NCA










Legal Notice

Legal Notice

National Consumers Advantage Association

National Consumers Advantage Association of companies includes contracted marketing companies. National Consumers Advantage Association is the brand name for products underwritten and issued by contracted marketing companies. Each of National Consumers Advantage Association companies is a separate legal entity. As such, none of the individual companies are responsible for the financial condition or contractual obligations of the other Assurant Health companies, except as may be expressly provided in a written contract between such entities.

National Consumers Advantage Association requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Terms and Conditions

General

The information contained in this notice is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. It is provided solely for general informational purposes. National Consumers Advantage Association does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. National Consumers Advantage Association makes no representation concerning the suitability of this documentation for any purpose. It is provided "as is" without express or implied warranty. This Site may contain hyperlinks to Web sites operated by parties other than Assurant Health. Such hyperlinks are provided solely as a matter of convenience. National Consumers Advantage Association does not control such Web sites and is not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by National Consumers Advantage Association of the material on such Web sites or any association with their operators.

Personal Information Collection

Personal information about you and your dependents such as name, address, telephone number, e-mail address, date of birth and general health data may be requested on this Web site in order to deliver the requested materials to you, respond to your questions, or to provide a price quote on a National Consumers Advantage Association product. As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. National Consumers Advantage Association does not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Information Disclosed

The personal information you submit to National Consumers Advantage Association remains your property, but by submitting that information to National Consumers Advantage Association, you grant National Consumers Advantage Association the right to use that information for marketing purposes and to follow up on your request or online visit. National Consumers Advantage Association may also use such information for content improvement and feedback purposes. BY SUBMITTING PERSONAL INFORMATION TO US, YOU AUTHORIZE US TO CONTACT YOU VIA E-MAIL, FACSIMILE, DIRECT MAIL OR TELEPHONE (INCLUDING USE OF AUTOMATIC DIALER AND PRERECORDED MESSAGING) IN ORDER TO PROCESS AND/OR FULFILL YOUR REQUEST OR FOLLOW UP ON YOUR VISIT, EVEN IF YOU ARE REGISTERED ON THE NATIONAL DO NOT CALL LIST OR ANY EQUIVALENT STATE DO NOT CALL LIST. YOU WILL BE CONTACTED AT THE PHONE NUMBER YOU PROVIDE TO US, REGARDLESS OF WHETHER IT IS A CELLULAR PHONE OR A LAND LINE. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. National Consumers Advantage Association's unsubscribe process impacts only the future delivery of electronic mailings disseminated by National Consumers Advantage Association on its own behalf.

Limitation of Liability

National Consumers Advantage Association expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may be changed or updated without notice. National Consumers Advantage Association also may make improvements or changes in products described on this Site at any time without notice. National Consumers Advantage Association specifically disclaims any liability (whether based in contract, tort, and strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if National Consumers Advantage Association has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstances will National Consumers Advantage Association be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

National Consumers Advantage Association makes no representation as to the financial or other suitability of any product described on this Site for any User.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The National Consumers Advantage Association trademarks, logos and service marks (the "Marks") displayed on this Site are the property of National Consumers Advantage Association. Users are prohibited from using any Mark for any purpose without the express written permission of National Consumers Advantage Association.

Ownership

The design, text and images of this Site are owned, controlled or licensed by National Consumers Advantage Association and/or its licensors and retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by National Consumers Advantage Association or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking

The User may leave this Site and access other sites on the World Wide Web that National Consumers Advantage Association does not maintain. National Consumers Advantage Association is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.

Your Internet User Information

When you come to this Web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what areas of our Web site you visit. This information helps us improve our site and ensure that the information you need is easy to access. While we track this information about the technology you are using, we do not identify who you are. You will remain anonymous to our system unless you choose to tell us who you are. For example, when you submit a question via our e-mail submit form, this information is kept confidential and only disclosed to those who may be able to help answer your question within the company. We do not disclose your personal information to other companies who intend to sell their products or services to you. For example, we will not sell your name or E-mail address to a catalog company. As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. National Consumers Advantage Association does not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Vendor Links

National Consumers Advantage Association does not guarantee that information contained within network provider directories is accurate, nor does National Consumers Advantage Association guarantee the availability of any particular vendor or service.

Laws and Regulations

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

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 and any user who accesses or attempts to access such areas without authorization may be subject to prosecution.

Terms of Membership

National Consumers Advantage Association, from now on known as “Association”. Please read the below membership and billing agreement. Signing below will indicate that you agree to the terms of membership and billing. Member is an individual who resides in the United States, 18 years of age or older and otherwise eligible to receive services. This definition also includes the Member’s dependents: legal spouse and/ or children under the age of 26 years residing with the Member. A civil union spouse is considered a legal spouse for policies issued in the state of Illinois. I am requesting enrollment as a Member of the Association and understand that there are dues associated with the membership. I understand that my failure to remit membership dues will result in loss of eligibility to participate in any of the Association sponsored programs or discounts. I understand this is not an insurance program or product. Applications for membership received between the 1st and 28th of the month where the payment was successfully processed will be considered in good standing as of the 1st of the month. Applications for membership received between the 28th and the end of the month where the payment was successfully processed will be considered in good standing on the 1st of the following month. Member understands that the Association will make every reasonable effort to ensure the information provided on its website is accurate at the time of initial posting; however, Member understands that it is the MEMBER’S RESPONSIBILITY to confirm the information listed with the product or service provider is still accurate and valid as of the date of purchase from the service provider. Member will contact Association in the event any benefit, discount or offer listed on the Association website purported by Member to be inaccurate in any way. Member understands that the Association does not set the discounts or services offered by the individual service provider; therefore, the Association cannot guarantee that any specific savings will be realized. It is the responsibility of the Member to verify service provider charges and make an informed determination of potential savings based upon market comparison. Member further understands that the Association and its affiliates, directors, officers, employees and representatives are not responsible for the outcome of any services received from any service provider associated with the Association either directly or indirectly; and, Member agrees to hold the Association and its affiliates, directors, officers, employees, representatives and associates harmless for any undesirable outcome or damage or loss caused by or resulting from any service, product or action of a service provider. You further affirm you are not enrolling for someone else, another entity - or on your own behalf, for the purpose of, in whole or in part, of making threats or demands for money by alleging violations of the Telephone Consumer Protection Act and/or Federal Trade Commission DO NOT CALL registry or regulations. You expressly indemnify all parties involved in enrolling in these product(s) from any alleged violations, or threats of litigation, as it relates to the Telephone Consumer Protection Act or Federal Trace Commission DO NOT CALL registry related violations.

Forward-Looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and National Consumers Advantage Association cannot give assurance that such statements will prove to be correct. Changes to Terms and Conditions National Consumers Advantage Association reserves the right to revise theses Terms and Conditions at any time and Users are deeded to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions

National Consumers Advantage Association reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.