Journi, Inc. (“Journi”) provides this web and mobile platform (the "Platform") as part of Journi’s services. Use of the Platform and related services are subject to these terms and conditions (the "Terms"). Note that the web platform is being made available to users in phases, so access to the web platform is not guaranteed.
The information provided through the Platform is not a substitute for the advice of your personal physician or other qualified health care professional. Always seek the advice of your physician or other qualified health care professional with any questions you may have regarding medical symptoms or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in the Platform. If you think you have a medical or psychiatric emergency, call 911 or go to the nearest hospital.
Revisions, updates and changes
Evolving technology will continue to provide the Platform with new and better ways to safeguard your information. We may update this statement in the future to reflect these technological advances, and we encourage you to return to this page from time to time for any updates.
Features in beta version
Journi may occasionally make available some features that are still in their beta stage and may be subject to further development. Such features will be marked in the Platform as being "beta." You may choose to try such beta features or not in your sole discretion. By using beta features, you acknowledge that such features may operate differently than other Platform features and that you may notice issues with beta features that may require further development. We reserve the right to re-design, modify, or cease offering these features at any time without advance notice. Journi will have no liability for any harm or damage arising out of or in connection with beta features.
No content on the Platform is intended to replace or amend your health insurance coverage or health insurance coverage language. You should always consult with your health insurance company for details about your health insurance benefits.
No medical advice
The Platform does not provide medical advice, diagnosis, or treatment, and the information available does not create a physician-patient relationship or constitute the practice of medicine. Information and services provided by the Platform should not be used as a substitute or supplement for professional medical advice. If you have medical or health-related questions, contact your physician. We are not responsible for your decisions or actions taken based upon the services provided through the Platform. We shall not have any responsibility for decisions made or actions taken or not taken based upon the Services.
Online privacy and security
We attempt to protect online information according to applicable laws and established company security standards and practices. We have security measures in place to protect against the loss and misuse or alteration of information under our control, and we continually evaluate new technologies for safeguarding your information. However, we cannot guarantee the confidentiality or security of electronic transmissions via the Internet because they may potentially use unsecure computers and links, and data may be lost or intercepted by unauthorized parties during such transmission.
Cookies, Pixels and Similar Technologies
Technologies like cookies, pixels and other identifiers (collectively, "Cookies and Similar Technologies") are used to deliver, secure and understand products and services that we offer. Cookies are small files that are placed on your browser or device by the website you are viewing or app you are using. Pixel tags (also called clear GIFs, web beacons or pixels) are small blocks of code on a website or app that allow them to do things like read and place cookies and transmit information to us.
When you allow us to collect location data, we may use that information to provide and improve Platform features, such as finding you a nearby provider. You may turn off location data through your phone or browser settings.
Most browsers will allow you to disable cookies, can be set to notify you when you receive a cookie and thus give you an option to not accept it, or will allow you to choose an option not to have the browser track you. If you choose to disable cookies, certain functionality of a website or the Platform may be impaired or not work at all.
You agree that we, our Infrastructure Vendors, or our Third Party Partners may collect the following information periodically and without further notice to you as a result of your use of the Platform: technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals.
Your account and passwords
You are responsible for taking all reasonable steps to ensure that no unauthorized person shall have access to your password or account. It is your sole responsibility to (1) control the disclosure and use of your user name and password; (2) authorize, monitor, and control access to and use of your account and password; and (3) promptly inform us of any need to deactivate a password. You agree not to provide your user name in a manner that allows for any use of data mining, robots, or similar data gathering and extraction tools or any downloading or copying of account information for the benefit of another party.
As part of your participation in using this Platform, you may be asked to provide certain personal information, including your name, physical address, email address, date of birth, phone number, and insurance information. Should you want to access data regarding a dependent, you must have legal authority to receive this information. You agree that the information you provide is true, complete, current, and accurate and that you will maintain and update this personal information as necessary.
If you are not a member of your employer’s Group Health Plan, or if you choose not to provide certain information, you may have more limited experience using the Platform.
