Accuracy of Information
Blue Cross and Blue Shield of (BCBS ), a division of Health Care Service Corporation, has made reasonable efforts to present the information contained on this Web site (the "Site") accurately, but that information may contain inaccuracies. We have no obligation to update this Site, so it is possible that information found on this Site may be out-of-date. We provide the content and information on this Site on an "AS IS" and “AS AVAILABLE” basis, without any representations or warranties. We expressly disclaim any and all warranties, express or implied, including without limitation, the implied warranties of merchantability, noninfringement and fitness for a particular purpose.

Limitation of Liability
You use this Site at your own risk, and BCBS has no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this Site or the information you receive from or submit to this Site.

Links to Other Web Sites
This Site may provide links to external websites that we do not control or supervise. We do not endorse or monitor external websites and we are not responsible for the privacy practices or content of those other sites. Your use of external sites is subject to each of those sites' terms of use and privacy policies.

Security; Use Restrictions
You may not use any device or computer program in order to interfere or attempt to interfere with the proper operation of this Site. You may not take any action that imposes an unreasonable load on the systems supporting this Site. You may not submit false information when registering with or accessing this Site, nor may you share your password or log in, or attempt to log in, with the user name of another person.

BCBS Products
Nothing on this Web site constitutes an offer to sell products. BCBS products are only available in . If you live outside of , please call your local Blue Cross and Blue Shield Plan office for availability of coverage in your state. More information is available at Blue Cross and Blue Shield Association's Web site, www.bcbs.com.

Type of Information Displayed on this Site
Other than your individual claims-related information, medical and health-related information contained on this Site is general in nature. No information on this Site is a substitute for professional health care. If you have specific health-care needs, please see a health care provider. This Site is for educational and informational purposes only.

Privacy Policy
Our Privacy Policy, as it may change from time to time, is part of these Terms of Use.

Ownership
All right, title and interest in the content (including software, text and images) and other intellectual property (including trademarks and copyrights) on this Site are solely and exclusively the property of BCBS or its licensors, and are protected by intellectual property laws. You may display and use this Site (including printing pages of this Site) solely for your personal, noncommercial use. BCBS reserves all other rights. You may not modify, copy, distribute, publicly display, perform, license, transfer or sell any content or intellectual property obtained from this Site. You may not reverse engineer, disassemble or decompile any software (including tools, utilities, modules, applets and applications) included in any of the foregoing, or used to manipulate, transmit or display any of the foregoing.

Governing Law; Venue; [Right to Remedy]
These Terms of Use and your access to the Site shall be governed exclusively by the laws of the State of , without reference to its rules regarding choice of law. Venue for any legal action arising out of or relating to this Site shall be exclusively the state or federal courts located in . You consent to the jurisdiction of such courts. [Before seeking legal recourse for any harm you believe you have suffered due to your access to the Site, you agree to notify us and to give us 30 days to cure the harm before initiating any action. You must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.]

Updates to Terms of Use
BCBS may change or update these Terms of Use from time to time without notice. However, all such changes will be posted here. You should review these Terms of Use from time to time so that you are aware of any such changes, as your use of this Site after any such change to these Terms of Use shall be considered your acceptance of the revised Terms.

By using this Site, you acknowledge and agree that you have read and understand these Terms of Use, and that you expressly agree to be bound by them.