TERMS OF USE
PRIVACY POLICY
REFUND POLICY
IMPORTANT! THESE TERMS OF USE GOVERN YOUR USE OF THIS SITE. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY "CHANGE") BY Access Health Partners AT ANY TIME, IN ITS SOLE DISCRETION. YOUR USE OF THIS SITE AFTER ANY SUCH CHANGE IS IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGE. PLEASE CONSULT THESE TERMS OF USE REGULARLY.
AccessHealthPartners.com is subject to the Terms of Use of Access Health Partners , LLC. For purpose of these Terms of Use, the term "Access Health Partners" includes Access Health Partners , LLC and all of its affiliated and subsidiary companies. Access Health Partners may at any time revise these Terms of Use by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the most current Terms of Use.
Access to This Site
To access this Site or some of the
resources it has to offer, you may
be asked to provide certain
registration 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 Access Health Partners believes the
information you provide is not
correct, current, or complete,
Access Health Partners
has the right to refuse you access
to this Site or any of its
resources, and to terminate or
suspend your access at any time.
Restrictions on Use
You may use this Site for purposes
expressly permitted by this Site.
You may not use this Site for any
other purpose, including any
commercial purpose, without Access
Health Partners'
express prior written consent. For
example, you may not (and may not
authorize any other party to) (i) co
brand this Site, or (ii) frame this
Site, or (iii) hyper-link to this
Site, without the express prior
written permission of an authorized
representative of Access Health
Partners. For purposes
of these Terms of Use, "co branding"
means to display a name, logo,
trademark, or other means of
attribution or identification of any
party in such a manner as 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
accessible within this Site. You
agree to cooperate with Access
Health Partners in
causing any unauthorized
co-branding, framing or
hyper-linking immediately to cease.
Proprietary Information
The material and content accessible
from this Site, and any other World
Wide Web Site owned, operated,
licensed, or controlled by Access
Health Partners (the
"Content") is the proprietary
information of Access Health
Partners or the party that
provided the Content to Access
Health Partners, and Access Health
Partners
or the party that provided the
Content to Access Health Partners retains all right,
title, and interest in the Content.
Accordingly, the Content may not be
copied, reproduced, distributed,
republished, uploaded, posted, or
transmitted in any way without the
prior written consent of Access
Health Partners, which
may be withheld in its sole
discretion, except that you may
print out a copy of the Content
solely for your personal use. In
doing so, you may not remove or
alter, or cause to be removed or
altered, any copyright, trademark,
trade name, service mark, or any
other proprietary notice or legend
appearing on any of the Content.
Modification or use of the Content
except as expressly provided in
these Terms of Use violates Access
Health Partners'
intellectual property rights.
Neither title nor intellectual
property rights are transferred to
you by access to this Site.
Hyper-Links
This Site may be hyper-linked to
other sites which are not maintained
by, or related to, Access Health
Partners. Hyper-links
to such sites are provided as a
service to users and are not
sponsored by or affiliated with this
Site or Access Health Partners.
Access Health Partners has not reviewed any
or all of such sites and is not
responsible for the content of those
sites. Hyper-links are to be
accessed at the user's own risk, and
Access Health Partners makes no representations or
warranties about the content,
completeness or accuracy of these
hyper-links or the sites
hyper-linked to this Site. Access
Health Partners is not
responsible for any hyper-linked
site's privacy policies or terms of
use, and Access Health Partners takes no responsibility
for such sites. A hyper-link to a
service or site is not an
endorsement of the service of the
site, its content, or its sponsoring
organization. Furthermore, Access
Health Partners shall
not be liable for any direct or
indirect system damage or other
problems you may incur as a result
of linking to a Web site, including
consequences arising from your
accessing third-party technologies,
sites information and/or programs.
What Information is Collected by the
Site
In general, you can visit the Site
while remaining anonymous by not
providing any personal Information.
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 Web site from
which you linked to our Site.
Personal Information about you
(e.g., your name, address, telephone
number, Social Security number,
and/or e-mail address) will not be
collected unless you provide it to
us voluntarily. For example, Access
Health Partners
retains e-mail addresses of visitors
who respond to the Site's e-mail
forms, online forms, registration
forms, and surveys and contest
entries. Access Health Partners also retains information
about the frequency of Site visits,
length of time of each visit, and
aggregate information on which Site
page visitor's access.
