Welcome! You have arrived at an online service location (e.g., web site or application) that is owned and operated by the Better Health Associates ("BHA" or "we," "our" or "us"). This "Privacy Policy" governs your use of any online service location (e.g., web site or application) that posts a link to this Privacy Policy, and also applies to your use of interactive features, widgets, plug-ins, applications, content, downloads and/or other services (collectively, the "Service") that: (i) we own and control and make available through an online service; or (ii) that posts a link to this Privacy Policy, regardless of how you access or use the Service, whether via personal computers, mobile devices or otherwise.

PLEASE READ THIS COOKIE STATEMENT CAREFULLY BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, PRODUCTS OR SERVICES THROUGH THE SERVICES. BY ACCESSING THE SERVICES, YOU AGREE TO ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THIS COOKIE STATEMENT. We reserve the right to change, update, or correct any of this Cookie Statement or any information contained in the Services at any time without notice by posting an amended statement to the Services. Your continued use of the Services means that you accept and agree to the revised Cookie Statement. If you do not accept this Cookie Statement (as amended from time to time), please exit the Services immediately.

To the extent we provide you notice on our Service of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use. By using our Service, you consent to our Privacy Policy and our collection, use and sharing of your information and data, and other activities, as described below.

The Information We Collect
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Our web servers automatically capture your domain name, the IP address of the web page from which you enter our Service, browser type, the pages you visit on our Service, the amount of time you spend here and other relevant information about your visit. We do not collect any information that can reveal your personal identity unless you voluntarily provide it when you register to use interactive features of the Service, including the sales portal, or to receive information from us or our member Better Health Associates ("BHA Plans").

The information we collect is not part of any designated record set.  If you use the features on this website or on the websites our business partners, you are “opting in” and agree to our collection of information as described above. You may “opt in” or “opt out” each time you access the website. If you “opt out,” you cannot use the interactive features, such as the sales portal or the National Doctor Hospital Finder.

Use of the Information this Service Gathers/Tracks

Any personally identifiable information you give us will be used only as permitted by law, including to provide the product, service or information you have requested, like a quote from one of the BHA companies, or to support the programs for which you registered. Unless you specifically consent to let us do so, your personally-identifiable information, including your e-mail address, will not be sold, rented, licensed, or otherwise shared with third parties, other than BHA Plans or business partners as appropriate to fulfill a request from you.  Additionally, unless subject to your consent, to fulfill a request from you, or as otherwise set forth in this Privacy Policy -

◾️We won’t send you any unsolicited e-mail ("spam"); and

◾️No information collected at this Service, in personally identifiable form or otherwise, will ever be used to affect your health insurance coverage, eligibility, premiums or claims payment by any Better Health Associates.


The non-personally identifiable information we gather in aggregate form may be used to improve our Service, and we may share that information with BHA Plans, business partners, third-party vendors working on our behalf, or our health and wellness sponsors. 

Information that you voluntarily provided will be maintained as long as BHA deems appropriate to fulfill the purpose for which you provided the information, until you request us to remove it, or for as long as permitted under applicable law.

To the fullest extent permitted by applicable law, we have complete discretion in electing to make or not make such disclosures, and to contest or not contest requests for such disclosures, all without notice to you.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third parties.

Third party analytics providers and ad servers

We may use third-party vendors to perform certain services on behalf of us or the Service, such as hosting the Service, designing and/or operating the Service’s features, tracking the Service’s activities, utilization of sharing technology that allows users to share content on this Site through social media, and analytics. We may provide these vendors with access to user information or they may directly collect your information to carry out the services they are performing for you or for us. Third-party analytics and other service providers may set and access their own tracking technologies on your device and they may otherwise collect or have access to information about you, potentially including personal information, about you. We are not responsible for those third party technologies or activities arising out of them. 

We may also work with certain third parties to provide us with information regarding traffic on the Service to serve advertisements elsewhere online, and to provide us with information regarding the use of our website or services and the effectiveness of our advertisements.  These third parties may automatically collect information about you using their own cookies or other technologies, or may otherwise collect or have access to, information about your visits to this and other websites, your IP address, your ISP, the browser you use to visit our website and other usage information.  Information collected may be used, among other things, to deliver advertising targeted to your interests and to better understand the usage and visitation of our website and the other sites tracked by these third parties. 

