POINT OF SALE TERMS AND CONDITIONS

Acend, Inc., dba REIN, and Acend Insurance Solutions, LLC (collectively, the “Company”, “we” or “us”), provides you with the ability to purchase insurance online, including, but not limited to, through our website at www.droneinsurance.com, our affiliated websites and any applications we develop for the web, Android and iOS (collectively, our “Sites”). “You” or “your” means you or the person visiting our Sites and/or using our products and services. If you accept or agree to these Terms on behalf of a company or other legal entity named in your account, “you” and “your” will refer and apply to that company or other legal entity. Your use of our Sites and your purchase of insurance is governed by these Point of Sale Terms and Conditions (this “Agreement”), and any other terms and conditions referenced on our Sites, including, but not limited to, our Privacy Policy and Terms of Use  (all such terms and conditions on our Sites are incorporated herein by reference) (collectively, the “Terms”). This Agreement is a legally binding agreement between you and us.If you wish to conduct business with us, please carefully review and consent to the terms listed below.

Table of Contents:

Your Account and Coverage Application
Consent to Electronic Signatures
Consent to Electronic Delivery
State Specific Provisions Regarding Electronic Delivery
Payment
Changes
Fraud Statements
Terrorism Risk Insurance Act
Legal Effect

YOUR ACCOUNT AND COVERAGE APPLICATION

All representations herein and in your account and coverage application are declared to be true and complete to the best of your knowledge and you represent that no information has been withheld or suppressed. You agree that your coverage application and the terms and conditions of the policy in use by the insurers shall be the basis of any contract between you/us and the insurer(s). You hereby authorize the insurers to investigate all representations contained herein and in your coverage application.

Insurance will not be effective until the application and premium payment (or monthly installment) have been received and you are in receipt of a written confirmation from us, your insurance agent (also known as an ‘insurance producer’) or from the insurer that the policy is in effect.

SUBMISSION OF YOUR APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE YOU LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE INSURER AGREES TO EFFECT THIS INSURANCE.

YOU FULLY UNDERSTAND THAT THE POLICY WILL INCLUDE TERMS, CONDITIONS AND EXCLUSIONS WITH RESPECT TO THE INSURANCE AFFORDED. Any questions about the insurance afforded under this program should be directed to us or your insurance producer.

CONSENT TO ELECTRONIC SIGNATURES

By choosing to transact business with us electronically, you agree to use electronic signatures which shall have the same force and effect as your written signature. Electronic signatures may take various forms on our Sites, including checking a box.

The Uniform Computer Information Transactions Act or any version thereof adopted by any state in any form (“UCITA”) shall not apply to this Agreement. To the extent that UCITA is applicable, the Parties agree to opt-out of its applicability pursuant to its provisions.

CONSENT TO ELECTRONIC DELIVERY

By accepting this Agreement, you consent to electronic delivery of all information, communications and documents relating to your policy and account, including, but not limited to, policy, billing, renewal and cancellation documents, by:email at the email address supplied by you, posting the communication on a website where it can be viewed and printed by you, sending you an email with a hyperlink with access to a website where the communication can be viewed and printed by you, or directing you to a website where the communication can be printed by you. You agree that all such electronically delivered information, communications and documents will have the same legal status, to the extent permitted by law, as paper documents. You acknowledge that such delivery will be effective delivery for the purpose of any applicable rules whether or not you access or review such communication.  If you do not agree to access and retain information, communications and documents electronically, we will not be able to process your transaction and you cannot complete your insurance application online.

It is your responsibility to provide us with a valid and active email address. You may update your email address by logging into your account at www.droneinsurance.com or our mobile applications.

Your consent for us to use your electronic signature and to receive communications and documents electronically applies to all of our products you currently own and all products you may purchase from us in the future and continues after a policy modification or renewal.Documents will be available online during the coverage period and any additional time periods as required by applicable laws. However, documents will not be available online indefinitely, so please save the documents to your computer or print them off to retain copies for your records. 

