Payment Authorization Terms and Conditions

By using the online payment option, you (hereafter "User," "you" or "your"), with accounts serviced by The Cincinnati Insurance Companies ("CIC")* authorizes a one-time funds transfer (hereafter "Transfer") from a checking or savings account (hereafter "Funding Account") for the purpose of making a payment on the date and in the amount specified by User. The Transfer is directly authorized by User based upon information provided to CIC by User.

NOTICE

In order to use the online payment option, all Users are required by CIC to adhere to the following Terms and Conditions. Please read the Terms and Conditions carefully. The Terms and Conditions are applicable in addition to the CIC Privacy Policies and Procedures, Website Disclaimers, and any other documents in effect that govern your relationship with CIC.

CIC may amend or change the Terms and Conditions of Use from time to time, at its sole discretion. Please review the Terms and Conditions of Use prior to making any Transfer and prior to updating your account information. By authorizing a Transfer to CIC, you expressly acknowledge and accept the Terms and Conditions. If you do not agree to be bound by the Terms and Conditions, you must not use the online payment option.

USER LIABILITY

If you believe a Transfer was made from your Funding Account without your permission, you are required to contact CIC within two business days after you learn of the unauthorized Transfer. Your failure to notify CIC within this time frame may increase your liability for the unauthorized Transfer.

If, after reviewing your Funding Account statement, you discover an unauthorized Transfer, you must notify CIC within 60 days after the statement was mailed to you. Your failure to notify CIC within 60 days may increase your liability to the full amount of the Transfer.

In the event of an unauthorized Transfer, please contact CIC at 888-242-0888.

YOU ARE RESPONSIBLE FOR TIMELY PAYMENT ON YOUR ACCOUNT, REGARDLESS OF YOUR METHOD OF PAYMENT. IT IS SOLELY YOUR RESPONSIBILITY TO MONITOR YOUR ACCOUNT AND YOUR FUNDING ACCOUNT(S) IN ORDER TO ENSURE TIMELY PAYMENT IS MADE.

You agree to participate in the security features of the site and to protect your sensitive information from unauthorized individuals.

TERMINATION OF USE

Your access to the online payment option may be immediately suspended by CIC if: (1) you do not agree to the Terms and Conditions; (2) your use at anytime violates the Terms and Conditions; or (3) your use results in 3 or more payments being returned due to non-sufficient or insufficient funds, cancellation, stop-payment, or any similar designation.

We may restrict your access to the site without notice in certain situations; for example, if you are out of the country.

CONFIDENTIALITY

CIC will disclose to third parties the information you provide about your Funding Account(s), Transfer(s) you authorize and for online payments under the following circumstances: (1) to support services you have requested, (2) to comply with criminal justice agencies' requests, subpoenas, lawful discovery under federal or state rules of civil and criminal procedure or court orders, and (3) if you give CIC written permission to do so.

DISCLAIMER OF LIABILITY

CIC will not be liable for any losses or damages you may incur if: (1) you do not have enough money in your Funding Account to make a Transfer; (2) circumstances beyond CIC's control, including but not limited to, natural disaster, flood, earthquake, fire, war, act of terrorism, or acts of third parties in violation of federal, state, or international law, render CIC unable to effectuate the Transfer despite reasonable precautions under the circumstances; or (3) you provide erroneous information to authorize the Transfer.

While CIC has adopted reasonable methods to ensure that you have entered your Funding Account information appropriately, CIC is in no way responsible for your submission of erroneous information and will accept as true and accurate the information you provide. CIC assumes no responsibility for verifying the information you provide if, through no fault of CIC, the financial institution that holds your Funding Account fails to effectuate a Transfer, commits any errors during the Transfer in any form whatsoever, or provides CIC erroneous information.

Completion of a Transfer is contingent upon both authorization by the applicable financial institution and acceptance of your Transfer by CIC. In the event that CIC is unable to process your Transfer, CIC will attempt to notify you at least once using the contact information contained in CIC's records. Except as provided in the Terms and Conditions of Use, CIC will not be responsible for incomplete transfers and will not extend credit under such circumstances.

CIC IS NOT RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGE RELATED TO YOUR USE OF THE ONLINE PAYMENT OPTION.

Acceptance of online payment after a policy has lapsed or expired does not automatically reinstate your policy without a lapse in coverage. Please contact your CIC agent for any additional requirements.

The Terms and Conditions are entered into in the state of Ohio and will be governed by and construed in accordance with the laws of the state of Ohio.

CIC is under no obligation to provide any online payment option and may modify or revoke access to or discontinue the service at any time without notice.

*"The Cincinnati Insurance Companies" refers to member companies of the insurer group providing property and casualty coverage through The Cincinnati Insurance Company or one of its wholly owned subsidiaries - The Cincinnati Indemnity Company, The Cincinnati Casualty Company or The Cincinnati Specialty Underwriters Insurance Company - and life and disability income insurance and annuities through The Cincinnati Life Insurance Company. Each insurer has sole financial responsibility for its own products. Not all subsidiaries operate in all states. 6200 S. Gilmore Road, Fairfield, OH 45014-5141.

Copyright ©2015 The Cincinnati Insurance Company