ALL PERSONS UNDER THE AGE OF 18 ARE DENIED ACCESS TO THIS WEBSITE. IF YOU ARE UNDER 18 YEARS OF AGE, IT IS UNLAWFUL FOR YOU TO VISIT, READ, OR INTERACT WITH THIS WEBSITE OR ITS CONTENTS IN ANY MANNER. THIS WEBSITE SPECIFICALLY DENIES ACCESS TO ANY INDIVIDUAL THAT IS COVERED BY THE CHILD ONLINE PRIVACY ACT (COPA) OF 1998.
This product is sold 'as is' without warranty or guarantee of any kind. There are no guarantees or warranties that any claim, referral or refund will be paid. All payments made are based on the amount of funds available (if any) in the business operating accounts and General Reserve Fund. All claims, referrals and refunds will be processed in the order received regardless of whether or not funds are available. When funds become available, in the future, to meet a claim, referral, or refund the payment will be made, if it is made within the provisions of the Policy.
Visitors, viewers, users, subscribers, members, affiliates, or customers, collectively referred to herein as "Visitors," or "Members" are parties to this agreement. The website and its owners and/or operators are parties to this agreement, herein referred to as "Website."
The Seller makes no claim to, and assumes no liability for, the acceptability or compliance of this product to any third party. Buyer may find that some third parties will accept this as valid, effective, complete and adequate coverage and others may not. It is the sole responsibility of the Buyer to ensure that any third party needing receipt, or proof of this coverage will do so in full understanding of its provisions, coverages, limitations, and exclusions according to the Policy outline. Seller retains no responsibility or liability of any misunderstanding, misconception, or lack of knowledge regarding their Policies to any third party.
Buyer understands that the Seller may discontinue their company and all of its operations, to include the validity, renewability, and future claim ability on any product or service at any time without notice. If this were to occur all Policies sold would then be null and void, no longer valid for use or claims. Refunds would only be given on a prorated basis for those Buyers that specifically request a refund, and if funds are available in the General Reserve Fund or company operating accounts. There is no guarantee of any claim or refund will be paid.
Unless you have entered into an express written contract with this website to the contrary, visitors, viewers, subscribers, members, affiliates, or customers have no right to use this information in a commercial or public setting; they have no right to broadcast it, copy it, save it, print it, sell it, or publish any portions of the content of this website. By viewing the contents of this website you agree this condition of viewing and you acknowledge that any unauthorized use is unlawful and may subject you to civil or criminal penalties. Again, Visitor has no rights whatsoever to use the content of, or portions thereof, including its databases, invisible pages, linked pages, underlying code, or other intellectual property the site may contain, for any reason for any use whatsoever. Nothing. Visitor agrees to liquidated damages in the amount of US $100,000 in addition to costs and actual damages for breach of this provision. Visitor warrants that he or she understands that accepting this provision is a condition of viewing and that viewing constitutes acceptance.
The website and its contents are owned or licensed by the website. Material contained on the website must be presumed to be proprietary and copyrighted. Visitors have no rights whatsoever in the site content. Use of website content for any reason is unlawful unless it is done with express contract or permission of the website.
Unless expressly authorized by website, no one may hyperlink this site, or portions thereof, (including, but not limited to, logotypes, trademarks, branding or copyrighted material) to theirs for any reason. Further, you are not allowed to reference the url (website address) of this website in any commercial or non-commercial media without express permission, nor are you allowed to 'frame' the site. You specifically agree to cooperate with the Website to remove or de-activate any such activities and be liable for all damages. You hereby agree to liquidated damages of US $100,000.00 plus costs and actual damages for violating this provision.
The website disclaims any responsibility for the accuracy of the content of this website. Visitors assume all the risk of viewing, reading, using, or relying upon this information. Unless you have otherwise formed an express contract to the contrary with the website, you have no right to rely on any information contained herein as accurate. The website makes no such warranty.
The website assumes no responsibility for damage to computers or software of the visitor or any person the visitor subsequently communicates with from corrupting code or data that is inadvertently passed to the visitor's computer. Again, visitor views and interacts with this site, or banners or pop-ups or advertising displayed thereon, at his own risk.
Visitor downloads information from this site at this own risk. Website makes no warranty that downloads are free of corrupting computer codes, including, but not limited to, viruses and worms.
