Effective Date: 02/19/2025
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE.
THESE TERMS & CONDITIONS OF USE ("Terms") GOVERN YOUR USE OF NGLLTC.COM (THIS "SITE"). BY ACCESSING THIS SITE, YOU ARE SIGNIFYING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS. THESE TERMS ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY "CHANGE") BY THE COMPANY IN ITS SOLE DISCRETION AT ANY TIME, WITHOUT NOTICE. YOUR USE OF THIS SITE AFTER ANY SUCH CHANGE CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGE. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE MOST CURRENT TERMS.
For purposes of these Terms, the terms "the Company," "we," "us," or "our" means NGL and all of its affiliates, including any insurance products offered by NGL.
These Terms constitute a legal binding agreement made between you, whether personally or on behalf of an insured ("you") and the Company, concerning your access to and use of this Site. These Terms are binding on you as well as your heirs, administrators, executors, successors, and assigns. You agree that by accessing this Site, you have read, understood, and agreed to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
We recommend that you print a copy of these Terms for your records.
To access this Site or any of the resources it has to offer, you may be asked to provide certain details or other information. It is a condition of your use of this Site that all the information you provide on this Site will be correct, current, and complete. If we believe the information you provide is not correct, current, or complete, we retain the right to deny you access to this Site or any of its resources, and to terminate or suspend your access at any time. If we determine that you have submitted fraudulent information through the Site, or omitted relevant information, we reserve the right to deny and close your claim, or to take action up to and including cancellation your policy and reporting you to the authorities.
If we, in our sole discretion, determine your use of this Site to be abusive, harassing, hateful, harmful, illegal, defamatory, obscene, bullying, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, misleading, or needlessly duplicative, we may deny your access to the Site on a temporary or permanent basis.
Your access to and use of this Site is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. You are solely responsible for your submissions and you expressly agree to reimburse us for any and all losses, including attorneys and collections fees, that we may suffer because of your breach of (a) these Terms, (b) any third party's intellectual property or privacy rights, or (c) applicable law.
You represent that (1) all registration information you will submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you will not access this Site through automated or non-human means, whether through a bot, script, or otherwise; (5) you will not use this Site for any illegal or unauthorized purpose; and (6) you use of this Site will not violate any applicable law or regulation. You further represent that you are over the age of 18. The Company does not permit those under 18 to use the Service. We may limit or eliminate your access to this Site if you violate any of the above representations.
You may use this Site only for purposes expressly permitted by this Site. You may not use this Site for any other purpose, including any commercial purpose, without our prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this Site, (ii) frame this Site, or (iii) hyperlink or deep-link to this Site without the express prior written consent of an authorized representative of the Company. For purposes of these Terms, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party, in a manner that is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content (as defined below) accessible within this Site. You agree to cooperate with us in causing any unauthorized co-branding, framing, or linking to immediately cease.
The material and content accessible on or generated by this Site, and any other site that we own, operate, license, or control (the "Content") is proprietary information of the Company and we retain all right, title, and interest in and to the Content. Content may not be copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, or transmitted in any way without our prior written consent, which may be withheld in our sole discretion, except that you may print out a copy of the Content solely for your personal or claim-related use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms violates our intellectual property rights. Neither title nor intellectual property rights are transferred to you by your use of or access to this Site.
We may provide hyperlinks to other sites ("Third Party Sites"). Third Party Sites are not maintained by, related to, sponsored by or affiliated with us and are provided as a service and convenience to you. We have not reviewed Third party Sites and are not responsible for their content. Third Party Sites are to be accessed at your own risk, and we make no representations or warranties about the content, completeness, accuracy or security of Third Party Sites. A hyperlink to a service or site is not an endorsement of the service or site, its content, or its sponsoring organization. Furthermore, we are not liable for any direct or indirect computer system damage or other problems you may incur as a result of clicking on a link to any Third party Site.
In some cases, non-personal information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider, and/or the website from which you linked to this Site. Personal Information about you (e.g., your name, address, telephone number, Social Security number, and/or email address) will not be collected unless you provide it to us voluntarily, however, this information may be necessary for claim purposes. We may also retain information about the frequency of Site visits, duration of each visit, and other information related to which Site pages you access. If you choose not to provide Personal Information, we may not be able to respond to a request, or an error message may be displayed on your browser.
