Terms & Conditions
Consent to Electronic Communications
When you visit IlluminatedBenefits.com, or send electronic communications (email) to us, you consent to also receive communications from us electronically. Electronic communications from us may be sent to you via email or be posted on our website. You agree that all notices, disclosures, documents, agreements and other communications that we provide to you electronically satisfy any legal requirement that such documents and/or communications be “in writing”.
Intellectual Property Rights
All content contained on this site, including but not limited to graphics, text, logos, audio clips, digital downloads, and software, is the property of Illuminated Benefits and its affiliates, or its content suppliers, and is protected by United States and international copyright and trademark laws.
Site Access/License
Illuminated Benefits grants you a limited license to access and make personal use of this site and not to download or modify it, or any portion of it, except with express written consent of Illuminated Benefits
Accuracy of Information
Illuminated Benefits, its subsidiaries, and its affiliates attempt to be as accurate as possible with the content included on this website. However, neither Illuminated Benefits, its subsidiaries, nor its affiliates guaranty or warrant that the content of this site is accurate, complete, reliable, current, or error-free.
General Disclaimer
All Material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, we do not warrant that access to this Web site or any of its pages will be uninterrupted or error free. Illuminated Benefits does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this Web site. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.
Limitation of Liability
You agree by accessing this Web site that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will the hospital be liable for damages of any kind occurring from the use of this Web site or any information, goods or services obtained on this Web site including direct, indirect, consequential, incidental, or punitive damages (even if the hospital has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.
Choice of Law
By visiting this website, you agree that the laws of the state of Utah, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Illuminated Benefits, its subsidiaries, or its affiliates.
Arbitration of Disputes
With the exception of any violation or infringement of intellectual property rights of Illuminated Benefits, all dispute relating in any way to your visit to this website shall be submitted to binding arbitration in Salt Lake County, Utah. For violation with respect to intellectual property rights Illuminated Benefits and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the state of Utah, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the Utah Uniform Arbitration Act. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction.
Site Policies and Modification
Our Privacy Policy Notice, also governs your visit to this website and affiliated websites. For a detailed description of our privacy practices please review the Policy. We reserve the right to make changes to our site, policies, and these Conditions of Use at any time.
Severability of Provisions
If any of these provisions, conditions or terms contained herein shall be deemed invalid, void, or for any reason unenforceable, that provision, condition or term shall be deemed severable and shall not affect the validity and enforceability of any remaining provision, condition or term.
Third Party Disclosures
Information about our customers is integral to our business. We are cognizant of the value of your personal information, and of your privacy, and we do not sell your personal information to others. We share customer information only as described below and with subsidiaries or affiliates of Illuminated Benefits that either are specifically bound by our Privacy Policy Notice or follow practices equally as protective as those set forth in this Privacy Policy Notice.
We may disclose nonpublic personal information about you, such as we have described above, to insurance companies, general agencies, and other insurance-related entities that perform marketing services on our behalf or with whom we have joint marketing agreements.
We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.
Restriction of Access to Confidential Personal Information
We restrict access to your Confidential Personal Information and permit disclosure only to individuals and entities as permitted and/or required by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your Confidential Personal Information.