Terms of Use

Legal Framework  |  Terms of Service  |  Operational Governance  |  Updated October 2026

Terms of Use

Welcome to the Care Navigation Portal (accessible at care.nfl-therapy.com). These Terms of Use constitute a legally binding agreement entered into between you (whether personally or on behalf of an entity) and the Care Navigation Portal regarding your access to and utilization of this website, including all published educational guides, statutory analysis archives, data matrices, and communication channels.

1. Acceptance of Terms & Binding Scope

By accessing, browsing, reading, or otherwise interacting with care.nfl-therapy.com, you affirm that you have read, understood, and agree to be bound by these Terms of Use, together with our Editorial Disclaimer and Privacy Policy. If you do not agree to each and every provision set forth herein, you are expressly prohibited from using this portal and must discontinue access immediately.

2. Eligibility & Age of Majority (18+ Requirement)

This portal is intended solely for adult individuals who possess the legal capacity to form a binding contract. By utilizing this website, you represent and warrant that you are at least eighteen (18) years of age. Individuals under the age of 18 may not access or use this portal without active supervision from a parent or legal guardian.

3. Educational Scope & Non-Clinical Boundary

All content published on the Care Navigation Portal is provided solely for educational, historical, and procedural information concerning behavioral healthcare insurance claims, parity statutes, and reimbursement mechanisms. Nothing contained on this website constitutes clinical advice, psychiatric counseling, medical diagnosis, formal legal representation, or financial consultation. Readers must not delay or forego professional healthcare consultations based upon materials viewed on this portal.

4. User Conduct & Prohibited System Interactions

You agree to access this portal solely for lawful, non-commercial purposes. When utilizing this website, you agree not to:

  • Attempt to disable, bypass, or circumvent any security features, access controls, or rate-limiting protocols of our servers.
  • Introduce malicious software, viruses, trojans, worms, logic bombs, or other technologically harmful components into our infrastructure.
  • Transmit unsolicited bulk emails, spam, commercial promotions, or chain dispatches through our editorial contact forms.
  • Engage in any denial-of-service (DoS) or distributed denial-of-service (DDoS) attacks against care.nfl-therapy.com.

5. ⭐ Prohibited Automated Scraping, Content Harvesting & AI Mining

Reservation of Intellectual Rights & Anti-AI Mining Restriction

All content, editorial guides, proprietary data tables, telephone scripts, procedural flowcharts, and written analyses published on care.nfl-therapy.com are protected under United States and international copyright laws.

Express Prohibition: The use of automated scrapers, web crawlers, data harvesting scripts, bots, spiders, or any automated extraction mechanisms to copy, compile, mirror, or ingest content from this website for the purpose of training, fine-tuning, developing, or evaluating artificial intelligence (AI) models, large language models (LLMs), or machine learning algorithms is strictly prohibited without prior explicit written authorization from our editorial directorate.

6. Intellectual Property Rights & Ownership

Unless expressly designated otherwise, all original text, graphic designs, code structures, data table compilations, and editorial layouts published on this portal are the exclusive intellectual property of the Care Navigation Portal. Official United States statutory citations, federal regulations, and public domain government documents cited herein remain within the public domain.

7. Limited Personal Non-Commercial License

Subject to your continuous compliance with these Terms of Use, the Care Navigation Portal grants you a limited, non-exclusive, non-transferable, revocable license to access, view, and print individual guides or procedural checklists solely for your personal, non-commercial educational use or to support your individual insurance claim appeal. You may not sell, republish, syndicate, redistribute, or commercially exploit any material obtained from this website.

8. Third-Party Commercial Advertising & Google AdSense

This portal displays third-party programmatic advertisements served by automated networks, primarily Google AdSense. We do not endorse, sponsor, or guarantee any commercial service, medical facility, insurer, legal firm, or product presented in automated advertisements. Your transactions or correspondence with third-party advertisers identified through our website are solely between you and the respective third-party entity.

9. Warranty Disclaimer (AS IS / AS AVAILABLE)

THE CARE NAVIGATION PORTAL, INCLUDING ALL CONTENT, TOOLS, DATA TABLES, AND SERVICES, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10. Limitation of Liability & Damages Cap

UNDER NO CIRCUMSTANCES SHALL THE CARE NAVIGATION PORTAL, ITS OFFICERS, DIRECTORS, EDITORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOSS OF REVENUE, LOSS OF HEALTHCARE BENEFITS, OR BUSINESS INTERRUPTION ARISING FROM YOUR USE OF OR INABILITY TO USE THIS PORTAL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. User Indemnification

You agree to defend, indemnify, and hold harmless the Care Navigation Portal, its affiliates, contributors, and Dr. Evelyn Reed, LCSW-C, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or legal fees arising out of or relating to your violation of these Terms of Use, your misuse of the portal, or your violation of any statutory rights of a third party.

12. Governing Law & Severability

These Terms of Use shall be governed by and construed in accordance with the laws of the United States of America, without regard to conflict of law principles. If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be severed, and the remaining provisions shall continue in full force and effect.

13. Modifications, Termination & Legal Inquiries

We reserve the right to amend, revise, or update these Terms of Use at any time at our sole discretion. Any modifications will be posted directly to this page with an updated timestamp. If you have questions concerning these Terms of Use or wish to request licensing permissions, please contact our legal desk at contact@nfl-therapy.com.