TERMS OF SERVICE
Homes & Villas by Marriott Bonvoy Terms of Service
Effective Date: April 30th, 2019IMPORTANT NOTICE: THESE HOME & VILLAS BY Marriott Bonvoy TERMS OF SERVICE CONTAIN A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER. IT AFFECTS YOUR LEGAL RIGHTS AS DETAILED IN THE ARBITRATION AND CLASS ACTION WAIVER SECTION BELOW. PLEASE READ CAREFULLY.
Welcome to Homes & Villas by Marriott Bonvoy, Inc. (“HVMI”)
These HVMI Terms of Service (“Terms”) are a legally binding contract between you and Marriott Bonvoy, Inc. with its corporate headquarters at 10400 Fernwood Road, Bethesda, Maryland 20817-1102, United States of America, and its subsidiaries, (collectively, “Marriott”, “we”, “our” or “us”). These Terms govern your use of the HVMI website (the “Platform”) in order to book a short-term rental of a home that is provided through the Platform (the “Services”). These Terms also apply to translations of the Platform. The Platform is controlled and operated from the United States and is subject to United States law.
AGREEMENT TO TERMS
By using the Platform, you are accepting all the terms and conditions set forth in these Terms. If you do not agree to each and all of these terms and conditions please do not use the Platform and our Services. We reserve the right, at our discretion, to change and or modify these Terms at any time without notice and, unless otherwise indicated, such changes will become effective immediately upon posting; therefore, please check these Terms periodically for changes. We will display the effective date of these Terms at the top of this page.
THE PLATFORM AND THE SERVICES
The Platform and Services provide a home rental offering by Marriott whereby you may browse listings for homes (a “Home” or the “Homes”) and book short term rentals of such Homes through the Platform. Marriott has relationships with local property management companies (individually, a “Property Management Company” and collectively, “Property Management Companies”) who manage your booking, the Home, and provide support to you during your stay at a Home. Marriott does not own, lease or manage the Homes.
As the provider of the HVMI Platform, Marriott does not own, create, control, or manage any Home or Home listings. Property Management Companies are responsible for the Homes and the accuracy of their Home listings.
You may book a Home through the Platform by following the booking process. All applicable fees, including the rental fee, security deposit (if any), guest fees and any applicable taxes unless otherwise specified (the “Booking Fees”) will be provided to you prior to booking a Home. You agree to pay the Booking Fees, subject to your rights to cancellation, which shall be outlined in your reservation confirmation. For bookings that require a security deposit, the Property Management Company is responsible for collecting and refunding the security deposit at its sole discretion. Marriott assumes no responsibility or liability should a dispute arise between you and the Property Management Company regarding the collection or refund of a security deposit.You agree that Marriott may utilize third party service providers to facilitate the booking process including without limitation the processing of any payments. Payment processing shall be subject to such third party’s terms of service, user agreement, and other policies, and Marriott is not responsible or liable for such payment processing services.In the case of multicurrency pricing, Marriott will disclose the applicable foreign currency exchange rate and any currency conversion fees and/or mark-up applicable to the transaction.Japan: The Property Management Company (PMC) “Agency” contract with the guest complies with the Japanese Private Lodging Business Act and their template Agency agreement is available on their website.
PROPERTY MANAGEMENT COMPANIES
When you book a Home through the Platform, a Property Management Company will manage your booking and provide additional support to you during your stay at the Home. In order to provide those services, your information (and that of your guests) will be shared with the relevant Property Management Company and, if necessary, with third parties who perform services for them, such as cooking, cleaning, maintenance, transportation and similar services. Each Property Management Company is independent from, and not affiliated with, Marriott. The collection, use and sharing of your information by the Property Management Companies will be governed by their privacy policies. To the extent that you enter into a rental agreement, contract or other agreement with a Property Management Company, you understand and acknowledge that Marriott is not (and will not become) a party to any of those agreements. You agree that you may be required to enter into separate terms, waivers, or other agreements in connection with your booking of a Home through the Platform. If you are booking a Home on behalf of additional guests, you agree that each additional guest is aware of these Terms and the terms of any rental agreement or other agreements that you enter into in order to book the Home. If any of your guests are minors, you agree that you have the authority to act on behalf of the minor(s).
