Please read carefully before using this Website (inclusive of subdomains, mobile versions or mobile applications)

This Website contains the Terms of Use governing your access to and use for https://www.herohealthplans.com and its related content. Lumina Benefits LLC owns the Website. If you do not accept these Terms of Use or you do not meet or comply with their provisions, you may not use the Website. These terms apply to all visitors, users and others who access or use the Site.

This Website is designed for information, education and research purposes. We encourage you to interact with and share the content freely and responsibly.

General Terms & Conditions

Restrictions on Use

The contents of this Website are protected by copyright and trademark laws, and are the property of their owners. You may download one copy of posted materials for personal, noncommercial use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright notice. When you download copyrighted material, you do not obtain any ownership rights in that material.

You may not modify, copy, publish, display, transmit, adapt or in any way exploit the content of the Website.

You must abide by all additional copyright notices or other restrictions on the Site. 

You agree not to do any of the following while using the Site:

• harass, stalk or otherwise abuse another user or author;
• transmit or otherwise make available any content that is false, harmful, threatening, abusive, tortious, defamatory, libelous, disparaging (including disparaging of the Site), vulgar, obscene, pornographic or that promotes violence, racial hatred, terrorism or illegal acts, or is otherwise objectionable (as determined by us in our sole discretions);
• transmit or otherwise make available any content that is unlawful or infringes, violates or misappropriates any patent, trademark, publicity right, privacy right, copyright or any other intellectual property or any other rights of any third party; transmit or otherwise make available through the Site any personal advertising, junk mail, spam, chain letters, pyramid schemes or offer for sale any products or services, except in areas specifically designated for such purposes; or violate any applicable local, state, federal or international laws, rules or regulations.

Hyperlinks

These Terms and Conditions apply only to this Website, and not to the sites of any other companies or organizations, including those to which this Website may link. Lumina Benefits is not responsible for the availability of any other Website to which this Website links. Lumina Benefits does not endorse or take responsibility for the contents, advertising, products or other materials made available through any other website. Under no circumstances will Lumina Benefits be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any other Website. You should direct any concerns to that website administrator or webmaster.

Limitation of Liability 

Under no circumstances, including but not limited to negligence, will Lumina Benefits be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on the Website, or any products or services provided pursuant to the Website, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability for incidental, consequential or other damages, so the above limitation or exclusion may not apply to you. In no event shall the total liability to you for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to Lumina Benefits, if any, for accessing the Website.

General Disclaimer

The content contained on this Website has been prepared by Lumina Benefits as a convenience to its donors, users, and Website visitors. Lumina Benefits has used reasonable efforts in collecting, preparing and providing such Content, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the Content contained in or linked to this Website or any other Website maintained by LuminaBenefits.

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL CONTENT IS PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND LUMINA BENEFITS EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE WEBSITE AND ALL ELEMENTS THEREOF, WHETHER IMPLIED, EXPRESS, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT OF THIRD-PARTY RIGHTS, SATISFACTORY QUALITY, QUIET ENJOYMENT AND ACCURACY. LUMINA BENEFITS MAKES NO WARRANTY THAT THE WEBSITE AND CONTENT IS ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

Personal Advice

The information contained in or made available through this Website (including but not limited to information contained on message boards, in text files, in products, from services, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, psychological, financial, medical, business or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. And, you should consult a licensed financial advisor for all matters pertaining to your personal or business finances. Lumina Benefits makes no representations or warranties concerning any action, or application by any person following the information offered or provided within or through the Website (including but not limited to any product or service purchased, utilized or otherwise obtained from this Website). Neither Lumina Benefits nor its partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death.

Copyright

All content included on this Website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Lumina Benefits or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this Website is the exclusive property of Lumina Benefits and protected by US and international copyright laws.

Trademarks 

The Hero Health and other Lumina Benefits logos, page headers, button icons, scripts, and service names are trademarks, registered trademarks or trade dress of Lumina Benefits or its affiliates in the US and/or other countries. Lumina Benefits trademarks and trade dress may not be used in connection with any product or service that is not Lumina Benefits’ in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Lumina Benefits. All other trademarks not owned by Lumina Benefits or its affiliates that appear on this Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Lumina Benefits or its affiliates.

Governing Law

This Terms of Use has been made in and will be construed and enforced solely in accordance with the laws of the United States of America and the State of North Carolina, U.S.A. as applied to agreements entered into and completely performed in the State of North Carolina. You agree to submit to exclusive subject matter jurisdiction, personal jurisdiction, and venue to the federal and state courts located in North Carolina.

