Terms of Service
TERMS OF SERVICE
The services provide you with access to various on-line resources, including applications that allow you to electronically make payment of your premium from your checking account and view your transactions and invoice histories (the “Services”). The Services may not be used to make your initial premium payment to CareConnect (i.e., binder payment).
Unless explicitly stated otherwise, any new features that augment or enhance the current Services, including the release of new Services, shall be subject to these TERMS AND CONDITIONS. Upon your acceptance of these TERMS AND CONDITIONS by clicking on the "I Accept" button below, CareConnect grants you a personal, nonexclusive, nontransferable, revocable, and limited license to access and use the Services, subject to these TERMS AND CONDITIONS, solely for your personal purposes. CareConnect reserves the right to, without notice:
- modify, suspend or terminate operation of or access to the Services at any time for any reason;
- modify or change the Services at any time; and
- interrupt the Services as necessary to perform routine and non-routine maintenance, error corrections, or other changes.
If we terminate your use of the Service and you need to pay your CareConnect premium bill in another manner, we will inform you of that fact. In addition, if we modify the TERMS AND CONDITIONS, you will be provided notice that change(s) have occurred. Your continued use of the Services after such notice constitutes your agreement to the changed TERMS AND CONDITIONS.
Upon your acceptance of these TERMS AND CONDITIONS, you will be able to register with CareConnect to use the payment portal. You will be asked to submit your checking account information. You are responsible for any legal, regulatory or other penalties and fees that may be assessed for giving us false information.
By providing CareConnect or its vendor with the account information for your checking account, you authorize us to follow the payment instructions we receive from you when using the Services. When you use the Services to send us a payment instruction, you authorize CareConnect or its vendor to initiate a message to your bank to charge your checking account and to send those funds to us for payment.
On average, it will take five (5) to seven (7) business days to fully process payment, but may in certain instances take up to nine (9) business days. Business days are Monday through Friday, excluding banking holidays. Your payment is considered as timely received the day that we receive payment from you, and not the day we receive your payment instructions. If your payment is received after the due date of the bill, regardless of any cause (except for our failure to reasonably process your explicit payment instruction actually received by us), then you will remain responsible for any late charges and interest assessed, the same as if you mailed your payment to us and we received it after the due date. This would be true even if you are unable to access the system because of problems with the Internet, or because our servers are temporarily unavailable.
You may use the Services to automatically pay your CareConnect premium on a scheduled basis. If you would like to cancel this automatic payment option, you must generally let us know at least five (5) calendar days before the invoice due date (if you schedule your automatic payment as of the invoice due date). If you have scheduled your automatic payment as of a date that is earlier than the invoice due date, you must generally let us know that you would like to cancel the automatic payment option at least five (5) calendar days before such date.
If we are unable to obtain funds for a payment for any reason associated with your checking account or the funds are otherwise rejected or returned by our bank, then we will not be able to complete your bill payment transaction. You will be responsible for any correction and re-submission to CareConnect of appropriate payment instructions. You will also be responsible for any fees your bank may charge as a result of insufficient funds. If there is a problem in processing your payment instruction, you will be able to view this on the CareConnect payment portal and CareConnect or its vendor may attempt to contact you.
If you have used the Services to pay your CareConnect premium bill and would like to request a refund, please feel free to call a Customer Service Connector at (855) 706-7545 (TTY: 855-226-7318) Monday – Friday, 8:00 AM - 11:00 PM and Saturday – Sunday, 9:00 AM – 5:00 PM, stop by our Customer Care Center, Monday - Friday 8:00 AM – 5:00 PM, located at 2200 Northern Blvd in East Hills, NY 11548, or email us at email@example.com.
2. USER NAMES AND PASSWORDS
During the registration process for the Services, you will be asked to verify your email address and set up a password (“Credentials”) to access the Services. Your Credentials are intended for your use only. Please take reasonable care to protect your Credentials from being disclosed inadvertently to third parties and do not disclose your Credentials to any third party. Please notify us immediately of any loss or unauthorized use of your Credentials. You will be responsible for any and all actions taken using your Credentials.
3. YOUR REPRESENTATIONS
You hereby represent to CareConnect and agree that:
- any and all information that you provide to us using the Services will be accurate and complete;
- you will not use the Services to access information about any account or provide any information to us through the Services unless you have the legal authority to do so;
- you will not use the Services for any illegal or improper purposes;
- you will not download, duplicate, copy or otherwise use any portion of the Services or CareConnect’s website for the purpose of commercial use thereof; and
- CareConnect may send you electronic correspondence describing changes to the Services and these TERMS AND CONDITIONS.
5. GOVERNING LAW
Use of the CareConnect website or Services and these TERMS AND CONDITIONS shall be governed by and construed in accordance with the laws of the New York without regard to the choice of law provisions thereof.