Terms of Use

HE CROSS CO /Insure-ez.com (the “Agent”) provides its website (the “Site”) and mobile Newsletter link (the “Newsletter “) (collectively, the “Platform”) subject to these terms and conditions (the “Terms”), in addition to, and not in limitation of, the provisions of any other agreement you may enter into with Agent.

BY USING EITHER THE SITE OR THE NEWSLETTER, YOU SIGNIFY YOUR AGREEMENT WITH THE FOLLOWING TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT USE EITHER THE SITE OR THE NEWSLETTER.
Any information provided on the Site or through the Newsletter link is not a substitute for the advice of your attorney, personal physician or other qualified health care professional.

Always seek the advice of your physician or other qualified health care professional with any questions you may have regarding medical symptoms or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Site or through the Newsletter Link. If you think you have a medical or psychiatric emergency, call 911 or go to the nearest hospital.

Revisions, updates, and changes
Agent may revise the information on the Site or Newsletter or otherwise change or update the Site or Newsletter, including these Terms, without notice to you (except to the extent required by law), effective immediately upon posting. Agent may also make changes or add new features to the Site or Newsletter at any time without notice. We encourage you to periodically read these Terms to see if there have been any changes that may affect you. Your continued access or use of either the Site or Newsletter shall constitute acceptance of such modifications of the Terms.

Benefit information
No content on the Site or Newsletter is intended to replace or amend language for coverage that you may have with Insurance carrier. You should always consult your benefit booklet and contract for details about what your insurance carrier covers.

No medical or tax advice
The Site or the Newsletter link does not provide medical, or tax advice and neither the information available nor any email responses to your questions shall create either an attorney-client or a physician-patient relationship or constitute the practice of medicine. The information available on the Site or the Newsletter and from any linked sites or third party should not be used as a substitute or supplement for professional legal or medical advice. If you have medical or health-related questions, contact your physician. If you tax-related questions, contact your accountant.

Your submissions
Communications that you post to the Site, or the Newsletter are not confidential. You are responsible for your own communications and the consequences of such posting. Agent does not represent or guarantee the truthfulness, accuracy or reliability of any communications posted by other users or endorse any opinions expressed by other users. Any reliance on material posted by others is at your own risk.

Your obligations
You may not use the Site or Newsletter in any manner that may: adversely affect the resources or the availability of either the Site or the Newsletter to others; violate any local, state, national or international law; delete or revise any content on either the Site or the Newsletter; or use the Site or the Newsletter to harass any other person or to collect or store personal information about other visitors. If you have a unique user identifier and/or password to access secure areas, you are responsible for protecting the identifier and/or password and for any unauthorized use by others, with or without your permission.

Some parts of the Site or the Newsletter may allow you to post, or to email to Agent, materials or information (“Visitor Content”); or to access or use Visitor Content posted or emailed by other visitors to the Site or the Newsletter. You grant Agent the unrestricted right to use or distribute, free of charge, any Visitor Content posted on the Site or the Newsletter by you. You may not submit or post any material or information that is illegal, obscene, threatening, defamatory, invasive of privacy, or infringing of proprietary rights of any person or entity, or which contains software viruses, corrupted data, cancel bots, commercial solicitations, or mass mailings or any form of “spam.” You may not use a false email address to impersonate any person or otherwise mislead as to the origin of any material or information you submit or post.

Agent may review, remove, or edit any Visitor Content at its discretion. Agent has no responsibility and assumes no liability for Visitor Content posted by you or by any other party.

Your account and passwords
You are responsible for taking all reasonable steps to ensure that no unauthorized person shall have access to your password or account. It is your sole responsibility to (1) control the disclosure and use of your username and password; (2) authorize, monitor, and control access to and use of your account and password; and (3) promptly inform the Agent of any need to deactivate a password. You agree not to provide your sign-in credential in a manner that allows for any use of data mining, robots, or similar data gathering and extraction tools or any downloading or copying of account information for the benefit of another party.

