Terms & Policies
Airfare not included on Escapes.
Most meals included Lake Huron Escapes ONLY
No refunds on deposits or full payments due to the extensive planning involved in escapes.
Dial 911 for any Emergency! THIS WEBSITE IS NOT AN EMERGENCY-MONITORING OR EMERGENCY-RESPONSE SERVICE, AND ANY PERSON WHO IS AWARE OF AN EMERGENCY SITUATION OR BELIEVES THAT A PERSON MAY BE AT RISK OF INJURY OR DEATH OR WHO MAY HARM THEMSELVES OR OTHERS SHOULD DIAL “911” OR AN APPROPRIATE EMERGENCY RESPONSE NUMBER. MARLA K. RUHANA, MSW, CSW, INC. IS UNDER NO OBLIGATION TO MONITOR OR RESPOND TO COMMUNICATIONS OR POSTINGS MADE TO THIS WEBSITE.
This Website is intended and only suitable for individuals aged 18 and over. Some of the content on this Website may not be appropriate for children. Children under the age of 13 are not permitted to use this Website. We strongly recommend that children between the ages of 13 and 17 ask for their parent or guardian’s permission before viewing our Website. Marla K. Ruhana, MSW, CSW, Inc. hereby disclaims all liability for use by individuals under the age of 18.
If any of the provisions of this Agreement are held unenforceable by a court or other tribunal of competent jurisdiction, then those provisions shall be limited or eliminated to the minimum extent necessary to allow the remainder of this Agreement to retain its full force and effect. This Agreement constitutes the entire Agreement between you and Marla K. Ruhana, MSW, CSW, Inc. applicable to its subject matter. It may not be modified except as described elsewhere in this Agreement. Anything on the Website inconsistent or in conflict with the terms of this Agreement is superseded by the terms of this Agreement.
Information on this Website does not Constitute Clinical or Professional Advice or Recommendations.
All data, information, text, graphics, links, and other material on Marla K. Ruhana, MSW, CSW, Inc.’s Website are provided as a convenience to our Website visitors. It is for general informational and educational purposes only. Information provided here is not intended to serve as medical or other professional advice and is not to be used for diagnosis or treatment of any condition or symptom. Information provided on the site does not constitute the provision or practice of medical, nursing or professional health care advice or services.
You should consult your physician or other qualified health care provider regarding any specific questions you may have. You should never disregard professional advice or delay seeking treatment based on the information contained on this site or other Websites linked to or from it.
Use of the marlaruhana.com Website
Marla K. Ruhana, MSW, CSW, Inc. grants you a limited, non-exclusive right to use the Services, and any content and materials made available to you in connection with your use of the Services, only for your non-commercial, informational purposes and for such other purposes (and subject to such further limitations) as may be provided in these Terms.
Monitoring of the Website
We have no obligation to monitor any related Websites or any other materials that you or third parties transmit or post on or to the Website or related Website, if any. However, you acknowledge and agree that we have the right (but not the obligation) to monitor the Website and the materials you transmit or post; to alter or remove any such materials (including, without limitation, any posting to a chat or discussion board); and to disclose such materials and the circumstances surrounding their transmission to any third party in order to operate the Website properly, to protect ourselves, our sponsors, and our other clients and visitors, and to comply with legal obligations or governmental requests.
All access to this Website is voluntary and at the sole risk of the user. Marla K. Ruhana, MSW, CSW, Inc. does not warrant the accuracy of any content or materials on the Website or on any other websites linked to or from it. Whereas Marla K. Ruhana, MSW, CSW, Inc. strives to present timely and accurate information, it makes no representations that this information is free of errors or omissions that may be considered material. Marla K. Ruhana, MSW, CSW, Inc. does not warrant the completeness or correctness, timeliness or usefulness of any opinions, advice, services, or other materials provided through the Website. Marla K. Ruhana, MSW, CSW, Inc. will not be liable for any decision made or action taken in reliance upon the information provided on the Website. Except for information or services clearly and specifically identified as being supplied or endorsed by Marla K. Ruhana, MSW, CSW, Inc., Marla K. Ruhana, MSW, CSW, Inc. does not endorse any services appearing on this Website or other Websites linked to or from it.
