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  • My Hanover Policy Portal and App Terms of Service
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My Hanover Policy Portal and App Terms of Service

These terms were last updated on June 30, 2025

Please read these Terms of Service (“Terms of Service” or “Terms”) carefully. These Terms of Service are between you and the entities comprising the Hanover Insurance Group (“Hanover,” or “we,” “us,” or “our”) concerning your use of the My Hanover Policy portal (“MHP”) and the Hanover Mobile App (the “App”) (collectively the “Digital Properties”).

Please read these Terms carefully before you access or use the Digital Properties. By using the Digital Properties or by clicking to accept or agree to these Terms , you accept and agree to ABIDE AND be bound by these Terms of Service and our PRIVACY POLICy AND Privacy Notice, available in our Privacy Center, incorporated herein by reference (collectively, “Privacy Notices”). If you do not agree to these Terms of Service or the Privacy NoticeS, you must not access or use the Digital Properties.

The Digital Properties are controlled and/or operated from the United States and is intended only for individuals residing in the United States. The Digital Properties are not intended to subject us to non-U.S. jurisdiction or laws. We do not in any way imply that the Digital Properties are available or intended for use outside the United States or in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. If you access or use the Digital Properties from outside of the United States, you do so at your own risk, and you are responsible for complying with all local laws, rules, and regulations in such jurisdiction. We may, in our sole discretion, at any time, limit the availability, in whole or in part, of the Digital Properties to any person or jurisdiction we choose. 

