Terms of Use and Legal Information

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto may be guilty of committing a fraudulent insurance act, which is a crime.

These Terms of Use govern your use of and access to the website www.travelexinsurance.com and any other website or mobile sites (the “Websites”) owned and/or operated by Travelex Insurance Services, Inc. (“Travelex”, “TIS”, “we”, “us”, or “our”) and any materials, content, features, services, products, or resources made available on any such Websites (the “Content”).

THESE TERMS OF USE CONSTITUTE A BINDING AGREEMENT BETWEEN YOU AND US. PLEASE READ CAREFULLY THROUGH ALL SECTIONS OF THESE TERMS OF USE. YOUR ACCESS TO AND USE OF ANY OF OUR WEBSITES AND/OR CONTENT IS EXPRESSLY CONDITIONED ON YOUR ACCEPTANCE OF THESE TERMS OF USE. WE RESERVE THE RIGHT TO TERMINATE YOUR ACCESS TO THE SITE IF YOU VIOLATE THESE TERMS OF USE. BY ACCESSING AND USING ANY OF OUR WEBSITES OR CONTENT, YOU REPRESENT AND AGREE THAT YOU HAVE READ AND FULLY UNDERSTAND THESE TERMS OF USE. IF YOU DO NOT AGREE WITH OR FULLY UNDERSTAND ANY PART OF THE TERMS OF USE, YOU ARE PROHIBITED FROM USING OUR WEBSITES AND CONTENT.

MANDATORY ARBITRATION NOTICE AND CLASS ACTION AND JURY TRIAL WAIVER.

These Terms of Use contain a mandatory (binding) arbitration provision and class action and jury trial waiver clauses. Except for certain types of disputes described in the arbitration section below or where prohibited by applicable law, you agree that disputes between you and us regarding your use of the Websites or Content will be resolved by binding, individual arbitration and you waive your right to participate in a class action lawsuit or class-wide arbitration, including as a class representative. The arbitrator's decision will be subject to very limited review by a court. You will be entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in Court. For more details, see below.

We reserve the right to modify these Terms of Use at any time and without prior notice to you. You waive any right you may have to receive specific notice of such changes to these Terms of Use except for changes to our agreement to arbitration, which is discussed more fully below. Continued use of any of our Websites or Content by you will constitute your acceptance of any revisions to the Terms of Use. Your continued use of the Websites and/or Content will be subject to any such modifications with respect to any use of our Websites and/or Content after such modifications. As such, please check these Terms of Use regularly.

Accessing the Websites

We will not be liable if, for any reason, all or any part of the Websites are unavailable at any time or for any period. From time to time, in our sole discretion and without notice, we may restrict access to some parts of the Website(s), or entire Website(s), to users, including any registered users.

You are responsible for both:

Making all arrangements necessary for you to have access to the Websites.
Ensuring that all persons who access the Websites through your internet connection are aware of these Terms of Use and comply with them.

When you select a password and sign-up in order to access TIS’s partner online services, you agree to these Terms of Use, and to the following conditions:

TIS is authorized to act on instructions received under your password without any requirement to question those instructions;
TIS is not liable for any unauthorized access to your personal information that is not directly due to the negligence of TIS;
Your password contains sensitive information, and you will keep it confidential and secret;
You will notify TIS immediately if you believe anyone else has learned your password or if you believe an unauthorized access to TIS or your personal information has occurred or may occur;
TIS may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.
Violating these Terms of Use may lead to a revocation of TIS website access privileges.

Privacy

Besides these Terms of Use, we also publish a Privacy Policy. Although it is not part of these Terms of Use, we encourage you to read it to better understand how you can update, manage, access, and delete your information.

Permitted Uses

By accessing or using the Websites, you agree that:

Your use of the Websites is subject to and governed by these Terms of Use;
You will only access or use the Websites and transact business with us if you are at least eighteen (18) years old;
You will use the Websites solely for their services offered in the normal course of business;
You will always act in accordance with the law and custom, and in good faith;
You will comply with and be bound by these Terms of Use as they appear on the Websites each time you access and use the Websites;
Each use of the Websites by you indicates and confirms your agreement to be bound by these Terms of Use; and
These Terms of Use are a legally binding agreement between you and us that will be enforceable against you.