Push notifications
When you are signed into the Newsletter, you may receive a message asking if you would like to allow push notifications. Push notifications are a way for a Newsletter application to deliver information, including alerts, sounds and icon badges, to your mobile device. Push notifications can be delivered whether or not you are currently signed in and/or using the Newsletter application and whether or not your device is in locked and/or in sleep mode. If you do not wish for others to view your notifications, you should adjust the privacy settings on your device. If you do not wish to receive push notifications from us, click “Don’t Allow” or a similar button when prompted. If you allow push notifications from us but later decide you no longer want to receive them, you can adjust your settings options, or turn them off through your device notifications settings.

Terms of use and privacy
Agent manages and protects your personal information in accordance with applicable laws and established company security standards and practices. For more information about privacy and security, see Online privacy and security or, for more information about how Agent generally manages your personal information see Notice of privacy.

Notice of privacy practices

Device Data
You agree that we may collect the following information periodically and without further notice to you as a result of your use of the Newsletter: technical data and related information, including but not limited to technical information about your device, system and Newsletter application software, and peripherals.

Disclaimers
Although we attempt to maintain the accuracy and integrity of the content on the Site and the Newsletter, Agent makes no guaranty as to its correctness, completeness, or accuracy. The Site and the Newsletter along with all information, content, materials, and other services included on or otherwise made available to you are provided by Agent on an “as is” and “as available” basis. Agent makes no representations or warranties of any kind, express or implied, as to the operation of the Site or the Newsletter, or the information, content, materials, or other services included on or otherwise made available to you through either the Site or the Newsletter. You expressly agree that your use of the Site services, the Newsletter, and the submission of any information by you is at your sole risk. Agent disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Limitation of Agent and its suppliers and licensors
Agent and its suppliers and licensors (including, for the purposes of this entire section, all providers of services and content for this website) shall not be liable to you, under any circumstances or under any theory of liability or indemnity, for any damages or penalties whatsoever (including, without limitation, incidental indirect, exemplary, punitive and consequential damages, lost profits, or damages resulting from lost data or business interruption) in connection with the use or inability to use the Site or the Newsletter , even if any of them have been advised of the possibility of such damages.

Use of content
The contents of the Site and the Newsletter are protected by copyright. The collective work of the Site or the Newsletter may also include work that is the property of others, which work is also protected by copyright or other intellectual property laws. Unauthorized use may violate copyright, trademark and other laws. Agent authorizes you to view and download material on the Site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.

DMCA
Agent respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, you may send us a notice requesting that the material be removed. When submitting a notice, provide us with the following information: (i) a physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Site or the Newsletter ; (iv) your address, telephone number, and email address;(v) a statement by you, made under penalty of perjury, that the above information in your notice is accurate, that you are the copyright owner or authorized to act on the copyright owner’s behalf, and that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law. Agent’s Copyright Agent for notice of claims of copyright infringement can be reached as follows: Attn: HE CROSS CO, 1050 SW 6th Avenue, Suite 1100, Portland, OR 97204.

Trademarks
Agent’s name and any other names of Agent or its websites, publications, products, content or services referenced on the Site or the Newsletter are the exclusive trademarks or service marks of Agent, including without limitation the “look and feel” of the Site and the Newsletter and the color combinations, layout and other graphical elements. You may not use Agent’s trademarks in any manner without the express, written permission of Agent. Other product and company names that Newsletter ear may be subject to trademark or other rights of other parties.

Links to Third Party Websites and Vendor Websites
This Site or Newsletter provides links to other websites (“Third Party Websites”) that are not owned or controlled by Agent in order to connect you easily to additional sources of health Insurance information or third-party services that may be of interest to you. We may not have any business relationship with the party that controls this type of Third-Party Website and a link to such a site is offered only as a convenience to you. In each such instance, where practicable, we will let you know when you are leaving the Site or Newsletter and linking to a Third-Party Website or accessing third-party services. Agent is not responsible for the content, security, or the privacy practices of Third-Party Websites. Please review the privacy statement and any terms of use of each Third-Party Website you visit. Unless we specifically advise you otherwise, links to Third Party Websites do not constitute or imply endorsement by Agent of those sites, the information they contain or any products or services they describe. Agent does not receive payment or other remuneration in exchange for your linking to or using any Third-Party Websites. Agent also provides links to websites managed by vendors (“Vendor Websites”) that Agent has entered into an agreement with to provide information to you on Agent’s behalf. These Vendor Websites may be co-branded, but they are owned and controlled by the Third Party. Please review the privacy statement and any terms of use of each Vendor Website you visit.

