Blog Legal Partners FAQ Contact Careers Press Our Team About us

Legal Details

1. Copyright and Proprietary Rights
All material on the Website is copyright © 2011 by Okcopay, Inc ("Okcopay"). All rights reserved. We own the Website and all of the text, images, software, trademarks, service marks or other material contained on the Website (the "Materials"). You may not copy or transmit any of the Materials except for your personal, non-commercial use on your computer. All trademark, copyright and other proprietary rights notices included in the Materials must appear on all copies you print as presented on the Website. We do not grant any license or right to use any of the marks included on the Website.
2. Permissions
  1. Permission is granted to news media to quote small sections of the Website for review purposes. News media may also include a snapshot of the Website's homepage (the "Homepage") and a link to the Homepage in their articles. Using a frame to associate advertising with the Website or with Okcopay is not permitted.
  2. Permission is granted to educational and not-for-profit organizations to add a link to the Homepage from their sites.
  3. Permission is granted to commercial and not-for-profit sites to add a link to the Homepage, but they may not state, suggest or imply that their service, product, or website has Okcopay's endorsement, and they may not charge their clients for accessing the Website.
The full name of the Website is Okcopay, Inc. The web address is
3. Use of

The Website is intended for personal, non-commercial use. The site you are entering provides access to information related to medical costs and medical service providers as an informational and educational service. Any listed prices on the Website are not estimates of costs that may be incurred in the future.

The information on this site is provided to assist you and your health care providers in making decisions about your healthcare. The information is never intended as, and should never be construed to be, medical advice. You should always consult a healthcare professional regarding your specific medical needs. The Website may provide you with general cost information about medical procedures, services and other treatment and therapies that may not be covered in your specific health plan benefits. If you have questions about your benefits, please call the customer service telephone number on the back of your insurance identification card.

You may register to become a member of the Website only if you are of sufficient legal age and can enter into binding contracts. Without limiting the foregoing, the site is not intended for persons under the age of 13. If you become a member of the Website you are responsible for maintaining the secrecy of your login, passwords, and account information (your "Personal Information"). You may not allow access to your account to anyone else. You will be responsible for all use of the Website, including for anyone using your password and login information without your permission. All Personal Information that you provide to us must be accurate and up-to-date. If any of your Personal Information changes, you must immediately update it. If you have reason to believe that your account is no longer secure (e.g., loss, theft or unauthorized disclosure or use of your computer, mobile device, or Personal Information), you must promptly change your affected Personal Information and notify us at You agree not to use the Website for any purpose that is illegal, unlawful, or forbidden by these Terms, including any local laws that apply to you. The Website is run in the United States, so by using the Website, you agree to comply with both the laws that apply to the United States and the laws that apply to your own country, including laws that apply to exporting technical data. Additionally, you agree not to do any of the following without prior express written permission of OkCopay:

  1. Use any software, device, or routine that interferes or attempts to interfere with the normal operation of the Website.
  2. Take any action that imposes an unreasonable load on our network equipment or computer equipment.
  3. Access the Materials with any automated or manual process for any purpose other than your personal use or for inclusion of Okcopay pages in a search index.
  4. Violate the restrictions in any robot exclusion headers on the Website or circumvent or bypass other measures employed to prevent or limit access to the Website.
  5. Deep-link to any portion of the Website.
  6. Copy, sell, resell, reproduce, duplicate, trade or exploit any areas of the Website. Any form of data extraction or data mining, or other commercial exploitation of any kind, without prior written permission of an authorized officer of Okcopay, Inc. is strictly prohibited. Members agree that they will not use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of Okcopay, Inc.

In addition, you may not under any circumstance use the Website to:

  1. Post, facilitate, promote, or transmit any information of an unlawful, obscene, sexually explicit, hateful, harassing, libelous, defamatory, profane, abusive, threatening, pornographic, or otherwise offensive nature;
  2. Publish, distribute, or transmit any advertisements (unless given prior express written permission from OkCopay, Inc.), spam, chain letters, solicitations, information regarding any type of scheme or other forms of unsolicited or unauthorized commercial information;
  3. Upload, post, distribute, or transmit any information or software containing viruses, Trojan horses, or other forms of malware;
  4. Impersonate any person or entity, such as through the creation of a false user account;
  5. Directly or indirectly reverse engineer, decompile, disassemble, decipher or otherwise reconstruct and copy any source code or algorithms of any part of the Website.

We may, at our sole discretion, at any time and without advance liability or notice, terminate, suspend, or restrict your access to any or all components of the Website.

4. Information Privacy & Intellectual Property

We may aggregate and use information submitted by you and other users to improve our ability to provide the Website. If you give us feedback, testimonials, suggestions, ideas, comments, ratings, reviews, bug reports or any similar or related information ("Feedback"), you agree to the following:

  1. We own the Feedback and all intellectual property rights associated with the Feedback;
  2. We do not have to pay you for the Feedback;
  3. We can use and share the Feedback without your consent;
  4. We may already be contemplating ideas similar to or the same as your Feedback.

If you want to maintain ownership of any intellectual property contained in your Feedback or do not agree with the above terms regarding Feedback, your only option is to not submit Feedback to us.

