Terms of Service

Because we value your relationship with us, we have detailed below our privacy objectives for our Web site:

We will accept and store any information you enter on the Web site or provide to us in any other way that personally identifies you to enhance your experience on the Web site. Typically, the information you voluntarily provide on the Web site is for the purpose of purchasing health insurance coverage or enrolling for services. The information you provide may include your personally identifiable information, such as your name and e-mail address. You can choose not to provide information (however, this may prevent or delay a response to your request or inquiry). See the Contact Us page for other methods of communicating this information to us.

Indemnification

You agree to indemnify, defend and hold harmless Claims Administrator, its officers, directors, employees, licensors, suppliers and any third-party contractors for this Service, from and against all losses, expenses, damages and costs, including reasonable attorney's fees and expenses, resulting from any violation of the Terms or any activity related to your contract or account (including negligent or wrongful conduct) by you or any other person accessing your contract or account using the Service.

Exclusion of Warranties; Limitation of Liability

WE MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, TO YOU REGARDING THE SERVICE, CLAIMS ADMINISTRATOR INFORMATION, MATERIALS AND RELATED DOCUMENTATION, YOUR PERSONAL COMPUTER (PC) OR RELATED EQUIPMENT, OR ANY SOFTWARE YOU ELECT TO USE IN CONNECTION WITH THE SERVICE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CLAIMS ADMINISTRATOR INFORMATION, MATERIALS AND SERVICE ARE PROVIDED "AS IS," AND WE SHALL NOT BE LIABLE FOR ANY SPECIAL INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, LOST BENEFITS OR REVENUES FROM THE USE OF CLAIMS ADMINISTRATOR INFORMATION, SERVICE, MATERIALS OR OTHER RELATED DOCUMENTATION.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions, except as pre-empted or superseded by federal law, which the parties agree governs the requirement to arbitrate all disputes and claims. By using the Service you agree to subject yourself to the jurisdiction of the state and federal courts of the State of Alabama.

Uses and Disclosures with Your Permission

We will not use or disclose your medical information for any other purposes unless you give us your written authorization to do so. For example, in general and subject to specific conditions, we will not use or disclose your psychotherapy notes, will not use or disclose your protected health information for marketing, or fundraising, and will not sell your protected health information, unless you give us a written authorization. If you give us written authorization to use or disclose your medical information for a purpose that is not described in this notice, in most cases, you may revoke it in writing at any time. Your revocation will be effective for all your medical information we maintain, except where we have already taken action in reliance on your prior authorization.

Your Rights

You may make a written request to us to do one or more of the following concerning your medical information that we maintain:

• To place additional restrictions on our use and disclosure of your medical information. We do not have to agree to your request except in case of a disclosure restricted under 45 C.F.R. Section 164.522(a)(1)(vi).
• To communicate with you in confidence about your medical information by a different means or at a different location than we are currently doing. We do not have to agree to your request unless such confidential communications are necessary to avoid endangering you, and your request continues to allow us to collect premiums and pay claims. Your request must specify the alternative means or location.
• Even though you requested that we communicate with you in confidence, we may give subscribers cost information. To see and get copies of your medical information. In limited cases, we do not have to agree to your request.
• To correct your medical information. In some cases, we do not have to agree to your request.
• To receive a list of disclosures of your medical information that we and our business associates made for certain purposes for the last six years (but not for disclosures before April 14, 2003).
• To send you a paper copy of this notice upon request, even if you received this notice by e-mail or on the Internet.

If you want to exercise any of these rights described in this notice, please contact our Privacy Office (below). We will give you the necessary information and forms for you to complete and return to our Privacy Office. In some cases, we may charge you a nominal, cost-based fee to carry out your request. In addition, we are required by law to maintain the privacy of your verbal, electronic, or written protected health information, and to notify affected individuals following a breach of unsecured protected health information.

Links to and from third party sites; framing

This Site may provide links or references to other sites. Neither Blue Cross and Blue Shield of Alabama nor any of its agents has any responsibility for the content of these other sites, makes any representations or gives any warranties with respect to any information contained in or at these other sites, or shall be liable for any damages or injury arising from the content of these other sites. Neither Blue Cross and Blue Shield of Alabama nor any of its agents endorses companies or products to which it has provided links. Any links to other sites are provided merely as a convenience to the users of this Site and, if you decide to access any of the third party sites linked to this Site, you do so entirely at your own risk. Blue Cross and Blue Shield of Alabama reserves the right to terminate any link or linking program at any time.

There may be circumstances where access to this Site is provided by a link located at another website. Neither Blue Cross and Blue Shield of Alabama nor any of its agents makes any representations or gives any warranties with respect to any information contained in or at these other sites, and neither Blue Cross and Blue Shield of Alabama nor any of its agents shall be liable for any damages or injury arising from the content of these other sites. Neither Blue Cross and Blue Shield of Alabama nor any of its agents endorses the individuals, companies or other similar entities, or any products, services or materials associated with such individuals, companies, or other similar entities, that provide a link to this Site.