Privacy and Security Policy
Parameds.com, a PDC Company

Introduction
Serving the Insurance Industry since 1998-- Parameds.com, a PDC company, is the premier provider of APS Retrieval and Summary Services, Exam Solutions, and Underwriting/Claims Support to the Insurance Industry.  Incorporating the latest in technological advancements with best-in-class time service and customer support, PDC has revolutionized how the Life, Disability, Long-Term Care, and Health insurance industry orders, tracks, and retrieves requirements and related risk management services.

As a privately heldservice-based company, PDC’s strength emanates from the commitment of our nationwide network of requirement retrieval specialists and risk management professionals to achieve professional excellence and provide outstanding customer service.

A fundamental commitment to PDC’s clients and their customers is our strenuous adherence to privacy and security policies designed to safeguard any and all health related records that come into our possession.

Security Policies and Practices
PDC and all its employees and contractors are contractually obligated to adhere to strict information privacy/security policies and practices. These policies expressly prohibit the inappropriate disclosure, alteration or destruction of health records or any form of client information.  Examples of protected confidential information include but are not limited to: personal data and information, health records, customer lists, and information pertaining to PDC’s clients.

Any persons found in violation of these signed agreements are subject to disciplinary action as well as dismissal and possible legal action.

All of our employees and contractors are responsible for safeguarding both information and physical assets that store information as well as using computing resources in a secure, ethical and lawful manner. 

Authorizations and Declinations
PDC is authorized to act as a representative of our insurer clients to obtain and review personal (medical and non-medical) information for any requested individual applying for an insurance policy.  Collection and use of this information is for underwriting and claims risk management purposes.

PDC only gathers and discloses information with the insurer as it is expressly requested by said insurer and agreed to by the applicant’s written authorization originally obtained by said insurer.  If an applicant wishes to not have information gathered, said applicant must notify the insurer that originated the information gathering request.

Security Measures
PDC takes seriously the security of the information it collects, and strict physical security measures as well as business continuity and disaster recovery plans provide for the protection of PDC information, assets, and sensitive applications and data.  It is PDC’s policy to protect computer hardware, software, data and documentation from misuse, theft, unauthorized access and environmental hazards. Any and all transmission of personal information is encrypted using Secure Socket Layer (SSL), the industry-standard encryption technology. Encryption provides a secure means to protect information as it passes over the Web between servers.

The facilities that house our servers, network devices, backup storage media and other equipment and information are physically secured and attended.  For security and network maintenance purposes only authorized PDC employees monitor equipment, systems and network traffic and employee/contractor access to the system is restricted by highly secure passwords. We perform risk assessment, security audits, and system test activities on an ongoing basis. Our employees and contractors receive frequent training and reminders regarding information security and protecting the confidentiality of information

Terms of Use for www.parameds.com
Welcome to the website (the "Site") of Parameds.com, a PDC Company, (www.parameds.com). Please carefully review these Terms of Use ("Terms"). Your use of this Site constitutes your acceptance of these Terms. If you do not agree to abide by all of the provisions contained in these Terms, you must not use or access the Site.

Authorization
We control and operate this Site from the United States of America and visitors to the Site may use the public areas of the Site for informational purposes and are subject to these Terms. In addition, certain areas of this Site are restricted and contain information and functionality intended only for authorized professionals. Accordingly, PDC reserves the right to limit access to certain areas of the Site to authorized professionals who meet the qualifications imposed by us. The resources in the password-protected areas of this Site are specific to and intended for authorized professionals who specialize in the best-in-class services that we provide. We reserve the right to discontinue access to any restricted area of the Site at any time, without notice to you, for any reason. If you are or become a registered user, you are responsible for maintaining the confidentiality of your User ID and password. If you become aware of unauthorized use of your User ID and password, you agree to immediately notify PDC.

User Communication
PDC is pleased to hear from visitors and welcomes your comments regarding the Site. Please be advised, however, that PDC and its employees do not accept or consider unsolicited ideas, including ideas for new products or technologies, processes, materials, marketing plans, or new product names. Please do not send your unsolicited ideas or any original materials to PDC or anyone at PDC. If, despite this request, you still send PDC your ideas and materials, please understand that by submitting the information through this Site, you assign PDC, free of charge, all worldwide rights, title and interest in all copyrights and other intellectual property rights in the information or materials you submit. We will be entitled to use any information and materials you submit through this Site for any purpose whatsoever without restriction and without compensating you in any way, and by submitting any such information and materials, you represent to PDC that you have the right to do so.

