Billing Info - aft

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You want to keep your personal information, well, personal. As the program administrator we understand this and we work hard to keep information about your use of this website safe. Protecting your privacy when you use this website is our way of ensuring your trust in the programs we offer.

In order to operate the Website Bill Payment service and to reduce the risk of fraud, this website (or "we" or "us") must ask you to provide us with information about yourself and your credit card and/or bank account. This Privacy Policy describes the personal information we collect and how we use that information. We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the website.

By accepting this Privacy Policy and the website Terms of Service, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy. Please note that this website is not designed for use by children nor does the website seek to collect information on children who may visit the site.

We may need to update our website privacy statement as legal requirements or business needs require. Any alterations to these principles will be posted here for your review.

The Information We Collect

When you visit this website, we collect and store non-identifying information about your visit. This information may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet service provider. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and cannot be used to identify you.

To help enhance the user experience online, the site also uses "cookies" so users do not have to re-enter information as they navigate the website. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Cookies are used to help personalize the online experience for the user-based on the action you request. If you submit your date of birth and group affiliation, you receive information about your available group programs. We do not share this information with outside organizations.

There are also several opportunities on our website for you to voluntarily provide us with personal information about your particular group and specific care needs. For example, we will need personal information from you when you enroll in accident insurance, submit a question online, or request product information. This information includes your name, mailing address, e-mail address, current coverage, and other similar information. We use your voluntarily provided personal information to provide you exceptional customer service and to create a more meaningful visit for you at this website. In addition to the information you voluntarily provide us with, we may also receive other non-public, personal information about you from other agents, brokers, administrators, investigators, insurance-support agencies, legal counsel, consumer reporting agencies and government reporting agencies. Any information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.

By providing us with personal information so we may assist you on this website, you are "opting-in" to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated and you would like not be contacted again, please contact us using the procedures outlined below under "Questions About Your Information" to "opt-out" from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

How do we use your information?

Internal Uses

We collect, store and process your personally identifiable information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personally identifiable information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

Disclosure to Third Parties

This website does not sell or rent any of your personally identifiable information to affiliates or unaffiliated third parties. We will not share any of your personally identifiable information with third parties except in the circumstances described below or with your permission.

We share personally identifiable information with third parties that help us process the transactions you request.
We disclose personally identifiable information with third parties that we in good faith believe is appropriate to cooperate in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the website's Terms of Use or the Terms of Service Agreement, or as otherwise required by law.
Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.
We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personally identifiable information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.
As otherwise permitted by federal or state law.

In no circumstance, will we disclose customer bank account numbers, credit card numbers or access codes to third parties for telemarketing or direct marketing purposes.

Cookies

Our site may make use of cookies (or a similar technology) to better manage our web site and to assist us in providing you with tailored information and services. A cookie is a tiny element of data that our web site can send to your browser, which is then stored on your hard drive so that we can do things such as better serve you as you navigate through our site or when you return. You may set your browser to notify you or decline the receipt of a cookie; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

Do Not Track

Some internet browsers offer the user a "Do Not Track" technology. The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user. At the current time, this website does not have the capability of recognizing a "Do Not Track" request.

Web Beacons

Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor's cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

Email

The website does not automatically recognize your email address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via email. We collect the email addresses of those who communicate with us via email and online forms, including those who specifically check a box to subscribe on our online forms (for example, an opt-in for email updates is on the online enrollment form). Any user who signs up for emails can unsubscribe or manage his/her subscription by linking to the personal URL emailed to all subscribers. Every email sent also includes information about how to stop receiving emails from us. If you sign up for e-mails (including E-News), where applicable you can expect to receive emails from our customer service email address.

We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

This Privacy Policy applies only to information collected by this website.

Questions About Your Information

If you have any questions about your personal information records or if there are changes you would like to make to your data such as updating your mailing address, the names of your beneficiaries, or your e-mail address, etc., please contact the group customer service at (800) 424-5181. You may also use our secure Customer Service section of this site to submit any questions you may have. If you would prefer to communicate with us by regular mail, please use the following address:

Program Administrator
Office of Administration
PO Box 26450
Phoenix, AZ 85068

Whichever way you wish to communicate about the websites programs, you will always have the opportunity to ask us questions about the information we have concerning your coverage. You take online privacy seriously, and so do we.

You can access all your personally identifiable information that we collect online and maintain by calling us at (800) 424-5181 or by providing a written request to the address set forth above. This will give you the opportunity to review your personally identifiable information or update us on a correction that needs to be made. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question relating to your coverage and when you enroll in online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to serve up secure Web pages in your browser using SSL, we've acquired a security certificate from one of the Internet's leaders in secure Web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

this procedure to better safeguard your information.

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question relating to your coverage and when you enroll in online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to serve up secure Web pages in your browser using SSL, we've acquired a security certificate from one of the Internet's leaders in secure Web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

Revisions

We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers.

Important
Please Read This Entire Agreement Carefully

You must agree to these Terms of Service ("Agreement") in order to enter into a transaction on this website. Please read this Agreement carefully.

The terms and conditions set forth in our Privacy Policy are hereby incorporated into this Agreement.

The Program Administrator provides this website, (collectively "Website" or "Site") the materials and services to you as a user conditioned upon and subject to your acceptance of this Agreement. By using and/or accessing this site or its services, you acknowledge that you have read, understand, and agree to be legally bound by this agreement.

