Purchase Agreement


Purchase Agreement
Please Read This To Be Aware of Your
Rights and Responsibilities
When you complete your purchase, you, the Buyer, are claiming that you have read, accepted, and fully understand the terms of this Agreement and/or Contract, to include our Refund Policy. 
This Agreement is a Contract. Under the terms of the Contract you receive certain rights due you from the Seller (named as: ACE Financial Group Ltd, ACE Fin, ACEgrp ltd, or similar), and you, in return, give the Seller certain rights that affect you. This Contract also contains provisions that delineate and restrict your rights about Refund and Warranty and the Limit of Liability of the Seller.
You must accept these Terms or the Seller will not transact business with you or sell a product, or service to you, and your order will not be processed. It is automatically assumed by both parties that all provisions, limitations, exclusions, and details of this Agreement and/or Contract are agreed upon by both parties when you apply for Coverage and purchase a Policy with ACE Financial Ltd.
Your pledge of an understanding of this Contract and acceptance of the Rights, Duties, and Limitations embodied in it, is a material part of the Legal Consideration that the Seller requires from you as a condition of sale.
The parties to this agreement are the website or its owners named as ACE Financial Group Ltd, hereafter "SELLER," and you, the prospective purchaser, hereafter "BUYER". Persons or entities who are not participants in this contract but who have an indirect relationship, such as a supplier, joint venture partner, membership organization, or sales affiliate, are herein described as "THIRD PARTY OR THIRD PARTIES."   The recipient of the product herein sold, where said product is ordered by and paid for by someone other than the recipient, is classified herein as if that recipient were the ordering BUYER with the same rights, duties, and obligations as the BUYER, but may also be referred to herein as 'RECIPIENT".
The subject matter of this agreement is a product, service, or membership described in promotional or sales materials on this website and/or in an email referencing this website, and said website and/or email and its contents are incorporated herein by reference and made a part hereof and constitute a complete description of the product, or service that is the subject matter of this Purchase Agreement. This bundle of offerings, including additional items promoted on the order page, shall, together, be termed 'product' throughout this agreement but the word 'product' shall mean all elements offered in the sale, whether digital, dimensional, or other license or right, and include all sales or promotional materials.
The product referenced herein is sold with a thirty (30) day refund or monthly pro-rated refund thereafter.
The Buyer must pay the full annual consideration (or a preset payment plan, if offered) for this product that the Seller requires as the total price of the product. This consideration includes not only the purchase price, but other obligations that the Buyer accepts as well as potential rights the Buyer agrees to forego.   By accepting this Purchase Agreement, the Buyer agrees to receive continuing follow-up contact from the Seller including email, mail, newsletters, product updates, product recall notices, product improvements, telephone calls from the Seller and/or agency appointed by them for the purpose of solicitation related to any product or service offered by them.   Buyer agrees to post-sale contact from joint venture partners of the Seller or from others who have a commercial relationship with the Seller. Buyer agrees that all personal information about the buyer or his or her buying habits and preferences, including address and phone number, may be placed in a private company general database and agrees that this information may not be shared, rented or sold to third parties.   Buyer shall at all times be fully empowered to sever contact with the Seller by notification using the 'unsubscribe' link in solicitations. Moreover, the Buyer retains the right to refuse specific contact with any party and maintain it with others. The Buyer does not retain the right to have his or her name removed from the company’s private, general database. The Buyer's agreement to accept contact may be reduced, enhanced, limited or terminated by notification to the company by the Buyer.  The burden is on the Buyer to prove that such communication was made to and received by the person making contact. Buyer agrees that Seller is not liable for communications made to the Buyer by parties unrelated to this purchase even though referred by the Seller. Buyer accepts full responsibility for limiting unsolicited contact and Buyer understands that he retains all rights to directly restrict communication or solicitation from any party including the Seller.
The Buyer agrees to allow the Seller to collect, store, and use for private marketing purposes all information collected from, provided by or otherwise ascertained by electronic means from the Buyer unless otherwise described in their Privacy Policy. The Buyer, specifically, and as part of the consideration paid for this product, waives all right to access, retrieve, or control such information except that the Buyer retains the right to restrict contact as described previously.
The Buyer understands that cookies may be placed on his or her hard drive that will provide information to the Seller and which are necessary for delivering an e-product and which will be able to determine if you retain the right to access the product. Buyer understands that these cookies or other computer codes will reside on the hard drive and will communicate at times with the Seller's computer and thereby transmit and receive information.
