Legal notice and agreement

Important:

Please be sure to read the following BEFORE you proceed in this website. If you use this website, you are bound by the following rules and agreement, whether you read them or not.

We appreciate your visit to our website. To be sure that you understand the purpose and intended use of the website, we have established certain rules for use of the site, including an agreement you automatically accept by opening and reviewing any page or materials within the website. If you do not wish to follow our website rules and enter into this website agreement with us, please exit the website now. By proceeding to access any page within this website, you agree to the following rules and terms of use:

Ownership of this website and use of website materials

This website is owned and operated by USAble Mutual Insurance Company, d/b/a Health Advantage (HA). All data or information contained in this website is and shall remain the exclusive property of HA (HA Data). By using this website, you agree to respect the ownership rights and rules of use of HA, including the right of HA to monitor this website at any time and the right of HA to process, retain, copy and, subject to our confidentiality policy and applicable laws or regulations, use and disclose any information you may provide to HA through this website. See our Privacy Statement.

You agree not to copy, download, disclose, distribute, transfer, publish, or email any HA Data without the prior, written consent of HA, or as further expressly authorized in this "Ownership" section.

You are authorized to download one copy of any HA Data on this website for your own personal use, provided you (a) do not use the HA Data for any commercial purpose and (b) do not remove, mask or obscure any copyright, trademark, service mark, patent or other intellectual property rights notices or symbols set forth in the HA Data.

Limitation and release of HA from liability

As a condition of your use of this website, and of your access to any HA Data herein, you agree that neither HA nor any affiliated company nor any director, officer, employee or agent of HA or its affiliated companies (HA Parties) shall be liable to you for any harm, injury or loss you may suffer which allegedly is caused by or related to your access to this website or the content, style, accuracy, inaccuracy, currency or staleness of any HA Data or other information contained or reflected within this website.

By using this website, you agree to waive and release the HA Parties from all liability whatsoever which may be caused by, arise from, or in any way relate to your use of this website, including but not limited to any direct, indirect, incidental, special, consequential, exemplary or punitive damages, physical or mental injury or loss, economic loss, loss of profits, injury to reputation or credit standing, emotional distress, psychological injury or loss or other damage or injury of any kind ("Losses"), regardless of whether such Losses allegedly arise from negligence, breach of contract, breach of warranty, breach of fiduciary duty, strict liability or tort.

You agree that if you are not satisfied with the content or operation of this website or with the content, use or effect of any HA Data, or if you believe that your access to this website or any HA Data has in any way caused injury to you, your sole and exclusive remedy shall be to exit the website and refrain from any further access or use.

Important disclaimers -- What we are NOT responsible for

As a condition of your use of this website, and of your access to any HA Data herein, you agree that HA and the HA Parties are NOT RESPONSIBLE FOR:

1. Errors, omissions or inaccuracies in the website or in any HA Data.
   We will try to avoid errors, but you should not expect information in this website to always be current, accurate or error-free because human or machine error may occur, and information may become outdated before we can update this website; in addition, there is always a possibility of "hackers" or other unauthorized postings to this website, which we may not be able to prevent, detect or deter. HA cannot and does not guarantee or represent the accuracy, timeliness, reliability or completeness of any HA Data or other information contained in or accessed through this website.
2. Warranties or representations of any kind.
   HA does not make any warranties or representations of any kind to you or to any other visitor to or user of this website. All HA Data or other information you may access or receive through this website is provided "AS IS" without warranties of any kind, express or implied. This disclaimer of warranties and representations includes but is not limited to any implied warranties of merchantability or fitness for a particular purpose, or of non-infringement of any ownership or intellectual property rights of any third party.
3. Viruses, contamination or other technical or system problems, damages or errors.
   HA will not be responsible for any virus or contamination you or your computer programs or equipment may experience during or as a result of your access to this website or your access to, downloading or use of any HA Data, nor will HA be responsible for any problems, damages or errors associated with your access to this website, or your access to, downloading or use of any HA Data. In using or accessing this website, you assume 100 percent of all risks associated with such access or use, including but not limited to any risk of viruses or contamination, any software, hardware or other problems or losses, or any damages or errors related to such access or use.
4. Providing links to other sites, the content of other sites, or the conduct of the owners of other sites.
   You may see opportunities within this website to link to other websites, an option we may provide from time to time purely as a convenience service to website visitors. If you choose to access other websites from this website, you agree, as a condition of choosing any such link or access, that HA is not and shall not be responsible or liable to you or to others in any way for your decision to link to such other websites. You further agree that HA and the HA Parties are not responsible for the content of any other website to which you may link, nor are HA or the HA Parties liable or responsible under any circumstances for the activities, omissions or conduct of any owner or operator of any other website. Once you choose to link to another website, you understand and agree that you have exited this website and are no longer accessing or using any HA Data. You understand and agree that by making any third-party website link available as an option to you, HA does not in any way endorse any such website, nor state or imply that you should access such website or obtain or use any services, products or information which may be offered to you through such other websites or by the owner or operator of such other websites. The owners or operators of any other websites (not HA) are solely responsible for the content and operation of all such websites. HA makes no warranties or representations of any kind, express or implied, nor of merchantability or fitness for a particular purpose, nor of non-infringement, with regard to the content or operation of any other website to which you may link from this website.
5. Acts or omissions of any other person, company or entity.
   You agree that HA is not and shall not be responsible or liable to you or to others for any conduct, misconduct, mistakes, errors or omissions of any other person or company which may in some way affect your access to or use of this website or of HA Data, or the operation or content of this website, including but not limited to the acts or omissions of unknown third parties, unauthorized users or "hackers," internet service providers, competitor companies, utility companies, governments, courts, law enforcement authorities, or local, state or federal regulatory agencies.

