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Terms and Conditions Member

Last updated November 27, 2015.

Terms of Service and Privacy Policy Member:

*YOU MUST BE OVER 21 for any access level

*YOU MUST BE 65 or older for Gray Membership

*YOU MUST BE an active or retired Military member for the Veterans Membership

Welcome to novusmedicalgroup.com (the “Site”), provided by Novus Medical Group,Inc., and its affiliates, subsidiaries, parent company and other related companies (“Us”, “We”, or “Novus”). This Novusmedicalgroup.com Privacy Policy (“Policy”) describes the information we gather from you when you use the Site, mobile applications, and related services (together, the “Services”) and how we use, process, and disclose that information. We may add to this Policy with other notices. We may also post additional privacy statements for some portions of the Services. By submitting personal information through our Services, you expressly consent to the transfer of your personal data to our servers for our collection, use, and disclosure in accordance with this Policy.

Information We Collect

When you create an account and use our Service, we collect the following types of information from you: First and Last Name, Contact information such as your email address and phone number,

Demographics information such as your gender and location, any other information, such as reviews, content, credit card information, order history you provide us. If you create an account using, or otherwise connect your account to, a social networking services account (e.g. Twitter or Facebook), we may also collect information provided to us by such social networking service including for example your: name, email address, birthday, geographic location, interests, profile picture, gender, networks, user ID, list of friends, and any information you have made public on such social networking account. We automatically collect information about how you use our services, for example, pages you have viewed. We also collect certain technical information about your device including your Internet protocol address, geo‐location information, your browser type, language and identifying information, your operating system and application version, device types, device model and manufacturer, device identifiers, and your device operating system type and version. We also use cookies, Web beacons, and URL information to gather information regarding the date and time of your visit and the information for which you searched and which you viewed. Cookies are small pieces of information that a website sends to your computer’s hard drive while you are viewing a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which usually stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. Web beacons are digital images that are used to log information on the Services or in our emails. We use Web beacons to manage cookies, count visits, and to learn what marketing works and what does not. We also use Web beacons to tell if you open or act on our emails. Others, including third party analytics service providers and advertising partners may also collect personally identifiable information about your online activities over time and across different Web sites when you use our Services, including as described in this Privacy Policy. This Policy does not apply to and we are not responsible for those other parties. Third party analytics services may use cookies and web beacons through our Site (for example Google Analytics and our credit card processor) and platform device identifiers and software agents on and through our mobile Services (for example Google Analytics) to provide us with information about how you use and interact with our Site. We encourage you to review the privacy policies of these third parties to learn about your choices about information they collect from you.

Sharing Of Your Information

Novus may allow you to connect and share your actions, comments, content, profile, and information publicly or with other people. You may control some of the categories of personal information shared via your profile from the account settings menu on the Site. Please be mindful of your own privacy needs as you choose who to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. Novus may also provide you with the option to share certain information from your Novus account with social networking services like Facebook, Google, or Twitter. We are not responsible for the use or re‐sharing by others of any of your information once it is made public. If you do not want your information to be made public, you should not use Novus in this manner and/or you should adjust your privacy setting(s)s on the applicable social networking service accordingly. We are not responsible for and we do not control these social networking services privacy practices. Please review the applicable privacy policy for information about how they use your information.

How Novus Uses Your Information

Novus generally uses your information to:

  1. Facilitate the creation of and secure your account on the Services,
  2. Identify you as a user in our system,
  3. Provide, personalize, and improve the Services,
  4. Communicate with you about your use of the Services,
  5. Provide our provider network with information about you for your order,
  6. Develop new products and services,
  7. Customize the advertising you view and recommend content,
  8. Fulfill your requests,
  9. Send newsletters, surveys, offers and promotional materials related to the Services and for other marketing purposes of Novus using your contact information,
  10. Protect, investigate, and prevent potentially fraudulent, unauthorized, or illegal activities,
  11. Protect our rights and the rights of other users, and
  12. As otherwise described in this Privacy Policy or in notices we provided to you.

