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 email@example.com
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: firstname.lastname@example.org
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.