The information contained on or provided by this Website is for general educational and informational purposes only. All material on the Website is provided on an “as is” basis without warranty of any kind, express or implied, including, without limitation, warranties of title or non-infringement or the implied warranties of merchantability or fitness for a particular purpose. Marla K. Ruhana, MSW, CSW, Inc. is not responsible for any loss or damage resulting from reliance on the information or other content posted on this site or from sites linked to or from this site. Marla K. Ruhana, MSW, CSW, Inc. does not warrant that the use of this site will be uninterrupted and, although Marla K. Ruhana, MSW, CSW, Inc. maintains virus protection on this site, it cannot guarantee that this site is free from viruses of other contaminants that may damage your computer or its data.
BY VISITING THIS WEBSITE, YOU AGREE TO INDEMNIFY AND HOLD HARMLESS MARLA K. RUHANA, MSW, CSW, INC., AND ANY AFFILIATED MARLA K. RUHANA, MSW, CSW, INC. ENTITY, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY “MARLA K. RUHANA, MSW, CSW, INC. PARTIES”) FROM AND AGAINST ALL CLAIMS, ACTIONS, DEMANDS, LIABILITIES, JUDGMENTS AND SETTLEMENT, INCLUDING, WITHOUT LIMITATION, FROM ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR ANY OTHER CLAIM YOU MAY INCUR IN CONNECTION WITH YOUR USE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS FOR DEFAMATION, VIOLATION OF PUBLICITY OR PRIVACY, COPYRIGHT OR TRADEMARK INFRINGEMENT RESULTING FROM YOUR SUBMISSIONS OF ANY CONTENT, TAGGED CONTENT OR OTHER MATERIALS, ANY ECONOMIC HARM, LOST PROFITS, DAMAGES TO BUSINESS, DATA OR COMPUTER SYSTEMS, OR ANY DAMAGES RESULTING FROM RELIANCE ON ANY CONTENT OR RESULTING FROM ANY INTERRUPTIONS, WORK STOPPAGES, COMPUTER FAILURES, DELETION OF FILES, ERRORS, OMISSIONS, INACCURACIES, DEFECTS, VIRUSES, DELAYS OR MISTAKES OF ANY KIND, EVEN IF YOU HAVE PREVIOUSLY ADVISED MARLA K. RUHANA, MSW, CSW, INC. OF THE POSSIBILITY OF SUCH CLAIM. THE USER’S SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE AND ANY OF ITS SERVICE IS TO STOP USING THE WEBSITE OR SERVICE. YOU AGREE THAT UNDER NO CIRCUMSTANCE SHALL ANY OF THE MARLA K. RUHANA, MSW, CSW, INC. PARTIES BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE MATERIALS ON THIS WEBSITE. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS ALL LOSSES AND CLAIMS OF ANY TYPE INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, RELIANCE, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION.
Before seeking legal recourse for any harm you believe you have suffered arising from or related to your use of this Website, you agree to inform us in writing and to give us thirty (30) days to cure the harm before initiating any action. You must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.
This Website is owned and operated by Marla K. Ruhana, MSW, CSW, Inc.. The entire contents and design of the site are protected by U.S. and international copyright law. All rights regarding the Website and materials contained on the Website are either owned by Marla K. Ruhana, MSW, CSW, Inc., are licensed to it, or are used with permission. Marla K. Ruhana, MSW, CSW, Inc. and its licensors retain and reserve all proprietary rights to the contents of this Website.
