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All Savers® Health Plans and Services
For the health of your business
Terms of Use
IMPORTANT NOTE REGARDING WEBSITE CONTENT
The information and content (collectively, "Content") on this website is for your
general educational information only. The Content cannot, and is not intended to,
replace the relationship that you have with your health care professionals. The
Content on this website should not be considered medical advice and is not intended
as medical advice.
If you are experiencing a medical emergency, you should
not rely on any information on this website and should seek appropriate emergency
medical assistance, such as calling "911."
You should always talk
to your health care professionals for diagnosis and treatment, including information
regarding which drugs or treatment may be appropriate for you. None of the Content
on this website represents or warrants that any particular drug or treatment is
safe, appropriate or effective for you. Health information changes quickly. Therefore,
you should always confirm information with your health care professionals.
This website is intended for a United States audience. If you live outside the U.S.,
you may see information on this website about products or therapies that are not
available or authorized in your country. All Savers Insurance Company ("All
Savers") is not licensed to do business in the state of New York. Information on
this website does not, and is not intended to, constitute an advertisement, solicitation,
or offer for sale of any insurance product to residents of the state of New York,
or any state where the product is not available at any given time.
The Content may include information regarding therapeutic and generic alternatives
for certain prescription drugs, and may describe uses for products or therapies
that have not been approved by the Food and Drug Administration. This Content is
for informational, cost-comparison purposes only. It is not medical advice and does
not replace consultation with a doctor, pharmacist or other health care professional.
Talk to your health care provider to determine if an alternative prescription drug
is right for you.
Required disclosures
Click here to read required disclosures and information relating to your use of this website.
Agreement and Terms
These website Terms of Use ("Terms") describe the rules for using this website.
These Terms constitute a legally binding agreement between you, the person using
this website, and All Savers. If you are helping another person use this website,
these Terms constitute a legally binding agreement between both the helper and the
person being helped and All Savers. Terms such as "we," "us," "our," and "Company" refer
to All Savers and its affiliate entities.
By using this website, you agree to the most-recent Terms as well as the most-recent
version of our Privacy Policies. We may change these
Terms at any time, and such changes will be posted on this or a similar page of
this website. It is your responsibility to review these Terms each time you use
this website. By continuing to use this website, you consent to any changes to our
Terms.
By using this website, you acknowledge and agree that any activity on this website
is subject to monitoring by the Company at any time, and that the Company may use
the results of such monitoring without limitation, subject to applicable law.
If you enter into any other agreement with the Company, for example regarding health
plan coverage, then these Terms are in addition to the terms of such other agreement.
Neither entering into this agreement, nor visiting this website, nor any of these
Terms, guarantees that you are eligible to receive coverage under any plan offered
through this website or otherwise.
License to use this website and content ownership
Subject to these Terms, the Company grants you a personal, nontransferable, nonexclusive,
revocable, limited license to view the Content on the website for the sole purpose
of collecting information regarding our plan and related activities such as, if
permitted on this website, applying for a plan. You may also print a reasonable
number of copies of the Content for your personal use, but in such case you must
reproduce all proprietary copyright and trademark notices. All rights, title and
interest in and to the website, including the Content, and all intellectual property
rights, including all copyright, trademark, patent and trade secret rights therein
shall remain with the Company and our licensors and vendors, and no ownership interest
is transferred to you or any other entity by virtue of making the Content available
on the website, granting the foregoing licenses or entering into this Agreement.
In the event you choose to provide us with any feedback, suggestions, or similar
communications, all such messages (collectively, "Feedback Messages") will be considered
non-personal, non-confidential (except for personal information as described in
our Privacy Policies) and nonproprietary. You hereby grant the Company a perpetual,
sublicensable, assignable, unrestricted, worldwide, royalty-free, irrevocable license
to use, reproduce, display, perform, practice, modify, create derivative or collective
works, transmit and distribute your Feedback Messages, in whole or in part, and
including all intellectual property rights therein.
Some websites operated by the Company include trademarks or logos belonging to other
third-party licensors and are used pursuant to an agreement with such third parties.
We may terminate this license at any time for any reason. If you breach any of these
Terms, your license to the Content terminates immediately. Upon the termination
of this license you must stop using this website, including all Content, and return
or destroy all copies, including electronic copies, of the Content in your possession
or control.
Restrictions on use of this website
You agree:
- not to use this website or Content in any way not explicitly permitted by these Terms or the text of the website itself;
- not to copy, modify or create derivative works involving the Content, except you may print a reasonable number of copies for your personal use, provided that you reproduce all proprietary copyright and trademark notices;
- not to misrepresent your identity or provide us with any false information in any information-collection portion of this website, such as a registration or application page;
- not to take any action intended to interfere with the operation of this website;
- not to access or attempt to access any portion of this website to which you have not been explicitly granted access;
- not to share any password assigned to or created by you with any third parties or use any password granted to or created by a third party;
- not to directly or indirectly authorize anyone else to take actions prohibited in this section;
- to comply with all applicable laws and regulations while using this website or the Content. You represent and warrant that you are at least 13 years of age, and that if you are between 13 and 18 years of age a parent and/or guardian agrees to these Terms of Use on your behalf.
