These Terms of Services shall be governed by the laws of the state of California without regard to that state's conflicts of laws provisions and by applicable Federal laws and regulations.
Waivers
No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.
Disclosures & Consent to Electronic Transactions / Electronic Signature
a. By entering this website and agreeing to be bound by this agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.
b. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct transactions in paper format if you wish. By entering this website and agreeing to be bound by this agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
c. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance or service elections free of charge. Please print a paper copy of your elections for your records because if you will not be able to access your enrollment information on the site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the Program Administrator Office of Administration. You understand and agree that requests for change submitted to the carrier, service provider, or the Site will not be valid or take legal effect after the end of your enrollment.
d. Once you have given consent for an electronic transaction, you may withdraw your consent only if the carrier or service provider has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181 or by writing to the Office of Administration, PO Box 26450, Phoenix AZ 85068. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance or service will remain effective until your request for cancellation is received by the program administrator policyholder or its representative.
e. You agree that your electronic signature authorizes The Underwriting Carrier(s), Service Provider(s) or its authorized representatives:
- 1. to process this transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy or service agreement. For example, we will rely on your electronic signature to authorize us to process your request for service, insurance coverage(s) and beneficiary designation(s) made during your enrollment.
- i. to process, as applicable:
- 2. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
- ii. a billing transaction with your financial institution to deduct the appropriate amount from your account.
- 3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
- 4. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.
User Representations
You represent and warrant to the program administrator that: (a) you are over the age of eighteen (18) and have the power and authority to enter into and perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.
Additional Terms and Conditions
The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third-party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.
In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of the program administrator in any way; use the website or services to modify or manipulate the website or services or any of the program administrators hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of the carrier/service provider or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.
You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither the carrier, the service provider, nor the program administrator makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. The carrier, service provider and the program administrator periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that the carrier, service provider and the program administrator take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the carrier, service provider and the program administrator disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.
You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.
You understand and agree that the information on the carrier’s insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.
For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.
You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.
If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.
By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.
Revisions
We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.
You understand that this website and the payment services contemplated here under may be performed by third-party vendors.
If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.
By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.