You further agree to not use the Websites in any way that:

Changes or alters the Websites or Content or services that may appear on the Websites;
Impairs in any way the integrity or operation of the Websites;
Interferes with or induces a breach of the contractual relationships between us and our employees;
Is in any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email and commercial communications;
Transmits any harmful or disabling computer codes or viruses;
Harvests email addresses from the Websites;
Transmits unsolicited email to the Websites or to anyone whose email address includes the domain name of the Websites;
Interferes with our network services;
Attempts to gain unauthorized access to our network services;
Suggests an express or implied affiliation or relationship with us without our express written permission;
Impairs or limits our ability to operate the Websites or any other person’s ability to access and use the Websites;
Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
Transmits or uploads violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
Dilutes or depreciates our or any of our affiliates’ name and reputation;
Transmits or uploads content or images that infringe upon any third party’s intellectual property rights or right to privacy; or
Unlawfully transmits or uploads any confidential, proprietary or trade secret information.

We have no obligation, but maintain the right, to monitor the Websites. This list of prohibited activities provides examples and is not complete or exclusive. We reserve the right to terminate your ability to use the Websites (or the Content) with or without cause and with or without notice, for any reason or no reason, or for any action that we determine is inappropriate or disruptive to the Websites or to any other user of the Websites and/or Content. We may report to law enforcement authorities any actions that may be illegal, and any reports we receive of such conduct. When legally required or at our discretion, we will cooperate with law enforcement agencies in any investigation of alleged illegal activity on the Websites or on the Internet, which may include disclosing any information we obtain. In addition, we may disclose information we obtain as necessary or appropriate to operate or improve the Websites, to protect us and/or our Website users, or for any other purpose that the law permits. YOU WAIVE AND HOLD HARMLESS US AND OUR AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

Electronic Signature and Fulfillment

You understand that by clicking the agreement box before checkout constitutes an electronic signature. The electronic signature documents consent to all of the provided terms and conditions. Electronic signatures are legal and enforceable in the same fashion as a traditional signature. You consent to issuance of policy documents, and all other notices, electronically via email if an email address is provided. You should be diligent in updating their provided email address if any changes occur. You may withdraw your consent and request a paper copy of policy documents via email [email protected] or over the phone at 800-228-9792.

Proprietary Rights and Your Use of the Websites

The material provided on the Websites, including the Content, information and any images, is for your personal, private, non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this Websites, including anything you download from the Websites, unless you first obtain our consent. You agree not to engage in unauthorized systematic retrieval of data or other content from the Website. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

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

Submissions

Other than your personally identifiable information or information otherwise subject to a confidentiality obligation, any information, ideas, questions, comments, proposals or materials that you submit to us, such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos (collectively, “Submissions”), via electronic transmission or otherwise, will be considered non-confidential and non-proprietary. By submitting any Submissions, you grant to us a perpetual, irrevocable, world-wide, royalty-free, fully paid-up, non exclusive, freely transferable, and freely sublicensable right and license to use, modify, publish, disclose, reproduce, adapt, translate, create derivative works from, redistribute, display, or exploit the Submission at our sole discretion. No compensation will be paid to you with respect to our or our sublicensees’ use of your Submission(s). By providing the Submission, you represent and warrant that you own or otherwise control all of the rights to your Submission as described in this section, including all the rights necessary for you to provide the Submission and grant the license above.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM, AND YOU AGREE NOT TO HOLD US OR ANY THIRD-PARTY PROVIDER OF THE WEBSITES AND/OR CONTENT RESPONSIBLE FOR, ANY LOSSES, DAMAGES, INJURIES, CLAIMS OR OTHER LIABILITY OF ANY KIND, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR SPECIAL DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, TRAVEL DISRUPTIONS, TRAVEL CANCELLATIONS, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESSING OR USING OR INABILITY TO ACCESS OR USE ALL OR ANY PART OF ANY OF OUR WEBSITES OR ANY OF THE CONTENT, OR YOUR RELIANCE ON SUCH WEBSITE AND/OR CONTENT, OR ANY FAILURE OF PERFORMANCE, OMISSION, ERROR, INTERRUPTION, DEFECT, DELAY IN TRANSMISSION OR OPERATION, COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONTENT, OR LINE OR SYSTEM FAILURE ASSOCIATED WITH SUCH WEBSITE AND/OR CONTENT, REGARDLESS OF OUR NEGLIGENCE AND/OR KNOWLEDGE THEREOF.

The law in certain states may not allow the disclaimer or exclusion of any or all of such liability, and as such, the limitations herein may not apply to you. OUR LIABILITY TO YOU FOR ANY AND ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER BASED ON WARRANTY, CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, WILL NOT EXCEED, IN THE AGGREGATE, FIFTY DOLLARS ($50.00). The Content in no way affects benefits or coverage provided under any travel insurance policy purchased, and the terms of that policy shall prevail if there is any conflict with our Websites or Content.

