Introduction

Access Health CT is the new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Affordable Care Act.

By using this website, www.accesshealthct.com or www.ct.gov/hix, you agree to be bound by these Terms of Use. Please review them carefully. For more information on how Access Health CT may collect, use, maintain, secure and disclose your personal information, please review our Privacy Policy.

Additional guidelines, terms and agreements (“Additional Terms”) may apply to programs and products offered through this Site. For example, if you select a health insurance plan through this Site, separate terms will apply to your selection. In the event of a conflict between such Additional Terms and these Terms of Use, such Additional Terms will control.

We reserve the right to revise these Terms of Use at any time by updating this posting. You are responsible for reviewing these Terms of Use regularly in order to become aware of any changes. By continuing to use this Site after any amendment, you agree to accept any such change.

Registration

In order to access some features of this Site and apply for any of the plans or programs available through Access Health CT, you will need to create a User ID and password. You agree to provide us with accurate and complete registration information, and to inform us of any updates or changes to such information. Your User ID and password verify your identity so that you may have access to your information while restricting access by unauthorized individuals. Your Access Health CT User ID and password are your keys to obtaining secure information from Access Health CT. To ensure that there is no unauthorized use of the information that Access Health CT has about you, you should not share your Access Health CT User ID or password with anyone. Your password is confidential and known only to you; if you share it with anyone else, you do so at your own risk. You are responsible for all activities that occur under your User ID and password.

If you learn that there has been any unauthorized access to or use of your password or any of the information in your Access Health CT account, please notify Access Health CT as soon as possible by calling 1-855-805-HEALTH (1-855-805-4325). You may not have access to anyone else’s Access Health CT account unless you have received express consent to do so and you must not falsely represent to Access Health CT that you have such consent. You may not use Access Health CT or your Access Health CT account to attempt to access any other individual or household’s personal data other than your own.

Use of this Site

You may browse this Site and use its functions and features, and you may download material displayed on this Site, for your own personal use only — i.e. to review and select health insurance policies and affordability programs offered on this Site. Except as noted above, you receive no right or license, by implication, estoppel, or otherwise, in or under any patent, trademark, copyright, or proprietary right of Access Health CT or any third party through your use of this Site.

You may not:

• Download, modify, reproduce, adapt, translate, reverse engineer, create derivative works based upon, publicly display, sell, rent, license, or in any way commercially exploit any portion of this Site, except and to the extent expressly permitted under these Terms of Use;
• Use, frame or utilize framing techniques to enclose any Access Health CT trademark or logo or any other part of this Site;
• Remove any copyright, trademark or other proprietary notice contained in or on this Site;
• Create user accounts by automated means or under false or fraudulent pretenses;
• Transmit or upload to this Site any item containing or embodying any virus, worm, defect, Trojan horse, or other feature designed to damage or degrade in any manner the performance of this Site, or any other Web site, or any other computer or other device or system, or the enjoyment of this Site by any other user;
• Use this Site to violate the security of or gain unauthorized access to any computer or computer network or other device or system (including unauthorized attempts to discover passwords or security encryption codes, SYSDATE);
• Take any action that imposes, or may impose a disproportionately large data or traffic load on this Site or the IT infrastructure used to operate and make this Site available;
• Circumvent or attempt to circumvent any security measures associated with this Site; or
• Use this Site to violate any applicable local, state, federal or international law.

Any use of this Site in violation of these Terms of Use will terminate the permission or license granted by these Terms and result in the termination of your account on this Site. Such unauthorized use may violate applicable law, including, without limitation, copyright laws and trademark laws (including trade dress). We reserve the right, but are not obligated to (except as required by applicable law), report any illegal activity to any and all regulatory, administrative and/or governmental authorities for prosecution.

Copyright and Trademark

All materials on this Site, unless specifically noted, are copyright, and the sole and exclusive property, of Access Health CT or its licensors. Copyright violation is a serious offense, punishable by civil and criminal penalties.

All names, logos, designs and slogans of Access Health CT are trademarks of Access Health CT. Any other trademarks on the Site are the property of their respective owners. Use of any third party trademarks does not imply sponsorship or endorsement by such third party of Access Health CT or this Site or by Access Health CT of such third party. You are not permitted to use any trademarks, service marks or logos without the prior written consent of the owner.

You may not remove any copyright, trademark or other proprietary notices from materials you download, nor may you distribute, modify, transmit, reuse, repost, or use any material from the Site for public or commercial purposes without our prior written consent. Any use contrary to these Terms of Use is a violation of the intellectual property rights of Access Health CT, its vendors and/or contributors.
We always appreciate your feedback or other suggestions about Access Health CT, but you understand that we may use them without any obligation to compensate you for them (just as you have no obligation to offer them).

Indemnification

You agree to indemnify, defend, and hold Access Health CT and our directors, officers, employees, agents and representatives (collective, “Representatives”) harmless from all claims, liabilities, damages, and expenses (including attorneys’ fees and expenses) arising out of or relating to: (a) your inappropriate or unlawful use of this Site; and (b) any alleged breach of these Terms of Use.

Disclaimer of Warranties/Limits on Liability

All information and materials on this site and any linked sites are provided “As Is” without warranty of any kind, and may include inaccuracies or errors. We do not warrant that access to this Site or any of its content will be uninterrupted or error free, that defects will be corrected, or that this Site will be free of viruses or other harmful components. We have not reviewed any sites linked to the Service (“Linked Sites”) and we are not responsible for the content of any Linked Sites.

ACCESS HEALTH CT SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE AND ANY OF OUR REPRESENTATIVES WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) RELATING TO THE USE, PERFORMANCE, DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL ACCESS HEALTH CT’S LIABILITY TO YOU IN CONNECTION WITH YOUR USE OF THIS SITE EXCEED FIFTY DOLLARS ($50.00).

Law and Jurisdiction

This Site is operated by Access Health CT from the State of Connecticut, United States of America, and your use of this Site shall be governed and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Exclusive jurisdiction and venue shall lie in the State of Connecticut, Hartford County, including the U.S. federal courts therein.

Contact and Violations

Please contact us with any questions regarding these Terms of Use at AHCT.Questions@ct.gov.