Terms and Conditions
The following terms and conditions ("Terms") provide the basis upon which you may access certain restricted portions of the Web site, and the Web-based services offered by Companion Life ("Service"). Your access to the Web site and the Service will depend on the nature of your relationship with Companion Life Insurance Company ("Companion Life"). Depending on your relationship with Companion Life, Services include information about Companion Life and its subsidiaries, links to content and services provided by third parties, and restricted access to information. By pressing the "Accept" button, you accept these terms and conditions ("Terms") governing the use of the Web site, as outlined herein. Companion Life encourages you to read the Terms carefully so you fully understand your responsibilities.

Information Collected
In order to enroll in the Web site and Service, you must supply certain basic information during the enrollment process and, occasionally, at other times while using the Service. Please be advised that Companion Life may share data provided by you as part of the enrollment process with third parties for the purposes of providing the Service or other membership benefits. In order to provide you with access to the Service, Companion Life may collect the following information from you (as applicable):

1. Name 8. Group Administrator Number  
2. Gender 9. Group Number  
3. Address 10. Provider Number  
4.Phone Number 11. Agent Number  
5. Fax Number 12. Other Health/Dental Insurance  
6. E-mail Address 13. Certain Financial Information (to use the payment Service)  
7. Date of Birth    

Use of Information
The information you provide is necessary to allow Companion Life to provide the Service. The information will be used to enroll you in the Web site and to process, validate and verify your access. Only enrolled Group Administrators, benefit coordinators, providers, individuals seeking coverage and agents will be allowed access to restricted functions of the Service, including some or all of the following (depending on your status):

1. ID card request 6. Claims Entry  
2. Claims Status 7. Pre-Treatment Estimate  
3. Eligibility Status 8. ADA Claims Entry  
4. Ask Customer Service 9. Other Health/Dental Insurance Status Requests  
5. Ask Provider Service 10. Premium Payment  

Updates
If you would like to update your personal information, you may do so either via the Web site's Ask Customer Service or by calling Companion Life's Customer Service department.

E-mail
You are required to provide your e-mail address in order to use the Services. Companion Life may use this e-mail address to correspond with you regarding the Service. Companion Life may also retain this e-mail address for such future use as Companion Life may determine in its discretion. Additionally, Companion Life may send e-mail responses to Ask Customer Service questions. While Companion Life's e-mail system is encrypted to provide a secure e-mail environment, please note that any e-mails you send to Companion Life may not be encrypted, which could result in a third party gaining access to your e-mail. If you have not previously provided an e-mail address in your registration profile, Companion Life will require an e-mail address when you sign on in the future.

Security/Privacy
This site has security/privacy measures in place to protect against the loss, misuse and alteration of the information under Companion Life's control. While your Username and Password are used to initially recognize you as an enrolled Group Administrator of the Service, some of the functions offered by the Service require a higher level of validation and will use other information to allow access to these functions.

Companion Life uses your Internet Protocol (IP) address to help diagnose problems with Companion Life's server, and to administer Companion Life's Web site. Your IP address is also used to help identify you and to help gather broad demographic information.

Although Companion Life has security and privacy measures in place, Companion Life cannot guarantee that unauthorized third parties (including computer hackers) will not gain unauthorized access to your information or otherwise misuse the system. By pressing the "Accept" button below, you agree to assume all risks associated with unauthorized users and further release Companion Life from any and all claims, liabilities and damages, of whatever nature, related to the Service. You also agree to protect your user login information and to not provide such information to any third party.

Cookies
As part of the registration and sign-on process, Companion Life will create a temporary, encrypted identifying information file in your browser (commonly known as a "cookie") that identifies you as a registered user of the Web site. Cookie technology enables Companion Life to offer you convenient features, such as easier navigation through the Web site, the ability to receive services from select third parties and the ability to save customized information.

Links
As you navigate through the Web site, you will be able to link to other sites for special offers or information. Please note that the Web site provides these links for your convenience, but inclusion of the link does not imply endorsement by Companion Life or the Web site. Companion Life does not guarantee any third party's performance and does not guarantee any of the services or materials provided by any third party. The linked sites are not under Companion Life's control and Companion Life is not responsible for the contents of any linked site or any link contained as a linked site. You may be required to accept a linked Web site's separate terms and conditions in order to access such Web site.

Some linked sites may provide particular, personalized services. For example, linked sites may provide prescription drug information that includes part of your prescription drug history. In order for the linked site to provide this type of detailed information, it is necessary for Companion Life to provide the linked site with specific information related to your personal information. Your acceptance of these Terms constitutes your agreement that Companion Life may provide such linked sites with necessary personal information. Because Companion Life does not control the linked sites, Companion Life encourages you to understand the privacy policies of linked sites. Companion Life cannot be responsible for the privacy practices or the content of such Web sites.

Copyright
Copyright and other laws protect all information, content and all other materials offered through the Service and all information contained on the Web site. You may not copy or distribute any of these materials without Companion Life's prior written consent, except to the extent permitted in any accompanying agreement or license.

Modifications
Companion Life may change the Terms and the Services from time to time by posting a modified copy of these Terms on the Web site or by notifying you through mail, e-mail or otherwise. Such changes will be effective and binding as of posting of the notice, unless a different effective date is specified.

Cancellation
Companion Life may, in its sole discretion, choose to terminate the Services or cancel your membership in the Web site. In the event the Service or your enrollment in the Web site are terminated, Companion Life will attempt to notify you (if reasonably possible) within a reasonable period through the e-mail address, phone number, or mailing address you provided to Companion Life (in Companion Life's sole discretion). You may terminate your membership in the Web site by using the online profile maintenance process or by contacting Companion Life's Customer Service (for customers).

Indemnification
You agree to indemnify, defend and hold harmless Companion Life, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the Service using your account.

Warranty Disclaimer
Companion Life Plan does not warrant the accuracy, adequacy, completeness or timeliness of the Services, information, materials, products and services on the Web site or the error-free use of the Web site.

THE SERVICES AND ANY MATERIALS ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COMPANION LIFE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF THESE MATERIALS.

Terms
These Terms constitute the entire agreement with respect to the Service. If any provision of these Terms is determined to be invalid, all other provisions will remain in full force and effect.

Governing Law
This agreement and the Terms shall be interpreted and enforced according to the laws of the state of South Carolina, without reference to its conflicts of laws provisions.