Effective as of 02/05/2025
These terms and conditions ("Agreement") set forth the general terms and conditions of your use of the weltrio.com website ("Website" or "Service") and any of its related products and services (collectively, "Services"). This Agreement is legally binding between you ("User", "you" or "your") and Weltrio ("Weltrio", "we", "us" or "our"). By accessing and using the Website and Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. If you are entering into this Agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this Agreement, in which case the terms "User", "you" or "your" shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this Agreement, you must not accept this Agreement and may not access and use the Website and Services. You acknowledge that this Agreement is a contract between you and Weltriod, even though it is electronic and is not physically signed by you, and it governs your use of the Website and Services.
You shall pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. Where Services are offered as a free analysis, payment may be required after the free assessment is provided, and not when you enter your billing details (which may be required prior to providing the free analysis). If, in our judgment, your purchase constitutes a high-risk transaction, we will require you to provide us with a copy of your valid government-issued photo identification, and possibly a copy of a recent bank statement for the credit or debit card used for the purchase. We reserve the right to change products and product pricing at any time. We also reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel any order.
Occasionally there may be information on the Website that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, availability, promotions and offers. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information on the Website or Services is inaccurate at any time without prior notice (including after you have submitted your order). We undertake no obligation to update, amend or clarify information on the Website including, without limitation, pricing information, except as required by law. No specified update or refresh date applied on the Website should be taken to indicate that all information on the Website or Services has been modified or updated.
Although the Website and Services may link to other resources (such as websites, mobile applications, etc.), we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked resource, unless specifically stated herein. We are not responsible for examining or evaluating, and we do not warrant the offerings of any businesses or individuals or the content of their resources. We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties. You should carefully review the legal statements and other conditions of use of any resource which you access through a link on the Website and Services. Your linking to any other off-site resources is at your own risk.
In addition to other terms as set forth in the Agreement, you are prohibited from using the Website and Services or Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Website and Services, third party products and services, or the Internet; (h) to spam, phish, pharm, pretext, spider, crawl, or scrape; (i) for any obscene or immoral purpose; or (j) to interfere with or circumvent the security features of the Website and Services, third party products and services, or the Internet. We reserve the right to terminate your use of the Website and Services for violating any of the prohibited uses.
"Intellectual Property Rights" means all present and future rights conferred by statute, common law or equity in or in relation to any copyright and related rights, trademarks, designs, patents, inventions, goodwill and the right to sue for passing off, rights to inventions, rights to use, and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, rights to claim priority from, such rights and all similar or equivalent rights or forms of protection and any other results of intellectual activity which subsist or will subsist now or in the future in any part of the world. This Agreement does not transfer to you any intellectual property owned by Weltrio or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with Weltrio. All trademarks, service marks, graphics and logos used in connection with the Website and Services, are trademarks or registered trademarks of Weltrio or its licensors. Other trademarks, service marks, graphics and logos used in connection with the Website and Services may be the trademarks of other third parties. Your use of the Website and Services grants you no right or license to reproduce or otherwise use any of Weltrio or third party trademarks.
You agree that such Service is provided on an "as is" and "as available" basis and that your use of the Website and Services is solely at your own risk. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranty that the Services will meet your requirements, or that the Service will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of the Service or as to the accuracy or reliability of any information obtained through the Service or that defects in the Service will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of Service is done at your own discretion and risk and that you will be solely responsible for any damage or loss of data that results from the download of such material and/or data. We make no warranty regarding any goods or services purchased or obtained through the Service or any transactions entered into through the Service unless stated otherwise. No advice or information, whether oral or written, obtained by you from us or through the Service shall create any warranty not expressly made herein.
To the fullest extent permitted by applicable law, in no event will Weltrio, its affiliates, directors, officers, employees, agents, suppliers or licensors be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability, including, without limitation, contract, tort, warranty, breach of statutory duty, negligence or otherwise, even if the liable party has been advised as to the possibility of such damages or could have foreseen such damages. To the maximum extent permitted by applicable law, the aggregate liability of Weltrio and its affiliates, officers, employees, agents, suppliers and licensors relating to the services will be limited to an amount greater of one dollar or any amounts actually paid in cash by you to Weltrio for the prior one month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails of its essential purpose.
You agree to indemnify and hold Weltrio and its affiliates, directors, officers, employees, agents, suppliers and licensors harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys' fees, incurred in connection with or arising from any third party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your Content, your use of the Website and Services or any willful misconduct on your part.
All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or portion of any provision of this Agreement shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect.
The formation, interpretation, and performance of this Agreement and any disputes arising out of it shall be governed by the substantive and procedural laws of Utah, United States without regard to its rules on conflicts or choice of law and, to the extent applicable, the laws of United States. The exclusive jurisdiction and venue for actions related to the subject matter hereof shall be the courts located in Utah, United States, and you hereby submit to the personal jurisdiction of such courts. You hereby waive any right to a jury trial in any proceeding arising out of or related to this Agreement. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.
You may not assign, resell, sub-license or otherwise transfer or delegate any of your rights or obligations hereunder, in whole or in part, without our prior written consent, which consent shall be at our own sole discretion and without obligation; any such assignment or transfer shall be null and void. We are free to assign any of its rights or obligations hereunder, in whole or in part, to any third party as part of the sale of all or substantially all of its assets or stock or as part of a merger or business transaction as approved by the shareholders.
