Terms and Conditions of Use

By using this website ("Website"), you agree to the following terms and conditions, which may be modified from time to time without prior notice ("Terms and Conditions"), and to periodically review them for any modifications. If at any time you disagree with any of the Terms and Conditions, you may not use this Website. Any reference in this document to "we" "us" or "our" is to Luminare Health Benefits.

Use of This Website

The use of this Website, including all health information and other nonpublic personal information obtained or provided through this Website ("Nonpublic Personal Information"), is for informational purposes only and limited only to those persons or entities authorized or otherwise entitled to have it.

Scope and Authority of Use

You represent to us that: (i) you have the proper authority to use this Website on behalf of yourself, any organization you represent, and/or any other person or entity you represent; and (ii) you will not access, use or disclose, or permit or enable others to access, use or disclose, any information obtained from this Website in any manner that may be unauthorized, unlawful, or beyond the specific purpose for which such information is made available.

Confidentiality and User Authentication

Except as pursuant to proper consents or authorizations, all Nonpublic Personal Information is strictly confidential. You acknowledge that through this Website, you may be able to view, send and/or receive confidential medical information (including, but not limited to, medical conditions, eligibility for coverage, health history, medical claims, payments and/or treatments) and other Nonpublic Personal Information for yourself or others as to whom you have proper authority. You agree to maintain the security and privacy of all such information and other Nonpublic Personal Information (including any copies thereof), and to use the information solely for purposes directly relating to, and to the minimum extent necessary for, medical treatment, payment, communications with us, and other health care operations in connection with the group health plan(s) that we service.

In order to access that portion of the Website containing Nonpublic Personal Information, we require all users to login with their user ID, password, or other information intended to authenticate the identity or authority of the user based on the registration information we have on file. We strongly suggest that you maintain the user login information in strict confidence. You agree that you will be solely responsible for any loss or damages resulting directly or indirectly from access to Nonpublic Personal Information using your login information that has been lost, stolen, misplaced, sold, borrowed, improperly disclosed or maintained, or mishandled in any other manner. If you believe that the confidentiality of your login information may have been compromised in any way, you agree to immediately contact us to obtain new login information.

Contents of This Website

The contents of this Website are for informational purposes only and do not constitute medical, legal or financial advice, or offer of any insurance coverage. We do not provide health care services and, therefore, nothing in this Website is intended to suggest, recommend, guarantee or endorse any medical results or outcomes. While we make reasonable efforts to include information that is accurate and up-to-date, we do not warrant that the information and functions contained in this Website will at all times be complete, current, error-free and without interruption or defects. From time to time and without prior notice, the Website may be subject to maintenance, update or repair, and access may be limited or unavailable during such times. 

Notwithstanding any information obtained from this Website, the terms of your group health plan or insurance policy will govern your eligibility for any insurance benefits. The information accessed from or sent to this Website will not constitute an amendment of any insurance policy or group health plan document.

Health Care Providers

Physicians, hospitals and other health care providers with access to the Website are not our agents or employees for any purpose.

Products and Services Offerings

"Luminare Health" is the brand name used for products and services provided by Luminare Health Benefits.

The product and/or services descriptions, if any, provided on this site are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable regulation areas and in many instances may be offered only through employers or other plan sponsors. Specific products may not be available in both self-funded and insured forms.

Covered services and preferred benefits are provided under the terms of the applicable plan contract, including limitations and exclusions.

Anyone interested in a particular product should contact their local Luminare Health representative to determine whether the product and/or service is available in their jurisdiction, and to request a copy of the applicable policy or prospectus for a complete description of the product and/or service in question.

Trademarks

The “Luminare Health” name and logo, and all other trademarks, service marks, trade names, logos, domain names, URLs and icons ("Marks") appearing on this Website, registered or not, are the property of Luminare Health or their respective owners. Nothing on this Website grants you any right or license to use any of the Marks on this site without the express written permission of Luminare Health or the third party owners of the Marks. Unauthorized use may violate trademark and other laws.

