Terms of Service
Updated: April 24, 2015
The Moose VIP Endorsed Insurance Programs realizes how important privacy is to our membership. Therefore, we have adopted the following policy to advise you of your choices regarding the use of your personal information online. This policy describes what types of information we gather about you, how we use it, under what circumstances we disclose it to third parties, and how you can update it.
We gather certain broad information about website use including the number of unique visitors, the frequency with which they visit, and the programs and services preferred. We look at the data in summary form, rather than on an individual basis. We gather this information so we can learn how many people visit Moose VIP sites, which pages are the most and least viewed, and which websites are referring visitors to our sites. We use this information to help us in restructuring sites to meet our members' needs. The Moose VIP Endorsed Insurance Programs website does not respond to "Do Not Track" signals.
The Moose VIP Endorsed Member Benefit website and services are intended for general audiences and we do not knowingly collect any personal information from children under 13 years of age. We are committed to complying fully with the Children's Online Privacy Protection Act of 1998. Of course, the Moose VIP Endorsed Insurance Programs encourages parents to discuss privacy issues with their children.
We compile lists for communications and marketing purposes. We will provide that information to Moose VIP affinity partners who we believe provide goods and/or services that might be useful to Moose VIP members. Contracts with these companies require them to keep the member information strictly confidential and prohibit them from using it for any other purpose. You may ask us to remove you from the lists by: (1) emailing from our Contact Us page; (2) calling us at 1-800-672-3888; or (3) writing to us at Moose International, 155 S. International Drive, Moosehead, IL 60539. We do not provide member information to telemarketers, mailing list brokers, or other companies that are not offering Moose VIP services or benefits. Third parties do not collect personally identifiable information about the online activities of individuals who visit this website.
The Moose VIP Endorsed Insurance Programs website utilizes a standard technology called a "cookie" to collect information about how our sites are used. Cookies are small strings of text stored on your computer's hard drive. For example, session cookies identify your computer during a particular session to track the items you have placed in your "shopping cart" during a visit to our online stores. Please note that if you choose to decline cookies, you may not be able to access certain interactive features and services offered on the Moose VIP Endorsed Insurance Programs website.
We collect and analyze traffic on our websites by keeping track of the Internet Protocol (IP) addresses of our visitors.
You may be asked to provide different types of personal information, including your name, date of birth, email address, mailing address or telephone number. Particular services may require additional information such as your billing address, credit card number and expiration date. For example, we may ask for information to process your membership application, facilitate an online store purchase, or register for one of our events. There are also optional opportunities for you to share your preferences and interests.
Control of Personal Information
We also use your information to send you notices in the mail or by email about special member benefits, discounts and offers. If you do not wish to receive mailings, you can: (1) opt out of email lists immediately by following the instructions at the bottom of each email; (2) email us using our Contact Us page, (3) call us at 1-800-395-7881 ; or (4) write to us at Moose International, 155 S. International Drive Mooseheart, IL 60539.
Editing Your Personal Information
Three ways you can edit or update your personal information: (1) visiting My Account Moose VIP Endorsed Insurance; (2) calling us at 1-800-395-7881 ; or (3) writing to us at Moose VIP Office of Administration
P.O. Box 26860 Phoenix, AZ 85068
We protect your personal information by using technologies and processes such as encryption, access control procedures, network firewalls, physical security and other measures. Data is secured in transit by Secure Sockets Layer (SSL) technology. Only authorized employees or agents with a legitimate business purpose are allowed to access your personal information. We train our employees and agents to implement and understand our privacy and confidentiality policies.
Changes to This Policy
Terms and Conditions of Web Site use:
Important - Please Read This Entire Agreement Carefully.
You must agree to these Terms of Service ("Agreement") in order to enter into an insurance transaction or transaction with your sponsoring group on this website. Please read this Agreement carefully.