We reserve the right to modify this Agreement or its terms relating to the Website and Services at any time, effective upon posting of an updated version of this Agreement on the Website. When we do, we will revise the updated date at the bottom of this page. Continued use of the Website and Services after any such changes shall constitute your consent to such changes.
You acknowledge that you have read this Agreement and agree to all its terms and conditions. By accessing and using the Website and Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to access or use the Website and Services.
Weltrio DOES NOT provide any medical or prescription drug advice and users of this web site should consult with their own doctor or physician for medical or prescription drug advice.
This web site (the "Site") is a general service that provides health and insurance information over the Internet and face to face virtually or physically. We are not a medical office and our employees are not acting as your doctor or healthcare professional. The information contained in the Site is general health or insurance information and should not be construed as medical advice to be applied to any specific factual situation. If you are unsure whether your particular situation requires that a treatment or prescription be changed, you should consult a doctor. Any use of the Site DOES NOT create or constitute a doctor-patient relationship between Weltrio or any employee of or other person associated with Weltrio and a user of the Site. As the law differs in each legal jurisdiction and may be interpreted or applied differently depending on your location or situation, the information or use of documents on the Site is not a substitute for the advice of a doctor.
Any information on the Site is subject to our Terms and Conditions. For the most part, our Terms and Conditions specify that there is no guarantee or warranty and that we are not responsible for any loss, injury, claim, liability, or damage ("damages") related to your use of the Site, whether from errors or omissions in the content of the Site or any other linked sites. We are not responsible for any damages from the Site being inaccessible to the user and use of the Site is at your own risk. Refer to our Terms and Conditions regarding details of any exceptions such as our Quality Guarantee.
While we have worked to make our Site and all the features on our Site compatible with the most commonly used browsers, we cannot represent or guarantee that every feature will work with your browser.
Use of our Site is governed by our Terms and Conditions; refer to this document for more information.
If you would like to contact us to understand more about this Agreement or wish to contact us concerning any matter relating to it, you may send an email to [email protected].
We analyze and generate your Weltrio based upon the information provided during the qualifying submission process. You certify that all information you have provided is accurate to the best of your knowledge and agree to hold Weltrio and its affiliates, directors, officers, employees, agents, suppliers and licensors harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys' fees, incurred as a result of inaccuracies on your Weltrio results as a result of inaccurate information provided to us during the qualification submission. Weltrio will keep record of all responses received during the qualification submission, as well as any additional information received after the initial qualification submission.
We are engaging due to our ability to help clients navigate and reduce costs related to health insurance. We charge reasonable fees for this process. We also provide a complementary discovery process to help determine the estimated savings of Weltrio before engaging in services. If during the discovery effort it is determined that no savings can reasonably be identified, no fees will be charged and any deposits will be returned.
This agreement is for the scope of services that includes only health insurance consulting work by Weltrio. This work may include navigating laws and rules affecting the client, health related coaching of the clients employees and dependents, and financial forecasting. In the scope of our consulting work we seek to identify the most favorable opportunities allowable under the healthcare law to arrange health insurance benefits, prescription alternatives, or health related lifestyle coaching for our clients employees and dependents so as to minimize various costs and expenses related to employer sponsored healthcare.
All the work that we do requires substantial access to client or client employee information. It is the responsibility of the client to provide full and timely information - and it is our responsibility to ask clearly for all such information. We hold all information in total privacy to the client. Only personnel performing the actual services agreed upon have access to client information. We are also willing to return and remove all records of any client information upon request from said client.
Client information includes documents and records, correspondence, benefits plan details, and intangible information such as trade secrets, business relationships, processes, intellectual property and all other forms of proprietary client information.
In providing health insurance consulting services we always seek to remain safely in the realm of applicable healthcare law. All advice we provide is to the best of our knowledge within the lawful scope allowable under Health Insurance Portability and Accountability Act (HIPAA). In the case of newly issued laws, and infrequently in the case of more established ones, HIPAA may provide case rulings that interpret, clarify, restrict, or expand the written law. These rulings provide a precedent for safe processes. In the absence of such precedence, we follow the law as best it can be interpreted.
We are always prepared to explain applicability of any HIPAA law to any client or associate of such client as it relates to our service. We never move forward with any execution until understanding and consent is satisfactorily achieved.
When a client we have advised comes under audit by a HIPAA authority, unless otherwise specified in our agreement, we are willing to provide documentation and assistance to provide the best case conceivable for our client. While we cannot guarantee the results of any audit, we can provide an explanation of the lawfulness of the course taken, sound documentation, and willingness to work directly with the client through the process to seek favorable results. When planning is done in this way, it is our experience that audits are fair. We do not issue HIPAA opinions - all our work is based on well-established law directly.
When an error is identified, we are committed to making it known immediately to our client and providing a path for resolution. If the error was clerical or otherwise due to incorrect process on our part, we seek to fix it to the full extent of our ability without requiring additional fees for service. If the error is due to a material omission or refusal to provide information on the part of a client, we may need to negotiate terms of resolution.
In all affairs, we will seek to do what is best for our clients. We are in good will and faith to seek to help every client successfully reduce their healthcare related expenses by all legal means available to them. We seek to avoid any practice that will bring any unnecessary burden or difficulty to our clients by understanding their business and seeking to act prudently to protect and assist in its success.
If you would like to contact us to understand more about this Agreement or wish to contact us concerning any matter relating to it, you may send an email to [email protected].
This document was last updated on February 8, 2025