Website Terms & Conditions of Use
You may only use the Online Properties if you can form a binding contract with us, and only if you comply with these Terms and all applicable local, state, national, and international laws, rules, and regulations.
We may alter these Terms without notice, and your continued use of the Online Properties signifies that you agree to be bound by any future changes. You are encouraged to review these Terms at regular intervals to monitor for updates. If you do not agree, you should not use our Online Properties.
Please read these Terms & Conditions carefully.
1. Your access to this Website is governed by these Terms.
These Terms govern your access to and use of this Website and any content provided to you on, from, or through our Website, a social networking or media site or via email (collectively the “Online Properties”). This content is collectively encompassed by references to the Website throughout these Terms.
2. Our information collection, use, and disclosure.
3. Use of our Online Properties does not constitute the formation of a provider-patient relationship and does not provide medical advice.
The Online Properties content is provided only for informational and educational purposes. “Content” means any and all text, images, videos, blogs, information, logos, images, software, videos, text, graphics, photos, sounds, music, audiovisual combinations, interactive features, collections and other materials you may view on, access through, or contribute to the Online Properties.
Our creation and maintenance of the Online Properties do not constitute the practice of medicine. The Online Properties are offered only for educational purposes, based upon our proficiency in, knowledge of, and experience with the topics provided. The Content does not constitute medical advice and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. If you have concerns about any medical condition, diagnosis, or treatment, please make an appointment directly with a healthcare provider.
In an emergency, call 911.
The Online Properties should not be utilized as a replacement for current or future medical advice, diagnosis, or treatment.
You acknowledge that visiting or viewing any of our Online Properties does not create a provider-patient relationship between you and NWIP and does not create any duty for us to follow up with you about any medical condition, diagnosis, or treatment.
4. Do not share protected health information via Online Properties.
Because we do not store or transmit protected health information (“PHI”) through the Online Properties, our activities as they relate to this Website and its Content do not comply with the Health Insurance Portability and Accountability Act (“HIPAA”).
Do not use any Online Properties to provide, transmit, store, or disclose any health information that constitutes PHI. We have no affirmative duty to monitor whether you provide, transmit, store, or disclose PHI while using the Online Properties.
If you violate these Terms and share PHI through the Online Properties anyway, or if we become aware that you are using, providing, transmitting, storing, or disclosing PHI, we may revoke your access to the Online Properties.
Remember that once you share information online, it may be impossible to make that information private again. If you use, provide, transmit, store, or disclose PHI through the Online Properties, you agree to indemnify NWIP and its employees, officers, directors and owners (collectively “NWIP Parties”) from and against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorney fees and costs) which arise from your use, provision, transmission, storage, or disclosure of PHI.
5. Your permitted uses of our Content.
We and our licensors own the entirety of the Content on our Online Properties. The Content is protected by United States, state, and worldwide copyright laws and treaty provisions.
Except as provided above, you may not: copy, reproduce, modify, use, republish, upload, post, transmit, or distribute any of the Content, including any trademarks, names, or logos, and you may not redeliver or present any of the pages, text, images, or the Content using “framing” technology, nor systematically retrieve data, information, or the Content to create a collection, compilation, database, or directory. We reserve all rights not expressly granted.
6. Rules governing your conduct while viewing our Online Properties.
We have the right, but not the obligation, to monitor all conduct on the Online Properties. You expressly agree that you will not: deceive, harass, stalk, harm, or exploit any other users; distribute spam; collect or record information about other users; or advertise or solicit others to purchase any product or service. You will not use the Online Properties or Content: for any unlawful purpose; to solicit others to perform or participate in unlawful acts; for any obscene purpose; to violate any regulations, rules, law, or ordinances; to submit false or misleading information; to upload or transmit any viruses or any other type of malicious code that will be used in a way that will affect the functionality or operation of the Online Properties; or to collect or track the personal information of others. We reserve the right to terminate your use of the Website for engaging in such conduct.
7. Use of our Online Properties is only intended for users 18 years of age or older.
The Online Properties are intended solely for adults 18 years of age or older. They are not intended or designed to attract visitors who are under the age of eighteen. If we determine that a visitor is under the age of eighteen, we do not collect personally identifiable information about them. If we inadvertently or accidentally encounter personally identifiable information about a child under the age of eighteen, we will not knowingly disclose that information to any third party.
