Privacy & Terms of Use
This page discloses the privacy policy and terms of use of the Healthfinanceassociates.com
web site.
PRIVACY POLICY
Privacy Information
Healthfinanceassociates.com collects information about users in two ways: 1) data that users
volunteer by submitting our contact form. 2) aggregated tracking data we
collect when users visit or interact with us.
Aggregated Tracking Information
We analyze visitors' use of our site by tracking information such as pageviews,
traffic flow, search terms, and click through. We use this information to
review our visitor traffic and to improve our site.
Log Files
We use IP addresses to analyze trends, administer the site, track user movement,
and gather broad demographic information for aggregate use. IP addresses
are not linked to personally identifiable information.
Cookies
This website does not use or place cookies at any time.
TERMS OF USE
1. Acceptance of Terms
Healthfinanceassociates.com ("HFA") provides access to this web site (the "Site")
subject to the acceptance of this User Agreement ("Agreement") by
all persons accessing, browsing, or otherwise using this Site ("User" or "you").
This Agreement may be updated by HFA from time to time without prior notice
to you. HFA encourages you to review this Agreement periodically for any
updates or changes. By accessing or using the Site, you agree to be bound by
the terms of this Agreement, as revised. When using a particular feature of
the Site, you may also be subject to any posted guidelines, rules, terms of
service, codes of conduct or other contractual provision as noted. In the event
of a conflict between any other agreement, rule, or terms of service and this
Agreement, the provisions of this Agreement shall govern. If you have any questions
about this Agreement please contact HFA using the Site.
2. Disclaimer
The contents of the Site, such as text, graphics, photographs, software and
other material (the "Content"), is presented for informational
purposes only. HFA will use reasonable efforts to include up-to-date
and accurate information in this Site, but makes no representations, warranties,
or assurances as to the accuracy, currency or completeness of the Content
provided, including third party information, such as, but not limited to,
press releases, articles, or information from third-party web sites linked
to or from this Site.
3. No Endorsement of Links to Other Websites
Any links to other sites are provided as merely a convenience to you. This
Site may provide links or references to other sites but HFA has not
reviewed all of these other sites, has no responsibility for the content
of such other sites and shall not be liable for any damages or injury arising
from the content from these other sites. You understand that, except for
information, products or services clearly identified as being supplied by
HFA, HFA does not operate, control or endorse any information,
products or services on the Internet in any way. HFA does not endorse
or make any representations about these sites, any information or other products
or materials found on these sites, or any results that may be obtained from
using these sites. If you decide to access any of these other sites linked
to this Site, you do so entirely at your own risk.
4. Privacy
You agree that you have read and understand the terms of HFA's privacy
policy. You acknowledge that the Site may link to other sites not controlled
by HFA and that the collection of your data by these sites is outside
the scope of HFA's control.
5. Use of the Site
You also understand that HFA cannot and does not guarantee or warrant
that files available for downloading from the Site will be free of infection
or viruses, worms, Trojan horses, time bombs, cancelbots or other computer
programming routines that are intended to damage, detrimentally interfere
with, surreptitiously intercept or expropriate any system, data or personal
information (collectively, "Hazards"). You are responsible for
implementing sufficient procedures and checkpoints to satisfy your particular
requirements for accuracy of data input and output, and for maintaining a
means external to the Site for the reconstruction of any lost data.
6. System Integrity
You may not use any device, software or routine to interfere with the proper
working of the Site. You may not take any action that imposes an unreasonable
burden upon the infrastructure used to support the efficient operation of
the Site.
7. Acceptable and Lawful Use of Site
Any personal information, computer information, or other information that you
provide to HFA in connection with the use of the Site: (a) shall not
be obscene or indecent; (b) shall not contain any Hazards; (c) shall not
infringe any third party's copyright, patent, trademark, trade secret or
other proprietary rights or rights of publicity or privacy; (d) shall not
be defamatory, libelous, unlawfully threatening or unlawfully harassing;
and (e) shall not create any liability for HFA or cause HFA to
lose (in whole or in part) the services of its Internet Service Provider(s)
or other suppliers. Users shall comply with all applicable laws, statutes,
ordinances and regulations regarding use of the Site.
