Policy Terms and Conditions & Fraud Statement

Terms and Conditions

By using this website (http://www.heliosprotection.com), you agree to the following terms and conditions, so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes; and we suggest that you periodically visit this page to review the most recent Terms and Conditions. If you decide to purchase insurance products or services from Helios Insurance Group the terms and conditions specified in your policy or agreement with Helios Insurance Group will apply.

Disclaimer

The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by Helios Insurance Group, but are provided “as is” and for general informational purposes.

Helios Insurance Group makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

Helios Insurance Group does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code.

Helios Insurance Group also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

HELIOS INSURANCE GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

Limitation of Liability

To the maximum extent provided by law Helios Insurance Group shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.

Fraud Statement

I declare, under the penalty of perjury, that I am not aware of any circumstances which may result in a loss under this policy, and to the best of my knowledge and belief, the information provided above is true and I have not withheld any material facts. I understand that any false declaration may void coverage under this policy.

(Note: A material fact is one that is likely to influence the underwriter’s assessment of pricing and terms or acceptance of this application.)

I agree that should a contract of insurance be concluded, this application and the statements made herein shall form the basis of the contract.

NOTICE  TO  ALASKA RESIDENTS  APPLICANTS:   ”A PERSON  WHO  KNOWINGLY  AND  WITH INTENT  TO INJURE, DEFRAUD  OR DECEIVE AN INSURANCE COMPANY FILES A CLAIM CONTAINING FALSE, INCOMPLETE OR MISLEADING INFORMATION MAY BE PROSECUTED UNDER STATE LAW.”

NOTICE TO ARKANSAS  RESIDENT APPLICANTS:  ”ANY PERSON WHO KNOWINGLY PRESENTS  A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUTllY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.”

NOTICE TO ARIZONA RESIDENTS APPLICANTS: “FOR YOUR PROTECTION ARIZONA LAW REQUIRES THE FOLLOWING STATEMENT TO APPEAR ON THIS FORM.  ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT  CLAIM FOR PAYMENT OF A LOSS IS SUBJECT TO CRIMINAL AND CIVIL PENALTIES.”

NOTICE  TO  COLORADO   RESIDENTS  APPLICANTS:   ”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:

NOTICE TO DISTRICT OF COLUMBIA  APPLICANTS: “WARNING:   IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO  AN   INSURER  FOR  THE  PURPOSE  OF  DEFRAUDING  THE  INSURER  OR  ANY   OTHER   PERSON.     PENALTIES   INCLUDE IMPRISONMENT   AND/OR  FINES.     IN  ADDITION,   AN   INSURER  MAY  DENY  INSURANCE   BENEFITS   IF  FALSE  INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT.”

NOTICE TO FLORIDA  RESIDENTS APPLICANTS:  ”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 GUTllY OF A FELONY OF THE THIRD DEGREE.”

NOTICE  TO  KENTUCKY  APPLICANTS:     ”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.”

NOTICE TO LOUISIANA RESIDENTS APPLICANTS:  ”ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.”

NOTICE TO MAINE RESIDENTS APPLICANTS:  ”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.”

RESIDENTS   OF  MARYLAND   APPLICANTS:     ”ANY   PERSON  WHO   KNOWINGLY   AND   WILLFULLY   PRESENTS   A   FALSE   OR FRAUDULENT   CLAIM  FOR  PAYMENT  OF  A  LOSS  OR  BENEFIT  OR  WHO  KNOWINGLY   AND  WILLFULLY  PRESENTS   FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.”

RESIDENTS OF MINNESOTA APPLICANTS:    ”ANY PERSON WHO, WITH INTENT TO DEFRAUD OR KNOWING THAT HE/SHE IS FACILITATING  A  FRAUD  AGAINST  ANY  INSURER,  SUBMITS  AN  APPLICATION  OR  FILES  A  CLAIM  CONTAINING  A  FALSE  OR DECEPTIVE STATEMENT IS GUTllY OF INSURANCE FRAUD.”

