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ipa agreementprogram details



Terms of Use

Acceptance of Terms:

Actra Fraternal Benefit Society provides the Accident on Set insurance program website to you subject to the following Terms of Use. Please read these Terms of Use before using this site. By using this site, you signify your agreement with these Terms of Use. If you do not agree with any of the below Terms of Use, do not use this site. This website is being offered to producers, Actra Fraternal Benefit Society Members and others interested in the activities of the Society.

Actra Fraternal Benefit Society Privacy Policy:

As a general policy, no personal information is automatically collected from visitors to this site unless it is explicitly stated. For more information, please see our full Privacy Policy.

Individual Conduct:

You understand that all information, data, text, software, photographs, graphics, video, messages or other materials ("content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such content originated. This means that you, and not Actra Fraternal Benefit Society, are entirely responsible for all content that you upload, post, e-mail or otherwise transmit any content that: (a) is unlawful, defamatory, obscene, invasive of another's privacy, hateful, or otherwise objectionable; and (b) you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information ); (c) infringe any patent, trademark, trade secret, copyright or other proprietary rights ("rights") of any party; or (d) interfere with or disrupt the service or servers or networks connected to this site.

Actra Fraternal Benefit Society and its designees shall have the right to remove any content that is in violation or that it otherwise finds objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

You acknowledge and agree that Actra Fraternal Benefit Society may preserve content and may also disclose content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these terms of service; (c) respond to claims that any content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of Actra Fraternal Benefit Society, its users and the public.


You agree to indemnify and hold Actra Fraternal Benefit Society, and affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post to or transmit through the service, your use of the service, your connection to the service, your violation of the terms of service, or your violation of any rights of another.

No Resale of Service:

You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Actra Fraternal Benefit Society website.

General Practices Regarding Use and Storage:

You acknowledge that Actra Fraternal Benefit Society may establish general practices and limits concerning use of the website, including without limitation the maximum number of days that e-mail messages or other uploaded content will be retained, the maximum number of e-mail messages that may be sent received by an account holder on the service, the maximum size of any e-mail message that may be received from an account holder on this site, the maximum disk space that will be allotted on Actra Fraternal Benefit Society's servers for this website and the maximum number of times (and the maximum duration for which) you may access the site in a given period of time. You agree that Actra Fraternal Benefit Society has no responsibility or liability for the deletion or failure to store any messages and other communications maintained by this site. You acknowledge that Actra Fraternal Benefit Society reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that Actra Fraternal Benefit Society reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.


Actra Fraternal Benefit Society reserves the right at any time to modify or discontinue, temporarily or permanently, the service (or any part thereof) with or without notice. You agree that Actra Fraternal Benefit Society shall not be liable to you or to any third party for any modification, suspension or discontinuance of the service.


You agree that Actra Fraternal Benefit Society, in its sole discretion, may remove and discard any content within this site, for any reason, including, without limitation, for lack of use or if Actra Fraternal Benefit Society believes that you have violated or acted inconsistently with the letter or spirit of the terms of use. Actra Fraternal Benefit Society may also in its sole discretion and at any time discontinue providing this website, or any part thereof, with or without notice. You agree that any termination of your access to this site may be effected without prior notice, and acknowledge and agree that Actra Fraternal Benefit Society may immediately deactivate your access. Further, you agree that Actra Fraternal Benefit Society shall not be liable to you or any third-party for any termination of your access to this site.

Actra Fraternal Benefit Society's Proprietary Rights:

You acknowledge and agree that this site and any necessary software used in connection with providing this website ("software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that content contained in any partnership information and presented to you through this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Actra Fraternal Benefit Society, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on this site or the software, in whole or in part.

Disclaimer and Warranties:

The general information provided in this website is provided solely for informational purposes only. To the extent that this material contains or describes the benefits available through Actra Fraternal Benefit Society, it is your responsibility to ensure that the material you use is valid (i.e. current, applicable and accurate) by reference to the printed versions of the material.

If any discrepancies between the information on this website and the legal document or contract, such as an insurance contract, exist the terms of the legal document or contract shall apply.

You expressly understand and agree that:
(a) Your use of this website is at your sole risk. The website is provided on an "as is" and "as available" basis. Actra Fraternal Benefit Society expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
(b) Actra Fraternal Benefit Society makes no warranty that;

(i) the site will meet your requirements,
(ii) the access will be uninterrupted, timely, secure, or error-free,
(iii) the results that may be obtained from the use of the service will be accurate or reliable,
(iv) the quality of any products, services, information, or other material purchased or obtained by you through the site will meet your expectations, and
(v) any errors in the software will be corrected.

(c) Any material downloaded or otherwise obtained through the use of the site is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
(d) No advice or information, whether oral or written, obtained by you from Actra Fraternal Benefit Society or through or from the service shall create any warranty not expressly stated.

Limitation of Liability:

You expressly understand and agree that Actra Fraternal Benefit Society shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, good will, use, data or other intangible losses (even if Actra Fraternal Benefit Society has been advised of the possibility of such damages), resulting from: (i) the access or the inability to access this site; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from this site; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

Exclusions and Limitations:

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages.


The Actra Fraternal Benefit Society and Accident on Set program logos, trademarks and service marks, and product and service names are trademarks of Actra Fraternal Benefit Society. Without Actra Fraternal Benefit Society's prior permission, you agree not to display or use in any manner, the Actra Fraternal Benefit Society marks.