Moose International sponsors the life, accident and supplemental health insurance programs offered through Moose VIP. The products described on this site are underwritten by Underwriting Carrier(s) and their affiliates (collectively, "Carrier").
Moose VIP provides this Website, the materials and services located at www.moosevip.com and under the name Moose VIP (collectively "Website" or "Site") 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.
The following defined terms are used in these Terms and Conditions:
"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 Moose VIP to make a bill payment to a Payee.
"Payment Account" means the bank account that you authorize Moose VIP 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 Moose VIP to charge to pay your bill payment.
"Business Day" means Monday through Friday, excluding Federal Reserve holidays.
Moose VIP Bill Payment Service
When you initiate a Payment instruction, you authorize Moose VIP 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, Moose VIP may attempt to contact you, using the telephone number you have provided to Moose VIP.
If Moose VIP 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 Moose VIP control or which are not reasonably foreseeable to Moose VIP.
Our Liability for Failure to Complete Transactions
Moose VIP will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, Moose VIP 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 Moose VIP 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 Moose VIP Bill Payment Service is not working properly and you know or have been advised by Moose VIP about the malfunction before you execute the transaction;
- You do not provide Moose VIP 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 Moose VIP 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 God, 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 MOOSE VIP's responsibility to correct any transactions not completed in accordance with your Payment Instructions. In the event that MOOSE VIP 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 MOOSE VIP 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 MOOSE VIP's ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. THE USE OF THIS PAYMENT SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL MOOSE VIP 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 MOOSE VIP 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
Moose VIP 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 Moose VIP Bill Payment Service. If you permit other persons to use Moose VIP 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 Moose VIP Bill Payment Service without your consent, you must notify Moose VIP at once by calling 1-800-395-7881 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.
Telephone us at 1-800-395-7881 during normal customer service hours.
Write us at: Moose VIP Office of Administration
P.O. Box 9887
Phoenix, AZ 85068
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 Moose VIP 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.
These Terms and Conditions 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.
No delay or omission by us in exercising any rights or remedies under these Terms and Conditions 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
- 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.
- You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct insurance 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 insurance transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
- 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 elections free of charge. Please print a paper copy of your insurance 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 Moose VIP Endorsed Insurance Program Office of Administration. You understand and agree that requests for change submitted to Carrier or the Site will not be valid or take legal effect after the end of your enrollment.
- Once you have given consent for an electronic transaction, you may withdraw your consent only if Carrier 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) 393-0864 or by writing to Moose VIP Endorsed Insurance Program Office of Administration, PO BOX 26860 Phoenix, AZ 85068-9867. 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 will remain effective until your request for cancellation is received by the group policyholder or its representative.
- You agree that your electronic signature authorizes The Underwriting Carrier(s) or its authorized representatives:
- to process this insurance 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. For example, we will rely on your electronic signature to authorize us to process your request for insurance coverage(s) and beneficiary designation(s) made during your enrollment.
- to process, as applicable:
- 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
- a billing transaction with your financial institution to deduct the appropriate amount from your account.
- 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.
- 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.
You represent and warrant to Moose VIP that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this Agreement; (b) all information provided by you to Moose VIP 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
Moose VIP provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to Moose VIP, 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 Moose VIP in any way; use the Website or services to modify or manipulate the Website or services or any of Moose VIP hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of Carrier, 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 Carrier nor Moose VIP 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. Carrier and Moose VIP periodically update the information on the Website, but disclaim any responsibility to do so. Therefore, you understand and agree that Carrier and Moose VIP take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that Carrier and Moose VIP 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 Carrier nor Moose VIP is engaged in rendering legal, tax, insurance benefits or any other advice through this Website or services. Your insurance needs are highly individual, and Carrier and Moose VIP 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 Carrier's insurance products as described in this Website is not complete and does not change or affect the insurance policies as actually issued. Although you have been provided with a description of benefits, you understand 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.
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 group policy issued to your association/policyholder. You acknowledge and agree that if group 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.
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.