Pattern Hotelier Service Agreement

THIS SERVICES AGREEMENT including its schedules (“Agreement”) is made on the date stated in Schedule One (“Effective Date”) BETWEEN Pattern Insurance Services, Inc whose address is at 150 Forrest Ave, Palo Alto, CA 94301 (“PATTERN”); and Hotelier whose legal name and details are described in the application form they submitted in accepting these terms and conditions (“Hotelier”). Each a “Party” and together the “Parties”.

Recitals: PATTERN has partnered and integrated with a third party CRS provider which, at the date hereof, the Hotelier is also integrated with (“CRS Provider”) to make its products available to those of its customers who access and use the CRS Provider’s platform (“CRS Platform”) and accordingly shall, following the signature by the Hotelier of this Agreement, allow the Hotelier to access the Products as from the CRS Platform including upon the terms set out in this Agreement.


1. General

a. Agreement

Effective Date of Agreement The date of acceptance of this Agreement by the Hotelier.
Contract duration The Term of the Agreement shall commence from the Effective Date and shall continue for a 6 month initial term (reduced to 3 months for Beta participants) from Go-Live (“Initial Term”), and thereafter shall automatically extend for consecutive 6 month periods (each a “Renewal Term”), unless terminated by either Party: (i) on 30 days’ prior written notice to the other Party of termination at will, such notice of termination to terminate on the expiry of the Initial Term or applicable Renewal Term; or (ii) pursuant to Section 8; or (iii) automatically, should the Hotelier no longer have an agreement with the CRS Provider to use the CRS Platform. In the event that the Hotelier wishes to terminate this Agreement under paragraph (i) above, the Hotelier shall notify PATTERN in writing of such termination and shall not request the CRS Provider to switch off the Hotelier’s access to the Products until the expiry of such termination notice.
Product types Insurance, guarantee and other services according to the Product Description (per geography).  Subject to Section 2.4 of this Agreement, PATTERN has the right to add or remove Products from time to time (both entirely or on a state by state, or country by country or territory by territory basis) and the latest available Products will be those available to the Hotelier through the CRS Platform. Product terms and conditions will be provided by Pattern (or the Pattern Affiliate) as part of the Consumer journey and may be updated by Pattern (or the Pattern Affiliate) from time to time.
Payment of Fees
  • Hotelier commission Fees: For every Product purchased and paid for by a Consumer and not cancelled thereafter, the Hotelier will receive a commission Fee that will be paid by PATTERN to the Hotelier according to the commission Fee table in this Schedule 1.
  • Collection of payments from the Consumer: The Gross Insurance Premium and, as applicable, the Gross Non-Insurance Premium collected from the Consumer, will be collected by PATTERN through the CRS Platform.
  • Reconciliation of payments for Products sold: On or around the 10th of each calendar month, PATTERN will issue a reconciliation statement (“Reconciliation Statement”) consisting of all Product purchase transactions executed in the previous calendar month and all payments received for them.Commission Fees stated as being due to the Hotelier in a Reconciliation Statement will be paid by PATTERN to the Hotelier up to 30 days from the provision of the Reconciliation Statement.

Note: In the event that in any state, country or territory, the payment of commission is not possible, then the provisions of Section 2.4 shall apply.

Selling Points The Pattern Products will be available via the CRS Platform.
Territory Products are available to the Consumers based on their country of residence as stated in the below Annexes.