Disclaimer of Warranty

TO THE FULLEST EXTENT PROVIDED BY LAW AND EXCEPT AS OTHERWISE PROVIDED HEREIN OR ON THE WEBSITES, THE WEBSITES AND ALL CONTENT AND SERVICES OFFERED ON OR THROUGH THE WEBSITES AND ANY REFERENCED THIRD-PARTY SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. This means that TIS disclaims all express and implied warranties about the Websites and all material and Content in the Websites. This includes, but it is not limited to, warranties that: (1) the material or Content is of any particular level of accuracy or quality or is fit for a particular purpose; (2) that the functional elements contained in the materials and/or Content will be uninterrupted or error-free; (3) that any defects will be corrected; (4) that our Websites, the Content, materials, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (5) that information contained in the Websites and Content is accurate as of any particular date.

The information presented on or through the Websites is made available solely for general information purposes. Any reliance you place on such information is strictly at your own risk. TIS is not responsible for any incorrect or inaccurate information provided by or through the Websites, the materials, and/or the Content, including any information provided through any Website chat feature, and disclaims all liability and responsibility arising from any reliance placed on such information by you or any other visitor to the Websites, or by anyone who may be informed of any of its contents. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING THE ACCURACY OF ANY INFORMATION RECEIVED FROM THE WEBSITES OR CONTENT, INCLUDING ANY CHAT FEATURE, AND YOU ARE SOLELY RESPONSIBLE FOR TAKING APPROPRIATE ACTIONS BASED ON SUCH INFORMATION. We urge users to exercise caution and discretion when relying on information provided by any chat feature.

TO THE FULLEST EXTENT ALLOWED BY LAW, WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE WEBSITES, CONTENT, OR OTHER POSTED MATERIALS ON THE WEBSITES IN TERMS OF ITS CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

We sometimes provide access to other sites from our Websites or you may have reached our Websites from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our Websites or from which you may have reached our Website. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the TIS Websites or have moved elsewhere. You acknowledge and agree that these other sites may have different privacy policies and terms and conditions and/or user guides and business practices than us, and you further acknowledge and agree that your use of such other sites is governed by the respective site’s privacy policy and terms and conditions and/or user guides. We provide links to other sites to you as a convenience, and we do not verify, make any representations or take responsibility for such sites, including the truthfulness, accuracy, quality or completeness of the content, services, links displayed and/or any other activities conducted on or through such sites. YOU AGREE THAT WE WILL NOT, UNDER ANY CIRCUMSTANCES, BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY GOODS, SERVICES, INFORMATION, RESOURCES AND/OR CONTENT AVAILABLE ON OR THROUGH ANY THIRD-PARTY SITES AND/OR THIRD-PARTY DEALINGS OR COMMUNICATIONS, OR FOR ANY HARM RELATED THERETO, OR ANY DAMAGES OR LOSSES CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH YOUR USE OR RELIANCE ON THE CONTENT OR BUSINESS PRACTICES OF ANY THIRD PARTY.

BY PROVIDING MATERIAL ON OUR WEBSITES TIS DOES NOT IN ANY WAY PROMISE THAT THE MATERIALS WILL REMAIN AVAILABLE TO YOU OR THAT YOU WILL QUALIFY FOR THE PRODUCTS WE OFFER. TIS IS ENTITLED TO TERMINATE ALL OR PART OF ANY OF ITS WEBSITES AT ANY TIME, WITHOUT NOTICE TO YOU.

Indemnification

You agree to indemnify, defend and hold harmless us and, to the extent applicable, our subsidiaries and affiliates, and each of their and our respective directors, officers, shareholders, employees, agents, representatives, clients, contractors and third-party service providers, for any and all losses, claims, demands, actions, liability, fines, penalties and expenses (including reasonable legal fees) that may arise from any of your acts through the use of the Websites. Such acts may include: (i) providing content to or communicating with us or, to the extent applicable, our subsidiaries or affiliates; (ii) unauthorized use of Content obtained through the Websites; (iii) engaging in a prohibited activity; or (iv) any other action that breaches these Terms of Use. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, which shall not excuse your indemnity obligations.

Injunctive Relief

You acknowledge that we may be irreparably damaged if these Terms of Use are not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of these Terms of Use by you, we shall be entitled, without prejudice to any other rights and remedies that may be sought under the mandatory arbitration provision of these Terms of Use, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of these Terms of Use. For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the state or federal courts located in Nebraska. You consent to the jurisdiction of such court and waive any objection to the laying of venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.

