From time to time, certain products and services may be made available to you (“you” or “User”) by HIPA.Life or its subsidiaries or corporate affiliates (collectively, “us”, “we” or “the Company”) through the HIPA Site. By purchasing any products or services through HIPA, you indicate and confirm that you have read, understand and agree to be bound by the Sales and Refund Policies in effect at the time of purchase (“Sales and Refund Policies”). Your purchases and your use of HIPA are also governed by the HIPA Terms of Service (“Terms of Service”), which are incorporated herein by reference. “HIPA Site” means that website currently appearing at www.HIPA.Life, any other HIPA or HIPA affiliate-branded or co-branded website or web page (including, without limitation, any and all sub-domains, international versions and successors thereof) and any HIPA or HIPA Affiliate provided services, including, without limitation, services provided through any media, devices or networks now existing or later developed.

These Sales and Refund Policies are subject to change without prior written notice at any time, in Company’s sole discretion, and such changes shall apply to any purchases made after such changes are posted to the HIPA Site. Therefore, you should review these Sales and Refund Policies prior to each purchase so you will understand the terms applicable to such transaction. If you do not agree to these Sales and Refund Policies, do not make any purchases on HIPA.

PLEASE READ THESE SALES AND REFUND POLICIES CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED.

PURCHASE QUALIFICATIONS AND ACCOUNT SECURITY

To make a purchase on HIPA, you must be a registered HIPA User and comply with these Sales and Refund Policies (including the Terms of Service). You acknowledge that you are responsible for maintaining the security of, and restricting access to, your account and password, and you agree to accept responsibility for all purchases and other activities that occur under your account. HIPA sells its products only to those users who can legally make purchases with a credit card. If you are under 18, you may make purchases on HIPA only with the involvement of a parent or a guardian. HIPA reserves the right to refuse or cancel orders or terminate accounts, at any time in its sole discretion.

PAYMENT METHOD AND TERMS

We accept Online Banking, Visa and MasterCard credit cards and certain debit cards, as forms of payment. By submitting an order through HIPA, you authorize the Company, or its designated payment processor, to charge the account you specify for the purchase amount. All payments are to be made in United States Dollars. When you provide your credit card number to HIPA, you may authorize us to store your credit card number and related payment information.

PRODUCT AND SERVICE DESCRIPTIONS AND AVAILABILITY ERRORS

The Company and its suppliers continually upgrade and revise its products and services to provide you with new products and services. The Company may revise, discontinue or modify products or services at any time without prior notice to customers, and products or services may become unavailable without notice. The Company shall have no liability of any kind if a product or service that has been ordered is unavailable. If necessary, the Company reserves the right to substitute items of equal or greater value when an item or service is unavailable or the Company may cancel the order.

We attempt to be as accurate as possible and eliminate errors on HIPA, however we do not warrant that any product, service or description, photograph, pricing or other information is accurate, complete, reliable, current, or error-free. In the event of an error, whether on the HIPA Site, in an order confirmation, in processing an order, delivering a product or service or otherwise, we reserve the right to correct such error and revise your order accordingly if necessary (including charging the correct price) or to cancel the order and refund any amount charged. In addition, we may, in lieu of a refund as provided in this paragraph, opt to provide you with a merchandise or service credit, with a value at least equal to the amount charged to your credit card. HIPA reserves the right to determine and modify from time to time the exact nature of any such merchandise or service credit, including conversion into one or more different types of merchandise or service credits. Your sole remedy in the event of such error is to cancel your order and obtain a refund or credit as set forth above.

To request a refund, send an email to support AT HIPA DOT Life

TAXES

User will be responsible for any applicable sales or use tax, duties, or other governmental taxes or fees payable in connection with your purchase. If you do not pay such sales or other tax or fee on a transaction, you will be responsible for such taxes or fees in the event that they are later determined to be payable on such sale, and the Company reserves the right to collect such taxes or other fees from you at any time.

RETURNS

There are no returns or cancellations for any intangible property or services purchased from the Company. All sales are final, non-cancellable and non-refundable except as expressly set forth in this Agreement or as otherwise determined by the Company in its sole discretion.