b. Commercial terms

Product type Applicable countries
(Per consumer’s country of
Pattern or Pattern affiliate
providing the product
Commission Fee level
Travel Insurance Products
  • United states (excluding New York and Hawaii)
  • EU (covering France, Germany, Spain, Italy, Austria, Belgium, the Netherlands, Luxembourg)
  • United Kingdom
  • Pattern Insurance Services, Inc
  • Pattern Affiliate: Setoo SAS
  • Pattern Affiliate: Setoo Limited
  • 25% of the full price charged to the Consumer (Gross Insurance Premium)
  • 35% of the (Net Premium) price charged to the Consumer
  • 35% of the (Net Premium) price charged to the Consumer
Product type Applicable states
(Per consumer’s state of
If commission Fees are not payable then the marketing/technical based Fee shall be:
Travel insurance Products defined in the Product Description New York, Hawaii and others as
may be notified by PATTERN
from time to time
$ 0.17 per unique proposal (a “unique proposal” being a proposal made by PATTERN to a Consumer who, along with a travel booking, has requested and received a proposal from PATTERN for the PATTERN Product). This Fee shall be subject to review after the Initial Term.  PATTERN shall give the Hotelier no less than 30 days’ prior written notice of any proposed change to the Fee, and if the Hotelier does not agree to the revised Fee amount, it may terminate the affected Products by giving written notice to PATTERN prior to the effective date of such revision.
  • The commission level percentages or amounts may be updated by PATTERN or a Pattern Affiliate from time to time to conform to changing regulation or market conditions. Unless precluded by regulation (which requires a shorter notice), no less than 30 days’ prior written notice of such change shall be given by PATTERN to the Hotelier, and if the Hotelier does not agree to the revised commission level, it may terminate this Agreement by giving written notice to PATTERN prior to the effective date of such revision.
  • The final price to the Consumer will be the Net Premium (including Hotelier commission) + any Tax. This will be displayed by PATTERN (or the Pattern Affiliate) for each booking via the CRS Platform.

2. Relationships between the parties for any Insurance Product offering

In the case of the proposed or actual sale of any insurance Product, the relationship between PATTERN/Pattern Affiliate, the Hotelier and the Insurance Provider (unless otherwise stated in an Annex) will be the following:

Company Role
Hotelier Introducer/sub-producer (as stated in the applicable Annex)
PATTERN / Pattern Affiliate Agent/Broker/Producer (as stated in the applicable  Annex)
Insurance Provider The Insurance Provider will carry the risk underlying the insurance Product provided by PATTERN under this Agreement.

3. General Hotelier Compliance in Respect of Insurance Products:

In addition to any specific provisions applicable in respect of any Territory which requires the Hotelier to complete, sign and return any form designating its appointment by a Pattern Affiliate or PATTERN itself, the Hotelier agrees that it will not take any action (or fail to take any action) which would cause the Insurance Provider or PATTERN or Pattern Affiliate to be in breach of any applicable law or regulation. In the distribution of the insurance Product, the Hotelier shall comply with all instructions of PATTERN, according to PATTERN’s legal obligations to any of its Insurance Providers, Consumers, and also to comply with all applicable laws and regulations. The Hotelier must ensure that any information provided to the Hotelier by PATTERN (or an Insurance Provider) for distribution to Consumers (or prospective consumers) are given and remain available to those Consumers, as required. No contract for a Consumer of any insurance Product shall be entered into without PATTERN’s express written approval as to the content of that contract (as applicable). In the event that the Hotelier considers at any time that there is a conflict of interest between their business and the offering of the insurance Products to any Consumer, they must immediately notify PATTERN of the nature of that conflict and provide any supporting information to enable PATTERN to resolve that issue (if possible). The Hotelier must not make any representation or other statement concerning the insurance Product.  PATTERN, its Insurance Provider or any applicable regulator or state or government body may audit any records and in doing so, the Hotelier shall provide reasonable assistance in that audit. In the event that PATTERN requires any information for the foregoing to be sent to PATTERN, which is not available on the CRS Platform, then the Hotelier shall provide that information upon written request within 15 Business Days of that written request.

The Parties will review the adequacy of these arrangements to ensure that all of their respective obligations are being met.

The above obligations are only applicable for the online sale of Products. In the case of offline sales, for example call center and / or travel agency sales, an addendum will be added to the Annex which covers the legal and regulatory requirements applicable to such an activity.

Relevant personal data processing details for data protection

Type of Processing of Personal data Purpose of the Processing Category of Personal Data Category of Data Subjects Duration of the Processing
Processing n°1 Collection and processing of data initially received from the Hotelier and subsequent processing of personal data for the provision of the Products and administration of the Products Provision of the Products and Services Names, address, state, country, email address, telephone numbers and account details, travel or other details involving customers of Hotelier using the Hotelier’s services End customers of the Hotelier and the Hotelier’s employees and workers For the Term of the Agreement.