MHP/Hanover Mobile App & Paperless Terms and Conditions

A. MHP/Hanover Mobile App

User ID/ Password Registration:

Some Web sites of The Hanover Insurance Group are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access to such sites is strictly prohibited. The Hanover Insurance Group or The Hanover refers to a group of companies which are subsidiaries or affiliates of The Hanover Insurance Group, Inc.

In accessing our sites requiring a User ID and password, you agree that:

The Hanover Insurance Group is entitled to act on instructions received under your User ID and password.

The Hanover Insurance Group is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of The Hanover Insurance Group.

You agree to keep your password confidential and to notify The Hanover Insurance Group immediately if you believe someone else has obtained your User ID and password or any unauthorized access to your account has occurred or may occur.

The Hanover Insurance Group may block access to your account without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Third-Party Sites:

This site contains a link to a Third-party vendor with which The Hanover Insurance Group has contracted to accept on-line payments. The Third-party site is not maintained or controlled by The Hanover Insurance Group. This link is provided solely for your convenience. The Hanover Insurance Group will pass on minimal information provided by you to the Third-party vendor to facilitate your enrollment for on-line bill payment. We recommend that you take the time to read the privacy policies of the Third-party vendor on its website.

With respect to on-line or EFT bill payment:

Funds are deducted from your account based on when payments are scheduled. Payment on a cancelled policy does not constitute reinstatement of the policy.

If a cancellation is pending, unless full payment is received prior to the cancellation effective date and time the policy will cancel for non-payment of premiums.

Should payment be returned for insufficient funds or account closed, a processing fee may be applied to your policy. Fee amount(s) will vary by state.

B. The Hanover Electronic Delivery of Documents Program (Paperless)

To receive your insurance documents provided through The Hanover's Electronic Documents Delivery Program ("Program") instead of having the documents sent through the mail, you must enroll in the Program. You may choose to enroll your Policy(ies), (as hereinafter defined) in the Program. By enrolling in the Program, you confirm that you have read and agree to these Terms and Conditions of the Program (the "Terms and Conditions").

For purposes of these Terms and Conditions, and the Program, the words "we," "us," and "our" refer to The Hanover*. The words "you" and "your" refer to the "Named Insured(s)" on the applicable policy(ies) who is enrolling in the Program. The words "Electronic Delivery" mean delivery of certain documents, as further described in these Terms and Conditions, through the Program instead of through the mail.

When capitalized, the words "Policy," "Policies" or "Policy(ies)" mean all the policy or policies you have with The Hanover are enrolled in the Program. Each policy you have with us would be enrolled in the Program if you choose to enroll in the Program. By enrolling in the program, you agree to receive policy documents related to all Policy(ies) by Electronic Delivery. Only one Named Insured's consent is required to enroll a Policy or policies in the Program, regardless of the number of Named Insureds on the Policy.

You expressly represent that you are a Named Insured on the Policy(ies) and that you have authority to act on behalf of all Named Insureds on the Policy(ies). Your consent to Electronic Delivery of documents will remain in effect and will apply to all future renewals, continuations, replacements and changes to any Policy(ies) unless you revoke your consent in accordance with these Terms and Conditions or we terminate the Program or your enrollment.

You specifically and expressly acknowledge, by agreeing to these Terms and Conditions (i) that some of the Documents to be provided by Electronic Delivery will contain confidential information and information regarding your personal financial matters ("Personal Financial Information") and other personally identifiable information; and (ii) you expressly consent to our providing such confidential information, Personal Financial Information and other personally identifiable information by Electronic Delivery as described in these Terms and Conditions. This consent shall remain in effect until withdrawn by you in accordance with these Terms and Conditions.

Texting Communication

You can enroll in the Hanover Text messaging service when you purchase a Hanover policy or submit a claim. Participation in the service is not a condition for purchase of a Hanover policy. This text messaging service enables you to receive and respond to messages related to your Hanover policy, products and services offered by Hanover. Message and data charges may apply to text communication. You may opt-out of any selected texting option at any time and you will no longer receive text messages for that option. You authorize Hanover to use auto dialer or non- auto technology to send text messages to the mobile phone number you used to enroll in Hanover text messaging service. By selecting a texting option and providing your mobile phone number to enroll in Hanover text messaging service, you consent to receive text messages from Hanover.

How to Withdraw Consent

You may withdraw your consent to electronic delivery of documents (paperless) or text messages by indicating your preference in your My Profile and Communication Preferences section of MHP (or Communication Preferences in The Hanover Mobile app) or when speaking with a Customer Service Representative. At our option, we may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic communications. A withdrawal of your consent to transact business electronically will be effective only after we have had a reasonable period of time to process your request.

Disclaimer of Liability

We are not liable for any loss, liability, cost, expense or claim arising out of your enrollment in the Program or your election to receive Documents by Electronic Delivery. Prior to your enrollment in the Program, you should carefully consider and determine whether Electronic Delivery of documents under the Program is the right choice for you.

Documents to be Provided by Electronic Delivery

The following definitions apply under these Terms and Conditions:

"Policy Documents" means:

insurance policies, policy jackets, endorsements and declarations pages, renewal declarations pages, privacy policy, important notices, automobile id cards, change declarations, consumer bills of rights, newsletters, information about your policy, underwriting documentation, applications, questionnaires, surveys, cancellation notice (cancellation notice will also be sent in the mail) and any other documents related to your insurance as we may determine.

Some Documents are not available currently for Electronic Delivery. We will continue to send those Documents to you by mail. When Documents become available for Electronic Delivery in the future, we may automatically start sending them by Electronic Delivery and stop mailing them to you, without any further notice. Your consent to Electronic Delivery applies both to Documents that are currently available for Electronic Delivery and to Documents that may become available for Electronic Delivery in the future.

