ONLINE PAYMENT TERMS AND CONDITIONS
Welcome to Quick Pay, which is affiliated with and operated by Sentry Insurance a Mutual Company and/or its affiliated and subsidiary companies (collectively, "Sentry"). Sentry is offering this online payment service ("Payment Service") as a convenience option to you, our valued customer ("you" or "your"). Your use of the Payment Service is subject to these Online Payment Terms and Conditions. In addition to these Online Payment Terms and Conditions, you should review our Privacy Policy, which includes important information about the type of information we collect about you, how we collect that information, and what we do with that information. Finally, our website Terms and Conditions govern your use of the Sentry website and all related pages, information, databases, materials and services, including without limitation the Payment Service (collectively, the "Site").

AUTHENTICATION AND AUTHORIZATION FOR PAYMENT SERVICE USAGE

• The Payment Service incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment through the Payment Service. You will not be able to submit a payment until the Payment Service authenticates you based on the valid Sentry account or policy number and the ZIP code associated with that account or policy number (both of which are reflected on the printed bill you receive from Sentry). You will not be allowed to use the Payment Service to make payments to Sentry until you have read these Online Payment Terms and Conditions and have acknowledged doing so by clicking the Acceptance Box on the payment page.
• As the user of the Payment Service, and upon your acceptance of these Online Payment Terms and Conditions, you will have submitted your banking account or debit/credit card account (as applicable, 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 Payment Service.
• The Payment Service may be used for payment on both consumer and commercial accounts.
• If the Designated Account is a business account, then you must be a properly authorized signer on the account.
• By accepting these Online Payment Terms and Conditions, you authorize Sentry, through the Payment Service, to initiate a charge to your Designated Account according to your instructions. Each time you use the Payment Service to make a payment to Sentry, you will be reauthorizing Sentry to charge your Designated Account according to your instructions.
• By accepting these Online Payment Terms and Conditions, you acknowledge that Sentry will send electronic communications regarding payments to the email address you provided in accordance with the Payment Service.
• By accepting these Online Payment Terms and Conditions, you acknowledge that Sentry will retain information you provided in connection with the Payment Service related to you and your Designated Account in accordance with any applicable laws, rules or regulations, or as Sentry is required to do so to comply with its contractual obligations.
• By accepting these Online Payment Terms and Conditions, you agree that:
  1. No payment, or any portion of a payment, will be considered paid until Sentry actually receives payment;
  2. If your banking account has insufficient funds on the effective date of the withdrawal, Sentry may (but is not obligated to) attempt a second withdrawal a few days later and any charges for the initial non-payment or second payment will be paid by you. You will be responsible for any late fees on any payment that is delayed as a result of insufficient funds;
  3. If your payment is not honored for any reason by your bank or debit/credit card company, you are still responsible for making your payment and you will be responsible for any associated late fees;
  4. It is not necessary for any officer or employee of Sentry to sign a debit to your account; and
  5. Sentry will incur no liability if your Designated Account has an insufficient limit or insufficient funds available.
• By accepting these Online Payment 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 authorized to make payments using the Designated Account;
  4. You have read and agreed to our Privacy Policy ;
  5. You have read and agreed to our website Terms and Conditions ; and
  6. VI. Your use of the Payment Service will not violate any local, state, national or international laws or regulations.

SENTRY ONLINE PAYMENT SERVICE

By providing Sentry with the account information for your Designated Account, you authorize Sentry to follow the payment instructions we received from you through the Payment Service (your "Payment Instructions"). By using the Payment Service and providing Payment Instructions, you authorize Sentry to initiate a message to your Designated Account provider to charge your Designated Account and send those funds to Sentry for payment on your policy or account. If you are paying a bill received from Sentry and such payment is received after the due date, then, regardless of any cause except for our failure to reasonably process your payment in accordance with your Payment Instructions, you are responsible for any late charges and interest assessed, the same as if you mailed your payment to Sentry and we received it after the due date. This would be true even if you are unable to access the Payment System due to problems with the Internet, or our servers being temporarily unavailable. Therefore, we recommend that you use the Payment Service at least four (4) business days before the actual due date. (Business days are Monday through Friday, except for federal banking holidays).

APPLICATION SECURITY

Our Sentry Payment Service application employs the following controls and measures:

• Uses Secure Socket Layer (SSL) 128-bit encryption for all transmissions of consumer data in order to assure privacy.
• The password can be changed by the end user at first sign on and subsequently. This further protects the end user from tampering by others.

