Kentucky Health Cooperative

Terms & Conditions

Terms of Use

Kentucky Health Cooperative provides its Site services to you pursuant to these Terms of Use. Please read Kentucky Health Cooperative Inc.'s Terms of Use carefully before using Kentucky Health Cooperative's website, mykyhc.org (the "Site"). By using the Site, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Site. Your continued use of the Site constitutes your acceptance of these Terms of Use, as may be modified by Kentucky Health Cooperative at any time without notice to you. Please check this page regularly for updates.​​​ You may be subject to any posted policies, guidelines, or rules applicable to the Site services that may be posted from time to time, including the Privacy Statement.  All such policies, guidelines, or rules are incorporated by reference into this Terms of Use.  Please review the Privacy Policy.

Permitted Use

All of the content in the Site is made available only for your lawful use in connection with seeking insurance. Use of the Site by a competitor company or other third party is prohibited. Except as expressly mandated by law, you may not, without Kentucky Health Cooperative's prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; or (iii) engage in systematic retrieval of data or other content from the Site.

Our Products

The products offered on the Site are only available in the jurisdictions in which Kentucky Health Cooperative is properly licensed.

Third-Party Sites

At times, the Site may have links to websites hosted by other parties ("Third-Party Sites"), or such Third-Party Sites may have links to this Site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by Kentucky Health Cooperative of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. Kentucky Health Cooperative does not verify nor make any warranty or representation about the content, accuracy, opinions, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. You should read the privacy policies and terms of use agreements of all Third-Party Sites.

Limitation of Liability

Kentucky Health Cooperative shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if Kentucky Health Cooperative has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of Kentucky Health Cooperative's gross negligence or willful misconduct, the unauthorized alteration of or access to your transmissions or personal data.

Jurisdiction, Enforceability and Termination

Subject to the arbitration provisions on the Site for resolution of disputes, these Terms of Use and your use of the Site are governed in all respects by the laws of the Commonwealth of Kentucky, without giving effect to any principles of conflicts of laws, and any dispute concerning the Site or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Jefferson County, Kentucky.

In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to Kentucky Health Cooperative by discontinuing all use of the information contained in the Site and destroying the materials you have obtained from the Site, including all related documentation and copies. Kentucky Health Cooperative may terminate these Terms of Use and/or the products or services offered by Kentucky Health Cooperative at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the Site and destroy the materials you have obtained from Kentucky Health Cooperative, including all related documentation and copies. Kentucky Health Cooperative is also entitled to terminate all or part of the Site at any time, without notice to you.

These Terms of Use state the entire agreement with regard to the items discussed above.

Copyrights and Trademarks

Except as otherwise indicated, all materials on the Site, including without limitation the Kentucky Health Cooperative logo and other Kentucky Health Cooperative trademarks and service marks, are the property of Kentucky Health Cooperative, Inc. ("KYHC") and/or its affiliates or licensors and are protected by international copyright and trademark laws, all rights reserved.

You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute in any way any material from this Site, including code and software, except as permitted by the Terms of Use or otherwise consented to by Kentucky Health Cooperative in writing.  You may download material from this Site for your personal, non-commercial use, or your employer-company's internal use only, provided you keep intact all copyright, trademark, and other proprietary notices and, if applicable, maintain attribution to the author.  No other right or license is granted to any materials on this Site.

The Site and the services may only be used by you for lawful purposes.  Transmission, distribution, or storage of Content (as defined herein) or other material in violation of any applicable local, state, federal, foreign, or international laws, rules, or regulations is prohibited.  You understand that the technical processing and transmission of the services, including your Content, may involve (a) transmissions over various networks, and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

User Conduct

You understand that all information, advertising, data, text, articles, software, music, sound, photographs, graphics, video, messages, postings, or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated.  This means that you, and not Kentucky Health Cooperative, are entirely responsible for all Content that you upload, post, e-mail, or otherwise transmit via the services, and that you must evaluate, and bear all risks associated with, the use of any Content posted or transmitted by you or other users.  Kentucky Health Cooperative does not control the Content posted by users via the services and, as such, does not guarantee the usefulness, accuracy, integrity, or quality of such Content.  Under no circumstances will Kentucky Health Cooperative be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, e-mailed, or otherwise transmitted, whether by Kentucky Health Cooperative, you, or others.

You agree to not use the services to: (a) upload, post, e-mail, or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable; (b) harm minors in any way; (c) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity; (d) post any incomplete, false, or inaccurate biographical information; (e) forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the services; (f) upload, post, e-mail, or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (g) upload, post, e-mail, or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright, or other proprietary right of any party; (h) upload, post, e-mail, or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other similar solicitations; (i) upload, post, e-mail, or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (j) disrupt the normal flow of dialogue, cause a screen to scroll faster than other users of the services are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges; (k) interfere with or disrupt the services or servers or networks connected to the Site, or disobey any requirements, procedures, policies, or regulations of networks connected to the Site; (l) intentionally or unintentionally violate any applicable local, state, federal, foreign, or international laws, rules, and regulations; (m) stalk or otherwise harass another; or (n) collect, store, or use personal data about other users of the services, except as may be necessary to complete a transaction offered or accepted by such users.