The following Property Management Companies fall under the Israeli Consumer Protection Law, 1981 ('CPL')
- Company name: Sea N Rent Ltd
- VAT /Business Registration: 515849131
- Date of incorporation: 22 May 2018
- Address: Retsif Herbert Samuel St 32, Tel Aviv-Yafo, 6330307, Israel
- Company name: Smiling House AG Mettlenstr.
- 16 CH-3780 Gstaad Switzerland
- Registration number: CHE- 106.568.222
PERSONAL LIABILITY WAIVER
In consideration for the opportunity and permission to participate in any recreational activity offered at a Home, you hereby RELEASE, WAIVE, DISCHARGE, AND COVENANT NOT TO SUE Marriott Bonvoy, Inc. and the applicable Property Management Company and their affiliates, and each of their respective officers, agents, and employees (“Releasees”) from any and all liability, claims, demands, actions, and causes of action whatsoever arising out of or related to any loss, damage, or injury, including death, that you may sustain, or that any of your property may sustain, while participating in any activity, REGARDLESS OF WHETHER THE LOSS IS CAUSED BY THE NEGLIGENCE OF THE RELEASEES and regardless of whether the liability arises in tort, contract, strict liability, or otherwise, to the fullest extent allowed by law. You understand that this Section will bind the members of your family and your heirs, assigns, and personal representatives.
The collection, use, sharing and other actions we take with respect to your information is described in our Privacy Statement, which may be updated from time to time. When you agree to these Terms, you are also acknowledging the provisions in that Privacy Statement.
In order to use the Platform, you must be an individual who is at least 18 years old or a duly organized, validly existing business or other legal entity in good standing under the laws of the country in which you are established and able to enter into legally binding contracts. Some Property Management Companies may have additional requirements on the minimum age of the primary occupant (as noted on the Home description page).
VERIFICATION OF GUESTS
To ensure the security of the Platform and the Homes, for fraud prevention purposes, and compliance with applicable laws, Marriott may in its sole discretion and consistent with applicable laws request that you provide information to verify your identity, such as a driver’s license or passport. In some jurisdictions Marriott or the Property Management Company is required by applicable law to collect such identity verification information and provide it to government authorities. Marriott or the Property Management Companies may perform additional background checks or obtain reports from public databases in order to verify your, or your guests’ identities.
The content and information displayed on the Platform are Marriott’s property and are collectively referred to as “Marriott Information”. The downloading, reproduction, or retransmission of Marriott Information, other than for non-commercial individual use, is strictly prohibited.
AVAILABILITY OF THE PLATFORM AND SERVICE
The Platform is provided via the Internet and Marriott does not guarantee the continuous and uninterrupted availability of the Platform or the Services. The Platform may not be available as a result of maintenance, capacity limits or for any other reasons in Marriott’s sole discretion.
The Platform may contain or reference trademarks, patents, copyrighted materials, trade secrets, technologies, products, processes or other proprietary rights of Marriott, our affiliates, and/or other parties. No license to or right in any such trademarks, patents, copyrighted materials, trade secrets, technologies, products, processes and other proprietary rights of Marriott, our affiliates, and/or other parties is granted to or conferred upon you. The www.marriott.com site and/or certain activities provided via our Sites may be covered by U.S. Patent No. 6,091,956 and/or U.S. Patent No. 7,624,044.
You agree that you will not use any device, software or other instrumentality to interfere or attempt to interfere with the proper working of the Platform and/or the Services, and that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. In addition, you agree that you are not authorized to use any robot, spider, other automatic device, or manual process to monitor, scrape, or copy the Platform, the Services, or the Marriott Information contained therein, or any aspect of the Platform, the Services, or the Marriott Information, without the prior express consent from an authorized Marriott representative (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to the Platform). You further agree not to claim that such access is authorized. Furthermore, you agree that you will not use the Platform and/or the Services for any purpose that is illegal, unlawful, or prohibited by these Terms. You agree that you will not interrupt, disrupt, alter, destroy, impair, restrict tamper, or otherwise affect the proper operation of the Platform and/or the Services in any way, including, without limitation, through the use of any malicious or unauthorized code, virus, worm, Trojan horse, malware, or program. You may not use the Platform and/or the Services in any threatening, libelous, slanderous, defamatory, obscene, inflammatory, pornographic, discriminatory, or otherwise offensive manner. We reserve the right in our sole discretion to revoke or deny your access to the Platform or use of the Services, including, without limitation, if you violate any of the provisions of these Terms.You agree that you will make only legitimate reservations in good faith for use by you and your invited guests only, and not for other purposes, including without limitation, reselling, impermissibly assigning or posting on third party websites, or making speculative, false or fraudulent reservations, or any reservation in anticipation of demand.
