Introduction and Acceptance of Terms
These Terms and Conditions (“Terms”) are between you and the Idaho State Insurance Fund also known as SIF, Idaho Workers’ Compensation (“SIF,” and govern your use of the website currently located at idahosif.org (referred to as the “Site”), and the products and services made available on or through the Site (referred to as “Services”). Please read the Terms carefully. SIF reserves the right to change the Terms with or without notice to you, and is effective upon publication on the Site. SIF encourages you to review these Terms when using the Site.
Your use of the Site and Services constitutes your consent and agreement to these Terms. If you do not agree to these Terms, you may not access or use the Site or Services. If you are using the Site or Services on behalf of a company or other organization, you represent that you have the legal authority to bind that organization to these Terms.
If there are any differences between these Terms and SIF’s Privacy Policy, the Terms take precedence in the event of a conflict.
Use of Site and Services
You may use the Services only if you are authorized by SIF and, where applicable, by the entity you represent. You agree to use Services only for lawful purposes and only in connection with your authorized activities.
To access certain Services, you may be required to create an account or be issued credentials. You agree to (i) provide accurate and current information, (ii) maintain the confidentiality of your username, and password, (iii) promptly notify SIF of any unauthorized access or suspected compromise, and (iv) accept responsibility for all activities that occur under your account. SIF is not liable for any loss or damage resulting from your failure to safeguard your credentials.
Certain access to Services may allow you to submit, upload, transmit, or otherwise provide information, documents, forms, or communications to SIF (“Submissions”). You represent and warrant that you have the right and authority to provide such Submissions and that they are accurate, complete, and not misleading to the best of your knowledge. You understand that submission through access to Services does not guarantee receipt or processing, and you are responsible for verifying Submissions were received.
The Site and Services are not intended for emergency communications. If you have a time-sensitive matter or require immediate assistance, you should contact SIF through the phone number or other contact methods provided on the Site.
Information provided through the Site and access to Services does not alter or amend any policy, endorsement, coverage determination, claim decision, medical bill determination, or other official action by SIF. Coverage is governed solely by the applicable policy.
You consent to receive communications from SIF electronically (including through the Site, by email, or other electronic means) in connection with your use of the Services. You agree that electronic communications satisfy any legal requirement that such communications be in writing.
Copyright and Trademark
The content on the Site is protected by copyright and/or trademark. Users are prohibited from copying, downloading, modifying, or distributing material from the Site for commercial use without SIF’s prior consent. All trademarks, service marks, and logos displayed on the Site are the property of SIF.
Disclaimers
Use of the Site and Services is provided “AS IS” and “AS AVAILABLE,” without any representations or warranties of any kind, whether express or implied. SIF expressly disclaims all warranties, whether express, implied, or statutory, with respect to any Services offered through the Site, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. SIF makes no warranty that the functions or operation on the Site will be uninterrupted, timely, complete or error-free. Despite SIF’s efforts to maintain the security of the Site, SIF makes no warranty that information supplied by you on the Site is secure. SIF makes no warranty or representation that any defects will be corrected or that the Site, its servers, or any electronic communications sent by or on behalf of SIF are free of viruses, malware, or other harmful components.
Third Party Websites
When using the Site and Services, you may be redirected to, or provided with links to, third-party websites. Use of any third-party website is subject to that website’s own policies, terms, and conditions, including those governing use and privacy. SIF encourages you to review the third-party terms before using a third-party website. If you do not agree to those terms, you should not access or use the third-party website.
SIF does not own, operate, or control third-party websites and makes no representations or warranties of any kind regarding the content, accuracy, completeness, availability, security, or reliability of any third-party website or any products, services, or information provided through such websites. SIF disclaims all liability for any loss or damage arising out of or related to your access to or use of any third-party website, including any reliance on content or information made available through such websites.
Limitation of Liability
To the fullest extent permitted by applicable law, SIF shall not be liable to you or any third- party for any special, punitive, incidental, indirect, or consequential damages of any kind. This includes, without limitation, damages for loss of use, loss of data, loss of profits, or business interruption, whether or not SIF has been advised of the possibility of such damages, and regardless of the theory of liability, in connection with your use of the Site or any third-party website through the Site.
Governing Law, Jurisdiction and Venue
Use of the Site shall be governed by the laws of the State of Idaho, without regard to conflict of law principles. By using the Site you submit to the jurisdiction of the State of Idaho, and any dispute related to the Site shall be brought in state or federal courts in Ada County, Idaho.
Disclaimer of Advice
The content on the Site is provided for general informational purposes only and should not be construed as advice.
Termination
SIF may terminate or suspend your access to or use of the Site and Services, in whole or in part at any time, with or without notice. Upon termination, without liability to you or any third party, your right to use the Site will cease immediately and SIF may permanently or temporarily delete your account and related information.
Miscellaneous
Failure by SIF to enforce the Terms and rights contained herein does not constitute a waiver of that right or provision.
If any provision of the Terms is determined to be unenforceable, void, or unlawful, that provision will be deemed severed from the Terms and will not affect the validity and enforceability of any remaining provision.
Any questions, concerns, or disputes about SIF or these Terms & Conditions, please contact us.
We Value Your Trust and Respect Your Privacy
We understand the importance of protecting the confidentiality and security of your personal information. We are committed to taking reasonable steps to protect your privacy.
Our Pledge
We pledge to you that we will never sell your personal information or transfer email addresses or any other personal information to unaffiliated third parties for marketing purposes. Your personal information will be used only for the business purposes as set forth herein. All employees are instructed on the importance of maintaining the confidentiality of such personal information. The unauthorized disclosure of personal information in SIF’s possession is prohibited by law.