Linking to and framing of this Site
You may not frame any Agent content, or use any trademark, logo or other proprietary information on this Site, without Agent’s express written consent. You may not use Agent’s name or trademarks in any metatags or other hidden text without the express written consent of Agent. You may link to this Site for noncommercial purposes only. Agent reserves the right to demand you remove any such link at any time, for any or no reason, and at Agent’s sole discretion.

Compliance with COPPA
The Site is not directed at children under the age of 13. Agent complies with the Children’s Online Privacy Protection Act and does not knowingly permit registration or submission of personally identifiable information by anyone younger than 13 years of age.

Termination
Agent may terminate your right to access or use the Site or Newsletter at any time without notice. Agent reserves the right to block, delete or stop the uploading of materials and communications that it in its sole discretion finds unacceptable for any reason.

Governing law and disputes
These Terms, and any dispute that may arise between you and Agent, will be governed by the laws of the State of Oregon without regard to conflict of laws or principles. The Terms, as may be amended from time to time, set forth the entire understanding between you and Agent as to the subject matter of the Terms, unless otherwise specifically provided under a written agreement. Jurisdiction and venue will be in the courts of Multnomah County, Ore. for any disputes arising out of or relating to these Terms.

Miscellaneous
If any provision of the Terms is found to be invalid or unenforceable, the remainder of the Terms shall remain in full force and effect, and all Terms shall be enforced to the fullest extent permitted by law. No waiver or failure to assert any provision of the Terms shall be valid unless in writing and signed by an officer of Agent. Agent may assign its rights and duties under the Terms to any party, at any time, without notice. Agent reserves all rights not expressly granted in these Terms.

Third party terms
Some of the features on the Site or the Newsletter are administered or powered by third-party products and services. To the extent those features are used by you through the Site or the Newsletter the following third-party terms would apply: •Transparency features are powered by HealthSherpa, Inc. the use of which is also governed by the HealthSherpa terms of use.

Online privacy and security
For HE Cross Co/ insure-ez.com protecting your personal information is important to us. Whether you are a current customer or visiting this site, we are as committed to protecting the information you provide through this website as when you provide it to us over the phone, in person or through the mail. However, we recognize, and want you to recognize, that while electronic communications have many benefits, they are not as secure as other means of communication. Read the following information carefully to better understand how using this site affects your privacy.

Security practices
Agent attempts to protect online information according to Newsletter applicable laws and established company security standards and practices. We have security measures in place to protect against the loss, misuse, or alteration of information under our control, and we continually evaluate new technologies for safeguarding your information. However, we cannot guarantee the confidentiality or security of electronic transmissions via the Internet because they may potentially use unsecure computers and links, and data may be lost or intercepted by unauthorized parties during such transmission. If you wish to submit personal or confidential information by a more secure means of communication, contact us.

Sensitive information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the Internet. This technology encrypts your account information as it moves between your Internet browser and Agent computer systems. When information is encrypted in this way, it becomes nearly impossible for anyone other than Agent to read it. This secure session helps protect the safety and confidentiality of your information when you interact with Agent online.

Cookies, pixels & similar technologies
Technologies like cookies, pixels, device or other identifiers (collectively, “Cookies and similar technologies”) are used to deliver, secure, and understand products and services offered by HE CROSS CO / insure-ez.com. Cookies are small files that are placed on your browser or device by the website you are viewing or Newsletter you are using. Pixel tags (also called clear GIFs, web beacons, or pixels) are small blocks of code on a website or Newsletter that allow them to do things like read and place cookies and transmit information to us.

We use cookies and similar technologies for a variety of reasons, such as allowing us to show you content and material that’s most relevant to you, improving our products and services, and helping to keep our products and services secure. While specific names of the cookies and similar technologies that we use may change from time to time as we improve and update our products and services, they generally fall into the following categories of use: authentication, security, insights and measurements, localization, and site features and performance.

We sometimes use service providers or partner with third parties to help us provide or inform you of certain products and services. Agent may contract with these other companies that use cookies and similar Technology to collect information regarding your interaction with Agent advertisements and your use of both Agent and third-party websites. We may transfer information to service providers and other partners who globally support our business, such as providing technical infrastructure services, analyzing how our products and services are used, measuring the effectiveness of ads and services, providing customer service, and facilitating payments.
If you do not want to receive cookies and similar technologies from this site, you can set your browser to not accept them.

