Menu Item background Image Menu Item background Image Menu Item background Image Menu Item background Image Menu Item background Image Menu Item background Image Menu Item background Image Menu Item background Image

Revised: March 2012


Carewise Health, Inc. ("Carewise Health") is a personal health program administrator and an independent third-party provider of health advocacy and health benefits solutions. Carewise Health is responsible for any policies regarding this website, including these Terms and Conditions and the Privacy Policy. Also, these Terms and Conditions apply only to this website and do not change the terms or conditions of any other agreement you have for other products or services.

General Provisions

The contents of this website, including all text, graphics, images, information, and other materials ("Content"), are for informational purposes only and are intended to provide general information on a variety of healthcare and health benefits topics.

Privacy Policy

Carewise Health believes strongly in protecting user privacy. Our Privacy Policy explains how Carewise Health collects and uses personal information.


All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Carewise Health or its subsidiaries or content suppliers and protected by United States and international copyright laws. You may electronically copy and print to hard copy portions of this website for the sole purpose of using materials it contains for informational and non-commercial, personal use. Any other use of the materials in this website - including any commercial use, reproduction for purposes other than described above, modification, distribution, republication, display, or performance - without prior written permission - is strictly prohibited.

Carewise Health respects the intellectual property of others, and we ask our users to do the same. Carewise Health may, in appropriate circumstances and at its own discretion, limit access to this website and/or terminate the accounts of any users who abuse the intellectual property rights of others.


Carewise Health, Inc., all logos, all Carewise Health logos, and the products and services described in this website, are either trademarks or registered trademarks of Carewise Health, or its suppliers and its licensors, and may not be copied, imitated or used, in whole or in part, without prior written permission. All other trademarks, registered trademarks, product names, and company names or logos mentioned herein are the property of their respective owners.

Electronic Communications

When you visit the website or send e-mails to us, you are communicating with us electronically and consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this website. By using the website, you agree that all notices, agreements, disclosures, and other messages that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Third-Party Content and Services

This website may include content and features provided by third parties ("Third-Party Content") who have been contracted by Carewise Health to provide such services. Carewise Health does not warrant the accuracy of any Third-Party Content and takes no responsibility to update or review any Third- Party Content.


Carewise Health does not endorse, makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature, or reliability of websites accessible by hyperlink from this website. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such websites. Any links provided are done so as only as a convenience, and inclusion of any link does not imply affiliation with, adoption of any site or endorsement of (i) any website, (ii) any product or service advertised on these websites, or (iii) any other information contained therein.


This website and its contents are provided on an "as is" basis without warranties of any kind, either express or implied. Carewise Health does not represent or warrant that this website or its server(s) are free of viruses or other harmful components. Carewise Health reserves the right to change any and all content contained on this website at any time without notice.

Modification and Amendments

Carewise Health reserves the right to amend at any time any policies governing this website, including these Terms and Conditions and Carewise Health's Privacy Policy, by posting the amended terms. The amended terms shall be effective immediately. If you do not accept the amended terms, you should cease using this website.

Limitation of Liability

In no event shall Carewise Health, its parent or affiliates, be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including but not limited to negligence), or otherwise, arising out of or in any way connected with the use of this website or the content or other materials contained in, or accessed through, this website, even if Carewise Health is advised of the possibility of such damages, including, without limitation, any damages caused by or resulting from reliance by user on any information obtained from the website or Carewise Health, or that results from mistakes, omissions, interruptions, deletion of files or e-mail, error, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of God, communications failure, theft, destruction or unauthorized access to Carewise Health’ records, programs, or services. In no event will the aggregate liability of Carewise Health (whether in contract, warranty, tort-including negligence, whether active, passive or imputed-product liability, strict liability or other theory) arising out of or related to the use of Carewise Health’ website exceed U.S. $1,000. Carewise Health is not liable for any personal injury, including death, caused by your use or misuse of this website, the content or other materials contained in or accessed through this website. All claims arising in connection with your use of this website, any content or any other materials must be brought within one (1) year of the date on which the event giving rise to such action occurred. Remedies under these terms and conditions are exclusive and are limited to those provided for herein.


You shall indemnify and hold harmless Carewise Health, its parent and affiliates and their respective officers, directors, employees, agents, licensors and suppliers, from and against any claims, actions, demands, liabilities, and settlements (including without limitation reasonable attorneys' fees) arising out of or in connection with your breach of these Terms and Conditions.


If any provision of these Terms and Conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky, applicable to agreements made and entirely to be performed within Kentucky, without resort to its conflict of law provisions. Any action at law or in equity arising out of or relating to these Terms and Conditions shall be filed only in Jefferson Circuit Court or U.S. District Court for the Western District of Kentucky, both located in Louisville, Kentucky, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of use of the Carewise Health website and these Terms and Conditions.

Questions & Contact Information

If you have questions or comments about this website, please contact us.