Terms & Conditions of Use

Essential Benefit Administrators provides information contained on http://www.essentialbenefitplans.com to you subject to the following terms and conditions. By using the Essential Benefit Administrators website, you acknowledge that you have read these terms and conditions of use, understand them, and agree to be bound by all of the terms and conditions.


Intellectual Property

Most of the content on our website is in the public domain and does not include copyright or other intellectual property notices. However, certain plans proprietary and protected by copyright, trademark, and other intellectual property laws. Certain material on the website is not government material. You acknowledge and agree that the materials are the property of the respective service providers, suppliers or licensors, and that you will not acquire any rights or licenses in any copyright, trademark or other intellectual property contained within the Essential Benefit Administrators website.

Government information is normally in the public domain. Public domain information may be freely distributed and copied. However, you are authorized to use our contractors computer software and related database for informational purposes only and not for any direct or indirect commercial purpose. In addition, other material on the website which is not government material may not be copyrighted by private entities and may not be used for any direct or indirect commercial purpose. Any use not authorized herein is prohibited. Any copies that you make of the materials must retain all copyright and other notices. Except as expressly provided for in this Terms and Conditions of Use agreement, you may not reproduce, modify, publish, transmit, display, perform, distribute, disseminate, broadcast or circulate any materials to any third party, or participate in the transfer or sale of, create derivative works or in any way exploit the content of the Essential Benefit Administrators website or any portion thereof without express prior written consent of the Essential Benefit Administrators.

No proprietary data on the Essential Benefit Administrators website may be downloaded, republished, resold, duplicated or "scraped", in whole or in part, for any purpose other than the personal uses permitted in these Terms and Conditions of Use.

Your Obligations

You may use the Essential Benefit Administrators features, offerings, and content for lawful purposes only. You are solely responsible for all content you transmit through the Essential Benefit Administrators website. You agree to provide information which is (1) accurate and not misleading and (2) free of damaging content including, without limitation, viruses, worms, trojan horses, or other programs that care capable of disabling, damaging, interfering, altering, intercepting, or otherwise impacting or affecting the Essential Benefit Administrators website or any of its users. By using the Essential Benefit Administrators website, you indicate and represent that you have the power and authority to accept the Terms and Conditions of Use and to enter into this agreement with the Essential Benefit Administrators, that you are capable of assuming, and do assume, any liability and risk related to the use of the Essential Benefit Administrators website and its materials, and that you understand and accept the terms, conditions, and risks relating to their use. If you do not agree with the Terms and Conditions of Use or are in any way dissatisfied with the Essential Benefit Administrators website or its materials, your exclusive remedy is to discontinue using the Essential Benefit Administrators website.

Fraudulent Use

You must safeguard any password or other Essential Benefit Administrators-entry materials to prevent unauthorized persons from accessing your account information, as you acknowledge that the Essential Benefit Administrators cannot verify the identity of persons using the Essential Benefit Administrators website under your password. Essential Benefit Administrators is not responsible for the use of lost or stolen password information. Should you allow others access to your online account information, you will be responsible for all actions that such persons might take with respect to your account. If you suspect that your account has been fraudulently used or otherwise compromised, you should immediately contact the Essential Benefit Administrators.

Limitations

Your use of and browsing in the Essential Benefit Administrators website are at your risk. Essential Benefit Administrators does not warrant that the service will be uninterrupted or error free. The Essential Benefit Administrators is not liable for any incidental, consequential, direct, indirect, or punitive damages to you or a third party arising out of your access to, or use of, the Essential Benefit Administrators website. Without limiting the foregoing, everything on the Essential Benefit Administrators website is provided to you "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Essential Benefit Administrators also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Essential Benefit Administrators website or your downloading of any materials, data, text, images, video, or audio.

There are certain state and federal laws that govern the operation of Essential Benefit Administrators your rights and responsibilities as a user of the Essential Benefit Administrators website, and the coverage obtained through Essential Benefit Administrators. By using the Essential Benefit Administrators website, you agree to comply with these laws as they may apply to users of this website and coverage obtained hereunder.

Changes to Terms and Conditions of Use

Essential Benefit Administrators may from time-to-time, and at its sole discretion, modify the Terms and Conditions of Use. The modified Terms and Conditions of Use will be effective immediately upon posting. You agree to the new posted Terms and Conditions of Use by continuing your use of the Essential Benefit Administrators website. You agree to review the Terms and Conditions of Use periodically and your continued use of the Essential Benefit Administrators website following such modification will indicate your acceptance of these modified Terms and Conditions of Use. If you do not agree with the modified Terms and Conditions of Use, your only remedy is to discontinue using the Essential Benefit Administrators website.

For the purpose of Identity Proofing

To protect your privacy, you will need to complete Identity Verification successfully, before requesting access to the selected role. Below are a few items to keep in mind.

Ensure that you have entered your legal name, current home address, primary phone number, date of birth and email address correctly. We will only collect personal information to verify your identity with Experian, an external identity verification provider.

Identity Verification involves Essential Benefit Administrators using information from your consumer report profile to help confirm your identity. As a result, you may see an entry called a "soft inquiry" on your Essential Benefit Administrators consumer report. Soft inquiries are only visible to you, will never be presented to third parties, and do not affect your credit score. The soft inquiry will be titled "CMS Proofing Services" and will be removed from your Experian consumer report after 25 months.

You may need to have access to your personal and consumer report information, as the Experian application will pose questions to you, based on data in their files. For additional information, please Essential Benefits Administrators.