We believe our first responsibility is meeting the needs of our clients. Everything we do must be conducted with the highest level of ethics and objectivity to ensure that every policy we sell is based on your best interest, not ours.
We will maintain high standards of business communications by responding to your inquiries within 24 hours – even if it takes more time to fully address your concerns. We must constantly strive to be your trusted advisor on the current and ever changing state of the health care industry, hospital and physician networks, plan benefits, formulary coverage and cost sharing.
We are responsible to our employees and contracted agents, the communities in which we live and work, and the men and women who support our business services throughout the country. We must be good citizens, show gratitude, and support good works and charities.
Effective Date: 06/19/2017
NOTE: TERRI YUREK INSURANCE SERVICES’s Notice of Privacy Practices under HIPAA governs how medical information about you may be used and disclosed by TERRI YUREK INSURANCE SERVICES.
The Types of Information We Collect
TERRI YUREK INSURANCE SERVICES collects personally identifiable and non-personally identifiable information through your online interactions with TERRI YUREK INSURANCE SERVICES and the Websites.
The personally identifiable information that TERRI YUREK INSURANCE SERVICES may collect about you may include, without limitation, your first and last name, address, telephone number, date of birth, password, gender, credit or debit card number, or other payment method, billing and shipping information, order history and preferences. If you create an online account with TERRI YUREK INSURANCE SERVICES and designate an individual as an authorized user of your online account or if you have a legal guardian (each, a "Caregiver") we also may collect information provided to us regarding the Caregiver, such as the Caregiver's first and last name, and email address.
The non-personally identifiable information that TERRI YUREK INSURANCE SERVICES collects about you is aggregated or otherwise does not link to personal contact information, and may include, without limitation, your Internet Protocol (“IP”) address, Collection Technology information (as described below), the pages you request, type of device you use, the operating system you use (e.g., Microsoft Windows, Mac OS or Google Chrome OS), the type and version of browser you use (e.g., Firefox, Chrome, Internet Explorer or Safari), your activities while visiting the Websites and the content you access or view when using same, the time of your visit, the pages you visit and the time spent, your general geographic location such as the city from which your device is connecting to the Internet, information regarding the Websites you visit prior to and after visiting the Website, and information regarding your age, gender and interests with respect to products and services.
How We Collect Information
TERRI YUREK INSURANCE SERVICES and/or its Service Providers may collect personally identifiable information that you voluntarily provide to TERRI YUREK INSURANCE SERVICES through your online interactions with TERRI YUREK INSURANCE SERVICES and the Websites, such as:
- Signing up for an email newsletter through the Websites;
- Registering/signing up for classes, seminars, meetings or other events;
- Filling out an online form on the Websites to request information;
- Contacting TERRI YUREK INSURANCE SERVICES customer service or support, or providing feedback to TERRI YUREK INSURANCE SERVICES;
- Creating an online account; and
- Placing an order or transacting business with TERRI YUREK INSURANCE SERVICES or its Service Providers.
TERRI YUREK INSURANCE SERVICES and/or its Service Providers may collect non-personally identifiable information through your accessing, using and browsing of the Websites, and other online interactions with TERRI YUREK INSURANCE SERVICES and the Websites, in a variety of ways, such as:
- server log files, which automatically record certain non-personally identifiable information on server logs;
- cookies, web beacons, pixels, gifs, tags and other technologies that collect information in similar ways ("Collection Technology"), which may store a piece of data on your browser or device, or may identify, compile, aggregate and/or collect information through other means;
- other information that you voluntarily provide, if the portion of such information that personally identifies you or any other user is removed and/or if the information is aggregated ("De-Identified Data"); and
- Google Analytics, a web analytics service provided by Google, Inc., as described below.
When you visit the Websites, your browser or device may be exposed to Collection Technology which may be stored on your browser or device. You may delete and/or refuse the use of certain Collection Technology by selecting the appropriate settings on your browser. You may use the Websites even if you choose to refuse or delete such Collection Technology; however, please note that this may affect your ability to use the full functionality of the Websites.
TERRI YUREK INSURANCE SERVICES may combine or verify information collected or acquired through the Websites with information you provide in your offline interactions with TERRI YUREK INSURANCE SERVICES. If the combined or verified information permits us to contact you online or offline, we will treat the combined information as personal information.