If you choose not to provide personally identifiable information, we may not be able to respond to a request, or, an error message may be displayed on your browser.
For more information, view Access Health Partners' Privacy Policy.
Cookies
Access Health Partners sends all of its Site visitors
"cookies," a small data file sent by
the Site to your browser, which may
then be stored on your hard drive.
Access Health Partners' cookie enables the Site to
recognize you if you have a Access
Health Partners
policy or contract, or have 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 available, you may
program your browser software to
notify you of attempts to send
cookies and/or you may decline to
accept or delete them.
Submissions
You hereby grant to Access Health Partners the
royalty-free, perpetual,
irrevocable, worldwide, non
exclusive right and license to use,
reproduce, modify, adapt, publish,
translate, create derivative works
from, distribute, perform, and
display all content, remarks,
suggestions, ideas, graphics, or
other information communicated to
Access Health Partners
through this Site (together, the
"Submission"), and to incorporate
any Submission in other works in any
form, media, or technology now known
or later developed. Access Health
Partners will not be
required to treat any Submission as
confidential, and may use any
Submission in its business
(including without limitation, for
products or advertising) without
incurring any liability for
royalties or any other consideration
of any kind, and will not incur any
liability as a result of any
similarities that may appear in
future Access Health Partners operations.
Access Health Partners will treat
any personal information that you
submit through this Site in
accordance with its Privacy Policy.
Disclaimer
You understand that Access Health Partners cannot and
does not guarantee or warrant that
files available for downloading from
the Internet will be free of
viruses, worms, Trojan horses or
other 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. Access Health Partners does not assume any
responsibility or risk for your use
of the Internet, nor does Access
Health Partners 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 the
Site or any hyper-linked sites.
The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Access Health Partners. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals. Account information available on this Site is not the official record of your account. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice. All of the information in this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and Access Health Partners does not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. Access Health Partners DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. Access Health Partners DOES 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. Access Health Partners DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING 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 Access Health Partners MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT Access Health Partners, 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. Access Health Partners MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
Limitation on Liability
Access Health Partners, ITS SUBSIDIARIES, AFFILIATES,
LICENSORS, SERVICE PROVIDERS,
CONTENT PROVIDERS, EMPLOYEES,
AGENTS, OFFICERS, AND DIRECTORS WILL
NOT BE LIABLE FOR ANY INCIDENTAL,
DIRECT, INDIRECT, PUNITIVE, ACTUAL,
CONSEQUENTIAL, SPECIAL, EXEMPLARY,
OR OTHER DAMAGES, INCLUDING LOSS OF
REVENUE OR INCOME, PAIN AND
SUFFERING, EMOTIONAL DISTRESS, OR
SIMILAR DAMAGES THAT RESULT FROM THE
USE OF, OR THE INABILITY TO USE, THE
CONTENT ON THE SITE, EVEN IF Access
Health Partners OR A
REPRESENTATIVE AUTHORIZED BY Access
Health Partners HAS
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 Access
Health Partners 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 GREATER OF
$100 OR THE AMOUNT YOU HAVE PAID TO
Access Health Partners FOR THE APPLICABLE CONTENT OR
SERVICE OUT OF WHICH LIABILITY
AROSE.
Indemnity
You will indemnify and hold Access Health Partners, its
subsidiaries, affiliates, licensors,
content providers, service
providers, employees, agents,
officers, directors, and contractors
(the "Indemnified Parties") harmless
from any breach of these Terms of
Use by you, including any use of
Content other than as expressly
authorized in these Terms of Use.
You agree that the Indemnified
Parties will have no liability in
connection with any such breach or
unauthorized use, and you agree to
indemnify any and all resulting
loss, damages, judgments, awards,
costs, expenses, and attorneys' fees
of the Indemnified Parties 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 your use of the
information accessed from this Site.
Trademarks, Service Marks, and
Copyrights
"Access Health Partners," and Access Health Partners logo are federally
registered trademarks of Access
Health Partners. Unless
otherwise specifically noted,
images, trademarks, service marks,
logos, and icons displayed on the
Site are the property of Access
Health Partners or the
party that provided the trademarks,
service marks and logos to Access
Health Partners, and
may not be used without Access
Health Partners's prior
written consent. Access Health
Partners and any party
that provided trademarks, service
marks, and logos to Access Health
Partners retain all
rights with respect to any of their
respective trademarks, service
marks, and logos appearing in this
Site. Any unauthorized use of the
images may violate copyright laws,
trademark laws, privacy and
publicity laws, and communications
regulations and statutes.
