Electronic Services and Document Delivery Agreement
At Independent Health we give you the ability to transact business with us electronically. This includes, but is not limited to, transacting business online at web sites, your use of the IHA ePAY Portal website is governed by this Agreement. This Electronic Services and Document Delivery Agreement (the “Agreement”) is a legally binding agreement between you and Independent Health. You may print or electronically save a copy of this Agreement to retain for your records. If you wish to transact business with Independent Health, please carefully review and consent to the terms listed below.
Establishing an Online Account
Your Security
Your Consent to Use Electronic Signatures and Receive Electronic Documents
Your Consent to Use Electronic Signatures
Your Consent to Receive Covered Documents Electronically
Your Right to Revoke Your Consent at Any Time
Your Right to Obtain Paper Copies
System Requirements
Enrollment with Our Equipment
State Specific Provisions For Help When You Need It
Disclaimer of Warranties
Legal Effect
Establishing an Online Account
You understand that by accepting this Agreement, you authorize Independent Health to establish an online account for you with the access capability and privileges to manage your Independent Health accounts, policies, or other products sold or provided by Independent Health and perform financial transactions as available. You represent that you are the person registered as the owner of this online account and you acknowledge that you are the only person permitted to use your unique username and password to access your online account. You represent that you have authority to give instructions and authorize transactions with respect to your Independent Health products, including general authority over changes to your personal information, movement of funds, contract changes, purchase of products or services, changes to your current or past product or service, or any other online transaction facilitated or permitted by the use of an Independent Health Website. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or users identified with your Independent Health products to perform the above listed transactions. You understand that by consenting to this Agreement, Independent Health has full authorization from you to rely and act upon any instructions received from you without further inquiry.
Independent Health is not responsible for errors or failures caused by any malfunction of your computer, browser, or software. Independent Health is also not responsible for computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of email notices.
Although there is no charge for the services covered by this Agreement, there may be costs associated with electronic access to the documents, such as usage charges from internet service providers and telephone companies. These costs are your responsibility.
Independent Health reserves the right to modify or discontinue the services covered by this Agreement or modify the terms of this Agreement at any time and for any reason. You understand and agree that your continued use or access of Independent Health’s electronic services after any modifications are made to this Agreement signifies your acceptance of the updated or modified Agreement. We will notify you of material changes to this Agreement by either sending a notice to the email address you provide to us or by posting a notice on an Independent Health Website. Be sure to return to the Independent Health Websites periodically to review the most current version of this Agreement.
Your Security
To prevent misuse of your online account, you agree to protect the confidentiality of and be solely responsible for the use of your username, password, and other authentication or security measures as required by Independent Health. If you suspect that your information has been compromised, you agree to immediately contact Independent Health. You should never provide your Independent Health.com username, password or other authentication or security measure to anyone else. If you choose to do so, you understand that you are authorizing that person or entity to conduct transactions using your online account. You are responsible for any resulting transactions. You may not obtain or attempt to obtain unauthorized access to the Independent Health Websites, or to any other protected materials or information, through any means not intentionally made available by Independent Health for your specific use.
Your Consent to Use Electronic Signatures and Receive Electronic Documents
One way that we transact business online is by allowing you to opt-in for the electronic delivery of specific documents. As part of transacting business with us, some information is required to be delivered to you “in writing.” This generally means that you are entitled to receive it on paper. However, with your consent, we may provide this information to you electronically by delivering it to your account on an Independent Health Website or by delivering it to your email address (“Electronic Delivery”). We also need your prior consent in order to use your electronic signature in lieu of using your “wet” traditional written signature.
Your Consent to Receive Covered Documents Electronically
You consent to receive the following documents that may arise during your relationship with Independent Health (collectively, the “Covered Documents”) electronically through your account on an Independent Health Website or your email address, instead of in paper format through U.S. Mail:
· Account Related Documents including, but not limited to, insurance applications and application materials, policy documents, disclosures, policy-related notices (e.g., notice of renewal), prospectuses, statements, and other documents as permitted by law.
· Billing Documents including, but not limited to, bills, billing statements, payment receipts, disclosures, notices and other documents as permitted by law;
· Information applicable to your use of Independent Health Websites such as quotes, claims documents, updates, notifications, transaction receipts, documents requiring your signature, information that you request, or any other documents related to your use of Independent Health Websites; and
· Any other documents permitted or required by law.
Your consent does not mean that Independent Health must provide the Covered Documents electronically, as some Covered Documents may not be available for electronic delivery. Independent Health may, at its discretion, provide the Covered Documents through non-electronic means.
Your consent for Independent Health to use your electronic signature and to receive the Covered Documents electronically applies to all Independent Health products you currently own and all products you may purchase from Independent Health in the future and continues after a policy modification or renewal. Your consent to receive documents electronically does not mean that all Covered Documents will be delivered to you electronically. You may have to take additional steps on Independent Health Websites to activate Electronic Delivery for specific documents.