YOU AND LUMINA BENEFITS AGREE THAT ANY PROCEEDINGS TO RESOLVE OR LITIGATE ANY DISPUTE WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS, AND THAT NEITHER YOU NOR LUMINA BENEFITS WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, A REPRESENTATIVE ACTION, A COLLECTIVE ACTION, A PRIVATE ATTORNEY-GENERAL ACTION, OR IN ANY PROCEEDING IN WHICH YOU OR LUMINA BENEFITS ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. YOU AND LUMINA BENEFITS FURTHER AGREE THAT NO PROCEEDING WILL BE JOINED, CONSOLIDATED, OR COMBINED WITH ANOTHER PROCEEDING WITHOUT THE PRIOR WRITTEN CONSENT OF YOU, LUMINA BENEFITS, AND ALL PARTIES TO ANY SUCH PROCEEDING.

Miscellaneous

This Terms of Use constitutes the entire agreement between you and Lumina Benefits and governs your use of the Website, superseding any prior agreements between you and Lumina Benefits. You will not assign the Terms of Use or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without the prior written consent of Lumina Benefits. Any purported assignment or delegation by you without the appropriate prior written consent of Lumina Benefits will be null and void. We may assign these Terms of Use or any rights hereunder without your consent. Failure by Lumina Benefits to insist on strict performance of any of the terms and conditions of this Terms of Use will not operate as a waiver by Lumina Benefits of that or any subsequent default or failure of performance. The Website are not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Lumina Benefits to any registration requirement within such jurisdiction or country. We reserve the right to limit the availability of the Website or any portion of the Website, to any person, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the service or other features that the Website provides. If any provision (or part thereof) contained in this Terms of Use is determined to be void, invalid, or otherwise unenforceable by a court of competent jurisdiction or on account of a conflict with an applicable government regulation, such determination shall not affect the remaining provisions (or parts thereof) contained herein and the illegal, invalid, or unenforceable clause shall be modified in compliance with applicable law in a manner that most closely matches the intent of the original language. No joint venture, partnership, employment, or agency relationship exists between you and Lumina Benefits as result of this Terms of Use or your utilization of the Website. Headings herein are for convenience only.

Terms of Use: last updated July 31, 2020.

Privacy Policy

Your privacy is important to Lumina Benefits. This privacy notice applies solely to the information collected online. Below are terms and conditions regarding the collection and use of this data:

Information Collection, Use, and Sharing

Lumina Benefits is the sole owner of the information collected on this Website. Lumina Benefits only has access to and collects information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.

Unless you ask us not to, we may contact you via email in the future to tell you about new products or services, opportunities to get involved in Lumina Benefits’ programs, or changes to this privacy policy.

We may also collect certain non-personal information (data in a form that does not support direct association with any specific person or individual) by automated means when you visit the Website.

Your Access to and Control Over Information

You may opt out of future outreach from Lumina Benefits at any time. You can do this at any time by clicking the link in any outreach email or by contacting Lumina Benefits directly using the form on the following webpage: https://www.herohealthplans.com

You may also use the above form to learn what data Lumina Benefits has about you, change or correct any data Lumina Benefits has about you, request that Lumina Benefits delete any data about you, or express a concern you have about Lumina Benefits’ use of your data.

Security

Lumina Benefits takes precautions to protect your information. When you submit sensitive information via the Website, your information is protected both online and offline. 

Lumina Benefits does not use this Website to collect or store any protected health information (PHI) as defined by the Health Insurance Portability and Accountability Act (HIPAA). 

Hyperlink Privacy

This Website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of other such sites. We encourage our users to be aware when they leave our Site and to read the privacy statements of any other Website that collects personally identifiable information.

Surveys

From time-to-time our Website requests information via surveys. Participation in these surveys  is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and address), and demographic information (such as zip code, age range). Survey information will be used for purposes of monitoring or improving the use and satisfaction of this Site.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via the following webpage: https://www.herohealthplans.com

Subject to Change

We may update this Privacy Policy from time to time, so please check this Privacy Policy periodically for changes. The date this Privacy Policy was last updated is stated at the end of this document.

Contact Us

You can contact Lumina Benefits using the form on the following webpage: https://www.herohealthplans.com

This Privacy Policy is effective as of July 31, 2020.