Resume Submission
PDC may allow online submission of resumes in response to job postings on the Site. Your personal information is subject to our Privacy Policy. You agree not to post any false or inaccurate biographical information. Recruiters representing candidates may not send candidates' resumes in response to job postings on the Site. PDC cannot be held responsible for any loss arising from the transmission or use of resumes obtained through the Site.

Links
The Site may provide links to web sites by third parties. Please refer to the separate terms of use, privacy policies, and other rules posted on these sites before you use them. Third party links are provided merely as a convenience to you, and the inclusion of any link does not imply affiliation or endorsement by PDC. PDC does not review, monitor or check the accuracy of content published on third party sites, and is not responsible for the availability of, and content provided on, third party sites. If you choose to purchase any products or services from a third party, your relationship is directly with the third party and PDC is not responsible for any loss or damage of any sort you may incur from dealing with any third party.
You may not link or hyper-link to any portion of www.parameds.com without express permission and written authorization governing the terms of said linkage.

Disclaimer of Warranty and Liability
PDC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, FOR THE SITE AND ALL CONTENT HEREIN.  ANY CONTENT, MATERIALS, OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK. PDC SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, OR INFORMATION. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PDC OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.  IN NO EVENT SHALL PDC BE LIABLE FOR ANY DAMAGES OF ANY KIND INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM ACCESS TO, OR USE OF, THE SITE OR ANY SERVICES PROVIDED THROUGH THE SITE.

Indemnity
You agree to indemnify, defend and hold PDC, its parents, subsidiaries, affiliates, directors, officers, employees and agents, harmless from any claim, demand, liability, expense, or loss, including reasonable attorneys' fees, made by any third party due to or arising out of, or in any way connected with your use of or access to the Site or your violation of these Terms.

Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of New York. In the event of any conflict between foreign laws, rules and regulations and those of the United States, the laws, rules and regulations of the United States shall govern. The United Nations Convention on Contracts for the International Sale of Goods will not apply to these Terms.
In the event that any provision of these Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, the determination shall affect only the portion of the provision determined to be invalid, unenforceable, or void, and shall not affect the remainder of that provision in any way. You agree to allow a court or arbitrator to replace such an invalid, unenforceable, or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable, or void provision. PDC's failure to act with respect to any breach by you does not constitute a waiver of our right to act with respect to subsequent or similar breaches.

PDC may assign its rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. You may not assign these Terms without the prior written consent of PDC.

These Terms, the Privacy and Security Policy, any operating rules, policies, or procedures that may be posted from time to time by PDC on the Site, and any modifications to the foregoing, constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties or partners for any purpose.

Acknowledgment
By accessing this Site or registering with PDC, you agree to all the terms and conditions of these Terms. You acknowledge (a) that you have read and understood these Terms; and (b) that these Terms have the same force and effect as a signed agreement.

Copyright Notice
Any trademarks, service marks and logos displayed on this Site are registered and unregistered trademarks of PDC, its affiliates or subsidiaries, or third parties who have licensed their trademarks to PDC or one of its affiliates or subsidiaries and all content contained herein is protected by copyright, patents or other proprietary agreements and laws and you are only permitted to use Content as expressly authorized by PDC, its affiliates or its licensors. Nothing contained herein transfers any right, title, or interest in the Site or the Content to you. You may download, view, copy and print Content, subject to the following: (a) the Content may be used solely for personal, informational, or internal business purposes; (b) any and all copyright, trademark and other proprietary rights notices must appear on all copies, including the copyright notice at the bottom of the page; (c) the Content may not be modified or altered in any way; and (d) no graphics may be used separate from accompanying text. Except as provided above, you may not use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit, frame, mirror on another Web service, use any meta tags, inline any graphics or distribute any Content or information from the Site in whole or in part without the express permission of PDC. Any rights not expressly granted herein are reserved.

Helpful links for more information on health information privacy rights in the United States of America: www.privacyrights.org