The Platform may provide you with the ability to use usernames, passwords, or other codes or devices to gain access to certain portions of the Platform (“Access Codes”). You are entirely responsible for maintaining the confidentiality of your Access Codes and for all activities that occur under your account. We reserve the right to immediately terminate your account in our sole discretion and without prior notice to you wherever there is a reason including, for example, if you violate any part of these Terms.
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM, SERVICES AND MARRIOTT INFORMATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR ANY GUARANTY OR ASSURANCE THAT THE PLATFORM, SERVICES, HOMES, AND/OR MARRIOTT INFORMATION WILL BE AVAILABLE, ADEQUATE, ACCURATE, UNINTERRUPTED, COMPLETE OR ERROR FREE. WE ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY MALICIOUS OR UNAUTHORIZED CODE AND YOU ARE SOLELY RESPONSIBLE FOR ENSURING YOU HAVE APPROPRIATE SCANNING AND PROTECTIVE MECHANISMS FOR THE SECURITY OF YOUR DEVICES, PROGRAMS AND INFORMATION. BY USING THE PLATFORM, SERVICES, AND/OR MARRIOTT INFORMATION, YOU ARE ASSUMING ALL RISK OF LOSS THAT MAY ARISE OR BE ASSOCIATED WITH THAT USE.To the maximum extent permitted by law, we, other members of our group of companies and third parties connected to us, including without limitation the Property Management Companies and their service providers and payment processors hereby expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Platform or in connection with the use, inability to use, or results of the use of the Platform, the Services, any websites or mobile applications linked to the Platform and any materials posted on them, 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 for 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, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.THE LIMITATION OF LIABILITY DESCRIBED ABOVE SHALL APPLY FULLY TO RESIDENTS OF NEW JERSEY.This limitation of liability does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability that cannot be excluded or limited under applicable law.
You shall defend us against any demands, claims or actions brought against us or arising as a result of any breach or violation of these Terms by you (“Claim”) and you shall indemnify and hold us harmless from and against any and all losses, damages, costs and expenses (including attorneys’ fees) resulting from any such Claim. We have the right, at our expense, to assume exclusive defense against any Claim and all negotiations for settlement and you agree to cooperate with us in the defense of any such Claim, at our request.
With respect to all communications you make to us regarding Marriott Information including but not limited to feedback, questions, comments, suggestions and the like (“Your Content”), you grant us the royalty-free, perpetual, irrevocable, worldwide, non-exclusive, transferable and sublicensable right to use, copy, display, reproduce, process, adapt, modify, publish, transmit, perform, display, distribute, and otherwise exploit Your Content, or any part thereof, for any purpose, in any format or medium now known or developed in the future in perpetuity. You agree that: (a) you shall have no right of confidentiality in Your Content and we shall have no obligation to protect Your Content from disclosure; and (b) we shall be free to use any ideas, concepts, know-how, content or techniques contained in Your Content for any purpose whatsoever, including but not limited to the development, production and marketing of products and services that incorporate such information. The above is limited only by our commitment and obligations pertaining to your personal information (for more information, please see our Privacy Statement).
TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS
Marriott Information may contain technical inaccuracies and typographical errors, including but not limited to inaccuracies relating to pricing or availability applicable to your transaction. Marriott assumes no responsibility or liability for any such inaccuracies, errors or omissions, and shall have no obligation to honor reservations or information affected by such inaccuracies. Marriott reserves the right to make changes, corrections, cancellations and/or improvements to Marriott Information, and to the products and programs described in such information, at any time without notice, including after confirmation of a transaction.
