Terms and Conditions of American Modern Electronic Delivery
For purposes of this Agreement: “we,” “us,” “our,” or “the company” refers to American Modern Insurance Group, Inc. and its subsidiary companies (“American Modern”) unless otherwise indicated by specific reference to a particular company. These subsidiaries include, but are not limited to, American Modern Home Insurance Company, American Family Home Insurance Company, American Modern Select Insurance Company, American Southern Home Insurance Company, American Modern Llyods Insurance Company, American Modern Insurance Company of Florida, Inc., American Western Home Insurance Company, American Modern Surplus Lines Insurance Company, and First Marine Insurance Company. “You and “Yours” refers to the owner(s) of one or more policies/accounts issued or offered by any one of us. American Modern provides the electronic services, as described in this Agreement, as a convenience to you. American Modern also provides administrative services to certain of its subsidiaries, which provide materials, information and services to you.
This Agreement is consent, applying to all types of electronic transactions and records that may be provided or made available during the course of your relationship with us. When you consent to the terms of this Agreement, you consent to receive notices and communications from us relating to policies or accounts you own and other materials regarding our products electronically, to the extent available. Your consent permits us to replace paper delivery with electronic delivery as electronic delivery of these documents become available including notice nonrenewal and cancellation . When you consent to the terms of this Agreement, you consent to delivery of the documents through updates to a American Modern Insurance Group website and/or e-mail to the e-mail address you provided. Until electronic delivery is initiated for certain documents, you will continue to receive paper copies of these documents. If a law requires us to provide, send or deliver information to you by a specific manner, such as U.S. mail, we will continue to do so.
Monitoring Email & Accessing Online Account
You agree to monitor the Online Services account daily. From time to time, we will send important materials to your online account, including your policy, billing statements and other important notices. You may access this information at any time by logging in to the secure web portal. When this happens, we will attempt to notify you by email and/or sms text message as a reminder to log into your account and review the documents.You agree to assume responsibility for the regular monitoring of and response to notifications we send to the email address you have provided us so as to access documents in your secure account and pay bills in a timely manner. You will be able to access your secure account either by visiting www.amig.com and clicking on the link to the log-in page or by visiting https://my.doculivery.com/External/AMIG/login.aspx (“web portal”). Failure to receive an e-mail or sms text notification that documents are available on your online account does not relieve you of your responsibility to make payments or to return any required documents.
Legal Effect of Electronic Documents
All notices, disclosures, authorizations, acknowledgements and other documents, relating to your insurance policy, may be provided to you in electronic form in your secure online account and have the same legal effect as printed copies. At our discretion, we may choose to continue sending some notices to you in paper form at your regular mailing address.
Your rights relating to our insurance policy may be dependent upon when you receive notices from us. You are considered to have received information from us when new documents or notices have been posted in your online account.
If the law requires us to provide particular information in writing, we may choose to provide that information in addition by posting the information in your online account.
Maintaining an Active Email Address
You agree that it is your responsibility to maintain an active email account, keep us apprised of any change to email address you have provided us and take reasonable measures to ensure that spam blockers don’t prevent our email notifications from reaching you. If you wish to change the email address where we send the notices and disclosures to you, you can log on to the web portal and change your email address in the “My Preferences” section. If American Modern determines that your email address is not accepting or is rejecting our email notices, American Modern may remove you from Electronic Delivery and revert to paper delivery of documents without notice.
Opting Out of Online Services
You have the right to cancel your Online Services account or change your delivery preferences at anytime and return to receiving all documents and notices through the mail. If you choose to withdraw your consent, access to your online account will be terminated and you will no longer have access to your documents online. It is recommended that you download or print current documents for your personal files before opting-out. To withdraw your consent or change your delivery preferences to receive future notices and disclosures in an electronic form as described above, you can change your settings in the “My Preferences” section of the web portal, or call us toll free at 1-855-469-2644. Please allow 24 hours to process this request.
Right to Request Paper Copies
You will have the ability to download PDF versions of documents to your own computer and print them locally. If, however, you would like us to send you a paper copy of any of the materials delivered via the web portal, you may contact us at 1-855-469-2644 and request a copy.
Hardware and Software Requirements
You agree to possess and sufficiently maintain computer hardware or a mobile device with software that will allow you (1) to access the web portal via the World Wide Web (internet), (2) the ability to download and print documents and (3) allow you to view PDF documents via a current version of an Adobe Acrobat reader. If you don’t have the ability to view PDFS, you can download the free software here. If you elect to receive notification delivered to a personal mobile phone, you will need the kind of phone and service plan that enable you to receive those messages. Standard messaging rates from your carrier may apply. If you have trouble accessing the web portal to retrieve information to be provided in this way, you must contact us at 1-855-469-2644.
Privacy Notice & Notice of Information Practices
This Agreement shall incorporate the American Modern Insurance Group Privacy Notice and Notice of Information Practices and the Legal Terms and Conditions found in the Manage My Policy section of the web portal.
Right to Revise or Discontinue
This Agreement may be updated or amended at any time by American Modern and further use of the Electronic Delivery capability shall constitute acceptance of those terms. American Modern reserves the right to change or discontinue, temporarily or permanently, your access to the service or the service itself at any time without notice and resume distribution through the mail.
American Modern does not warrant or guarantee the Electronic Delivery of the notices or documents will be free of technical difficulties, uninterrupted, timely and error-free or that the system or web portal will be free of defects. If you have trouble accessing the web portal to retrieve information to be provided in this way, you must contact us at 1-855-469-2644.
User ID and Password
You will choose a user ID and password when registering in the web portal. You are responsible for protecting the confidentiality of the user ID and password. You are responsible for all activities that occur in the web portal that occur when your user ID and password are logged-in, including any actions taken by third parties.
You are accepting the Online Services service on an "AS-IS" basis. Any information, services, materials or other items on this site are provided "as is" and "as available" without any warranty of any kind, either expressed or implied, including and without limitation the implied warranties of merchantability and fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling components. American Modern shall not be liable for any errors or omissions relating to the administration of the Online Services for any injury, losses, claim or damages, direct, indirect, incidental, special or consequential resulting from Your use of the service.