Fingerprint identification/facial recognition on the Platform
We may offer the option to sign in to the Platform using fingerprint identification or facial recognition. You can enable or disable this feature by updating the fingerprint identification or facial recognition setting in your Platform settings. We do not have access to your fingerprint or facial recognition information. If you choose to save your user name and password, which is required to enable fingerprint identification or facial recognition, they will be stored per your device and operating system’s management of this data and not on our system.
You acknowledge that by enabling fingerprint identification or facial recognition, anyone who has a fingerprint or facial identification stored on your device will be able to access your account on the Platform. We caution you against storing the fingerprints or facial identification of others on your device. If you choose to do so and enable this sign in feature in the Platform, you should make sure that the individuals who have fingerprints or facial identification stored on your device are authorized to access the personal and account information available through the Platform.
We reserve the right to suspend or disable this feature at any time. For information on how your fingerprint, facial identification, and data are used and stored, refer to your device and operating system documentation.
Emails, Push notifications and Other Communications
As part of your use of the Platform, you may receive notifications, alerts, emails, and other electronic communications from us or sent on our behalf by a Third Party Partner or Infrastructure Vendor. We may need to provide you with certain communications, such as service announcements or administrative messages. You agree to receivet of these communications. Any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including that the communication be in writing.
From time to time, we, or a Third Party Partner or an Infrastructure Vendor on our behalf, may send you communications to inform you about products, services, or new features that you may be interested in. You may opt out of receiving such communications through either going to your account settings and adjusting your communication preferences or by following directions to opt out or unsubscribe contained in the communication.
We, or a Third Party Partner or an Infrastructure Vendor on our behalf, may send you requests for feedback. You may opt out of receiving such communications by following the directions to opt out or by using the unsubscribe option contained in the communication. We, or a Third Party Partner or Infrastructure Vendor on our behalf, may also solicit feedback, including feedback regarding Beta features, through links available to you in the Platform that will take you to a survey or other questionnaire, should you choose to participate. Such participation is voluntary, and the feedback you provide may be inked to your user name or account.
When you are signed in to the Platform via the mobile application, you may additionally receive a message asking if you would like to allow in-App push notifications. Push notifications are a way for an application to deliver information, including alerts, sounds, and icon badges, to your mobile device. Push notifications can be delivered whether or not you are currently signed in and/or using the application and whether or not your device is in locked and/or in sleep mode. If you do not wish for others to view your notifications, you should adjust the privacy settings on your device. If you do not wish to receive push notifications from us, click "Don't Allow" or a similar button, when prompted. If you allow push notifications from us but later decide you no longer want to receive them, you can adjust your mobile application settings options, or turn them off through your device notifications settings.
User Submissions, Platform Use and Content
You are responsible for your own actions and communications in the Platform and consequences of such activity. You may not use the Platformin any manner that may: adversely affect the resources or the availability of the Platform to others; violate any local, state, national, or international law; delete or revise any content other than your own user-inputted content or that of your dependent on the Platform; or collect or store personal information about other visitors. You may not submit or post any material or information that is illegal; fraudulent, false, misleading, or deceptive; that is obscene, threatening, discriminatory, harassing, hateful, racially or ethnically offensive, defamatory, violent or promoting violence, or invasive of privacy; infringing of proprietary rights of any person or entity; or which contains software viruses, corrupted data, cancel bots, commercial solicitations, mass mailings, or any form of "spam." You may not use a false email address to impersonate any person or otherwise mislead as to the origin of any material or information you submit or post. You may not use or attempt to use another user’s account without authorization.
