STATE AUTO PAY NOW PAYMENT SERVICE
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STATE AUTO is offering this payment service ("Service") as a convenience option to you, our valued policyholder ("you" or "your"). Currently, the Service is limited to the ability to pay your STATE AUTO premium electronically over the Internet. If your payment is received after the due date of the bill, regardless of any cause except for our failure to reasonably process your explicit payment instruction actually received by us, then your policy may be subject to cancellation for nonpayment of premium and you will remain responsible for any late charges and interest assessed, the same as if you mailed your payment to us and we received it after the due date.
In addition to these Terms and Conditions, you should review our Frequently Asked Questions page and our Privacy Policy. The FAQ page includes important information about what browsers are currently supported by the Service, how information sent or received using the Service is encrypted for security purposes, and other information about how the Service works and how to get help if you have a problem using the Service. Our Privacy Policy includes important information about the type of information we collect about you, how we collect that information, and what we may do with that information.
AUTHENTICATION AND AUTHORIZATION FOR SERVICE USAGE
- This Service incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment through this Service. You will not be able to submit a payment until the Service authenticates you and you will not be allowed to use the Service to pay your insurance invoice until you have read these Terms and Conditions and have acknowledged doing so by clicking the "I Accept" button at the bottom of this page.
- As the user of the Service, and upon your acceptance of these Terms and Conditions, you will have submitted your banking account or credit/debit 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 to us for use with the Service.
- The Service may be used for payment on both consumer and commercial accounts.
- If the Designated Account is a banking or credit/debit card account for your Business, then it must be one for which you are a properly authorized signer.
- By accepting these Terms and Conditions, you authorize STATE AUTO INSURANCE to initiate a charge to your Designated Account according to your instructions. Each time you use the Service to pay your STATE AUTO invoice, you will be reauthorizing us to charge your Designated Account.
- By accepting these Terms and Conditions, you represent and warrant that:
- You are 18 years of age or older;
- You are using your actual identity and any information you provide is accurate and complete;
- You are legally authorized to make payments using your Designated Account;
- You have read and agreed to our Privacy Policy; and
- Your use of the Service will not violate any local, state, national or international laws or regulations.
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By providing STATE AUTO with the account information for your Designated Account, you authorize us to follow the payment instructions we receive from you through the Service.
When you use this Service to send us a payment instruction, you authorize STATE AUTO to initiate a message to your bank or credit card provider to charge your Designated Account and to send those funds to us for payment on your STATE AUTO account so that we receive the funds as close as reasonably possible to the date indicated by you in the payment instruction. If your payment is received after the due date of the bill, regardless of any cause except for our failure to reasonably process your explicit payment instruction actually received by us, then your insurance policy will be subject to cancellation and you will remain responsible for any late charges and interest assessed, the same as if you mailed your payment to us and we received it after the due date. This would be true even if you are unable to access the system due to problems with the Internet, or our servers being temporarily unavailable. Therefore, we recommend that you instruct the Service to initiate each payment to us at least five (5) business days before the actual due date. (Business days are Monday through Friday, except for federal banking holidays). If you use the Service to send us your payment instructions after 5:00 p.m. (Eastern Time Zone) on a normal business day, then the Service will treat your instruction as if it was received on the following day. It is the day we receive payment from you, and not the day we receive your instructions, that determines whether your payment was timely received.
LIMITATIONS OF LIABILITY AND EXCLUSIONS OF WARRANTIES
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ALTERATIONS AND AMENDMENTS
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These Terms and Conditions are the legal binding agreement between STATE AUTO and you with respect to the Service. You will be agreeing to the current provisions of these Terms and Conditions each time you make a payment using the Service. These Terms and Conditions may have been altered or amended from the last time you used the Service so be sure to read them each time before you make a payment to be certain you still agree with the provisions. Your use of the Service after any changes to these Terms and Conditions will constitute your agreement to such change(s).
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TERMINATION OR DISCONTINUATION
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We reserve the right to terminate the Service at any time, or to terminate your use of the Service. If we terminate your use of the Service, you will need to pay your STATE AUTO bill in another manner.
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DISPUTES
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If there is a dispute regarding the Service, you agree to resolve the dispute in accordance with our dispute resolution procedures and governing law.
These Terms and Conditions are the complete and exclusive statement of the agreement regarding the Services between you and STATE AUTO. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and STATE AUTO relating to the Service. If there is a conflict between what a STATE AUTO employee tells you and the terms of this document, these Terms and Conditions will prevail.
GOVERNING LAW
These Terms and Conditions shall be governed by the laws ofOhio, without regard to the choice of law or conflict of law rules thereof.
You should print and retain this document for safekeeping and reference at any time during usage of the Service.
BY CLICKING THE ACCEPTANCE BOX, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY AND YOU AGREE TO BE BOUND BY THEIR TERMS, AND ANY FUTURE AMENDMENTS, WHICH MAY BE MADE FROM TIME TO TIME.
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