Accepting the Terms

By using the information, tools, features and functionality located on www.thehealthcareloop.com (together the “Service”), you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the www.thehealthcareloop.com website) or you are a “Member” (which means that you have registered with www.thehealthcareloop.com). The term “you” or “User” refers to a Visitor or a Member. The term “we” refers to PYA. If you wish to become a Member, communicate with other Members and make use of the Service, you must read this Agreement and indicate your acceptance during the Registration process.

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with PYA.

If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

Privacy and your Personal Information

For information about data protection practices, please read PYA’s Privacy and Security Policy, which is hereby incorporated into this Agreement. This policy explains how PYA treats your personal information when you access www.thehealthcareloop.com and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the site.

Description of the Service

The Service is an information management service that allows Members to consolidate and track their Healthcare Reform information on www.thehealthcareloop.com. Based on such information, the Service may also present information relating to third party products or services (“PYA Offers”).

The Service is provided to you by PYA without charge (it is free) and is meant as an aid to assist you in organizing and managing information. It is not intended to provide legal, tax or financial advice.

PYA Offers and Third-Party Links (do we want to offer third party links at any time? Maybe in the future, but not now…)

Some parts of the Service are supported by sponsored links from advertisers and display PYA Offers that may be custom matched to you based on information stored in the Service, queries made through the Service or other information. We will always disclose when a particular PYA Offer is sponsored.

In connection with PYA Offers, the Service will provide links to other web sites belonging to PYA advertisers and other third parties. PYA does not endorse, warrant or guarantee the products or services available through the PYA Offers (or any other third-party products or services advertised on or linked from our site), whether or not sponsored, and PYA is not an agent or broker or otherwise responsible for the activities or policies of those web sites. PYA does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on Mint.com are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market.

Your Registration Information

You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your LoginID e-mail address, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide form your “Registration Information.”

By providing us with your e-mail address, you agree to receive all required notices electronically, to that e-mail address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser.

If you become aware of any unauthorized use of your Registration Information, you agree to notify PYA immediately at the email address – admin@thehealthcareloop.com

Your Use of the Service

Your right to access and use www.thehealthcareloop.com is personal to you and is not transferable by you to any other person or entity. In order for the Service to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Service to you will be affected.

Your access and use of www.thehealthcareloop.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of www.thehealthcareloop.com or other actions that PYA, in its sole discretion, may elect to take.

Online and Mobile Alerts

PYA may from time to time provide automatic alerts and voluntary account-related alerts.

Automatic alerts may be sent to you following certain changes made online to your PYA account, such as a change in your Registration Information.

Voluntary account alerts may be turned on by default as part of the Service. They may then be customized, deactivated or reactivated by you.

Electronic alerts will be sent to the email address you have provided as your primary email address for www.thehealthcareloop.com. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. Changes to your email address or mobile number will apply to all of your alerts.

PYA’s Intellectual Property Rights

The contents of www.thehealthcareloop.com, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under both United States and other applicable copyright, trademark and other laws. The contents of www.thehealthcareloop.com belong or are licensed to PYA or its software or content suppliers. PYA grants you the right to view and use www.thehealthcareloop.com subject to these terms. You may download or print a copy of information for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from www.thehealthcareloop.com in whole or in part for any other purpose is expressly prohibited without our prior written consent.

Alert Disclaimer

You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. PYA does its best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that PYA shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

Limitations on PYA’s Liability

PYA SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO MINT.COM, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF PYA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, PYA’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO $500.00 (FIVE HUNDRED UNITED STATES DOLLARS).

Your Indemnification of PYA

You shall defend, indemnify and hold harmless PYA and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.

Ending your relationship with PYA

This Agreement will continue to apply until terminated by either you or PYA as set out below. If you want to terminate your legal agreement with PYA, you may do so by closing your account for the Service.

Please use the directions below to cancel your account:

PYA may at any time, terminate its legal agreement with you:

  • if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
  • if PYA in its sole discretion believes it is required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful); or
  • immediately upon notice, to the e-mail address provided by you as part of your Registration Information.

Modifications

PYA may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on www.thehealthcareloop.com. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

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