Terms of Use
Agreement between the User and International Expat Health (IEH)
Usage of the International Expat Health (IEH) Internet site and all the content thereof, and services provided therein (hereinafter: the “Site”) is conditional upon the acceptance of the terms, conditions, and notices appearing within this document. Usage of the Site will be deemed as your consent to the terms, conditions, and notices.
Service Eligibility
The insurance products listed on this Site are subject to conditions, limitations, and various requirements; not all members are eligible to make use of them nor are they valid in every country. The policies presented on the website are subject exclusively to UK laws. In addition, eligibility for insurance products on this Site as well as any services provided by International Expat Health (IEH) are intended for residents and immediate family members.
If you hold citizenship or have similar rights in your country of residence, kindly note that the IEH policy is designed for international expatriates. The policy is governed solely by UK laws.
Disclaimer and General Information on Medical Topics
The information contained within this Site is not intended to be used as an alternative to professional medical consultation and must not be considered as such. You must always seek the advice of your attending physician or of a certified medical professional prior to beginning any new form of treatment, or if you have any medical questions, in the event that the Site refers you to a diagnosis or to medical treatment.
The information is provided on the Site with the sole intention of presenting general medical information for the benefit of the public. The Site does not aim to be perceived as operating a medical treatment, hospitalization service, or any other kind of medical service and must not be deemed as a provider of such services. The information appearing on the Site regarding any medical treatments and/or medication and/or services is general and intended solely for informational purposes.
The Site does not claim to be exhaustive regarding possible uses, activities, side effects, interactions, and warnings relating to these medical substances and/or services. In addition, the information is not meant to serve as medical advice for a specific problem or to assess the risks and benefits of taking a certain drug and/or following a certain treatment regimen.
Passwords
Please note that you are responsible for maintaining the passwords and/or other data security measures in absolute confidentiality and you must prevent any unauthorized use of the passwords and other data security measures provided to you. In light of the above, you must keep the passwords and other data security means under absolute confidentiality and control any unauthorized use thereof.
Links to Other Sites
The Site may contain links to other Internet sites that are not operated by International Expat Health (IEH), but by third parties. These links are intended for your convenience only. IEH does not have control over these Internet sites and is not responsible for the contents appearing or lacking thereof. The inclusion of these links on the Site does not demonstrate the validity of the content appearing on the linked websites and does not demonstrate any relationship with the operators of the said sites.
Prohibited Illegal or Wrongful Use
As a condition for using the Site, you undertake to avoid using the Site and its contents for any illegal purpose and any objective prohibited by the terms, conditions, and notices herein and/or by law. By using this Site, you agree not to:
– “Harvest”, “scrape”, or otherwise extract or collect information from the Site using an automated software tool or manually on a mass basis (unless we have given you separate written permission to do so). This includes, for example, information about providers, information about other users, or any available information about any offerings, products, services, and promotions on the Site.
– Use automated means to access the Site or gain unauthorized access to the Site or to any account or computer system connected to the Site. This prohibition does not apply to search engines accessing the Site solely for indexing purposes.
– Obtain, or attempt to obtain, access to areas of the Site that are not intended for access by you.
– “Flood” the Site with requests or otherwise overburden, disrupt or harm the Site.
– Circumvent or reverse engineer the data on the Site for any purpose.
– Restrict or inhibit another user or users from using and enjoying the Site.
Ownership of Intellectual Property
We or our licensors or partners own the intellectual property rights in the content, data, and materials displayed on the Site (hereinafter: “Website Content”). You may use the Site (including such content, data, and materials) for your own personal, non-commercial use. You may not use the Website Content for commercial purposes. You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site unless explicitly authorized in these Terms of Use and License Agreement or by the owner of the materials.
You may not use on your website any trademarks, service marks, or copyrighted materials appearing on the website, including but not limited to any logos, without our express written consent.
If you submit or post any materials or content to the website, you grant us and our affiliates a non-exclusive, royalty-free, perpetual, irrevocable, transferable, assignable, sublicensable, worldwide license to use such materials and content for our business purposes, in any form, in any media, and via any technology we choose, whether it exists now or is created in the future, subject only to any privacy-related limitations outlined in our Privacy Policy. You represent that any materials and content posted or otherwise submitted by you to the website are original to you and that you have the right to grant us these rights.
Please do not send us your ideas for our business. We are always thinking and creating, and we may have similar ideas of our own. To avoid any disputes between us relating to ideas that you have submitted to us, you agree that if you send us your ideas, you are giving us the right to use them, and you waive and release us from claims that we have used your ideas without your permission.
Broker Status
International Expat Health (IEH) acts as a broker for insurance products listed on this Site. IEH facilitates the connection between users and insurance providers, operating under UK laws.
Limited Liability
Errors, inconsistencies, mistakes, or inaccuracies may appear on the Site, despite the fact that International Expat Health (IEH) does all that it can to ensure the quality, reliability, integrity, accuracy, and relevance of the information, calculations, and content of the Site. IEH will not be liable for any damage, direct or indirect, expense, and/or loss that may be caused as a result of the existence of these drawbacks.
Using this Site does not provide an alternative for receiving any professional services whatsoever; with any problem or question, you must consult with the appropriate professional in order to obtain advice that is appropriate to the user.
The Site is provided to the user “As Is” with no obligation, liability, or representation by International Expat Health (IEH) regarding the correspondence, reliability, timing, and accuracy of the content therein.
The decision to use the Site and the responsibility for the outcome of its usage rest solely on the user, and International Expat Health (IEH) will bear no liabilities regarding damages, direct or indirect, or losses derived from, or related in any way to, usage of the Site, delayed access thereto, changes in response times, unavailability of the Site or any of its services, or the inability to use it for any reason whatsoever.
Software Download
The Site may enable the download of software, and International Expat Health (IEH) is not responsible for any damages that may be caused by the said download and/or by the use of the software program downloaded from the Site.
Databases
The information submitted to the Site is kept in the International Expat Health (IEH) databases subject to its Privacy Notice.
Contacts for Receiving Service
For questions or problems relating to the Site, please contact the International Expat Health (IEH) offices at 71-75 Shelton Street, London, WC2H 9JQ, UK or by phone at: +44 203 829 2926.
Restriction of Access
International Expat Health (IEH) reserves the right to refuse access to the Site or parts thereof to any user, based on its sole and exclusive discretion and at no advanced notice.
Changes in Terms of Use
International Expat Health (IEH)’s explicit policy is to operate, update, and improve the Site in as continuous a manner as possible; however, International Expat Health (IEH) reserves the right to enter amendments and improvements to the Site, the Terms and Conditions relating to its use at any time, and to terminate and restart its activity from time to time, based on its sole and exclusive discretion. Any changes will be binding to the users as of its introduction to the Site. Please be sure to observe all updates.
General
This policy is subject to the laws of the UK and the respective countries as applicable. The authority of the London courts in the UK will apply to any conflicts arising from the use of the Site or related thereto. Place of jurisdiction is London, UK. In the event that it is ruled that a certain provision of this agreement is invalid or unenforceable, the invalid or unenforceable provision will be deemed as replaced by valid and enforceable provisions, whose content is most similar to the original provisions, while the remainder of the provisions will continue to be valid.