RESIDENTS OF NEW JERSEY APPLICANTS:  ”ANY PERSON WHO INCLUDES ANY FALSE OR MISLEADING  INFORMATION  ON AN APPLICATION FOR AN INSURANCE POLICY IS SUBJECT TO CRIMINAL AND CIVIL PENALTIES:

RESIDENTS OF NEW MEXICO APPLICANTS:   ”ANY PERSON WHO KNOWJNGLY PRESENTS A FALSE OR FRAUDULENT  CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION  IN AN APPLICATION FOR  INSURANCE IS GUTllY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.·

RESIDENTS OF NEW YORK APPLICANTS:   ”ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM 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 SHALL ALSO BE SUBJECT TO A CIVIL PENALTY NOT TO EXCEED FIVE THOUSAND DOLLARS AND THE STATED VALUE OF THE CLAIM FOR EACH SUCH VIOLATION:

RESIDENTS OF OHIO APPLICANTS:  ”ANY PERSON WHO, WITH INTENT TO DEFRAUD OR KNOWING THAT HE/SHE IS FACILITATING A FRAUD AGAINST ANY INSURER, SUBMITS AN APPLICATION OR FILES A CLAIM CONTAINING A FALSE OR DECEPTIVE STATEMENT IS GUTllY OF INSURANCE FRAUD.”

RESIDENTS OF OKLAHOMA  APPLICANTS:  ”ANY PERSON WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD OR DECEIVE ANY INSURER, MAKES ANY CLAIM FOR THE PROCEEDS OF AN INSURANCE POLICY CONTAINING ANY FALSE, INCOMPLETE OR MISLEADING INFORMATION IS GUTllY OF A FELONY.”

RESIDENTS OF OREGON APPLICANTS:   ”ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD OR SOLICIT ANOTHER TO DEFRAUD AN INSURER: (1) BY SUBMITTING AN APPLICATION, OR (2) BY FILING A CLAIM CONTAINING A FALSE STATEMENT AS TO ANY MATERIAL FACT, MAY BE VIOLATING STATE LAW.”

RESIDENTS OF PENNSYLVANIA  APPLICANTS: “ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM 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 SUCH PERSON TO CRIMINAL AND CIVIL PENALTIES.”

RESIDENTS OF TENNESSEE APPLICANTS:    ”IT IS A CRIME TO KNOWINGLY PROVIDE FALSE, INCOMPLETE OR MISLEADING INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING THE COMPANY.    PENALTIES INCLUDE IMPRISONMENT, FINES AND DENIAL OF INSURANCE BENEFITS.”

RESIDENTS OF TEXAS APPLICANTS:   IF A LIFE, HEALTH AND ACCIDENT INSURER PROVIDES A CLAIM FORM FOR A PERSON TO USE TO MAKE A CLAIM, THAT FORM MUST CONTAIN THE FOLLOWING STATEMENT OR A SUBSTANTIALLY SIMILAR STATEMENT: “ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR THE PAYMENT OF A LOSS IS GUTllY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN STATE PRISON.”

RESIDENTS OF VIRGINIA APPLICANTS:   ”IT IS A CRIME TO KNOWJNGLY PROVIDE FALSE,  INCOMPLETE  OR MISLEADING INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING THE COMPANY.   PENALTIES  MAY INCLUDE IMPRISONMENT, FINES AND DENIAL OF INSURANCE BENEFITS.”

RESIDENTS OF WASHINGTON APPLICANTS:    ”IT  IS A CRIME TO KNOWINGLY PROVIDE FALSE, INCOMPLETE, OR MISLEADING INFORMATION  TO  AN  INSURANCE  COMPANY  FOR  THE  PURPOSES  OF  DEFRAUDING  THE  COMPANY.    PENALTIES  INCLUDE IMPRISONMENT, FINES, AND DENIAL OF INSURANCE BENEFITS.”

RESIDENTS OF WEST VIRGINIA APPLICANTS: “ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY  PRESENTS FALSE INFORMATION  IN AN APPLICATION FOR INSURANCE  IS GUTllY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN PRISON.”

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