You may not copy, republish, upload, post, display, transmit, or frame any of these materials without prior written consent from Marla K. Ruhana, MSW, CSW, Inc.. You may link to, view, download, use, display and print a single copy of the materials found on this Website only for personal, noncommercial and informational purposes as long as: (1) you do not alter or modify the materials in any way; (2) you include all applicable copyright, trademark and other notices and disclaimers; and (3) you do not use the materials in a way that suggests an association with Marla K. Ruhana, MSW, CSW, Inc. or an affiliated entity. All such copies must include, at a minimum, the following copyright notice: “Copyright [current year] Marla K. Ruhana, MSW, CSW, Inc.. All rights reserved.” Any other use of the Website or the information contained here is strictly prohibited. Marla K. Ruhana, MSW, CSW, Inc. may terminate the above license at any time for any reason. If you breach any of these Terms your license terminates immediately and automatically and without notice. Upon the termination of this license you must stop using this site, including all content, and return or destroy all copies, including electronic copies, of the content in your possession or control.
Copyright Infringement – DMCA Notice
The Digital Millennium Copyright Act (the “DMCA”) provides remedies for copyright holders who believe in good faith that material appearing on the Internet infringes their rights under copyright law. If you believe in good faith that content or material on this Website infringes a valid copyright owned by you, you (or your agent) may send Marla K. Ruhana, MSW, CSW, Inc. a notice requesting that the material be removed, or access to it blocked. This request should be sent to: Marla K. Ruhana, MSW, CSW, Inc., Attn: Marketing Manager, 23915 Jefferson Ave, #5, St. Clair Shores, Michigan 48080. The notice must include the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material that is claimed to be infringing or the subject of infringing activity; (d) the name, address, telephone number, and email address of the complaining party; (e) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and (f) a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. Notices and counter-notices with respect to the Website should be sent to the address above.
Marla K. Ruhana, MSW, CSW, Inc. names and logos and all related product and service names, design marks and slogans are the trademarks or service marks of Marla K. Ruhana, MSW, CSW, Inc. All rights are reserved. You are not authorized to use any Marla K. Ruhana, MSW, CSW, Inc. name or mark in any advertisement, publicity or in any other commercial manner without prior written consent of Marla K. Ruhana, MSW, CSW, Inc.. All other trademarks appearing on the Website are the property of their respective owners.
No part of this Website or any of its photographs or other content may be reproduced, copied, modified or adapted without prior written consent. If you would like to request permission to reproduce content from this Website, please contact us.
Jurisdiction and Location
Information provided on Marla K. Ruhana, MSW, CSW, Inc.’s Website is not targeted to users in any particular locality nor is it intended to constitute the doing of business in any jurisdiction.
This Website is a service provided by Marla K. Ruhana, MSW, CSW, Inc. and does not constitute any contact with any jurisdiction outside the State of Michigan. Use of this Website is prohibited in any jurisdiction having laws that would void this Agreement in whole or essential part or which makes accessing the Website illegal. Users in such jurisdictions visit and use this Website entirely at their own risk. Note: the essential parts of this Agreement include, without limitation, the exclusive venue and exclusive remedy provisions and the warranty disclaimers.
This Agreement is entered into and performed in the State of Michigan, United States of America. It is governed by and shall be construed under the laws of Michigan, exclusive of any choice of law or conflict of laws provisions. In any claim or action directly or indirectly arising under this Agreement or related to the Website, each party irrevocably submits to the exclusive personal jurisdiction of the courts of Michigan, County of Macomb, or of the United States Court for the Eastern District of Michigan. Each party waives any jurisdictional, venue or inconvenient forum objections to these courts. This Website is intended for a United States audience. If you live outside the U.S. you may see information not approved and/or available in your country.
Requests for Information
While we take reasonable measures to protect the confidentiality of your information, no one can give absolute assurance that all information will remain secure. Under certain circumstances, it is possible that third parties may be able to intrude on the server and view your information. Marla K. Ruhana, MSW, CSW, Inc. is not responsible for illegal actions of third parties. By submitting information to Marla K. Ruhana, MSW, CSW, Inc., you agree that you are aware of these risks. If you do not wish to submit your information electronically, please mail a letter request to the following address:
Marla K. Ruhana, MSW, CSW, Inc.