MANDATORY ARBITRATION AND CLASS ACTION AND JURY TRIAL WAIVER

Most concerns can be resolved quickly and to your satisfaction by contacting us as set forth in the “Questions” section below.

In the event that we are not able to resolve a dispute, and with the exception of the claims for injunctive relief by us as described above and to the extent allowed by law, you hereby agree that either you or we may require any dispute, claim, or cause of action (“Claim”) between you and us or any third parties arising out of use of the Websites, the Content, our services, and any other actions with us (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory) to be arbitrated on an individual (non-class) basis. Claims also include, except as otherwise provided herein, disputes related to the coverage, applicability, arbitrability, enforceability, formation, scope, or validity of these Terms of Use, including this Arbitration provision, all of which shall be subject to the sole power of the arbitrator as described herein. Notwithstanding anything else herein, the enforceability of the Class Action Waiver shall be determined by a court. In addition, both parties retain the right to seek relief in a small claims court (or a state court equivalent) for a Claim within the scope of its jurisdiction so long as the small claims action does not seek to certify a class, combine the claims of multiple persons, recover damages in excess of the limit for a small claim under applicable state law or is not transferred, removed, or appealed from small claims court to any different court. Additionally, if you are a California resident, you retain the right to obtain public injunctive relief from any court with proper jurisdiction.

THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS VERY LIMITED. ADDITIONALLY, ANY ARBITRATION OF A CLAIM WILL BE ON AN INDIVIDUAL BASIS, AND, THEREFORE, YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION LAWSUIT. AS PART OF THIS WAIVER, YOU AGREE THAT YOU WAIVE THE RIGHT TO ACT AS A PRIVATE ATTORNEY GENERAL IN AN ARBITRATION; THAT EXCEPT AS OTHERWISE PROVIDED IN THIS ARBITRATION AGREEMENT, CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.

You and we agree that your use of the Websites and/or Content involves interstate commerce, and that this arbitration agreement shall be interpreted and enforced in accordance with the Federal Arbitration Act (FAA) set forth in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claims at issue. The arbitrator must follow, to the extent applicable: (1) the substantive law of the state in which we entered into the transaction giving rise to this arbitration agreement; (2) the applicable statutes of limitations; and (3) claims of privilege recognized at law. The arbitrator will not be bound by federal, state or local rules of procedure and evidence or by state or local laws concerning arbitration proceedings.

If either you or we elect to arbitrate a Claim, the dispute shall be resolved by binding arbitration administered under the applicable rules of the American Arbitration Association (“AAA”). Either you or we may elect to resolve a particular Claim through arbitration, even if the other party has already initiated litigation in court related to the Claim, by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court.

If this is a consumer-purpose transaction, the applicable rules will be the AAA’s Consumer Arbitration Rules. The applicable AAA rules and other information about arbitrating a claim under AAA, including how to submit a dispute to arbitration, may be obtained by visiting its website at https://www.adr.org/ or by calling 1-800-778-7879. If AAA will not serve as the administrator of the arbitration, and you and we cannot then agree upon a substitute arbitrator, you and we shall request that a court with proper jurisdiction appoint an arbitrator. However, we will abide by the applicable AAA rules regardless of the forum. Arbitration shall be conducted in the county and state where you accepted these Terms of Use, you reside, or another reasonably convenient place to you as determined by the arbitrator, unless applicable laws require another location. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Except as provided in applicable statutes, the arbitrator’s award is not subject to review by the court and it cannot be appealed. The parties will have the option to request and receive a statement of reasons for the arbitration award.

Notwithstanding anything to the contrary in these Terms of Use, and except as otherwise set forth in this paragraph, the agreement to arbitration may be amended by us only upon advance notice to you. If we make any amendment to this agreement to arbitration (other than renumbering the agreement to align with any other amendment to the Terms of Use) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding or action against us prior to the effective date of the amendment. The amendment shall apply to all other Claims governed by this agreement to arbitration that have arisen or may arise between you and us. However, we may amend this agreement to arbitration and not provide you notice; in that case, the amendments will not apply to you and the agreement to arbitration contained in these Terms of Use to which you agreed will continue to apply to you and us as if no amendments were made.

If any part of this arbitration provision is invalid, all other parts of it remain valid. However, if the class action limitation is invalid, then this arbitration provision is invalid in its entirety, provided that the remaining Terms of Use shall remain in full force and effect. This arbitration provision will survive the termination of your use of the Websites, the Content, services, and any other actions with us.

