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Online Privacy Policy and Terms

Online Privacy Policy and Terms

Protecting Plan Participant Information  

At Farm Bureau Health Plan, your privacy is our priority.  All personal information you provide is used to administer our business and related services in a manner consistent with all applicable laws and regulations. We maintain the security and confidentiality of this personal information in a manner consistent with all applicable laws and regulations.

General Privacy Principles  

Farm Bureau Health Plan understands that Visitors to our Website are concerned about the privacy of information.  The following summarizes our online privacy principles with respect to the information that we collect through our Website. 

  • We do not sell plan member information. 
  • We do not allow those who are doing business on our behalf to use our plan member’s information for their own marketing purposes. 
  • We contractually require any person or organization providing products and services on our behalf to protect Farm Bureau Health Plan member information. 
  • We afford our former and prospective plan participants the same protections as existing plan members with respect to the use of personal information. 
  • Farm Bureau policies require that individuals with access to confidential member information not use or disclose the information except for necessary business use.

Visitor Data Collected on this Website

We use “cookies” to enhance your experience when visiting Farm Bureau Websites.  “Cookies” are files we use to store your Website preferences and identity.  We may use “cookies” and other technologies to help us track visits to our Websites and to find out how Visitors use our site. 

We may collect, use, and share (with Farm Bureau partners or service providers) precise location data, including the real-time location of your mobile device or fixed location device.

We also use analytics tools and other third party technologies, such as Google Analytics, to collect non-personal information in the form of various usage and user metrics when you visit our Website. These tools and technologies collect and analyze certain types of information, including cookies, IP addresses, device and software identifiers, referring and exit URLs, onsite behavior and usage information, feature use metrics and statistics, usage and purchase history, MAC address, mobile unique device ID, and other information. You may opt out of Google Analytics by visiting the Google Analytics opt-out page.

Sharing Personal Information  

We share limited personal information with our third party service providers as necessary for treatment, payment and/or health care operations activities and otherwise as necessary to administer the Health Plan.

Safeguarding Personal Information  

We have implemented physical, electronic, and procedural safeguards to maintain the confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include, among other things, procedures for controlling access to plan member and non-plan member information, building security, and information technology security measures, such as the use of passwords, encryption, and firewalls.

Changes to our Privacy Policy

Farm Bureau may make changes to our online privacy policies occasionally.  We recommend that Visitors to our Websites review our online privacy policies from time to time to learn of new privacy practices and changes to our policies.

Effective October 1, 2018

Last Updated October 1, 2018

TERMS AND CONDITIONS OF USE

BY USING THIS WEBSITE, YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION, PLUS ANY ADDITIONAL TERMS OR CONDITIONS WITHIN THE WEBSITE ITSELF. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND. IF YOU DO NOT AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS OF USE DO NOT USE THIS WEBSITE. 

1         ABOUT FARM BUREAU HEALTH BENEFIT PLAN, LLC

Farm Bureau Health Benefit Plan, LLC is a health benefit plan, and is a wholly owned subsidiary of the Iowa Farm Bureau Federation that operates solely in the State of Iowa.   

2         DISCLAIMER

THE MATERIALS ON THIS WEBSITE (INCLUDING, WITHOUT LIMITATION, ALL SOFTWARE) ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FARM BUREAU HEALTH BENEFIT PLAN, LLC AND ITS SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, "FARM BUREAU HEALTH PLAN") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. FARM BUREAU HEALTH PLAN DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FARM BUREAU HEALTH PLAN DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT FARM BUREAU HEALTH PLAN) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ALL EQUIPMENT, DATA, OR OTHER ITEMS. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. FARM BUREAU HEALTH PLAN MAY MAKE CHANGES TO THE WEBSITE MATERIALS AND THE PLAN INFORMATION AT ANY TIME WITHOUT NOTICE AND WITHOUT OBLIGATION TO UPDATE THE MATERIALS CONTAINED ON THIS WEBSITE. 

3         RESTRICTIONS ON USE

Use of Website.  