We send Site visitors cookies, web bugs or pixel tags (collectively, "Cookie"), each of which is a small data file sent by this Site to your browser and which may be stored on your hard drive. Our Cookie enables this Site to recognize you if you have a Company policy, or have previously utilized certain Site features. In addition, the Cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information. If the feature is available, you may program your browser software to notify you of attempts to send cookies and you may decline to accept them or you may delete them. Your declination of any Site Cookie may impair your ability to access or use certain functionality of this Site or require you to enter and re-enter information each time you visit this Site.
You understand and acknowledge that we cannot and do not guarantee or warrant that Content available for downloading from this Site or the Internet will be free of viruses, worms, or other malicious code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. We do not assume any responsibility or risk for your use of the Internet or this Site, nor do we assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through this Site or any hyperlinked sites.
If you have agreed to the electronic delivery of documents or conduct business electronically with us, we may, at our discretion, make certain documents required by regulatory authorities, including but not limited to state departments of insurance, available for download or access electronically or via email (such documents may include quarterly or annual statements and privacy notices, collectively, the "Required Documents"). Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY OR NONINFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT THE COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
THE COMPANY, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF PRINCIPAL, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THIS SITE, EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE LESSER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.
You will indemnify and hold the Company, its parents, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors ("Indemnified Parties") harmless from any breach of these Terms by you, including any use of Content other than as expressly authorized in these Terms. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting losses, damages, judgments, awards, costs, expenses, and attorneys' fees in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of or related to your use of the Content accessed from this Site.
Unless otherwise specifically noted, images, trademarks, service marks, logos, and icons displayed on this Site are the property of the Company or its licensors and may not be used without the Company's prior written consent. We and our licensors retain all rights with respect to any of our respective trademarks, service marks, and logos appearing on this Site. Any unauthorized use of the images may violate copyright, trademark, privacy and publicity laws and regulations.
You may not post, send, submit, publish, or transmit in connection with this Site any material that:
We reserve the right to monitor the use of this Site to determine compliance with these Terms, as well as the right to remove or refuse any information or Submission for any reason. Notwithstanding these rights, you remain solely responsible for the content of your Submissions and actions. You acknowledge and agree: we or any third party that provides Content to us shall not assume or have any liability for any action or inaction by us or such third party with respect to any Submission.
All insurance transactions require signed agreements between us and our customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, or verbal communication, may alter the terms of those agreements except that your use of this Site constitutes your agreement to the additional Terms and Conditions of Use applicable to such use. By using this Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.
This Site is controlled by us from our offices within the United States. Except as specifically stated, we make no representation that Content in this Site is appropriate or available for use in other jurisdictions. Access to this Site's Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of U.S. export laws and regulations. The Company and its parents, affiliates and subsidiaries are not authorized to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to programs or services that are not available in your state or country.
We reserve the right to seek any remedy available at law or in equity for any violation of these Terms, including the right to block access from a particular Internet address to this Site.
Depending on your level of access to this Site, you may receive or obtain access to Personal Information as defined by applicable law. Your access and use of such information is governed by state and federal law and limited to specific activities for which you are authorized. Should you access Personal Information intentionally or unintentionally of others for who you are not authorized, you will immediately notify us and you will not copy, download, store or transmit such information to any third party, and you will cooperate with our reasonable efforts to mitigate any unintentional disclosure of Personal Information you are not authorized to receive.
User Codes (User names and passwords) used for this Site are for individual use only. You will be responsible for the security of your User Codes. We will be entitled to monitor your User Codes and, at our discretion, require you to change it. You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with its system resources and/or accounts. The use or distribution of tools designed for compromising security is strictly prohibited. If you become involved in any violation of system security, we reserve the right to release your details to system administrators at other sites in order to assist them in resolving security incidents and to federal or state law enforcement officials. We reserve the right to investigate suspected violations of these Terms.
You agree that we are not responsible for damages or losses resulting from any breach of security caused by your failure to maintain the security and confidentiality of your User Codes. If you permit third parties to access your User Codes, then you agree to defend, indemnify and hold us harmless from and against any liability, losses, damages, or costs and expenses (including attorneys' fees) arising out of, related to or resulting from, such access and related use of this Site. We reserve the right to block access to this Site for any reason. You also agree to immediately notify us if you:
You acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by us.
