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Legal & Licensure

Legal and Licensure

1. Who we are

Mishi Care, Inc. This site is the home of Mishi Care, Inc. ("MC" or the “Company”);

2. What we do - identity and jurisdiction

3. Timeliness

The Company has taken reasonable steps to ensure that the information in these web sites is accurate and timely; however, the Company do not assume any responsibility for errors or omissions in these sites. These sites are subject to change without notice. Links to other sites, or any other links, documents, changes or updates within linked sites are provided only as a convenience and are not under the Company's control. Links are not endorsements by the Company and do not necessarily reflect the views or endorsement of their staff or management. The Company does not assume any responsibility for content linked to or from these sites, even if that content is provided within a frame of these sites.

4. Legal notices

Some of the descriptions of DPO products on this website are only general summaries. For complete information about benefits, exclusions, limitations, and renewability terms, please read the product brochure. To receive specific product brochures, call xxx-xxx-xxxx.

We are not responsible for the content of any other websites that might be linked to this one with or without our knowledge or consent. Likewise, we are not responsible for any of the conduct or activities of the domain name owners or the operators of any other websites that might be linked to this one with or without our knowledge or consent.

No warranties, expressed or implied, are made concerning the functionality of this or any linked website, and we are not responsible for any consequences, including, but not limited to, data corruption or any other direct or indirect damage, as a result of downloading anything from this or any linked website. Accuracy of lists and/or networks

Copyright: All materials, graphics, and photographic images created by or for the Company noted below and contained on these web sites are protected by United States copyright law. These sites may also contain material in which the copyright is held by the creator. All materials, graphics, and photographic images contained on these web sites may not be copied, reproduced, distributed, transmitted, displayed, published, or broadcast. This list is not meant to be exhaustive.

5. Producer compensation

We distribute most of our DPO products through independent business people. We refer to them as “brokers”. In some states they are called “producers” or “agents”.

Brokers do not work for any particular DPO company. Brokers work for their clients. Typically, brokers have contracts with several different companies. These contracts allow the brokers to submit their clients’ applications to the entity that has the most appropriate product for each client.

In keeping with the standard and historical practice of our industry, we pay commissions to brokers. These commissions are paid when plans are issued in response to applications the broker’s submit on behalf of their clients. Commissions are calculated as a percentage of the charges paid. Commissions paid during the first year in force coverage may be are higher, and later year commissions may be lower.

Now and then, we will offer financial incentives to brokers, paying them extra if they submit more applications. We also have some brokers (called “key brokers”) who regularly receive volume-based financial incentives.

6. Representations and Disclaimer of Warranty:

The materials and articles published on MishiCare.com (“Website”) are for informational purposes only. Nothing on the Website constitutes medical advice, legal advice, or any other form of advice. MC does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information (collectively, the “Information”) displayed or distributed through the Website. You acknowledge that any reliance upon such Information shall be at your sole risk. MC reserves the right, in its sole discretion to correct any errors or omissions to any Information or to any portion of the Website.

MC makes no representation about the suitability of the Information contained or discussed on this Website for any purpose. All such Information is provided “As Is” without warranty of any kind. All warranties, including without limitation express and implied warranties, conditions of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service will be corrected are expressly disclaimed.

7. Disclaimer of Liability:

MC expressly disclaims all liability for the use or interpretation by others of Information contained or discussed on this Website. MC shall not be liable in any event for any direct, indirect, punitive, incidental, special or consequential damages (collectively, the “Damages”) arising out of or in any way connected with the use of this Website or the delay or inability to use this Website, or for any Information obtained through this Website.

You hereby agree to indemnify, defend and hold MC, and all of its officers, directors, owners, agents, employees, information providers, affiliates and subsidiaries (collective the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of the use or interpretation by you of Information contained or discussed on the Website.

8. Third Party Websites:

This Website may include hyperlinks to third-party content, advertising or other websites. MC shall not be liable in any event for any Damages that may arise out of the use of this Website for any products or services or hypertext links to third parties or for any breach of security associated with the transmission of sensitive information through a third party site or any linked website.

MC assumes no responsibility for material created or published by third parties linked to the Website with or without MC’s knowledge. MC does not and cannot review all materials posted to the Website by third parties and MC is not responsible for any such materials posted by third-parties. However, MC reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or government request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in MC’s sole discretion are objectionable or in violation of any such law, regulation or government request.