  1. Ability to Enter Into These Terms. The Digital Properties are offered and available to users who reside in the United States and have the power to enter a binding contract with us and not be barred from doing so under any applicable laws in your place of residence. By using the Digital Properties, you represent and warrant that you are of legal age to form a binding contract with Hanover and have the authority to bind yourself to these Terms. If you do not meet all of these requirements, you must not access or use the Digital Properties.
  2. Access and Use of the Digital Properties. You may use the Digital Properties to access information and materials solely for informational purposes. The information and materials on the Digital Properties are not offered as legal, accounting, or other professional advice and are not tailored to your specific circumstances. The information and materials on the Digital Properties may occasionally be inaccurate, incomplete, or out of date, and we make no representation as to the completeness, accuracy, or currentness of any such information or materials. Any reliance you place on the information or materials provided on the Digital Properties is strictly at your own risk. Hanover disclaims all liability and responsibility arising from any reliance placed on the Digital Properties by you or any other visitor to the Digital Properties or by anyone who may be informed of any of the Digital Properties’ contents.
  3. Products and Services on the Digital Properties. Not all the products or services described on the Digital Properties are available in all jurisdictions of the United States. You may not be eligible for all of the insurance products or services described on the Digital Properties. We reserve the right to determine all eligibility for such products or services at our sole discretion. In certain areas of the Digital Properties, you may have the ability to engage with Hanover’s chat service. Hanover’s chat service is intended solely for informational purposes and to assist users with certain account management functions related to billing (including providing assistance with making payments and changing billing preferences). This chat service may not be available to all users. The chat service is not designed to recommend the purchase of an insurance product or to advise on coverage related questions. Any insurance decision you make is your sole responsibility. All the information shared with the chat service may be recorded, is subject to retention and monitoring policies of Hanover. Any personal information shared with Hanover when using the chat service shall be subject to Hanover’s Privacy Notices. Hanover makes no warranty that the chat service will be available at any particular time and makes no guarantee about the accuracy of the responses.
  4. Privacy Notice and Data Collection. Hanover or a third party acting on its behalf may monitor your use of the Digital Properties and may use and disclose any information and materials received from you or collected through your access or use of the Digital Properties for any lawful reason or purpose. Please review our Privacy Notices with regard to the collection and use of your personal information. Our Privacy Notices are expressly incorporated into these Terms by reference. Other policies accessible through the Digital Properties also apply to your access and use of the Digital Properties, as such policies may be amended from time to time. You agree that Hanover may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support, and other services to you (if any) related to the Digital Properties. Hanover may use this information to improve its products or to provide services or technologies to you.
  5. Restrictions. Failure to comply with this Section may result in the suspension or termination of your access or use of the Digital Properties.  While using the Digital Properties, you agree that you will not do the following:
    1. Violate any applicable laws, rules, or restrictions.
    2. Disable any licensing or control features of the Digital Properties.
    3. Frame or mirror any part of the Digital Properties without our express prior written consent.
    4. Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity in connection with the Digital Properties, or express or imply that we endorse any statement you make.
    5. Interfere with or disrupt the operation of the Digital Properties or the servers or networks used to make the Digital Properties available, or violate any requirements, procedures, policies, or regulations of such networks.
    6. Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Digital Properties.
    7. Remove any copyright, trademark, or other proprietary rights notice from the Digital Properties or materials originating from the Digital Properties.
    8. Reproduce, duplicate, copy, sell, resell, or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Digital Properties.
    9. Restrict or inhibit any other person from using the Digital Properties (including, without limitation, by hacking or defacing any portion of the Digital Properties).
    10. Transmit or otherwise make available in connection with the Digital Properties any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file, or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software, or equipment.
    11. Use the Digital Properties for any fraudulent or unlawful purpose.
    12. Use the Digital Properties to defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights of others including, without limitation, others’ privacy rights or rights of publicity or harvest or collect personally identifiable information about other users of the Digital Properties.
    13. Use any robot, spider, site search/retrieval application, or other manual or automatic device to retrieve, index, “scrape,” “data mine,” or in any way gather Digital Property content or reproduce or circumvent the navigational structure or presentation of the Digital Properties without our express prior written consent. Notwithstanding the foregoing, we grant the operators of public online search engines limited permission to use search retrieval applications to reproduce materials from the Digital Properties for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of such materials solely in connection with each operator’s public online search service.
    14. Use the Digital Property to purport to serve or otherwise transmit information related to pending litigation or the initiation of litigation, whether involving Hanover or any of its affiliates and whether the litigation is first-party or third-party litigation. Hanover and its affiliates do not consent to service of process or otherwise to delivery of information related to litigation or the intent to initiate litigation through its website(s). Any such document(s) purported to be served or provided through the website will not be considered served or received even if the website indicates the documents were successfully uploaded.
    15. Any other activity that Hanover determines would be grounds for restricting use of the digital property.   
  6. Access to Account-Only Areas. Certain features of the Digital Properties require registration and creation of an account, including a username and password (“Account”), such as for registered insured users (“Insured Users”), third-party claimant users (“Claimant Users”) or other third-party users (“Other Users”). This includes establishing an email address where you can be notified of electronic delivery of documents (your “Email Address of Record”) for the Account for the purposes of the Paperless Terms. Access to and use of Insured Users-only, password-protected areas of the Digital Properties is restricted to Insured Users and other authorized users only. You are solely responsible for the accuracy, both as to content and form, of all requests and other communications properly received by us associated with your Account. It is your responsibility to notify us of any changes or updates to the contact information associated with your Account, including your Email Address of Record. Depending on your user status, you may have the ability to update certain information associated with your Account, including your email address (regardless of whether it is the Email Address of Record) and telephone numbers. However, certain changes may require you to contact Hanover in order to make such changes. See your Account profile for more information. We will not be liable for any loss, liability, cost, expense, or claim arising out of an incorrect contact information for your Account. Unauthorized use of or access to Accounts or the Digital Properties is strictly prohibited. By creating an Account, you agree that:
    1. We may reject or require that you change any Account information that you provide to us at or after registration.
    2. We are entitled to act on instructions provided to us under your user ID and password.
    3. We are not liable for any unauthorized access to your Account.
    4. You will keep your Account username and password confidential, and you will notify us immediately if you believe someone else has obtained such information or otherwise gained or may gain any unauthorized access to the Digital Properties.
    5. We may block access to the Digital Properties without prior notice if we believe your username 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 in our discretion.
  7. Additional Terms. Certain parts or features of the Digital Properties may be subject to additional terms and conditions that are not expressly stated in these Terms, such the Terms and Conditions regarding Text Messages or the Paperless Terms (collectively, “Additional Terms”). You agree to comply with such Additional Terms that apply to your use of the applicable parts or features of the Digital Properties. In case of any conflict between these Terms and Additional Terms, the Additional Terms will control.
  8. Insurance Policies. The content of these Digital Properties is provided for your information and convenience and does not provide any coverage. You may have entered into one or more pre-existing insurance policies with us (“Insurance Policies”). To the extent that you have one or more insurance policies with us, you agree that the terms and conditions of your coverage are determined by the applicable Hanover insurance policy, contract, certificate, or other Hanover documents. In the event of any conflict with the content of the Digital Properties, the applicable HANOVER INSURANCE POLICY, CONTRACT, CERTIFICATE or Other Hanover documents shall be controlling.Please Refer to your issued policy for coverage provided/afforded.
  9. Third-Party Websites. The Digital Properties may contain links to other internet websites that are not maintained or controlled by Hanover (“Third-Party Websites”), including a link to the third-party vendor with which Hanover has contracted to accept on-line payments. These links are provided solely for your convenience. Hanover makes no warranties or representations about the content of, about any products or services offered by, or about the security or the intellectual property compliance of, such Third-Party Websites. We recommend that, before using these Third-Party Websites you take the time to read the privacy policies and terms of use of these Third-Party Websites. We are not and will not be responsible for (a) the terms and conditions of any transaction between you and any such Third-Party Websites; (b) any insufficiency of or problems with any such Third-Party Websites’ background, insurance, credit, or licensing; (c) the quality of products or the services offered or advertised by Third-Party Websites; or (d) any other legal liability arising out of or related to your transactions in connection with Third-Party Websites. Your use of Third-Party Websites is at your own risk.
  10. Intellectual Property Rights. All trademarks, service marks, information, and materials on the Digital Properties are owned by us and our respective licensors and suppliers, and may be protected by copyright, trademark, patent, and/or other proprietary rights and laws. Nothing contained on the Digital Properties should be construed as granting any license or right to use any trademarks or service marks without the express prior written consent of the owner. Except as expressly authorized in advance by us, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, or create derivative works based on all or any part of the Digital Properties or any information or materials made available through the Digital Properties. Unauthorized use of any part of the Digital Properties, including, without limitation, any software used by the Digital Properties, may subject you to civil and criminal penalties (including, without limitation, possible monetary damages), including, without limitation, for copyright infringement.
  11. Information You Submit. The Digital Properties may allow you the ability to view and upload certain documentation related to a claim (“Claim”). You agree that all information and materials you provide to us regardless of whether in connection with a Claim, including personal information (collectively, “User Content”), is true, accurate, and complete, and you will maintain and update such information regularly. If you provide to us or choose to make any User Content publicly available on the Digital Properties, you do so at your own risk. You agree and acknowledge that Hanover may disclose User Content if Hanover determines that: (a) disclosure is necessary to enforce these Terms, respond to claims that any User Content violates the rights of third parties, or protect the rights, property, or personal safety of Hanover, its users, and the public; (b) appropriate legal process requires disclosure or (c) as necessary to provide any services in connection with a Claim. You further agree that Hanover may add the User Content to applicable policy or claim files, incorporate the User Content therein, and make any use or disclosure of the User Content that Hanover deems appropriate. Hanover’s receipt of User Content, and our acknowledgment of such receipt, does not constitute our acceptance of, or agreement with, the information contained in the User Content. You agree that notwithstanding Hanover’s receipt of the User Content, the content remains subject to review in accordance with applicable law and policy provisions. Hanover may request additional information pertaining to the User Content or the Claim or may require that you identify type of information contained in the User Content. You understand and agree that if information requested by Hanover is not properly provided or are incorrectly identified, whether intentionally or unintentionally, then the User Content will not be considered received by Hanover notwithstanding confirmation that the User Content has been successfully uploaded. Without limiting the generality of the foregoing, you authorize Hanover to include User Content in a searchable format that may be accessed by users of the Digital Properties and Third-Party Websites, provided, however, that Hanover shall have no liability for User Content that can be public and visible on the Digital Properties, Third-Party Websites, or search engines, including after deletion of such User Content by you or Hanover. YOU UNDERSTAND AND AGREE THAT HANOVER WILL HAVE NO LIABILITY OR RESPONSIBILITY TO YOU OR ANY THIRD PARTY IN CONNECTION WITH ANY USER CONTENT.
