Terms and Conditions

These Terms and Conditions of Use (these “Terms”) govern and control your access to, disclosure of, and use of the website truassure.com (this “Website”) and all forms of information hosted thereunder. These terms also apply to the primary domain of that website, all subdomains, and all other designations thereof, including all content displayed on this Website now or at any time in the future. These Terms bind you, your authorized users, heirs, devisees, beneficiaries, executors, successors and assigns (“you”) and shall inure to the benefit of TruAssure Insurance Company (“TruAssure”) and its successors and assigns. By visiting this Website you are accepting, without limitation or qualification, these Terms (as we may amend them from time to time in the future), and you acknowledge that any other agreement between you and TruAssure concerning the subject matter herein is superseded by these Terms and of no force or effect. If you visit this Website you accept these conditions. If you do not consent to these Terms, you should not utilize this Website in any manner whatsoever. If you have questions regarding these Terms, or feel that TruAssure is not abiding by these Terms, please contact us at compliance@truassure.com.

Access

You may access and use the Website solely to obtain information about TruAssure or, if you are insured by TruAssure, to view and submit information relating to you or your dependents, as expressly authorized by TruAssure, or to access other services provided or offered by TruAssure, including the member, provider and broker sections of the Website, as applicable. You agree not to access or use the Website for any other purpose including, without limitation, any purpose that is prohibited by these Terms or that is otherwise unlawful. You further agree to comply with all applicable U.S. and international laws, statutes, ordinances, regulations, contracts and applicable licenses regarding your use of the Website. TruAssure may, in its sole discretion, terminate or suspend your access to, and/or use of, the Website, or any portion thereof, at any time, with or without notice and for any reason (or no reason), and you agree that if your authorization to access the Website is terminated or suspended, you will not thereafter access, or attempt to access, the Website directly or indirectly, until TruAssure has expressly notified you that you are authorized to have such access.

Restricted Area

Certain portions of the Website may be accessible only to users that register to use those portions of the Website (“Registered Users”). Unauthorized use of the restricted portions of the Website (“Restricted Area”), including, but not limited to, unauthorized entry into the Restricted Area, misuse of usernames or passwords, access of the Restricted Area beyond the scope of your authorization, or misuse of any access information or information contained in the Restricted Area, is strictly prohibited. You may not attempt to gain unauthorized access to, or to permit any third party to access any portion of, the Restricted Area or any TruAssure computer system or network, through hacking, password mining or any other means. If you register or are registered to use the Restricted Area, you will choose or be issued a username and password and, once you have a username and password, you will be considered a Registered User and issued an account to use the Website. However, we may terminate your status as a Registered User for any reason (or no reason) with or without notice to you, and you agree not to access the Restricted Area at any time after we give you notice of such termination.

Password

If you are issued a username and password, you may not authorize any third party to access and/or use your username, password, or account on your behalf, except as specifically authorized by TruAssure. Accordingly, you agree to protect your username and password by, among other things, keeping your username and password confidential. You agree not to provide your username, password, or account information to any third party. You agree to notify us immediately of any suspicious or unauthorized use of your username, password, or account. If you fail to comply with the foregoing obligations, you will be held fully responsible for all activities conducted using your username, password, or account.

Privacy - Generally

If you register or are registered to use the Restricted Area you may be asked to enter personal information such as email address, name, address, and phone number (“Personally Identifiable Information”). Personally Identifiable Information is collected both to confirm each registrant is unique and to give TruAssure the information required to contact you as needed. TruAssure may use your Personally Identifiable Information internally as needed to evaluate and improve the Website and the services provided by TruAssure. TruAssure may use your Personally Identifiable Information to evaluate your eligibility for certain types of offers, products or services that may be of interest to you, to inform you of offers, products and services, and to analyze advertising effectiveness. TruAssure may also use your Personally Identifiable Information as directed by you. When necessary, TruAssure may provide your Personally Identifiable Information to approved vendors for their use in assisting us with the maintenance and operation of the Website. TruAssure may also disclose Personally Identifiable Information about you if we have a good faith belief that we are required to do so by law or legal process, to respond to claims, or to protect the rights, property or safety of TruAssure or others. TruAssure employs commercially reasonable security measures consistent with standard industry practice to safeguard your Personally Identifiable Information and other information collected through the Website. We have also established internal policies and procedures to limit access to your Personally Identifiable Information to only those employees who need the information to perform a specific job.

