Site Use Agreement

Welcome to Alternative Health Insurance Services' website.  Before taking advantage of the many useful services offered here, please take a minute to ensure that you understand the terms and conditions of our relationship by reading this important information.

By using this site, you are deemed to have agreed to these terms and conditions. In addition to these terms and conditions, you agree to the collection and use of your personal information for the sole and exclusive use of Alternative Health Insurance Services.  We reserve the right to modify these at any time. You should check these terms and conditions periodically for changes.

By continuing to use the services offered on this site, you agree to be bound by any such revisions whether or not your have reviews them. If at any time you choose not to accept these terms and conditions of use, please do not use this site.

Scope of Terms and Conditions

These terms and conditions apply to your use of all of the sites and services owned or operated by Alternative Health Insurance Services and affiliated companies. These terms and conditions do not apply to your use of unaffiliated sites to which this website only links.

Restrictions on Use of Content

The contents of this website are protected by copyright and trademark laws, and are the property of their owners. Unless we say otherwise, you may access these materials located only for your personal use. This means you may access one copy of posted materials on a single computer for personal, noncommercial home use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright notice.

When you access or download copyrighted material you do not obtain any ownership rights in that material.

You may not modify, copy, publish, display, transmit, adapt or in any way exploit the content of this website. Only if you obtain prior written consent from us — and from all other entities with an interest in the relevant intellectual property — may you publish, display or commercially exploit any material from the this website. You must abide by all additional copyright notices or other restrictions contained in the site.

Disclaimer of Medical Liability

ALTERNATIVE HEALTH INSURANCE SERVICES DOES NOT PROVIDE MEDICAL ADVICE.

The contents of this website, such as text, graphics, images, information obtained from Alternative Health Insurance Services licensors, and other material (the "Content") contained on the site are for general informational purposes only. The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Statements about products and health conditions have not been evaluated by the U.S. Food & Drug Administration.  ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTH PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION AND ALWAYS SPEAK WITH A PRACTITIONER BEFORE TAKING ANY DIETARY, NUTRITIONAL, HERBAL OR HOMEOPATHIC SUPPLEMENT.  Never disregard professional medical advice or delay in seeking it because of something you have read on this or any website.

Alternative Health Insurance Services does not recommend or endorse any specific tests, products, procedures, opinions, or other information that may be mentioned on the website. Reliance on any information provided by Alternative Health Insurance Services, Alternative Health Insurance Services employees, other people appearing on the website at the invitation of Alternative Health Insurance Services, or other visitors to the website is solely at your own risk.

You are solely responsible for compliance with the laws applicable to your state or country of residence.

Advertisements and Links

We do not endorse or take responsibility for the contents, advertising, products or other materials made available through any other site. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any other site. You should direct any concerns to that site's administrator or webmaster. We are not responsible for the availability of any other site to which any of our website links.

Other sites may link to this website only through a plain-text link.  Permission must be granted by us for any other type of link to this website. We reserve the right, however, to rescind any permission granted by us to link through a plain-text link or any other type of link, and to require termination of any such link, at our discretion at any time.

Disclaimers

THE SERVICES, PRODUCTS AND MATERIALS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

NEITHER WE NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS WARRANT THAT ANY FUNCTIONS CONTAINED IN THE WEBSITE(S) WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITES OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

NEITHER WE NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, PRODUCTS OR MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT WE OR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION TO YOUR SYSTEM.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

We do not endorse, warrant or guarantee any products or services offered on this website. We are not a party to, and do not monitor, any transaction between users and third party providers of products or services.

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, WILL WE OR ANY OF OUR LICENSORS OR SUPPLIERS BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE, OR ANY PRODUCTS OR SERVICES PROVIDED PURSUANT TO THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST DATA), SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE TOTAL LIABILITY TO YOU BY US OR ANY OF OUR LICENSORS OR SUPPLIERS FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU TO US, IF ANY, FOR ACCESSING THE SITES.

No Personal Advice

The information contained in or made available through this website cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the website. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death.

Parental Permission

Some of the information available on the website or links concerns material that may not be appropriate for children. Further, the website is not directed to children under the age of 18 and we will not knowingly collect personally identifiable information from children under 18. WE STRONGLY RECOMMEND THAT PARENTS PARTICIPATE IN THEIR CHILDREN'S EXPLORATION OF THE INTERNET AND ANY ONLINE SERVICES AND USE THEIR BROWSER'S PARENTAL CONTROLS TO LIMIT THE AREAS OF THE INTERNET TO WHICH THEIR CHILDREN HAVE ACCESS.

We may, at our discretion, require users under 18 to obtain the consent of a parent or guardian to view certain content, and we may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.

We reserve the right to charge fees, surcharges and/or membership fees for all or any of its services currently provided for free at any time upon thirty (30) days' prior written notice to you.

Privacy Policy

We are committed to protecting your privacy and security and do not disclose any information collected through this website to any third party for any reason.  Data collected on this website may be used by Alternative Health Insurance Services to distribute future data on subjects that we feel may be of interest to our website visitors.

General Legal Provisions

International Laws: Alternative Health Insurance Services is based in San Jose, California, in the United States of America.  We make no claims that the Content is appropriate or may be downloaded outside of the United States. Access to the Content may not be legal by certain persons or in certain countries. If you access this website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

Choice of Law and Forum: You expressly agree that exclusive jurisdiction for any dispute with Alternative Health Insurance Services, or in any way relating to your use of this website, resides in the courts of the State of California, and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the State of California in connection with any such dispute including any claim involving Alternative Health Insurance Services or its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and content providers. These Terms of Service are governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles.

Entire Agreement: Except as expressly provided in a particular "legal notice" on the Alternative Health Insurance Services site, these Terms of Service constitute the entire agreement between you and Alternative Health Insurance Services with respect to the use of the Website and Content. Your use of this website is also subject to the Alternative Health Insurance Services Privacy Policy. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software.

Termination: Alternative Health Insurance Services may terminate these Terms of Service without cause at any time and effective immediately. In addition, Alternative Health Insurance Services, in its sole discretion may terminate these Terms of Service immediately and without notice for violation of any part of these Terms of Service, or with the letter or spirit of these Terms of Service. You may also terminate these Terms of Service by simply discontinuing use of your account and/or the Sites. In the event of any termination of these Terms of Service, the restrictions on your use of the Content as set forth above shall survive such termination, and you agree to be bound by those terms.

Indemnity: You agree to defend, indemnify, and hold Alternative Health Insurance Services, its officers, directors, employees, agents, licensors, suppliers, and affiliates harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Service.

Non-waiver: Our failure to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. No waiver of any of the Terms of Service shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Limitation on Actions: You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Sites or these Terms of Service must be filed within one year after such claim or cause of action arose or be forever barred.

Export: The U.S. export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations - including but not limited to the Export Administration Act and the Arms Export Control Act and not to transfer, by electronic transmission or otherwise, any Content derived from the Web site to either a foreign national or a foreign destination in violation of such laws.

Section Titles: The section titles in the Terms of Service are for convenience only and have no legal or contractual effect.