The loyalty program for Marriott is Marriott Bonvoy™ (hereinafter, the “Loyalty Program”). Guests who book Homes through the Platform are entitled to earn and use Loyalty Program points (“Points”) as set forth in these Terms and the Marriott Bonvoy Loyalty Program Rules and as described belowEARNING LOYALTY PROGRAM POINTS
REDEEMING LOYALTY PROGRAM POINTS
- You are eligible to receive Loyalty Program Points for all completed stays that are purchased through the Platform. To ensure Points are posted to the correct Loyalty Program member account, your account number must be entered correctly at time of purchase on the Platform. You must already be a member of the Loyalty Program or sign-up for the Loyalty Program prior to purchase in order to earn Points on purchases through the Platform.
- Charges that do not qualify for Points include taxes and fees applied to the Homes booked through the Platform, as well as add-on services purchased (e.g. incremental housekeeping, etc.).
- Points will only be awarded for purchases made through the Platform and will not be given for any associated partners that may be promoted within pre-arrival or in-stay experience.
- Elite night credit will be earned on purchases made through the Platform.
- Miles cannot be earned for purchases made through the Platform.
- Cancellations and no-shows are not eligible to earn Points.
- Points will not be issued on refunded purchases.
- Points will be awarded based on a value of 5 Points earned per qualifying $1 USD on all Qualifying Charges incurred.
- Elite Point bonuses, based on Elite tier, will be awarded in accordance with the Marriott Bonvoy Loyalty Program Rules.
- Elite status on-property benefits are not available for stays at Homes booked through the Platform.
- If you are purchasing on behalf of other party, Points will be distributed to the account that is entered at time of booking. Only one guest can earn Points on a single purchase order.
- All Loyalty Program Rules apply to purchases made on the Platform.
- Effective January 1, 2022, Qualifying Charges on completed Stays in a calendar year at Homes & Villas by Marriott Bonvoy will be applied to the Ambassador Elite annual qualifying spend.
LOOK NO FURTHER BEST RATE GUARANTEE NOT APPLICABLE
- A Member is eligible to redeem Points for Homes booked through the Platform at a ratio of 175.438596491 Points to every U.S $1 purchased (including fees, taxes).
- Bookings purchased with Points will need to have a minimum 3-day window from booking to check-in.
- If bookings are modified, Points will be reimbursed in accordance with the Home cancellation policy.
The Look No Further Best Rate Guarantee offered by Marriott Bonvoy, Inc. does not apply to the Platform.
Any use of the maps functionality on the Platform shall be governed by the Google Maps Platform Terms of Service. Marriott shall have no liability for your use of Google Maps or for any results, including driving directions, generated by Google Maps.
THIRD PARTY SITES
If you choose to leave the Platform via links to other third-party websites, including those of advertisers, these Terms and our Privacy Statement will no longer apply. We are not responsible for the terms of service or privacy policies of those third-party websites or the cookies or other tracking technologies they use. In addition, because we have no control over such third-party sites and resources, you acknowledge and agree that we are not responsible for the availability of such third-party sites or resources, and that we do not endorse or are responsible or liable for any content, advertising, products, or other materials on or available from such third party sites or resources.Sometimes Marriott provides referrals to third-party websites solely for the convenience of its guests. Marriott makes no representations or endorsements concerning the safety, accuracy, quality, standards or fitness of the services provided by these third-parties. Marriott is not responsible or liable, either directly or indirectly, for any loss or damage that is sustained from your use of these third-party services. Please refer to the terms and conditions and privacy provisions of the third-party, which govern your transaction. Marriott is not responsible for any aspect of these third-party services, and you assume all risks associated with the services.
These Terms and all disputes, claims or controversies (collectively, “Disputes”) between you and Marriott relating to these Terms, the Services, the Platform, or the Content, are governed by and shall be construed and enforced under the laws of the State of Maryland, USA, applicable to contracts executed and performed within Maryland, USA. For all claims not subject to the arbitration clause, you specifically agree and submit to the jurisdiction of the State and Federal Courts situated in the State of Maryland and stipulate to the fairness and convenience of proceedings in such courts for all disputes arising out of or relating to the use of the Platform and the Services. You will not object to jurisdiction or venue on the grounds of lack of personal jurisdiction, inconvenient forum or otherwise.