Buyers living in locations that require custom duties and/or VAT taxes to be collected understand that, unless custom duties are collected at the point of sale by the Seller, the Buyer remains responsible for payment of custom duties and taxes at the time the product is received. If it should happen that the Seller's courier or freight account is charged for custom duties and tax, instead of the Buyer paying referenced charges, then the Buyer hereby authorizes the Seller to bill the Buyer's credit card for said charges or for the return of goods if they are refused at the point of destination.
Buyer warrants that he or she is over 18 years of age, not subject to the Child Online Privacy Act, of legal age to enter into contractual agreements in the state in which he is present when he makes this purchase, and is the true and authorized owner of the credit card used to make this purchase. Any Buyer who violates any of these requirements may be liable for civil or criminal prosecution and agrees to pay liquidated damages of an amount the equivalent of $10,000 US per fraudulent transaction, plus actual damages, and agrees that all information collected by this website may be used for prosecution and may be turned over to law enforcement agencies or to credit card companies and merchant service providers.
If the true and/or authorized owner of the credit card attempts to commit fraud upon the Seller, he authorizes each and every credit card company or merchant service provider to disclose to the Seller all information that could be construed as proof of credit card fraud. Seller has the full right, but not the responsibility, to contact any buyer with regard to verification of the validity of any credit card transaction, to include the verification of cardholder’s approval of purchase, whether the name matches the Policy Holder or not. All credit card purchases will require information regarding the cardholder’s name, email and phone number for these verification purposes.
Any Buyer who attempts to perpetrate a fraud upon Seller involving the use of a credit card herewith gives authorization for the Seller to access all credit information about the Buyer from credit reporting agencies and also authorizes the Seller to discover all relevant information from any source about the fraudulent practices of the Buyer and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.
Buyer agrees that if he uses trickery to receive more than one refund or referral fee, or if he causes a fraudulent dispute claim that results in a chargeback against the Seller's account, that the Seller is authorized to re-charge the Buyer's credit card that was used for the original purchase to the extent that will make the Seller whole. Buyer agrees to, in addition to actual damages, pay to the Seller liquidated damages of an amount equivalent to $10,000 US for every separate fraudulent action Buyer commits.
This product is sold 'as is' without warranty or guarantee of any kind. There are no guarantees or warranties that any claim, referral, affiliate fee, or refund will be paid. All payments made are based on the amount of funds available (if any) in the business operating accounts and General Reserve Fund. All claims, referrals and refunds will be processed in the order received regardless of whether or not funds are available. When or if funds become available in the future to meet a claim, referral, affiliate fee, or refund, the payment will be made, if it is made within the provisions of the Policy. The ACE risk sharing program is not accredited by CAJPA and has no recognition status with AGRiP.
Buyer agrees to accept all risk associated with the use of this product, including but not limited to, the use of the product personally or in business, all taxes and regulations applicable to this product, any grievance, fines, any action taken or reprimand from any sponsoring company, all legal compliance issues related to this product. Buyer warrants an understanding that the Seller is disclaiming all liability from harm of any kind or nature caused directly or indirectly from this product. Buyer agrees, as part of the consideration required to purchase this product, to carefully read, review and test this product during the refund period, and to immediately request a refund if the product is not satisfactory.
Buyer warrants an understanding, as required consideration, that the Seller of this product disclaims all liability for the product or damages resulting from use or installation or reliance upon this product for any reason. Buyer alone accepts full responsibility for allowing others to use this product. Buyer understands that Seller disclaims liability for any information contained in sales or promotional materials or the product itself that is unintentionally misleading or incorrect that might cause damage to Buyer.
Buyer expressly waives any and all claims for consequential, speculative, and unforeseeable damages resulting from the purchase or use of this product or from subsequent contact with Seller, Sponsoring or Affiliated Companies, or Third Parties.
Buyer expressly agrees that no matter what may happen because of his or her purchase of this product, or no matter what damage may be allegedly or actually caused by the use of this product, or no matter the harm or damage that may result directly or indirectly from the purchase of this product, for any reason whatsoever, that the absolute maximum extent of Seller's liability shall be an amount no greater than the purchase price of the product. 
Buyer agrees and understands that, Seller, specifically but not exclusively, disclaims liability for all damage to Buyer's person, product, or business by using this product, including harm to buyer's computer hardware or software from worms, viruses, or other defects in the product or computer codes that cause harm. Seller disclaims liability for Buyer's interaction with any Third Party soliciting agents who say they were provided 'leads' by the Seller. Seller disclaims liability for Buyer's interactions with advertisers on the site. Seller disclaims liability for Buyer's interaction with other visitors or members of the website.