  12. Mobile App Users.
    1. Mobile Application Users. Our App is designed to work on compatible iOS and Android mobile devices and is generally available through third-party mobile stores (i.e., Apple’s App Store or the Google Play Store (each an “App Store”)) The App is licensed (not sold) to end users. Subject to your compliance with these Terms of Service, and solely for so long as you are permitted by Hanover to use the App, Hanover hereby permits you, on a limited, non-exclusive, revocable, non-transferable, non-sublicensable basis, to install and use the App on a mobile device that you own or control. You agree that only your mobile service carrier or internet service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your mobile device directly with your carrier or provider without involving us. Note that you must have an Account on MHP to use certain features of the App and use of the App is limited to Insured Users.
    2. Terms Specific to Apple Mobile Devices. If you are accessing or using the App on any Apple mobile device, the following additional terms and conditions are applicable to you and are incorporated into these Terms by this reference:
      1. To the extent that you are accessing the App through an Apple mobile device, you acknowledge that these Terms are entered into between you and Hanover, and that Apple, Inc. (“Apple”) is not a party to these Terms other than as a third-party beneficiary as contemplated below.
      2. Hanover in its sole discretion will determine when the App will be available on any Apple mobile device, and reference to any device in these Terms shall not guarantee that Hanover will launch the App on any or all of the Apple mobile devices.
      3. When accessing and/or using the App, the rights granted to you in Section 2 of these Terms is subject to the permitted “Usage Rules” set forth in the App Store Terms of Service located at www.apple.com/legal/itunes/us/terms.html and any third party terms of agreement applicable to the App. You are also subject to the Apple App Store Terms of Services, which you also acknowledge that you have had the opportunity to review.
      4. You acknowledge that Hanover, and not Apple, is responsible for providing the App and content thereof.
      5. As between Hanover and Apple, Hanover is solely responsible for providing any maintenance and support services with respect to the App that Hanover may offer (which, if provided, is provided at Hanover’s sole discretion). You acknowledge that Apple has no obligation whatsoever to furnish maintenance or support services with respect to the App.
      6. You and Hanover acknowledge that Hanover, not Apple, is responsible for addressing any of your claims or any third-party claims relating to the App or your possession and/or use of the App, including, but not limited to, (1) product liability claims; (2) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
      7. Further, you agree that if the App or your possession and use of the App infringes a third party’s intellectual property rights, Hanover, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim, but only to the extent it relates to your use of the App.
      8. With respect to this Section 12(b) only, you acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.
      9. When using the App, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology, or service that interacts with the App. You may not use the App on a device that has firmware or software configuration that has not been authorized by Apple (“jailbroken”) device.
      10. To the extent any warranty regarding the App arises by law or has not been disclaimed under these Terms, Hanover, and not Apple, is solely responsible for such warranty. If you are a customer of the Digital Properties and if the App fails to conform to such warranty, you may notify Apple, and Apple will refund the purchase price (if any) paid for the license to the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, loss, liabilities, damages, costs, or expenses attributable to any failure to conform to the warranty is Hanover’s sole responsibility.
    3. Terms Specific to Android Mobile Devices. If the App is provided to you through Google, Inc.’s (Google, Inc. together with all of its affiliates, “Google”) Google Play Store, the following terms and conditions are applicable to you and are incorporated into these Terms by this reference:
      1. You acknowledge that Google is not responsible for providing support services for the App.
      2. If any of the terms and conditions in this Agreement are inconsistent with the Google Play Development Distribution Agreement (the current version as of the date of these Terms is located at: play.google.com/about/developer-distribution-agreement.html). The terms and conditions of Google’s Google Play Developer Distribution Agreement will apply to the extent of such inconsistency or conflict.
    4. Export Controls. You may not use or otherwise export or re-export the App except as authorized by United States law and the laws of the jurisdiction in which the App was obtained. In particular, but without limitation, the App may not be exported or re-exported (a) into any U.S. embargoed countries, or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. By using the App, you represent and warrant that you are not located in any such country or on any such list.
  13. Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless Hanover, its parents, subsidiaries, affiliates, officers, employees, agents, licensors, partners, and contractors  from and against all claims, losses, costs, and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Digital Properties (including all User Content); and (b) your violation or alleged violation of these Terms of Service. You shall cooperate as fully as reasonably required in the defense of any claim. Hanover reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you shall not in any event settle any matter without the prior express written consent of Hanover.
  14. Disclaimer. We do not guarantee that the Digital Properties will be secure or that any access or use of the Digital Properties will be uninterrupted. The Digital Properties and all products, services, information, and materials made available on or through the Digital Properties are provided to you “as is” without any express representations or warranties of any kind, and we disclaim all statutory or implied representations, warranties, terms, and conditions with respect to the Digital Properties, including the representations and warranties of satisfactory quality, merchantability, fitness for a particular purpose, noninfringement, and title. We make no representation or warranty that the Digital Properties (or any part thereof) will be accurate, complete, or error-free, nor that any particular software or hardware will be compatible with the Digital Properties. You hereby acknowledge and agree that it is your sole responsibility to (a) obtain and pay for any software, hardware, and services (including internet connectivity) needed to access and use the digital properties and (b) ensure that any software, hardware, and services that you use will function correctly with the Digital Properties. You agree that you must evaluate, and that you bear all risks associated with your access and use of the Digital Properties, including any reliance on the accuracy, completeness, or usefulness of any information or materials made available on or through the Digital Properties, including via Third-Party Websites.
  15. Limitation of Liability. To the extent permitted by applicable law, we will not be liable for damages of any kind resulting from your access or use of the Digital Properties or from any information or materials on the Digital Properties. Further, we will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind in connection with the Digital Properties, nor for any damages for loss of profits, loss of use, loss of data, loss of other intangibles, loss of information you have provided to us, or unauthorized interception of any such information by third parties, even if advised in advance of such damages or losses. Your sole and exclusive remedy for dissatisfaction with the Digital Properties is to stop accessing and/or using the Digital Properties. Our maximum liability for all damages, losses, and causes of action in connection with the Digital Properties and these Terms, whether in contract, tort (including, without limitation, negligence), or otherwise shall be $100 (one hundred dollars).
  16. Governing Law and Venue. You hereby agree that these Terms (and any claim or dispute arising in connection with these Terms or your use of the Digital Properties) is governed by and shall be construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its principles of conflicts of law, and you consent to the exclusive jurisdiction of the federal and state courts located in Worcester County, Massachusetts, and waive any jurisdictional, venue, or inconvenient forum objections thereto.
  17. Termination. These Terms effective until terminated by you or Hanover. You may terminate your Account at any time by contacting Hanover by telephone at 800-922-8427. You may also have the ability to delete your Account via the self-service functionality provided in your Account profile. In addition, Hanover, in its sole discretion, may terminate your right to access or use the Digital Properties or your Account (including any files or information associated with your username and password in your Account) for any reason without prior notice to you, including, but not limited to, (a) if you breach any provision of these Terms; or (b) if you violate any applicable law(s). We may take steps that we believe are appropriate to enforce or verify compliance with any part of these Terms (including our right to cooperate with any legal process relating to your access or use of the Digital Properties or any third-party claim that your use of the Digital Properties is unlawful or infringes such third party’s rights). Any such termination will automatically terminate all rights and licenses granted to you under these Terms, including all rights to access or use the Digital Properties. In the event of any termination, all provisions of these Terms whose meaning requires them to survive will accordingly survive (including indemnity and limitation of liability, for example). Please note, if you are a Claimant User, your Account will expire automatically sixty (60) days following creation. To the extent you need continued access to your Account, you may need to contact Hanover who may, but is not required to, restore your Account. Please see the Claimant Terms for additional information regarding account creation and use.
  18. Changes to these Terms. We may change these Terms from time to time by posting the revised version on the first page of these Terms. The date of any changes to the Terms will be effective as of the “Last Updated” notice above, provided that these changes will be prospective only and not retroactive. By continuing to access or use the Digital Properties after such changes are posted, you agree to accept those changes. In certain cases, we may also provide a link to such changes or a summary of changes to these Terms via email to your email address on file with us. You agree that a printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings, based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. If you do not agree to the changes, you should not access or use the Digital Properties or any services offered through the Digital Properties after the effective date of the changes. Please revisit these Terms regularly to ensure that you stay informed of any changes.
  19. Miscellaneous. These Terms do not create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and us. If any provision of these Terms is found to be unenforceable, that provision will not affect the validity and enforceability of any other provision. You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our express prior written consent. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. These Terms hereby incorporate by this reference any additional terms that we post on the Digital Properties (including, without limitation, our Privacy Notice) and, except as otherwise expressly stated herein, these Terms of Service and all documents incorporated herein represent the entire agreement between you and Hanover with respect to your access to and use of the Digital Properties. Notices to you may be made via posting to the Digital Properties, by email, or by regular mail, in our discretion. We will not be responsible for failure to fulfill any obligation due to causes beyond our control.
  20. Contact Us. If you have any questions regarding the Digital Properties or these Terms, please contact us at via telephone at 800-922-8427. Since e-mail communications cannot always be secure, do not include sensitive information in any such email.


