Access HMO is The Company referred to below as Licensed by the Czech National Bank and New York State Department of Financial Services to intermediate all Foreigners’ Comprehensive Health Insurance in the Czech Republic in long, short or abbreviated form both in language and in coverage.
Refer to the Terms and Conditions of our three Health Insurance Plans for obligations, liabilities and liable parties to all offers contained herein.
This Site is owned and operated by Access HMO Foreigners Health Insurance Ltd. and/or its subsidiaries and affiliates (collectively, “Access HMO Comprehensive Health Insurance Ltd.,” “we,” or “us”).
This Policy is intended to advise you with respect to content found on the Site, as well as help you understand what information we collect, whether personally identifiable or not, how we collect it, how we use it, how we share it, and how we protect it. By accessing and/or using the Site, you agree to comply with and be bound by this Policy and the terms and conditions provided herein. IF YOU DO NOT AGREE TO THIS POLICY, PLEASE DO NOT USE THE SITE OR ITS CONTENT.
We may revise this Policy at any time. Any revisions will be effective upon our posting the revised Policy on the Site. Please access this Policy each time you visit the Site to inform yourself of any revisions, as your continued use of the Site will constitute your acceptance of the Policy as revised.
Third Party Websites and Content
In addition, Access HMO Life Insurance Ltd. does not endorse, is not responsible for, and makes no warranty or representation as to the quality or accuracy of third party content, or as to the quality or accuracy of information, goods, or services provided on or offered in connection with third parties’ websites.
Access HMO Life Insurance Ltd. owns all right, title and interest in and to the Site and its proprietary content, including all intellectual property rights therein. All rights not expressly granted to you herein are expressly reserved to Access HMO Life Insurance Ltd..
Modification or use of Access HMO Life Insurance Ltd.’s proprietary content for any purpose other than as expressly permitted herein or on the Site is strictly prohibited. No right, title, or interest in any such content is transferred to you as a result of accessing it through the Site. Unless otherwise specified, you may not copy, modify, distribute, transmit, display, reproduce, publish, license, create derivative works from, link to or frame in another website, use on any other website, transfer or sell any proprietary content obtained from the Site, without written permission from Access HMO Life Insurance Ltd.. The foregoing prohibition expressly includes, but is not limited to, the practices of “screen scraping” and “data mining.”
Collection and Use of Personal Information
When you use the Site, we may use technology to automatically collect non-personally identifiable information including: The dates and times that you visited the Site or logged in to your account. The pages that you visited on the Site and the content that you accessed or viewed. Any searches that you performed on the Site.
We may use analytic tools in connection with such automatically collected non-personally identifiable information to better understand who is using the Site and how they are using it, and to manage and improve the Site.
Access HMO Life Insurance Ltd. may disclose information collected through the Site, including Personal Information: (a) if required to do so by law; (b) if in good faith we believe that disclosure is necessary to comply with local, state, or federal laws, or to respond to a court order, judicial or other governmental subpoena, or warrant; or (c) in the event of bankruptcy proceedings.
Use of the Site is restricted to Access HMO Life Insurance Ltd. and its authorized users. Unauthorized access or use of the Site, including without limitation unauthorized entry into the Site, misuse of passwords, or misuse of any content within the Site, is strictly prohibited.
Disclaimer of Warranties
Please be advised that there are security and other risks associated with using open networks such as the Internet. By accessing and using the Site and its content, you expressly assume such risks. While Access HMO Life Insurance Ltd. intends that content found in or on the Site is accurate and reliable, errors and inaccuracies may occur. In addition, Access HMO Life Insurance Ltd. may make changes, modifications, additions, deletions and improvements to the content provided in or on the Site at any time. Accordingly, Access HMO Life Insurance Ltd. cannot and does not warrant:
The safety, reliability, accuracy, timeliness, usefulness, adequacy, completeness or suitability of content in or on the Site;
Freedom from human and machine errors, omissions, delays, interruptions or losses, including loss of data;
That the Site and its content is free of infection by viruses, worms, or other code That may harm your computer or system;
That access to the Site will be uninterrupted or error-free; or
That defects or inaccuracies will be corrected by a time certain.
THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, Access HMO Life Insurance Ltd. DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT AND ANY WARRANTIES ARISING FROM THE COURSE OF DEALING OR PERFORMANCE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR ACCESS AND USE OF THE SITE AND ITS CONTENT.
Under no circumstances shall Access HMO Life Insurance Ltd. or its officers, directors, agents, employees, sponsors, or partners be responsible or liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages, whether based in contract, tort or otherwise, arising out of or relating in any way to your access or use of the Site or its content, even if Access HMO Life Insurance Ltd. has been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the Site and/or its content is to stop using the Site and/or the content.
Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or maintain information from persons under 13 years of age, and no part of our Site is structured to attract anyone under 13. If you are under 13 years of age, please do not use or access the Site at any time or in any manner. If we learn that Personal Information of persons under 13 years of age has been collected on the Site without verified parental consent, we will take the appropriate steps to delete this information.
If you have any questions or comments regarding how your Personal Information is treated under this Policy, or about the implementation of the principles of this Policy, we encourage you to Contact Us.