Terms and Conditions
Terms and Conditions
This website is operated by CLIFF Consulting Group Inc. and is not the Health Insurance Marketplace website. In offering this website, CLIFF Consulting Group Inc. is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.
Limitation of liability
We exercise reasonable efforts to safeguard the security and confidentiality of your Personal Information and Insurance Information; however, transmissions protected by industry standard technology and administered by humans cannot be guaranteed to be secure. We will not be liable for unauthorized disclosure of Personal Information that occurs through no fault of myCLIFF.org including, but not limited to, errors in transmission, uses of your data by a third party, your failure to comply with your security obligations, and the unauthorized acts of myCLIFF.org’s employees.
Links to other websites
Our policy towards children and minors
The Site is not directed to persons under 18. If a parent or guardian becomes aware that his or her child has provided us with Personal Information or Insurance Information without their consent, he or she should contact us as indicated in the ‘How to contact us’ section. If we become aware that a child under 13 has provided us with Personal Information, we will remove such information from our files.
If the complaint or dispute cannot be resolved through our internal process, or myCLIFF.org does not adequately respond to your question, please contact the San Francisco office of the American Arbitration Association, which will serve as a liaison with myCLIFF.org to resolve your concerns.
If arbitration is necessary, it will be conducted by telephone and email, and if it must be done in person, it will be conducted in San Francisco, California. The arbitration will be conducted by one arbitrator member of the American Arbitration Association, and under the rules of commercial arbitration of the American Arbitration Association. Both parties will bear equally the cost of arbitration (exclusive of legal fees and expenses). All decisions of the arbitrator will be final and binding on both parties and enforceable in any court of competent jurisdiction.