Method of Electronic Delivery

Electronic Delivery of Documents under the Program means we will send a notice to the Email Address of Record (as hereinafter defined) that a Document is available for you to view on at www.myhanoverpolicy.com or Hanover Mobile App. You will need to create a username and password to access the website or the app and view your Document. If we determine or detect that our email to you was not delivered successfully, we may contact or mail you a notice that your document is available to view online. We may choose not to use Electronic Delivery for certain Documents or at certain times and, instead, may mail the Document. In some circumstances, we may choose to send a Document both by Electronic Delivery and by mail. A Document we send by Electronic Delivery is considered delivered when sent, regardless of whether you actually access or view the Document.

Your Obligations to View Documents

You agree to access My Hanover Policy or Hanover Mobile App promptly upon receipt of notification that Documents have been posted. You confirm that you have the necessary technical ability and resources to do so. You acknowledge that technical and security requirements for access to the My Hanover Policy or Hanover Mobile App may change from time to time. If you are unable to access the My Hanover Policy or Hanover Mobile App to meet your obligations under this section for any reason, you should revoke your consent as provided under "Revoking Consent for Electronic Delivery". We are not responsible for any damages due to your failure or inability to access the portal.

Mail Delivery

When we say we will mail a Document to you, we mean we will mail the Document to the address shown in the declarations page of the Policy.

Email Address of Record

You will need to designate an email address (your "Email Address of Record") for the Program at the time of setting up an account on www.myhanoverpolicy.com or in the Hanover Mobile App. Your Email Address of Record is the email address we will use to notify you of Electronic Delivery of Documents for you to access at www.myhanoverpolicy.com or the Hanover Mobile App. The Email Address of Record must be the email address of a Named Insured on the Policy(ies) who has authority to act on behalf of all Named Insureds on the Policy(ies)

You can change or update your Email Address of Record either by logging into www.myhanoverpolicy.com or Hanover Mobile App and updating your email address on the profile page or by contacting us at 800.853.7536.

The Email Address of Record for your policies is the last Email Address of Record we have in our files for the policies. It is your responsibility to notify us of any changes or updates to an Email Address of Record. You are responsible for ensuring that we have the correct Email Address of Record for your policies. We will not be liable for any loss, liability, cost, expense or claim arising out of an incorrect Email Address of Record.

Time for Enrollment, Changes or Revoking Consent to Become Effective

It may take a period of time for us to process your enrollment in the Program or any changes you request after your enrollment. We will send Documents to you by mail until we process your enrollment. Requests for change(s) to your Email Address of Record or revocation of your consent to Electronic Delivery of Documents are not effective until we process the change and send you a confirmation.

Hardware and Software Requirements

Before agreeing to Electronic Delivery of Documents, you must determine whether you have the necessary hardware and software to access and retain Documents electronically. To access and view the Documents we provide by Electronic Delivery, you must have a valid email address, Adobe Acrobat Reader, and a personal computer, tablet, or mobile device with access to the internet, equipped with a modem or other access device, able to download or print documents and a current version of a PDF reader. You need one of the following browsers or devices: Internet Explorer 11 or above, Chrome 56 or above, Firefox 51 or above, Safari 5.1 or above, iPhone 6, iPhone 6S, iPhone 7 or higher, Samsung Galaxy S6, Samsung Galaxy Tab or above. It is your responsibility to select, install, maintain, and operate your personal computer and software or mobile device. We are not responsible for any errors, malfunctions or failures of your personal computer and software or mobile device. You must ensure that your personal computer and software or mobile device are compatible with www.myhanoverpolicy.com or Hanover Mobile App and any other internet sites operated by us. By enrolling in the Program, you confirm that your personal computer, tablet or mobile device, and software, as applicable, meet the requirements for the Program.

Termination

This agreement is voluntary. You may terminate your enrollment in the Program at any time by revoking your consent as provided in Revoking Consent for Electronic Delivery. We may terminate the Program, your enrollment in the Program, or enrollment of any Policy, at any time. If your enrollment or the Program itself is terminated, we will resume mailing Documents.

Modification to Terms and Conditions

We reserve the right to modify these Terms and Conditions from time to time, without your consent. When we do, we will provide you with the modified Terms and Conditions by Electronic Delivery. If you do not agree with the Terms and Conditions at any time, you may revoke your consent for Electronic Delivery as set forth in these Terms and Conditions.

Communications in Writing

We may communicate with you in paper form or by electronic means, including text messages. Message and data charges may apply to text communication. All communications from us to you in either electronic or paper form is deemed to be "in writing." Please print or download for your records a copy of all Documents and this Terms and Conditions.

Paper Documents

You may request a paper copy of your Documents at any time at no additional charge by calling Hanover Customer Service at 800.853.7536.

Governing Law

Your consent to receive Documents electronically is a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act and to state laws affecting electronic transactions. You and we both intend that these laws apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Consent

By checking the box, you confirm that you have read and understand these Terms and Conditions for Electronic Delivery of Documents Program in their entirety and consent to them, that you agree to be bound by these Terms and Conditions, that your hardware and software that meet the requirements set forth herein, that you are able to access and retain Documents presented to you on My Hanover Policy or Hanover Mobile App, that you have printed or stored a copy of these Terms and Conditions of Electronic Delivery of Documents and that your agreement to these Terms and Conditions is legally binding and enforceable and the legal equivalent of your handwritten signature.

*The Hanover Insurance Company and its insurance company property and casualty affiliates and subsidiaries.