“We,” “us” and “our” mean the insurance company(ies) authorized to process One-time or Automatic Bank Payment withdrawals or Payment Card charges for insurance payments. “You,” “your” and “yours” mean the person(s) authorizing the One-time or Automatic Bank Payment withdrawals or Payment Card charges for insurance payments. “Automatic Payments” means either withdrawals automatically deducted from your designated bank account or charges automatically applied to your designated Payment Card on the scheduled due dates for the amounts due. “Automatic Bank Payment” means electronic funds transfer (EFT) withdrawals automatically being deducted from your designated Bank Account on the scheduled withdrawal dates for the amounts due. “Payment Card” means any credit or debit card, including reloadable pre-paid cards. “Business day” means Monday through Friday, excluding our company holidays.
You authorize us to use a third party to process the authorized One-time or Automatic Bank Payment withdrawals or Payment Card charges.
a) Funds available in the designated bank account on the payment date, whether or not the date falls on a business day. (Note: It may take 3-5 business days for your bank account to reflect the payment.); or
b) Funds available in the designated Payment Card account on the payment date, whether or not the date falls on a business day.
One-time or Automatic Bank Payment withdrawals that are not honored for reasons such as insufficient funds may be resubmitted at our discretion. If we are unable to electronically withdraw the funds from your bank account or charge the payment to your Payment Card, any corresponding payment posted in good faith will be reversed from your policy and a cancellation notice may be issued.
If a payment is not honored, we may remove your policy from the Automatic Payment method.
If we receive multiple returned Automatic Payments, your policy may become ineligible for the Automatic Payment process, set at our discretion.
Regarding cancellation notices: If we send you a cancellation notice for the designated policy, we will not process an Automatic Payment withdrawal or charge for the amount due. To continue your coverage, you must pay the amount due by another method. Contact your insurance representative or call us at 1-800-532-4221 during normal business hours for assistance.
NOTE: If we receive a request to cancel the policy, please check the status of the outstanding billing statement at that time. We will discontinue future Automatic Payments once we process the request to cancel the policy; however, it is possible that an Automatic Bank Payment withdrawal or Payment Card charge may be processed about the same time as the policy cancellation.
This one-time payment option shall only be used by actual and bona-fide customers of ours. You shall not use this one-time payment option, or any information contained herein, for any commercial use. Third-party commercial payment aggregators (third-party payment servicers or processors, or any other entities submitting payments on behalf of our customers) may not submit payments using this one-time payment option. You hereby agree to be liable to us for all interchange fees and merchant fees, and all other costs and fees associated with processing all payments submitted by you in violation of this section. You further agree to be liable to us for all other damages, costs, fees, expenses, and reasonable attorney fees incurred by us arising out of, or related to, your breach of this section and our enforcement thereof.
THE ONE-TIME BANK PAYMENT, ONE-TIME PAYMENT CARD PAYMENT, AUTOMATIC BANK PAYMENT AND AUTOMATIC PAYMENT CARD PROCESSING SERVICES AND RELATED DOCUMENTATION ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
In addition, we do not warrant, guarantee or make any representations regarding the security of bank or Payment Card accounts, or that the website is free from destructive materials, including, but not limited to, computer viruses, hackers, or other technical sabotage, nor does it warrant, guarantee or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free.
IN NO EVENT WILL WE OR OUR AFFILIATES BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, COMPENSATORY, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES, INCLUDING WITHOUT LIMITATION LOST OR MISDIRECTED APPLICATIONS, LOST PROFITS, LOST GOODWILL, OR LOST OR STOLEN PROGRAMS OR OTHER DATA, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY ARISING OUT OF OR IN CONNECTION WITH (1) USE OF THE WEBSITE, OR THE INABILITY TO USE THE WEBSITE BY ANY PARTY; OR (2) ANY FAILURE OR PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION; OR (3) LINE OR SYSTEM FAILURE OR THE INTRODUCTION OF A COMPUTER VIRUS, OR OTHER TECHNICAL SABOTAGE, EVEN IF WE OR OUR AFFILIATES, OR THE EMPLOYEES OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, LOSSES OR EXPENSES.
We use encryption to make your information unreadable as it passes over the Internet. We strongly recommend that you use the latest version of your browser software for maximum security.
You are responsible for reviewing any billing statements and notices mailed to you or otherwise presented to you on this site. Billing statements and notices contain important information about your policy.
Information stored on this site is kept under physical, electronic or procedural controls that comply with or exceed government and industry standards. We authorize our employees and agents to get information about you only when they need it to do their work for us. We require companies working for us to protect information. They agree to use it only to provide services we ask them to perform for us.
