INDIVIDUAL ACCESS & CONFIDENTIALITY

I understand that the confidentiality of individually identifiable health information is protected by federal and state law. I represent to CBC Benefit & Insurance Services that I am either (i) the individual to whom this account pertains, or (ii) legally authorized under applicable law to receive health care information regarding, and to make health care decisions for, the individual to whom this account pertains (for example, as the parent, legal guardian or legal custodian of such individual).

LIMITATIONS OF LIABILITY

Under no circumstances, including, but not limited to, negligence, shall CBC or any of its related, affiliated companies (Custom Benefit Consultants, Inc.) be liable for any direct, indirect, incidental, special, consequential or punitive damages that result from the use of, or the inability to use the material on this site. You specifically acknowledge and agree that CBC is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any of this site, or with any of CBC's terms and conditions, your sole and exclusive remedy is to discontinue using this site.
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ONLINE PRIVACY

CBC is respectful of the privacy concerns of all visitors to its sites, whether or not via the Internet. As a general policy, no personal information is automatically collected from visitors to its sites. However, certain non-personal visitor information is recorded by the standard operation of CBC's servers. This information is primarily used to provide an enhanced on-line experience for the visitor. Information tracked includes the type of browser being used by the visitor (e.g., Netscape, Internet Explorer), the type of operating system (e.g., Macintosh, Windows) being used by the visitor and the domain name of the visitor's Internet service provider (e.g., America On-line, Netcom). By having this information, CBC is able to optimize its web pages automatically for each particular visitor. Other uses of this information include tracking the number of visitors to the sites; visitors are tracked only in an aggregate and non-personally-identifiable form. E-mail addresses and other personally identifiable data about visitors to this site are known to CBC only when voluntarily submitted by the visitor. Personally identifiable information may be collected as a result of a visitor voluntarily providing feedback , quoting, or enrolling. This information is retained by CBC and not sold or otherwise transferred outside the company. This information is used to support transactions made on the site.

CBC sometimes uses e-mail addresses and other personally identifiable information to contact visitors who communicate with us. For example, CBC e-mails participants that have not completed the enrollment process and need a reminder to complete for their effective date.

USE OF COOKIES

What are cookies? Cookies are pieces of information that a website transfers to an individual's computer for record-keeping purposes. Cookies make web surfing easier. The use of cookies is a standard industry practice that is used by many major Internet websites. By showing how and when visitors to a website use it, cookies help us see which areas are popular and which are not. Many improvements and updates to a website are based on information that is most easily tracked with cookies.

EXAMPLES OF HOW CBC USES COOKIES

A cookie lets CBC's computers remember that you've registered, which allows CBC to speed up your future activities at CBC sites. Similarly, CBC uses temporary cookies to help you navigate through some of the database driven areas of this site. Once you leave the website, these cookies will expire. If you decline to use cookies, you may have difficulty navigating through some parts of the website.
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HOW CBC DOES NOT USE COOKIES

CBC never uses cookies to retrieve information from your computer that was not originally sent in a cookie. Except as described below, CBC does not use information transferred through cookies for any promotional or marketing purposes, nor is that information shared with any third parties whatsoever. CBC does not use cookies to identify specific individuals, except in such cases as private subscriber areas of the website.

The use of advertising cookies sent by unrelated parties is standard in the Internet industry. CBC does not control these cookies and they are not subject to our policies.

Most browsers are initially set to accept cookies. If you'd prefer, you can set yours to refuse cookies or to alert you when cookies are being sent. However, it is possible that some parts of the site will not function properly if you do so.

By using this site, you signify your assent to these Terms of Use. If you do not agree to these Terms of Use, please do not use the site. CBC reserves the right, at CBC's discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Please check this page periodically for changes. Your continued use of a CBC website following the posting of changes to these Terms of Use will mean that you accept those changes. You can send e-mail to CBC with any further questions to service@cbcvip.com.

YOUR E-MAIL

We welcome your comments or questions about our website and have provided e-mail boxes for that purpose. We may share your comments and questions with our customer service representatives and those employees, contractors and/or agents most capable of addressing your questions and concerns. After your message has been received, it may be discarded or archived, depending on the nature of the communication.

Your email, like most (if not all) non-encrypted internet e-mail communications, may be accessed and viewed by unauthorized individuals without your knowledge and permission while in transit to us. Unless otherwise noted, the e-mail functionality on our site does not provide a secure and confidential means of communication. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider to be private. If you wish, you may contact us via non-cellular telephone at the number provided at various locations on our site.

There are some locations on our site where we have made special provisions for a more secure environment in which we can exchange information with you. Depending upon the browser you are using, you may be able to identify when a secure communication link has been established. For example, Microsoft Internet Explorer displays a padlock icon near the lower right hand corner of the screen when internet encryption is active. You may consult your browser's Help function for more information regarding secure encrypted internet communications

NOT A SUBSTITUTE FOR PROFESSIONAL HEALTH CARE OR ADVICE

The information contained in this site is general in nature and is intended for educational purposes only. It is not a substitute for the advice of health care professionals. If you have specific health care needs, or for complete health information, please see a doctor or other health care provider.
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JURISDICTION

Except as described otherwise, all materials in this site is made available only to provide information about CBC and the Costco Individual and Family Health Insurance Program. CBC controls and operates this site from its headquarters in Rancho Santa Margarita, California, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws.

DISCLAIMER

CBC MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE CONTENT ON THIS SITE AND CBC ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT ON THE SITE.

THE MATERIAL IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FURTHER, CBC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL COMPONENTS. CBC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF, OR THE RESULTS OF THE USE OF, THE MATERIALS ON THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. YOU (AND NOT CBC) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION.

CBC HAS PROVIDED LINKS AND POINTERS TO INTERNET SITES MAINTAINED BY THIRD PARTIES ("THIRD PARTY SITES") AND MAY FROM TIME TO TIME PROVIDE THIRD PARTY MATERIALS ON THIS SITE. NEITHER CBC NOR ITS RELATED, AFFILIATED COMPANIES OPERATE OR CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS OR SERVICES ON THESE THIRD PARTY SITES. THE THIRD PARTY MATERIALS ON THIS SITE AND THE THIRD PARTY SITES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CBC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS, AND NON-INFRINGEMENT. CBC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF, OR THE RESULTS OF THE USE OF, THE THIRD PARTY MATERIALS ON THE THIRD PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. YOU (AND NOT CBC) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION.

PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THE EXCLUSION OF IMPLIED WARRANTIES.

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