Information You Provide
You may not post, send, submit,
publish, or transmit in connection
with this Site any material that:
Access Health Partners reserves the right to monitor use of this Site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Access Health Partners nor any third party that provides Content to Access Health Partners will assume or have any liability for any action or inaction by Access Health Partners or such third party with respect to any submission.
No Representation as to Suitability.
Access Health Partners makes no representation as to the
financial or other suitability of
any product described on this Site
for any user. In order to evaluate
whether a particular product is
suitable for your needs, you should
contact a competent advisor.
Violations of Rules and Regulations
Access Health Partners reserves the right to seek any
remedy available at law or in equity
for any violation of these Terms of
Use, including the right to block
access from a particular Internet
address to this Site.
Security
Passwords used for this Site (if
any) are for individual use only.
You will be responsible for the
security of your password. Access
Health Partners will
be entitled to monitor your password
and, at its discretion, require you
to change it. If you use a password
that Access Health Partners considers insecure,
Access Health Partners will
be entitled to require the password
to be changed and/or terminate your
account.
You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Access Health Partners reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Access Health Partners reserves the right to investigate suspected violations of these Terms of Use.
You agree that Access Health Partners shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold Access Health Partners harmless against any liability, losses, damages or costs and expenses (including attorneys' fees) arising out of, or resulting from, such access and related use of this Site. Access Health Partners reserves the right to block access to this Site for any reason. You also agree to immediately notify Access Health Partners if you:
Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, e-mail 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 Access Health Partners.
For your protection, Access Health Partners may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures in place to protect the loss, misuse and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, 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. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.
Access Health Partners reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Access Health Partners to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS Access Health Partners FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY Access Health Partners DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER Access Health PartnersOR LAW ENFORCEMENT AUTHORITIES.
E-Mail
Certain portions of this Site may
offer you the ability to e-mail a
message to Access Health Partners. E-mail functionality,
if any, is provided to you to
facilitate communications between
you and Access Health Partners. You agree, however, that
you will not use e-mail to request,
authorize or effect the purchase or
sale of any securities or other
product or service, to change your
address or other account
information, to change your User
Codes, to transmit personal credit
information (including credit card
numbers), to send fund transfer
instructions, or for any other
financial transactions that require
formal authorization in accordance
with applicable law or Access Health
Partners policies
and procedures. Any such requests,
orders, or instructions that you
send to Access Health Partners by e-mail will not be
accepted or processed by Access
Health Partners. Access Health
Partners
shall have no liability for any loss
or damage that arises from
unaccepted e-mail requests, orders
or instructions. Moreover, Access
Health Partners shall
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 e-mail. For information
regarding Access Health Partners's use of your e-mail
address, please review our Internet
Privacy Policy.
Children
This Site does not intend to market
any Access Health Partners products or services to
children. Access Health Partners does not knowingly
gather or solicit data from children
through this Site for marketing
purposes.
Recommended Browser
For optimal performance, please use
either at least Firefox 2.0 or Internet
Explorer 7.0 when connecting to this
Site.
Miscellaneous
These Terms of Use will be governed
and interpreted pursuant to the laws
of the state of South Dakota, United
States of America, notwithstanding
any principles of conflicts of law.
You specifically consent to personal
jurisdiction in Iowa in connection
with any dispute between you and
Access Health Partners
arising out of these Terms of Use or
pertaining to the subject matter
hereof. The parties to these Terms
of Use each agree that the exclusive
venue for any dispute between the
parties arising out of these Terms
of Use or pertaining to the subject
matter of these Terms of Use will be
in the state and federal courts in
Sioux Falls, South Dakota. If any
part of these Terms of Use 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 of Use
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.
Access Health Partners
may revise these Terms of Use at any
time by updating this posting.
Information Only - No Response
Necessary
Protecting your privacy is very
important to us. We want you to
understand what information we
collect and how we use it. We
collect and use "nonpublic
personal information" in order
to provide our customers with
insurance products and services
as effectively and conveniently
as possible. We treat nonpublic
personal information in
accordance with our Privacy
Policy.