How We Use Information We Collect
TERRI YUREK INSURANCE SERVICES may use your personally identifiable information to provide you with access to your online account; improve your web experience; complete your registration to participate in classes, seminars, meetings and other events; administer surveys; send you newsletters or information or contact you via e-mail, postal mail or telephone about your request for information, our services, offers and news that may be of interest to you, and participation in classes, seminars, meetings and other events; respond to your communications; communicate with you about our services; contact your Caregiver; provide you with customer service and support; and attend to tasks relating to your transactions with TERRI YUREK INSURANCE SERVICES.
TERRI YUREK INSURANCE SERVICES may use your non-personally identifiable information in any way it wishes, including, without limitation, to administer and improve the Websites; analyze website trends and how the Websites are used; improve navigation of the Websites; analyze the performance of the Websites and diagnose problems; improve the products and services we offer; analyze and develop advertisements and advertising campaigns; and provide you with special offers and promotions and determine their effectiveness.
Disclosures to Third Parties
Protection of Personally Identifiable Information
TERRI YUREK INSURANCE SERVICES stores information using industry standard, reasonable and technically feasible physical, technical and administrative safeguards against foreseeable risks, such as unauthorized access. Please be aware that the Websites and data storage are run on software, hardware and networks, any component of which may, from time to time, require maintenance or experience problems or breaches of security beyond TERRI YUREK INSURANCE SERVICES’s control. TERRI YUREK INSURANCE SERVICES is not responsible for the acts and omissions of any third parties.
TERRI YUREK INSURANCE SERVICES cannot guarantee the security of the information on and sent from the Websites. No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of TERRI YUREK INSURANCE SERVICES to intercept or access transmissions or private communications unlawfully. While we strive to protect your personally identifiable information, neither TERRI YUREK INSURANCE SERVICES nor any of our Service Providers can ensure or warrant the security of any information you transmit to us over the Internet. Any such transmission is done at your own risk.
Correcting or Removing Your Personally Identifiable Information
To review your personally identifiable information collected by TERRI YUREK INSURANCE SERVICES, please send your request, to email@example.com.
If you received an email from TERRI YUREK INSURANCE SERVICES and want to unsubscribe, please let us know by following the applicable instructions that are included in the email you received. Please note that such requests may take up to ten (10) days to become effective. You may not decline to receive or unsubscribe from communications regarding your transactions, dealings with TERRI YUREK INSURANCE SERVICES or the Websites, or technical information about the Websites.
The Websites are directed to persons 18 years of age or older, and is not directed to persons under 18 years old. The Websites and TERRI YUREK INSURANCE SERVICES do not knowingly collect information from persons under age 18.
Personally identifiable information collected through the Websites and other aspects of TERRI YUREK INSURANCE SERVICES’s business may be stored and processed in the United States.
Effective Date: 06/19/2017
Some areas of the Websites, such as specific sections offering features and functionality for caregivers, providers, agents or brokers, may be subject to additional terms and conditions that will be specified in those sections.
The information contained in the Websites are not meant to replace the advice of or treatment by health care professionals. Always contact a qualified health care professional for any medical symptoms or medical conditions. Never disregard professional health care advice or delay in seeking it because of something you have read on the Websites.
If this is an emergency, call 911 or go to the nearest hospital.
Updates and Changes
The Websites are directed to persons 18 years of age or older, and are not directed to persons under 18 years old. The Websites and TERRI YUREK INSURANCE SERVICES do not knowingly collect information from persons under age 18.
Use of Website
You are authorized to view, print, and download Material solely for your personal, noncommercial use and solely for its intended purposes. You agree not to create derivative works of any Materials, and not to sell, lease, license, repurpose, modify, display, perform or otherwise use, including, without limitation, reproduce, duplicate, distribute, transmit, republish, copy, or exploit, the Material or derivative works thereof for any public or commercial purpose, unless specifically authorized in writing by TERRI YUREK INSURANCE SERVICES.
You must keep all copyright and other intellectual property or proprietary notices, acknowledgements, credits, marks or logos contained on any Material printed or downloaded, and may not remove, obscure or modify same.
You will not use the Websites in violation of any laws including, without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. You agree not to access the Websites by any means other than through a standard web browser.
Links and Linkage Policy
Products and Services Offerings
The product and/or services descriptions provided on the Websites are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable regulations and in many instances may be offered only through employers or other plan sponsors. Specific products may not be available in both self-funded and insured forms.
Covered services and preferred benefits are provided under the terms of the applicable plan contract, including any limitations and exclusions.