ARBITRATION AND CLASS ACTION WAIVER
- you have all rights necessary for you to grant the foregoing license of the Content to Marriott (including without limitation rights in any musical compositions and/or sound recordings embodied or embedded in the Content);
- all individuals appearing in the Content have given their consent to Marriott’s use of the Content for any lawful purpose;
- you recently stayed at the Marriott-curated home or villa for which you are providing a review, are the sole author of and owner of the intellectual property rights in the Content and shall be fully responsible for such Content;
- you are at least the age of majority in the jurisdiction in which you reside;
- the Content does not contain any confidential information
- the Content is not false, inaccurate or misleading;
- the Content does not contain personally identifiable information of any person other than yourself (including any Marriott representative), including first and last name, username containing first and last name, email address, physical address, or phone number;
- the Content does not criticize other posted stories or their authors;
- the Content, and Marriott’s use of the Content, does not infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy, or otherwise violate the rights of any third party;
- the Content, and Marriott’s use of the Content, does not violate any law, statute, ordinance or regulation;
- the Content, and Marriott’s use of the Content, is not, and may not reasonably be considered to be, obscene, abusive, threatening, indecent, defamatory, libelous, hateful, racially or religiously biased or otherwise offensive;
- the Content does not contains advertisements, "SPAM" or references to other services, products, offers or websites; and
- the Content does not contain any computer viruses, worms or other potentially damaging computer programs or files.
Marriott Bonvoy, Inc.
10400 Fernwood Road, Dept. 52/923
Bethesda, MD 20817
HOMES & VILLAS BY Marriott Bonvoy
Due to the nature of the Homes & Villas by Marriott Bonvoy, the following special conditions apply to their participation in the Loyalty Program:Earn points
- Members are eligible to receive Points for all completed stays in a home rental (a “Home” or the “Homes”) that are purchased through the website for Homes & Villas by Marriott Bonvoy (the “Platform”).
- To ensure Points are posted to the correct Membership Account, the Membership Number included at time of purchase on the Platform must be correct. Pursuant to Section 9.3, Members must already have a Membership Account or complete the Loyalty Program application (as described in 1.4.a) prior to purchase in order to earn Points through the Platform.
- Members will earn five (5) base Points for each U.S. dollar, or the currency equivalent, on all Qualifying Charges incurred and paid for by the Member through the Platform.
- Elite bonus Points based on the Member’s achieved Elite Member tier will be awarded on Qualifying Charges pursuant to Section 4.3.
- Elite Night Credit will be earned on completed stays booked through the Platform, whether it is paid for or purchased with Points.
- Charges that do not qualify for Points include taxes and fees (e.g. late cancellation fee, no-show fee) applied to the Homes booked through the Platform, as well as add-on services purchased (e.g. incremental housekeeping, etc.).
- Points will not be given for any associated partners that may be promoted within pre-arrival or in-stay experience.
- Points will not be issued on refunded purchases.
- Miles cannot be earned on purchases made through the Platform.
- For stays purchased through the Platform on behalf of another party, Points will be distributed to and the stay reserved under the Membership Account and name that is entered at time of booking. Only the Member who completes a stay can earn Points and Elite Night Credit on a single purchase order made through the Platform.
- Provided that the correct Marriott Bonvoy Membership Account Number is added as part of the booking process, Points will automatically appear in the Member's Account three (3) to six (6) weeks (21 – 42 days) following the completion of their stay.
- Members who use their Marriott Bonvoy co-branded credit card for purchases through the Platform will also receive their bonus Points in their Marriott Bonvoy Account at the same time.
- All Loyalty Program Rules apply to purchases made on the Platform.
- Effective January 1, 2022, Qualifying Charges on completed Stays in a calendar year at Homes & Villas by Marriott Bonvoy will be applied to the Ambassador Elite annual qualifying spend.
