Travel Medical Insurance For Individuals

Disclosure Policy and Disclaimer

MEDEX Global Group, Inc. (MEDEX) is committed to your right to privacy. As a visitor to our websites, you deserve the ability to control the uses of your Personal Information. This privacy statement discloses our privacy practices.

If you feel that MEDEX is not abiding by its posted privacy policy, you should contact us by addressing your concerns to privacy@medexassist.com.

Privacy Policy Effective Date: 4th December 2009

Personal Information Collection

MEDEX collects Personal Information about you when you provide such information to us to purchase a product or service, become a member of one of our online resources or when this information is given to us by affiliated entities or third parties. "Personal Information" is information that would allow someone to identify or contact you, including, for example, your full name, address, telephone number, or e-mail address. In addition, depending upon the service that we provide, we may collect information about your travel plans, medical information to create an emergency medical record or when you call into our Emergency Response Center to open a case. Personal Information does not include aggregated or bundled information that, by itself, does not permit the identification of individual persons (such as statistics on the number of persons visiting the MEDEX website each month).

You provide certain Personal Information to us when you: (a) order products and services from MEDEX websites, (b) submit forms through the Member Center website (c) send other information to us through the "Feedback" interface, or (d) take an online survey . Your employer or an affiliated entity may provide information about you to us to enable us to provide you and your employer services, such as travel related services. When you choose to pay for MEDEX services by credit card, you will be required to provide us the name of your credit card issuer, credit card number and expiration date.

You may also wish to subscribe to one of our newsletters, receive a white paper or attend a Webinar for which you must opt in or enroll. At that point we ask for contact information such as name and e-mail address. Users who no longer wish to receive a future newsletter, notice of a new white paper or a future notification of a Webinar can unsubscribe when they receive it by clicking on a link at the bottom of the newsletter or notification. The user will then be given an opportunity to opt in or out of future newsletters or notifications and opt in or out of further periodic MEDEX communications. When we hire vendors to deliver e-mails to you on our behalf, they cannot use your e-mail address for any other purpose.

E-mail forwarding functionality is provided in many of our communications. Using this functionality will forward the communication privately. However, if you use other forwarding methods, like those provided by your e-mail server, they may transfer personally identifiable information. These e-mail messages may contain “clear GIFs” (Graphics Interchange Format…a type of picture file used on the internet). However, we do not collect personally identifiable information through “clear GIFs.”

In the event of a transfer of ownership, a sale of assets, or a bankruptcy of MEDEX, your personal information, gathered from purchasing or making reservations for products or services or electing to receive communications (such as emails), may be passed on to any resulting third-party entity. We may also disclose specific information when we determine that such disclosure is necessary to comply with law, to cooperate with law enforcement or to protect the interests or safety of MEDEX.

Use of Personal Information

MEDEX will use your Personal Information to provide you with services that you purchase, or services that are purchased by your employer or affiliate. These services are designed to provide tools for risk management, medical and security assistance. Your Personal Information may be transferred to affiliated entities that are performing services for MEDEX or acting as its agent. We will require that any such entities or persons providing services on behalf of MEDEX agree to protect the privacy of your Personal Information and use it only for the purposes for which the information is transferred. MEDEX will not use or disclose your Personal Information except as described in this Statement unless you give us your permission to use or disclose it for other purposes. MEDEX will take reasonable steps to ensure that data is reliable and relevant for its intended use, accurate, complete, and current. MEDEX will maintain your information in a secure environment for an indefinite period of time.

Cookies

MEDEX uses "cookies" to help you personalize your online experience. A cookie is a small text file that is placed on your hard disk by a web server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. Cookies enable us to track and target the interests of our users to simplify and enhance the experience on our site (i.e., pre-filling forms similar to those you may have already completed). Once the user closes their browser, the cookie information is no longer available through our server. You can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether to accept it. If a user rejects the cookie, they can still use our site.

Dispute Resolution

If you have a complaint about any aspect of our web site privacy policies please bring it to our attention by addressing your concerns to privacy@medexassist.com. Please prefix the subject of your email or mark your envelope 'confidential'. We endeavour to resolve all complaints as soon as they are brought to our attention, but if this is not possible, we will acknowledge receipt of your complaint in five working days and advise you how we intend to resolve the issue you have raised and how long this is likely to take. Complaints and disputes will be resolved expeditiously.

Log Files

We use IP addresses in log files to analyze trends, administer the site, track a user's movements, and gather broad demographic information for aggregate use. Log files do not enable us to access personal identifying information, such as e-mail addresses.

Links

Our website contains links to other sites. Please be aware that MEDEX is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected at this website.

Information Security

MEDEX takes precautions to protect user information. When a user submits sensitive information via our web site, information is protected both online and off-line. MEDEX has implemented policies that forbid its employees from using or disclosing Personal Information in an inappropriate or unlawful manner and maintains security measures to safeguard Personal Information from unauthorized access, misuse, alteration, loss or destruction.