Improper use prohibited

By accessing or using this website, you agree to use it and the HA Data made available herein solely for your own personal use in the manner in which it is intended and for the legitimate business and informational purposes for which the website is operated by HA. You further agree that you shall not use or attempt to use this website or any HA Data or other information obtained herein for any unlawful or harmful purpose, including but not limited to any sabotage, industrial or economic espionage, defamation of any person or company or the humiliation, harassment, intimidation or threatening of any other person or company. You agree that you will not employ at any time nor attempt to enter into the website any improper data, comments, statements or materials of any kind, including but not limited to any false, fraudulent, defamatory, or scandalous data, statements or accusations, any profanity, any pornographic or sexually explicit materials, images, depictions, diagrams, drawings, illustrations, video displays or references of any kind, nor any material containing or designed or intended to convey any insults to another person based on race, sex, national origin, ethnicity, age, color, disability, sexual orientation or religion. You understand and agree that this website is a private enterprise owned and operated exclusively for business purposes of HA and its affiliated companies, and as such that this website shall not be used by you to solicit any business apart from the products, goods or services offered to Arkansas residents by HA, nor shall this website be used by you to promote any personal, political or religious agenda or philosophy of you or any other person or organization.

You agree that HA shall be entitled, if it so chooses, to take steps to bar your continued use or access to this website in the event of any improper activity of any kind and further that HA may report any such improper activity to appropriate civil or criminal authorities or agencies, either local, state or federal, and may in certain instances pursue civil action or criminal charges and prosecution against violators.

Jurisdiction and remedies for violation of rules

If you violate any of these website rules, or if there is any dispute between you and HA relating to your access to or use of the website or to the HA Data, you agree that you will be subject to the personal jurisdiction of the courts of Pulaski County, Arkansas, for all purposes relating to any civil or criminal action in connection with your violation or with regard to any dispute between you and HA related to this website. In the event of any violation of these rules, you agree that, in addition to other remedies that might be available, HA shall be entitled to an injunction against you to stop such violations.

Product offerings limited to Arkansas residents

While it is possible that you may access this website from any state in the United States, you understand and agree that the health insurance and health plan business of HA is limited to the state of Arkansas and that HA does not solicit or seek to place any insurance coverage outside the state of Arkansas. Accordingly, you agree that if you are a non-resident of Arkansas, you will disclose your residency accurately and completely and will not accept any health insurance or health plan offering or solicitation of HA even if some such offering or solicitation is mistakenly or inadvertently directed to you as a non-resident of Arkansas, either by machine or human error.

Cooperation, release of data and privacy policy

By accessing or using this website, you agree to cooperate fully with HA to promote the proper use and working of the website, and to identify, report or investigate any improper use or conduct in connection with the website. You agree to promptly report to HA any improper use of the website or HA Data, or any improper or unauthorized content or information displayed within the website.

If you enter any data on any web page or location within this website, or otherwise provide data in response to the website or in connection therewith, you authorize the release of such data to HA and to all affiliated companies, employees or agents of HA whose access to such data is related to the business operations of HA or its affiliated companies. This authorization for release of data is subject to the confidentiality policies of HA, and requirements of applicable laws and regulations. While HA will treat personally-identifiable data you may enter or submit via this website as confidential to HA and its affiliated companies, HA cannot and does not guarantee that data you enter or submit on this website is secure or will not be accessible to unauthorized third parties or unintended recipients. See our Privacy Statement

No legal, medical or other advice offered or intended

You understand and agree that nothing contained in this website or the HA Data is intended or shall be construed as any kind of advice or counseling to you. This website does not offer legal advice, medical advice, health advice, nor any other form of advice or counseling. In making any decisions regarding any matter addressed in this website you should not rely on HA or the HA Data for advice as to laws or regulations, or your financial, physical or mental well-being or general health or nutrition. Regardless of any material contained in this website or the HA Data, you should ALWAYS CONSULT YOUR OWN PHYSICIAN ON ANY MEDICAL MATTERS, AND YOUR OWN ATTORNEY ON ANY LEGAL OR REGULATORY MATTERS.

Mobile and Other Devices

Associated Fees

Our web and mobile services are free, but please be aware that your mobile carrier's normal rates and fees, such as text messaging and data charges, will still apply when accessing our website, app or other services with your mobile device(s). Any and all fees are your sole responsibility.

App Privacy

Mobile Device Applications ("Apps") Information that we receive through the use of any of our Apps, including, but not limited to, the number of times that you use the App and information that you submit, is subject to the terms of this Privacy Policy. When you download and install one of our Apps onto your mobile device, certain information may be saved to your device for certain App functionality enhancements. We do not obtain any information about your mobile device, other than the brand, make and model and type of operating software your device uses. HA' Apps obtain your consent (via an opt-in) before using information from pinpointing technology like GPS or cell tower information. You can withdraw your consent (opt-out) for the use of "location" at any time by changing your location services in the "Settings" function on your mobile device.

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