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Terms and Conditions

Effective [EFFECTIVE DATE]. The terms that apply when you use rikorhealth.com and the Rikor platform.
Draft. Highlighted details are placeholders awaiting the company's legal information, and this page is pending review by counsel. It is not yet indexed by search engines.

Who these terms are with

These terms are an agreement between you and [LEGAL ENTITY NAME], [STATE AND ENTITY TYPE, e.g. a Utah limited liability company] (“Rikor,” “we,” “us”). By using the site you agree to them. If you're using Rikor on behalf of a business, you confirm you're authorised to accept them for it.

What Rikor is — and isn't

  • Rikor helps employers set up and administer Individual Coverage Health Reimbursement Arrangements (ICHRAs, also called CHOICE Arrangements).
  • Rikor is not an insurance company. Health coverage is provided by the insurer each employee chooses, under that insurer's terms.
  • Content on this site is general information, not tax, legal, insurance or financial advice. Rules change and individual situations differ.

Quotes and estimates

Plan prices and cost estimates shown on the site come from third-party data and the information you enter. They're estimates, not offers of coverage. Actual premiums, eligibility for coverage or subsidies, and plan availability are decided by insurers and government programmes, and can change.

Accounts

Keep your sign-in secure and tell us promptly if you think someone else has used your account. You're responsible for the accuracy of information you provide, including employee information an employer enters.

Plan administration

If you use Rikor to set up and administer an ICHRA, the plan documents and any service terms you accept during setup also apply, and take priority over these terms where they conflict.

Acceptable use

Don't:

  • use the site for anything unlawful or to submit false information;
  • enter someone else's information without the right to do so;
  • try to access accounts or data that aren't yours, or disrupt the service;
  • scrape, copy or resell the site's content or data without permission.

Other websites

The site links to sites we don't control, including government resources and our partner Protect My Franchise. We're not responsible for their content or practices.

Our content

The site's content, design and software belong to Rikor or its licensors. You may view and share pages for your own business use, but not copy them wholesale or present them as your own.

Disclaimers

The site is provided “as is.” To the extent the law allows, we don't promise it will be uninterrupted or error-free, or that information on it is complete or current for your situation.

Limitation of liability

To the extent the law allows, Rikor isn't liable for indirect or consequential losses arising from use of the website, and our total liability relating to the website is limited to the greater of the amount you paid us for the service in the twelve months before the claim, or one hundred dollars. Nothing here limits liability that can't be limited by law.

Changes

We may update these terms. We'll change the effective date above, and continued use after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of [STATE], without regard to conflict-of-law rules.

Contact

[LEGAL ENTITY NAME], [BUSINESS MAILING ADDRESS]. hello@rikor.io