Cash + Points AwardsMembers can redeem their Points for “Cash + Points Awards” at Participating Properties when available. Participation in and availability of Cash + Points Awards are at the discretion of the Participating Property.
- A Member is eligible to redeem Points for Homes booked through the Platform at a ratio of 175.438596491 Points for each U.S. dollar purchased (including taxes and fees).
- Members have the flexibility to select the amount of cash and the amount of Points to be redeemed as combined payment for a stay in a Home booked through the Platform (“Cash & Points Payment at HVMI”).
- There are no fixed amounts of either cash to pay or Points to be redeemed. At least one thousand (1,000) Points are required for the Cash & Points Payment at HVMI.
- Members cannot use more Points than what they currently have in their Membership Account.
- Major credit cards and Points are the accepted methods of payment for Cash & Points.
- Marriott Gift Cards and Marriott Bonvoy Free Night Awards cannot be used as part of the Cash & Points Payment at HVMI.
- Members will earn Points on the cash portion of their Cash & Points Payment at HVMI once the stay is completed. Please note, Cash & Points Payment for Homes & Villas by Marriott Bonvoy is different from Cash + Points Awards at Participating Properties (see Section 3.4).
- Bookings purchased with Points or Cash & Points Payment at HVMI are eligible for earning Elite Night Credit.
- Bookings purchased with Points will need to have a minimum three (3) day window from booking to check-in.
- If bookings purchased with Points are modified, Points will be reimbursed in accordance with the Home cancellation policy.
- The following Award Redemption options are not available for Homes: Free Night Awards, Upgrade Awards, Stay for 5, Pay for 4 Awards, Cash +Points Awards, PointSavers Awards, Suite Night Awards, and Instant Redemption Awards
- Points Advance bookings are not available for Homes.
- The Stay for 5, Pay for 4 Award described in Section 3.2.f. does not apply to Cash + Points Awards.
- Members will not earn Points or Miles on the cash portion of Cash + Points Awards and Members are responsible for all applicable taxes and service charges associated with the cash portion of Cash + Points Awards.
- Members will receive one (1) Elite Night Credit for every night redeemed and stayed on a Cash + Points Award stay.
- An issued Cash + Points Award can be used at any Participating Property in the category for which the Redemption Award is valid, or at any lower level category Participating Property that has availability of the Cash + Points Award.
- The Cash + Points Award structure is subject to modification, cancellation or limitation at any time without notice at the discretion of the Loyalty Program.
- The Cash & Points Payment for Homes & Villas by Marriott Bonvoy is different from Cash + Points Awards and follows the Program Rules under Section 8.2.
Travel insurance is offered and sold by AGA Service Company dba Allianz Global Assistance, including in collaboration with Marriott Insurance Agency LLC in Hawaii, Kansas, Massachusetts, New York, and Wyoming. These insurance producers represent the insurer for purposes of the sale and will receive compensation as a result of the sale. Marriott Bonvoy, Inc. may also receive compensation from Allianz Global Assistance for allowing Allianz Global Assistance to market or offer products to its customers, depending on your state of residence.New York Residents: The compensation the producers receive may vary depending on a number of factors, including the policy selected, the producers' expenses, volume of business, or profitability. The purchaser may request and obtain information about the producers’ compensation, except as otherwise provided by law.Travel protection plans are subject to terms, conditions and exclusions. Plans include a waiver of the exclusion for pre-existing medical conditions if you meet the requirements listed in your plan; otherwise, the exclusion for pre-existing medical conditions will apply. All other terms, conditions, and exclusions apply. Travel protection plan charge includes the cost of insurance benefits and assistance services. For more information, see your plan details, or contact Allianz Global Assistance at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or email@example.com.Travel insurance plans include insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. The purchase of travel insurance is not required to purchase any other products or services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified or authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing insurance coverage. Travel insurance is intended for U.S. residents only and may not be available in all jurisdictions.California Residents: AGA Service Company is doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1800927-4357.Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Except as otherwise specified, Allianz Global Assistance is the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Any Non-Insurance Assistance services purchased are provided through Allianz Global Assistance. Except as expressly provided under your plan, you are responsible for charges you incur from third parties.