If you need to change or stop a One-time bank payment withdrawal after you have submitted your request, contact us at 1-800-532-4221 prior to 6:30 p.m. Central Time the same business day your transaction was submitted. After 6:30 p.m. Central Time, the transactions for the day will begin processing and no changes can be made.
The authorization for Automatic Payments remains in effect until we have received written notice from you of its termination, in such time and manner as to afford us a reasonable opportunity to act upon it. To discontinue Automatic Payments, update your account on this site or send a signed, written request to Foremost Specialty Lines, Attention: PayOnline, P.O. Box 3218, Grand Rapids, MI 49501. Written notice should contain your policy number and your request to stop the automatic withdrawals or charges. Please print and sign your name and date the request.
NOTE: Please allow up to two weeks for processing your request. Withdrawals scheduled within two weeks after your request may still take place. If you are signed up to have your payments automatically withdrawn electronically and decide to request a cancellation of your policy, please check the status of your outstanding bills at that time. Although we will discontinue future automatic withdrawals or charges once we process your request to cancel your policy, it’s possible that an automatic withdrawal or charge may have begun to process around the same time as the policy cancellation.
For your policy to be set up on a 12-payment plan, you must also be enrolled for Automatic Payments. If you are not, or if you stop Automatic Payments, the policy billing may be adjusted to a different payment plan and the payment schedule changed accordingly. (Not applicable in Colorado.)
You agree not to allow your User ID and Password to be used by any unauthorized individuals. You are responsible for all payments authorized using this site. If you permit other persons to use this site, or your User ID and Password, you are responsible for any transactions they authorize. If you believe your User ID and Password have been lost or stolen or that someone may attempt to use this site without your consent, you must notify us at once by calling us at 1-800-532-4221 during normal business hours.
It is your sole responsibility to ensure that your contact and account information is current and accurate, as well as your bank or Payment Card account information. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate account, bank account, Payment Card account or contact information. Account and contact information can include, but is not limited to, items such as your policy number, name, phone number, address, email address, and account or Payment Card account information. To change this information, either update your account and/or your bank account or Payment Card account on this site or contact us at 1-800-532-4221 during normal business hours.
If you need to change information specific to your policy, such as your mailing address, property location or coverages, please contact your insurance representative.
We reserve the right to change these Terms and Conditions at any time.
If your policy has no outstanding balance at the time we receive a payment, we will credit the payment back to your account. For all other refunds, we will pay you by check.
This site is currently available at no charge. However, we reserve the right to charge fees for this site in the future. Any such fee may be amended from time to time in accordance with these Terms and Conditions. All other fees that currently apply to your policy or chosen payment plan remain in effect.
Any failure by us to act upon any breach of these Terms and Conditions shall not be deemed to constitute a waiver of any subsequent breach of that or any other term or condition, or of any right to thereafter enforce these Terms and Conditions.
You may write to us at: Foremost Specialty Lines, Attention: PayOnline, P.O. Box 3218, Grand Rapids, MI 49501. Or, you may call us during normal business hours at 1-800-532-4221.
We are pleased to offer electronic delivery of billing notices and billing documents. If you choose electronic delivery only those eligible policies you have selected will be enrolled for this service.
Paperless Billing refers to our services on this site where you may electronically view bills and billing-related notices and documents. You agree to be bound by these Paperless Billing Terms and Conditions in addition to the other Terms of Use for this site. If you do not agree with any of these Terms and Conditions, and the Terms of Use, you may not enroll in Paperless Billing.
By enrolling in Paperless Billing and consenting to electronic delivery, you accept and agree to the following:
You will maintain a valid, current email address and immediately notify us any of change in your email address. Ensure that your email is active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam-blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, unless we are solely negligent for using an incorrect address. If an email is returned to us as undeliverable, we will notify you to update your email address through your agent and/or www.foremostpayonline.com. We will also resend the email. If it is returned once again as undeliverable, and there is no other active email address of a named insured associated with the policies attached to your selected billing account as explained below, we will presume that you have withdrawn your consent, you will be unenrolled in Paperless Billing, and all available billing documents will be sent to you via the United States Postal Service (USPS) to your postal address. Note that you will always have the ability to access www.foremostpayonline.com and view your billing documents on demand.
Specific disclosures and consent language may be required by certain states. Please read the disclosures or consent language below applicable to the state for which your policy is issued.
For policyholders of the state of Georgia who have elected to receive all mailings and communications electronically, you hereby agree as follows:
I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES.
The policyholder who elects to allow for selected policy documents, available notices and communications to be sent to the electronic mail address provided by the policyholder should be aware that the election operates as consent by the policyholder for notices to be sent electronically, which may include notice of nonrenewal and cancellation. Therefore, the policyholder should be diligent in updating the electronic mail address provided to the insurer in the event that the address should change.