Posting messages, comments or content
Certain portions of this website may be configured to permit users to post messages,
comments, or other content. Any such content is only the opinion of the poster,
is no substitute for your own research, and should not be relied upon for any purpose.
You agree not to post any content:
- which is profane, libelous, defamatory, obscene, pornographic, indecent, lewd, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory, or otherwise objectionable; or
- the transmission of which could violate, or facilitate the violation of, any applicable law, regulation, or intellectual property rights.
You are solely responsible for the content of any postings you submit and the Company
assumes no responsibility or liability for any content submitted by you or any other
website visitor. We may, but are not obligated to, restrict or remove any and all
content from a message that we determine in our sole discretion violates these Terms
or is otherwise harmful to us, our customers, or any third party. We reserve the
right to remove the content you provide at any time, but you understand that we
may preserve and access a backup-copy, and we may disclose the content if required
to do so by law or in a good faith belief that such access, preservation, or disclosure
is required by law or in the best interests of the Company.
Any content you submit is for non-commercial use only. Any content you submit will
be routed through the Internet and you understand and acknowledge that you have
no expectation of privacy with regard to any content you submit. Never assume that
you are anonymous and cannot be identified by your posts.
If you do post content or submit material, and unless we indicate otherwise, you
grant the Company a nonexclusive, royalty-free, perpetual, irrevocable, and fully
sublicensable right to use, reproduce, modify, adapt, publish, translate, create
derivative works from, distribute, and display such content throughout the world
in any media. You grant the Company and any of its sublicensees the right to use
the name that you submit in connection with such content, if they choose. You represent
and warrant that you own or otherwise control all of the rights to the content that
you post; that the content is accurate; that use of the content you supply does
not violate these Terms and Conditions and will not cause injury to any person or
entity; and that you will indemnify the Company or its affiliates for all claims
resulting from content you supply.
Copyright Infringement – DMCA Notice
The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for
copyright owners who believe that material appearing on the Internet infringes their
rights under U.S. copyright law. If you believe in good faith that content or material
on this website infringes a copyright owned by you, you (or your agent) may send
the Company a notice requesting that the material be removed, or access to it blocked.
This request should be sent to: DMCARegisteredAgent@uhc.com;
or, alternatively to: UnitedHealth Group, Attn: DMCA Registered Agent, 9900 Bren
Road East, Minnetonka, MN 55343.
The notice must include the following information: (a) a physical or electronic
signature of a person authorized to act on behalf of the owner of an exclusive right
that is allegedly infringed; (b) identification of the copyrighted work claimed
to have been infringed; (c) identification of the material that is claimed to be
infringing or the subject of infringing activity; (d) the name, address, telephone
number, and email address of the complaining party; (e) a statement that the complaining
party has a good faith belief that use of the material in the manner complained
of is not authorized by the copyright owner, its agent or the law; and (f) a statement
that the information in the notification is accurate and, under penalty of perjury,
that the complaining party is authorized to act on behalf of the owner of an exclusive
right that is allegedly infringed. If you believe in good faith that a notice
of copyright infringement has been wrongly filed against you, the DMCA permits you
to send us a counter-notice. Notices and counter-notices must meet the then-current
statutory requirements imposed by the DMCA. Notices and counter-notices with
respect to the website should be sent to the address above.
Changes to website content
We may change, add or remove some or all of the Content on this website at any time.
In addition, please note that although our goal is to provide accurate information,
certain features that may be offered through this website, such as participating
health care providers, pricing information or other Content, may not be accurate
or up to date. In addition, please note that features of any plan or plans described
in this website may change over time as permitted by law, including benefit levels,
items included in any formulary, pricing or lists of participating providers or
other associated vendors.
Links
While visiting this website you may click on a link to other websites and leave
this website. We provide links to other websites that may contain information that
may be useful or interesting to you. We do not endorse, and are not responsible
for, the content and accuracy of linked websites operated by third parties or for
any of your dealings with such third parties. You are solely responsible for your
dealings with such third parties and we encourage you to read the terms of use and
privacy policies on such third-party websites.
NO WARRANTIES
ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS", "AS AVAILABLE" BASIS.
