Cancellation & Return/Refund Policy
You may cancel coverage at any time, with or without cause. You should refer back to the description of coverages in your policy(ies) describing the means by which you can cancel coverage as (i) due to policy provisions, you may not receive a refund at the time of cancellation; (ii) you may be obligated to pay cancellation charges (iii) you may be obligated to pay all charges made to your billing account for the coverages before the date of cancellation; or (iv) you may lose access to, and use of, your account when you cancel the coverages. If you cancel, your coverages will end at the end of your current coverage period depending on the type policy(ies) you purchased or, if we bill your account on a periodic basis, at the end of the period in which you canceled. If your cancelled policy(ies) are setup up on periodic billing, we will delete payment information or content associated with your account, or will otherwise disassociate it from you and your account, unless the law requires us to keep it. In oreder to reinstate coverages you will need to reauthorize any billing processes for the policy(ies).
If you paid for the policy(ies) in full you may receive a refund. Just notify us on what day you would like to terminate your policy(ies) and we will send to you the appropriate information needed to cancel your policy(ies).
The initial term of this agreement shall commence after it becomes effective, and it shall continue until we or you terminate this agreement.
Return and refund procedures vary in compliance with individual state laws and regulations and also by the type of contract you have entered into.
To see the specifics for your contract please refer to your company’s web site or contact them directly.
This document is to provide you information on the online payment system we provide and outline important conditions, which apply to your using this service. It is subject to the consumer banking regulatory laws described in Regulation E of the Electronic Fund Transfers Act. Regulation E stipulates disclosure requirements. When you use this service, you and any person you authorize to perform these functions on your account, agree to these terms and conditions.
Security | TIS is committed to ensuring the security of your personally identifiable information. We will take reasonable precautions to protect this information from loss, misuse, unauthorized disclosure or alteration, including, putting in place appropriate physical, electronic and Administrative procedures to safeguard and secure such information. We use encryption when collecting or transferring sensitive data (e.g., card information).
Limitations | You agree that neither TIS nor any party involved in creating or delivering this web site is liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of this web site. TIS assumes no responsibility for and will not be liable for any damages from any viruses, which may affect your computer equipment or other property on account of your access to, use of, or downloading from our web site.
Ownership, Trademarks and Copyrights; Confidentiality | TIS owns all rights, title and interest, including, without limitation, copyright, in and to the Service and the TIS Website. You may not copy, modify, translate, decompile, reverse engineer, reproduce, adapt or disassemble the Service. The display of any trademarks within this Website does not grant a license or other rights of any kind in those marks to the reader. Any downloading of material contained on the site, or on any site linked to the site, may be a violation of federal trademark and copyright laws.
Your Personal Information | When registering to use this site, making a payment or contacting TIS through this site, you agree to provide accurate and complete information about yourself and your payment obligation(s).
Changes In Terms | It is possible that TIS’s terms and conditions may change over time. We will post any changes on our web site. Prior notice may not be given, however, where an immediate change is necessary for security purposes of changes to terms and conditions.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY THIS SITE IS PROVIDED BY TIS ON AN “AS IS” AND “AS AVAILABLE” BASIS. TIS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY OF THE PERSONAL AND PAYMENT INFORMATION THAT YOU PROVIDE.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, TIS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. TIS DOES NOT WARRANT THAT THIS SITE, ITS SERVICES OR E-MAIL SENT FROM TIS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TIS (AS WELL AS ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES AND STOCKHOLDERS) WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, ANY CREDIT CARD COMPANY’S NON-AUTHORIZATION OF A USER’S CREDIT CARD PAYMENT, ANY GOVERNMENT ENTITY’S NON-ACCEPTANCE OF A PAYMENT FROM A PARTY USING THIS SITE OR FOR DISRUPTIONS IN SERVICE ON THIS SITE, REGARDLESS OF THE CAUSE, INCLUDING (WITHOUT LIMITATION) DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. TIS ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.