Some parts of the Platform may allow you to post notes to your profile, or to communicate with us or our Third Party Partners, including the submission of images, materials, or information ("Personal User Content"). In providing Personal User Content, you acknowledge that we, and our Third-Party Partners or Infrastructure Vendors on behalf of us, may use the information to provide you services, show you content and material that's most relevant to you, improve our products and services, and help keep our products and services secure. As part of these efforts, we, or a Third Party Partner or Infrastructure Vendor on behalf of us, may monitor your communications with us or Third Party Partners. We may offer features that allow you to provide access to information in your account to others, including caregivers and members of your family. Personal User Content, including photographs you upload to your account, may also be visible to those to whom you provide access to account information, as well as to Care Guides and others assisting you with an issue. If you have a unique user name and/or password to access secure areas, you are responsible for protecting the user name and/or password and for any unauthorized use by others, with or without your permission.
Some parts of the Platform may allow you or other users to publicly post content ("Visitor Content”). You grant us the unrestricted right to use or distribute, free of charge, any Visitor Content posted on the Platform by you. You acknowledge that you are not entitled to any form of compensation if you choose to submit ideas, feedback, or suggestions to us, and you grant us an unrestricted right to the ideas, feedback, or suggestions. You continue to own Personal User Content and any identifiable data that you consent to share with us from other sources. For data that cannot be connected or linked to an identifiable person, we own this data, along with data collected, created, or derived from the Platform. Journi may also use data it receives on behalf of your group health plan, and that data is owned by the group health plan. If you terminate your membership in the group health plan, that data may no longer be available within Journi.
We do not represent or guarantee the truthfulness, accuracy, or reliability of any Personal User Content or Visitor Content or endorse any opinions expressed by users. Any reliance on Personal User Content or Visitor Content is at your own risk.
We may review, remove or edit any Personal User Content or Visitor Content at our discretion. We are not required or obligated to monitor any Personal User Content or Visitor Content but we have the right to do so for the purposes of our operational services, ensuring compliance with these Terms, and complying with applicable law or other legal requirements. We may consult with and disclose unlawful conduct to law enforcement authorities and, pursuant to valid legal process, we may cooperate with law enforcement authorities to prosecute users who violate the law. We have no responsibility and assumes no liability for Personal User Content or Visitor Content.
Use of Bill Payment Feature
If you have access to and use the Platform's bill payment feature, you may use a third-party payment method (such as a credit card, debit card, and certain Health Savings Accounts) to pay certain health care bills that are reproduced based on the patient responsibility asserted on your insurer's explanation of benefits. Bills reflected in the Platform may not represent all amounts owed to your providers. You agree that you remain ultimately responsible for payment of amounts owed for any medical services you receive.
We use a Third Party Partner, Mastercard Gateway, to store your card information, process payments, and provide Journi with a token that represents your card to the store, rather than storing this information ourselves. Here is a link to their Privacy Notice: https://mastercard.us/en-us/about-mastercard/what-we-do/privacy.html.
The bills reflected in the Platform are based on claims information from your insurance company and may reflect adjustments made by or other payments to the provider who submitted the claim. If the amount you owe is adjusted after you submit a payment but while your payment is still being processed, we may notify you that the adjusted amount can instead be paid to the provider, and you will have the opportunity to choose whether to change the payment amount. If the amount you owe is adjusted after your provider has already processed the payment submitted through the Platform, you are responsible for submitting an additional payment if the amount owed was increased, or for seeking a refund from the provider if the amount owed was decreased. Some providers may choose not to participate in the Platform's services.
On occasion after you use the bill payment feature in the Platform to authorize the payment of a bill, we may need to reach out to the provider who sent the bill in order to facilitate the payment or to help resolve payment issues relating to the bill. By using this Platform, you authorize us to act as an agent on your behalf for the limited purpose of communicating with the provider in order to coordinate your payment of the bill or resolve payment issues through the Platform. We are not an agent of the provider.
Should you be notified that a provider does not participate in the Platform's services or has not processed the payment you submitted through the Platform, we will refund your payment and you are still responsible for payment to the provider and agree to pay the provider through a different method. We allow at least 90 days for the provider to process your submitted payment. We are not responsible for any fees or charges, including late fees, your provider assesses because you attempted to submit a payment using the Platform.