Definitions

The following defined terms are used in these Terms of Services:

“Program Administrator” means the entity that is offering and providing services through this website (collectively “Program Administrator” or “Administrator” or “we” or “us”).

“Carrier” means the insurance products described on this site are underwritten by reputable, licensed Underwriting Carrier(s).

“Service Provider” means service products are offered by a variety of reputable, approved vendors and their affiliates.

"Payee" means the merchant or other entity to which you authorize a bill payment to be directed.

"Payee Account" means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

"Payment Instruction" means your instruction and authorization to the program administrator to make a bill payment to a payee.

"Payment Account" means the bank account that you authorize the program administrator to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

"Payment Card" means the credit card or debit card that you instruct your program administrator to charge to pay your bill payment.

"Business Day" means Monday through Friday, excluding Federal Reserve holidays.

Bill Payment Service

When you initiate a Payment instruction, you authorize your program administrator to charge your payment card or debit your payment account and remit funds to the payee. If we are unable to obtain funds for a bill payment for any reason associated with your payment card or payment account (for example, there is not a sufficient balance available on your payment card or in your payment account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your payment instruction, the program administrator may attempt to contact you, using the telephone number you have provided.

If the program administrator makes a bill payment to your payee account but is unable to obtain funds for that payment from your payment card or payment account, you agree that your bill payment to your payee account will be reversed.

You agree that from time to time the payment services contemplated under this agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond the program administrators control or which are not reasonably foreseeable to the program administrator.

Our Liability for Failure to Complete Transactions

The program administrator will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:

Sufficient funds are not available through your payment account or your payment card;
Failure of any payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;

The bill Payment service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
You do not provide us with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct payee account information; or
Circumstances over which the program administrator has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of nature, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.

LIMITATION OF LIABILITY AND YOUR EXCLUSIVE REMEDY

In the absence of any of the exclusions set forth above, it shall be the program administrator’s responsibility to correct any transactions not completed in accordance with your payment instructions. In the event that the program administrator is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall the program administrator’s liability to you ever exceed the amount of funds that we receive from your payment account or payment card for a bill payment. THE FOREGOING SHALL CONSTITUTE THE PROGRAM ADMINISTRATOR'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. THE USE OF THIS PAYMENT SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL [PROGRAM ADMINISTRATOR] BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF YOUR USE OF THE BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, WE SPECIFICALLY DISCLAIM AND YOU UNDERSTAND THAT WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED AND THE SAME ARE HEREBY EXCLUDED FROM THESE TERMS AND CONDITIONS AND ALL TRANSACTIONS CONTEMPLATED HEREBY. SOME STATES PROHIBIT THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THUS THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.

User Authentication and Security

The Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) Data Security Standards so that no one can access your payment account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account Number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using the Bill Payment Service. If you permit other persons to use the Bill Payment Service or your bill payment authentication responses or other means to initiate a payment instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use the Bill Payment Service without your consent, you must notify us at once by calling the program administrator at (800) 424-5181 during normal customer service hours.

Errors and Questions

In case of errors or questions about your transactions, you need to contact us as soon as possible.

1. Telephone us at the program administrator (800) 424-5181 during normal customer service hours.

2. Write us at: Program Administrator
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

Charges

Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your payment instruction. By submitting your payment instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the program administrator to charge your designated payment card or debit your payment account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.

Governing Law

These Terms of Services shall be governed by the laws of the state of California without regard to that state's conflicts of laws provisions and by applicable Federal laws and regulations.

Waivers

No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.

Disclosures & Consent to Electronic Transactions / Electronic Signature

a. By entering this website and agreeing to be bound by this agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.

b. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct transactions in paper format if you wish. By entering this website and agreeing to be bound by this agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.

c. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance or service elections free of charge. Please print a paper copy of your elections for your records because if you will not be able to access your enrollment information on the site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the Program Administrator Office of Administration. You understand and agree that requests for change submitted to the carrier, service provider, or the Site will not be valid or take legal effect after the end of your enrollment.

d. Once you have given consent for an electronic transaction, you may withdraw your consent only if the carrier or service provider has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181 or by writing to the Office of Administration, PO Box 26450, Phoenix AZ 85068. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance or service will remain effective until your request for cancellation is received by the program administrator policyholder or its representative.

e. You agree that your electronic signature authorizes The Underwriting Carrier(s), Service Provider(s) or its authorized representatives:

1. to process this transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy or service agreement. For example, we will rely on your electronic signature to authorize us to process your request for service, insurance coverage(s) and beneficiary designation(s) made during your enrollment.
- i. to process, as applicable:
2. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
- ii. a billing transaction with your financial institution to deduct the appropriate amount from your account.
3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
4. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.

User Representations

You represent and warrant to the program administrator that: (a) you are over the age of eighteen (18) and have the power and authority to enter into and perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.

Additional Terms and Conditions

The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third-party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of the program administrator in any way; use the website or services to modify or manipulate the website or services or any of the program administrators hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of the carrier/service provider or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither the carrier, the service provider, nor the program administrator makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. The carrier, service provider and the program administrator periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that the carrier, service provider and the program administrator take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the carrier, service provider and the program administrator disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on the carrier’s insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.

Revisions

We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

You understand that this website and the payment services contemplated here under may be performed by third-party vendors.

By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.