When an individual purchases or provides information (such as travel, credit card, health or activity information) through online forms, the information is protected using industry-standard SSL encryption. SSL is an acronym for Secure Sockets Layer, a protocol for transmitting private documents via the Internet. SSL works by using a private key to encrypt data transferred over an SSL connection.

MEDEX has an agreement with Thawte, an independent third party, that provides in order to provide its customers with the most secure way to collect and provide information. This assures MEDEX customers that we are who we say we are. It also assures that all information sent to and from this site is encrypted, protecting against disclosure to third parties.

Correcting inaccuracies in Personal Information

You can review the Personal Information that we have collected from you by using your password to access your record through our website. To update, delete or amend any Personal Information that we create and that we are able to change, simply contact us through privacy@medexassist.com or through the “Contact Us” link on our website.

Changes to Privacy Policy

MEDEX will update this policy from time to time. A "last revised" date will always be included on the top of the statement. To keep up-to-date with MEDEX's policy, please check this page periodically.

Contacting the Website

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Website, you can contact us at privacy@medexassist.com.

Mailing Address

P.O. Box 19056 Baltimore, MD 21284 USA

Children's Privacy

MEDEX will not market to, accept orders from, or solicit personal information from children under the age of 13.

Disclosure Policy and Disclaimer

Personal information may be disclosed to judicial or other government agencies subject to warrants, subpoenas, or other governmental orders.

MEDEX does not warranty or claim that any information presented on our website/websites is correct or accurate. All such information cannot be relied upon in making any medical diagnosis or medical/security assistance or evacuations decisions. Neither MEDEX nor its employees directly or indirectly practice medicine, give medical advice, or render directly personal security services. MEDEX coordinates the rendering and provision of services from various independent contractors. Information presented on the MEDEX website or websites, in MEDEX brochures, booklets, leaflets and sales documents is compiled from a variety of sources and should not be used for medical advice or in place of a professional consultation with a doctor or for personal security advice unless MEDEX personnel or authorized agents are providing the security services. Never disregard the advice of a physician or other qualified health care provider because of any information presented on MEDEX website or websites, or in MEDEX brochures, booklets, or leaflets. MEDEX cannot be held liable or responsible for any detrimental treatment or actions of doctors or surgeons. MEDEX is an intermediary providing access to emergency medical services and personal security services.

MEDEX respects and protects the privacy of its clients. Personal details, including email address and telephone numbers are treated in confidence. These will not be disclosed to any third party, except in connection with the provision of requested services. MEDEX does not send out unsolicited emails (“spam”) and email addresses are not submitted or disclosed to any mailing list organizations. All personal records received are used for the sole purpose of providing services. MEDEX complies generally with international laws on privacy protection in relation to the storage and processing of personal data.

MEDEX facilitates the transfer of information, including, but not limited to, medical records, between its member/client/customer (wherever they are in the world), their employer or family members, their doctor or medical specialist, and local authorities and physicians in situ. Any member/client information stored temporarily by MEDEX is held in a secure environment and is not listed or associated with the name of the member/client (or a member/client who is a medical patient), thus retaining confidentiality at all times and in all respects. Furthermore, no information is released to anyone without the express permission of the member/client (or an authorized representative of same) as well as appropriate warranties or confidentiality/non-disclosure agreements.

Notwithstanding the above stated MEDEX policies concerning the disclosure of information, MEDEX must disclose information of members/clients if compelled to do so by judicial order or valid governmental order or decree. However, wherever possible, MEDEX shall give prior notice to the member/client of the order compelling disclosure and shall cooperate with the member/client in any efforts to prevent disclosure or to limit the disclosure.

Reference herein to any specific healthcare providers or other entities does not necessarily constitute or imply endorsement, recommendation, or favoring by MEDEX. You agree to look solely to providers and entities, not MEDEX, for all claims. MEDEX expressly disclaims all liability relating to use of the content of any nature whatsoever.

By using the MEDEX web pages, you assume all risks associated with the use of this site including any risk to your computer, software or data being damaged by any virus, software, or any other file that might be transmitted or activated via a MEDEX web page or your access to it. MEDEX shall not be liable for any damages of any kind (general, special, incidental or consequential damages, including, without limitation, lost revenues or lost profits) resulting from the use or misuse of the information contained in the MEDEX web pages.

The documents on this website may serve to provide access to the World Wide Web. Because the MEDEX website connects to the Internet, once you leave the site, MEDEX cannot control the information you access. MEDEX links to external Web sites in the hope that users will find reference material on related subjects. MEDEX does not control those sites and is not responsible for the content included in them, including without limitation any subsequent links contained within a linked site, or any changes or updates to a linked site. Each individual site has its own set of policies about what information is appropriate for public access. MEDEX is not responsible for any information or material located at any site other than the official MEDEX website.

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