name; and/or 2) any information which is a) libelous, defamatory, obscene, fraudulent, false or contrary to the ownership or intellectual property rights of any other person, and/or b) contains any virus, worm, Trojan horse or other code which is contaminating or destructive to the files or programs of the provider of this site or any of its users.

The provider of this site reserves the right to delete any information provided by you that it deems in its sole discretion fraudulent, abusive, defamatory, obscene or in violation of a copyright, trademark or other intellectual property or ownership right of any other person.

As a user of the site, you may either receive an activation code for registration and/or select a username and password in order to access the site, or access the site through a customer's or business partner's password protected site. You hereby agree that you will not distribute your activation code, username and/or password, as applicable.