We respect the intellectual property rights of others. Users may not post, upload, or otherwise transmit on the Website any materials that violate the intellectual property rights of another person. In accordance with the Digital Millennium Copyright Act, if you believe that any material on the Website infringes upon any copyright you control or own, you may send a written email notification of the infringement to us at:

Your use of the Website is subject to our Privacy Policy. By using the Website, you consent to the use of your information as we outlined in our Privacy Policy.

5. Warranty Disclaimer

The Website, all content and services provided on the Website are provided on an "as is" and "as available" basis. Okcopay expressly disclaims all warranties of any kind, whether expressly or implied, including, but not limited to, security and accuracy, fitness for a particular purpose, non-infringement, and title, as well as all warranties arising by course of performance. Okcopay makes no warranty, and expressly disclaims any obligation, that:

  1. The content will be up-to-date, comprehensive, complete, accurate or applicable to your circumstances.
  2. The results that are obtained from the use of the Website or any services offered through the site will be accurate or reliable
  3. The Website will be available on an error-free, timely, uninterrupted, or secure basis.
  4. The Website will meet your expectations and requirements.
  5. The quality of any products, services, information, or other material obtained by you through the site will meet your expectations and requirements.
  6. Information may be changed or updated without notice. OkCopay has no obligation to update information presented on this website, so information contained herein may be out of date at any given time.
6. Limitation of Liability

We, together with our directors, officers, employees, affiliates, representatives, and providers, will not be responsible or liable for the following:

  1. Any damages to or viruses that may infect your computer equipment or other property as the result of your downloading any content from the Website or your access to the Website.
  2. Any injury, death, claim, loss, act of god, delay, accident, or any direct, indirect, special, punitive, exemplary, incidental or consequential damages of any kind, including without limitation lost profits or lost savings, whether based in tort, contract, strict liability or otherwise, that arise out of or is in any way connected with:

    1. any failure or delay, including without limitation the inability to use or use of any component of the Website.
    2. any use of the Website or our content.
    3. the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to any other party.

Some states do not allow the limitation of liability, so the limitations above may or may not apply to you.

7. Relationship with Health Care Providers

Okcopay's display through or on the website of medical procedures offered by third parties does not in any way suggest, imply, or constitute any sponsorship or approval of Okcopay by any such Providers or any affiliation between any such Provider and Okcopay. Okcopay's display of specific procedures does not suggest a recommendation by Okcopay of the Provider or their health care options. You agree that Okcopay is in no way responsible for the timeliness, accuracy, or completeness of information it may obtain directly from these Providers, or other secondary sources. Your interaction with any Providers researched through Our Website is at your own risk. Okcopay will have no liability with respect to the omissions, errors, representations, warranties, acts, breaches or negligence of any such Providers or for any death, personal injuries, property damage, or other damages or expenses resulting from your interactions with the Providers.

8. Protection

Subject to these terms and conditions, you defend, indemnify and hold us and each of our officers, directors, employees and agents, harmless from and against any claim, liability, cause of action, expense, loss or demand, including without limitation reasonable accounting and legal fees, arising out of, or in any way connected with your breach of these Terms or the agreements that are made part these Terms by reference, or your use of or access to the Website or the Materials.

9. Other

Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as partners or joint ventures for any purpose. You may not delegate, assign, or transfer your rights or obligations under these Terms. We may assign our duties and rights under these Terms without such assignment being considered a change to the Terms and without notice to you. We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Your continued use of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your use. If you object to any provision of these Terms or any subsequent modifications to these Terms, or if you become dissatisfied with the Website in any way, your only recourse is to terminate use of the Website immediately. Other terms and conditions may apply to your use of the Website and to your use of other portions of the Website. If we fail to act with respect to your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to similar or future breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law; the other Terms will remain enforceable and valid. These Terms, together with those agreements that are made a part of these Terms by reference, make up the entire agreement between us relating to your use of the Website and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website. The laws of the State of Delaware (USA), without regard to its conflict of laws rules, will govern these Terms and your and our observance of them. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the state and federal courts located in Delaware (USA). In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the action, including but not limited to reasonable attorney fees and costs, both taxable and non-taxable. You acknowledge that you have read and understood these Terms, and that these Terms have the same force and effect as a signed agreement.

10. Health Care Professionals

Health care professionals and their employees, and their agents should be particularly aware of their obligations of patient confidentiality, including without limitation their obligations under the Health Insurance Portability and Accountability Act ("HIPAA"), both in communicating with Okcopay and in responding to a review of their services posted on our Website. Okcopay does not have, and will not accept, any obligations of confidentiality with respect to any communications other than those expressly stated in this Privacy Policy and Okcopay's Terms of Service.

11. Public Information

Any information that you may reveal in a review posting or other online discussion or forum is intentionally open to the public and is not in any way private. You should think carefully before disclosing any personally identifiable information in any public forum. What you have written may be seen and/or collected by third parties and may be used by others in ways we are unable to control or predict.

Legal Sections
  1. Copyright & Proprietary Rights
  2. Permissions
  3. Use of
  4. Information Privacy
  5. Warranty Disclaimer
  6. Limitation of Liability
  7. Relationship with Health Providers
  8. Protection
  9. Other
  10. Health Care Professionals
  11. Public Information
© OKCOPAY 2017