 Third Party User Supplemental Terms 

These Third Party User Supplemental Terms (the “Third Party Terms”) supplement and hereby incorporate the Terms of Service for the Digital Properties (the “Portal Terms”), including all Additional Terms as defined therein, (collectively, the “Agreement”) which also apply to your use of the Digital Properties. Capitalized terms not defined in these Third Party Terms have the meanings given to them in the Terms. In the event of a conflict between the Agreement and the Third Party Terms, the Third Party Terms will apply. These Claimant Terms apply only to use of the Digital Properties by Claimant User(s) and Other User(s). 

Services and Account Creation. The Digital Properties may allow you the ability to create an Account to view and upload certain documentation related to your claim involving a Hanover policyholder (“Insured Claim”). To create an Account, you will need to use the registration information provided by the Adjuster assigned to the Claim. By creating your Account, you are indicating your acceptance of these Third Party Terms. 

 

The Hanover Insured’s Electronic Delivery of Documents Program (Paperless Terms)

These Paperless Terms are in addition to the Terms of Service for the Digital Properties. 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 via the My Profile section of your Account on MHP. By enrolling in the Program, you confirm that you have read and agree to these Terms and Conditions of the Program (the “Paperless Terms”). These Paperless Terms only apply to Insured Users.

For purposes of these Paperless Terms, and the Program, the words “we,” “us,” and “our” refer to 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 Paperless Terms, 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 Paperless Terms, the Terms of Service, or we terminate the Program or your enrollment.

You specifically and expressly acknowledge, by agreeing to these Paperless Terms (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 Paperless Terms. This consent shall remain in effect until withdrawn by you in accordance with these Paperless Terms. 

Texting Communication

You may choose to enroll in the Hanover text messaging service, including 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 messages related to your Hanover policy, information about products and services offered by Hanover. Message and data charges may apply to text communications. You may opt out of receiving texts at any time. You understand that Hanover may use autodialer technology to send text messages to the mobile phone number you 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 agree consent to receive text messages from Hanover. 

How to Withdraw Consent to Receive Documents Electronically

You may withdraw your consent to electronic delivery of documents (paperless) 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 by calling us at 800-922-8427. 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 Paperless Terms: “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 at www.myhanoverpolicy.com or Hanover Mobile App. You will need to create an Account to 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

During the process of creating an Account, you will need to designate an email address where you can be notified of Electronic Delivery of Documents for the Program (your “Email Address of Record”). 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. 

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

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 Paperless Terms, that your hardware and software that meet the requirements set forth herein, and that your agreement to these Paperless Terms is legally binding and enforceable and the legal equivalent of your handwritten signature.