Application of this Privacy Policy
This Privacy Policy applies to all personal information gathered by SIF either through personal interaction, traditional mail and delivery services, or the SIF website and governs data collection and usage. By using SIF services and website, you consent to the data practices described in this policy. This Privacy Policy discusses how we collect, use, and take steps to protect your personal information, as well as your right to access and correct that information. We reserve the right to change this Privacy Policy at any time for any reason without providing you notice. If we modify this Privacy Policy, we will post the changes on this page and change the “Last Updated” date at the top of the page. You are bound by any such revisions and should therefore visit this page routinely so that you remain aware of what we collect, how we use, and under what circumstances we may disclose your information.
Collection of Your Personal Information
SIF collects personal information through a variety of ways that directly identifies, or might reasonably be used to identify, an individual such as yourself. Examples of personal information include a name, address, phone number, email address, social security number, federal employer identification number, driver’s license number, credit or debit card number, policy or claim information, and health information. If you apply for a job or register with our Career Center, personal information may also be collected about your work and educational history.
Our Use of Your Personal Information
We take reasonable steps to maintain appropriate physical, electronic, and procedural safeguards to secure your personal information contained in our records. Internally, we restrict access to nonpublic personal information contained in our records about you to our employees who need to know that information to provide services to you. We may use personal information as follows:
- To provide a quote, underwrite and rate policies, respond to your inquiries, fulfill your requests, and complete your transactions.
- To process claims submitted by you or your employees.
- To service your insurance policy with us.
- To confirm or correct what we know about you.
- To help us prevent fraud and other crimes.
- To comply with applicable laws.
- To perform research or send you surveys.
- To send you information that we believe may be of interest to you.
- To personalize your experience with us.
- To inform you of job opportunities and to evaluate your suitability for a job.
- To contact you at a telephone number (including cell phones and other wireless devices) you provide to us. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.
- For our business purposes.
- As otherwise allowed by law.
How We May Disclose Personal Information
Our disclosure of personal information is limited as follows and in compliance with security protocols outlined herein:
- Within SIF.
- To third parties that help us manage or service our business. These third parties can include, but are not limited to, agents or brokers, other insurance companies, regulators, administrators, and service providers that provide services such as website hosting, data analysis, payment processing, SaaS providers and related infrastructure provision. The information voluntarily provided is limited to that necessary for the purpose of managing or servicing our business.
- To insurance support organizations and consumer reporting agencies. Information that we share with these organizations, such as your claims history, may be retained by them and disclosed to others.
- As we believe to be necessary or appropriate: (a) under applicable law; (b) to comply with legal process; (c) to respond to requests from government authorities pursuant to an order or statutory authority; (d) to respond to request from rating organizations, such as the National Council on Compensation Insurance (NCCI), to which SIF belongs (e) to enforce your workers’ compensation policy terms; (f) to protect our operations; (g) to protect our and/or you or others’ rights, privacy, safety, or property; (h) to detect and prevent fraud; and (i) to allow us to pursue available remedies or limit the damages that we may sustain.
Review of Your Personal Information
You, or your authorized representative, may submit a written request to review, copy and/or request changes to your personal information records in our possession in accordance with Idaho law.
Information Collected Through the Use of SIF’s Website
In addition to the personal information collection and sharing practices described in this Privacy Policy, we use cookies to help us recognize you when you return to our website and thus provide you with a more customized service. SIF also uses common tracking technologies provided by Google Analytics, which may include cookies or similar technologies. The information collected by SIF and Google Analytics through these technologies includes internet browser type, IP address, operating system version, and demographics. We use this information to enhance our ability to serve our current and prospective customers, for fraud detection and prevention, and for security purposes. We only collect information to the extent reasonably necessary to fulfill visitor requests or our legitimate business objectives. We do not respond to browser Do Not Track signals or other similar mechanisms; however, users who do not want their data reported by Google Analytics may install the Google Analytics opt out browser add on. Continued use of our website is your acknowledgement and acceptance of these practices.
SMS/Mobile Data
Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All sharing categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Third-Party Hyperlinks
If you click on a link or are diverted to a third-party site, you will be taken to websites we do not control. This Privacy Policy does not apply to the privacy practices of those websites. We encourage you to review the policies of third-party websites.
Safeguarding Personal Information
We seek to use reasonable organizational, technical and administrative security protocols to protect personal information in SIF’s possession. However, no data transmission or storage system can be guaranteed to be 100% secure. Therefore, the information contained in this Privacy Policy should not be construed in any way as warranting the security of information provided to SIF through this website or otherwise. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.
Contact Us
If you have any questions or comments about this Privacy Policy, please contact us.
When using the Site and Services, you may be redirected to, or provided with links to, third-party websites. Use of any third-party website is subject to that website’s own policies, terms, and conditions, including those governing use and privacy. SIF encourages you to review the third-party terms before using a third-party website. If you do not agree to those terms, you should not access or use the third-party website.
SIF does not own, operate, or control third-party websites and makes no representations or warranties of any kind regarding the content, accuracy, completeness, availability, security, or reliability of any third-party website or any products, services, or information provided through such websites. SIF disclaims all liability for any loss or damage arising out of or related to your access to or use of any third-party website, including any reliance on content or information made available through such websites.
Alacriti Terms of Service: https://www.alacriti.com/legal/end-user-orbipay-terms-of-service/
Alacriti Privacy Policy: https://www.alacriti.com/legal/end-user/orbipay-privacy-policy