If you would like more information about this practice and to know your choices about not having this information used by these companies, you may visit:  http://www.aboutads.info/choices (for website users), http://www.networkadvertising.org/managing/opt_out.asp (for website users), http://youronlinechoices.eu/ (for users in the EU), or http://youradchoices.com/appchoices (for mobile app users).

Cookies Policy and Statement

When you visit the Service, we may place a temporary "session" or a permanent cookie on your computer that will allow us to customize and enhance your experience at the Service, make improvements to our Service, or to report Service activity. Our session cookies are not permanently stored on your computer and expire when you leave. Permanent cookies are issued to Service visitors who link the Service from a search engine and are used only to permit BHA to attract qualified users to the Service. Our cookies are not used to send spam. We store cookie information in aggregate form and use the aggregate information to make improvements to the Service or in internal reports on Service activity. You may opt out of allowing cookies to be placed on your computer.  Refusing cookies disables our ability to include information about your visit in our regular monitoring of Service traffic.

Cookies and Similar Technology Policy

What are cookies?

A cookie is a small amount of data sent from a web server to your browser and stored on your computer or mobile device’s hard drive while you are viewing the website.  We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our website.  This type of information is collected to make the Service more useful to you and to tailor your experience with us to meet your special interests and needs.

We use and store this information to provide you with more personalized and customized online services and to make our site more convenient, useful, valuable and appealing to you.We use two broad categories of cookies: (1) first party cookies, served directly by us to your computer or mobile device, which we use to recognize your computer or mobile device when it revisits our website; and (2) third party cookies, which are served by service providers on our website, and can be used by such service providers to recognize your computer or mobile device when it visits other websites.

Cookies we use

The Service may use the following types of cookies for the purposes set out below:
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Disabling cookies 

If you decide at any time that you no longer wish to accept cookies from our services for any of the purposes described above, then you can typically instruct your browser, by changing its settings, to remove or stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.  In order to do this, consult your browser’s technical information (instructions are usually located within the “settings,” “help” “tools” or “edit” facility). Many browsers are set to accept cookies until you change your settings.

Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org.

If you do not accept our cookies, you may experience some inconvenience or not be able to use all portions of the services or all functionality of the services.    

Pixel tags

In addition, we may use pixel tags (also referred to as clear GIFs, web beacons, or web bugs) on the Service to track the actions of users on website.  Pixel tags are tiny graphic images with a unique identifier, similar in function to cookies, which are used to track online movements of web users. In contrast to cookies, which are stored on a user’s computer hard drive, pixel tags are embedded invisibly in web pages.  Pixel tags also allow us to send email messages in a format users can read, and they tell us whether emails have been opened, for example, to ensure that we are sending messages that are of interest to our users. We may use this information to reduce or eliminate messages sent to a user.

Do not track signals

Some internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to do not track signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com. 

Sites We Link To

If you choose to use any of the links we provide to BHA Plans, sponsors, and other third party resources, you will be leaving our Service and going to a new web site. Protection of your privacy at those other sites will be governed by the privacy policy at that site. We’ve taken special care selecting the companies that are accessible through betterhealthassociates.com to try to ensure that they respect your privacy as we do, but please take the time to read the privacy policies at their sites.

What Should Parents Know About Children?

We understand the importance of protecting children’s privacy in the interactive world. We do not use the Service to knowingly collect personal information from children under the age of thirteen (13) without parental consent. If you are a child under 13 years of age, you are not permitted to use the Service and should not send any information about yourself to us through the Service.

In the event that we become aware that we have collected Personal Information from any child, we will dispose of that information in accordance with the Children’s Online Privacy Protection Act and other applicable laws and regulations. If you are a parent or guardian and you believe that your child under the age of 13 has provided us with information without your consent, please contact us at data@betterhealthassociates.com, and we will take reasonable steps to ensure that such information is deleted from our files.

Changes to this Policy

If we make any changes to this Privacy Policy, we will let you know the effective date of the changes and you can contact our Webmaster if you would like to know more about what’s new. If you have any questions or comments or receive any unwanted e-mail from this Service, please contact our Webmaster via e-mail at data@betterhealthassociates.com. Questions regarding the privacy policy of your independent, local Better Health Associates should be directed to that company.