You shall use the WEBSITE for lawful purposes only. You shall not post or transmit through the WEBSITE any material that (i) violates or infringes in any way upon the rights of others, (ii) is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, or (iii) encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violates any law. You shall not: (i) post or transmit through the WEBSITE any material that contains advertising or any solicitation with respect to products or services without Farm Bureau Health Plan’s express prior written approval, or (ii) use the WEBSITE to advertise or perform any commercial solicitation, including, without limitation, the solicitation of users to become subscribers of other on-line services. Any conduct by you that in Farm Bureau Health Plan’s discretion restricts or inhibits any other user from using or enjoying the WEBSITE will not be permitted. 

Use of Materials. 

This WEBSITE is owned and operated by Farm Bureau Health Plan. Except as otherwise expressly permitted by Farm Bureau Health Plan, no materials from this WEBSITE or any WEBSITE owned, operated, licensed or controlled by Farm Bureau Health Plan may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this WEBSITE for your personal non-commercial reference only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this WEBSITE for public or commercial purposes, including the software, text, images, audio, and/or video without Farm Bureau Health Plan's prior written permission. Farm Bureau Health Plan neither warrants nor represents that your use of materials displayed on this WEBSITE will not infringe rights of third parties not owned by or affiliated with Farm Bureau Health Plan. Use of any Farm Bureau Health Plan trademarks as metatags on any third-party Website is strictly prohibited. You may not Co-Brand the Website or display the Website in frames (or any of the content via in-line links) without prior written permission from Farm Bureau Health Plan. "Co-brand" means your display of any of the intellectual property, or your taking of other means of attribution or identification of Farm Bureau Health Plan in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Website or any of its content. You agree to cooperate with Farm Bureau Health Plan in causing any unauthorized co-branding, framing or linking to immediately cease.   The Website and its content are not intended for children ages 13 and younger. 

Use of Email. 

If you contact us by email you should encrypt your email communications with us to protect your information. If you supply us with your email address you may receive emails from us with information related to your online activities. You may also receive periodic email messages from us regarding benefits and services available under the Health Plan which we believe may be valuable to you.

4      TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are licensed or proprietary to Farm Bureau Health Plan. Nothing contained on the WEBSITE should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this WEBSITE without the prior written permission of Farm Bureau Health Plan or such third party that may own the trademarks displayed on this WEBSITE. Your use of the trademarks displayed on this WEBSITE, or any other content on this WEBSITE, except as provided herein, is strictly prohibited. Images displayed on this WEBSITE are either the property of, or used with permission by, Farm Bureau Health Plan. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. The materials on this WEBSITE are copyrighted and any unauthorized use of any materials on this WEBSITE may violate copyright, trademark, and other laws. If you breach any of these Terms and Conditions, your authorization to use this WEBSITE automatically terminates and you must immediately destroy any downloaded or printed materials. 

5     PRIVACY

Please see our Online Privacy Policy. 

6     REFUND POLICY

Your Iowa Farm Bureau Federation Membership is non-refundable. No exceptions will be made. 

7    LINKED WEBSITES OR CONTENT

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY FARM BUREAU. HEALTH PLANLINKS ON THIS WEBSITE TO SUCH THIRD-PARTY WEBSITES ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU. IF YOU USE THESE LINKS, YOU WILL LEAVE THIS WEBSITE. FARM BUREAU HEALTH PLAN HAS NOT REVIEWED THESE THIRD-PARTY SITES AND DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR THESE SITES OR THEIR CONTENT

8   LIMITATIONS OF LIABILITY

Farm Bureau Health Plan’s Liabilities.