We may also use your information to verify your geographic location. We may use your geographic location data to personalize our Service, to recommend content, determine whether the information you have requested is available in your location.

How Novus Discloses Your Information

We may share your information as follows:

  1. We may share your personal information with your consent or at your direction.
  2. We may also share your information with others who perform services on our behalf (for example, with Twilio or Asterisk if you make a call using the Service).
  3. We may disclose your information if we believe we are required to do so by law, or to comply with a court order, judicial or other government subpoena, or warrant.
  4. We also may disclose your information if we believe doing so is appropriate or necessary to prevent any liability, or fraudulent, abusive, or unlawful uses or to protect Novus and our Services; or any rights, property, or personal safety of Novus or others.
  5. In the event that Novus is or may be acquired by or merged with another company or involved in any other business deal (or negotiation of a business deal) involving sale or transfer of all or part of our business or assets, we may transfer or assign your information as part of or in connection with the transaction. Finally, in the event of insolvency, bankruptcy, or receivership, information may be transferred as a business asset. We may also share aggregated and anonymized data with our partners, advertisers, and other third parties.

Third Party Advertisers

We permit advertisements to be delivered to you by third party Internet advertising companies (also called ad networks or network advertisers). These companies may use cookies, Web beacons, platform device identifiers, software agents, and other technologies to collect non‐personally identifiable information about your visits over time on our Service and across other websites to deliver advertisements to you targeted to your interests, measure their effectiveness and personalize advertising content, and to understand the usage and visitation of the Services and the other applications and websites tracked by these advertising companies. We do not have access to or control over cookies, Web beacons, platform device identifiers, software agents, or other technologies that they may use. We are not responsible for the privacy practices of third party advertisers. You should check the privacy policy of the third party advertiser to determine how it handles information it separately collects from you. In addition, the Network Advertising Initiative offers information about some of the Internet advertising companies we may use.

Security

Novus takes commercially reasonable steps to help protect your Information against loss, misuse and unauthorized access, or disclosure. No company can fully prevent security risks, however. While we strive to protect your personal information, we cannot guarantee its absolute security. To help protect yourself and your information, choose a unique password for our Services and do not use a password on our Services that you would use on any other website or online service.Affiliate can only market to states where Novus MedPlan is licensed. Provider and Members can only sign up in states where Novus MedPlan is licensed.

Dispute Resolution

If you believe that Novus has not adhered to this Statement, please contact Novus by email at info@novusmedicalgroup.com. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation.

Information Choices

You may opt out of receiving promotional emails from Novus by following the instructions in those emails. If you opt out, we may still send you non‐promotional emails, such as emails about your accounts or our ongoing business relations. You may also send requests about your personal information, including changes to your contact preferences, changes to or deletions of your information or content you post, and requests to opt‐out of sharing your personal information with third parties by emailing info@Novusmedicalgroup.com. Please note that deletion of your information or content does not ensure complete or comprehensive removal of the content or information posted on the Services. When you visit the Site, others and we give you the following choices about use of mechanisms for tracking, including tracking of your online activities over time and across different websites and online services by third parties. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies from our Site or from third parties. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Site. To opt‐out of Google Analytics web tracking for certain browsers, you can download Google Analytics Opt‐out Browser Add‐on. You may opt out of other cookies that may be present on the Site by following the directions on Google’s opt‐out page, ScorecardResearch’s opt‐out page, and Quantcast’s opt out page. You can also choose to opt‐out of use of cookies by some of our third party advertising partners to deliver ads tailored to your profile and preferences. To find out more and opt‐out click here. However, while we and others give you choices as described in this policy, there are many ways in which Web browser signals and other similar mechanisms can indicate your choice to disable tracking, and our Site may not be aware of or honor every mechanism. You may have the right to know what personal information Novus has about you and to correct any inaccuracies. Please direct any such requests by email to info@novusmedicalgroup.com or by one of the other means listed below.