23915 Jefferson Ave, #5
St. Clair Shores, Michigan 48080
Outbound Links to Other Websites
Marla K. Ruhana, MSW, CSW, Inc. provides outbound links to other Websites that contain information or services that may be of help to you. Marla K. Ruhana, MSW, CSW, Inc. provides these links for your convenience only. It is not responsible for the content of these sites or the programs, services, products, agencies, or businesses they describe. Marla K. Ruhana, MSW, CSW, Inc. does not guarantee that these sites will meet your particular purposes.
Downloadable Resource Files
Marla K. Ruhana, MSW, CSW, Inc. cannot and does not guarantee or warrant that files available for downloading from its Website will be free of viruses or other code that may contaminate or destroy data on your computer. You are responsible for implementing sufficient protective procedures and checks to maintain the accuracy of your data for maintaining a data back up or other means for the reconstituting any lost data. Marla K. Ruhana, MSW, CSW, Inc. assumes no responsibility or risk for damage to your computer, tablet or mobile phone or its files related to your use of the Website.
Permission to Reprint
No part of this Website or any of its photographs or other content may be reproduced, copied, modified or adapted without prior written consent. To request permission to copy or reproduce any content from Marla K. Ruhana, MSW, CSW, Inc., please contact us.
You may not assign any rights or obligations under this Agreement without Marla K. Ruhana, MSW, CSW, Inc.’s prior written consent. Marla K. Ruhana, MSW, CSW, Inc. may assign all or part of this Agreement.
You agree that any use of this site that is not explicitly authorized is a breach of contract, unauthorized access of a protected computer, and violation of Marla K. Ruhana, MSW, CSW, Inc.’s intellectual property rights including copyright rights, in addition to any and all other claims Marla K. Ruhana, MSW, CSW, Inc. may have against you.
All sections of this Agreement, which, by their nature are designed to survive expiration or termination of this Agreement, including but not limited to indemnity and limitation of liability clauses, shall survive. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
You may contact Marla K. Ruhana, MSW, CSW, Inc. by letter request to the following address:
23915 Jefferson Ave, #5
St. Clair Shores, Michigan 48080
You agree that we may provide any and all notices to you by e-mail, telephone, fax, mail, as well as by any other method.
Marla K. Ruhana, MSW, CSW, Inc.
Marla K. Ruhana, MSW, CSW, Inc. respects the privacy of its users. Marla K. Ruhana, MSW, CSW, Inc. does not sell, rent, or loan any identifiable information regarding its customers or website visitors to any third party. Any information you give us is held with the utmost care and will not be used in ways for which you have not consented.
Marla K. Ruhana, MSW, CSW, Inc’s commitment to each patient’s confidentiality is ensured by our legal responsibility as mandated by state and federal law (including 42 CFR Part 2). Each staff member is dedicated to upholding these standards in all communications and records. Staff, patients, family members, and visitors all sign a confidentiality statement and agree to keep all knowledge or information of Marla K. Ruhana, MSW, CSW, Inc. staff, patients, and family members confidential at all times. We go to great lengths to protect the anonymity of everyone who enters the business facility of Marla K. Ruhana, MSW, CSW, Inc. or attends an event.
NOTICE OF PRIVACY PRACTICES
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.
PLEASE REVIEW THIS NOTICE CAREFULLY.
Your health record contains personal information about you and your health. State and federal law protects the confidentiality of this information. Protected Health Information (“PHI”) is information about you, including demographic information that may identify you as a patient. This information relates to your past, present, or future physical or mental health or condition and related healthcare services. Federal law and regulations specifically protect the confidentiality of alcohol and drug abuse patient records. State law specifically protects the confidentiality of mental health patient records. Marla K. Ruhana, MSW, CSW, Inc. is required to comply with these additional restrictions. This includes a prohibition, with very few exceptions, on informing anyone outside the business or retreat location that you are visiting or disclosing any information that identifies you as patient. The violation of these laws or regulations by this program is a crime. If you suspect a violation, you may file a report to the appropriate authorities in accordance with applicable law.