WHILE FARM BUREAU HEALTH PLAN USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. FARM BUREAU HEALTH PLAN MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THIS WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL FARM BUREAU HEALTH PLAN OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OR THE RESULTS OF THE USE OF THIS WEBSITE OR THE MATERIALS OR INFORMATION CONTAINED AT THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF FARM BUREAU HEALTH PLAN OR A FARM BUREAU HEALTH PLAN AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FARM BUREAU HEALTH PLAN'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE OR THE MATERIALS. FARM BUREAU HEALTH PLAN ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR ANY ELECTRONIC COMMUNICATIONS WITH FARM BUREAU HEALTH PLAN VIA EMAIL OR OTHERWISE. FARM BUREAU HEALTH PLAN SHALL NOT BE LIABLE FOR ANY MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERROS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THESE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

Your Liabilities.  

Farm Bureau Health Plan has the right to deny you access and use of the Website and its content if you violate (as Farm Bureau Health Plan may determine in its sole and absolute discretion) any provision of these Terms and Conditions. Farm Bureau Health Plan reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Farm Bureau Health Plan harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of your access to, or use of, the Website or any of its content in a manner other than as expressly authorized by these Terms and Conditions, your breach of these Terms and Conditions or your violation of applicable laws or any rights of any third party. 

9   SOFTWARE

Use of Software.

Any software that is made available to download from this WEBSITE is the copyrighted work of Farm Bureau Health Plan and/or its suppliers. Use of the software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software ("License Agreement"). You may not download or install any software that is accompanied by or includes a License Agreement unless you have read and accepted the terms of the License Agreement. REPRODUCTION OR REDISTRIBUTION OF THE SOFTWARE IS PROHIBITED EXCEPT AS PROVIDED FOR IN THE APPLICABLE LICENSE AGREEMENT. 

Export of Software.

You acknowledge that any software available or provided to you on this WEBSITE may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. Farm Bureau does not authorize the downloading or exportation of any software or technical data from this WEBSITE to any jurisdiction prohibited by the United States export controls laws and regulations. 

10   INDEMNIFICATION

You agree to defend, indemnify and hold harmless Farm Bureau Health Plan and its directors, officers, employees, agents, successors and assigns from and against any and all claims, actions, demands, damages, costs, liabilities, losses and expenses (including reasonable attorneys’ fees) arising out of your use of the WEBSITE in violation of these Terms and Conditions of Use or any applicable law, statute, ordinance or regulation. 

11   JURISDICTIONAL ISSUES

Farm Bureau Health Plan administers this WEBSITE from its offices in West Des Moines, Iowa and only conducts business within the state of Iowa. Unless otherwise expressly set forth herein, Farm Bureau Health Plan makes no representation that materials on this WEBSITE are appropriate or available for use in any location, including, without limitation, for use outside the United States, and access to the materials on this WEBSITE from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this WEBSITE or any copy or adaptation in violation of any applicable laws or regulations, including, without limitation, U.S. export laws and regulations. Those who choose to access this WEBSITE do so on their own initiative and are responsible for compliance with local laws. These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Iowa, without giving effect to any principles of conflicts of laws.   You consent to exclusive jurisdiction and venue in Polk County, Iowa and waive any objections or defenses based on lack of personal jurisdiction or venue. 

12   ADDITIONAL TERMS

Entire Agreement.  

Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire understanding between Farm Bureau Health Plan and you with respect to your access to, use of, and/or submissions to the Website and its content and supersedes all prior or contemporaneous understandings regarding access and use.

Severability.

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the Terms and Conditions will remain in effect.

Waiver. 

Failure by Farm Bureau Health Plan, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions. 

13   QUESTIONS?

If you have any questions or concerns, please contact the Farm Bureau Health Plan by email at comments@iowafbhealthplan.com. We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date. If you identify any error in your personal information or need to make a change to that information, please contact us and we will promptly update our records. 

Farm Bureau Health Benefit Plan, LLC
PO Box 9168 
Des Moines, IA 50306-9168 
Privacy Issues- 877-766-3700
COPYRIGHT NOTICE

© 2018 Farm Bureau Health Benefit Plan, LLC. All rights reserved.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content available on or through the Website for commercial or public purposes, without the prior written permission of Farm Bureau Health Plan.

Effective October 1, 2018

Last Updated October 1, 2018