1. TERMS & CONDITIONS 

Affinity Wise provides administration and management services to agents, associations and carriers nationwide and collects premium and other fees for your product.

Member enrollments include an electronic signature or a recorded verification script which is required with each sale. The purpose of this electronic signature is to ensure that the Member understands, among other things, what product they are purchasing, what benefits are included with that product, how much they are paying at the initial time of sale, how much they will pay monthly thereafter, and that all subsequent monthly payments will be automatically drafted from the credit or banking account provided by the Member.

Each Member agrees that they are signing up for benefits or services that include an automatic payment plan. Each Member expressly authorizes Affinity Wise to automatically debit their bank account or Credit Card on the payment due date provided to collect any and all fees and membership dues for their membership. Each Member acknowledges and agrees upon the membership effective date and the initial payment amount (this is comprised of the first month’s membership dues plus a one-time, refundable association membership processing fee). Each Member also acknowledges and agrees that their monthly dues will be automatically charged or drafted every month from the credit card, debit card or bank account they provide to us. If the effective date falls on a weekend or holiday, they understand that the payments may be executed on the prior business day. Further, each Member attests that they are the holder of the credit card, debit card or bank account provided.

Each Member agrees that if any such charge is dishonored, whether with or without cause and whether intentionally or inadvertently Affinity Wise, the insurance carrier, the bank or credit card company shall be under no liability whatsoever even though it may result in forfeiture of their plan. Each member agrees that Affinity Wise, is authorized to contact them via phone, text or email regarding payments.

Benefits are limited to the usual, reasonable and customary charge for each covered expense, in addition to any specific limits stated in the product policy documents.

Security
We take precautions to protect member information. When a member submits sensitive information via the enrollment website, that member information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. A member can verify this by looking for “https” at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect member information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Registration
In order to use benefits, a user must first complete the enrollment form on our enrollment site. During enrollment, a user is required to give certain information (such as name and email address). This information is used to inform you about the products/services on our enrollment site in which a member has expressed interest. A user may also be requested to provide demographic information (such as gender or age) about themselves. A user must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and for their enrollment. If we have trouble processing an enrollment, we’ll use this information to contact the user.

Cancellation Policy
If a member is not 100% satisfied with the product(s) they purchased; they may contact Member Services for cancellation within 30 days of purchase. Coverage will be cancelled as of the effective date and a refund of premium will be issued unless a claim has been submitted. A member may terminate the scheduled payments for insured and non-insured products by notifying Member Services five (5) business days prior to the next scheduled payment date via email at [email protected] or by calling Member Services at 1-844-275-2712

Refund Policy
Refunds are subject to review; if claims have been submitted and are in process, a refund may not be applicable. By submitting a claim during the first 30 days under any of the insurance plans included with this enrollment, Members acknowledge and agree that such a submission constitutes acceptance of the membership, the products, and their terms and submission of such a claim constitutes a waiver of any and all refund rights, including those noted in the foregoing paragraph.

Fraud Warning
Any person who knowingly and with intent to injure, defraud, or deceive any insurance company or other person submits an insurance application or statement of claim containing any materially false, incomplete or misleading information may be committing a crime and may be subject to civil or criminal penalties.