TERMS

The following terms and conditions ("Terms and Conditions") govern your use of this Web Site (the "Site"), and by accessing, viewing, or using the material on the Site, you indicate that you understand and intend these Terms and Conditions to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such Terms and Conditions and agree to be legally bound by them. If you do not agree with the Terms and Conditions, you are not granted permission to use the Site and should exit immediately. 

Proprietary Rights
Communications With Our Web Site
No Solicitation or Offer
No Medical Services or AdviceNo Legal Advice
Confidentiality Cannot be Guaranteed
Privacy Statement
Securities Information
Disclaimer of Warranty and Liability
Corrections and Changes
Indemnification
Links to Other Websites
User Generated Content
Digital Millennium Copyright (DMC) Act
Use of the Internet
Governing Law and Jurisdiction

‍1. Proprietary Rights

All material contained in this Site is protected by law, including but not limited to, United States copyright law. Except as indicated, Better Health Associates is the owner of the copyright in the entire content (including images, text and look and feel attributes) of www.betterhealthassociates.com and reserves all rights in that regard. Removing or altering the copyright notice on any material on the Site is prohibited. BHA also owns a copyright in this Site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of Site content. Any commercial use of Site content is prohibited without the prior written consent of BHA. Except as indicated, BHA owns all trademarks, service marks or other logos featured on the Site. Use or misuse of these trademarks, service mark or logos is expressly prohibited and may violate federal and state law. Please be advised that BHA actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

2. Communications With Our Website

BHA welcomes your feedback and suggestions about how to improve our products and services and this Site. By transmitting any suggestions, information, material, or other content (collectively, "Content") to BHA, you automatically grant BHA the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content. Further, BHA 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. BHA is not responsible and shall not be liable for the contents of Content posted to the Site by visitors or persons other than BHA employees. Opinions or comments contained in Content reflect the views of the author and not of BHA unless BHA expressly states to the contrary.

3. No Solicitation or Offer

This Site is designed to provide general information about BHA, its products and services, and its Better Health companies. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Some products and/or services may not be available in all states or countries and in many instances may be offered only through employers or BHAcompanies and their affiliates or other BHA licensees. BHA is a trade association comprised of independent, locally-owned and operated BHAcompanies.

4. No Medical Services or Advice

Nothing contained, expressed or implied in the Site is intended as nor shall be construed as medical advice. No doctor-patient relationship is established between BHA and you by reason of your use of this Site or under any circumstances whatsoever. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.

5. No Legal Advice

Nothing contained, expressed, or implied in this Site is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation. No attorney-client relationship is established between BHA and you by reason of your use of this Site or under any circumstances whatever. The information in this Site if for general informational purposes only. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this Site, you should contact your own legal counsel.

6. Confidentiality Cannot be Guaranteed

Please be advised that the confidentiality of any communication or material transmitted to BHA via www.betterhealthassociates.com or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. To ensure private and personalized attention, you may also contact BHA by telephone at 312 -297-6000, or write us at BHA, 225 N. Michigan Avenue, Opa-Locka, Florida 60601, Attention. Web Team.

7. Privacy Statement

BHA has a Privacy Statement disclosing what information we collect about visitors, how we use such information, the steps we take to secure such information, how you can view and correct such information, and how you can decline to have information about you collected or used.

8. Securities Information

This Site and the information contained herein does not constitute an offer or a solicitation of an offer for the purchase or sale of any securities. The Site contains information and press releases about BHA, and although this information was believed to be accurate as of the date prepared, BHA disclaims any duty or obligation to update such information. To the extent that any information is deemed to be a "forward looking statement" as defined in the rules and regulations of the Securities Act of 1933, as amended, such information is intended to fit within the "safe harbor" for forward looking information and is subject to material risk factors which may or may not be disclosed herein.

9. Disclaimer of Warranty and Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. NEITHER BHA NOR ITS AFFILIATES ARE RESPONSIBLE FOR THE CONSEQUENCES OF RELIANCE ON ANY INFORMATION CONTAINED IN OR SUBMITTED TO THE SITE, AND THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THESE MATERIALS 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. BHA 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. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF BHA TO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE.