Public Data
Customer information, whether public
or private, will not be sold,
exchanged, transferred, or given to
any other company for any reason
whatsoever, without the consent of
the customer, other than for the
express purpose of delivering the
purchased product or service
requested by the customer.
Private Data
For your safety and protection, your
credit card information is not
stored on our servers. Our payment
gateway provider, Infusionsoft.com,
keeps this information encrypted and
secure on your behalf.
What Information We Collect and
From Whom We Collect It
“Nonpublic personal information”
is information about you that we
obtain in connection with
providing an insurance product
or service. Such information
includes for example, social
security numbers, dates of
birth, income, insurance
premiums, health history and
other information related to
payment such as bank account
numbers. We may collect
nonpublic personal information
about you from the following
sources:
What Information We Disclose
and To Whom We Disclose It
We do not disclose any nonpublic
personal information about you
to either our "affiliates" or
non-affiliates without your
express consent, except as
permitted by law. We may
disclose the nonpublic personal
information we collect, as
described above, to persons or
companies that perform services
on our behalf and to other
financial institutions with
which we have joint marketing
agreements.
"Our affiliates" are companies with which we share common ownership and which offer health insurance products.
Your Right to Verify Accuracy
of Information We Collect
Keeping your information
accurate and up to date is very
important to us. You may access
and correct nonpublic personal
information about you that we
collect, except for information
relating to a claim or a
criminal or civic proceeding.
Email
The email address you provide
for order processing, may be
used to send you information and
updates pertaining to your
order, in addition to periodic
company news, updates, and/or
related product or service
information. However, you
may opt out at any time by
clicking on the link found at
the bottom of each email we send
out.
Our Security Procedures
We restrict access to your
nonpublic personal information
and only allow disclosures to
persons and companies as
permitted by law to assist in
providing products or services
to you. We maintain physical,
electronic, and procedural
safeguards to protect your
nonpublic personal information.
Should your relationship with us
end, we will maintain and only
disclose nonpublic personal
information that we have about
you in accordance with this
Privacy Policy.
By using this site and/or purchasing products and/or services from us, you agree to these terms and conditions. Please read this section carefully and understand the terms of conditions outlined herein.
ASSOCIATION MEMBERSHIPS
The “One-time Enrollment Association
fee” may be refunded as long as
cancelation occurs within 30 days of
the enrollment date.
The first months recurring billing fee may be refunded as long as cancelation occurs within 30 days of the enrollment date.
For example:
Enroll August 27, may cancel before Sept 27 without being billed
Enroll August 2, may cancel before Sept 2 without being billed
Requests for cancellation of any monthly recurring billing must be placed by phone with Customer Service: Access Health Partners at 1-800-921-4324 ext 201. If the cancellation is not made thirty days prior to the next billing cycle then the recurring billing will not be cancelled until the following month.
AHP is not responsible for the
member’s failure to correctly cancel
his/her membership and this
cancellation does not entitle the
member to any type of refund.
BANK CHECK POLICY
A twenty-five dollar ($25) fee will
be incurred if a personal check,
third party check or company check
is returned to AHP for
non-sufficient funds.
This fee along with the initial
payment for AHP materials and/or
services will be paid by the
purchaser immediately following the
notice that the funds were not
available.
FRAUDULENT CLAIMS
Fraudulent Credit Card Charges or Fraudulent Claims - All requests to negate charges are investigated by our technical department and legal department. If you make a fraudulent claim of unauthorized card usage, we will report this to the credit card services. This report may result in cancellation of your card services, put negative information on your credit report, and create possible criminal charges that may be filed against you.
CONTACTING COMPANY
Access Health Partners, LLC
2710 Rew Circle, Ste 200
Ocoee,
Florida 34761
1.800.921.4324 Ext 201
AHP reserves the right to modify
this Refund Policy at its
discretion, or against any customer
it believes is abusing this policy.
Any such revision or change will be
binding and effective immediately
after posting of the revised Refund
Policy on AHP's Web sites. You agree
to periodically review our Web
sites, including the current version
of our Refund Policy. Our refund
policy is made available on our Web
sites. It is your obligation to
review our refund policy for any
such revisions.
CHANGES IN LEGAL TERMS OF USE
These terms of use are subject to
change at any time, without notice.
All changes to these Terms of Use
are published here; for the latest
version check this page.