Use of a HSA Account
If you are using a Health Savings Account ("HSA") for payment of a bill through the Platform, you are responsible for determining whether a provider payment is a qualified medical expense for which you can use your HSA to pay. You remain responsible for determining any tax implications, consequences, or amounts owned from the use of your HSA account and remain solely responsible for any taxes owed.
We may receive a portion of the interchange fees from the transaction. This portion, which is paid by the provider, is used in part to offset our administrative costs for providing this service.
Bill Payment Cancellation and Refund policy
You may request cancellation or refund of a payment for a bill made through the Platform as long as the provider to whom you are sending the payment has not accpeted the payment. Journi will return canceled or refunded payments back to the payment method you used for making the payment. We strive to cancel or process a refund of a payment as soon as possible, but the time required for a refund to be completed depends on the issuer of your payment method (as an example, your credit card company) and may take up to 30 days after making the request for cancellation.
Once a provider has accepted payment, Journi will not be able to fulfill a refund request, and you should contact the provider directly to request the refund.
ALTHOUGH WE ATTEMPT TO MAINTAIN THE ACCURACY AND INTEGRITY OF THE CONTENT ON THE PLATFORM WE MAKE NO GUARANTY AS TO ITS CORRECTNESS, COMPLETENESS, OR ACCURACY. THE PLATFORM ALONG WITH ALL INFORMATION, CONTENT, MATERIALS AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU ARE PROVIDED BY US ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE PLATFORM, AVAILABILITY OR SECURITY OF THE PLATFORM, OR THE INFORMATION, CONTENT, MATERIALS, OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE PLATFORM. YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORM, AND THE SUBMISSION OF ANY INFORMATION BY YOU, IS AT YOUR SOLE RISK. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
YOU ULTIMATLEY REMAIN LIABLE FOR PAYMENT OF YOUR PATIENT RESPONSIBILITY TO YOUR PROVIDER FOR ANY AMOUNT OWED AND DIRECT, INDIRECT AND/OR CONSEQUENTIAL DAMAGES, INCLUDING LATE PENALTIES, CHARGEBACKS, INTEREST AND ADDITIONAL FEES. ANY DISPUTES OVER CHARGES BY THE PROVIDER ULTIMATELY ARE TO BE RESOLVED BETWEEN YOU AND THE PROVIDER. YOU AGREE THAT JOURNI IS NOT RESPONSIBLE OR LIABLE FOR ANY RESOLUTION OF DISPUTES OVER CHARGES.
Limitation of liability
WE AND OUR SUPPLIERS AND LICENSORS (INCLUDING, FOR THE PURPOSES OF THIS ENTIRE SECTION, ALL THIRD PARTY PARTNERS, INFRASTRUCTURE VENDORS, AND ANY OTHER PROVIDER OF SERVICES AND CONTENT FOR THIS PLATFORM) SHALL NOT BE LIABLE TO YOU, UNDER ANY CIRCUMSTANCES OR UNDER ANY THEORY OF LIABILITY OR INDEMNITY, FOR ANY DAMAGES OR PENALTIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) IN CONNECTION WITH THE USE OR INABILITY TO USE THE PLATFORM, EVEN IF ANY OF THEM HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Use of content
The contents of the Platform are protected by copyright. The collective work of the Platform may also include work that is the property of others, which work is also protected by copyright or other intellectual property laws. Unauthorized use may violate copyright, trademark, and other laws. We authorize you to view and download material on the Platform solely for your own personal, non-commercial use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.
We respect the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, you may send us a notice requesting that the material be removed. When submitting a notice, provide us with the following information: (i) a physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Platform ; (iv) your address, telephone number, and email address; (v) a statement by you, made under penalty of perjury, that the above information in your notice is accurate, that you are the copyright owner or authorized to act on the copyright owner's behalf, and that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law. Our Copyright Agent for notice of claims of copyright infringement can be reached as follows: Copyright Agent, Attn: Legal Department, P.O. Box 1271, Portland, OR 97207.
