These Terms and Conditions are a contract between subscription members, expatriate partners, providers, or visitors (collectively, “you” or “your”) and The Barriffe Insurance Group. Our commitments as a service provider and your obligations are outlined.
Welcome to The Barriffe Insurance Group! The following terms and conditions govern the use of The Barriffe Insurance Group (BIG) website located at (www.barriffeinsurancegroup.com). By accessing or using our website(s), you indicate that you have read and agree to comply with and be bound by the Terms and Conditions detailed below. If you do not agree, please exit this or any other site owned and operated by The Barriffe Insurance Group.
Last updated on October 15, 2024. The terms have been updated to clarity and transparency, which are in alignment with our business mission and values. The updates include requirements for subscribers who participate in our partner donation program, which helps to subsidize health care access for our health subscription members.
Unless otherwise noted, you and your expatriate partner are responsible for paying your subscription fees based on the pricing of selected plans. The pricing details and responsibilities for both expatriate partners and health subscription members are outlined in your plan. To review your payment responsibilities, see the plan description in your account profile.
BIG Health Subscription Plans: Use of our services generally requires expatriate partners and subscription members to pay a yearly auto-renewal fee in addition to the monthly subscription fee based on the chosen subscription plan. The subscription plan consists of the buy-in and subscription fees. The health subscription pricing plan may vary by region and includes information set out in the health subscription offer details and pricing page. We may update or amend the pricing plans from time to time to account for inflation and changes in the healthcare enterprise. The terms of the health subscription plan form part of these Terms & Conditions.
As with any other changes to our Terms & Conditions, changes to the pricing plan will not apply retrospectively. If and when changes are made, BIG will make every effort to notify both expatriate partners and health subscription members. Changes to your subscription plan can be made on your account profile. Depending on the time elapsed in your annual subscription period, upgraded changes to your health subscription plan may require a higher buy-in fee. Depending on your expatriate country location or method of payment, subscription fees may be inclusive or exclusive of transactional taxes where relevant (including but not limited to value-added taxes VAT, and goods and services taxes, GST), and are not reflected in the health subscription pricing plan.
BIG uses your data solely to provide our services to you. In our fundraising campaigns, aggregated de-identified data may be used to acquire donations in order to ensure continued subsidized health memberships. Your use of the website is also governed by our Data Protections & Privacy Policy, which outlines how we collect, use, and protect your information.
All content published and made available on this website is the property of The Barriffe Insurance Group, the website’s creators, and its licensors and is protected by trademark, copyright, and other property laws. This includes, but is not limited to images, text, graphics, logos, documents, downloadable files, and software. Any reproduction, copying, reuse, or repurposing of the content of this website for commercial or non-commercial use without obtaining permission from The Barriffe Insurance Group is prohibited. Written requests for permission of use can be emailed to dpo@barriffeinsurancegroup.com.
We take reasonable precautions in line with international laws and industry standards to protect your confidential information, and we expect you to play your part.
When you create an account or enroll in a health subscription membership on our website, you agree to the following:
Users are prohibited from:
As health subscription members and partners, you may terminate your subscription with one month’s written notice. BIG may also terminate your subscription within this same one-month notification time frame. If you violate these terms, we may terminate your subscription immediately in accordance with the exceptions outlined below. If your subscription is terminated, no refunds are applicable, but rest assured, members and their partners are only responsible for services or claims that have been provided to you.
Subscription period: Your subscription continues for the period covered by the subscription fee paid or payable.
Termination by you: You may choose to terminate your health subscription at any time by providing BIG with one month’s advance written notice. Health subscription members and their partners will still need to pay all relevant fees up to and including the end of the annual subscription period.
Termination or suspension by BIG: We reserve the right to suspend or terminate your account or health subscription at any time without notice if:
If you fail to pay health subscription fees, we will take reasonable steps to notify you of failure. Subject to the processing and payment timing or your bank or credit or debit card provider:
In the event of suspension or termination, members reactivate their subscription by paying all outstanding subscription fees in full.