8. RISK: INTERNET USE
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET.
YOU ACKNOWLEDGE AND AGREE THAT ANY UPLOADS OR TRANSMISSIONS YOU MAKE MAY
BE INTERCEPTED AND USED BY AN UNAUTHORIZED THIRD PARTY AND THAT ALL OF THE
RISK ASSOCIATED THEREWITH IS SOLELY YOURS.
9. NO WARRANTIES
HFA DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR
ENDORSEMENTS WHATSOEVER (INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE
OR NON-INFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SITE, THE CONTENT, ANY MERCHANDISE
PROVIDED THROUGH THE SITE OR ON THE INTERNET GENERALLY, AND HFA SHALL
NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY
FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE
RELIABILITY, ACCURACY, TIMELINESS, COMPLETENESS OR USEFULNESS OF ALL SERVICES
AND CONTENT PROVIDED THROUGH THE SITE OR ON THE INTERNET GENERALLY. HFA
DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT
DEFECTS IN THE SITE WILL BE CORRECTED. THE SITE AND THE CONTENT MADE AVAILABLE
ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
10. System Outages
HFA periodically schedules system downtime for maintenance and other purposes.
Unplanned system outages may also occur. HFA shall have no liability
whatsoever for the resulting unavailability of the Site or for any loss of
data or transactions caused by planned or unplanned system outages or the
resultant delay, misdelivery or nondelivery of information caused by such
system outages, or any third party acts or any other outages of web host
providers or the Internet infrastructure and network external to the Site.
11. Indemnification
You agree to indemnify, defend and hold HFA and its affiliates, officers,
directors, employees and agents harmless from and against any and all claims,
demands, actions, costs, liabilities, losses and damages of any kind (including
attorney's fees) resulting from (i) your use, misuse or abuse of the Site,
or (ii) your breach of any provision of this Agreement. You will cooperate
as fully as reasonably required in HFA's defense of any claim. HFA
reserves the right, at its own expense, to assume the exclusive defense and
control of any matter otherwise subject to indemnification by you, and you
shall not in any event settle any matter without the written consent of HFA.
12. Intellectual Property
The Content is the property of HFA and/or its affiliates or partners and
is protected by federal and international copyright and trademark laws or
other proprietary rights. These rights are protected in all forms, media
and technologies existing now or hereinafter developed. You may print and
download portions of material from the different areas of the Site solely
for your own non-commercial use. No portion of the Content may be reprinted,
republished, modified, or distributed in any form without the express written
permission of HFA. You may not, and this Agreement does not give you
permission to, reproduce, reverse engineer, decompile, disassemble, modify,
transmit, sell, distribute, license or create derivative works with respect
to the Site. Certain Content may be licensed from third parties and all such
third party Content and all intellectual property rights related to the Content
belong to the respective third parties. You may not remove any copyright,
trademark or other intellectual property or proprietary notice or legend
contained on the Site or the Content. Any rights not expressly granted by
this Agreement or any applicable end-user license agreements are reserved
by HFA.
13. Governing Law and Choice of Forum
This Agreement shall be governed by and construed in accordance with the laws
of the State of California, exclusive of its choice of law, rules and matters
affecting copyrights, trademarks and patents under United States federal
law.
You hereby irrevocably and unconditionally consent to submit to the exclusive
jurisdiction of the courts of the State of California and of the United States
of America located in the State of California for any litigation or disputes
arising out of or relating to use of the Site and not to commence any litigation
relating thereto except in such courts. You hereby irrevocably and unconditionally
waive any objection to the establishment of venue of any such litigation in
the California Courts and agree not to plead or claim in any California Court that
such litigation brought therein has been brought in an inconvenient forum.