THE COMPANY, ALL THIRD PARTIES, IF ANY, PROVIDING CONTENT FOR THIS WEBSITE, AND
ALL THIRD PARTIES PROVIDING SUPPORT OR INFORMATION FOR THIS WEBSITE (COLLECTIVELY,
"WEBSITE-RELATED-PARTIES") HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS
OR IMPLIED, STATUTORY OR OTHERWISE INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
THE WEBSITE-RELATED-PARTIES MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, TIMELINESS,
CORRECTNESS, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. WITHOUT
LIMITING THE FOREGOING, THE WEBSITE-RELATED-PARTIES SPECIFICALLY DO NOT REPRESENT
OR WARRANT THAT ANY INFORMATION REGARDING PARTICULAR PLAN BENEFITS OR SCOPE OF COVERAGE
IS ACCURATE OR COMPLETE. THE WEBSITE-RELATED-PARTIES MAKE NO REPRESENTATIONS OR
WARRANTIES THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS
WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE TECHNOLOGY THAT MAKES IT AVAILABLE
ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ARE RESPONSIBLE FOR TAKING
ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE
IS FREE OF VIRUSES AND ANY OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE.
Some states do not allow limitations on implied warranties, so one or more of the
above limitations may not apply to you. Check your local laws for any
restrictions or limitations regarding the exclusion of implied warranties.
LIMITATION OF LIABILITY
YOU AGREE THAT NONE OF THE WEBSITE-RELATED-PARTIES SHALL BE LIABLE FOR ANY DAMAGE
RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT. THIS PROTECTION
COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER
LEGAL THEORY. THIS PROTECTION COVERS THE WEBSITE-RELATED-PARTIES, INCLUDING ALL
AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS. THIS PROTECTION
COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL,
CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH,
LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION. THE
TOTAL, CUMULATIVE, LIABILITY OF THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES
AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES
SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $100.00.
THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE
WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS,
EMPLOYEES, AND AGENTS, BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE
AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL,
CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEBSITE OR
CONTENT ARE EXCLUDED EVEN IF THE WEBSITE-RELATED-PARTIES HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT YOU USE THIS WEBSITE AT YOUR OWN RISK.
IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE
REMEDY IS TO DISCONTINUE USING THE WEBSITE.
The foregoing limitation of liability is not applicable to residents of New Jersey. With respect to residents of New Jersey, the Released Parties are not liable for any damages unless such damages are the result of our negligent or reckless acts or omissions; and the Released Parties are not, in any case, liable for indirect, incidental, special, consequential or punitive damages.
You acknowledge and agree that Company’s suppliers are third-party beneficiaries of these Terms, with the right to enforce the limitations of warranty and liability set forth herein with respect to the respective technology of such suppliers and Company.
Governing law and statute of limitations
The laws of the State of Indiana govern these Terms and any cause of action arising
under or relating to your use of the website, without reference to its choice-of-law
principles. You agree that the only proper jurisdiction and venue for any dispute
with the Company, or in any way relating to your use of this website, is in the
state and federal courts in the State of Indiana, U.S.A. You further agree and consent
to the exercise of personal jurisdiction in these courts in connection with any
dispute involving the Company or its employees, officers, directors, agents and
providers. If any provision of these Terms is determined to be invalid under any
applicable statute or rule of law, such provision is to that extent to be deemed
omitted, and the balance of the Agreement shall remain enforceable.
Before seeking legal recourse for any harm you believe you have suffered arising
from or related to your use of this website, you agree to inform us in writing and
to give us 30 days to cure the harm before initiating any action. You must initiate
any cause of action within one year after the claim has arisen, or you will be barred
from pursuing any cause of action.
Unless you are a resident of New Jersey, you must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.
Contact Us
To contact us regarding these Terms or the operation of the website itself, contact
us at:
Privacy Office
7440 Woodland Drive
Indianapolis, IN 46278-1719
Effective date
The Effective Date of these Terms is June 8, 2020.
Additional terms
Your obligations under the following sections survive termination of this Agreement:
Important Note Regarding Website Content; Agreement and Terms; portions of License
to use this website and content ownership; Restrictions on use of this website;
Posting messages, comments or content; Copyright Infringement – DMCA Notice; Changes
to website content; Links; NO WARRANTIES; LIMITATION OF LIABILITY; Governing law
and statute of limitations; Additional terms. If any provision of these Terms is
found to be invalid by any court having competent jurisdiction, the invalidity of
such provision shall not affect the validity of the remaining provisions of these
Terms, which shall remain in full force and effect. No waiver of any of these Terms
shall be deemed a further or continuing waiver of such term or condition or any
other term or condition. You agree to defend and indemnify, Website-Related-Parties
and their subsidiaries, affiliates, officers, directors, employees, and agents,
harmless from any claim, demand, or damage, including reasonable attorneys' fees,
arising out of or related to your breach of this Agreement or your use or misuse
of the Content or website. You may not transfer or assign any rights or obligations
under this Agreement. The Company may transfer or assign its rights and obligations
under this Agreement.