TERMS OF USE

Welcome to the Stirling Benefits, Inc. website. Stirling Benefits owns and operates this site to provide information and online services to its users, and as an online information service to its clients. By using this Web Site you acknowledge and agree to abide by the following Terms of Use.

USE OF MATERIAL

The contents of the Web Site are protected by copyright. Unauthorized use may violate copyright, trademark, and other laws. We authorize you to view and download material on the Web Site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose. You will not use this Web Site, in violation of any laws including without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. Any advertisement, links with other Web Sites, co-hosts or references to third parties are not endorsements of such third parties' products or services and are not intended to result in any referrals or compensation to us.

USE OF INFORMATION AND RESOURCES

We make this Site available for the sole purposes of providing general educational information on health-related issues and providing access to health-related resources. This Site and its health-related information and resources are not intended to be a substitute for professional medical advice or for the care that patients receive from their physicians. Nothing in this Site is intended to be used for medical diagnosis or treatment. Always seek the advice of your physician before beginning any new treatment or if you have any questions regarding a medical condition. You should not disregard medical advice, or delay seeking medical advice, because of something you read in this Site.

This Site and its health-related information and resources are not intended, and must not be taken, to be the rendering of medical, nursing, or professional health care advice or services, or the practice of medicine, nursing, or professional health care, in any jurisdiction.

Our Site provides links to other Web Sites, not owned or controlled by us. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other Sites. A link to an external Web Site does not constitute or imply endorsement by us. Additionally, we cannot guarantee the quality or accuracy of information presented on external Web Sites. We encourage you to review the privacy practices of any Web Site you visit.

UNLAWFUL OR PROHIBITED USE

You agree not to use this Site for any purpose that is unlawful or prohibited by this agreement. You agree not to submit any materials that contain viruses, Trojan horses, worms, time bombs, or other computer programming routines or engines that are intended to damage, detrimentally interfere with, intercept, or expropriate any system, data, or information. You may not try to gain unauthorized access to the service through hacking, password mining, or any other means. You agree that you will not use any robot, spider, or other automatic device, or manual process to monitor, copy, or extract information from the Site without expressed written authorization to do so.

APPROPRIATENESS OF CONTENT

This Site is not intended to attract children under the age of 18. Some of the content on this Web Site may not be appropriate for children. Parent or guardians are solely responsible for providing supervision of minors’ use of this Web Site.

This Site includes the online information service for our client users and is intended for use by adults only. You must be at least 18 years of age and possess the legal authority to form legally binding contracts under applicable law to use the client online information service.

YOUR SUBMISSIONS

Generally, communications that you post to the Web Site are not confidential. If particular Web pages permit the submission of communications, which will be treated by us as confidential, that fact will be stated on those pages. You are responsible for your own communications and the consequences of such posting. You agree not to use the Site for any purpose that is unlawful or prohibited under this agreement. You agree not to post or submit on this Site, any material that:
(a) violates or may violate others privacy or publicity rights;
(b) infringes or may infringe on anyone else’s copyright, trade secret, trademark, or other intellectual property rights;
(c) impersonates another person;
(d) is obscene, defamatory, threatening, harassing, hateful, abusive, or embarrassing to another party;
(e) communicates chain letters or pyramid schemes; or
(f) breaches any obligations of confidentially or any other contractual obligation you may owe to any third parties.

We do not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by other users, or endorse any opinions expressed by other users. Any reliance on material posted by others is at your own risk.

OUR LIABILITY

The Web Site may contain inaccuracies or typographical errors. We make no representations about the accuracy, reliability, completeness, or timeliness of the material. The use of the Web Site and the material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

WE DO NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. THE WEB SITE AND MATERIAL ARE PROVIDED ON AN “AS IS” BASIS WITHOUT ANY WARRANTIES OF ANY KIND.

In no event shall we be liable for any damages whatsoever (including, without limitation, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the Web Site or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the Web Site and the Material, whether based on warranty, contract, tort or any other legal theory and whether or not we are advised of the possibility of such damages.

LIMITATIONS

TERMINATION

We may terminate or limit your access or usage of the Web Site and the material at any time without notice. We may prohibit or restrict access to password-protected services to anyone at any time, with or without cause. We may also in our sole discretion and at any time, discontinue providing the online information service, or any part of it, temporarily or permanently. We will make reasonable efforts to provide notice of any such discontinuation to you. You agree that we shall not be liable to you or any third party for any termination of your access to the online information service, or for any modification, suspension, or discontinuation of the online information service.

STATEMENT CHANGES

The foregoing “Terms of Use” Statement is effective as of September 15, 2006. We may change this statement from time to time without notice. This statement is not intended to and does not create any contractual or other legal right in or on behalf of any party.