8. Disclaimer of liability and statement of no warranty.
THE ONLINE PROPERTIES AND ALL CONTENT ARE PROVIDED ON AN “AS IS” BASIS. WE MAKE NO REPRESENTATIONS, and NO EXPRESS OR IMPLIED WARRANTIES, WITH RESPECT TO THE CONTENT, or OTHERWISE REGARDING THE ONLINE PROPERTIES OR ANY WEBSITE OR OTHER ONLINE PROPERTY LINKED THROUGH OUR ONLINE PROPERTIES.
TO THE FULLEST EXTENT PERMITTED by LAW, WE DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. WE DO NOT WARRANT THE ACCURACY, RELIABILITY, COMPLETENESS, CURRENTNESS, TIMELINESS, OR AVAILABILITY OF THE ONLINE PROPERTIES OR THE CONTENT.
By viewing the Online Properties and Content you demonstrate that you assume the risk of accessing and using the information provided. We reserve the right to correct any errors or inaccuracies at any time without prior notice. We are not responsible for any errors or omissions in the information provided.
We are not responsible to you or others for any loss or damage that results from your use (or non-use) of the Online Properties or any linked third party’s online properties. These potential losses or damages include, but are not limited to: direct, indirect, special, consequential, compensatory, or incidental damage; lost profits or data; damage to your computer resulting from viruses; loss of or damage to other property; claims of third parties; or penalties resulting from copying or displaying the Online Properties.
We are not responsible for these consequences, regardless of whether we have been advised or knew or should have known of the possibility of such damages or claims. Your sole and exclusive remedy against NNWIP is to stop using the Online Properties. Without limiting the preceding paragraphs, you expressly release NWIP Parties from any responsibility and/or liability relating to your use of the Online Properties, linked websites, or information contained in the Online Properties or linked websites.
9. Information that you provide via the Online Properties.
You are responsible for the information that you send, submit, or provide through the Online Properties. You agree not to transmit information that is illegal, threatening, libelous, defamatory, obscene, ethnically or racially offensive or discriminatory, profane, invasive of another’s privacy, or violative of any law or confidentiality agreement.
10. Your agreement to indemnify.
You agree to indemnify all NWIP Parties against any damages, losses, liabilities, judgments, costs, or expenses (including reasonable attorney fees and costs) arising out of any third party’s claims that relate to your use of the Online Properties and the Content.
13. Our operation of this Website.
We make all reasonable efforts to keep this Website operational and available. These efforts are subject to scheduled maintenance, unscheduled maintenance, and systems outages. We do not provide any assurance or warranty that: access will always be available; service will be uninterrupted; its operation will be error-free; any defects will be corrected; or that our Website’s servers are free from viruses or other harmful components. You agree to assume the entire cost of servicing, repairing, or correcting your property as might be necessitated by your use.
14. General Terms.
Any adversarial proceedings which arise out of these Terms will be governed by the laws of the State of Oregon without giving effect to its principles of conflicts of law. The exclusive venue for any claim under these Terms must be brought in Oregon.
If any provision of these Terms is held to be unenforceable, then that provision will be modified to the minimum extent necessary to make it enforceable unless that modification is not permitted by law, in which case that provision will be disregarded. You agree that, if an unenforceable provision is modified or disregarded in accordance with this paragraph, then the rest of these Terms will remain in effect as written. And you agree that any unenforceable provision will remain as written in any circumstances other than those in which the provision is held to be unenforceable.
Pursuant to the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 CFR Part 255 Sections 255.0 through 255.5, we reserve the right to provide links on this Website that may be affiliated links. This means that we may be paid if you purchase products or services through affiliates’ links.
By your continued use of the Online Properties, you understand and acknowledge that you have read the Terms, and you agree to be bound to them.
1. How we collect information about you.
Our Online Properties routinely collect information about the origin and site navigation of visitors to the Online Properties. This data might include technical information (e.g., your processor type, processor speed, operating system type, browser type, audio devices, modem devices, video cards, page views, and protocol address). Collected technical information is not linked to any of your personal identifying information. We may use this information to manage or modify the Online Properties.
NWIP only collects personally identifiable information if you expressly provide it to us. On our Online Properties we will only collect your name, email address and phone number.
2. How we use your information.
We may use personally identifiable information that you share with us as follows. We may use it: (1) if you elect to receive information about our programs, items, or services, to provide you with such information, including for our own marketing and promotional materials; (2) to improve the Online Properties; (3) to communicate with you about appointments, office closings and other administrative activities, and (4) to create non-personal summary or aggregate data for business analysis, market analysis, communications management, research, planning, and other lawful purposes. We will never sell or lease your information.