When retrieving information from the Site, you are prohibited from (a) using or attempting to use spiders, robots, avatars, intelligent agents, or any other extraction or navigation search except for a normal browser; (b) aggregating, copying, or duplicating any of the materials or information except for the small amount of materials and information temporarily required for an ordinary single use of the Site; and (c) accessing data not intended for you.

Recognizing the global nature of the Internet, you acknowledge that what may legally be done on or through the Internet in the jurisdiction of your residence may not be permissible in every jurisdiction in the world.  Therefore, you specifically agree to comply with all local laws, rules, and regulations of the jurisdiction of the recipient regarding online conduct and acceptable Content.  In addition, you agree to comply with all applicable laws, rules, and regulations regarding the transmission of technical data exported from the United States and the country in which you reside.

Indemnification

You agree to indemnify and hold Kentucky Health Cooperative and its subsidiaries, affiliates, directors, officers, managers, agents, and employees, harmless from all damages and expenses, including court costs and reasonable attorneys' fees, arising out of any claim based on your use of the services or Content, your connection to the Site, your violation of the Terms of Use, and your violation of any rights of another or of any law, rule, or regulation.

No Resale of Services


You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the services and/or Content, use of the services and/or Content, or access to the services and/or Content, without the express written consent of Kentucky Health Cooperative and the Content author.

Modification and Termination

You acknowledge that Kentucky Health Cooperative may establish general practices and limits concerning use of the services.  You agree that Kentucky Health Cooperative has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the services.  You further acknowledge that Kentucky Health Cooperative reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice, including without limitation, adding or deleting fees associated with the services.  If any charge is applicable to any services, Kentucky Health Cooperative will notify you in advance.

Kentucky Health Cooperative reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the services, in whole or in part, with or without notice.  You agree that Kentucky Health Cooperative shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the services or removal of Content.

You agree that Kentucky Health Cooperative, in its sole discretion, may terminate your use of the services, in whole or in part, and remove and discard any Content, for any reason without notice.  Further, you agree that Kentucky Health Cooperative shall not be liable to you or any third party for any termination of your access to the services.

Kentucky Health Cooperative's Proprietary Rights

You acknowledge and agree that the services and any necessary software used in connection with the services ("Software") contain proprietary and confidential information that is protected by applicable intellectual property laws and other laws.  You further acknowledge and agree that Content, as well as any other information presented to you through the services, is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws.  Except as authorized in the Terms of Use or otherwise expressly authorized in writing by Kentucky Health Cooperative, you agree not to distribute or otherwise transfer, modify, or create derivative works based on the services, the Software, or the Content, in whole or in part.  Kentucky Health Cooperative grants you a personal, nontransferable, and nonexclusive license to use the object code of the Software on a single computer, provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, or distribute, grant a security interest in, or otherwise transfer any right in the Software.  You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including, without limitation, for the purpose of obtaining unauthorized access to the Services.  You agree not to access the services by any means other than through the interface that is provided by Kentucky Health Cooperative for use in accessing the services.

Disclaimer of Warranties and Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICES AND CONTENT IS AT YOUR SOLE RISK.  THE SERVICES AND CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.  KENTUCKY HEALTH COOPERATIVE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF ACCURACY OF DATA, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY IMPLIED WARRANTY ARISING FROM A COURSE OF DEALING OR PERFORMANCE OR FROM USAGE OF TRADE; (b) KENTUCKY HEALTH COOPERATIVE MAKES NO WARRANTY (i) THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; (ii) THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR CONTENT WILL BE ACCURATE OR RELIABLE; (iii) THAT THE QUALITY OF ANY CONTENT, PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS; OR (iv) THAT ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED; (c) DOWNLOADING OR OTHERWISE OBTAINING ANY CONTENT OR OTHER MATERIAL THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL; (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM KENTUCKY HEALTH COOPERATIVE OR THROUGH OR FROM THE SERVICES OR CONTENT SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS WEB SITE USER AGREEMENT.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT KENTUCKY HEALTH COOPERATIVE SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES) RESULTING FROM: (a) THE USE OR THE INABILITY TO USE THE SERVICES OR CONTENT; (b) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION, OR SERVICES OBTAINED OR CONTENT USED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED THROUGH OR FROM THE SERVICES; (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; (e) ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICES; OR (f) ANY OTHER MATTER RELATING TO THE SERVICES, THE CONTENT, OR THE WEB SITE, EVEN IF KENTUCKY HEALTH COOPERATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.  ACCORDINGLY, SOME OF THE LIMITATIONS OF THIS SECTION MAY NOT APPLY TO YOU.​