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A. vipMD Health Benefits Plan Ltd.(vipMD™  provides a cost-plus Private Health Services Plan and contracts with independent licensed insurance brokers as well as health care productivity managers to provide employers comprehensive health and welfare benefits plus a national medical practitioners network of friendly facilities for their employees.

B. Use of Website and Wireless Services:
   IN NO EVENT WILL vipMD™ BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS SITE, OR the Use of Services from our Friendly Facilities Network of Medical Providers, OR THE CONTENT AVAILABLE OR REFERRED TO ON THIS SITE, OR ANY OTHER SITE YOU MAY ACCESS THROUGH THIS SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet. Links available on the Site will allow you to link to Websites not maintained or controlled by vipMD™. vipMD™ provides these links for your convenience, and is not responsible for the contents of any linked site. vipMD™ uses reasonable efforts to ensure the accuracy of its Content on the Site, but cannot and does not warrant the accuracy, completeness, non-infringement, merchantability or fitness for a particular purpose of any information available through these links, and makes no representation or endorsement whatsoever about any other Website which you may access through the Site. It is your responsibility to ensure that any Website you choose to use is free of potentially destructive items such as viruses.
No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

C. Information and Changes:
   Information provided by vipMD™. and other sources on this Website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice. Professional legal and /or tax advice is recommended before enrolling with vipMD Health Benefits Plan Ltd.
   We endeavour to keep the information posted at this site current. However, vipMD™ reserves the right to change or remove any Content from the Site, in whole or in part, at its sole discretion, at any time, without notice.

D. Trade-marks and Copyrights:
   Copyright. All Content published on or otherwise accessible through this Site is protected by copyright. The Content, and the copyright in the Content, are owned or controlled by vipMD™ . You may only use or reproduce the information in the Content for your own personal, non-commercial or educational use. The Content may not be otherwise used, reproduced, broadcast, published or retransmitted, including electronic reproduction by "uploading" or "downloading", without the prior written consent of vipMD™. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website without the prior written permission of the copyright holder. You must abide by all copyright notices, information and restrictions contained in any Content on or accessed through the Site, and maintain such notices in the Content.
   Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.
   Trademarks, vipMD™ , vipMD logo, vipMD.ca™ are registered trademarks of vipMD Health Benefits Plan Ltd. All other products, services and company names mentioned in the Site may be trademarks of their respective owners.

E. Indemnity:
   You agree to defend, indemnify and hold vipMD Health Benefits Plan Ltd. and its related companies harmless from any and all liabilities, costs and expenses, including reasonable attorneys' fees, related to any violation of these Terms and Conditions by you or users of your account, or in connection with the use of this Site or the placement or transmission of any information or other materials on this Site by you or users of your account.
	
F. Privacy and Confidential Information:
   vipMD™’s Privacy and Security Policy is a binding part of these Terms and Conditions. 

G. Disclaimer:
   The information provided on this website is not intended to replace or serve as substitute for any legal, accounting, tax or other professional advice, consultation or service. You should consult with a qualified professional in the respective legal, accounting, tax or other professional area to see if this plan meets your needs.
   E.O.& E. Errors and omissions excepted. We believe that all the information contained within this website and marketing materials are accurate to the best of our knowledge. However, laws and regulations are constantly changing, and although we endeavour to keep the information contained herein current, we are not responsible for honest errors and omissions.
I accept all terms and and conditions.
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