CONDITIONS OF USE
By using this website (www.DirectMedSup.com) you agree to the following terms and conditions. Please read them carefully. We reserve the right to change these terms and conditions at any time without prior notice. You are bound to all future revisions if you use this website after the changes take effect. DirectMedSup is referred to herein as “We”.
You are referred to herein as “You” or “User”.
This website is referred to herein as “Site”.
This Site is operated and intended for use only in the United States of America. Not all of the products and/or services described on this Site are available in all areas of the United States, and You may not be eligible for them. We reserve the right to determine eligibility.
COVERAGE AVAILABILITY AND APPLICATION APPROVAL
Any insurance coverage descriptions provided on this site are general and coverage and availability may vary by state or province. All quotes generated by this Site are estimates only. All quotes generated by this site are based upon the information You provide and are not a contract, binder, or agreement to extend insurance coverage. All applications are subject to underwriting approval.
All of the information and content on this Site, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files, logos, trademarks, and service marks are protected by Federal Copyright laws. The information provided by the U.S. Government and/or the federal Medicare program is used by permission.
All rights in the pages, Site content, trademarks, and service marks on this Site are protected by applicable intellectual property laws. You are prohibited from using any of the trademarks, logos, service marks or images without prior written consent. Images displayed on the Site are used with permission.
You may not copy, transmit, distribute, modify, reuse, sell or display any of the content or images for any public or commercial purpose. You may not use the content or images on this site in any other website or in a network computer environment, including framing the content within another website.
LIMITATION OF LIABILITY
We use reasonable efforts to include accurate and up-to-date information on this Site, but errors or omissions may sometimes occur. You agree that use of this Site is at your own risk.
DirectMedSup and its subsidiaries, affiliates, licensors, or any other parties involved in creating, producing, or delivering this Site and content on DirectMedSup’s behalf, have no liability whatsoever. This includes, but is not limited to, failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access, lost profits, loss of business or data, or punitive damages arising out of You accessing or using this Site or any of its content, or the performance of any product identified on this Site.
In no event shall DirectMedSup, its licensees, its suppliers, or any third parties mentioned on the Site be liable for any damages (including, without limitation, incidental and consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Site or the content displayed on this site, whether based on warranty, contract, tort, or any other legal theory.
The content on this Site and operation of it are provided on an as is basis only. DirectMedSup does not warrant that the Site will operate error free.
DirectMedSup assumes no liability or responsibility for any damages to You, Your computer(s), or any other property due to access to, use of, or downloading of content from this Site.
We strive to provide accurate and up-to-date material on this Site; however, We make no warranties or representations as to the accuracy or timeliness of the content. Content may become inaccurate as a result of many factors, including developments after its publication and DirectMedSup assumes no responsibility to keep content current or to correct inaccuracies or errors in content. DirectMedSup makes no representations or warranties of any kind either express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, We disclaim warranties to the fullest extent permitted by the applicable law.
THE SITE DOES NOT PROVIDE MEDICAL ADVICE
Excluding obtaining a quote or applying for a Medicare Supplement plan, the contents of this Site are for informational and marketing purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of Your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay seeking it because of something you read on this Site!
This Site does not intend to market any products or services to children less than thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this Site for marketing purposes. By using this Site, You represent that You are not less than thirteen (13) years of age.
These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of Texas without giving effect to conflict of law principles thereof.
Cookies allow the web server to maintain an active “session” with an individual user and track information for troubleshooting problems, recording general Site statistics and activity, and tracking what users are accessing on the Site. Cookies cannot extract any personal information about You, nor read any data that resides on Your personal computer or device.
An IP address is a number that is assigned to Your computer automatically when You use the Internet. We may collect IP addresses for the purposes of systems administration, server problem diagnosis and compiling non-identifiable information (such as how many visitors access the Site).
We take precautions to protect information that we collect about You. Even though we use encryption and Secure Socket Layer connections, no data sent over the Internet or wireless networks can be 100% secure. There is always some risk than an unauthorized third party may illegally find a way around security systems or that information may be illegally captured.
As with all electronic communications, there are some risks due to failure of hardware, software and/or Internet access. We are not responsible for failures, alterations, delays, or other unexpected effects resulting from equipment, settings, signal power, or any equipment used to access the Internet.
DirectMedSup is dedicated to protecting your personal information. The Site gathers information that is voluntarily submitted by users. All information is stored in a secure database that can only be accessed by a specialized group of highly trained employees. This information may be used to qualify customers for insurance products, answer questions, provide requested information, or service an existing policy. DirectMedSup also passively collects website usage data that does not contain personally identifiable data. This information helps us to improve the usability and content of the website.
DirectMedSup believes that consumers should be able to control the use of their data. We will not share personally identifiable information with marketing partners if you follow the simple unsubscribe procedure of removing the check mark located at the permission notice box appearing on the DirectMedSup registration page prior to submitting your information. By submitting your personal information or email address on our website, you agree to a subscription to our newsletters and other mailings that we send from time to time. You are free to opt out from receiving these emails at any time by clicking on the unsubscribe link placed in each email. If you have any problems unsubscribing or if you receive any emails after you have unsubscribed you can contact us and we will help you resolve the issue.
All email correspondence complies with the standards of the CAN-SPAM Act. If an opt-out is not submitted, we may share information such as your name, address, phone number and e-mail address with marketing partners so that they can send you offers directly for products and services that may be of interest to you. The personal information our users provide to us may be combined with other personally identifiable information (such as demographic information and past purchase information) available from our records and other sources. We may use a third party to verify your address in order to process your order. This allows us and our marketing partners, with permission, to present our users with offers and information geared towards their interests. We will only deal with marketing partners who offer products or services that we believe may be of interest to our users. Nevertheless, DirectMedSup is not and cannot be responsible for the activities or privacy policies of these third parties. We may share our unsubscribe list with select marketing partners for the sole purpose of insuring that individuals on this list do not receive electronic commercial mail messages containing DirectMedSup advertisements that may be sent by such partners.
We do not rent, license, or sell personal data to third parties unless permission is granted through the use of DirectMedSup.com. Use of the site constitutes permission to share data with business partners if we believe it to be in your best interest or because we believe you will benefit from sharing of your data. In the event of a merger, acquisition, or change of control of DirectMedSup, customer data would be considered a business asset and would be transferred.
We will disclose information we maintain when required to do so by law, for example, in response to a court order or a subpoena. We may also disclose personal information as required by law or to protect the safety and security of our users.
You should also know that when you order an insurance policy or other service through DirectMedSup, we need to provide your name and address to the policy issuer so they can start your service.
We may use other third parties such as e-mail service providers and credit card processors to provide order fulfillment and e-mail delivery services on our site. When you register on our site, we will share your personally identifiable information as necessary for these third parties to provide these services.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA)
HIPAA is the federal law that protects individually identifiable health information. We are required by HIPAA to maintain administrative, physical, and technical safety protections to assure the privacy and integrity of Private Information.
LINKS TO OTHER SITES
For your convenience, this Site may contain links to other websites. We are not responsible for the terms and conditions of use and/or privacy practices of other websites. When using any website, You should review its terms and conditions of use as well as its privacy policies. If necessary, contact the website owner with questions or requests for additional information regarding the website’s terms and conditions of use as well as its privacy policies.