Privacy - Protected Health Information

We are required to protect certain information under the standards of the Health Insurance Portability and Accountability Act or the Health Information Technology for Economic and Clinical Health Act (collectively, “HIPAA Protected Health Information”). We use, disclose, and protect such HIPAA Protected Health Information in accordance with our Notice of Privacy Practices. Please review our Notice of Privacy Practices (which is attached at the end of these Terms and Conditions), which also governs your visit to the Website to the extent applicable, to understand our practices.

Privacy – Financial Information

How We Collect Personal Financial Information: We collect, retain and use certain types of personal financial information in connection with administering benefit programs. We may collect information from the following sources:

  • Information we may obtain during the application or enrollment process, such as the enrollee’s name, address, bank information, credit card information and social security number;
  • Information we obtain from third parties, such as claim records and similar information;
  • Information about transactions and experience, such as the enrollee’s claims history and premium payment records;
  • Information we obtain through Internet technology, such as information provided to us via on line forms that enrollees complete and information we receive when enrollees visit our Website.

How We Share Personal Financial Information: We treat all personal financial information as confidential. We will not disclose personal financial information concerning any person covered under our dental benefit programs to third parties not affiliated with TruAssure Insurance Company or its affiliated companies except as necessary to administer claims in the ordinary course of our business, or where such disclosure has been authorized by the enrollee, or as otherwise permitted or required by law.

Aside from any information that is covered by our Privacy Policy (see above), any other information or material that you post to the Website will be considered non-confidential and non-proprietary. TruAssure shall have no obligation with regard to such material. TruAssure shall be free to copy, disclose, distribute, incorporate, make derivative works from, and use this material and all things embedded in it for its own commercial and non-commercial purposes.

Cookies

The Website may also use “cookies” in certain areas to collect information. A “cookie” is a very small piece of information that tells our site that you have visited previously. The Website will send the “cookie” file to your browser. If your browser is set to accept cookies, the “cookie” will be stored as a file on your computer’s hard drive, taking up less than 200 bytes of disk space. The “cookie” acts like an identity card each time you visit our site. Only the Website can read the “cookie”; we cannot read “cookies” sent by other websites. We automatically track certain information based upon your behavior on the Website. This information about your behavior on the site is used by us so that we may provide better services.

You may set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being sent by us. However, it's important to remember that many of our services may not function properly if your cookies are disabled. For example, we may not remember your language preferences.

You may set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being sent by us. However, it's important to remember that many of our services may not function properly if your cookies are disabled. For example, we may not remember your language preferences.

You may manage how your browser handles cookies by adjusting its privacy and security settings. Browsers are different, so refer to instructions related to your browser to learn about cookie-related and other privacy and security settings that may be available. You can opt-out of being targeted by certain Third-Party Ad-Servers, such as Google and other third parties that provide the technology to place ads on websites and track ad performance, online using the National Advertising Initiative’s Opt-Out Tool or on TRUSTe’s site.

Children’s Issues

No TruAssure website is directed to children under 13 years of age, and children under 13 years of age shall not use the Website to submit any Personally Identifiable Information about themselves.

Electronic Communications

When you visit the Website or send e-mails to TruAssure, you are communicating with TruAssure electronically. In so doing, you consent to receive communications from TruAssure electronically, whether by e-mail or by posting notices on the Website. By accessing the Website and/or utilizing any of its features, you thereby agree and acknowledge that all agreements, notices, disclosures and other communications that are provided to you electronically satisfy any legal requirement that such communications be in writing. TruAssure will have no liability for disclosure of your Personally Identifiable Information due to errors or unauthorized acts of third parties during transmission.