No

My Hanover Policy Portal and App Terms of Service

These terms were last updated on June 30, 2025

Please read these Terms of Service (“Terms of Service” or “Terms”) carefully. These Terms of Service are between you and the entities comprising the Hanover Insurance Group (“Hanover,” or “we,” “us,” or “our”) concerning your use of the My Hanover Policy portal (“MHP”) and the Hanover Mobile App (the “App”) (collectively the “Digital Properties”).

Please read these Terms carefully before you access or use the Digital Properties. By using the Digital Properties or by clicking to accept or agree to these Terms , you accept and agree to ABIDE AND be bound by these Terms of Service and our PRIVACY POLICy AND Privacy Notice, available in our Privacy Center, incorporated herein by reference (collectively, “Privacy Notices”). If you do not agree to these Terms of Service or the Privacy NoticeS, you must not access or use the Digital Properties.

The Digital Properties are controlled and/or operated from the United States and is intended only for individuals residing in the United States. The Digital Properties are not intended to subject us to non-U.S. jurisdiction or laws. We do not in any way imply that the Digital Properties are available or intended for use outside the United States or in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. If you access or use the Digital Properties from outside of the United States, you do so at your own risk, and you are responsible for complying with all local laws, rules, and regulations in such jurisdiction. We may, in our sole discretion, at any time, limit the availability, in whole or in part, of the Digital Properties to any person or jurisdiction we choose. 

