Web Site Usage Agreement Terms and Conditions

This page sets forth the terms and conditions under which Paladin Managed Care Services, Inc. ("Paladin," or "we") provide the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.

We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Laws and Regulations

Access to and use of this web site are subject to applicable federal, state and local laws and regulations.

Submissions

All information that you submit to Paladin Managed Care Services via this web site shall be deemed and remain the property of Paladin Managed Care Services. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in any consumer Privacy Statement(s) contained within the web site, agreed to by Paladin Managed Care Services where it has a direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to Paladin Managed Care Services that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

Warranty & Liability - Disclaimer

Paladin Managed Care Services specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will Paladin Managed Care Services be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site

Paladin Managed Care Services expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.

Copyright Policy

All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by Paladin Managed Care Services and subsidiaries or affiliated entities or their licensors, protected by copyright with all rights reserved under United States and foreign laws. You may refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.paladinmc.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with Paladin Managed Care Services.

Trademarks

Paladin Managed Care Services and the Paladin Managed Care Services logo are registered trademarks of Enstar Group US. Other trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by Enstar Group US, Paladin Managed Care Services, Inc., or their affiliated entities, or licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of Paladin Managed Care Services, Inc., Enstar Group US, or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, Paladin Managed Care Services may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between Paladin Managed Care Services and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner's request.

Products and Services - Disclaimer

Please note that none of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products Paladin Managed Care Services generally offers. Product and services statements on this web site are for general description purposes only. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Unless otherwise specified, products and services are available in the United States only. Information on the web site may include references to products or services not offered in your state, territory or country or not available for purchase over the Internet in your state, territory or country.

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