Paperless Document's Terms and Conditions
Please read the following Terms and Conditions carefully. By electing to enroll in our Paperless Documents Option, you agree to be bound by them. If you do not agree with any of these terms and conditions, you may not enroll in the Paperless Documents option.
We reserve the right to modify these Terms and Conditions at any time. Continued participation in the Paperless Documents Option will constitute your acceptance of any revisions to the Terms and Conditions. Please check the Terms and Conditions on the Paperless Preferences page of our Web site regularly.
What is this Service?
Paperless Documents provides you, the policy holder with an e-mail notification service that will notify you of your policy documents rather than the insurance company mailing them to you via USPS. You will receive an e-mail when your insurance policy is updated, billing notification and when urgent policy action is required. Unless explicitly stated otherwise, any new features that augment or enhance the current service shall be subject to this disclosure updates.
Will it cost me a monthly fee to sign up for Paperless Documents?
No. Paperless Documents is a service offered free of charge to all policy holders.
What are the hardware and software requirements?
Hardware Requirements: You will need access to the Internet and a valid e-mail account.
To the extent of receiving the e-mail notification and your access to our site via the link provided in the e-mail to review the document(s) through a mobile or wireless device, a subscribed and chargeable hot spot, the carrier's standard charges, data rates, and other fees that may apply as a result of the access are your responsibility and not ours.
Software Requirements: You will need Adobe Acrobat Reader version 4.0 or greater to view Paperless documents.
Note: Our web pages are designed for, and verified with, Microsoft Internet Explorer 8.x, Microsoft Internet Explorer 9.x, and Microsoft Internet Explorer 10.x. Other browsers will also work with our site, but we do not support them.
Should we make changes to the hardware or software requirements for the Paperless Documents Option such that you may no longer be capable of accessing or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements. You will then need to review the new requirements and indicate your consent to continue participating in the Paperless Documents Option according to the new requirements.
What are my responsibilities?
Once you enroll in the Paperless Documents Option, it is your responsibility to inform us of any changes to your e-mail address. It is also your responsibility to keep your e-mail address current and your e-mail account active as it is your responsibility to ensure that your e-mail account is always capable of receiving new e-mails. To do this, ensure that your e-mail account has sufficient space for new e-mails and that your e-mail server or host provider and spam-blocking software do not block our e-mails. This includes ensuring that our e-mails are not ending up in your junk file or are deleted due to an e-mail rule you have established. We are not responsible for problems arising from e-mails sent to an inactive or out-of-date e-mail address.
In the event you do not receive billing notification, it is your responsibility to log into our site and check the Home page notification regarding your insurance invoice and account balance(s).
It is still your responsibility to inform us of any changes to your postal address. Your enrollment in the Paperless Documents Option does not absolve us of our legal obligation to send some documents by U.S. mail. And it does not absolve you of your obligation to notify us when there is a change to your postal address.
What e-mail address will my notifications be sent from?
Your notifications will come from firstname.lastname@example.org. Please add email@example.com to your list of safe e-mail contacts to ensure these messages go to your inbox and do not get routed to your junk mail folder.
What happens if an e-mail is returned as undeliverable?
If an e-mail is returned to us as undeliverable, we will send you a paper version of the relevant document. If we are unable to verify the e-mail address we have within a 24 hour period we will un-enroll you from the Paperless Documents option. You can re-enroll in the Paperless Documents Option by providing a corrected, valid e-mail address and completing the enrollment process again.
Which documents will I receive electronically?
You will receive all documents and bills electronically except the documents legally required to be sent by mail. There may be some documents that we cannot deliver electronically due to legal and technological constraints in your state. These documents will be delivered to you via USPS to your postal address.
By accepting or otherwise using the Paperless Documents service, you agree that any and all notices, disclosures and communications regarding your insurance policy between you and Homeowners of America including these Terms and Conditions, may be made electronically, including by Homeowners of America posting to the Insured Web website in accordance with applicable law. Any electronic notice, disclosure or communication Homeowners of America makes will be considered made when transmitted by the Paperless Documents service.
How do I access my documents?
You will receive an email notifying you that documents and/or bills are ready to be viewed. All you have to do is click on the link and you will see the document(s).
Please Note: Since our web pages are designed for, and verified with, Microsoft Internet Explorer 8.x, Microsoft Internet Explorer 9.x, and Microsoft Internet Explorer 10.x. you should understand that if you access your e-mail via a medium like a mobile phone which uses a browser other than Microsoft Internet Explorer may or may not work, however all other browsers are not supported at this time by us.
Are there any practices regarding use and storage that I need to be aware of?
You acknowledge that Homeowners of America has established practices and limits concerning use of the Paperless Document service, including the maximum period of time that the related data or other content will be retained by Homeowners of America based on the status of your insurance policy. You agree that should your policy be in a cancelled or expired status you will not be able to view any documents from the site or the Paperless Document service prior saved e-mails that you possess. You further acknowledge that Homeowner of America reserves the right to change these practices at any time, in its sole discretion, with or without notice.
How can I un-enroll from the Paperless Documents Option?
You may unsubscribe from the Paperless Documents Option at any time. Upon the confirmed action to unsubscribe from the Paperless Documents Option, all insurance documents from the time of your action to unsubscribe going forward will be mailed to your postal address via USPS (please allow up to 24 hours to process your un-enrollment). You may unsubscribe by doing any of the following:
How can I request reprints of my documents to be sent via USPS?
If you are unable to view or print your document(s) from our Web site, you may request paper copies of your documents, free of charge, at any time. The paper copy will be mailed to your postal address via USPS. You may request a paper copy of a document by:
Be advised that requesting a paper copy of a previously e-mailed document does not change any dates associated with the original document.
What Else Should I know?
EXCLUSIONS OF WARRANTIES. TO THE EXTENT PERMITTED BY LAW, THIS SERVICE IS PROVIDED "AS IS", "WITH ALL FAULTS", AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMIT, WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. I ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THE SERVICE HOMEOWNERS OF AMERICA DOES NOT WARRANT THAT THE INFORMATION, PROCESSES, OR SERVICES WILL BE UNINTERRUPTED, ACCURATE, COMPLETE, USEFUL, FUNCTIONAL, BUG OR ERROR-FREE. IF APPLICABLE STATE LAW DOES NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, THE RELEVANT PORTIONS OF THE ABOVE EXCLUSION MAY NOT APPLY TO ME.
Questions and Disputes
In case of questions regarding your Paperless Document transactions, contact Homeowner of America by email at firstname.lastname@example.org or by calling Customer Service at 1-866-407-9896, Monday through Friday 8:00AM to 6:00PM CST (excluding holidays).
YOUR AGREEMENT TO SUBSCRIBE TO PAPERLESS DOCUMENTS CONFIRMS THAT YOU HAVE READ AND UNDERSTAND THE FOREGOING AGREEMENT AND AGREE TO BE BOUND BY ALL ITS TERMS AND CONDITIONS.