10. Corrections and Changes

The site may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that the Site may be interrupted, suspended and terminated from time to time. While we endeavor to keep the materials on the Site up to date, BHA cannot assume responsibility for any errors or omissions in these materials. BHA further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. BHA 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. BHA reserves the right to terminate your access to the Site in the event that you violate these Terms and Conditions, or for any reason whatever.

11. Indemnification

You agree to defend, indemnify, and hold harmless BHA, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the Site and any breach by you of these Terms and Conditions.

12. Links to Other Web Sites

This Site may, from time to time, contain links to other Internet Web sites for the convenience of users in locating information and services that may be of interest. Visitors to the Site acknowledge that these third-party sites are maintained by persons or organizations over which BHA exercises no control, and BHA 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. BHA does not control, endorse, promote, or have any affiliation with any other Web site unless expressly stated in the Site.

13. Use of Third Party Services

BHA does not control or manage the privacy practices of third parties, and you are subject to the privacy practices of those third parties when you use their services.This Site uses ShareThis, a sharing widget provided by ShareThis, Inc., which allows users to share content on this Site through social media. Information collected by ShareThis is subject to the ShareThis Privacy Policy. You may opt out of being tracked by ShareThis at http://sharethis.com/privacy.This Site also uses the tool “Google Analytics” to collect data on the use of this Site and help us better understand our visitors’ usage. To access Google Analytics’ privacy policy and/or opt out of being tracked by Google Analytics, please visit http://tools.google.com/dlpage/gaoptout.

‍Better Health Associates SMS TERMS OF SERVICE

Agreement to receive text messages

‍By providing your mobile number, you agree that Better Health Associates may send you periodic SMS or MMS messages containing but not limited to important information, updates, deals, and specials.

Message frequency may vary.You may unsubscribe at any time by texting the word STOP. You may receive a subsequent message confirming your opt-out request.For help, contact the number you received a text from us on.Message and data rates may apply.United States participating carriers Include AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, U.S. Cellular®, MetroPCS®, InterOp, Cellcom, C Spire Wireless, Cricket, Virgin Mobile, and others.T-Mobile is not liable for delayed or undelivered messages.You agree to notify us of any changes to your mobile number and update your account with us to reflect this change.Data obtained from you in connection with this SMS service may include your cell phone number, your carrier’s name, and the date, time, and content of your messages, as well as other information that you provide. We may use this information to contact you and to provide the services you request from us.By subscribing or otherwise using the service, you acknowledge and agree that we will have the right to change and/or terminate the service at any time, with or without cause and/or advance notice.

If you have any questions, please contact Better Health Associates at info@betterhealthassociates.com.

Will I be charged for the text messages I receive?

‍Though Better Health Associates will never charge you for the text messages you receive, depending on your phone plan, you may see some charges from your mobile provider. Please reach out to your wireless provider if you have questions about your text or data plan.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third parties.

14. User Generated Content

BHA encourages you to submit feedback regarding BHA, this Site or this Service, as well as your reviews, comments, posts, photos, videos, audio and other content that you submit through or to the Service ("User Generated Content"), as long as the User Generated Content is appropriate for a family audience and otherwise complies with these Terms of Use, other BHA guidelines or policies, and guidelines or policies specific to the activity or forum, as applicable. By posting or submitting your User Generated Content to our Service, you expressly agree NOT to submit User Generated Content which: (i) is harmful, inaccurate, threatening, abusive, harassing, tortious, deceptive, defamatory, vulgar, obscene, pornographic, libelous, invasive of another's privacy or other rights, hateful or otherwise objectionable; (ii) violates any law, regulation or right of any third party, including without limitation, copyright, trademark, patent, privacy or publicity rights or any other proprietary rights; and/or (iii) contains malware, commercial solicitations, political campaigning, mass mailings or "spam" of any kind.

You acknowledge and agree that BHA has the right (but not the obligation) to do any or all of the following at any time: (a) monitor User Generated Content; (b) remove or refuse to post any User Generated Content; and/or (c) disclose User Generated Content to any third party, and the circumstances surrounding submission.