The Seller makes no claim to, and accepts no liability for, the acceptability or compliance of this product to any third party. Buyer may find that some third parties will accept this as valid, effective, complete and adequate Coverage, and others may not. It is the sole responsibility of the Buyer to ensure that any third party needing receipt, or proof of this Coverage will do so in full understanding of its provisions, coverages, limitations, and exclusions according to the Policy Outline. Seller retains no responsibility or liability of any misunderstanding, misconception, or lack of knowledge regarding their Policies to any third party.
Buyer agrees that the Seller's total liability, even for erroneous product content that causes damage to the Buyer, shall be limited to the remaining monthly pro-rated purchase price paid for the product.
Buyer agrees that the Seller's total liability, even from harm caused to the Buyer or to others from use of the product, shall be limited to the remaining monthly pro-rated purchase price paid for the product.
Buyer agrees that the Seller's total liability, for any other injury, harm, or tort of any kind, whether foreseeable or unforeseeable, shall be limited to the remaining monthly pro-rated purchase price paid for the product.
Buyer understands that some states do not allow limitation of liability.
If claims about results from using this product or if claims about income or earnings resulting from the use of this product are made, such claims are true for the persons who made the claims, including claims made by the Seller about its own experience with the product.
However, Buyer cannot simply rely on these statements as being duplicable by Buyer because many factors affect results, including luck or chance. Some people buy this product to make money and, in fact, make no money. Some people buy this product to save money and protect themselves from future loss or Claim, and in fact, do not save money or protect themselves from a future loss or Claim. Some people buy this product and never read or use it. Nothing promoted on this website should be construed as any type of scheme.
If the product Buyer is purchasing is a non-physical product promoted for a particular purpose and if the promotional materials make claims about the results from the use of this product, Buyer hereby warrants his understanding that there exists some probability that the product will not deliver those same results to any particular Buyer and that the refund of the purchase price is the full remedy for any Buyer who feels the product did not deliver the results claimed.
If the product Buyer is purchasing is a membership or a product ‘policy’ that claims to produce specific benefits or results or that otherwise involves a recurring fee, the Buyer has a right to terminate the membership or ‘policy’ upon notice to the Seller. In this case, the promotional materials describing the membership and the ‘policy’ and the remedy for dissatisfaction shall be controlling. If the promotional materials say that part of a fee is not refundable, then it is not.  
Where this disclaimer and claims made in sales and promotional materials or the products are in conflict, this Purchase Agreement shall be controlling except, and unless, the Seller deliberately misled the Buyer or if such construction would cause material inequity. The sole burden is on the Buyer to substantiate any deliberate deception. Buyer accepts the obligation to reimburse the Seller for all court costs, investigation costs, attorney fees, and all litigation-related costs in the event Buyer brings suit against the Seller and does not prevail in court or at arbitration.
No warranties are made whatsoever about the amount of money, if any, that Buyer will earn from this material or product or service and Buyer warrants an understanding that Buyer's only course of action is to test this product and material for the extent of the refund period and request a refund if Buyer is not satisfied prior to its expiration.
Buyer, again, warrants an understanding that in any event, for any reason, no matter the amount of damages claimed, as a material part of the consideration for purchase of this product, the maximum amount of liability shall be the remaining monthly pro-rated purchase price of the product.
Buyer expressly accepts the terms of this Purchase Agreement of Seller's website.
Buyer expressly accepts the terms of the Privacy Policy of Seller's website.
Buyer expressly accepts the Terms of Use of the Seller's website.
Buyer agrees that Seller may publish for commercial purposes the full or partial content of any and all communication with Buyer at the Seller's sole discretion.
Buyer agrees to indemnify Seller for any and all damage that Buyer causes by using the product or information contained on this website that results in a damage award against the Seller.
Buyer agrees that the Seller has the right to discontinue the product, the service, and the membership at any time without notice.
Buyer understands that the Seller may discontinue customer service, website, telephone, email, live chat, affiliate programs, and claims service on a product or service at any time without notice.
Buyer understands that the Seller may discontinue their company and its operations, to include the validity, renewability, and future Claim ability on any product or service at any time without notice. If this were to occur all Policiess sold would then be null and void, no longer valid for use or Claims. Refunds would only be given on a prorated basis for those Buyers that specifically request a refund in writing, and only if funds are available in the General Reserve Fund or company business operating accounts. There is no guarantee of any claim or refund, affiliate, or referral fee will be paid.