Risk; Limitation of Liability

Your use of the Website is at your own risk. Neither TruAssure nor any other party involved in creating, producing or delivering this Website is liable for any direct, indirect, incidental, consequential, special, punitive or other damages whatsoever arising out of your access to or use of, this Website even if TruAssure has been advised of the possibility of such damages. Without limiting the foregoing, YOU EXPRESSLY UNDERSTAND AND AGREE THAT (A) THE WEBSITE AND ALL THE CONTENTS THEREIN ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, (B) TRUASSURE, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY AND NON-INFRINGEMENT OF PROPRIETARY OR THIRD PARTY RIGHTS, (C) TRUASSURE MAKES NO WARRANTIES ABOUT THE ACCURACY, INTEGRITY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE WEBSITE OR ANY ADVICE, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS WEBSITE, (D) TRUASSURE DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE OR ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ITEMS. IF YOUR USE OF THE WEBSITE OR THE CONTENTS THEREOF RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, TRUASSURE IS NOT RESPONSIBLE FOR THOSE COSTS.

TruAssure also assumes no responsibility and shall not be liable for any damage to or viruses that may infect your computer equipment or other property, or for any loss or corruption of data on account of your access to, use of or browsing of the Website. In no event shall TruAssure’s total liability to you for all damages, losses and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you to TruAssure, whether or not any such amounts are actually paid, for accessing the Website or any of the content thereon.

Links to Other Sites

The Website may feature various links to HTML, scripts, graphics, images, video and audio, databases or other media assets, websites, content, or other files not hosted or operated by TruAssure (each, a “Third Party Site”), and all such links are provided solely as a convenience to you. TruAssure has not reviewed any Third Party Site and does not control and is not responsible for any Third Party Site or its content. Notwithstanding any content on the Website indicative of the contrary, TruAssure makes no endorsement of or representation about any Third Party Site, or any information, software, or other products or materials found there, or any results that may be obtained from using them. If you decide to access any Third Party Site linked to in the Website, you do so entirely at your own risk. TruAssure assumes no responsibility for the privacy, terms of use or other policies of any Third Party Site. TruAssure recommends that you review any Third Party Site’s privacy policies before submitting any information. TruAssure assumes no responsibility and shall not be liable for any damage to or viruses that may infect your computer equipment or other property, or for any loss or corruption of data resulting from any Third Party Site navigated to or accessed from links hosted on or contained in the Website.

TruAssure does not guarantee that you will receive an alert when you leave the Website, and it is your responsibility to determine when you have left the Website.

Links to Website

Anyone linking to the Website must comply with all applicable laws, the following guidelines and this Policy. A Third Party Site may link to the Website, but may not replicate any content contained therein. In addition, any Third Party Site that links to the Website may not:

  • create a border or browser environment around Website content
  • imply that TruAssure is endorsing it or its products,
  • misrepresent its relationship with TruAssure
  • present false information about TruAssure, its products or services
  • use the TruAssure logo or name or phrase without prior written permission from TruAssure, or
  • contain illegal content, or content that could be construed as distasteful, offensive or controversial and should only contain content that is appropriate for all age groups.

Copyright Statement

All content included on this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, passwords, and software, is the property of TruAssure. or its parents, affiliates, subsidiaries, third-party content providers, or licensors and protected by United States and international copyright laws. The compilation of all content on this Website is the exclusive property of TruAssure and protected by the United States and international copyright laws. All software used on this website is the property of TruAssure or its software suppliers and protected by United States and international copyright law. You expressly agree not to reproduce, duplicate, copy, sell, resell, make derivative works, or exploit for any commercial purposes, any portion of this Website or connected TruAssure websites or content, products or services made available via those sites.

Notice and Procedure for Making Claims of Copyright Infringement: It is TruAssure’s policy to respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (the text of which can be found at the U.S. Copyright Office website: http://www.copyright.gov/) and other applicable intellectual property laws, which may include removing or disabling access to material claimed to be the subject of infringing activity.

For purposes of this notice and procedure section, TruAssure will hereinafter be referred to as "Service Provider." The party alleging that a copyright he owns, or over which he has authority to act, will be referred to as the "Complaining Party." A "Subscriber" is a visitor, user, member, or account holder of Service Provider's website, network, or system.

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider's Designated Agent. If you do not follow these procedures, Service Provider is not obligated to remove the information. THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING SERVICE PROVIDER THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES, SUCH AS REQUESTS FOR TECHNICAL ASSISTANCE, REPORTS OF EMAIL ABUSE, AND PIRACY REPORTS, WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Where to Direct Notification: compliance@truassure.com, or Compliance Department, TruAssure, 111 Shuman Blvd, Naperville, IL 60563.