We do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. We will take reasonable steps to ensure the safety of your personal information. It is your responsibility to scan any and all downloaded materials received from the Internet. We are not responsible or liable for any damage caused by viruses, malware, ransomware, or related hazards (collectively, "Computer Viruses"), whether or not that virus or hazard resulted from a visit to this Site. You, and not the Company assume the entire cost of all necessary servicing, repair, or correction related to Computer Viruses.
We reserve the right to fully cooperate with any law enforcement authorities, regulatory authorities, or court order requesting or directing us to disclose the identity of anyone posting any email messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use. BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY US DURING OR AS A RESULT OF OUR INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER US OR LAW ENFORCEMENT AUTHORITIES.
You represent and warrant that (i) you are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) you are not listed on any United States government list of prohibited or restricted parties.
You may provide us with your email address to enable communication. We may use, and you hereby permit us to use, any email address you provide for the following:
We may communicate with you via email regarding your request to provide additional information related to your initial information request. We may require certain email communications to be conducted through secure or encrypted email. If we send you an advertisement via email, it will include instructions on how to opt-out of receiving such email advertisements in the future. If you elect to opt-out of receiving email advertisements, we will continue to send you non-advertisement emails as stated above. It is your responsibility to maintain accurate records with us and to update your email address if it changes.
We will have no liability for any loss or damage that arises from unaccepted email requests, orders, or instructions. Moreover, we will have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send by email.
In the event this Site permits you to view, change information on your account and receive other information or services related to a contract, claim, or policy issued by us through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, or other security measures that we may require.
We reserve the right, but not the obligation, to: (1) monitor this Site for violations of these Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your submissions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to edit or remove from this Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage this Site in a manner designed to protect our rights and property and to facilitate the proper functioning of this Site.
These Terms shall remain in full force and effect while you use this Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OF FOR NO REASON, INCLUDING WITHUOT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU SUBMITTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your account/access to this Site for any reason or for no reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursing civil, criminal, and injunctive redress.
These Terms will be governed and interpreted pursuant to the laws of the state of California. By accessing this Site you specifically consent to personal jurisdiction in California in connection with any dispute between you and us arising out of these Terms pertaining to this Site. The parties to these Terms each agree that the exclusive venue for any dispute between the parties arising out of these Terms or pertaining to the subject matter of these Terms will be in the state or federal courts having jurisdiction within California. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises.
To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or the Company (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon the written notice from one Party to the other Party.
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes, both of which are available at the AAA website. Your arbitration fees and your share of arbitrator compensation should be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are to be determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Los Angeles County, California. Except as otherwise provided herein, the parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
If for any reason a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Los Angeles County, California, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms. In no event shall any Dispute brought by either Party related in any way to this Site be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
The Parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; And (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
The Parties agree that the following disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Dispute seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of fraud, theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
There may be information on this site that contains typographical errors, inaccuracies, or omissions, including descriptions, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information on this site at anytime, without notice.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
We will maintain certain data that you transmit to this Site for the purpose of managing the performance of this Site, as well as data relating to your use of this Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity that you have undertaken using this Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
Certain health and medical information about you is protected under the Health Insurance Portability and Accountability Act ("HIPAA") and applicable state law. This information may be provided by you online or offline, or may be collected by us from other methods such as through a health care provider. We protect covered health and medical information as we may be required by HIPAA and applicable state law. Similarly, we may use covered health and medical information as permitted by HIPAA and applicable state law.
As we do not control third party websites to which we provide links, the collection and use of your personally identifiable information by such websites shall be subject to the policies and procedures of those third party websites.
The Company does not sell, rent, release or trade personal customer information to outside parties. The Company reserves the right to disclose information if necessary to comply with any legal proceedings.
The Company does not sell or distribute healthcare information, but may utilize anonymously submitted health data you give voluntarily for surveys, research projects or data collection.
Notice of HIPAA Privacy Practices ("Notice"): THIS NOTICE DESCRIBES HOW CERTAIN MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. To the extent we request and obtain any personal healthcare information ("PHI") about your medical history and current health that may be protected under the Health Insurance Portability and Accountability Act ("HIPAA") and applicable state law, this Notice of Privacy Practices explains how that information may be used and shared with others. It also explains your privacy rights regarding this information.