You are entering into a contract that may modify, restrict, or eliminate rights you may have under the California Online Privacy Protection Act of 2003 (OPPA). Under the Privacy Policy and this Purchase Agreement you waive any right to view or modify the content of our database. You waive any right to force this business or website to divulge when or to whom your information may have been provided to third parties. In the event the website elects at its sole discretion to release information to you, you must clearly identify yourself to the website as the named customer who has previously purchased from the website. We are doing this to protect information being inadvertently provided to fake customers who may have intentions to harm the real customer. The required identifying information may include credit card info, social security numbers, notarized copies of state issued id, or other id sufficient to allow our counsel to feel comfortable about releasing information – in the event we elect to divulge it at all. Additionally, this purchase agreement, as part of the consideration required to purchase from this website, requires that you agree to use the American Arbitration Association exclusively in any claim arising from the Terms of Use, Privacy Policy, or Purchase Agreement, and not the courts of the state of California. The customer also agrees, as part of the required consideration, that any cause of action is presumed to have arisen in the city and county of this business or website, not in the state of California, unless the website is located there, and not in the jurisdiction where the customer resides.
As part of the consideration that the Sellers requires, Buyer agrees to use binding arbitration for any claim, dispute, or controversy ("Claim") of any kind (whether in contract, tort or otherwise) arising out of or relating to this purchase, this product, including solicitation issues, privacy issues, and terms of use issues.
Arbitration shall be conducted pursuant to the rules of the American Arbitration Association, which are in effect on the date a dispute is submitted to the American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605. Hearing will take place in the country of the Seller.
In no case shall the Buyer have the right to go to court or have a jury trial. Buyer will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will be final and binding with limited rights of appeal.
The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, Buyer agrees to that the sole and proper jurisdiction to be the country declared in the Terms of Use contact information of the web owner, unless otherwise here specified. In the event that litigation is in a federal court, the proper court shall be the closest federal court to the Seller's address.
Buyer agrees that the applicable law to be applied shall, in all cases, be that of the country of the Seller.
Buyer herewith agrees to receive Notice of Changes, Litigation, Service of Process, Cancellation, Termination, and Modification of service or product at the email address provided to Seller on the ordering page.   Further, Buyer agrees that the right to contact Buyer concerning legal notice shall not be terminated by previously submitted 'unsubscribed' notices and specifically agrees that any notification to cease contact shall not be binding upon the Seller in regards to Notice of Change, Litigation, Service of Process, Cancellation of Product or Service or Membership or Subscription, Termination of a program, product or website, or Modification of the terms of service or product. Additionally, the Buyer grants Seller irrevocable right to contact him or her via mail or telephone concerning any of these issues irrespective of other rights the Buyer has to sever contact with Seller.
ACE Financial does not offer an insurance product, but a very effective alternative to insurance by using a risk-sharing group of like-minded industry professionals. We protect our own family by grouping together these low-risk professionals in a policy that is designed and customized to protect them in an honest, practical, cost saving manner. This allows ACE Financial to offer one of the lowest rates in the industry. This risk-sharing method has legally and effectively been used for hundreds of years successfully with farmers, churches, many other professions and governmental agencies.
The prevailing party to any arbitration or litigation will be entitled to collect attorney fees and all other costs of the arbitration or litigation, including filing fees, investigation fees, collection fees, and travel expenses from the other party.
This Purchase Agreement between the Seller and this Buyer cannot be modified by the Buyer in any manner unless modifications are made in writing and signed by both parties. However, the Seller may modify this Purchase Agreement at any time for the Buyer/Buyers without notice to the Buyer. It is the sole responsibility of the Buyer to maintain complete and updated knowledge of any changes that have been made to this agreement, other agreements, website or Policy.
In the event that some provisions, terms, conditions of the Purchase Agreement are held to be invalid or unenforceable, the remainder of the provisions that are enforceable shall control. Additionally, Buyer and Seller agree that, if any provision is found to be invalid or unenforceable, the arbitrating panel will construe such provision to the maximum extent that it might be found to be valid or enforceable.
The Seller's waiver (failure to enforce) any term of this agreement shall not be construed as a modification or an amendment to this agreement or constitute a waiver of other breaches.
The Seller of this product is:
ACE Financial Group Ltd
By taking the affirmative step of purchasing of a product, service, or membership, you, the Buyer, attest that you have fully read, understand, and accept the terms of this Purchase Agreement contract, and warrant to the Seller that said affirmative digital acceptance on your application shall be deemed to be the same as if you had affixed your signature to this Purchase Agreement contract.

Copyright © 2010-2024 ACE Financial Group Ltd. All rights reserved.