What Notification Must Include: To be effective, the Notification must include the following:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  3. Specific identification of all of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Service Provider to locate all of the material;
  4. Information reasonably sufficient to permit Service Provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
  5. A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please note that you may be liable for damages (including costs and attorneys' fees) if you materially misrepresent that any material on Service Provider's website, system, or network is infringing your copyrights. If you are not sure whether material available online infringes your copyright, we suggest that you first contact an attorney.

Service Provider's Responsibilities Upon Receipt of Notice: Upon receipt of the written Notification containing the information as outlined in 1 through 6 above:

  1. Service Provider shall remove or disable access to the material that is alleged to be infringing;
  2. Service Provider shall forward the written notification to such alleged infringer ("Subscriber");
  3. Service Provider shall take reasonable steps to promptly notify the Subscriber that it has removed or disabled access to the material.

Rights of the Subscriber: A Subscriber whose material has been removed or disabled as a result of a §512(c) notice may challenge the claims of infringement made by the alleged copyright owner by providing Counter Notification to Service Provider.

Counter Notification: To be effective, a Counter Notification must be a written communication provided to the Service Provider's Designated Agent that includes substantially the following:

  1. A physical or electronic signature of the Subscriber;
  2. Specific identification of all of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  3. A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled;
  4. The Subscriber's name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber's address is outside of the United States, for any judicial district in which the Service Provider may be found, and that the Subscriber will accept service of process from the person who provided notification or an agent of such person.

Service Provider's Responsibilities Upon Receipt of Counter Notice:

  1. Service Provider shall take reasonable steps to promptly notify Subscriber that Service Provider has removed or disabled access to material provided by Subscriber;
  2. Service Provider shall promptly provide the Complaining Party with a copy of the Counter Notification;
  3. Service Provider shall inform the Complaining Party that it will replace the removed material or cease disabling access to it in ten (10) business days;
  4. Service Provider shall replace the removed material or cease disabling access to the material not less than ten (10), no more than fourteen (14) business days following receipt of the Counter Notification, provided Service Provider's Designated Agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain Subscriber from engaging in infringing activity relating to the material on Service Provider's network or system.

Subscriber Account Termination due to Repeat Offenses: Service Provider reserves the right to suspend, disable (temporarily or permanently), terminate, or delete Subscriber accounts or access for repeated offenses involving copyright infringement on Service Provider's website, system, or network.

Trademark Statement

TruAssure Insurance Company, the design mark TruAssure and other graphics, designs, logos, page headers, button icons, scripts, trade names, and service names are trademarks, registered trademarks or trade dress of TruAssure., its parents, affiliates, sponsors, or subsidiaries in the United States and/or other countries. TruAssure 's trademarks, service marks, trade names, service names, and trade dress may not be used in connection with any product or service that is not TruAssure, its parents, subsidiaries, sponsors or affiliated companies, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits TruAssure, its parents, sponsors, affiliates, or subsidiaries. All other trademarks, service marks, trade names or service names not owned by TruAssure, its parents, sponsors, affiliates or subsidiaries that appear on this Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by TruAssure, its parents, sponsors, affiliates or subsidiaries.

Governing Law and Jurisdiction

TruAssure operates the Website within the United States of America, and this Policy is governed by the laws of the United States of America and the State of Illinois, without giving effect to the conflict of law provisions thereof and expressly excluding any application of the United Nations Convention on Contracts for the International Sale of Goods. You agree that any legal action arising from or relating in any way to the Website will be brought exclusively in the Federal or State courts located in DuPage County, Illinois, and you irrevocably agree to submit to the jurisdiction of such courts. Further, you agree to indemnify, defend and hold harmless TruAssure and its agents and affiliates against any claim, liability, expense or damages arising from or relating to your use of the Website. If any provision of this Policy shall be deemed unlawful, void, or for any other reason unenforceable, then that provision shall be deemed severable from the remainder of the Policy and shall not affect the validity and enforceability of any remaining provisions.

Changes in this Policy

TruAssure reserves the right to change, amend, adjust, add to or delete from this Policy as stated here from time to time, as necessary and without notice. TruAssure advises that you check the Website frequently to obtain updates, and you expressly agree to be bound by any such updates.