  1. Ability to Enter Into These Terms. The Digital Properties are offered and available to users who reside in the United States and have the power to enter a binding contract with us and not be barred from doing so under any applicable laws in your place of residence. By using the Digital Properties, you represent and warrant that you are of legal age to form a binding contract with Hanover and have the authority to bind yourself to these Terms. If you do not meet all of these requirements, you must not access or use the Digital Properties.
  2. Access and Use of the Digital Properties. You may use the Digital Properties to access information and materials solely for informational purposes. The information and materials on the Digital Properties are not offered as legal, accounting, or other professional advice and are not tailored to your specific circumstances. The information and materials on the Digital Properties may occasionally be inaccurate, incomplete, or out of date, and we make no representation as to the completeness, accuracy, or currentness of any such information or materials. Any reliance you place on the information or materials provided on the Digital Properties is strictly at your own risk. Hanover disclaims all liability and responsibility arising from any reliance placed on the Digital Properties by you or any other visitor to the Digital Properties or by anyone who may be informed of any of the Digital Properties’ contents.
  3. Products and Services on the Digital Properties. Not all the products or services described on the Digital Properties are available in all jurisdictions of the United States. You may not be eligible for all of the insurance products or services described on the Digital Properties. We reserve the right to determine all eligibility for such products or services at our sole discretion. In certain areas of the Digital Properties, you may have the ability to engage with Hanover’s chat service. Hanover’s chat service is intended solely for informational purposes and to assist users with certain account management functions related to billing (including providing assistance with making payments and changing billing preferences). This chat service may not be available to all users. The chat service is not designed to recommend the purchase of an insurance product or to advise on coverage related questions. Any insurance decision you make is your sole responsibility. All the information shared with the chat service may be recorded, is subject to retention and monitoring policies of Hanover. Any personal information shared with Hanover when using the chat service shall be subject to Hanover’s Privacy Notices. Hanover makes no warranty that the chat service will be available at any particular time and makes no guarantee about the accuracy of the responses.
  4. Privacy Notice and Data Collection. Hanover or a third party acting on its behalf may monitor your use of the Digital Properties and may use and disclose any information and materials received from you or collected through your access or use of the Digital Properties for any lawful reason or purpose. Please review our Privacy Notices with regard to the collection and use of your personal information. Our Privacy Notices are expressly incorporated into these Terms by reference. Other policies accessible through the Digital Properties also apply to your access and use of the Digital Properties, as such policies may be amended from time to time. You agree that Hanover may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support, and other services to you (if any) related to the Digital Properties. Hanover may use this information to improve its products or to provide services or technologies to you.
  5. Restrictions. Failure to comply with this Section may result in the suspension or termination of your access or use of the Digital Properties.  While using the Digital Properties, you agree that you will not do the following:
    1. Violate any applicable laws, rules, or restrictions.
    2. Disable any licensing or control features of the Digital Properties.
    3. Frame or mirror any part of the Digital Properties without our express prior written consent.
    4. Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity in connection with the Digital Properties, or express or imply that we endorse any statement you make.
    5. Interfere with or disrupt the operation of the Digital Properties or the servers or networks used to make the Digital Properties available, or violate any requirements, procedures, policies, or regulations of such networks.
    6. Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Digital Properties.
    7. Remove any copyright, trademark, or other proprietary rights notice from the Digital Properties or materials originating from the Digital Properties.
    8. Reproduce, duplicate, copy, sell, resell, or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Digital Properties.
    9. Restrict or inhibit any other person from using the Digital Properties (including, without limitation, by hacking or defacing any portion of the Digital Properties).
    10. Transmit or otherwise make available in connection with the Digital Properties any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file, or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software, or equipment.
    11. Use the Digital Properties for any fraudulent or unlawful purpose.
    12. Use the Digital Properties to defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights of others including, without limitation, others’ privacy rights or rights of publicity or harvest or collect personally identifiable information about other users of the Digital Properties.
    13. Use any robot, spider, site search/retrieval application, or other manual or automatic device to retrieve, index, “scrape,” “data mine,” or in any way gather Digital Property content or reproduce or circumvent the navigational structure or presentation of the Digital Properties without our express prior written consent. Notwithstanding the foregoing, we grant the operators of public online search engines limited permission to use search retrieval applications to reproduce materials from the Digital Properties for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of such materials solely in connection with each operator’s public online search service.
    14. Use the Digital Property to purport to serve or otherwise transmit information related to pending litigation or the initiation of litigation, whether involving Hanover or any of its affiliates and whether the litigation is first-party or third-party litigation. Hanover and its affiliates do not consent to service of process or otherwise to delivery of information related to litigation or the intent to initiate litigation through its website(s). Any such document(s) purported to be served or provided through the website will not be considered served or received even if the website indicates the documents were successfully uploaded.
    15. Any other activity that Hanover determines would be grounds for restricting use of the digital property.   
  6. Access to Account-Only Areas. Certain features of the Digital Properties require registration and creation of an account, including a username and password (“Account”), such as for registered insured users (“Insured Users”), third-party claimant users (“Claimant Users”) or other third-party users (“Other Users”). This includes establishing an email address where you can be notified of electronic delivery of documents (your “Email Address of Record”) for the Account for the purposes of the Paperless Terms. Access to and use of Insured Users-only, password-protected areas of the Digital Properties is restricted to Insured Users and other authorized users only. You are solely responsible for the accuracy, both as to content and form, of all requests and other communications properly received by us associated with your Account. It is your responsibility to notify us of any changes or updates to the contact information associated with your Account, including your Email Address of Record. Depending on your user status, you may have the ability to update certain information associated with your Account, including your email address (regardless of whether it is the Email Address of Record) and telephone numbers. However, certain changes may require you to contact Hanover in order to make such changes. See your Account profile for more information. We will not be liable for any loss, liability, cost, expense, or claim arising out of an incorrect contact information for your Account. Unauthorized use of or access to Accounts or the Digital Properties is strictly prohibited. By creating an Account, you agree that:
    1. We may reject or require that you change any Account information that you provide to us at or after registration.
    2. We are entitled to act on instructions provided to us under your user ID and password.
    3. We are not liable for any unauthorized access to your Account.
    4. You will keep your Account username and password confidential, and you will notify us immediately if you believe someone else has obtained such information or otherwise gained or may gain any unauthorized access to the Digital Properties.
    5. We may block access to the Digital Properties without prior notice if we believe your username 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 in our discretion.
  7. Additional Terms. Certain parts or features of the Digital Properties may be subject to additional terms and conditions that are not expressly stated in these Terms, such the Terms and Conditions regarding Text Messages or the Paperless Terms (collectively, “Additional Terms”). You agree to comply with such Additional Terms that apply to your use of the applicable parts or features of the Digital Properties. In case of any conflict between these Terms and Additional Terms, the Additional Terms will control.
  8. Insurance Policies. The content of these Digital Properties is provided for your information and convenience and does not provide any coverage. You may have entered into one or more pre-existing insurance policies with us (“Insurance Policies”). To the extent that you have one or more insurance policies with us, you agree that the terms and conditions of your coverage are determined by the applicable Hanover insurance policy, contract, certificate, or other Hanover documents. In the event of any conflict with the content of the Digital Properties, the applicable HANOVER INSURANCE POLICY, CONTRACT, CERTIFICATE or Other Hanover documents shall be controlling.Please Refer to your issued policy for coverage provided/afforded.
  9. Third-Party Websites. The Digital Properties may contain links to other internet websites that are not maintained or controlled by Hanover (“Third-Party Websites”), including a link to the third-party vendor with which Hanover has contracted to accept on-line payments. These links are provided solely for your convenience. Hanover makes no warranties or representations about the content of, about any products or services offered by, or about the security or the intellectual property compliance of, such Third-Party Websites. We recommend that, before using these Third-Party Websites you take the time to read the privacy policies and terms of use of these Third-Party Websites. We are not and will not be responsible for (a) the terms and conditions of any transaction between you and any such Third-Party Websites; (b) any insufficiency of or problems with any such Third-Party Websites’ background, insurance, credit, or licensing; (c) the quality of products or the services offered or advertised by Third-Party Websites; or (d) any other legal liability arising out of or related to your transactions in connection with Third-Party Websites. Your use of Third-Party Websites is at your own risk.
  10. Intellectual Property Rights. All trademarks, service marks, information, and materials on the Digital Properties are owned by us and our respective licensors and suppliers, and may be protected by copyright, trademark, patent, and/or other proprietary rights and laws. Nothing contained on the Digital Properties should be construed as granting any license or right to use any trademarks or service marks without the express prior written consent of the owner. Except as expressly authorized in advance by us, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, or create derivative works based on all or any part of the Digital Properties or any information or materials made available through the Digital Properties. Unauthorized use of any part of the Digital Properties, including, without limitation, any software used by the Digital Properties, may subject you to civil and criminal penalties (including, without limitation, possible monetary damages), including, without limitation, for copyright infringement.
  11. Information You Submit. The Digital Properties may allow you the ability to view and upload certain documentation related to a claim (“Claim”). You agree that all information and materials you provide to us regardless of whether in connection with a Claim, including personal information (collectively, “User Content”), is true, accurate, and complete, and you will maintain and update such information regularly. If you provide to us or choose to make any User Content publicly available on the Digital Properties, you do so at your own risk. You agree and acknowledge that Hanover may disclose User Content if Hanover determines that: (a) disclosure is necessary to enforce these Terms, respond to claims that any User Content violates the rights of third parties, or protect the rights, property, or personal safety of Hanover, its users, and the public; (b) appropriate legal process requires disclosure or (c) as necessary to provide any services in connection with a Claim. You further agree that Hanover may add the User Content to applicable policy or claim files, incorporate the User Content therein, and make any use or disclosure of the User Content that Hanover deems appropriate. Hanover’s receipt of User Content, and our acknowledgment of such receipt, does not constitute our acceptance of, or agreement with, the information contained in the User Content. You agree that notwithstanding Hanover’s receipt of the User Content, the content remains subject to review in accordance with applicable law and policy provisions. Hanover may request additional information pertaining to the User Content or the Claim or may require that you identify type of information contained in the User Content. You understand and agree that if information requested by Hanover is not properly provided or are incorrectly identified, whether intentionally or unintentionally, then the User Content will not be considered received by Hanover notwithstanding confirmation that the User Content has been successfully uploaded. Without limiting the generality of the foregoing, you authorize Hanover to include User Content in a searchable format that may be accessed by users of the Digital Properties and Third-Party Websites, provided, however, that Hanover shall have no liability for User Content that can be public and visible on the Digital Properties, Third-Party Websites, or search engines, including after deletion of such User Content by you or Hanover. YOU UNDERSTAND AND AGREE THAT HANOVER WILL HAVE NO LIABILITY OR RESPONSIBILITY TO YOU OR ANY THIRD PARTY IN CONNECTION WITH ANY USER CONTENT.
