1. Legal


CONDITIONS OF USE


BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN-CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.


DISCLAIMER


TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED “AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND TRIPINSURANCEZONE.COM AND ITS AFFILIATED COMPANIES (COLLECTIVELY, “TRIPINSURANCEZONE.COM") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. TRIPINSURANCEZONE.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TRIPINSURANCEZONE.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT TRIPINSURANCEZONE.COM) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY TRIPINSURANCEZONE.COM. TRIPINSURANCEZONE.COM IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY TRIPINSURANCEZONE.COM OF THE WEBSITES OR THE CONTENT THEREOF.


LIMITATION OF LIABILITY


While TripInsuranceZone.com uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, TripInsuranceZone.com makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall TripInsuranceZone.com or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if TripInsuranceZone.com or an TripInsuranceZone.com authorized representative has been advised of the possibility of such damages. In no event shall TripInsuranceZone.com's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. TripInsuranceZone.com also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.


RESTRICTIONS ON USE OF MATERIALS


This website is owned and operated by TripInsuranceZone.com. Except as otherwise expressly permitted by TripInsuranceZone.com, no materials from this website or any website owned, operated, licensed or controlled by TripInsuranceZone.com may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without TripInsuranceZone.com's written permission. TripInsuranceZone.com neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.


JURISDICTIONAL ISSUES


Unless otherwise expressly set forth herein, TripInsuranceZone.com makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by TripInsuranceZone.com. No security, insurance product or other product or service is offered or will be sold by TripInsuranceZone.com or, if sold by TripInsuranceZone.com, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.


OWNERSHIP OF INFORMATION


Any information, other than personal data or information, you transmit to TripInsuranceZone.com or via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of TripInsuranceZone.com. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. TripInsuranceZone.com is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to TripInsuranceZone.com via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.


TRADEMARKS AND COPYRIGHTS


All trademarks, services marks, trade names, logos, and icons are proprietary to TripInsuranceZone.com. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of TripInsuranceZone.com. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, TripInsuranceZone.com. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by TripInsuranceZone.com. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


SOFTWARE LICENSES


You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. TripInsuranceZone.com does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.


LICENSES


We are a licensed agency and sell travel insurance by contractual agreements with insurance companies. We are licensed in states as required by each underwriter that we are appointed by. Our company is web-based and we are headquartered in New York.


REFUND POLICY


Our refund policy is determined by our travel insurance partners. In most cases, our partners allow refunds (less an administrative fee) within a short window that can range from 3 to 15 calendar days from the time you purchase your policy, provided it is not past the original departure date or you have not filed any claims. In all cases your request must be made in writing to customercare@tripinsurancezone.com. In addition: For AIG Travel Guard policies, refund requests must submitted to AIG Travel Guard within 15 calendar days of the purchase date, provided it is not past the original departure date or you have not filed a claim. AIG Travel Guard refund requests should be emailed to refund@travelguard.com or faxed to 715-345-2915. For Travelex policies, refund requests must be submitted to Travelex within 10 calendar days of the purchase date, provided it is not past the original departure date or you have not filed a claim. Travelex refund requests should be emailed to customerservice@travelexinsurance.com or call 1-800-819-9004.
For CSA policies, refund requests should be submitted to CSA within 10 calender days of purchase, provided you have not left on your trip or filed a claim. CSA refund request should be emailed to CSA@csatravelprotection.com or called in to 800-348-9505.
For AXA Assistance USA policies, your satisfaction is important to us. If you are not satisfied for any reason or wish to make changes or cancel your policy, please notify AXA Assistance USA as soon as possible. In the event of a policy cancellation, we will refund any unearned premium to you within 10 days of the cancellation request or according to the terms of your policy.


