CAPSTONE HEALTH MANAGEMENT, INC. TERMS OF USE
Effective Date: September 1, 2026
Introduction
These Terms of Use (“Terms”) govern your access to and use of the Capstone Health Management, Inc. website and any online pages, portals, features, or services operated by Capstone Health Management, Inc. that link to these Terms (collectively, the “Site”).
For purposes of these Terms, “Capstone Health Management,” “Capstone Health,” “we,” “us,” and “our” refer to Capstone Health Management, Inc. “You” and “your” refer to any individual or entity that accesses or uses the Site.
By accessing or using the Site, you agree to these Terms. If you do not agree to these Terms, please discontinue your use of the Site.
We may revise these Terms from time to time. Revised Terms will become effective when posted on the Site unless otherwise stated. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of those changes.
Informational Purpose
Information available through the Site is provided for general informational purposes. Information concerning insurance products, benefits, eligibility, coverage, limitations, exclusions, costs, availability, or other plan features is intended only as a general description and does not constitute an insurance policy, certificate of coverage, contract, binder, guarantee of coverage, or offer of insurance.
Insurance products and services may be subject to eligibility requirements, underwriting requirements, applicable laws, carrier approval, plan documents, contracts, certificates, policies, and other terms and conditions.
If information appearing on the Site conflicts with the terms of an applicable insurance policy, certificate, plan document, contract, or other governing document, the applicable governing document will control.
Nothing on the Site guarantees eligibility, enrollment, issuance of coverage, payment of benefits, or availability of any particular product or service.
No Professional Advice
Content available through the Site is not intended to constitute legal, tax, accounting, medical, financial, or other professional advice.
You should consult an appropriately qualified professional regarding questions specific to your circumstances.
Nothing on the Site should be interpreted as medical advice, diagnosis, or treatment guidance or as a substitute for consultation with a qualified healthcare professional.
Quotes, Requests for Information, and Applications
The Site may permit you to request information, request a quote, contact a representative, or submit information relating to insurance products or services.
Submitting information through the Site does not create insurance coverage, bind coverage, constitute acceptance of an application, or guarantee that any product or service will be available to you.
Any quote, estimate, illustration, or preliminary information provided through or in connection with the Site may be subject to further review, eligibility requirements, underwriting, census information, carrier approval, or other conditions and is subject to change.
Privacy
Your use of the Site is also subject to the Capstone Health Management Privacy Policy, which describes how information may be collected, used, and disclosed in connection with the Site.
Accounts and Restricted Areas
Certain portions of the Site may require authentication or may be available only to authorized users.
If you are provided with login credentials, you are responsible for maintaining the confidentiality and security of those credentials and for activity occurring through your account.
You agree to provide accurate, current, and complete information when using restricted portions of the Site and to promptly update information when necessary.
You may not access an account or restricted area that you are not authorized to access, use another person's credentials, or attempt to circumvent any security feature.
Please notify us promptly if you become aware of unauthorized use of your account or credentials.
Permitted Use
You may access, view, download, and print content from the Site for your personal use or legitimate internal business purposes, subject to these Terms.
You may not use the Site or its content for any unlawful purpose or in any manner that could damage, disable, overburden, disrupt, or impair the Site.
Without our prior written permission, you may not reproduce, republish, distribute, sell, license, or commercially exploit Site content; use automated systems, robots, spiders, scrapers, or similar technologies to extract or collect Site content or data; attempt to gain unauthorized access to the Site, accounts, servers, networks, or systems; interfere with the operation or security of the Site; introduce viruses, malicious code, or other harmful technology; impersonate another person or misrepresent your identity or affiliation; use information obtained through the Site to violate another person's privacy or legal rights; or use the Site in violation of applicable law.
We may restrict or terminate access to the Site if we reasonably believe these Terms have been violated.
Intellectual Property
Unless otherwise indicated, the Site and its text, graphics, designs, photographs, images, logos, icons, software, and other content are owned by or licensed to Capstone Health Management or its respective licensors and are protected by applicable intellectual property laws.
No ownership rights are transferred to you through your use of the Site.
You may not remove or alter any copyright, trademark, service mark, or other proprietary notice appearing on the Site.
Names, logos, product names, service names, designs, and slogans appearing on the Site may be trademarks or service marks of Capstone Health Management, insurance carriers, vendors, or other third parties. Nothing in these Terms grants you a license to use those marks without written permission from the applicable owner.
Third-Party Content and Links
The Site may contain information supplied by or links to insurance carriers, service providers, vendors, healthcare resources, technology providers, or other third parties.
Third-party websites and services are not controlled by us and may be governed by their own terms and privacy practices. The inclusion of a link does not necessarily constitute an endorsement of the third party or its products or services.
To the fullest extent permitted by law, we are not responsible for the availability, security, accuracy, content, products, services, or privacy practices of third-party websites or services.
Product Availability
Insurance products, programs, services, benefits, and features described on the Site may not be available in all jurisdictions or to all employers, employees, groups, or individuals.
Availability may depend on factors including location, group size, eligibility, plan design, carrier requirements, regulatory approval, underwriting, and other applicable requirements.
United States Use
The Site is intended primarily for users located in the United States.
We make no representation that the Site or its content is appropriate or available for use in every jurisdiction. Individuals accessing the Site from outside the United States do so on their own initiative and are responsible for compliance with applicable laws.
Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
WE MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, FREE FROM HARMFUL COMPONENTS, OR THAT ALL INFORMATION WILL AT ALL TIMES BE COMPLETE, ACCURATE, OR CURRENT.
WE DISCLAIM IMPLIED WARRANTIES TO THE EXTENT PERMITTED BY LAW, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Some jurisdictions do not permit certain warranty exclusions, so some of these exclusions may not apply to you.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CAPSTONE HEALTH MANAGEMENT AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Capstone Health Management and its affiliates, officers, directors, employees, and agents from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the Site, your material violation of these Terms, or your violation of the rights of another person or entity.
Suspension and Termination
We may suspend, restrict, or terminate access to all or part of the Site when reasonably necessary to protect the Site, users, our business, or third parties; to address suspected misuse or unlawful activity; or as otherwise permitted by law.
Severability
If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in effect.
No Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.
Governing Law
These Terms and any disputes arising from or relating to the Site will be governed by North Carolina law, without regard to conflict-of-law principles, except to the extent otherwise required by federal law.
Contact Us
Questions regarding these Terms may be directed to:
Capstone Health Management, Inc.
2324 Concord Lake Rd
Concord, NC 28025
admin@capstonehealthplan.com