  12. Mobile App Users.
    1. Mobile Application Users. Our App is designed to work on compatible iOS and Android mobile devices and is generally available through third-party mobile stores (i.e., Apple’s App Store or the Google Play Store (each an “App Store”)) The App is licensed (not sold) to end users. Subject to your compliance with these Terms of Service, and solely for so long as you are permitted by Hanover to use the App, Hanover hereby permits you, on a limited, non-exclusive, revocable, non-transferable, non-sublicensable basis, to install and use the App on a mobile device that you own or control. You agree that only your mobile service carrier or internet service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your mobile device directly with your carrier or provider without involving us. Note that you must have an Account on MHP to use certain features of the App and use of the App is limited to Insured Users.
    2. Terms Specific to Apple Mobile Devices. If you are accessing or using the App on any Apple mobile device, the following additional terms and conditions are applicable to you and are incorporated into these Terms by this reference:
      1. To the extent that you are accessing the App through an Apple mobile device, you acknowledge that these Terms are entered into between you and Hanover, and that Apple, Inc. (“Apple”) is not a party to these Terms other than as a third-party beneficiary as contemplated below.
      2. Hanover in its sole discretion will determine when the App will be available on any Apple mobile device, and reference to any device in these Terms shall not guarantee that Hanover will launch the App on any or all of the Apple mobile devices.
      3. When accessing and/or using the App, the rights granted to you in Section 2 of these Terms is subject to the permitted “Usage Rules” set forth in the App Store Terms of Service located at www.apple.com/legal/itunes/us/terms.html and any third party terms of agreement applicable to the App. You are also subject to the Apple App Store Terms of Services, which you also acknowledge that you have had the opportunity to review.
      4. You acknowledge that Hanover, and not Apple, is responsible for providing the App and content thereof.
      5. As between Hanover and Apple, Hanover is solely responsible for providing any maintenance and support services with respect to the App that Hanover may offer (which, if provided, is provided at Hanover’s sole discretion). You acknowledge that Apple has no obligation whatsoever to furnish maintenance or support services with respect to the App.
      6. You and Hanover acknowledge that Hanover, not Apple, is responsible for addressing any of your claims or any third-party claims relating to the App or your possession and/or use of the App, including, but not limited to, (1) product liability claims; (2) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
      7. Further, you agree that if the App or your possession and use of the App infringes a third party’s intellectual property rights, Hanover, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim, but only to the extent it relates to your use of the App.
      8. With respect to this Section 12(b) only, you acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.
      9. When using the App, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology, or service that interacts with the App. You may not use the App on a device that has firmware or software configuration that has not been authorized by Apple (“jailbroken”) device.
      10. To the extent any warranty regarding the App arises by law or has not been disclaimed under these Terms, Hanover, and not Apple, is solely responsible for such warranty. If you are a customer of the Digital Properties and if the App fails to conform to such warranty, you may notify Apple, and Apple will refund the purchase price (if any) paid for the license to the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, loss, liabilities, damages, costs, or expenses attributable to any failure to conform to the warranty is Hanover’s sole responsibility.
    3. Terms Specific to Android Mobile Devices. If the App is provided to you through Google, Inc.’s (Google, Inc. together with all of its affiliates, “Google”) Google Play Store, the following terms and conditions are applicable to you and are incorporated into these Terms by this reference:
      1. You acknowledge that Google is not responsible for providing support services for the App.
      2. If any of the terms and conditions in this Agreement are inconsistent with the Google Play Development Distribution Agreement (the current version as of the date of these Terms is located at: play.google.com/about/developer-distribution-agreement.html). The terms and conditions of Google’s Google Play Developer Distribution Agreement will apply to the extent of such inconsistency or conflict.
    4. Export Controls. You may not use or otherwise export or re-export the App except as authorized by United States law and the laws of the jurisdiction in which the App was obtained. In particular, but without limitation, the App may not be exported or re-exported (a) into any U.S. embargoed countries, or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. By using the App, you represent and warrant that you are not located in any such country or on any such list.
  13. Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless Hanover, its parents, subsidiaries, affiliates, officers, employees, agents, licensors, partners, and contractors  from and against all claims, losses, costs, and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Digital Properties (including all User Content); and (b) your violation or alleged violation of these Terms of Service. You shall cooperate as fully as reasonably required in the defense of any claim. Hanover reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you shall not in any event settle any matter without the prior express written consent of Hanover.
  14. Disclaimer. We do not guarantee that the Digital Properties will be secure or that any access or use of the Digital Properties will be uninterrupted. The Digital Properties and all products, services, information, and materials made available on or through the Digital Properties are provided to you “as is” without any express representations or warranties of any kind, and we disclaim all statutory or implied representations, warranties, terms, and conditions with respect to the Digital Properties, including the representations and warranties of satisfactory quality, merchantability, fitness for a particular purpose, noninfringement, and title. We make no representation or warranty that the Digital Properties (or any part thereof) will be accurate, complete, or error-free, nor that any particular software or hardware will be compatible with the Digital Properties. You hereby acknowledge and agree that it is your sole responsibility to (a) obtain and pay for any software, hardware, and services (including internet connectivity) needed to access and use the digital properties and (b) ensure that any software, hardware, and services that you use will function correctly with the Digital Properties. You agree that you must evaluate, and that you bear all risks associated with your access and use of the Digital Properties, including any reliance on the accuracy, completeness, or usefulness of any information or materials made available on or through the Digital Properties, including via Third-Party Websites.
  15. Limitation of Liability. To the extent permitted by applicable law, we will not be liable for damages of any kind resulting from your access or use of the Digital Properties or from any information or materials on the Digital Properties. Further, we will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind in connection with the Digital Properties, nor for any damages for loss of profits, loss of use, loss of data, loss of other intangibles, loss of information you have provided to us, or unauthorized interception of any such information by third parties, even if advised in advance of such damages or losses. Your sole and exclusive remedy for dissatisfaction with the Digital Properties is to stop accessing and/or using the Digital Properties. Our maximum liability for all damages, losses, and causes of action in connection with the Digital Properties and these Terms, whether in contract, tort (including, without limitation, negligence), or otherwise shall be $100 (one hundred dollars).
  16. Governing Law and Venue. You hereby agree that these Terms (and any claim or dispute arising in connection with these Terms or your use of the Digital Properties) is governed by and shall be construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its principles of conflicts of law, and you consent to the exclusive jurisdiction of the federal and state courts located in Worcester County, Massachusetts, and waive any jurisdictional, venue, or inconvenient forum objections thereto.
  17. Termination. These Terms effective until terminated by you or Hanover. You may terminate your Account at any time by contacting Hanover by telephone at 800-922-8427. You may also have the ability to delete your Account via the self-service functionality provided in your Account profile. In addition, Hanover, in its sole discretion, may terminate your right to access or use the Digital Properties or your Account (including any files or information associated with your username and password in your Account) for any reason without prior notice to you, including, but not limited to, (a) if you breach any provision of these Terms; or (b) if you violate any applicable law(s). We may take steps that we believe are appropriate to enforce or verify compliance with any part of these Terms (including our right to cooperate with any legal process relating to your access or use of the Digital Properties or any third-party claim that your use of the Digital Properties is unlawful or infringes such third party’s rights). Any such termination will automatically terminate all rights and licenses granted to you under these Terms, including all rights to access or use the Digital Properties. In the event of any termination, all provisions of these Terms whose meaning requires them to survive will accordingly survive (including indemnity and limitation of liability, for example). Please note, if you are a Claimant User, your Account will expire automatically sixty (60) days following creation. To the extent you need continued access to your Account, you may need to contact Hanover who may, but is not required to, restore your Account. Please see the Claimant Terms for additional information regarding account creation and use.
  18. Changes to these Terms. We may change these Terms from time to time by posting the revised version on the first page of these Terms. The date of any changes to the Terms will be effective as of the “Last Updated” notice above, provided that these changes will be prospective only and not retroactive. By continuing to access or use the Digital Properties after such changes are posted, you agree to accept those changes. In certain cases, we may also provide a link to such changes or a summary of changes to these Terms via email to your email address on file with us. You agree that a printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings, based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. If you do not agree to the changes, you should not access or use the Digital Properties or any services offered through the Digital Properties after the effective date of the changes. Please revisit these Terms regularly to ensure that you stay informed of any changes.
  19. Miscellaneous. These Terms do not create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and us. If any provision of these Terms is found to be unenforceable, that provision will not affect the validity and enforceability of any other provision. You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our express prior written consent. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. These Terms hereby incorporate by this reference any additional terms that we post on the Digital Properties (including, without limitation, our Privacy Notice) and, except as otherwise expressly stated herein, these Terms of Service and all documents incorporated herein represent the entire agreement between you and Hanover with respect to your access to and use of the Digital Properties. Notices to you may be made via posting to the Digital Properties, by email, or by regular mail, in our discretion. We will not be responsible for failure to fulfill any obligation due to causes beyond our control.
  20. Contact Us. If you have any questions regarding the Digital Properties or these Terms, please contact us at via telephone at 800-922-8427. Since e-mail communications cannot always be secure, do not include sensitive information in any such email.


