Privacy Policy
Terms of Use
Welcome to the website of The Premium Group, Inc. (the “Site”). By using the Site, you accept these Terms of Use, which PGI reserves the right to modify from time to time. If you do not agree with all of these Terms of Use, do not use the Site.
PURPOSE
This Site is provided for use by physicians and other healthcare providers who wish to receive quotations for medical malpractice insurance from insurance carriers. In order to facilitate that process, providers (1) authorize PGI to access credentialing information about themselves that they have previously submitted to the Universal Provider Datasource® maintained by CAQH, the Council for Affordable Quality Healthcare, Inc., and (2) provide certain additional information not included in the Universal Provider Datasource. The information obtained about each provider, both directly and from CAQH, will in turn be provided to insurance carriers so that they may supply to the provider quotations for medical malpractice insurance. If you are not a healthcare provider seeking quotations for medical malpractice insurance, you are not authorized to use this Site.
UPDATES AND GUIDELINES
We may update these Terms of Use from time to time without notice to you. You can review the most current version of the Terms of Use at any time at [http://www.doc-insurance.com/tou.html]. When using certain portions of the Site, you and we will be subject to any posted guidelines or rules applicable thereto, which may be posted and updated from to time. All such guidelines and rules are hereby incorporated by reference into these Terms of Use.
ACCOUNTS, PASSWORD AND SECURITY
We use passwords and user IDs in order to protect the integrity of the information we collect about you. Each healthcare provider who uses the Site will receive a password and user ID upon completing our registration process. You are responsible for maintaining the confidentiality of your password and user ID, and are fully responsible for all activities that occur under your password or account. You agree to immediately notify PGI of any unauthorized use of your password or User ID or any other breach of security. PGI will not be liable for any loss or damage to you or anyone else arising from your failure to comply with this rule.
USE OF THE SITE
By submitting information through the Site or otherwise using the Site:
• You represent that you are of legal age to form a binding contract and of legal working age, and are not a person barred from using the Site, under the laws of the United States or any other applicable law;
• If you are using the Site on behalf of your employer, you represent that you are authorized to do so; and
• You agree that you will: (a) provide true, accurate, current and complete information about yourself and/or your employer and (b) maintain and promptly correct the information you submit to keep it true, accurate, current and complete.
OTHER CONDUCT
You also agree to abide by the following rules for use of the Site.
• You may not use the Site in such a manner as to violate any applicable law.
• You may not use the Site or any hardware, software, or equipment of PGI for the purposes of destroying, disrupting or interrupting any software, hardware or any part of the Internet, with respect to PGI or any other party, including denial of service attacks, imposition of an unreasonable or disproportionately large load on infrastructure, or virus dissemination.
• You may not use any robot, spider or other automated device to monitor or copy the web pages of the Site or any information provided on the Site without the express written permission of PGI.
We reserve the right to modify any features of the Site at any time without advance notice. WE MAY, IN OUR SOLE DISCRETION, TERMINATE OR SUSPEND ACCESS TO ALL OR PART OF THIS SITE (a) FOR ANYONE WHO FAILS TO COMPLY WITH THESE TERMS OF USE, or (b) FOR ANYONE, IN ORDER TO PREVENT OR MITIGATE HARM TO THE PERSON OR PROPERTY OF YOU, OTHER USERS OF THE SITE, PGI, OR THIRD PARTIES, OR AS REQUIRED BY LAW.
LINKS TO OTHER SITES
The Site may contain links to other websites. PGI has no control over, and accepts no liability, obligation, or responsibility for, the contents or performance of other websites. Any such links do not necessarily constitute an endorsement of, or any representation regarding, the linked website, its content, its owner, its performance, or its owner’s products or services.
OWNERSHIP
All materials on the Site created or provided by PGI, including text, graphics, logos, icons, and images, as well as the compilation of all the content on this Site, are the property of PGI or its content providers, and are protected by United States and foreign intellectual property laws. You may download, view, copy, and print the materials on this Site for personal use only, provided that you do not remove or alter any trademark, service mark, or logo, or any copyright or other intellectual property notices. You may not otherwise download, view, copy, print, reproduce, distribute, republish, display, post, transmit, or modify any material, or portion thereof, located on the Site without the prior written consent of PGI. Unauthorized use of any material on the Site may violate copyright law, trademark law, and other laws of the United States and other jurisdictions. All rights not expressly granted in these Terms of Use are reserved.
TRADEMARKS
PGI is the service mark of The Premium Group. CAQH, COUNCIL FOR AFFORDABLE QUALITY HEALTHCARE, and UNIVERSAL PROVIDER DATASOURCE are the registered service marks of the Council for Affordable Quality Healthcare, Inc. Other trademarks, service marks, and logos used on the Site are trademarks of PGI or others. Nothing on the Site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without the prior written consent of PGI. The designations , SM, ®, ©, or any other intellectual property symbols reflect registration and/or use in the context of United States laws as such relate to such intellectual property symbols.