Withdrawing Your Consent: You also agree that your decision to receive information, communications and documents from us electronically is voluntary but can be revoked by you at any time by contacting us at policy@acend.io. By revoking your consent, you acknowledge and agree that we may impose charges or fees for the delivery of paper copies of documents that could have been sent to you electronically.

To access all documents provided to you electronically, you must have the following:

*A personal computer with internet access and one of the following operating system web browser combinations installed:

1)Microsoft Windows 7 or higher with:
a) Microsoft Internet Explorer 10 or higher
b) Mozilla Firefox 20 or higher
c) Google Chrome 20 or higher

2)Microsoft Windows Vista or higher with:
a) Microsoft Internet Explorer 10 or higher
b) Mozilla Firefox 20 or higher
c) Google Chrome 20 or higher

3)Microsoft Windows XP Professional SP3 or higher with:
a) Microsoft Internet Explorer 9 or higher
b) Mozilla Firefox 20 or higher
c) Google Chrome 20 or higher

4)Apple Mac OS X 10.6 (Snow Leopard) or higher with:
a) Apple Safari 5 or higherMozilla Firefox 20 or higher
b) Google Chrome 20 or higher

*The ability to receive e-mail that contains hyperlinks to websites in order for us to deliver information to you.
*Software which permits you to receive, print and accessPortable Document Format or "PDF" files, such as Adobe AcrobatReader®. If you do not have such software, click HERE to download a free version ofAdobe Acrobat Reader®.
*Sufficient electronic storage capacity on your computer's hard drive or other data storage unit or the ability to printPDF files from your computer or tablet device. 

If you are unable to download, view, and/or print these documents, or you do not consent to electronic delivery, please contact us at policy@acend.io or 800-844-6208 for assistance. 

An Internet service provider may occasionally experience system failure, and hyperlinks may fail to function properly. We are not responsible for any errors or failures caused by any malfunction of your computer, browser or software, any computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of email notices.You could incur expenses from your Internet service provider when you access information and documents online. These costs are your responsibility. 

STATE SPECIFIC PROVISIONS REGARDING ELECTRONIC DELIVERY

Residents of Georgia Only

You consent to the following:I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES.

Residents of Kentucky and Tennessee Only

By consenting to this Agreement, you, the policyholder, elect to allow for policies, notices and communications to be sent to the electronic mail address provided by you and you should be aware that this election operates as consent by you for all notices to be sent electronically, including notice of nonrenewal and cancellation. Therefore, you, the policyholder, should be diligent in updating the electronic mail address provided to the Company in the event that the address should change.

PAYMENT

Payment for certain insurance products available on our Sites may be made with selected credit cards. These payments are processed by a third-party payment processing service (“Payment Service”). Any payment made using the Payment Service will be deemed complete only when:

(a) you have submitted your name and the details of a current and valid credit card of a type that the Payment Service accepts, and all other information required by the Payment Service (the “Information”);

(b) all Information from you has been received by the Payment Service;

(c) a charge against your selected credit card has been made; and

(d) we have received full payment for all applicable amounts due for the policy.

IF ANY PAYMENT IS REVERSED OR DISHONORED FOR ANY REASON WHATSOEVER, NO PAYMENT WILL BE DEEMED TO HAVE BEEN MADE TO US, AND WE MAY RESCIND OR CANCEL YOUR POLICY IN ACCORDANCE WITH ITS TERMS.

By providing and submitting the Information you warrant that:

(a)we are authorized to use the Information to request and obtain payment from your credit card issuer;

(b)the credit card is issued in your name and that you are authorized to incur charges against it; and

(c)the Information you have provided is accurate and complete.

We may, in our sole discretion and at any time, change the credit cards or other payment methods that we accept.

We make no warranties, representations or guarantees that the Payment Service will operate as intended, remain secure, or that its operation will be continuous or be uninterrupted. All implied terms, conditions and warranties regarding the functionality and security of the Payment Service are disclaimed to the fullest extent possible.