Our name and any other names of Journi or its websites, publications, products, content, or services referenced on the Platform are our exclusive trademarks or service marks, including without limitation the "look and feel" of the Platform and the color combinations, layout, and other graphical elements. You may not use our trademarks in any manner without our express, written permission. Other product and company names that appear may be subject to trademark or other rights of other parties.
We may also provide access to services managed by Third Party Partners with whom we have made arrangements to offer you these services through the Platform . These Third Party Partners may be co-branded, meaning that they display our logo and the logo of the Third Party Partner, or white-labeled, meaning that they display just our name and/or logo, but they are owned and controlled by the Third Party Partner. In each such instance, where practicable, we will let you know when you are leaving the Platform and accessing a Third Party Partner. The Third Party Partners may collect data you submit to provide you with access to their service; to understand how you use their services; to troubleshoot and protect against errors; to perform data analysis and testing; and to improve their products, among other possible uses. Some of the services made available through the Platform may be subject to additional Third Party Partner terms, privacy policies, and disclosures, and those terms, privacy policies, and disclosures are incorporated into these Terms by reference, including the following Third Party Partner terms, privacy policies, and disclosures:
Certain portions of the Platform use data from Paraphrase.org, licensed under a Creative Commons Attribution 3.0 US License and which cites Pavlick, Ellie; Rastogi, Pushpendre; Ganitkevitch, Juri; Van Durme, Benjamin; and Callison-Burch, Chris, “PPDB 2.0: Better paraphrase ranking, fine-grained entailment relations, word embeddings, and style classification,” Proceedings of the 53rd Annual Meeting of the Association for Computational Linguistics and the 7th International Joint Conference on Natural Language Processing (Volume 2: Short Papers), 425—430, available at http://www.aclweb.org/anthology/P15-2070.
Linking to and framing of this Platform
You may not frame any our content, or use any trademark, logo, or other proprietary information on this Platform , without our express written consent. You may not use our name or trademarks in any metatags or other hidden text without our express written consent. You may link to this Platform for noncommercial purposes only. We reserve the right to demand you remove any such link at any time, for any or no reason, and at our sole discretion.
Restrictions on Minors Under 18 Using the Platform / Compliance with COPPA
The Platform is not to be used by any individual under the age of 18 and is not directed at anyone under the age of 18. We do not knowingly permit registration or submission of personally identifiable information by anyone younger than 18 years of age. We comply with the Children's Online Privacy Protection Act.
We are based in the state of Oregon in the United States. This Platform , including Third Party Partner services, is provided for use only by persons located in the United States. We make no claims that this Platform is accessible or appropriate outside of the United States. Access to the Platform may not be legal by certain persons or in certain countries. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
We may terminate your right to access or use the Platform at any time without notice. We reserve the right to block, delete, or stop the uploading of materials and communications that it in its sole discretion finds unacceptable for any reason.
Governing law and disputes
These Terms, and any dispute that may arise between you and Journi, will be governed by the laws of the State of Oregon without regard to conflict of laws or principles. The Terms, as may be amended from time to time, set forth the entire understanding between you and Journi as to the subject matter of the Terms, unless otherwise specifically provided under a written agreement. Jurisdiction and venue will be in the courts of Multnomah County, Oregon, or, where jurisdiction is federal, in the District of Oregon’s Portland courts for any disputes arising out of or relating to these Terms.
If any provision of the Terms is found to be invalid or unenforceable, the remainder of the Terms shall remain in full force and effect, and all Terms shall be enforced to the fullest extent permitted by law. No waiver or failure to assert any provision of the Terms shall be valid unless in writing and signed by an officer of Journi. We may assign its rights and duties under the Terms to any party, at any time, without notice. We reserve all rights not expressly granted in these Terms.
We manage and protect your personal information in accordance with applicable laws and established company security standards and practices. You may find our privacy policies at journi.com/privacy-policy
Please contact us at firstname.lastname@example.org or by writing Journi, P.O. Box 1271, Portland, OR 97207.
Effective Date: April 1, 2021