LIMITATIONS OF LIABILITY AND EXCLUSIONS OF WARRANTIES

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT THE PAYMENT SERVICES ARE FURNISHED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND (INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, SECURITY, CORRECTNESS AND NON-INFRINGEMENT). NONE OF SENTRY, ITS SUBSIDIARIES, AFFILIATES, NOR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND SUPPLIERS (COLLECTIVELY THE "SENTRY PARTIES") MAKE ANY REPRESENTATION OR WARRANTY REGARDING THE PAYMENT SERVICES, AND YOU ACCORDINGLY AGREE THAT THE SENTRY PARTIES ARE NOT RESPONSIBLE FOR, AND DISCLAIM ALL LIABILITY FOR, THE CONTINUED AVAILABILITY, RELIABILITY, ACCURACY, RESULTS OR PERFORMANCE OF THE PAYMENT SERVICES, THE PERFORMANCE OF THE INTERNET, THE DOWNLOADING COMPATIBILITY OF ANY MATERIALS OR SOFTWARE WITH YOUR COMPUTER SYSTEM, THE EXISTENCE OF ANY VIRUS, WORM, MALICIOUS CODE OR OTHER DISABLING DEVICE FROM ANY SOURCE, THE UNAUTHORIZED ACCESS TO OR USE OF YOUR INFORMATION BY A PARTY OTHER THAN SENTRY, ANY TECHNICAL FAILURES (INCLUDING HARDWARE OR SOFTWARE FAILURES), INCOMPLETE, SCRAMBLED, OR DELAYED COMPUTER TRANSMISSIONS, AND/OR TECHNICAL INACCURACIES, OR LOSS OR USE OF DATA, AS WELL AS UNAUTHORIZED ACCESS OF USER TRANSMISSIONS BY THIRD PARTIES ARISING OUT OF OR RELATED TO THESE TERMS. NO ONE IS AUTHORIZED TO MAKE ANY WARRANTY ON SENTRY'S BEHALF, AND YOU CANNOT RELY ON ANY OTHER STATEMENT OF WARRANTY. YOU ASSUME RESPONSIBILITY FOR THE ACCURACY, APPROPRIATENESS, AND LEGALITY OF ANY INFORMATION YOU SUPPLY TO SENTRY.

YOU AGREE THAT THE SENTRY PARTIES ARE NOT LIABLE FOR ANY CONSEQUENTIAL, SPECIAL, INDIRECT, EXEMPLARY, OR PUNITIVE DAMAGES. IN NO EVENT SHALL THE SENTRY PARTIES' TOTAL LIABILITY TO YOU FOR ANY DAMAGES, LOSSES, FEES AND EXPENSES (INCLUDING ATTORNEYS' FEES), WHETHER IN CONTRACT, TORT, TRESPASS OR OTHERWISE EXCEED THE AMOUNT (IF ANY) PAID BY YOU TO SENTRY TO PURCHASE THE PARTICULAR PRODUCTS OR SERVICES WHICH FORM THE BASIS OF YOUR CLAIM, THE AMOUNTS PAID BY YOU TO SENTRY TO PURCHASE PRODUCTS OR SERVICES IN THE THREE (3) MONTHS PRECEDING ANY CLAIM WHERE YOUR CLAIM DOES NOT RELATE TO PRODUCTS OR SERVICES PURCHASED, OR $100 IF YOU HAVE NOT PAID ANY AMOUNTS TO SENTRY. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE WAIVER OF CERTAIN WARRANTIES, OR LIMITATIONS OR DAMAGES WAIVERS DESCRIBED IN THIS SECTION, SOME OF THESE WAIVERS AND LIMITATIONS MAY NOT APPLY TO YOU. YOU AGREE TO PROMPTLY NOTIFY SENTRY IN WRITING IF YOU BELIEVE YOU HAVE ANY CLAIM AGAINST THE SENTRY PARTIES, AND, IN ANY EVENT, YOU AGREE THAT ANY CLAIM NOT BROUGHT WITHIN ONE YEAR OF YOUR DISCOVERY SHALL BE DEEMED WAIVED AND RELEASED.

If you provide Sentry with an e-mail address for information delivery or otherwise request a non-secure delivery of information, you agree not to hold Sentry responsible for any misuse or unauthorized viewing of that information.

ALTERATIONS AND AMENDMENTS

These Online Payment Terms and Conditions and any policies referenced herein or attached hereto are the legal binding agreement between Sentry and you with respect to the Payment Service. You will be agreeing to the current provisions of these Online Payment Terms and Conditions each time a payment is made using the Payment Service. These Online Payment Terms and Conditions may have been altered or amended from the last time you used the Payment Service so be sure to read it each time before you make a payment to be certain you still agree with its provisions. Your use of the Payment Service after any changes to these Online Payment Terms and Conditions will constitute your agreement to such change(s).

TERMINATION OR DISCONTINUATION

We reserve the right to terminate the Payment Service at any time, or to terminate your use of the Payment Service. If we terminate your use of the Payment Service, you will need to pay your Sentry bill or premium in another manner.

DISPUTES

If there is a dispute regarding the Payment Service, you agree to resolve the dispute in accordance with the dispute resolution procedures and governing law as outlined in the website Terms and Conditions.

These Online Payment Terms and Conditions, and any policies referenced herein or attached hereto are the complete and exclusive statement of the agreement between you and Sentry regarding the Payment Service. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and Sentry specifically relating to the Payment Service. If there is a conflict between what a Sentry employee tells you and the terms of this document, these Online Payment Terms and Conditions will prevail.

You should print and retain this document for safekeeping and reference at any time during usage of the Payment Service.

BY CLICKING THE ACCEPTANCE BOX ON THE PAYMENT PAGE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE ONLINE PAYMENT TERMS AND CONDITIONS, THE WEBSITE TERMS AND CONDITIONS , AND OUR PRIVACY POLICY AND YOU AGREE TO BE BOUND BY THEIR TERMS, AND ANY FUTURE AMENDMENTS, WHICH MAY BE MADE BY SENTRY FROM TIME TO TIME.

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, Wisconsin. Click here for a listing of companies. Individual life insurance, annuities, pensions and group products are issued and administered by Sentry Life Insurance Company, Stevens Point, Wisconsin.
Click here for a complete list of the Sentry Insurance Group's underwriting companies and important legal disclaimers.