By viewing, using, or interacting in any manner with this site, including banners, advertising, pop-ups, or downloads, and as a condition of the website to allow his lawful viewing, Visitor forever waives all right to claims of damage of any and all description based on any causal factor resulting in any possible harm, no matter how heinous or extensive, whether physical or emotional, foreseeable or unforeseeable, whether personal or business in nature.
Visitor agrees that in the event he causes damage, which the Website is required to pay for, the Visitor, as a condition of viewing, promises to reimburse the Website for all.
No additional notice of any kind for any reason is due Visitor and Visitor expressly warrants an understanding that the right to notice is waived as a condition for permission to view or interact with the website.
Arbitration shall be conducted pursuant to the rules of the American Arbitration Association, which are in effect on the date a dispute is submitted to the American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605. Hearing will take place in the city or country of the Seller.
In no case shall the viewer, visitor, member, subscriber or customer have the right to go to court or have a jury trial. Viewer, visitor, member, subscriber or customer will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will be final and binding with limited rights of appeal.
The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, Viewer, visitor, member, subscriber or customer agrees to that the sole and proper jurisdiction to be the state and city declared in the contact information of the web owner unless otherwise here specified. Belize is the specified city and state. In the event that litigation is in a federal court, the proper court shall be the closest federal court to the Seller's address.
This Policy applies to Wrongful Acts committed, or for products sold, in any state of the United States that the Issuing Company conducts business. This Policy is not valid in Alaska and Hawaii.
Viewer, visitor, member, subscriber or customer agrees that the applicable law to be applied shall, in all cases, be that of the state of the Seller.
Coverage is afforded only to individuals and small businesses within the following industries: Accounting, Annuities/Mutual Funds - all types, Appraisal, Architecture/Design, Auditing, Bookkeeping, Computer Services, Consultants for Business & Management, Consultants for Marketing & Advertising, Consultants for Sales & Service, Credit Counselors, Direct Marketing, Document Preparation - Printer, Drafting, Employment & Recruiting, Engineering, Financial Advisers & Planners & Consultants, Insurance Agents for Health, Life, Medicare, Accident, Property and Casualty, IT Services, Notary & Document Signing, Property Management, Real Estate & Title, Retail, Tax Preparation, Technology, Travel Agency, Website Design, and Wholesale services. All persons who conduct any business activities outside of these specific industries will not be afforded Coverage under this Policy.
Timing: An Occurrence policy protects you from any covered incident that "occurs" during the policy period, regardless of when a claim is filed. An occurrence policy will respond to claims that come in - even after the policy has been canceled - so long as the incident occurred during the period in which coverage was in force. In effect, an Occurrence policy offers permanent coverage for incidents that occur during the policy period.
Limits: Occurrence limits "restore" each year so that claims paid for incidents arising from one policy year do not deplete limits available to cover claims from other years. Each year an Occurrence policy is in force represents a separate set of limits.
Timing: Claims-made policies provide coverage for claims only when BOTH the alleged incident AND the resulting claim happen during the period the policy is in force. Claims made policies provide coverage so long as the policyholder continues to pay premiums for the initial policy and any subsequent renewals. Each succeeding year the policy is continuously renewed, the "coverage period" is extended. Once premiums stop the coverage stops. Claims made to the issuing company after the coverage period ends will not be covered, even if the alleged incident occurred while the policy was in force. A Claims-made policy will cover claims after the coverage period ONLY if the policyholder purchases extended reporting period or "tail" coverage.
Limits: Claims-made limits do not "restore" each year the way Occurrence Coverage limits do. The policy limits in place when the policy is purchased remain the single set of limits available to protect the policyholder from all claims that could arise from care provided during the years the policy is continuously in force. The policyholder does not have a separate set of limits for each year the policy is in force.
ACE Financial Group Ltd. only offers Claims-Made Policies.
I hereby represent that all answers are true, accurate, and complete. It is my understanding that is relying on the completeness and validity of my answers for their offer of Errors and Omissions Coverage. The full and complete disclosure of all of my requested information must occur for valid Coverage to go into effect. I understand that if I omit of falsely portray or mislead any of the requested information, no Coverage will go into effect, even if I have paid an annual premium for Coverage, and I am not entitled to any refund of any funds paid.
