Site Use & Privacy Policy

Disclaimer

This SCJUA.com website (the “Site” or “Website”) is provided by South Carolina Medical Malpractice Liability Insurance Joint Underwriting Association (“JUA”). Use of this Site indicates your agreement to the terms and conditions set forth below. If you do not agree with these terms and conditions, you may not use or access this Website. The JUA will strive to ensure that information contained on our Website is both current and accurate. However, THE JUA CANNOT AND WILL NOT OFFER ANY WARRANTY OR GUARANTEE OF ANY NATURE CONCERNING THE ACCURACY OR RELIABILITY OF ANY INFORMATION CONTAINED ON OUR WEBSITE. The information provided on this Website is published for informational purposes only. It is not intended to constitute medical, legal or any other type of professional advice. If you have a question requiring professional advice of any type (e.g., medical or legal advice), you should contact a licensed and qualified professional in the relevant field.

Web Links

This Website is hyperlinked to other websites which are not maintained or controlled by the JUA. If you access the third party sites linked to this Site, you do so at your own risk. The linked sites are not under the control of the JUA and we are not responsible for the content of any linked site or any linking program at any time. The JUA does not endorse companies or products to which it links. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an email at jua.feedback@marsh.com.

Warranties Disclaimers

The JUA DOES NOT WARRANT OR GUARANTEE THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY MATERIALS DISPLAYED IN THIS SITE. THE READER AGREES THAT ANY RELIANCE ON SUCH MATERIALS SHALL BE AT HIS OR HER SOLE RISK. IN NO EVENT SHALL THE JUA BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES RELATED TO THE USE OF THIS SITE OR ITS CONTENTS.

The JUA does not warrant that the Website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. The JUA also assumes no responsibility and shall not be liable for, any damages to 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 from this Website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission or line or system failure.

Limited License

Subject to your continued compliance with the terms and conditions set forth in this Usage Policy, the JUA grants you a non-exclusive, non-transferable, limited right to access and use the information contained in this SCJUA.com Website. The JUA authorizes you to view and download the materials on this Site only for your personal, non-commercial use. This authorization is not a transfer of title in the materials or copies of the materials and is subject to the following restrictions:

  • You must retain, on all copies of the materials downloaded, all copyright and other proprietary notices contained in the materials.
  • You may not modify the materials contained in this Site in any way or reproduce or publicly display, perform, distribute or otherwise use them for any public or commercial purpose without express written permission from the SCJUA.
  • You must not transfer the materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under the terms and conditions of this Usage Policy.
  • You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

Information We Collect

In the course of our business, it is sometimes necessary to collect “nonpublic personal information” about people who obtain insurance services from us (“Insureds”). We do not collect any information unless it is required to serve our Insureds and to conduct our business. We collect information from sources such as our Insureds themselves, claims reports, and a Customer’s transactions with us or other insurers or brokers.

Use and Disclosure of Customer Information

We do not disclose any nonpublic personal information about our Insureds or former Insureds to anyone outside our organization, except to effect a transaction authorized by the Insured, or as required by law. We may disclose such personal information to our affiliate companies to complete transactions authorized by an Insured, and to service, process or administer business operations such as accounting, underwriting and claims.

Sharing of Information with Service Providers

The JUA Website is designed to give our Insureds, prospective Insureds and visitors a confidential means of gathering information about the JUA and its services and products, and for doing business with us over the Internet. From time to time, we may retain third parties to perform various support services for us (e.g., attorneys, mail houses, auditors, programmers) and may enter into relationships with other parties with whom we will jointly market various products and services. We may disclose limited amounts of Insured information to these parties so they can perform their services or engage in joint marketing activities with us.

Medical Information

If we receive an Insured’s health information, we do not share such information with third parties or affiliates except as required to service the subject Insured’s policy, account, claim or contract; for legitimate insurance functions; as allowed by applicable laws governing privacy of health records; or with the Insured’s authorization.

Confidentiality and Security of Customer’s Information

The JUA goes to great lengths to maintain the privacy and security of our Insured’s personal information. We maintain physical, electronic and procedural safeguards to protect all the information we collect. We are careful to ensure that our employees follow strict policies and procedures to protect the confidentiality of our Insured’s personal information and our computer systems are configured in a way to prevent inappropriate access by third parties. Our employees are allowed access to an Insured’s personal information only to the extent they need to know that information to provide services to the Insured or for other legitimate business purposes.

Accuracy of Information

It is important to us to keep an Insured’s information current and accurate. Should information displayed on the JUA Website differ from the information in the policy sent to you, the policy sent to you will be considered the correct information. If you believe that our records are inaccurate or incomplete, please contact us at (864) 240-5449. We will address your concerns and correct any inaccuracies.

Changes to Our Policy

This Privacy Policy may be changed from time to time. If we change our Privacy Policy, we will post those changes on this Website. You may wish to visit this page periodically to review the most recent Privacy Policy.

Changes to Our Website

You understand and agree that the SCJUA reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, any services provided on this web site and any conditions of use with or without notice.