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Legal Notice

Be sure to read this Legal Notice, as it covers the terms and conditions applicable to accessing and using this Web site. As a condition to accessing and using this Web site, you agree to accept the terms and conditions below.

1. This Web site is owned and operated by Rayant affiliated companies (collectively, "Rayant"). Anyone using this site is subject to monitoring by Rayant.
2. NEITHER RAYANT NOR ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, ADEQUACY, QUALITY, COMPLETENESS OR TIMELINESS OF ANY INFORMATION CONTAINED AT THIS WEB SITE. FURTHER, RAYANT SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR A THIRD PARTY ARISING FROM THE USE OR RELIANCE UPON THE INFORMATION CONTAINED ON THE WEB SITE, OR ANY OTHER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, OR LOST DATA, EVEN IF RAYANT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF THE ACTION.
3. Rayant does not warrant or guarantee that any files available for downloading are free of cookies, viruses, worms, "Trojan horses," or other harmful or destructive elements.
4. In providing this information, Rayant does not assume any liability as a result of the use or misuse of the information. By your use of this information, you recognize and agree to hold Rayant harmless from any liability arising from your use of this information.
5. The information provided in this Web site is not intended to replace or modify the terms, conditions, limitations, and exclusions contained within health benefit plans issued or administered by Rayant. In the event of a conflict between the information contained on this Web site and your plan documents, your plan documents shall control.
6. The information and descriptions provided on this site regarding products or services do not constitute a solicitation or offer to purchase any product or service. Anyone interested in a particular product or service should contact a Rayant representative.
7. Rayant reserves the right to change any information at this Web site including, but not limited to, revising and/or deleting information without prior notice. Information contained on this site may be out of date at any time.
8. Following certain links within this Web site might take you to other Web sites for which Rayant assumes no responsibility of any kind for the contents or otherwise. The links to third party Web sites are provided for convenience of reference only and are not intended as a sponsorship, affiliation, or endorsement of any organization or individual operating, or any information contained on, any Web site accessed. Should you decide to access any linked Web site, you do so at your own risk. Rayant does not guarantee or warrant that any information contained on any linked site is free of cookies, viruses, worms, "Trojan horses," or other harmful or destructive elements.
9. Rayant has taken reasonable steps to ensure the confidentiality of information transmitted to it via the Internet. However, the user is cautioned that changes in technology may be used by unauthorized third parties to intercept your information. Accordingly, Rayant assumes no liability or responsibility should confidential information belonging to the user be intercepted and subsequently used by an unintended recipient.
10. The information contained on this site is for general information purposes only. It is not meant as a substitute for health care advice. If you have any medical or health-related questions, please contact your physician or health care provider.
11. Text, logos, designs, and other works of authorship contained on this Web site may be protected by United States and foreign copyright laws. They may not be downloaded, distributed, transmitted, reproduced, reprinted, or used, in whole or in part, in any manner except for personal use. Except for personal use, permission to download, distribute, transmit, reproduce, reprint, or use these files without Rayant's or the copyright holder's written consent is expressly prohibited.
12. For information regarding Rayant's Privacy Policy, please click on http://www.rayant.com/privacy.asp.
13. For purposes of any information contained within this Web site, or any offer or business arising from the use of this Web site, the laws of the State of New Jersey, Pennsylvania, and New York shall apply, respective upon the state in which you purchase coverage.