I understand that there is, however, a refund period which offers me 30 days to review the Policy, with a full refund of all monies paid within the following 30 days if I advise by phone, fax, mail, or email that I wish the refund. ACE Financial Group Ltd. reserves the right to evaluate at any time the validity and completeness of any information before, during or after a claim is made in order to verify the validity of information, and therefore coverage due if any according to the Policy. I understand that this application, once processed, shall become a part of the Coverage and Policy agreement and any incomplete, incorrect or misleading answers may result in the denial of claims and the cancellation of coverage provided to me or my company, without any refund due. I agree to inform ACE Financial Group Ltd. within a thirty (30) day period if any change of my company status, or employment occurs. I understand that the completion of this application and annual payment does not allow me immediate Coverage, nor does it guarantee me Errors and Omissions Coverage. My application must be formally and fully evaluated and processed by the company before any Coverage can begin. I will be notified in writing by ACE Financial Group Ltd. when my Coverage is to begin.
I am aware that ACE Financial Group Ltd. is not an insurance company, but rather a Risk-Sharing Plan. These Plans are not governed by insurance laws. Risk-Sharing Plans are not insurance, and are not intended to replace insurance products or coverages. Covered individuals do not have the same protections as under licensed insurance policies. Such Risk-Sharing Plans are not regulated by the Insurance Commissioner's Office, thus the office has no ability to force such Plans to take any action should a consumer have a non-resolved problem. ACE Financial Group Ltd. is a privately held, owned, managed, and operated corporation established in Belize. Therefore, they are not required to disclose their private financial information to the public or financial rating companies. Privately held Corporations and Risk-Sharing Plans are not rated by A.M. Best or a similar rating agency. Privately held companies tend to be more stable because they are not driven or controlled by market or stockholder pressures or prejudices. A common misconception is that privately held companies are small and of little interest. In fact, there are many big-name companies that are also privately held. Check out the Forbes.com list of the largest private companies in 2006. They also do not participate in a Guaranty Fund Association. Policy Holders are initially and directly responsible for the payment of all claims, including those for legal services rendered. ACE Financial Group Ltd. and their Policies do not cover indemnity obligations. ACE Financial Group Ltd. may reimburse the Policy Holder for covered expenses, according to the provisions of the Policy. Please see Policy for complete details. This reimbursement is made from the General Reserve Fund, if there are funds available. It is possible that there will be no funds available at the time of a Claim, and therefore no guarantee a Claim will be paid.
I understand that this is not insurance. Insurance definitions state that Insurance products requires a contractual transfer of risk in exchange for payment. Because of this, many consumer protections that are commonly presumed to exist are inapplicable, and it is important for producers and purchasers to know the difference. Risk-Sharing Plans are regulated by the local government for stringent requirements regarding reputation, integrity, and proper business practices.
I willfully allow ACE Financial Group Ltd. to use monies from the General Reserve Fund and business operating accounts to reimburse fellow ACE Financial Group Ltd. Policy Holders for all Claims out of my portion of my annual premiums paid to ACE Financial Group Ltd. My annual premiums may also be used to pay, on my behalf, all administrative expenses, salaries, Claims received, and any other costs needed determined by the management of ACE Financial Group Ltd. I understand that may reimburse me for all of my allowable Claims out of their business operating accounts and General Reserve Fund (if funds are available) for any of my legal advisors, attorneys, and/or their staff members only according to the provisions of the Policy.
Because ACE Financial Group Ltd. has their main operations headquartered in Belize, I am aware that there may be an "International Transaction Charge" made to my credit card by my credit card company and/or my bank. ACE Financial Group Ltd. does not charge these fees, and is therefore not responsible for refunding them.
All Policy Holders are directly and solely responsible to inform any and all Additional Certificate Holders that they have requested to be added to their Certificate of Coverage of their rights, responsibilities, Coverage (if any), all Policy provisions, definitions, exclusions, and imitations. Please see your Policy for complete details. Government agencies (i.e.. city, county, state, and federal) when listed as Additional Certificate Holders do not have any additional, or any extension of, direct Coverage under the Policy Holder's Policy. Additional Certificate Holders are listed by request, and for the convenience, of the Policy Holder only.
All Policies sold by ACE Financial Group Ltd. to any Policyholder/customer are an exclusive and private contract between ACE Financial Group Ltd. and the Policyholder. This also includes any information pertaining to any prospective Policyholder or customer. Therefore, ACE Financial Group Ltd. does not communicate with any third party pertaining to any information regarding the Policy, Policyholder's information, Claims, or any other information. No information of any kind will be faxed, mailed, emailed, telephoned, or communicated in any way for any reason to any third party, with or without the consent and/or permission of the Policyholder.
ACE Financial Group Ltd.
800 Hillgrove Ave.
Western Springs, IL 60558