How We May Use and Disclose Health Information About You
For Treatment. We may use medical and clinical information about you to provide services to you.
For Payment. We may use and disclose medical information about you so that we can receive payment for the treatment services provided to you. This will only be done with your authorization.
For Healthcare Operations. We may use and disclose your PHI for certain purposes in connection with the operations of our programs.
Without Authorization. Applicable law also permits us to disclose information about you without your authorization in a limited number of other situations, such as with a court order. These situations are explained herein.
With Authorization. We must obtain written authorization from you for other uses and disclosures of your PHI.
Your Rights Regarding Your PHI. You have the following rights regarding PHI we maintain about you:
Right of Access to Inspect and Copy. You have the right, which may be restricted in certain circumstances, to inspect and copy PHI that may be used to make decisions about your care. We will charge a reasonable cost-based fee for copies.
Right to Amend. If you feel that the PHI we have about you is incorrect or incomplete, you may ask us to amend the information, although we are not required to agree to the amendment.
Right to an Accounting of Disclosures. You have the right to request an accounting of the disclosures that we make of your PHI.
Right to Request Restrictions. You have the right to request a restriction or limitation on the use of your PHI for treatment, payment, or healthcare operations. We are not required to agree to your request.
Right to Request Confidential Communication. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location.
Right to a Copy of This Notice. You have the right to a copy of this notice.
Complaints. You have the right to file a complaint in writing to us or to the Secretary of Health and Human Services. If you believe we have violated your privacy rights. We will not retaliate against you for filing a complaint.
If you have any questions about this Notice of Privacy Practices, please contact:
23915 Jefferson Ave, #5
St Clair Shores, Michigan 48080
This Notice of Privacy Practices describes how we may use and disclose your protected health information (“PHI”) in accordance with all applicable law. It also describes your rights regarding how you may gain access to and control your PHI. We are required by law to maintain the privacy of PHI and to provide you with notice of our legal duties and privacy practices with respect to PHI. We are required to abide by the terms of this Notice of Privacy Practices. We reserve the right to change the terms of our Notice of Privacy Practices at any time. Any new Notice of Privacy Practices will be effective for all PHI that we maintain at that time.
How We May Use and Disclose Health Information About You
Listed below are examples of the uses and disclosures that Marla K. Ruhana, MSW, CSW, Inc. may make of your PHI. These examples are not meant to be exhaustive, but describe the types of uses and disclosures that may be made.
Uses and Disclosures of PHI for Treatment, Payment, and Healthcare Operations:
Treatment. Your PHI may be used and disclosed by your medical providers, therapists, program staff, and others outside of our program who are involved in your care for the purpose of providing, coordinating, or managing your healthcare treatment and any related services. This includes coordination or management of your healthcare with a third party, consultation with other healthcare providers, or referral to another provider for healthcare treatment. In addition, we will disclose your protected health information to other healthcare providers, provided we have a written contract with the business that prohibits it from re-disclosing your PHI and requires it to safeguard the privacy of your PHI. Except for emergency services, we will not send your PHI to an outside healthcare provider who is caring for you unless you give us written authorization to do so.
Payment. Examples of payment-related activities are: making a determination of eligibility or coverage for insurance benefits, processing claims with your insurance company, reviewing services provided to you to determine medical necessity, or undertaking utilization review activities. We may share your PHI with third parties that perform various business activities (e.g., collections) for us, provided we have a written contract with the business that prohibits it from re-disclosing your PHI and requires it to safeguard the privacy of your PHI. We will not use your PHI to obtain insurance payment for your healthcare services without your written authorization.