If you no longer wish to receive our marketing or promotional communications, please contact us with your request. We will respect your wish to opt-out of communications.
3. Do not provide us with your PHI.
a. We take confidentiality and privacy seriously. The Online Properties are not intended to transmit or store protected health information (“PHI”). Our activities as they relate to the Online Properties may not comply with the Health Insurance Portability and Accountability Act (“HIPAA”) or similar laws pertaining to the use of PHI. The protections extended to our practice’s records and data are not necessarily extended to non-PHI-related information shared or transmitted on the Online Properties, unless expressly stated otherwise.
b. We have no affirmative duty to monitor the information that you provide. It is important that you not use, provide, transmit, store, or disclose any PHI through our Online Properties. We have no affirmative duty to monitor the sensitivity or type of the data that you might provide, transmit, store, or disclose while using this Online Properties. If we have actual knowledge that you are using, providing, transmitting, storing, or disclosing PHI through our Online Properties, we may revoke your access to the Online Properties.
c. You indemnify us against damages from your sharing of PHI. If you use, provide, transmit, store, or disclose PHI in connection with the Online Properties, you agree to indemnify NWIP and its employees, officers, directors and owners from and against any damages, losses, liabilities, judgments, costs, or expenses (including reasonable attorney fees and costs) arising out such use, provision, transmission, storage, or disclosure of PHI.
4. This Online Properties is not intended for children under the age of 18.
The Online Properties are not intended or designed to attract children under the age of eighteen, and we do not collect personally identifiable information from any person whom we know to be under the age of eighteen. If we inadvertently come to possess personally identifiable information about a child under the age of eighteen, we will not knowingly disclose that information to any third party.
6. Not subject to other data protection legislation.
Our practice and Online Properties are targeted at individuals who live in the United States. We do not intend to collect, use or process personal information of individuals who live or reside outside of the United States and therefore we make no guarantee of compliance with any data protection laws of any jurisdiction outside of the United States, including without limitation, the European Union, Australia and Canada.
7. “Do Not Track” feature.
For some web browsers, a “Do Not Track” feature is available to signal that you do not want the websites that you visit to track your online activity. How browsers communicate and respond to the Do Not Track feature is not yet uniform. For this reason, like with many other websites, the Online Properties does not currently respond to or alter its practices in response to a Do Not Track signal.
By your continued use of our Online Properties, you acknowledge and understand that third parties may collect personal information regarding your online activities over time and across different websites when you visit the Online Properties or other websites and services. To find out more about the “Do Not Track” feature, you may visit www.allaboutdnt.com.
8. How to Contact Us
Your Rights and Protections Against Surprise Medical Bill
Effective January 1, 2022, the No Surprises Act, which Congress passed as part of the Consolidated Appropriations Act of 2021, is designed to protect patients from surprise bills for emergency services at out-of-network facilities or for out-of-network providers at in-network facilities, holding them liable only for in-network cost-sharing amounts. This is known as “balance billing” or “surprise billing”. The No Surprises Act also enables uninsured patients to receive a good faith estimate of the cost of care.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or services.
You’re protected from balance billing for:
Emergency services. If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as copayments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
Oregon’s balance billing law (ORS 743B.287) prohibits out of network provider at an in-network
facility from balance billing more than patient’s in-network cost sharing responsibility.
Certain services at an in-network hospital or ambulatory surgical center. When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other types of services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.
You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network.
When balance billing isn’t allowed, you also have these protections:
You’re only responsible for paying your share of the cost (like the copayments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of-network providers and facilities directly.
Generally, your health plan must:
Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”).
Cover emergency services by out-of-network providers.
Base what you owe the provider or facility (cost-sharing) on what it would pay an innetwork provider or facility and show that amount in your explanation of benefits.
Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit.
If you think you’ve been wrongly billed, you may contact:
For Federal law:
No Surprises Act information and complaints: 1-800-985-3059
For Oregon law:
Call the Oregon, Division of Financial Regulation at 888-877-4894 or file a complaint at https://dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx or email: DFRInsuranceHelp@dcbs.oregon.gov.
visit https://www.oregon.gov/oblpct/pages/index.aspx for more information about your rights under the state of Oregon.