Anyone interested in a particular product should contact their TERRI YUREK INSURANCE SERVICES representative to determine whether the product and/or service is available in their area, and to request a copy of the applicable policy for a complete description of the product and/or service in question.
TERRI YUREK INSURANCE SERVICES may, at its sole discretion, immediately and without notice, suspend or terminate your use or any user's use of the Websites or any portion thereof, including, without limitation, your online account, or block your or any user's access to information available via the Websites, at any time for any reason. You agree that TERRI YUREK INSURANCE SERVICES shall not be liable to you or any third party for any such suspension or termination.
Accuracy of Information
Although we regularly validate and maintain the Websites, we can make no guarantees as to their correctness, completeness, or accuracy. The Websites may contain typographical errors, inaccuracies, or other errors or omissions. Unauthorized additions, deletions, or alterations could be made to the Websites by third parties without our knowledge. If you believe that information found on the Websites is inaccurate or unauthorized, please inform us by contacting firstname.lastname@example.org
Privacy and Security
The privacy and security of your protected health information is very important to us. For more information, please review our HIPAA Notice of Privacy Practices to understand our practices regarding the privacy and security of your protected health information.
THE WEBSITES (INCLUDING, WITHOUT LIMITATION, ANY MATERIAL, ITS CONTENT AND INFORMATION, AND ALL WEBSITES RELATED SERVICES) IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERRI YUREK INSURANCE SERVICES AND ITS LICENSORS, SUPPLIERS AND RELATED PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, FREEDOM FROM COMPUTER VIRUS, UNINTERRUPTED AVAILABILITY, NON-INFRINGEMENT, OR IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. Without limiting the foregoing you are responsible for taking all necessary precautions to insure that any Material or access to the Websites is free of viruses or other harmful code. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave the Websites, either by using a link we may have provided for your convenience or by specifying your own destination, TERRI YUREK INSURANCE SERVICES accepts no responsibility for the content, products and/or services provided at any third-party locations or websites. TERRI YUREK INSURANCE SERVICES does not control, endorse, promote or have any affiliation with any other website unless expressly stated on the Websites. You acknowledge and agree that TERRI YUREK INSURANCE SERVICES shall not be responsible or liable, directly or indirectly, for any damage, loss or other claim caused or alleged to be caused by or in connection with access to, use of or reliance on any content, material or information available on or through any other website or resource.
Limitation of Liability
Exclusions and Limitations: Because some jurisdictions do not allow limitations on how long an implied warranty lasts, or the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to you. This Limitation of Liability shall be to the maximum extent permitted by applicable law.
Copyright Infringement Claims
TERRI YUREK INSURANCE SERVICES respects the intellectual property of others. If you believe that your work has been copied on any of the Websites in a way that constitutes copyright infringement or your intellectual property rights have otherwise been violated, please provide the following information:
an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
a description of the copyrighted work or other intellectual property that you claim has been infringed;
a description of where the material that you claim is infringing is located on the Websites (providing URL(s) in the body of an email is the best way to help TERRI YUREK INSURANCE SERVICES locate content quickly);
your name, address, telephone number, and email address;
a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or other intellectual property owner or authorized to act on the copyright owner's behalf.
Such information should be sent to the following email address: email@example.com
Modifications to this Website
TERRI YUREK INSURANCE SERVICES reserves the right at any time and from time to time to modify, suspend, or discontinue, temporarily or permanently, the Websites, or any portion thereof, with or without notice. You agree that TERRI YUREK INSURANCE SERVICES will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Websites.
Notice Required by California Law
Pursuant to California Civil Code Section 1789.3, users are entitled to the following specific consumer rights notice:
The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.
Governing Law and Disputes
The Websites are controlled within the United States of America and directed to individuals residing in the United States. Those who choose to access the Websites from locations outside of the United States do so on their own initiative, and are responsible for compliance with local laws if and to the extent local laws are applicable. TERRI YUREK INSURANCE SERVICES does not represent that the Websites or any Material are appropriate outside the United States of America. TERRI YUREK INSURANCE SERVICES reserves the right to limit the availability of the Websites to any person, geographic area or jurisdiction at any time in its sole discretion.
TERRI YUREK INSURANCE SERVICES shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control or unforeseen circumstances such as acts of nature or God, fire, flood, earthquake, accidents, strikes, war, terrorism, governmental act, failure of or interruption in common carriers (including, without limitation, Internet service providers and web hosting providers) or utilities, or shortages of transportation facilities, fuel, energy, labor or materials.