DISCLAIMER OF WARRANTIES
THE SITE AND THE INFORMATION ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. PGI EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. PGI MAKES NO WARRANTY (a) THAT THE SITE WILL MEET YOUR REQUIREMENTS; (b) THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES, “TROJAN HORSES,” OR OTHER MALICIOUS CODE; (c) THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE; (d) THAT ANY ERRORS IN THE SOFTWARE WHICH COMPRISES THE SITE WILL BE CORRECTED; or (e) WITH RESPECT TO ANY SERVICE AVAILABLE THROUGH OR ADVERTISED ON THE SITE. No information or advice obtained through the Site, or any other affirmation of PGI, by words or actions, shall constitute a warranty.
You use any material distributed, downloaded, or accessed from the Site at your own risk and discretion. You will be solely responsible for any damage to your computer system, loss of data, or loss due to your downloading or reliance upon any such material.
IN NO EVENT SHALL PGI’S LIABILITY ARISING IN CONNECTION WITH OR UNDER THIS AGREEMENT EXCEED THE AMOUNT PAID OR PAYABLE BY YOU TO PGI FOR ACCESS TO THE SITE, OR $100, WHICHEVER IS GREATER. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING UNDER THESE TERMS OF USE OR THE PERFORMANCE OR NON-PERFORMANCE OF THE SITE MUST BE BROUGHT WITHIN ONE YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION ARISES, OR BE FOREVER BARRED.
DISCLAIMER OF CONSEQUENTIAL DAMAGES
IN NO EVENT SHALL COMPANY BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, (a) BREACH OF ANY WARRANTY OR ANY OTHER OBLIGATION IMPOSED ON PGI IN CONNECTION WITH THESE TERMS OF USE; (b) THE USE OF OR INABILITY TO USE THE SITE; (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; AND (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE OR ELSEWHERE, OR YOUR RELIANCE ON THE SAME. “Consequential damages” include, without limitation, loss of use, loss of customers, income or profit, damages or losses resulting from claims of other persons against you.
PGI shall not be liable for any failure to perform under these Terms of Use where such failure results from any cause beyond PGI’s reasonable control, including but not limited to mechanical, electronic, or communications failure or degradation.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, THOSE PROVISIONS SET FORTH ABOVE MAY NOT APPLY TO YOU.
Copyright 2009 The Premium Group Inc. All rights not expressly granted in these Terms of Use are reserved.
PRIVACY POLICY
This Privacy Policy governs your use of the website of The Premium Group, Inc. (the “Site”). By using the Site, you accept this Privacy Policy. We may update this Privacy Policy from time to time without notice to you. You can review the most current version of this Privacy Policy at any time at [http://www.GOPGI.com/.].
PURPOSE
This Site is provided for use by physicians and other healthcare providers who wish to receive quotations for medical malpractice insurance from insurance carriers. In order to facilitate that process, providers (1) authorize PGI to access credentialing information about themselves that they have previously submitted to the Universal Provider Datasource® maintained by CAQH, the Council for Affordable Quality Healthcare, Inc., and (2) provide certain additional information not included in the Universal Provider Datasource. The information obtained about each provider, both directly and from CAQH, will in turn be provided to insurance carriers so that they may supply to the provider quotations for medical malpractice insurance. If you are not a healthcare provider seeking quotations for medical malpractice insurance, you are not authorized to use this Site.
PERSONAL INFORMATION YOU PROVIDE US
For the purposes of this Privacy Policy, “Personal Information” is any information that identifies you, or would enable someone to contact you. We collect and store Personal Information when you submit information to us through the Site and when we access information about you from CAQH’s Universal Provider Datasource.
SECURITY PROCEDURES USED TO PROTECT YOUR PERSONAL INFORMATION
We use physical, electronic, and administrative safeguards to assist us in preventing unauthorized access, maintaining data accuracy, and correctly using your Personal Information. Except as specified in this Privacy Policy, we limit access to your Personal Information to the employees, agents, and officers of PGI who need the information for their jobs.
DISCLOSURES OF THE INFORMATION WE COLLECT TO OUTSIDE PARTIES
We will provide your personal information to insurance carriers so that they may supply quotations for you for medical malpractice insurance. We may also disclose Personal Information we collect from you if required to do so by law or in the good faith belief that disclosure is necessary (a) to obey the law or comply with legal process served on us or our affiliates; (b) to protect and defend our rights or property or the rights or property of other users of our website; or (c) to act in an emergency to protect the personal safety of users of our websites or the public. PGI will not sell, trade or rent your Personal Information to others or disclose your confidential information to any other party for any other purpose other than as set forth in this section.
CHILDREN'S ONLINE PRIVACY PROTECTION ACT COMPLIANCE THIS SITE IS NOT INTENDED FOR PERSONS UNDER 13 YEARS OF AGE. BY ENTERING THIS SITE, USERS REPRESENT THEY ARE 13 YEARS OF AGE OR OLDER.
QUESTIONS
If you would like to review or request changes to any of your personally identifiable information collected through the Site, please submit your request in writing to:
Sierko, Sylwia
The Premium Group, Inc.
Phone # (440) 542-5020
Fax # (440) 542-5005
e-mail ssierko@premiumgroupinc.com
web-site: www.gopgi.com
Effective Date: 6/23/2009