1. Acceptance of Terms
By accessing or using Saint Daniels Healthcare Rewards services ("Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our Services.
2. Service Eligibility and Requirements
As a condition of using our Services, you must:
- Be at least 18 years of age
- Enroll in a qualifying health insurance plan through our authorized brokerage partner, Sendtoreach Mutual LLC
- Provide accurate and complete information during registration
- Maintain active health insurance coverage throughout your participation in the rewards program
- Be a resident of a state where our Services are legally available
3. Legal Review and Compliance
All offers and rewards provided through our Services are subject to:
- Legal review by our retained law firm
- Compliance with federal, state, and local regulations
- Geographic restrictions based on legal requirements
- Modification or termination at any time to maintain legal compliance
We reserve the right to modify, suspend, or terminate any offers that may not be legally available in certain jurisdictions.
4. Prohibited Activities
Users are strictly prohibited from:
- Creating multiple accounts or sharing accounts
- Manipulating or falsifying health-related data or activities
- Gaming or exploiting the rewards system
- Selling, trading, or transferring rewards
- Using automated systems or bots to interact with the Services
- Attempting to defraud or abuse the rewards program
- Engaging in any activity that violates healthcare laws or regulations
5. Program Integrity
To maintain program integrity:
- All reward claims are subject to verification
- We employ advanced fraud detection systems
- Suspicious activity will be investigated
- Violations may result in immediate account termination
- Fraudulent activity will be reported to appropriate authorities
6. Insurance Requirement
Participation in our rewards program requires:
- Active enrollment through Sendtoreach Mutual LLC
- Maintenance of qualifying health insurance coverage
- Compliance with insurance policy terms
- Prompt notification of any changes in insurance status
7. Rewards and Offers
Understanding our rewards program:
- All rewards are subject to availability and legal review
- Rewards may vary by location and jurisdiction
- Rewards have no cash value and are non-transferable
- We reserve the right to modify or cancel rewards at any time
- Rewards may be subject to expiration dates
- Participation may be limited based on health plan type
8. Account Termination
We reserve the right to terminate accounts for:
- Violation of these terms
- Fraudulent activity
- Non-compliance with insurance requirements
- Abuse of the rewards program
- Extended periods of inactivity
9. Privacy and Data Usage
By using our Services, you acknowledge:
- Collection and use of health-related data as described in our Privacy Policy
- Sharing of necessary information with insurance partners
- Use of data for program administration and improvement
- Implementation of security measures to protect your information
10. Modifications to Terms
We reserve the right to modify these terms at any time. Continued use of the Services following any changes constitutes acceptance of the modified terms.
11. Contact Information
For questions about these terms, please contact our legal department at legal@saintdaniels.com