CHANGES

We reserve the right to modify our Terms (including this Agreement) at any time and for any reason. You understand and agree that your continued use or access of our services after any such modifications are made signifies your acceptance of the updated or modified Terms.We will notify you of material changes to these Terms by either sending a notice to the email address you provide to us or by posting a notice on www.droneinsurance.com.Be sure to return to www.droneinsurance.com periodically to review the most current version of these Terms.

FRAUD STATEMENTS

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects that person to criminal and civil penalties (In Oregon, the aforementioned actions may constitute a fraudulent insurance act which may be a crime and may subject the person to penalties). (In New York, the civil penalty is not to exceed five thousand dollars ($5,000) and the stated value of the claim for each such violation).  (Not applicable in AL, AR, AZ, CO, DC, FL, KS, LA, ME, MD, MN, NM, OK, PR, RI, TN, VA, VT, WA and WV).

APPLICABLE IN AL, AR, AZ, DC, LA, MD, NM, RI and WV

Any person who knowingly (or willfully in MD) presents a false or fraudulent claim for payment of a loss or benefit or who knowingly (or willfully in MD) presents false information in an application for insurance is guilty of a crime and may be subject to fines or confinement in prison.

APPLICABLE IN COLORADO

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the department of regulatory agencies.

APPLICABLE IN FLORIDA and OKLAHOMA

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony (In FL, a person is guilty of a felony of the third degree).

APPLICABLE IN KANSAS

Any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act.

APPLICABLE IN MAINE, TENNESSEE, VIRGINIA and WASHINGTON

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

TERRORISM RISK INSURANCE ACT

You are hereby notified that under the Terrorism Risk Insurance Act, as amended (‘the Act’), you have a right to purchase insurance coverage for losses resulting from acts of terrorism. As defined in Section 102(1) of the Act: “The term “act of terrorism” means any act or acts that is certified by the Secretary of the Treasury — in consultation with the Secretary of Homeland Security, and the Attorney General of the United States — to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS, UNDER THE FORMULA.

THE UNITED STATES GOVERNMENT GENERALLY PAYS A PERCENTAGE (85% THROUGH 2015; 84% BEGINNING ON JANUARY 1, 2016; 83% BEGINNING ON JANUARY 1, 2017; 82% BEGINNING ON JANUARY 1, 2018; 81% BEGINNING ON JANUARY 1, 2019; AND 80% BEGINNING ON JANUARY 1, 2020) OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT.

 YOU SHOULD ALSO KNOW THAT THE ACT, CONTAINS A PROGRAM CAP OF $100,000,000,000 THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS’ LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS THE PROGRAM CAP. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEEDS THE PROGRAM CAP, YOUR COVERAGE MAY BE REDUCED.

PREMIUM FOR TERRORISM INSURANCE COVERAGE (which is in addition to the “Total Premium”, and is subject to any applicable state taxes and surcharges) IS $Zero.

LEGAL EFFECT

By consenting to this Agreement, you agree to be bound by the terms and conditions herein, and acknowledge and agree that you consent to receiving all communications and documents electronically, and to the use of electronic records and signatures in connection with your transactions with the Company in place of written document and handwritten signatures.Further, you agree that you have computer hardware and software that meets the requirements listed above.If you consent, accept or agree to these Terms on behalf of a company or other legal entity named in your account, you represent and warrant that you have the authority to bind that company or other legal entity to this Agreement.

This Agreement and any dispute arising from this Agreement, or the subject matter hereof, shall be shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, excluding that body of law applicable to conflicts of law. You agree that any suit, action or proceeding arising out of or relating to this Agreement shall be instituted only in a state or federal court sitting in Suffolk County, Massachusetts. You hereby waive any objection you may have now or hereafter to the laying of the venue of any such suit, action or proceeding, and irrevocably submit to the jurisdiction of any such court in any such suit, action or proceeding. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed to reflect the parties’ original intent, and the remaining portions shall remain in full force and effect. 

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