Terms of Use

I. Use of Site

We require that each visitor to this internet web site ("Site") adhere to these Terms of Use, which may have been revised since you last visited this Site. Please read these Terms of Use carefully before using this Site. By accessing this Site, you acknowledge that you have read, understand and accept each of the provisions of these Terms of Use. You are bound by any revisions to these Terms of Use and should visit this section at each visit to review the current Terms of Use. If you do not agree to these Terms of Use, you should not use this Site.

II. Site Purpose and Conditions

This Site provides you access to information about insurance coverage and payments.

III. Your Responsibilities and Right

You agree to practice good faith in your use of this Site and will not knowingly perform any activity that would be detrimental to us or provide false information to us. Misrepresenting, obscuring, suppressing, or replacing your identity on this Site is forbidden.

If information is accessed accidentally on this Site that is not intended for your utilization, any dissemination, distribution, or copying of such information is prohibited. If you, in error, receive any information, you must not download such information or communicate it, in any way, to another person. You will immediately destroy any record of such information.

IV. Limitation of Liability/Disclaimer

WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES THAT ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.

THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

V. Copyright, Trademarks and Service Marks

The trademarks, logos and service marks (collectively "Marks" and, individually, "Mark") displayed on this Site and its content are our property ("Mark Owner"). All visitors to this Site, including you, are prohibited from using any Mark or duplicating, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for any purpose without the express written permission of the Mark Owner. The posting of information and material on this Site does not constitute a waiver by the Mark Owner of any rights in such material and does not transfer any rights to any visitor to this Site, including you.

VI. Ownership

The design, text and images of this Site are owned, controlled or licensed by us. We retain all right, title and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by us of any rights in such material and does not transfer any rights to any user of or visitor to this Site.

VII. Linking

This Site may contain hyperlinks or references to websites operated, owned or maintained by parties other than us. Such hyperlinks are provided solely as a matter of convenience. We do not control such websites and are not responsible for their contents. The inclusion of hyperlinks to such websites does not imply any endorsement, approval or certification by us of the material on such websites or any association with their operators. Access to any such other website linked to this Site is at the user's own risk. We prohibit caching, unauthorized hypertext links to this Site and the framing of any services, without our express written permission.

VIII. Privacy

We adhere to all state and federal laws regarding the privacy of information submitted by users of Our web sites. For Our online privacy notice, please click on Privacy Notice.

IX. Security

We understand that the security of Your information is important to You. Whenever You submit personally identifiable information through this Site, You will be doing so through Our or Our licensor's secure server.

All information that You input on this Site is transmitted directly to Our secure internal database server or the server or Our licensor, both for processing and as a business record. We take measures to protect this information while it is stored, including:

When You use a secure browser, all information You submit to Us while on this Site (but not via e-mail), is transmitted to Us over the Internet in a protected form. The use of secure browser allows Us to use Secure Socket Layer (SSL) encryption when transmitting Your information.

XI. Laws and Regulations

Access to and use of this Site is subject to all applicable federal, state and local laws and regulations in the United States.

This Agreement shall be governed by and construed in accordance with the laws of the State of Maine, without giving affect to any principles of conflicts of law. Any lawsuit involving this Site shall be brought in the United States District Court for the District of Maine or the appropriate Maine state court.

XII. Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

XIII. Violations of Terms of Use

We reserve the right to seek any remedy available at law or in equity for any violation of the Terms of Use including the right to block access from a particular Internet address to this Site.

XIV. Changes to Terms of Use

We reserve the right to revise these Terms of Use at any time and You are deemed apprised of and bound by any changes to these Terms of Use.

XV. Severability of Provisions

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.