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Please
read these Terms and Conditions carefully before using
this web site. By accessing and using this web site
you are agreeing to be bound by these Terms and Conditions.
Lancer Insurance Company and its affiliated companies
reserve the right to modify these Terms and Conditions
at any time. Please check this page regularly; your
continued use of this site will constitute your acceptance
of any revisions to the Terms and Conditions.
Proprietary
Information
All
information provided by Lancer Insurance Company and
its affiliated companies (collectively "Lancer")
through their web sites or e-mail transmissions is
owned by or licensed to Lancer. Lancer and its licensors
retain all proprietary rights to Lancer information.
All unauthorized use of published information is strictly
prohibited without prior written permission from the
appropriate Lancer company. You may, however, copy
or print without alteration documents published on
our sites or transmitted via e-mail for noncommercial
use within your organization provided that all copyright
and other proprietary notices appear in all copies
in the same manner as the original.
All
trade names, trademarks, service marks, images and
logos on materials, including electronic facsimiles,
published by Lancer are proprietary to their respective
owners and are protected by applicable trademark and
copyright laws. Lancer owned marks include but are
not limited to Lancer Insurance Company & design®,
Safe Coach Plus® & design®, Critical Issues
& design®, LimoKits®, LimoXchange®
& design®, BusNet & design®, Lancer
Compliance Services®, Lancer Management Company®,
Lancer®, Lancer Insurance & design®, Nobel
Insurance Services® and D.C. White Agency®.
Any unauthorized use of Lancer owned marks or graphics
is strictly prohibited. Further, any product, process
or technology contained in individual documents on
our web sites may be the subject of other intellectual
property rights reserved by Lancer.
No
portion of this web site or any other intellectual
property of Lancer may be used on any other web site,
in the source code of any other web site or in any
other printed or electronic materials, except as expressly
provided herein. Linking from another web site to
any page in this web site is strictly prohibited without
prior written permission. Lancer assumes no responsibility
for any material outside of Lancer owned web sites
that is accessed by any hypertext or other computer
link through any of our web sites. Any attempt or
act by you, directly or indirectly, to disrupt, impair
or interfere with, alter or modify any Lancer owned
web site, e-mail server or proprietary information
is strictly prohibited.
Products
and Services
The
information contained on Lancer web sites is intended
as general information and does not constitute complete
descriptions of all terms, exclusions and conditions
applicable to the products and services offered by
Lancer. Insurance coverage provided by Lancer is limited
to actual policies issued and is subject to the terms
and conditions stated in the policies. Product availability
varies by state and the individual circumstances of
each applicant. The on-line completion of a Lancer
Survey creates no express or implied obligation on
the part of Lancer to offer a quote or provide insurance
as requested.
Privacy
Please
review our Privacy
Policy which also governs your visit to Lancer
web sites.
Electronic
Payment Service
Lancer
is pleased to offer electronic payment services ("Service")
to customers and brokers on some of Lancer's programs.
The Service provides the ability to pay Lancer bills
electronically over the internet through an electronic
payment interface with Lancer's vendor Metavante.
If you choose to pay your Lancer bills electronically,
you must expressly indicate your agreement to all
of Lancer's Terms and Conditions as stated here. In
addition to these Terms and Conditions, you should
review our Frequently Asked Questions (FAQs). The
FAQs page includes important information about how
the Service works, the safeguards that are in place
to protect your information and how to get help if
you have a problem using the Service.
AUTHENTICATION
AND AUTHORIZATION FOR SERVICE USAGE
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This
Service incorporates commercially reasonable methods
to authenticate the information that you supply
for making a payment through this Service. You
will not be able to submit a payment until Lancer
authenticates you and you will not be allowed
to use the Service to pay your bill until you
have read and agreed to these Terms and Conditions. |
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Authentication
and authorization for service usage will be withdrawn
from policyholders with a policy expired greater
than 90 days having no open invoice and from brokers/producers
with accounts that have been inactive for more
than one year. |
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As
a user of this Service, and upon your acceptance
of these Terms and Conditions, you will submit
your bank account or credit card account (your
"Designated Account") information. You
are responsible for any legal, regulatory or banking
penalties and fees that may be assessed for supplying
false information for use with the Service. |
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If
the Designated Account is a bank or credit card
account for a business, then it must be one for
which you are a properly authorized signer. |
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You
must submit your e-mail address to receive confirmation
of your electronic payment. Your e-mail address
will be used only for the purpose of transacting
the payment you have authorized and of Lancer
providing you with information related to the
delivery of Lancer products and services. |
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By
accepting the Terms and Conditions, you authorize
Lancer's electronic payment vendor to initiate
a charge to your Designated Account according
to your instructions. Each time you use the Service
to pay your Lancer statement, you will be reauthorizing
the vendor to charge your Designated Account. |
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By
accepting these Terms and Conditions, you represent
and warrant that: |
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1.