You alone, and not BHA, are responsible for ensuring you have the rights to grant the license described in these Terms of Use and for BHA to post the User Generated Content, including, but not limited to, any copyright rights to images or other content, and the right to publish the images of people, landscapes and/or other creative works within the User Generated Content. When you post or submit User Generated Content, you grant to BHA a non-exclusive, fully paid-up, perpetual, worldwide, irrevocable, royalty-free, transferable and sub-licensable right and license to use, display, disclose, perform, reproduce, transmit, copy, modify, delete, adapt, publish, translate, creative derivative works from, sell and distribute such User Generated Content and to incorporate the User Generated Content into any form, product, marketing, medium or technology, now known or hereafter developed, throughout the world, all without compensation to you. Accordingly, do not send, post or submit any User Generated Content that you do not wish to license to BHA, including any confidential information or any original creative materials, such as product ideas or original artwork. To the extent you submit your photo, name, username, nickname or other personal identifier along with your User Generated Content, you represent it is an accurate representation and you grant to BHA the right (but not the obligation) to use such identifier, or portion thereof, with such User Generated Content. You agree to indemnify BHA for any claims arising out of your breach of the Terms of Use or in connection with your User Generated Content.

As a visitor to our Service, please be advised that BHA does not endorse or take responsibility for the opinions, advice, information or statements made by third-party visitors to our Service, whether through User Generated Content or otherwise.

15. Digital Millennium Copyright Act (“DMCA”) Notice

BHA is committed to complying with copyright and related laws, and requires all users of the Site to comply with these laws. You may not store, post, modify, distribute, reproduce in any way, use or disseminate any material or content though the Site in any manner that constitutes an infringement of third party intellectual property rights, including rights granted by copyright law.

Owners of copyrighted works who believe that their rights under copyright law have been infringed may take advantage of certain provisions of the Digital Millennium Copyright Act of 1998 (the “DMCA”) to report alleged infringements. BHA does not, and will not, make any legal decisions about the validity of your claim of infringement or the possible defenses to a claim. Upon our receipt of a proper notice of claimed infringement under the DMCA, we will respond expeditiously to remove, or disable access to, the material claimed to be infringing and will follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the content in issue. BHA may contact the notice provider to request additional information. BHA reserves the right to disregard a notice that is not in compliance with the DMCA. Under the DMCA, BHA is required to take reasonable steps to notify the user who posted the allegedly infringing content. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. Notices and counter-notices with respect to the Site should be sent to the address below.

If you are uncertain whether particular material infringes a copyright held by you or a third party, you should contact an attorney. Anyone making a false or fraudulent notice or counter-notice may be liable for damages under the DMCA, including costs and attorneys' fees.

To be effective, your Notification of Claimed Infringement must be in writing, sent to our designated agent listed below and contain the following information:

1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

2. A description of the copyrighted work or other intellectual property that you claim has been infringed;     

3. A description of where the material that you claim is infringing is located to permit us to locate the material;

4. Your contact information, including your name, address, telephone number, and email address;

5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and

6. A statement by you, made under penalty of perjury, that the information contained in your report is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

BHA’s designated agent for notice of claims of copyright infringement can be reached as follows:

By E-Mail: dmca@betterhealthassociates.com with the subject line “DMCA”

By Mail:

Better Health Associates
Attn: Office of the General Counsel
225 N. Michigan Avenue
Opa-Locka, IL 60601-7680.

16. Use of the Internet

Use of the Internet is solely at your own risk and is subject to all applicable state, national and international laws and regulations. Neither BHA nor its affiliates will be liable for any loss resulting from a cause over which they do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

17. Governing Law and Jurisdiction

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Florida, without reference to its choice of law rules. By accessing, viewing, or using the material on the Site, you consent to the jurisdiction of the federal and state courts presiding in Opa-Locka, Florida, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This Site is controlled and operated by BHA from its offices within the United States. BHA makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.

These Terms and Conditions constitute the entire agreement between you and BHA with respect to your use of the Site. If any part of these Terms and Conditions is held to be invalid or unenforceable for any reason, the remaining parts will remain in full force and effect. You acknowledge that, in providing you access to and use of the Site, BHA has relied on your agreement to be legally bound by these Terms and Conditions.