Use of Email
Use your own best judgment when sending information via the Internet to an email address. Email sent via the Internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email. An email may be copied, altered or destroyed. Agent will respect your request not to be contacted by email.
After your email is received, Agent preserves the content of your email, your email address, and our response so we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements.

Updates to this statement
Evolving technology will continue to provide Agent with new and better ways to safeguard your information. We may update this statement in the future to reflect these technological advances, and we encourage you to return to this page from time to time for any updates.

Notice of privacy practices
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.
PLEASE REVIEW IT CAREFULLY.

We, as HE CROSS CO / insure-ez.com, know you value your privacy. That is why we are committed to the confidentiality and security of your personal information. We maintain physical, administrative and technical safeguards to protect against unauthorized access, use, or disclosure of your personal information, including information we share internally either orally, electronically, or in writing.

We collect personal information, such as your name, contact information, from you, your health insurance providers, and other insurers that provide you coverage. We are required by law to maintain the privacy of this information and to explain our legal duties and privacy practices. We are also required by law to notify affected individuals following a breach of unsecured protected health information. We provide the protections described in this notice to all personal information that we maintain, including personal information of former client who are no longer served by us. We hope this notice will clarify our responsibilities to you and give you an understanding of your rights. This notice is in effect as of January 01, 2022.

Your rights
You may exercise the following rights by calling our Customer Service department or writing our Privacy Official. See Contacting us at the end of this notice.

Inspection and copies
You have the right to request an inspection or copies of protected health information that we maintain about you in a “designated record set” except psychotherapy notes and information that we compiled in anticipation of, or for use in, a civil, criminal, or administrative proceeding. A “designated record set” is a group of records that is used to administer your health benefits, including enrollment information and claims. We may limit the information that you can inspect or copy if we have reason to believe that is necessary to protect you or another person from harm. If we limit your right to inspect or copy, you can ask for a review of that decision.

Amendment
If you believe that protected information we maintain about you in a designated record set is inaccurate or incomplete, you have the right to request an amendment to correct or complete the information. You must submit your request in writing and explain the reason for the amendment. If the amendment is made, we will make reasonable efforts to inform others, including people you identify, that the information has been amended and we will use our best efforts to include the amendment with any future disclosure. We may decline to amend information under certain circumstances. This is likely to occur if we did not create the original record. If we decline to amend the information, you have the right to submit a statement of disagreement. You should know that we are allowed to attach a rebuttal statement in response to your statement of disagreement.

Notice
You have the right to receive a paper copy of this notice upon request.

Accounting
You have the right to request a list of certain disclosures of protected health information. The list will not include disclosures made for health care operations, as this is outside the scope of our service. It also will not include disclosures made pursuant to an authorization, made more than six years before the date of the request, incidental disclosures, disclosures made for national security or intelligence, or disclosures made to a correctional facility. The list will include the date of any accountable disclosure, to whom that disclosure was made, a brief description of the information disclosed, and the purpose for that disclosure (provided this information is known to us). We will supply this list free of charge once a year at your request. If you request an accounting more than once in a 12-month period, we may charge a reasonable fee.

Special handling
You have the right to request restrictions on our use or disclosure of protected health information in addition to the restrictions imposed by law. We are not required to agree to your request, and we may be unable to do so. If we do agree, we will comply with your request except in the case of emergency. You also have the right to request that we communicate with you in confidence with respect to communications you believe may endanger you. We will make every effort to accommodate your request if it is reasonable and you provide an alternate means to communicate. You should know that redirecting communication may not prevent others on your policy from discovering that you sought medical care. Accumulated deductibles and co-payment information may reveal that you obtained services. In addition, historic claims reports may include services that were obtained during the time communications were redirected.

Complaints
You have the right to submit a complaint if you believe we have violated your privacy rights. To submit a complaint, write to: HE CROSS CO 1050 SW 6th Avenue, Suite 1100, Portland, OR, or call our phone number, 800-344-6876. You also have the right to submit a complaint to the Secretary of the state of Oregon, or the Insurance Division. Be assured that we will not retaliate against you for submitting a complaint.