This Web Site (Site) is an online information service provided by PCI Insurance Inc. (PCI) subject to your compliance with the terms and conditions set forth below. PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING THE SITE. BY ACCESSING OR USING THE SITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OUTLINED BELOW.
All of the writing in this Site is the property of PCI and is protected under copyright. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any manner the material text or graphics on this site without written permission. You may view and make one (1) copy of the information on the pages of this Site for your own private study or research and for non-commercial purposes only provided that no modifications of any documents are made. In the event of such use, all copyright and other notices, and clear attribution to PCI must be maintained. All copies of the information must include the following notice:
This information is not intended for use without professional advice. Materials may not be copied to any storage medium for distribution to third parties except with the express permission of PCI. We reserve the right to refuse or withdraw permission for copies without specification of reason. Any program, publication, design, product, process, software, technology, information, know-how or idea in this Site may be the subject of other rights, including intellectual property rights owned by or licensed to PCI and are not licensed to you.
PCI logos and product names are trademarks or tradenames of PCI Insurance, Inc. You are not authorized to use or reproduce any trademarks except for the limited purposes set out above.
The information contained in this Site is carefully researched and is believed to be accurate. However the application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this Site.
Accordingly, PCI provide no guarantee, or warranty, written or implied, as to the accuracy of any of the information contained in this website. The information contained herein is designed to be a starting point for discussion and discovery and is not intended to constitute actuarial, legal, accounting, tax, investment, or other professional advice or services. Because every situation is unique, you should consult a PCI professional who can thoroughly review and analyze all aspects of your particular situation before making any decision or taking action.
The information in this Site is provided "as is", with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to, warranties of performance, merchantability, and fitness for a particular purpose. By using this website you agree that under no circumstances will PCI, its related partnerships or corporations, or the partners, agents, or employees thereof be liable to you or anyone else for (1) any information contained in or omitted from this website, (2) any person’s reliance on such information whether or not the information is correct, current or complete (3) any decision made or action taken in reliance on the information in this Site or for any consequential, special, or similar damages, even if advised of the possibility of such damages. Certain links in this Site connect to other Web Sites maintained by third parties over which PCI has no control.
PCI is not responsible for the contents of any linked site, any link contained therein, or any changes or updates to such site. PCI makes no representations as to the accuracy or any other aspect of information contained in other Web Sites and the inclusion of any link does not imply endorsement of PCI of the site.
PCI Insurance may collect nonpublic personal information about you from the following sources:
We use customer information to underwrite your policies, process your claims, ensure proper billing, service your account, and offer you other PCI Insurance products that we believe may suit your needs.
PCI Insurance may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud, and maintaining software for us. We may also disclose information in response to requests from law enforcement agencies or State Insurance authorities. We do not sell lists of our customers, nor do we disclose customer information to marketing companies outside of PCI Insurance.
PCI Insurance is strongly committed to protecting the privacy of its members. We maintain physical, electronic, and organizational safeguards to protect customer information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information.
Over the past several years, the federal government has been developing standards designed to ensure security and efficiency in the transmission of healthcare-related information, as well as to safeguard privacy in its use and disclosure, under a statute commonly referred to as HIPAA: the Health Insurance Portability and Accountability Act of 1996. PCI Insurance is in full compliance with the latest privacy regulations established by HIPAA, which became effective April 14, 2003 . Under the HIPAA privacy regulations, you have the right to know how your personal health information is being used and to request restrictions on the use or disclosure of that information.
PCI Insurance has established appropriate procedural, electronic and physical security measures to protect your personal information, including:
We will retain personal information for as long as necessary for the purpose for which it has been collected, or as required or permitted by law, including insurance laws, tax laws, and statute of limitations laws. PCI Insurance is fully committed to maintaining the highest levels of security and privacy for its members, providers and clients while ensuring adherence to all applicable Federal and State laws and regulations.
Disclaimers: All information, products, materials, services and advice contained on this site, or provided by this site, including all text, graphics, links, java script and "cookies," are provided on an "as-is" basis without any conditions or warranties of any kind, either express or implied.
To the maximum extent provided by law, PCI Insurance and its suppliers disclaim all representations and warranties, express or implied, including, but not limited to: warranties of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus strains and implied warranties arising from course of dealing or course of performance.
PCI Insurance makes no representations or warranties about the satisfaction of government regulations requiring disclosure of information on the products or services sold or advertised on this site.
PCI Insurance does not represent or warrant that the information, materials, services and advice provided on this Site are accurate, reliable, complete or current.
Limitation of Liability: In no event shall PCI Insurance, nor any of its members, directors, officers, employees, suppliers or other representatives, be liable for any special, punitive, indirect, incidental or consequential damages, or any other damages of any kind, including, but not limited to: personal injury, wrongful death, loss of use, loss of profits, interruption of service or loss of data, whether in any action in warranty, contract, tort (including, but not limited to, negligence or fundamental breach), or otherwise, arising out of or in any way connected with the use of, or the inability to use, this site or the material contained herein, accessed through or products purchased on, this Site, even if an authorized representative of PCI Insurance is advised of the likelihood or possibility of the same.
Any claims arising in connection with your use of this Site must be brought within one (1) year of the date of the event giving rise to such action.
When using this site, information will be transmitted over a medium which is beyond the control and jurisdiction of PCI Insurance and its suppliers.
Accordingly, PCI Insurance assumes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of this site.