The following Terms and Conditions shall govern your Solstice Benefits Plan (“Plan”) and use of the information, tools and other content accessible via this website (the “Services”) as they relate to the Plan(s). Depending on the specific benefits provided in the Plan(s), these services may include your Personal Health Record or other information as defined in the Plan(s). If you wish to enroll in the Plan please read and agree to the following terms and conditions.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING OR USING THE SERVICES AND PLAN. YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND AGREE THAT YOUR ACCESS AND USE OF THE SERVICES WILL BE GOVERNED BY THESE TERMS AND CONDITIONS.

1. Acceptance of Terms and Conditions upon Enrollment in Plan:

   I wish to enroll in the Plan selected above and I acknowledge that I have read and agree to the following Terms and Conditions.

   I have reviewed all Plan documents, including but not limited to the Certificate of Coverage and Schedule of Benefits, on this website and I understand that coverage under this Plan is subject to the terms as described in those documents.

   I understand that coverage under this Plan will be provided to me and to the dependents designated on the enrollment screens. I understand that I am responsible for payment of required premiums and fees and compliance with all of the provisions and conditions of the Plan as described in the Certificate of Coverage and Schedule/Summary of Benefits.

   I hereby authorize Solstice Benefits, Inc., and its affiliates and subsidiaries (collectively “Solstice”) to initiate recurring deductions for premiums and fees from the payment source specified. I understand that should there be insufficient funds, I will incur a service charge for any withdrawal not honored and that any changes to my Plan may result in changes to the charged amount. The authority to initiate recurring deductions is to remain in effect until revoked by myself by providing Solstice with 30 days’ advanced written notice.

   I understand that I will have the opportunity to renew prior to the end of the coverage term in order to avoid any interruption of coverage. I understand that after the initial Plan term, I will be automatically charged on a month-to-month basis unless and until I terminate my Plan. I understand that I may terminate my Plan by sending a written notice of termination via electronic mail or by mail to:

   Contact@solsticebenefits.com

   Or

   Solstice Benefits, Inc.

   Attention: Member Services

   Post Office Box 19199

   Plantation, Florida 33318

2. Refund Policy

   If you cancel your Plan within the first thirty (30) days after the effective date of enrollment in your Plan, you will receive a reimbursement of all periodic charges, excluding up to thirty U.S. dollars ($30) of any one-time, reasonable processing fee. If Solstice terminates your Plan for any reason other than nonpayment of dues, then Solstice will make a pro rata reimbursement to you of all periodic charges, excluding up to thirty U.S. dollars ($30) of any one-time, reasonable processing fee.

3. Promotional or Referral Codes

   For Plans purchased using a promotional or referral code, you will receive one free month of the Plan purchased. You will be responsible for the first eleven (11) months of premiums and fees. You will receive the final month of the Plan term, the twelfth (12^th) month, for free. The Refund Policy referenced herein applies to Plans purchased using a promotional or referral code.

4. Health Information and Other Content

   You understand and agree that the health information and other content appearing on this website or developed with your input as part the Services:

   • Is compiled from a variety of sources (“Information Providers”), including but not limited to the Associated Press, government health agencies and other health organizations, and is for informational purposes only;
   • Is presented in summary form and intended to provide broad consumer understanding and knowledge of health care topics;
   • Does not cover all possible uses, directions, precautions, drug interactions or adverse effects, nor mean that a particular drug or course of treatment is safe, effective or

   appropriate for me;

   • Is not a substitute for professional health care and is not meant to replace the advice of health care professionals; and
   • Does not replace or modify any benefit plan documents or other member material

   You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download portions of the material from the specific Services solely for your own noncommercial use. You agree not to change or delete any proprietary notices from any material downloaded from the Services.

   If you have specific health care needs, or for complete health information, please see a doctor or other health care provider. Neither Solstice nor the Information Providers make any warranty as to the reliability, accuracy, timeliness, usefulness or completeness of any content appearing on this website. You should never disregard medical advice or delay seeking it because of something you read when accessing the Services. Consult your physician before taking any drug, changing your diet, starting or stopping any course of treatment or starting a new fitness regimen.

5. Protected Health Information (PHI)

   It is important for you to know that we respect your right to privacy. These policies and procedures address handling, safeguarding, using, and disclosing PHI. In accordance with the company’s Business Associate Agreement with health care providers, health plans, and health care clearinghouses, we must ensure the privacy of an individual’s protected health information.