Changes and Updates to this Privacy Policy

From time to time, we may revise the Policy. To help you stay current of any changes, we note the date the Privacy Policy was last updated above.

Novus Contact Information

Please contact Novus with any questions or comments about this Policy, your information, our third‐party disclosure practices, or your consent choices.

Novus Medical Group, Inc.

Attention: Privacy Officer

12805 SW 84 Ave Road, 2nd Floor

Miami, FL 33156

Telephone: 855‐228‐7355

Email: info@Novusmedicalgroup.com

Payment

All major Credit/Debit Cards, Bankers Draft or ACH Transfer are all acceptable methods of payment. Our Terms are payment in full within thirty days. All goods remain the property of the Company until paid for in full. Monies that remain outstanding by the due date will incur late payment interest at the rate of 2% above the prevailing BV&T Bank of Florida and the base rate on the outstanding balance until such time as the balance is paid in full and final settlement. We reserve the right to seek recovery of any monies remaining unpaid sixty days from the date of invoice via collection Agencies. Returned checks will incur a $45 charge to cover banking fees and administrative costs. In an instance of a second Returned check, we reserve the right to terminate the arrangement and, if agreed to, we shall insist on future cash transactions only.

Consequently, all bookings and/or transactions and agreements entered into will cease with immediate effect until such time as any and all outstanding monies are recovered in full.

Cancellation Policy

Network membership with recurring premium payments may be cancelled at any time. You can do this by providing written notice to via email at info@novusmedicalgroup.com Or, you can deliver the notice directly to the Operations Manager our facility via certified mail to 12805 SW 84 Ave Road, 2nd floor, Miami, Florida 33156 or, If you deliver the notice in person, please be sure to get a receipt for your records. A cancellation postmarked at least 5 business days before your next billing date should result in no further recurring billing. If less than 5 business days, you may be billed one more time. If this occurs, Novus will refund that additional billing.

If you do decide to cancel your membership, you can still use the club for the additional time covered by the pre‐paid last month’s premium we collected at enrollment. Your last month prepaid dues will be applied to the month AFTER the month paid by your final recurring billing, and your membership will expire at the end of that prepaid last month.

Termination of Agreements and Refunds Policy

Both the Client and ourselves have the right to terminate any Services Agreement for any reason, including the ending of services that are already underway. No refunds shall be offered, where a Service is deemed to have begun and is, for all intents and purposes, underway. Any monies that have been paid to us which constitute payment in respect of the provision of unused Services, shall be refunded.

Availability

Unless otherwise stated, the services featured on this website are only available within the United States, or in relation to postings from the United States. All advertising is intended solely for the United States market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Log Files

We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need‐to‐know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

Cookies

Like most interactive web sites this Company’s website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.

Links to this website

You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Links from this website

We do not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. This Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Copyright Notice

Copyright and other relevant intellectual property rights exists on all text relating to the Company’s services and the full content of this website.

Communication

We have several different e‐mail addresses for different queries. These, and other contact information, can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, facsimile or mobile telephone numbers.

This company is registered in the state of Florida and is filed as a foreign corporation in your state, phone number 855‐228‐7355, registered office 12805 SW 84 Ave Road, 2nd Floor, Miami, FL 33156.

Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or manmade eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein.

Waiver

Failure of either Party to insist upon strict performance of any provision of this or any

Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

General

The laws of the State of Florida govern these terms and conditions. By accessing this website you consent to these terms and conditions and to the exclusive jurisdiction of the English courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorized representatives of the Company.

Notification of Changes

The Company reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers’ Personally Identifiable Information, notification by e‐mail or postal mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our web site 30 days prior to these changes taking place. You are therefore advised to re‐read this statement on a regular basis.

These terms and conditions form part of the Agreement between the Client and ourselves. Your accessing of this website and/or undertaking of a booking or

Agreement indicates your understanding, agreement to and acceptance, of the

Disclaimer Notice and the full Terms and Conditions contained herein. Your statutory Consumer Rights are unaffected.

© Novus MedPlan 2015 All Rights Reserved

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