Terms and Conditions
Welcome to American Trustee Health and Life Insurance. By using our website www.americantrusteellc.com, engaging with our services, or purchasing insurance policies through us, you agree to comply with and be bound by the following terms and conditions. Please review these carefully. If you do not agree with any of these terms, you should not use our website or services.
1. Acceptance of Terms
By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, in conjunction with our Privacy Policy. These terms apply to all visitors, clients, and users of our site and services.
2. Changes to Terms
We reserve the right to update, modify, or change these terms at any time without prior notice. Any changes will become effective immediately upon being posted to the website. Continued use of the website or our services after any modifications to these terms will constitute your acceptance of the revised terms.
3. Insurance Services
American Trustee Health and Life Insurance provides health, dental, vision, group benefits, life insurance, and other related services. All insurance products and services are subject to availability, state regulations, and underwriter approval. By obtaining a quote or purchasing a policy, you understand that:
- Insurance coverage will not be effective until it has been confirmed in writing and premium payments have been processed.
- Insurance services are subject to state-specific regulations, and policies may vary depending on your location.
- The terms of coverage are governed by the specific policy documents provided at the time of purchase.
4. Insurance Quotes
Quotes provided on our website or via email are estimates based on the information you supply. Actual premiums, coverage amounts, and eligibility will depend on the underwriting process, which may include medical evaluations and additional information requests. You must provide accurate and complete information during the quoting process. Any misrepresentation could affect the validity of your insurance policy.
5. Payment of Premiums
Premiums for insurance policies are due as outlined in your policy documents. Failure to make timely payments may result in the cancellation of your policy. Payment methods accepted include [list payment methods, e.g., bank transfer, credit card, etc.]. You are responsible for any applicable taxes or fees associated with your policy.
6. Intellectual Property
All content on the American Trustee website, including text, logos, graphics, and other materials, is the intellectual property of American Trustee Health and Life Insurance or its content suppliers and is protected by copyright, trademark, and other laws. You may not use or reproduce any part of our website or materials without explicit permission.
7. Limitation of Liability
To the fullest extent permitted by applicable law, American Trustee Health and Life Insurance will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use or inability to use our website, insurance services, or reliance on any information provided. This includes but is not limited to loss of profits, data, or other intangible losses.
8. Third-Party Links
Our website may contain links to third-party websites that are not owned or controlled by American Trustee Health and Life Insurance. We are not responsible for the content or practices of any linked third-party websites. These links are provided for convenience, and you access them at your own risk.
9. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the state of Georgia, USA, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Georgia.