WEBSITE TERMS AND CONDITIONS
These Terms and Conditions cover your use of the Website. The Website or any of the programs, content, or material available through the Website is intended for your private personal use. You are prohibited from using them for commercial purposes without our prior written consent. The Website, and all the content provided therein, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed without our prior written consent. Unauthorized use of the Website or the materials contained therein may violate applicable intellectual property or other laws. You are prohibited from posting on or transmitting to or through the Website any illegal, unlawful, defamatory or libelous, offensive, abusive, obscene, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law, ordinance, rule or regulation.
CHANGES TO OUR TERMS
We may change these Terms and Conditions at any time by updating these pages.
You agree to review any applicable terms and conditions regularly and that your use of any part of the Website will be subject to any such changes once they are made.
AVAILABILITY OF SITE, RECORD, AND SERVICES
The content, including layout, of this Site or products or services available via the Website, may be wholly or partially suspended, withdrawn, or changed at any time.
We also reserve the right at any time to immediately suspend the provision of all or any part of the Website to you and/or block your access to this Site.
Only individual covered employees of our customers (those who availed of their employees' HMO coverage thru us) are authorized to access and use the Website. We may require your prior registration with us in order to verify your identity and in order to permit access to the Website. In any case, you must maintain in the strictest confidence and warrant not to improperly use or disclose any private or other confidential information belonging to us, your employer, or any other person. We are not liable for any loss arising out of any unauthorized access to or use of this Website by any person.
While we use reasonable efforts to include accurate and up-to-date information on the Website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, we make no warranties of any kind regarding the Website or the content, programs, or material provided on the Website, all of which are provided on an "as is" basis. We do not warrant the accuracy, completeness, currency, reliability, or availability of any of the content, programs, material, or data found on the Website and expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement, and any such warranties or conditions arising by statute or otherwise in law or from a course of dealing or usage of trade.
We do not represent that (a) any information contained on the Website will be accurate, complete, or up to date; (b) the Website will be available; (c) access to the Website will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as the Website is transmitted to you; (d) no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.
We do not provide any guarantee about the accuracy, functionality, or performance of any third-party software, content, or equipment used in connection with the Website.
We do not engage in rendering any professional advice. The contents of the Website are not substitutes for obtaining legal, medical, or other professional advice. The Website is made available to you as accommodation and as a matter of courtesy.
EXCLUSION OF OUR LIABILITY
In no event shall we be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data, or profits, arising out of or in any way connected with the use or performance of the Website, with the delay or inability to use the Website or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Website, or otherwise arising out of the use of the Website, whether based on contract, quasi-delict, tort, negligence, or otherwise, even if we have been advised of the possibility of damages. If you are dissatisfied with any portion of the Website, your sole and exclusive remedy is to discontinue the use of the Website.
You acknowledge that you are solely responsible for the protection of your account information. You acknowledge that it is your sole responsibility to ensure that your computers and your access to the Website are adequately secured against any unauthorized users. In the event you feel that the security of your account information has been compromised, you agree that you will immediately report to us through the e-mail address [email protected] any unauthorized access to your records. You acknowledge not to rely on e-mail alone if you need to contact us or for any immediate concerns you might have.
You acknowledge that you will not use the Website or permit others to use the Website in any way (including via electronic means) and for any purpose which is illegal, unlawful, defamatory or libelous, offensive, abusive, obscene, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law, ordinance, rule or regulation.
You acknowledge that you will not introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.
Links from the Website to third-party websites are provided solely for your convenience and not as our endorsement of the contents of such third-party websites. The contents of any such websites are under the control of third parties, and we do not have any association whatsoever with such websites or with the third parties for purposes of such websites unless expressly stated. We will not be responsible for the content of such third-party websites. We make no representation or warranty regarding such third-party websites or their contents or materials. Your access of such third-party websites will be at your own risk.
INTERNET AND E-MAIL COMMUNICATIONS
Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss, or alteration.
We are not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.
OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.
INTELLECTUAL PROPERTY RIGHTS
All intellectual property rights (including without limitation, copyright, trademarks, design rights and patents) in the pages, screens, information and materials included in the Website are owned by or licensed to us, unless otherwise stated. Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. Our name and our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on the Website, without prior written permission. You are not authorized to use our logo as a hyperlink to the Website unless you obtain our written permission in advance.
You may print, copy, download or temporarily store extracts from the Website only for your private personal use or to help you use our services. You must not alter any extract contained on or obtain from the Website in any form. Any other use is strictly prohibited without obtaining our prior written permission.
We shall collect no personal information about you when you visit our website unless you choose to provide that information to us. The use of collected information is subject to our Privacy and Security Policy. Please refer to these policies.
These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, that provision will nonetheless be enforced to the fullest extent permitted by applicable law, and that determination will not affect the validity or enforceability of any other remaining provision.
Last reviewed: July 2023
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