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 financial institution on this website. Please read this Agreement carefully.

Marsh Affinity Group Services (“Marsh”), the MOAA Insurance Plans Administrator, provides this Website, the materials and services located at www.personal-plans.com/product/moaa/tricare and under the 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. You will be asked to confirm your acceptance of this “Agreement” by clicking Enroll Now on the Website.

1. 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 insurance transactions in paper format if you wish. By entering this Site 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 Marsh at 1-800-247-2192. There is no charge to you for requesting a paper transaction.

c. When you have successfully entered your enrollment information and have selected Enroll Now 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 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 after your enrollment, you must contact Marsh at 1-800-247-2192. You understand and agree that requests for change that are submitted to The Hartford or the Site will not be valid or take legal effect after you have submitted your enrollment.

d. Once you have given consent for an electronic transaction, you may withdraw your consent only if The Hartford 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 Marsh by calling 1-800-247-2192 or writing to Marsh at: 1776 West Lakes Parkway West Des Moines, IA 50398. 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.

e. You agree that your electronic signature authorizes The Hartford or its authorized representatives:

(1) 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) made during your enrollment.

(2) to process, as applicable:

i. 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.

f. You understand and agree that to access the Website to view your enrollment elections, you will need the following hardware and software: Microsoft Windows or Macintosh compatible computer, Internet access, a working email address, an Internet Browser (Internet Explorer version 5.5 or higher or Netscape 7.0 or higher). Or 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 Marsh at 1-800-247-2192 for confirmation after your enrollment period ends.

2. Additional Terms and Conditions

Marsh provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to Marsh, 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 Marsh in any way; use the Website or services to modify or manipulate the Website or services or any of Marsh’s hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of The Hartford, or to erase or damage any information contained on the computer or 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 destructive or harmful codes, 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 Hartford nor Marsh 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 Hartford and Marsh periodically update the information on the Website, but disclaim any responsibility to do so. Therefore, you understand and agree that The Hartford and Marsh take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that The Hartford and Marsh disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or non-infringement of other’s rights.

You understand and agree that neither The Hartford nor Marsh 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 Hartford and Marsh 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.

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (Policy Form #7318-5 [3rd Rev.][HLA][1134] as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to the insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available in all states.

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.

If you choose not to accept The Hartford’s Terms and Conditions, you will not be enrolled. You acknowledge that you have received and read The Hartford’s Privacy Policy and Legal Notice.