Any purchases or services made payable on our Site is not refundable.
The website and all its content are provided “as is” and without warranties of any kind or nature, express or implied, including but not limited to implied warranties for any particular use or purpose. We do not guarantee the accuracy or completeness of any information on the website.
The website may also offer goods and services from third-parties. We cannot guarantee the quality or accuracy of goods and services made available by third-parties on our website.
Our website may contain links to third-party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third-party website or service linked to our website. It is your responsibility to read the Terms and Conditions and Privacy Policy of these third-party websites before using these sites.
The Barriffe Insurance Group, our managers, officers, agents, employees, subsidiaries, and affiliates shall not be liable for any actions, claims, losses, damages, liabilities, and expenses, including but not limited to legal fees arising from your use of the website, including indirect or consequential losses.
ANY HEALTH-RELATED INFORMATION OR CONTENT PROVIDED ON OUR WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY. THIS INFORMATION IS NOT INTENDED TO SERVE AS MEDICAL ADVICE, DIAGNOSIS, MANAGEMENT, OR TREATMENT OF ANY MEDICAL CONDITION. NOTHING ON OUR SITE SHOULD BE USED AS A SUBSTITUTE FOR A CONSULTATION WITH LICENSED MEDICAL PROFESSIONALS, INCLUDING PHYSICIANS, PSYCHIATRISTS, PSYCHOLOGISTS, OR ANY OTHER CERTIFIED HEALTHCARE PROVIDER.
WE ENCOURAGE YOU TO SEEK PROFESSIONAL MEDICAL ADVICE REGARDING ANY HEALTH CONCERNS OR QUESTIONS YOU MAY HAVE. THE INFORMATION ON THIS SITE IS NOT TAILORED TO YOUR PERSONAL HEALTH CIRCUMSTANCES AND SHOULD NOT BE USED AS A BASIS FOR SELF-DIAGNOSIS OR SELF-TREATMENT.
BY USING THIS WEBSITE, YOU AGREE THAT THE BARRIFFE INSURANCE GROUP SHALL NOT BE HELD LIABLE FOR ANY HARM, INJURY, OR ADVERSE CONSEQUENCES RESULTING FROM THE USE OR MISUSE OF THE HEALTH-RELATED CONTENT PROVIDED. ALL DECISIONS BASED ON THE INFORMATION FOUND ON THIS SITE ARE MADE AT YOUR OWN RISK. IF YOU REQUIRE SPECIFIC MEDICAL ADVICE, PLEASE CONSULT A LICENSED MEDICAL PROFESSIONAL.
Except where prohibited by law, by using this site you agree to indemnify and hold harmless The Barriffe Insurance Group and our managers, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, expenses (including legal fees), damages, and liabilities that we incur arising out of, or in connection with a third party claim against us arising from your use of our services from your violation of these Terms and Conditions. Exceptions to this indemnity clause include losses arising from:
These terms are reviewed regularly to ensure compliance with legal standards and best practices. Therefore, we reserve the right to amend these Terms and Conditions at any time. Provisions that are deemed void will be removed from the Terms and Conditions. All other provisions unaffected will remain. Changes will be posted on this page, and continued use of the website constitutes acceptance of such changes.
These Terms are governed by the laws of the country in which we provide membership services, including Jamaica.
Whereby there are parts of these terms that either party is unable to enforce, those can be ignored, but everything else will remain enforceable.
For questions or concerns about these Terms, please contact us through our official communication channels. Our contact details are as follows:
support@barriffeinsurancegroup.com
You can also contact us through the feedback form available on our website.
The Barriffe Insurance Group, LLC (BIG) provides health subscriptions—a proven alternative to traditional health coverage. Our BIG health subscription memberships do not satisfy the requirements for traditional healthcare insurance coverage nor minimum essential coverage. This document constitutes a legally binding agreement to reimburse you for preventive medical expenses incurred, up to the annual maximum amount outlined in your health subscription plan, as long as you remain an active member. There is no assurance of payment for additional medical expenses that fall outside the parameters of your subscription plan.
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