Terms & Conditions

This acceptable use policy sets out the terms between you and us under which you may access our website www.peinsurance.com (our site). This acceptable use policy applies to all users of, and visitors to, our site. Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy.

PROHIBITED USES

You may use our site only for lawful purposes. You may not use our site:

• In any way that breaches any applicable local, national or international law or regulation.
• In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To send, knowingly receive, upload, download, use or re-use any material.
• To transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam).
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

• Not to reproduce, duplicate, copy or re-sell any part of our website.
• Not to access without authority, interfere with, damage or disrupt Any part of our site;
• Any equipment or network on which our site is stored;
• Any software used in the provision of our site; or
• Any equipment or network or software owned or used by any third party.

INTELLECTUAL PROPERTY RIGHTS

"Pacific Educators" and their logos are registered trademarks in the USA. The copyright and the content, branding and images in the our site belong to Pacific Educators or the images and content are used by Pacific Educators with the permission of the copyright owner. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Note that we are not the owner of copyright in any site linked to our site which is not an official Pacific Educators site and you should seek permission from the site owners before copying any materials from them. You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organization to material posted on our site. It is your responsibility to ensure that any software downloaded onto your computer from this site is suitable and free from viruses. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, or any graphics separately from any accompanying text. In particular, you must ensure that any copyright or disclaimer notices remain intact. You must not pass any materials from our site to any third party without our express consent to do so. You must not use any trademarks or logos on our site for commercial purposes without obtaining a license to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

RELIANCE ON INFORMATION POSTED

Commentary and other materials posted on our site are provided for information purposes only and are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents. We are not responsible or liable to you for the content of any website which may be reached via a link on this website which is not an official Pacific Educators site. We will not be liable for reliance upon any item contained on any third party websites. Inclusion on this website does not constitute a recommendation by us of the services of the third party. They are provided as examples for information purposes only.

OUR SITE CHANGES REGULARLY

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

OUR LIABILITY

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. However, content regarding Pacific Educators Insurance policy wording, summaries and clauses may be downloaded for contract certainty purposes and this information will be maintained so as to guarantee its accuracy and validity at all times. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
  • loss of income or revenue;
  • loss of business;
  • loss of profits or contracts;
  • loss of anticipated savings;
  • loss of data;
  • loss of goodwill;
  • wasted management or office time; and
  • any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Student Insurance Payments

Our Student Insurance Policies are payable by check, money order, MasterCard, Visa, and American Express. Online payments include a processing fee. You can avoid this fee by completing a paper application and paying with check or money order via US Mail. All payments made are a one time annual payment. There are no payment plans.

Student Insurance Effective Dates

“School Time Coverage”

Effective at time of purchase and terminates on the last day of school as stated in the master policy established by your child’s school or school district.

“24-Hour A Day Coverage”

Effective at time of purchase and terminates on the first day of school the following year as stated in the master policy established by your child’s school or school district.

“Tackle Football Coverage”

Effective on the first day of practice established by the State High School Athletic Association or at time of purchase (whichever is later). Coverage terminates at the end of the season, as determined by the State High School Athletic Association.

Student Insurance Policy Delivery

Policy numbers are delivered immediately (please print for proof of coverage). The Master Policy is held at the School or School District your child attends. Please refer to the brochure for an outline of coverage including plan details, policy limits, limitations, and exclusions.

Student Insurance Refunds/Returns

All Student Insurance sales are final. No refunds.