Links to Other Sites

This Website may contain hyperlinks to third party websites that are not under the control of Luminare Health.  Luminare Health is not responsible for any content in any advertisement or hyperlink on this Website or for any content in any hyperlinked website. If you access a third party website from this Website, then you do so at your own risk. A hyperlink to a third party website does not imply that Luminare Health endorses the content on or the business of the hyperlinked website. You are solely responsible for determining the integrity and reliability of the information in the advertisement or hyperlink on this Website as well as the information on the hyperlinked website.  Luminare Health provides hyperlinks only as a convenience. 

Disclaimer and Limitations of Liability

THE CONTENTS OF THIS WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE," AND THE USE OF THIS WEBSITE IS AT THE USER'S OWN RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, (I) WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE RELATING TO ANY MATTER IN CONNECTION WITH THIS WEBSITE; AND (II) IN NO EVENT SHALL ANY AGENTS, EMPLOYEES, DIRECTORS, OR OFFICERS OF LUMINARE HEALTH BENFITS FOR ANY DAMAGES OF ANY KIND CAUSED TO ANY PERSON OR ENTITY AS A CONSEQUENCE OF THE USE OR ATTEMPTED USE OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO, ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, OR BASED UPON ANY THEORY OF LIABILITY, INCLUDING DETRIMENTAL RELIANCE, ARISING OUT OF OR IN CONNECTION WITH THE EXISTENCE, USE, ATTEMPTED USE, OR PERFORMANCE OF THIS WEBSITE OR ANY INFORMATION THEREIN CONTAINED OR OMITTED.

Termination

Luminare Health, in its sole discretion, reserves the right to terminate this Agreement and your access to this Website at any time and without notice to you. You may terminate this Agreement by providing us written notice of such termination and discontinuing your access or use of our Website. All provisions of this Agreement, which, by their nature survive, shall survive any termination.

Ownership of the Website

This Website, and its entire contents, features, and functionality including but not limited to all information, text, artwork, designs, graphics, software, page headers, logos, button icons, images, audio clips, video clips, digital downloads, prices, product descriptions, data compilations, scripts, trade names, service names, trade dress, and the design, selection, and arrangement thereof (collectively, “Content”), is the property of Luminare Health (or its licensors) and is protected by applicable intellectual property laws. The Website Content is licensed, not sold, to you. You may utilize the Content only as permitted by these Terms. You may not, and will not permit any other party to: (1) modify, adapt, alter, translate or create derivative works of the Content; (2) use or merge the Content, or any component or element thereof, with other software, databases or services not provided by Luminare Health; (3) sublicense, distribute, sell or otherwise transfer the Content to any third party; (4) use the Content as a service bureau, or lease, rent or loan the Content to any third party; (5) reverse engineer, decompile, disassemble or otherwise attempt to derive the source code or structure of the Content; (6) interfere in any manner with the operation of the Content; (7) circumvent, or attempt to circumvent, any electronic protection measures in place to regulate or control access to the Content; (8) create a database by systematically downloading and storing the Content; (9) use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, "scrape," "data mine" or in any way gather the Content or reproduce or circumvent the navigational structure or presentation of the Content without our express prior written consent; or (10) use the Content for any commercial purposes. You agree not to develop, distribute or sell any software or other functionality capable of launching, being launched from or otherwise integrated with the Content. You may not remove, alter or obscure any copyright notice or any other proprietary notice that appears on or in the Content.

Indemnification

You agree to indemnify and hold harmless Luminare Health from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of any information you submit, post to or transmit to us through this Website, your use of the Website, your connection to the Website, your violation of the Terms and Conditions, or your violation of any rights of another user.

Governing Law and Severability

Except to the extent preempted by federal law, the applicable laws of the State of Illinois will govern the interpretation, validity and effect of all provisions of this Agreement, without giving effect to any principles of conflicts of law. If a court determines that any provision herein is illegal or unenforceable, then such provision will be eliminated and the remaining provisions will remain in force and effect.

Contacts

If you have any questions regarding the above, or would like to notify us for any reason, please click here to send questions or comments to us.