Under HIPAA, certain parties that obtain PHI are required by law to abide by the terms of this Notice, to make sure that information that identifies you is kept private, and to provide this Notice of our legal duties and practices with respect to PHI about you. We are also required to notify you in the event there is a breach of your health information.
Uses and Disclosures of your Health Information: We may use PHI to carry out claim adjudication, advise of nearby providers, and issue benefit payments.
For example, we may use and disclose your information to consult with a third party regarding your condition or care needs.
We may use or disclose your health information:
When required by federal, state, or local law.
To cooperate with law enforcement officials for certain law enforcement purposes as directed by a court order, warrant, criminal subpoena, or other lawful process.
To report abuse or neglect.
When required by a coroner or medical examiner for the purpose of identifying a deceased person, determining a cause of death or other duties as required by law.
When necessary to prevent or lessen a serious and imminent threat to the health and safety of a person or the public and the disclosure is to a person reasonably able to prevent or lessen the threat, as consistent with applicable law and standards.
For judicial or administrative proceedings, in response to a valid court order, administrative order, a grand jury subpoena, or with your written consent.
To business associates to perform functions on the Company's behalf, if the business associate has signed an agreement to protect the confidentiality of the information.
We may disclose your health information to a family member, other relatives, or a close friend or any other person you identify if the information relates to that person's involvement in your health care if you consent to such a disclosure. If you are unable to agree or object to the use or disclosure, we may disclose such information as necessary if we determine that it is in your best interest.
We May Use or Disclose Your Health Information for Other Purposes Only With Your Authorization Your written authorization to use and disclose your health information is required in order for us to: Use and disclose psychotherapy notes containing your health information (to the extent we hold any).
Send marketing communications to you. If we will receive payment for making a marketing communication, we will state this in the authorization.
In addition to the above situations, any other uses and disclosures of your health information not described elsewhere in this Notice will be made only with your prior written authorization.
Patient Rights Inspect and obtain a copy of your health information. You have a right to inspect and obtain a copy of your health information that is used to make decisions about your claim for as long as the Company maintains the information. You may request an electronic copy of this health information that we maintain electronically. This right does not apply to certain health information, including information compiled in reasonable anticipation of or for litigation. Requests for access to health information should be made in writing to the address listed in the Contact Us section at the end of these Terms. You may also ask us to provide a copy of this health information to another person. In that case, your written request must be signed by you, must clearly identify the person to whom you want us to send the copy of your health information, and must state where the copy is to be sent. If access is denied, you will be provided with a written explanation that sets forth the basis for the denial, a description of how you may review those rights and a description of how you may complain.
Receive an accounting of disclosures: At your request, the Company will provide you with an accounting of disclosures by the Company of your health information during the six years prior to the date of your request. However, such accounting will not include certain disclosures, such as those made: 1) to carry out treatment, payment or health care operations; 2) directly to you or your personal representatives; or 3) based on your written authorization. If you request more than one accounting within a 12-month period, the Company will charge a reasonable, cost-based fee for each subsequent accounting. Requests for a request of an accounting of disclosures should be made in writing to the Company at the address listed in the Contact Us section at the end of these Terms.
Request communications by alternative means or at alternative locations: You may request, and we will accommodate, any reasonable written request for you to receive PHI by alternative means of communication or at alternative locations. You must request confidential communications in writing.
Exercise right through a personal representative: You may exercise your rights through a personal representative as permitted or required by applicable law. Your personal representative may be required to produce evidence of authority to act on your behalf before that person will be given access to your information or allowed to take any action for you.
Complaints: If you desire further information about your privacy rights, are concerned that we have violated your privacy rights, or disagree with a decision that we made about access to PHI, you may contact us at the address listed in the Contact Us section at the end of these Terms. You may also file written complaints with the relevant local, state, or national privacy agency. We will not retaliate against you if you file a complaint with us or any governmental agency.
Visiting this Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on this Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THIS SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834 or by telephone at (800) 952-5210 or (916) 445-1254.
If any part of these Terms is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.
These Terms constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain. We may revise these Terms at any time without notice by updating this posting.
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