Right to Cancel. You have a right to cancel this Agreement for a period of fourteen (14) days commencing on the date on which this Agreement is concluded or the date on which you receive this Agreement (whichever is later) (the “Cancellation Period”). Should you wish to cancel this Agreement within the Cancellation Period, you should send notice in writing or electronically to the addresses found in contact us section of our website. Cancelling this Agreement within the Cancellation Period will not cancel any Transaction entered into by you during the Cancellation Period. If you fail to cancel this Agreement within the Cancellation Period, you will be bound by its terms but you may terminate this Agreement in accordance with Clause 17 (Termination Without Default).
Right to Cancel. Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason within 14 days of receiving the full terms & conditions. A charge will apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section. We are only able to cancel a policy from the date of receiving the request. We aim to process refunds promptly and as soon as practicable. You will not be entitled to a refund if you have made a claim (this will typically vary and is subject to your specific policy terms and conditions) If you are paying for your insurance using a finance agreement it is your responsibility to keep up with the agreed payments until the refund is received by the finance company and to settle any amount due after any refund has been forwarded. Policies such as legal expenses or breakdown assistance are not refundable, if you cancel this sort of arrangement you will not be entitled to any refund of the premium you paid. Complaints Our aim is always to provide all our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 0000 000 0000,or write to The Complaints Manager, My Policy Limited, Prospect House, Prospect Road, Halesowen, West Midlands B62 8DU or go to xxx.xxxxxxxx.xx.xx/xxx-xx-xxxxx. If we are unable to resolve your concerns within 3 working days, we will continue to investigate the matter. We will formally acknowledge the complaint lodged with us, detailing our understanding of your concerns and send you a copy of our complaints process to help you understand the next steps in the complaints process as well as the right to refer such concerns to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. Our aim is to act honestly, fairly and professionally and in the interests of customers at all times and keep any complainant (i.e. you or any other parties acting on your behalf) regularly informed about the investigation and give you a final response no later than 8 weeks. If you are not happy with our final response, or the position after a period of 8 weeks, we will tell you about your eligibility to refer the complaint to the Financial O...
Right to Cancel. You may return this Contract within ten (10) days after you receive it. To do so, mail it to us at our Service Center or to the agent who sold it to you. This Contract will then be deemed void from the beginning. No withdrawal charge will be imposed, and we will refund the Contract Value, including any fees or charges for premium taxes and/or other taxes that were deducted from the Contract Value. Signed for the Company at Newport Beach, California, to be effective as of the Contract Date. PACIFIC LIFE INSURANCE COMPANY Chairman and Chief Executive Officer Secretary INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating TABLE OF CONTENTS PAGE CONTRACT SPECIFICATIONS 3 DEFINITION OF TERMS 4 GENERAL PROVISIONS 7 PURCHASE PAYMENTS Initial Purchase Payment 9 Additional Purchase Payments 9 Purchase Payment Allocation 9 Allocations During the Right to Cancel Period 9 Minimum Investment Option Value 9 VARIABLE INVESTMENT OPTIONS Variable Investment Options 10 Separate Account 10 CONTRACT VALUES Contract Value 11 Variable Account Value 11 Subaccount Value 11 Subaccount Unit Value 11 Net Investment Factor 11 Loan Account Value 12 CHARGES, FEES AND DEDUCTIONS Administrative Fee 13 Annual Fee 13 Mortality and Expense Risk Charge (“Risk Charge”) 13 Premium Taxes 13 Other Taxes 13 Contingent Deferred Sales Charge (‘Withdrawal Charge”) 13 Amount of Withdrawal Charge 14 Free Withdrawals 14 Earnings 14 TRANSFER PROVISIONS Transfers 15 Transfer Limitations and Restrictions 15 WITHDRAWAL PROVISIONS Withdrawals 16 Minimum Withdrawal Amount 16 Amount Available for Withdrawal 16 Termination of Contract 16 CONTRACT LOANS Loans 17 Loan Procedures 17 Loan Account 17 Loan Terms 17 Loan Interest Rate 17 Repayment Terms 17 DEATH BENEFIT PROVISIONS Death Benefit 19 Death Benefit Amount 19 Death of Annuitant 19 Death of Owner 20 Death of Owner Distribution Rules 20 Interest on Death Benefit Proceeds 21 BENEFICIARY PROVISIONS Designation of Beneficiary 22 Adding or Changing Your Beneficiary 22 ANNUITY PROVISIONS Choice of Annuity Date 23 Default Annuity Option 23 Application of Contract Value 23 Your Selections 24 Fixed and Variable Annuities 24 Amount of Payments 24 Fixed Annuity Payments 24 Conversion to Current Rates 24 Variable Annuity Payments – Subaccount Annuity Un...
Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, you must give the creditor written notice that you intent to cancel the contract by- • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing the notice to the creditor You must also, within the same time, return to the creditor any advance received by you under the contract. What you may have to pay if you cancel If you cancel the contract, the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and :
Right to Cancel. We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract. However, there will be occasions where no statutory rights are granted, however this will be explained before any contract is concluded. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy.
Right to Cancel. You should note that you are not entitled to cancel this Agreement (but you can terminate it as set out in the Termination clause). MODULE B - ADVICE
Right to Cancel i.Notwithstanding anything to the contrary set forth in this Agreement, Purchaser shall have the right to cancel this agreement any time prior to its delivery of the Purchase Price to Merchant and, upon such cancellation, this Agreement shall become null, and void and the parties shall have no obligation to, or rights against, each other, except that all sums delivered by Merchant to Purchaser on account of entering into this Agreement shall be promptly returned to Merchant.
Right to Cancel. The Company reserves the right to cancel the Warrants prior to the Expiration Date, after a period of one year has elapsed from the date of issuance of the Warrants and upon 15 days written notice to the Warrant holders, if the closing price of the Company’s Common Stock is an amount equal to or exceeding $0.20 per share for a period of 20 consecutive trading days.
Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You must give notice that you intend to cancel a contract within 5 working days of the statement on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – giving notice to the lender or an employee or agent of the lender; or posting the notice to the lender or an agent of the lender; or emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or sending the notice to the lender’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, return to the lender any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract the lender can charge you the amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • Interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damage. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship or other reasonable cause you may be able to apply to the lender for a hardship variation. To apply for a hardship variation, you need to:
Right to Cancel. There is a 10 day right to cancel. If the Contract is issued as a replacement of existing life insurance or annuity coverage, the right to cancel period is extended to 30 days from the date of receiving it. If you are not satisfied with the Contract, return it to the Retirement Resource Operations Center or an agent of the Company. The Contract will be void from the start, and the Company will refund the Annuity Account Value plus any charges and fees. The amount returned during the right to cancel period will not be subject to a Withdrawal Charge. Signed for Great-West Life & Annuity Insurance Company on the issuance of this Contract. [/s/ Xxxxxxx Xxxxxxx] [/s/ Xxxxxx X. Xxxxxxxx] [Xxxxxxx Xxxxxxx], [Xxxxxx X. Xxxxxxxx], [Secretary] [President and Chief Executive Officer] INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be made only during the Accumulation Period or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuity Account Value according to the Payout Options provisions of this Contract. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non- participating and not eligible to share in the Company’s divisible surplus. ANNUITY INFORMATION Annuity Contract Number: [1234567] Effective Date: [July 1, 2012] Status of Annuity: [Non-Qualified Annuity ] Initial Contribution: [$50,000] Annuity Commencement Date: [March 1, 2014] State of Delivery: Department of Insurance Telephone Number: [303-123-4567] OWNER INFORMATION Owner: [XXXX X. XXX] Date of Birth: [April 1, 1969] Tax ID Number: [XXX-XX-1111] Joint Owner: [XXXX X. XXX] Date of Birth: [November 12, 1973] Tax ID Number: [XXX-XX-3333] [Colorado] ANNUITANT INFORMATION Annuitant: [XXXX X. XXX] Joint Annuitant: [XXXX X. XXX] Date of Birth: [March 22, 1967] Date of Birth: [March 22, 1967] Tax ID Number: [XXX-XX-1234] Tax ID Number: [XXX-XX-1234] Contingent Annuitant: [XXXXX X. XXX] Date of Birth: [June 6, 1989] Tax ID Number: [XXX-XX-7777] BENEFICIARY INFORMATION Beneficiary: [Xxxxx Xxxxx] Date of Birth: [January 17, 1981] Tax ID Number: [XXX-XX-1789] Contingent Beneficiary: [Xxxxx Xxxxx] Date of Birth: [January 17, 1981] Tax ID Number: [XXX-XX-1794] TRANSFERS Number of Free Transfers Allowed: [12] each Contract Year Transfer ...