PREMIUMS / COMMISSION


We created TripInsuranceZone.com to allow our customers to compare and purchase travel insurance policies online. The travel insurance premiums that you see on our website are provided to us by the insurance companies that we work with. These prices are not marked-up by TripInsuranceZone.com and are regulated by each state (i.e., you won't find a lower price for the same policy elsewhere because the prices are standardized). We are paid a commission, which is a percentage of the premium, when a customer purchases a travel insurance policy through our website.



2. TripInsuranceZone.com Privacy Policy

Effective January 15, 2015


This privacy statement describes how AJM Global, Inc. collects and uses the personal information you provide on our Web site: www.TripInsuranceZone.com . It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.


We collect the following personal information from you:


We also collect the following information from you


Demographic information such as age, education, gender, interests and zip code

As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.


We use this information to


Information Sharing


We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.

We may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.

We may also disclose your personal information as required by law such as to comply with a subpoena, or similar legal process when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, if AJM Global, Inc is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information, to any other third party with your prior consent to do so.


Cookies and Other Tracking Technologies


We may use cookies, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.


Web beacons


Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.

We use a third party to gather information about how you and others use our Web site. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our site is used.


Links to Other Web Sites


Our Site includes links to other Web sites whose privacy practices may differ from those of AJM Global Inc. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.


Security


The security of your personal information is important to us. When you enter sensitive information (such as credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at privacy@tripinsurancezone.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

If you have any questions about security on our Web site, you can contact us at privacy@tripinsurancezone.com.


Additional Policy Information


Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.


Correcting and Updating Your Personal Information


To review and update your personal information to ensure it is accurate, contact us at privacy@tripinsurancezone.com.


Notification of Privacy Statement Changes


We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.


Contact Information


You can contact us about this privacy statement by contacting us at privacy@tripinsurancezone.com.



3. Insurance Provider Conditions

(Only corresponding conditions apply for Purchases of below listed Providers)


APRIL

Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an Insurer, submits an application or files claim containing a false or deceptive statement is guilty of insurance fraud. By checking this box, I declare that I have read and understand the terms and conditions of this product as outlined in the program summary. Whenever coverage provided by this policy would be in violation of U.S. economic or trade sanctions, such coverage will be null and void.

April Travel Protection is a U.S. company and under the regulation of the Office of Foreign Assets Control (OFAC), which requires us to search the identity of each individual or company applying for insurance coverage from the country you have selected. In the event that your name or company is published on the OFAC "Specially Designated Nationals" or "SDNs" list, we will not be able to offer coverage to you and we will rescind your policy and return your premium in full. For more information on OFAC, please visit this web-site: http://www.treasury.gov/about/organizational-structure/offices/Pages/Office-of-Foreign-Assets-Control.aspx


Berkshire Hathaway Travel Protection

When you purchase a Berkshire Hathaway Travel Protection product and agree to the Terms and Conditions found on this page, you are also agreeing to the applicable Legal Notices found here.


Global Alert

By agreeing to the Purchase Terms and Conditions, you confirm that you are at least 18 years of age. If you are purchasing the policy for an individual under the age of 18, you hereby confirm that you are his/her parent or legal guardian or other responsible adult.

This website includes descriptions of the benefits available for a travel plan*. Travel plans contain insured and non-insured services. Insured benefits and non-insured services are subject to benefit reductions, limitations, exclusions and termination provisions. Full details of insured benefits are contained in the insurance policy which will be emailed to the address you provided. Full details of non-insured assistance services are included in materials accompanying the insurance policy. For additional information about plan limitations or to request to receive your insurance policy documents by mail, please contact info@globalalerttravel.com.

Your satisfaction is important to us.

If you are not satisfied for any reason or wish to make changes or cancel your policy, please notify your company as soon as possible. In the event of a policy cancellation, we will refund the premium in full if cancellation request is received by Global Alert within 14 days of purchase, additionally we will refund any unearned premium to you within 10 days for cancellation request at any time, or according to the terms of your policy.

You may view the information contained in this acknowledgement again by contacting Global Alert.