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 & ANNUITY COMPANY Chairman and Chief Executive Officer Secretary The smallest gross annual rate of return needed for the dollar amount of the variable annuity payments to not decrease is equal to the sum of the assumed interest rate (AIR) of 4% and all product fees and charges. The fees and charges would include the Mortality and Expense Risk charge of 0.90% and the Administrative Fee of 0.15%. Thus, the total gross annual rate of return would need to be 5.05%. 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 12 Annual Fee 12 Mortality and Expense Risk Charge (“Risk Charge”) 12 Premium Taxes 12 Other Taxes 12 Contingent Deferred Sales Charge (‘Withdrawal Charge”) 13 Amount of Withdrawal Charge 13 Free Withdrawals 13 Earnings 13 TRANSFER PROVISIONS Transfers 14 Transfer Limitations and Restrictions 14 SYSTEMATIC TRANSFER OPTIONS Systematic Transfer Options 15 Dollar Cost Averaging Transfer Option 15 Portfolio Rebalancing Transfer Option 15 Earnings Sweep Transfer Option 16 WITHDRAWAL PROVISIONS Withdrawals 17 Minimum Withdrawal Amount 17 Amount Available for Withdrawal 17 Pre-authorized Withdrawals 17 Termination of Contract 17 CONTRACT LOANS Loans 18 Loan Procedures 18 Loan Account 18 Loan ...
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 HAVE THE RIGHT TO RETURN THIS CONTRACT. You may cancel this Contract within days after you receive it by returning it to our administrative office, or to the agent who sold it to you, with a written request for cancellation. If you return it by mail, effective date of the cancellation will be determined by the postmark date on the properly addressed and postage-paid return package. We will promptly return the Contract Value plus any amounts deducted from your Purchase Payments before they were applied to this Contract. The amount returned may be more or less than your Purchase Payments. Xxxxxxx X. Xxxxxx, President Xxxxx X. Xxxxxxxx, Secretary THIS IS A LEGALLY BINDING CONTRACT - READ IT CAREFULLY Administrative Office: PROTECTIVE LIFE INSURANCE COMPANY xxx.Xxxxxxxxxx.xxx 0000 Xxxxxxx 000 Xxxxx, Xxxxxxxxxx, Xxxxxxx 00000 P. O. Box 1928, Birmingham, Alabama 35282-8238 (000) 000-0000 TABLE OF CONTENTS SCHEDULE A DEFINITIONS 1 PARTIES TO THE CONTRACT 2 Company 2 Owner 2 Change of Owner 2 Beneficiary 2 Change of Beneficiary 2 Annuitant 2 Change of Annuitant 3 Payee 3 GENERAL PROVISIONS 3 Entire Contract 3 Modification of the Contract 3 Non-Participating 3 Incontestability 3 Application of Law 3 Form Approval 3 Assignment 3 Protection of Proceeds 4 Minimum Values 4 Reports 4 Error in Age or Gender 4 Settlement 4 Receipt of Payment 4 Premium Tax 4 Written Notice 4 PURCHASE PAYMENTS 5 Purchase Payments 5 Allocation of Purchase Payments 5 VARIABLE ACCOUNT 5 General Description 5 Sub-Accounts of the Variable Account 5 Variable Account Value 6 Accumulation Unit Values 6 Net Investment Factor 7 TRANSFERS 7 Transfers 7 Limitation on Frequent Transfers 7 Dollar Cost Averaging 7 SURRENDERS AND WITHDRAWALS 8 Surrenders 8 Withdrawals 8 Surrender Value 8 Suspension or Delay in Payment of Surrender or Withdrawal 8 DEATH BENEFIT 8 Death of an Owner 8 Death of the Annuitant 8 Death Benefit 8 Payment of the Death Benefit 9 Suspension or Delay in Payment of Death Benefit 9 ANNUITY INCOME PAYMENTS 9 Annuity Date 9 Annuity Income Payments 9 Fixed Income Payments 9 Variable Income Payments 10 Annuity Unit Values 10 Selection of Annuity Option 10 Annuity Options 11 Minimum Amounts 11 Guaranteed Purchase Rates 11 FIXED ANNUITY TABLES 12 VARIABLE ANNUITY TABLES 12
Right to Cancel. (1) The continuation of this contract is contingent upon the appropriation of funds to fulfill the requirements of the contract by the Parish. If the Parish fails to appropriate sufficient monies to provide for the continuation of this or any other contract, or if such appropriation is reduced by the veto of Parish President by any means provided in the appropriations Ordinance to prevent the total appropriation for the year from exceeding revenues for that year, or for any other lawful purpose, and the effect of such reduction is to provide insufficient monies for the continuation of the contract, the contract shall terminate on the date of the beginning of the first fiscal year for which funds are not appropriated. It is understood and agreed that the paragraph below may preempt this paragraph, all at the exclusive and unilateral option of the Parish.