You may reject this arbitration provision within thirty (30) days of accepting the Terms of Use by emailing us at [email protected] and including in the subject line “Rejection of Arbitration Provision.”

Jurisdictional Issues

Unless otherwise specified, the materials in our Websites are presented to provide information about TIS, our insurance products and the insurance business. TIS operates and controls its Websites from the Company’s headquarters in Omaha, Nebraska, in the United States of America, and Nebraska law shall govern and control any action concerning the TIS Websites. We do not in any way imply that the materials on the Website or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an online request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

Unless otherwise expressly set forth herein, TIS makes no representation that materials on the Websites are appropriate or available for use in any location. Those who choose to access the Websites do so by their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on the Websites is not an offer to sell or a solicitation to buy any insurance product or other product or service offered by TIS. No insurance product or other product or service is offered or will be sold by TIS or, if sold by TIS, will be effective in any jurisdiction in which such offer, 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.

Insurance, Underwriting, and Administration

Plans are subject to terms, conditions, and exclusions. Specific benefits and limits of coverage vary depending on the plan purchased. For a complete description of the coverage and specific benefit limits offered under your plan, carefully review your Letter of Confirmation/ Insurance Policy/Certificate of Insurance. All plans not available in all states/countries.

Insurance benefits are underwritten, depending on your state of residence and product purchased, by: Berkshire Hathaway Specialty Insurance Company or Zurich Insurance Group Ltd.

When you click the button on the Website to purchase insurance, you are submitting a request for coverage from the insurer. This request for coverage is considered an offer by you to the insurer. The insurer may decline to accept your offer, or your coverage may later be nullified and voided as if it were never in effect, if you fail to meet the terms and conditions of that coverage. This includes, but is not limited to, any circumstance where providing coverage, benefit, or services under the policy, or the underlying business or activity, would (1) violate any applicable law or regulation, including without limitation any economic or trade sanction or embargo; or (2) be provided within, or otherwise related to, any country subject to comprehensive economic and/or trade sanction or embargo in the United States.

Except where specified, the Website does not form part of the terms and conditions of an insurance policy, the protection plan or any subsequent insurance contract which is entered into by a user.

We in no way imply that such insurance products and services are available to residents of jurisdictions in which we are not licensed to do business, or that we are soliciting business in any way from such jurisdiction(s). By submitting to us a request to purchase any of our insurance products, electronically or otherwise, you are representing and warranting to us that you are a U.S. resident residing in a jurisdiction in which we are licensed to do business and are not otherwise prohibited from purchasing from us (including without limitation due to economic sanctions or other legal prohibitions).

Miscellaneous

Merger. These Terms of Use (which hereby incorporate by reference any other provisions applicable to use of the Websites) constitutes the entire agreement between you and us and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and us with respect to the Websites and Content, information, software, products and services associated with it.

Severability. If any term or provision in these Terms of Use is found to be void, against public policy, or unenforceable by a court of competent jurisdiction and such finding or order becomes final with all appeals exhausted, then the offending provision shall be deemed modified to the extent necessary to make it valid and enforceable. If the offending provision cannot be so modified, then the same shall be deemed stricken from these Terms of Use in its entirety and the remainder of these Terms of Use shall survive with the said offending provision eliminated.

Governing Law and Venue. These Terms of Use shall be governed by and construed in accordance with the laws of the State of Nebraska, excluding its conflicts of law rules, and the United States of America. Except as set forth in the agreement to arbitration and without waiving it, you agree that any dispute arising from or relating to the subject matter of these Terms of Use (including but not limited to if you opt out of the agreement to arbitration) shall be governed by the exclusive jurisdiction and venue of the state and federal courts of Omaha, Nebraska, except where the jurisdiction and venue are mandated by applicable assignment.

Assignment. You may not assign, delegate or transfer these Terms of Use or your rights or obligations hereunder, in any way (by operation of law or otherwise) without our prior written consent. We may freely assign our obligations and rights under these Terms of Use, including all personal information in our possession that we have collected during your use of the Websites as further described in our Privacy Policy.

No Waiver. No failure, omission or delay on the part of us in exercising any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

Headings. Provision and section headings are for convenience of reference only and shall not affect the interpretation of these Terms of Use.

Questions

If you have any questions or comments about these Terms of Use or the Websites, please contact us by email at [email protected]. You also may write to us at:

Travelex Insurance Services, Inc.
Attn: Privacy Manager
810 N 96th St., Suite 300
Omaha, NE 68114

Last Updated: October 14, 2025