Terms Of Use

These Terms of Use ("Terms") apply to the Secure Future Coverage website and any mobile applications we operate (each an "Application") that contain a link to these Terms. By using our Applications, you agree to these Terms. Please read them carefully.

1. Use of this Application

The contents of this Application, whether our content or licensed from a third party, are protected by copyright. You may view and download material from this Application for your own personal use. You may not sell, modify, or use the material for any commercial purpose.

You will not use this Application to violate any laws, including federal Medicare and Medicaid fraud and abuse provisions. You will not, and will not permit anyone else to, modify, adapt, reverse engineer, or create derivative works of this Application. You agree not to interfere with the operation of the Application or use any automated device, such as a "robot" or "spider," to gather information from it.

2. Use of Information and Resources

This Application provides information about our products and services, health-related resources, and member access to health plan information. The information on this Application is not a substitute for professional medical advice or care from a physician. It is not intended for medical diagnosis or treatment. You should not disregard or delay seeking medical advice because of something you read on this Application. We are not responsible for information provided by third-party health information content providers or third-party sites linked to our application.

3. Privacy and Communications

Your use of this Site is also governed by our Privacy Policy. We may communicate with you via email, fax, or text, but you should be aware of the security risks involved.

• Email and Fax:

  Unencrypted email and fax communications may not be completely secure or confidential and could be accessed by others while in transit.

• Text Messaging:

  By opting in to text messaging, you are electing to receive protected health information (PHI) via text, which makes the data available to your phone carrier and others who may access your device. You understand that once texted, your information may no longer be regulated under HIPAA's Privacy Rule. Your participation is optional, and you can always receive information by phone instead.

• Voice-Enabled Devices:

  If you enable the Secure Future Coverage skill on a voice-enabled device (like an Amazon Echo or Google Home), you are authorizing us to disclose your information, including PHI, to the device manager (e.g., Amazon or Google). Once disclosed, your information will be governed by the device manager's terms and may no longer be protected under HIPAA. You can disable this feature at any time.

4. Third-Party Links

We may provide links to other websites and services not owned or controlled by us. These links are provided for your convenience, but we do not endorse these third-party sites. We cannot guarantee the accuracy of their content or be responsible for their privacy practices. You should review the privacy policies and user agreements of any third-party websites you visit.

5. Disclaimers and Limitation of Liability

The Application and its services, content, and information are provided "as is". We expressly disclaim all warranties of any kind, whether express or implied, including warranties of merchantability and fitness for a particular purpose. We do not warrant that the functions or operation of the Site will be uninterrupted or error-free.

We are not liable to you for any damages or penalties whatsoever, including incidental, indirect, or consequential damages, even if we have been advised of the possibility of such damages. Our liability is limited to the actual damages you incur. The remedies provided to you in these Terms are exclusive and limited to what is expressly stated.

6. Your Account and Access

If you are an authorized user, your username and password will allow you to access information about you and your plan. You are solely responsible for controlling your Login Information and for all activity in your account. You must notify us immediately of any unauthorized use. To protect your information, we do not allow access to the secure member portal for users with anonymous IP addresses. A blocked or anonymous IP address can be caused by your network, a personal VPN, or other reasons.

7. General Provisions

• Changes to These Terms:

  We may revise, modify, or amend these Terms at any time. Any changes will be effective immediately upon posting them to the Application. Your continued use of the Site constitutes your acceptance of these changes.

• Termination:

  We may terminate your right to use this Application at any time.

• Jurisdiction:

  These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State]. Any legal action or proceeding related to these Terms shall be brought exclusively in a court within [Insert City], [Insert State].

• International Use:

  We make no claims that the content of this Application is appropriate or may be downloaded outside of the United States. If you access this Application from outside the U.S., you do so at your own risk and are responsible for complying with the laws of your jurisdiction.

• No Endorsement:

  We do not endorse any specific provider or third party. We act solely as an intermediary between you and third-party providers and disclaim any liability for their content, products, or services.