Healthcare Operations. We may use or disclose, as needed, your PHI in order to support the business activities of our program including but not limited to performance improvement activities, employee review activities, training of students, licensing, and conducting or arranging for other business activities. We may share your PHI with third parties that perform various business activities (e.g., audits, legal) for us, provided we have a written contract with the business that prohibits it from re-disclosing your PHI and requires it to safeguard the privacy of your PHI.
Other Uses and Disclosures That Do Not Require Your Authorization
Consistent with State Law. We may use or disclose your PHI to the extent that the use or disclosure is required by law, made in compliance with the law, and limited to the relevant requirements of the law. You will be notified, as required by law, of any such uses or disclosures. Under the law, we must make disclosures of your PHI to you upon your request. In addition, we must make disclosures to the Secretary of Health and Human Services for the purpose of investigating or determining our compliance with the requirements of the Privacy Rule.
Child Abuse or Neglect. We may disclose your PHI to a state or local agency that is authorized by law to receive reports of child abuse or neglect. However, the information we disclose is limited to only that information which is necessary to make the initial mandated report.
Communicable Disease. We may disclose your PHI to a state or local agency that is authorized by law to receive reports of diagnosed communicable disease. However, the information we disclose is limited to only that information which is necessary to make the initial mandated report.
Health Oversight. We may disclose PHI to a health oversight agency for activities authorized by law, such as audits, investigations, and inspections. Oversight agencies seeking this information include government agencies and organizations that provide financial assistance to the program (such as third-party payors) and peer review organizations performing utilization and quality control.
Medical Emergencies. We may use or disclose your PHI in a medical emergency situation to medical personnel only. Our staff will try to provide you a copy of this notice as soon as reasonably practicable after the resolution of the emergency.
Deceased Patients. We may disclose PHI regarding deceased patients for the purpose of determining the cause of death, in connection with laws requiring the collection of death or other vital statistics, or permitting inquiry into the cause of death.
Criminal Activity on Program Premises/Against Program Personnel. We may disclose your PHI to law enforcement officials if you have committed a crime on program premises or against program personnel.
Court Order. We may disclose your PHI if the court issues an appropriate order and follows required procedures. Your PHI will also be released to our Corporate Attorney.
Uses and Disclosures of PHI With Your Written Authorization
Other uses and disclosures of your PHI will be made only with your written authorization. You may revoke this authorization at any time, except to the extent that action has been taken in reliance on the authorization of the use or disclosure you permitted prior to revocation.
Your Rights Regarding Your Protected Health Information
Your rights with respect to your Protected Health Information are explained below. Any requests with respect to these rights must be in writing. A brief description of how you may exercise these rights is included.
You have the right to inspect and copy your Protected Health Information.
You may inspect and obtain a copy of PHI that is contained in a designated record set for as long as we maintain the record. A “designated record set” contains medical and billing records and any other records that the program uses for making decisions about you. We will charge you a reasonable cost-based fee for the copies. We can deny you access to your PHI in certain circumstances. In some of those cases, you will have a right to appeal the denial of access. Please contact our Privacy Officer if you have questions about access to your medical record.
You may have the right to request amendment of your Protected Health Information.
You may request, in writing, that we amend PHI that has been included in a designated record set. In certain cases, we may deny your request for an amendment. If we deny your request for amendment, you have the right to file a statement of disagreement with us. We may prepare a rebuttal to your statement and will provide you with a copy of it. Please contact the Privacy Officer if you have questions about amending your medical record.
You have the right to receive an accounting of some types of Protected Health Information disclosures.
You may request an accounting of disclosures for a period of up to six years (excluding disclosures made to you, made for treatment purposes, made as a result of your authorization, and certain other disclosures). We will charge you a reasonable fee if you request more than one accounting in any 12-month period. Please contact the Privacy Officer if you have questions about accounting of disclosures.
You have a right to receive a paper copy of this Notice.