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You
are 18 years old or older; |
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2.
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You
are using your actual identity and any information
you provide is accurate and complete; |
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3.
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You
are legally authorized to make payments
using the Designated Account; |
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4.
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You have read and agreed to our Privacy
Policy; and |
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5.
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Your
use of the Service will not violate any
local, state, federal or international laws
or regulations. |
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APPLICATION
OF ELECTRONIC PAYMENTS
By
providing Lancer's electronic payment vendor with
the information for your Designated Account, you are
authorizing Lancer and its vendor to follow the payment
instructions received from you and to process the
payment. More specifically, when you use this Service
to send payment instruction, you authorize Lancer's
electronic payment vendor to initiate a message to
your bank or credit card provider, as applicable,
to charge your Designated Account and to send those
funds to us for payment on your Lancer account. Payment
may take up to three (3) business days to be applied
to your account. AN ELECTRONIC PAYMENT ON YOUR LANCER
ACCOUNT DOES NOT AUTOMATICALLY REINSTATE A CANCELLED
INSURANCE POLICY OR RESCIND THE PENDING CANCELLATION
OF AN INSURANCE POLICY. YOU MUST CONTACT EITHER YOUR
LANCER REPRESENTATIVE OR YOUR INSURANCE BROKER TO
VERIFY THE STATUS OF YOUR INSURANCE POLICY. THE STATUS
OF A LANCER INSURANCE POLICY CANNOT BE CONFIRMED THROUGH
THE LANCER WEBSITE.
Disclaimer
of Warranty
The
content and materials in Lancer web sites are provided
"as is". Lancer expressly disclaims all
warranties, express or implied, with respect to Lancer
sites and the material contained therein. This includes,
but is not limited to, warranties that the material
is of any particular level of quality or is fit for
a particular purpose; that the functions or operations
of this site will be uninterrupted or error-free;
that defects will be corrected; that our web sites,
e-mail sent from Lancer or the servers that make them
available are free of viruses or other harmful components
or conditions; or that the information contained in
the sites is accurate of any particular date. Some
states do not allow the disclaimer of implied warranties,
so the foregoing disclaimer may not apply to you.
Limitation
of Liability
Neither
Lancer nor its electronic payment service vendor is
responsible for any injury, loss, claim or damage,
nor any indirect, special, incidental or consequential
damages of any kind, whether based in contract, tort,
strict liability, or otherwise, which arises out of
(1) the use of, or the inability to use, Lancer sites
or the information found on Lancer sites; (2) use
of, or the inability to use, any site to which you
hyperlink from our sites; (3) failure of performance;
(4) error, omission, interruption, defect or delay
in operation or transmission; (5) computer virus;
(6) line failure or (7) transactions effected with
a lost, stolen, counterfeit or misused log-in ID,
password or account information. Lancer is not liable
for any economic, consequential or incidental damages,
damages reasonably expected to result from a loss
or injury or other miscellaneous damages and expenses
resulting directly from a loss or injury. In addition,
Lancer is not liable even if we have been negligent
or if we have been advised of the possibility of damages.
Some
states do not allow the exclusion of liability for
certain damages, so the foregoing exclusions may not
apply to you in their entirety. Our liability to you
for all losses of any kind, regardless of the legal
theory for the claim, is limited, in any event, to
the amount you have paid to access our sites.
Jurisdiction
Use
of this site shall be governed by and construed in
accordance with the laws of the State of New York
without giving effect to any principles of the conflicts
of laws. Any dispute concerning this site shall be
subject to the exclusive venue of a court of competent
jurisdiction in Nassau County, New York.
Should
any provision of these Terms and Conditions be held
invalid, unlawful or for any reason unenforceable,
then the invalid, unlawful or unenforceable provision
shall be severable from the remaining provisions.
Such invalid, unlawful or unenforceable provision
shall not affect the validity or enforceability of
the remaining provisions.
Lancer
Affiliated Companies
These
Terms and Conditions apply to Lancer Insurance Company
and its affiliates Lancer Financial Group, Inc., Lancer
Management Company, Inc. and Lancer Compliance Services,
Inc.
Inquiries
Questions regarding these
Terms and Conditions should be directed to Lancer's
General Counsel at 370 West Park Avenue, P.O. Box
9004, Long Beach, New York 11561.
*Lancer Financial Group, Inc., Lancer
Insurance Company, Lancer Management Company, Inc.
and their affiliates are not affiliated or in any
way associated with any hedge fund or hedge fund manager.
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