Terms of Use

Acceptance and eligibility

By accessing or using the Website, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Website.

The Website is intended for business and professional users who are at least 18 years old. If you use the Website for an employer, brokerage, advisory firm, or another organization, you represent that you are authorized to act on its behalf in connection with your Website use.

Purpose of the Website

The Website provides general information about Procedant, the Compliance Protection Program, Medical Stop-Loss, captive insurance, alternative risk financing, program management, and related services and opportunities. It also provides a way for employers, brokers, advisors, and program partners to contact our team.

Website content is provided for general informational and preliminary discussion purposes. It is not intended to contain every term, condition, limitation, exclusion, requirement, or consideration that may apply to a program, service, insurance policy, captive arrangement, or business relationship.

Insurance and program information

Any insurance coverage or program participation is subject to applicable law, eligibility requirements, underwriting, market availability, pricing, limits, program requirements, approval by the appropriate parties, and complete executed or issued documents.

Descriptions of potential coverage, benefits, structures, participants, or outcomes are general. If an issued policy, binder, endorsement, participation agreement, service agreement, captive document, or other executed contract conflicts with information on the Website, the applicable issued or executed document controls.

Insurance products, services, and program structures may not be available in every jurisdiction or to every organization. Procedant may change, suspend, or discontinue Website descriptions or offerings at any time without notice.

No legal, tax, actuarial, or other professional advice

Website content is not legal, tax, accounting, actuarial, investment, medical, employee-benefits, or other professional advice. It should not be used as a substitute for advice from qualified professionals who understand the specific facts, documents, jurisdiction, and objectives involved.

Use of the Website or communication through a general contact form does not by itself establish a consulting, fiduciary, brokerage, insurer-insured, attorney-client, or other professional relationship with Procedant or any program partner.

Contact forms and information you submit

You agree that information you submit through the Website will be accurate, current, lawful, and provided by someone authorized to share it. Our collection and use of personal information are described in our Privacy Policy.

The public Website is not a claim-reporting system, coverage-notice mechanism, policy-service portal, or emergency communication channel. A Website message does not satisfy any notice requirement imposed by a policy, contract, law, or regulation unless Procedant expressly confirms otherwise in writing.

Unless Procedant has agreed otherwise in writing, unsolicited ideas, suggestions, or general feedback are not confidential, and Procedant may use them without restriction or compensation.

Permitted and prohibited use

Procedant grants you a limited, revocable, non-exclusive, non-transferable right to access and use the Website for lawful business and informational purposes in accordance with these Terms.

You may not:

• Use the Website in violation of any applicable law, regulation, contractual duty, or third-party right;
• Misrepresent your identity, authority, affiliation, or the source or accuracy of information you submit;
• Attempt to gain unauthorized access to the Website, accounts, servers, networks, or data;
• Introduce malware, harmful code, or content designed to interrupt, damage, or impair the Website;
• Probe, scan, test, bypass, or defeat a security or access-control measure without written authorization;
• Use automated tools to scrape, harvest, copy, or monitor Website content in a manner that burdens the Website or violates applicable law;
• Frame, mirror, reproduce, republish, sell, or commercially exploit material from the Website without our written permission; or
• Interfere with another person’s use of the Website or with the Website’s proper operation.

We may restrict or terminate access to the Website when we reasonably believe these Terms have been violated or access presents a legal, operational, or security risk.

Intellectual property

The Website and its text, graphics, logos, program names, page designs, photographs, icons, downloads, code, and other content are owned by Procedant or used with permission and are protected by applicable intellectual-property laws.

You may view, download, or print reasonable portions of publicly available Website content for your internal, non-commercial evaluation, provided that you do not alter the material or remove proprietary notices. No other license or ownership right is granted by these Terms.

“Procedant,” “Procedant Protect,” “S125CP,” “Compliance Protection Program,” related program names, logos, and brand elements may be trademarks or service marks of Procedant or other rights holders. They may not be used in a manner that suggests endorsement, affiliation, or sponsorship without written permission.

Third-party content, links, and services

The Website may refer or link to carriers, reinsurers, administrators, actuarial firms, advisors, technology providers, captive entities, portals, publications, or other third parties. These links are provided for convenience and do not necessarily constitute an endorsement.

Procedant does not control third-party websites or services and is not responsible for their availability, accuracy, security, terms, privacy practices, or content. Your use of a third-party site or service is at your own risk and is governed by the third party’s terms.

Accuracy, availability, and warranty disclaimers

We seek to provide useful and accurate information, but insurance markets, laws, regulations, program requirements, and product details can change. Website content may contain errors, omissions, or information that has become outdated. Procedant does not guarantee that the Website will be complete, current, uninterrupted, secure, or free of harmful components.

To the fullest extent permitted by law, the Website and all Website content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

Limitation of liability and indemnification

To the fullest extent permitted by law, Procedant and its affiliates, owners, officers, employees, agents, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, business, goodwill, opportunities, or data, arising from or related to the Website or these Terms, even if advised that such damages were possible.

To the fullest extent permitted by law, the aggregate liability of Procedant and the parties identified above for claims arising solely from your use of the public Website will not exceed one hundred U.S. dollars ($100). This limitation does not apply to liability that cannot lawfully be excluded or limited, or to obligations established in a separate written agreement.

You agree to defend, indemnify, and hold harmless Procedant and its affiliates, owners, officers, employees, and agents from third-party claims, liabilities, damages, judgments, and reasonable costs arising from your unlawful use of the Website, your material violation of these Terms, or information or content you submit in violation of another person’s rights.

Changes, governing law, and general terms

Changes to the Website or these Terms

We may update the Website and these Terms from time to time. The “Last Updated” date identifies the current version. Changes become effective when posted unless a later date is stated. Your continued use after an update means you accept the revised Terms.

Governing law and venue

These Terms and disputes arising from the public Website are governed by the laws of the State of Arizona, without regard to conflict-of-law principles. Subject to any mandatory law or controlling written agreement, state and federal courts located in Maricopa County, Arizona will have exclusive jurisdiction, and you consent to that jurisdiction and venue.

Severability and waiver

If a provision of these Terms is held invalid or unenforceable, it will be limited or removed only to the minimum extent necessary, and the remaining provisions will remain effective. A failure to enforce a provision is not a waiver of the right to enforce it later.

Relationship to other agreements

These Terms and the Privacy Policy form the agreement concerning use of the public Website. They do not replace an insurance policy, binder, endorsement, participation agreement, service agreement, nondisclosure agreement, portal agreement, or other written contract. If another written agreement governs a specific relationship or service, that agreement controls for that subject matter.

Assignment

You may not assign your rights or obligations under these Terms without Procedant’s written consent. Procedant may assign these Terms in connection with a reorganization, merger, sale, or transfer of the Website or relevant business.

Contact us

Questions concerning these Terms may be directed to:

Procedant Group, LLC
Scottsdale, Arizona
info@procedant.com