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 selected Lancer 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

•	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.
•	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.
•	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.
•	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.
•	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 Lancer providing you with information related to the delivery of Lancer products and services.
•	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.
•	By accepting these Terms and Conditions, you represent and warrant that:
	1. You are 18 years old or older; 2. You are using your actual identity and any information you provide is accurate and complete; 3. You are legally authorized to make payments using the Designated Account; 4. You have read and agreed to our Privacy Policy; and 5. Your use of the Service will not violate any local, state, federal or international laws or regulations.

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 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 as 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 viruses; (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.

*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.