   PHI refers to all information (oral, paper-based documents, and electronic documents) that relates to an individual including but not limited to:

   • Medical information
   • Billing information
   • Financial information
   • Names and other identifying information such as:
     • Telephone numbers
     • Fax numbers
     • Electronic Mail addresses
     • Social security numbers
     • Medical record numbers
     • Birth date
     • Date of death
     • Health plan beneficiary numbers
     • Account numbers
     • Certificate/license numbers
     • Full face photographic images and any comparable images
     • Any other unique identifying number characteristic, or code
   1. Respecting your privacy rights

      All of our business practices are in full compliance with the privacy requirements set forth by the Health Insurance Portability and Accountability Act (HIPAA).

   2. Protecting your confidential information

      We have taken precautionary measures to make all information received from our online visitors as secure as possible against unauthorized access and use. We do not sell or share information to companies outside of our Solstice organization.

      However, it may be necessary for us to provide information to contracted external partners in order to respond to your inquiries and to provide you with services on our behalf. They may only use the information provided for the specified use and project.

   3. Your online preferences

      We use "cookie" technology to obtain usage information from our online visitors. You may disable your cookie information by adjusting your browser preferences on your personal computer at any time. Keep in mind that cookies do not identify a specific user and are not used to collect any personal information.

      In order to provide you with the best possible service and relevant information to you, we use cookies to:

      Track resources and data accessed on the site per visitor

      • Record general site statistics and activity
      • Assist users experiencing Web site problems

   4. Safeguarding your data on site

      We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.

   5. Our online communication practices

      You should know that unless otherwise noted, the email functionality on our site does not provide a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed inappropriately by another Internet user while in transit to us. If you wish to keep your information completely private, you should not use email.

      We may send email communications to you related to general health benefits, Website updates, health conditions and other general health topics.

      We may also send electronic newsletters on a periodic basis to various individuals and organizations. To opt-out of the newsletter you're receiving, click on the opt-out button associated with the specific communication.

   6. Use and Disclosure of PHI
      1. When using or disclosing protected health information, we will take reasonable efforts to limit protected health information to the minimum necessary to accomplish the intended purpose of the use, disclosure, or request.
      2. The following are situations in which the minimum necessary provisions would not apply:
         1. Uses or disclosures that are required by law.
         2. Uses or disclosures made to the individual.
         3. Uses or disclosures made pursuant to an authorization.
         4. Disclosures to a health care providers for treatment purposes.
         5. Disclosures to the Secretary of Health and Human Services for enforcement purposes.
         6. Uses or disclosures that are required for compliance with HIPAA requirements.

   7. Treatment

      The identity of any person contacting this company requesting protected health information (PHI) must be verified before any disclosure may take place. Staff members must also verify the requesting person's authority to have access to the PHI.

      In cases where a public official is requesting PHI, you must verify the identity of the requester by examining reasonable evidence, such as a written statement of identity on agency letterhead, an identification badge or similar proof of status. In addition, the legal authority must be determined and verified by examining the reasonable evidence, i.e., a written request provided on agency letterhead that describes the legal authority for requesting the release.

   8. Payment

      PHI may be used or disclosed so that the treatment and services patients receive may be billed and payment may be collected from the individual, an insurance company or a third party. PHI may be used or disclosed to obtain prior approval or to determine whether an individual’s insurance will cover the treatment.

      Solstice may disclose PHI in response to a subpoena, discovery request, or other lawful order from a court.

      To the extent that the law permits us to release information, we may disclose PHI if asked to do so by a law enforcement official as part of law enforcement activities; in investigations of criminal conduct or of victims of crime; in response to court orders; in emergency circumstances.

      Solstice will disclose PHI about patients when required to do so by federal, state or local law.

6. Applicability

   This Agreement shall apply to any and all Plans purchased by you and to your use of the Services via this website. These Terms and Conditions shall survive any termination of your access to any one or more of the Services. Solstice may terminate your access to any one or more of the Services if you violate any of these Terms and Conditions.

7. Miscellaneous

   This Agreement shall be governed by and construed in accordance with the laws of the State of Florida. You agree that any legal action or proceeding between Solstice and you for any purpose concerning this Agreement or any obligations of you or Solstice hereunder shall be brought exclusively in a court of competent jurisdiction sitting in Broward County, Florida. Any cause of action or claim you may have with respect to the Services must be commenced within one (1) year after the cause of action or claim arises. Solstice’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between you and Solstice nor trade practices shall act to modify any provision of this Agreement. Solstice may, at its own discretion, assign its rights and duties hereunder to any third party at any time without notice to you.

8. Notice

   We may deliver notice to you concerning this Agreement by means of electronic mail, by a general notice posted on the website, or by written communication delivered by first-class U.S. mail to your address on record in our files.

9. Identification

   You represent that you have properly identified yourself by entering your own name and personal identifiers when registering for this site and not those of any other person.

10. Fraud

    Any person who knowingly, and with intent to injure, defraud, or deceive any insurer, files a statement of claim or an application containing false, incomplete, or misleading information is guilty of a felony of the third degree.