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	P.O. Box 210738, Columbia, SC 29221-0738 Phone: (803) 896-5290 scpcf@pcf.sc.gov

Website Usage, Disclaimer, and Privacy Policy

This scpcf.com website (the “Site” or “Website”) is provided by South Carolina Medical Malpractice Patients’ Compensation Fund (“PCF”). Use of this Site indicates your agreement to the following terms and conditions set forth below. If you do not agree with these terms and conditions, you may not use or access this Website. PCF will strive to ensure that information contained on our Website is both current and accurate. However, THE PCF CANNOT AND WILL NOT OFFER ANY WARRANTY OR GUARANTY OF ANY NATURE CONCERNING THE ACCURACY OR RELIABILITY OF ANY INFORMATION CONTAINED ON OUR WEBSITE. The information provided on this Website is published for informational purposes only. It is not intended to constitute medical, legal or any other type of professional advice. If you have a question requiring professional advice of any type (e.g. medical or legal advice), you should contact a licensed and qualified professional in the relevant field.

WEB LINKS
This Website is hyperlinked to other websites which are not maintained or controlled by PCF. If you access the third party sites linked to this Site, you do so at your own risk. The linked sites are not under the control of the PCF and we are not responsible for the content of any linked site or any linking program at any time. PCF does not endorse companies or products to which it links. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an email at scpcf@pcf.sc.gov.

WARRANTIES DISCLAIMERS
PCF DOES NOT WARRANT OR GUARANTEE THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY MATERIALS DISPLAYED IN THIS SITE. THE READER AGREES THAT ANY RELIANCE ON SUCH MATERIALS SHALL BE AT HIS OR HER SOLE RISK. IN NO EVENT SHALL THE PCF BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES RELATED TO THE USE OF THIS SITE OR ITS CONTENTS.

The PCF does not warrant that the Website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. PCF also assumes no responsibility and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images from this Website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission or line or system failure.

LIMITED LICENSE
Subject to your continued compliance with the terms and conditions set forth in this Usage Policy, PCF grants you a non-exclusive, non-transferable, limited right to access and use the information contained in this scpcf.com Website. PCF authorizes you to view and download the materials at this Site only for your personal, non-commercial use. This authorization is not a transfer of title in the materials and copies of the materials and is subject to the following restrictions:

You must retain, on all copies of the materials downloaded, all copyright and other proprietary notices contained in the materials.
You may not modify the materials contained in this Site in any way or reproduce or publicly display, perform, distribute or otherwise use them for any public or commercial purpose without express written permission from the PCF.
You must not transfer the materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under the terms and conditions of this Usage Policy.
You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

INFORMATION WE COLLECT
In the course of our business, it is sometimes necessary to collect “nonpublic personal information” about people who seek insurance services from us (“Members”). We do not collect any information unless it is required to serve our Members and to conduct our business. We collect information from sources such as our Members themselves, claims reports, and a Customer’s transactions with us or other insurers or brokers.

This Privacy Policy describes PCF’s practices for protecting the personal information of our Members.

USE AND DISCLOSURE OF CUSTOMER INFORMATION
We do not disclose any nonpublic personal information about our Members or former Members to anyone outside our organization, except to effect a transaction authorized by the Member or as required by law. We may disclose such personal information to our affiliate companies to complete transactions authorized by a Member, to service, process or administer business operations such as accounting, underwriting and claims.

SHARING OF INFORMATION WITH SERVICE PROVIDERS
The PCF Website is designed to give our Members, prospective Members and visitors a confidential means of gathering information about the PCF, services and products and for doing business with us over the Internet. From time to time, we may retain third parties to perform various support services for us (e.g. attorneys, mail houses, auditors, programmers) and may enter into relationships with other parties with whom we will jointly market various products and services. We may disclose limited amounts of Member information to these parties so they can perform their services or engage in joint marketing activities with us.

MEDICAL INFORMATION
If we receive a Member’s health information, we do not share such information with third parties or affiliates except as required to service the subject Member’s policy, account, claim or contract; for legitimate insurance functions; as allowed by applicable laws governing privacy of health records, or with the Member’s authorization.

CONFIDENTIALITY AND SECURITY OF CUSTOMER’S INFORMATION
The PCF goes to great lengths to maintain the privacy and security of our Member’s personal information. We maintain physical, electronic and procedural safeguards to protect all the information we collect. We are careful to ensure that our employees follow strict policies and procedures to protect the confidentiality of our Members’ personal information, and our computer systems are configured in a way to prevent inappropriate access by third parties. Our employees are allowed access to a Member’s personal information only to the extent they need to know that information to provide services to the Member or for other legitimate business purposes.

ACCURACY OF INFORMATION
It is important to us to keep a Member’s information current and accurate. Should information displayed on the PCF Website differ from the information in the policy sent to you, the policy sent to you will be considered the correct information. If you believe that our records are inaccurate or incomplete, please contact us at (803) 896-5290. We will address your concerns and correct any inaccuracies.

CHANGES TO OUR POLICY
This Privacy Policy may be changed from time to time. If we change our Privacy Policy, we will post those changes on this Website. You may wish to visit this page periodically to review the most recent Privacy Policy.