Navia Terms and Conditions

These Terms and Conditions (the “Terms”) govern your use of Navia Benefit Solutions’ (“Navia”) website (the “Site”). By accessing, viewing, downloading or otherwise using or visiting the Site, you agree to these Terms and intend these Terms to be the legal equivalent of a signed written contract to which you are legally bound.

If you do not agree with these Terms do not use the website.

Changes, Revisions, and Updates to the Website

Navia may change, revise, or update the contents of the Website in Navia’s sole discretion without notice to you. Your use of the Website after such changes are implemented constitutes your acceptance of the changes. Please consult theses Terms regularly.

You may provide or have access to your Personal Information (see our Privacy Notice for details) on the Website. Additionally, your employer may have access to or provide certain Personal Information related to the employer’s role as a plan sponsor of benefits. Navia may use or disclose Personal Information to carry out our legal and business obligations.

Changes to the Privacy Policy and Privacy Notice

Navia reserves the right to amend or revise the terms of our Privacy Policy and Privacy Notice at any time. Review our Privacy Policy and Privacy Notice.

The employer may also provide a Notice of Privacy Practices related to the benefit plan administered by Navia. This is different from our Privacy Policy; to obtain a copy of the employer’s Notice of Privacy Practices please contact the employer.

Our Privacy Policy and Privacy Notice covers our treatment of information that we gather when you are accessing or using our Website. This policy does not apply to the benefit plans we administer, the practices of our clients, or to individuals that we do not employ.

Permissible Uses of Website Materials

Reproduction, distribution, or retransmission by you of any materials contained on the Website is prohibited without the prior express written permission of Navia. You may download a copy of materials only for personal non-commercial use.

Screen Scraping

Navia prohibits any unauthorized use or recording of data from our Website in any manner, including but not limited to, automated programs, software, or any methods of screen scraping.

No Solicitation or Offer

The Site provides general information about Navia, its products, and services. Although proposals may be generated, information on the Site or dispatched from the Site is not intended to constitute an offer to sell or a solicitation of any product or service.

No Legal Advice

The information contained on the Website is for general informational purposes only and is not intended as legal advice or tax advice and may not be relied upon as legal or tax advice. If you need legal or tax advice upon which you may rely, you must seek the advice of your attorney or tax advisor. If this communication includes information regarding federal taxes the information is general information and shall not be relied upon as an opinion, guidance, interpretation, or legal advice. No attorney-client relationship is established between you and Navia through use of the Website or otherwise under any circumstances.

Proprietary Information

You acknowledge and agree that the content accessible within the Website is the proprietary information of Navia and its content providers. Navia retains all right, title, and interest in the content. Reproduction, distribution, or retransmission by you of any materials contained on this website is prohibited without the prior consent of Navia. You may download a copy of materials only for personal non-commercial use. You shall not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, or any other proprietary notice or legend appearing on this Website.

Disclaimer: Errors and Omissions in Website Material

Information on this website may include inaccuracies, out-of-date information, or other errors or omissions. Although Navia is committed to keeping the information on this site as up to date as reasonably possible, use of such information is at your own risk.

Disclaimer: Implied Warranties

All documents, presentations, and other data are provided “as is” without warranty of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. You assume total responsibility and risk for your use of the website.

Limitation on Liability

Navia and all subsidiaries shall not be liable for ANY incidental, indirect, consequential, exemplary, punitive, or special damages, including loss of revenue or income ,lost profits, or any loss associated with a breach of PHI, or a loss of benefit dollars due your failure to take due care of your username, password, or other login credential including any  failure to act upon any notice or report to Navia any real or suspected unauthorized use or disclosure of your password or online account information. Further, Navia is not responsible for losses of benefit dollars due to the loss of, fraudulent use of, or fraud on cards/accounts by third party actors. Navia is not responsible for card data or benefit accounts being compromised on merchant websites or other third-party services/vendors where card data was disseminated.

Your sole remedy is to stop using the website. Signing on as or pretending to be another person without their authorization or permitting another to use, your password, impersonate you, or otherwise using the website for any illegal purpose or to violate any federal, state, local, or municipal law constitutes a material breach of these terms.

All Controversies arising out of participant, members of participants plan, or their agents use or participation in any website or platform managed or owned by Navia and its subsidiaries shall be settled by arbitration in King County, Washington, in accordance with the rules and statutory scheme of the Washington Uniform Arbitration Act (WUAA) (RCW 7.04A.010 to 7.04A.903).


You agree to defend, hold harmless, and indemnify Navia and its directors, officers, employees, representatives, principals, agents, content providers, licensors, services providers, and attorneys (“Indemnified Parties”) from and against any fraud, damages, liabilities, penalties, claims, costs, and expenses, including reasonable attorneys’ fees, whether at arbitration, trial, on appeal, or in any regulatory proceeding relating to or arising from use or disclosure of your password or online account information, failure to take due care of your password, online account information, or benefit card number, failure to report any  actual or suspected unauthorized use or disclosure, of your password or online account information or any breach by you of these Terms.

Use by children

The Website is not intended or designed to attract children under the age of 13 and Navia does not knowingly allow children under 13 to create an online account.


A cookie is a small piece of data which is sent from a web server to a web browser and stored locally on your hard drive. The purpose of a cookie is to identify and enhance your Website experience. We may place a permanent cookie on your hard drive which will not expire when you exit your browser. Our cookies will not be used to send spam, track your activity on third party Websites, or provide us with personal information about you. We do not store cookie information and Navia does not use the information.


To create an account on the Website you must provide information about yourself that matches the information provided by the employer. You are solely responsible for the protection of your password and online account and you must take proper steps to ensure no unauthorized person shall have access to your password or account. It is your responsibility to control the use and disclosure of your password and account and you must immediately call or otherwise inform Navia to deactivate the account or password if you have caused your password or account to be compromised or suspect your password or account has been compromised. You may contact Navia at the toll-free number posted on the “Contact Us” (Link to Contacts) link on the Website.

Third-party Website

The Website may link or contain links to other third-party Website (“Third-Party Sites”) that are not owned or controlled by Navia. Navia may also provide links to Third-Party Sites managed by Navia vendors. Such Third-Party Sites are provided as a service to you. These Third-Party Sites may have similar appearance to the Website but they are not owned or controlled by Navia. You acknowledge that Navia has no control over these Third-Party Sites and Navia expressly disclaims any responsibility for the content, accuracy, quality, security and privacy practices of the content, information, services, or products on these Third-Party Sites.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Washington without regard to its principles of conflicts of law. By accessing, viewing, or otherwise using the Website you consent to the jurisdiction of Washington federal and state courts and agree to service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available.


You acknowledge that in providing you access and use of the Website, Navia has relied on your agreement to be legally bound by these Terms. These Terms constitute the entire agreement between you and Navia regarding your use of the Website. If any part of this agreement is held invalid or unenforceable for any reason, all portions of the agreement remain in full force.