14. International Users
HFA makes no claims that the Content is appropriate or may be downloaded
outside of the United States. Access to the Content may not be legal in certain
countries or for certain persons. If you access the Site from outside of
the United States, you do so at your own risk and are responsible for compliance
with the laws of your jurisdiction.
15. Severability
In the event that one or more portions of this Agreement shall, for any reason,
be held to be invalid, illegal or unenforceable in any respect, such validity,
illegality or unenforcability shall not affect any other provision contained
in this Agreement.
16. Headings
The headings used throughout this Agreement are solely for the convenience
of reference and are not to be used as an aid in the interpretation of this
Agreement.
17. No Waiver
Any delay or failure by you or HFA, at any time or times, to require performance
of any provision hereof shall in no manner affect your or HFA's right
at a later time to enforce such provision. No delay or failure of you or
HFA in exercising any right hereunder shall constitute a waiver of such
right or any other rights hereunder.
18. Entire Agreement, Updates and Modifications
This Agreement and any documents expressly incorporated by reference constitute
the entire agreement between HFA and you pertaining to the subject matter
hereof. In its sole discretion, HFA may unilaterally amend or modify
this Agreement or any other documents referenced herein at any time by posting
on the Site. Any amended or modified terms will be effective upon posting.
Continued use of the Site constitutes acceptance of any modified terms and
conditions. If you have any questions about this Agreement, please contact
HFA.
19. Assignment
You may not assign your rights or delegate your responsibilities hereunder
without the express written permission of HFA. HFA may, at any
time, assign its rights or delegate its obligations hereunder without notice
to you.
20. Third Party Beneficiary Rights
No person not a party to this Agreement is intended to be a beneficiary of
this Agreement, and no person not a party to this Agreement shall have any
right to enforce any term of this Agreement.
21. Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL HFA OR ANY OTHER PARTY INVOLVED IN CREATING,
PRODUCING, OR DISTRIBUTING THE SITE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,
SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES FOR LOSS OF PROFITS, GOOD WILL,
USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF HFA HAS BEEN ADVISED OF
THE POSSIBLITY OF SUCH DAMAGES) THAT RESULT FROM (I) THE USE OF OR INABILITY
TO USE THE SITE; (II) THE COST OF PROCUREMENT OF SUBSTITUTE MERCHANDISE AND
SERVICES RESULTING FROM ANY MERCHANDISE, DATA, CONTENT OR SERVICES PURCHASED
OR OBTAINED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SITE; (III)
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV)
STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE; OR (V) ANY OTHER MATTER
RELATING TO THE SITE. YOU HEREBY ACKNOWLEDGE THAT THIS PARAGRAPH SHALL APPLY
TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH THE SITE. BECAUSE
SOME STATES MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL
OR INCIDENTAL DAMAGES, IN SUCH STATES LIABILITY IS LIMITED TO THE FULLEST
EXTENT PERMITTED BY LAW.
22. Accurate Information
In consideration of your use of the Site, you agree to: (a) provide true, accurate,
and current and complete information as prompted on the Site; and (b) maintain
and update such information to keep it true, accurate, current and complete.
If you provide any information that is untrue, inaccurate, not current or
incomplete, or HFA has reasonable grounds to suspect that such information
is untrue, inaccurate, not current or incomplete, HFA may suspend or
terminate your use of the service and/or decline to permit your continued
use of the Site and future access to the Site.
23. Feedback
Should you respond to the Site by providing feedback, such as questions, requests,
opinions, comments, suggestions, ideas, or the like, such information shall
be deemed to be the property of HFA. HFA shall have no obligation
of any kind to the User with respect to such information and shall be free
to reproduce, use, disclose and distribute the information to others without
limitation and without license. HFA shall be free to use any ideas,
concepts, know-how or techniques contained in such information for any purpose
whatsoever.
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