This website is owned and operated by Healthcare Cost Solutions, Inc. By visiting our Website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’).
Healthcare Cost Solutions reserve the right to change this User Agreement from time to time without notice.  You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications.  Your continued use of this Website after such modifications will constitute acknowledgement and agreement of the modified terms and conditions.
Responsible Use and Conduct
By visiting our Website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly) hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by:
  •  – The terms of this User Agreement, and
  •  – Applicable laws, regulations and generally accepted online practices or guidelines
Wherein, you understand that:
  • (a)    In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.,) as part of the process, or as part of your ability to use the Resources.  You agree that any information you provide will always be accurate, correct, and up-to-date.
  • (b)   You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources.  Accordingly, you are responsible for all activities that occur under your account(s).
  • (c)    Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited.  You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.
  • (d)   Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.
  • (e)    Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.
  • (f)     You are solely responsible for any consequences, losses, or damages that Healthcare Cost Solutions may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.
  • (g)    Healthcare Cost Solutions may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and review, various social media services, etc.  You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:
    • (i)   Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
    • (ii)   infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
    • (iii)  contains any type of unauthorized or unsolicited advertising;
    • (iv)  impersonates any person or entity, including any Healthcare Cost Solutions employees or representatives.
  • Healthcare Cost Solutions has the right at their sole discretion to remove any content that they fee in their judgement does not comply with this User Agreement, along with any content that they feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any third-party copyrights or trademarks.  Healthcare Cost Solutions is not responsible for any delay or failure in removing such content.  If you post content that Healthcare Cost Solutions chooses to remove, you hereby consent to such removal, and consent to waive any claim against Healthcare Cost Solutions.
  • (h)   Healthcare Cost Solutions does not assume any liability for any content posted by you or any other third-party users of our Website.  However, any content posted by you using any open communication tools on our Website, provided that it doesn’t violate or infringe on any third-party copyrights or trademarks, becomes the property of Healthcare Cost Solutions and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit.  This only refers and applies to content posted via open communication tools as described, ad does not refer to information that is provided as part of the registration process, necessary in order to use our Resources.
  • (i)     You agree it indemnify and hold harmless Healthcare Cost Solutions and its directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorney’s fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account.  Healthcare Cost Solutions reserves the right to take over the exclusive defense of any claim for which they are entitled to indemnification under this User Agreement.  In such event, you shall provide Healthcare Cost Solutions with such cooperation as is reasonably requested by Healthcare Cost Solutions.
Responsible Use and Conduct
By using this website, you understand and agree that all Resources Healthcare Cost Solutions provides are “as is” and “as available.” This means that we do not represent or warrant to you that:
  • (a)    The use of our Resources will meet your needs or requirements
  • (b)   The use of our Resources will be uninterrupted, timely, secure or free from errors
  • (c)    The information obtained by sing our Resources will be accurate or reliable, and
  • (d)   Any defects in the operation or functionality of any Resources Healthcare Cost Solutions provides will be repaired or corrected.
  • Furthermore, you understand and agree that:
  • (e)    Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.
  • (f)     No information or advice, whether expressed, implied, oral, or written, obtained by you from Healthcare Cost Solutions or through any Resources Healthcare Cost Solutions provides shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.
Limitations of Warranties
In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against Healthcare Cost Solutions shall be limited to the amount you paid, if any, for use of products and/or services. Healthcare Cost Solutions will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using Healthcare Cost Solutions Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.
All content and materials available on, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Healthcare Cost Solutions and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this Website is strictly prohibited, unless specifically authorized by Healthcare Cost Solutions.
Termination of Use
You agree that Healthcare Cost Solutions may, at its sole discretion, suspend or terminate your access to all or part of the Healthcare Cost Solutions Site and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources Healthcare Cost Solutions provides will immediately cease, and Healthcare Cost Solutions reserves the right to remove or delete any information that you may have on file with them, including any account or login information.
Governing Law
This website is controlled by Healthcare Cost Solutions. It can be accessed by most countries around the world. By accessing this website, you agree that the statues and laws of our state, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of the website and the purchase of any products or services through this Website.
Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
Contact Information
If you have any questions or comments about these Terms of Service as outlined above, please contact us at