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 Terms & Conditions
The following terms and conditions ("Terms") govern your use of this Web Site (the "Site"), and by accessing, viewing, or using the material on the Site, you accept these Terms and agree to be legally bound by them. Please read the terms carefully. If you do not accept the Terms, please exit the Site immediately.
- Proprietary Rights.
Unless otherwise indicated, Claims Management Services, Inc. (TCS) is the owner of the copyright in the entire content (including images, text and look and feel attributes) of www.TCSins.com and in the selection, coordination, arrangement, organization and enhancement of Site content as a collective work and/or compilation. Removing or altering the copyright notice on any material on the Site is prohibited. Any commercial use of Site content or format is prohibited without the prior written consent of TCS. Except as indicated, TCS owns all trademarks, service marks or other logos featured on the Site. Use or misuse of these trademarks, service marks or logos is expressly prohibited and may violate federal and state law.
- Communications With Our Web Site.
Any feedback, suggestions, or other information that you submit to TCS via this Site, may be used, reproduced, modified, adapted, published, translated, distributed, redistributed, transmitted, performed or displayed worldwide by TCS and/or may be incorporated in other works in any form, media, or technology now known or later developed without further permission or license from you. Further, TCS is free to use any ideas, concepts, know-how, techniques, and suggestions contained in any communications you send to this Site for any purpose whatever, including but not limited to creating and marketing products and/or services using such information.
- No Medical Services or Advice.
Nothing contained, expressed or implied in the Site is intended or shall be construed as medical advice. No doctor-patient relationship is established between TCS and you by reason of your use of this Site. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.
- No Legal Advice.
The information in this Site is intended only for general informational purposes. Nothing contained, expressed, or implied in this Site is intended or shall be construed as legal advice, and no attorney-client relationship between you and TCS is formed by your use of this Site. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this Site, you should contact legal counsel of your choice.
- Disclaimer of Warranty and Liability.
THE MATERIALS ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. TCS SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS, AND UNDER NO CIRCUMSTANCES WILL TCS LIABILITY TO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE.
- Corrections and Changes.
TCS may make changes to these materials, or to the products or services described herein, at any time without notice, and makes no commitment to update the information contained herein. TCS does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials.
- Indemnification.
You agree to defend, indemnify, and hold harmless TCS, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, agents, predecessors, successors, assigns, and attorneys form and against all injuries, claims, losses, damages, liabilities, costs and expenses (including reasonable attorneys fees and litigation expenses) relating to or arising from any violation of these Terms or any activity related to your account by you or any other person accessing the Site using your account.
- Links to Other Web Sites.
This Site may contain links to other Internet Web sites for your convenience. Such third-party sites are maintained by persons or organizations over which TCS exercises no control, and TCS expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites or the privacy practices of such sites. Including links to third party Web sites does not imply endorsement by TCS.
- Governing Law and Jurisdiction.
These Terms will be governed by and construed in accordance with the laws of the State of Wisconsin, without reference to its choice of law rules. You consent to the jurisdiction of the federal and state courts presiding in Milwaukee, Wisconsin, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available.
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 Collection and Use of Information
This site is owned and operated by Total Cliams Solution (TCS). Any activity on this site is subject to monitoring by TCS at any time. No personally identifiable information is collected in this routine activity, and subsequently, TCS reserves the right to use and share or disclose this information with others.
When you log on to our website and communicate with us via our site, we do not collect personal information about you unless you provide it to us voluntarily. Personal information is any information or data that is unique to an individual such as a name, social security number, address, birth date, etc. Portions of our website may allow you to provide us with personal information in order to deliver requested materials, products or services to you, respond to your questions, or enable to you to update information or sign up for TCS programs. Any personal information that you provide via our website is used exclusively for the purpose stated and contained on the website page. TCS does not sell, license, transmit or disclose personal information that you provide to us outside of TCS and its affiliated companies except with the following exceptions:
- Upon your authorization
- When such disclosure is
necessary to support TCS and its contractors or agents
to carry out treatment, payment or health care
operations
- When required or permitted by law Any such disclosure of any personal information is performed within the parameters of applicable laws and regulations, and the personal information is used only for the purpose it was provided.
- Security
- Our Web Site requires users
to provide unique identifiers, such as subscriber
identification numbers, in order to log into some of
the web site pages. TCS utilizes these unique
identifiers to verify the user’s identify and
eligibility, in order to protect our members from the
release of personally identifiable information to
unauthorized users.
- Internet Protocol Addresses
- An Internet Protocol address
is a number that automatically identifies the computer
or machine that you are using to access the Internet.
The address enables our server to send you the web
pages that you want to visit. It may disclose the
server owned by your Internet Service Provider.
- Cookies
- Cookies are pieces of information that a web site transfers to a user’s computer for purposes of storing information regarding user’s preferences. By themselves, cookies do not personally identify users, although they do identify a user’s computer. A user can opt not to take advantage of the cookie benefits by setting his or her browser to refuse cookies.
 Your Financial Information
We collect and use several types of financial information to carry out health insurance activities. This includes information that you give us on applications or other forms, such as your name, address, age, and dependents. We keep records about your business with our affiliates, others, or us such as insurance coverage, premiums, and payment history.
We use physical, technical, and procedural methods to protect your private information. We share it only with our employees; affiliates or others who need it to provide service on your policy, to do insurance business, or for other legally allowed or required purposes.
You do not need to do anything as a result of this notice. It is meant to inform you of how we protect your nonpublic personal financial information.
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