 Third Party User Supplemental Terms 

These Third Party User Supplemental Terms (the “Third Party Terms”) supplement and hereby incorporate the Terms of Service for the Digital Properties (the “Portal Terms”), including all Additional Terms as defined therein, (collectively, the “Agreement”) which also apply to your use of the Digital Properties. Capitalized terms not defined in these Third Party Terms have the meanings given to them in the Terms. In the event of a conflict between the Agreement and the Third Party Terms, the Third Party Terms will apply. These Claimant Terms apply only to use of the Digital Properties by Claimant User(s) and Other User(s). 

Services and Account Creation. The Digital Properties may allow you the ability to create an Account to view and upload certain documentation related to your claim involving a Hanover policyholder (“Insured Claim”). To create an Account, you will need to use the registration information provided by the Adjuster assigned to the Claim. By creating your Account, you are indicating your acceptance of these Third Party Terms. 

 

The Hanover Insured’s Electronic Delivery of Documents Program (Paperless Terms)

These Paperless Terms are in addition to the Terms of Service for the Digital Properties. 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 via the My Profile section of your Account on MHP. By enrolling in the Program, you confirm that you have read and agree to these Terms and Conditions of the Program (the “Paperless Terms”). These Paperless Terms only apply to Insured Users.

For purposes of these Paperless Terms, and the Program, the words “we,” “us,” and “our” refer to 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 Paperless Terms, 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 Paperless Terms, the Terms of Service, or we terminate the Program or your enrollment.

You specifically and expressly acknowledge, by agreeing to these Paperless Terms (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 Paperless Terms. This consent shall remain in effect until withdrawn by you in accordance with these Paperless Terms. 

Texting Communication

You may choose to enroll in the Hanover text messaging service, including 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 messages related to your Hanover policy, information about products and services offered by Hanover. Message and data charges may apply to text communications. You may opt out of receiving texts at any time. You understand that Hanover may use autodialer technology to send text messages to the mobile phone number you 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 agree consent to receive text messages from Hanover. 

How to Withdraw Consent to Receive Documents Electronically

You may withdraw your consent to electronic delivery of documents (paperless) 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 by calling us at 800-922-8427. 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 Paperless Terms: “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 at www.myhanoverpolicy.com or Hanover Mobile App. You will need to create an Account to 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

During the process of creating an Account, you will need to designate an email address where you can be notified of Electronic Delivery of Documents for the Program (your “Email Address of Record”). 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. 

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

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 Paperless Terms, that your hardware and software that meet the requirements set forth herein, and that your agreement to these Paperless Terms is legally binding and enforceable and the legal equivalent of your handwritten signature.