Covered Documents will not be available online indefinitely. Please save the documents to your computer or print them off to retain copies for your records.
Your Right to Revoke Your Consent at Any Time
If you would like to change the delivery method for certain types of documents or accounts, this may be done by changing your delivery preferences on the applicable Independent Health Website. Changing your delivery preferences does NOT revoke your consent to receive all documents electronically, nor does it revoke your consent to any other part of this Agreement.
However, if you would like to revoke your consent to receive ALL Covered Documents electronically, you may only do so by changing your preferences on your online account. This may be done by calling Independent Health at (716) 631-8072 and requesting your online accounts be deleted. Revoking your consent to the Electronic Delivery of the Covered Documents will terminate all of your online accounts on Independent Health Websites, but will not terminate your relationship with Independent Health unless additional notice is given. The revocation of your consent will take effect within a reasonable time of the Independent Health Service Center receiving your email or as otherwise required by law.
Your Right to Obtain Paper Copies
You may obtain paper copies of the Covered Documents at no additional cost. To request paper copies please contact the Independent Health Sales Department at (716) 631-8072. You can also access and print your Covered Documents by logging in to your account at www.independenthealth.com/billpay. Please be assured that requesting a paper copy in no way withdraws your consent to this Agreement or changes your election to continue to receive the Covered Documents electronically.
Your Responsibility to Provide Us with a Valid and Active Email Address
It is your responsibility to provide us with a valid and active email address. You may update your email address and other contact information by logging in to your account at www.independenthealth.com/billpay or by contacting Independent Health at (716) 631-8072.
E-mails returned as undeliverable may result in a suspension of Electronic Delivery of the Covered Documents. In the event of such a suspension, paper copies of the Covered Documents will be sent to you through U.S. mail at the last address you have provided. It is your responsibility to provide us with an updated mailing address.
System Requirements
To receive, access, and reply to the applicable Covered Documents you will need:
· A personal computer or other access device which is capable of accessing the Internet;
· An Internet web browser which is capable of supporting 128-bit SSL encrypted communications;
· Software which permits you to receive and access Portable Document Format or (“PDF”) files; and
· The ability to download or print agreements and disclosures.
Some states may require insurance documents to be displayed in a particular font size. To ensure that communications are displayed at the correct font size for your state, please make sure that the view size setting for the communications is set to 100% and your browser resolution is 800 x 600.
In order to retain the Covered Documents your system must have the ability to:
· Download and save files to your hard disk drive; and
· Print PDF files or print Web pages and embedded HTML files.
Your consent confirms that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account.
Enrollment with Our Equipment
If you elect to receive the Covered Documents through one of our customer service representatives or by using our equipment, your enrollment may not be complete until you perform an additional action. At the time of your enrollment, we will advise you if you must perform any additional action in order to consent to this Agreement. If you perform the required additional action, this action will constitute your affirmative consent to this Agreement.
For Help When You Need It
We appreciate your business and look forward to continuing to serve you. If you have any questions about this Agreement, please contact us (716) 631-8072.
Disclaimer of Warranties
ALL INFORMATION AND OTHER MATERIALS PRESENT ON INDEPENDENT HEALTH WEBSITES, INCLUDING, WITHOUT LIMITATION, PRODUCTS AND SERVICES ON INDEPENDENT HEALTH WEBSITES ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE CONTENT'S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES. INDEPENDENT HEALTH MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THE INDEPENDENT HEALTH WEBSITES WILL BE ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE.
Legal Effect
By signing this Agreement, you agree to the terms and conditions herein, and acknowledge and agree that your consent is provided and/or obtained in connection with a transaction affecting interstate commerce subject to the Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act, or a similar electronic transactions law, as adopted by state law. You further agree that:
The Covered Documents made available to you on an Independent Health Website or delivered to your email address shall have the same meaning and effect as if you were provided a paper document, whether or not you choose to view the document(s), unless you previously withdrew your consent to receive documents by electronic means in accordance with this Agreement.
The Covered Documents are considered received by you when Independent Health sends the electronic notification to the email address you provide unless Independent Health receives notice that the email notification was not delivered to you at the email address you provided.
With respect to electronic Billing Documents, delays experienced due to the use of this service will not change any payment due date or the potential imposition of late fees. If you do not receive an anticipated e-mail notice, log on to www.Independent Health.com for up-to-date information about your account(s).
Except to the extent otherwise set forth in the Agreement or any other Independent Health agreement applicable to other portions of Independent Health Websites, this Agreement sets forth the entire understanding between Independent Health and you with respect to your access to, and use of, Independent Health Websites and supersedes all prior or contemporaneous understandings regarding access and use
Any provision of this Agreement that shall be proven unenforceable under any law or regulation shall not affect the validity or enforceability of any other provision of this Agreement.