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Terms & Conditions

Please read the following Terms and Conditions carefully before placing your order. Using this website is conditional upon the acceptance of these Terms and Conditions. If you do not agree to these Terms and Conditions, along with our Privacy Policy, do not access, use or order from this site. Lloyd's of Indiana reserves the right, without notification, to make changes to these Terms and Conditions, as well as our other policies. You accept responsibility to review this page prior to submitting an order on this website.

Privacy and Data Collection

The personal information that you give us when ordering is kept confidential by We do not sell, trade, or lease our customer files, mailing or email lists to anyone. We occasionally send promotional emails with special offers and coupons, but you always have the option to opt-out at checkout, or you may unsubscribe at the bottom of every email.  See our entire Privacy Policy here.

Acceptance of Orders

Lloyd's of Indiana reserves the right to accept or reject any order prior to shipping, at our discretion. The receipt of an order confirmation email is not acceptance of an order. Due to security concerns, it is possible that customer information will be subject to verification.

If your order is accepted, you agree to pay the full price, including shipping (if applicable) and sales tax (if applicable) shown on the checkout page. If there are additional services required, such as inside delivery, you agree to pay for these services (which will be quoted prior to shipment).

We reserve the right to limit quantities at our sole discretion.

Price and Availability

Product prices can change from time to time, based on manufacturer cost changes or competitive market forces, without notice. Pricing errors may occur on the website or through Lloyd's of Indiana locations. Lloyd's of Indiana reserves the right to cancel any orders containing pricing errors, with no further obligations to you, even after your receipt of an order confirmation or shipping notice. Lloyd's of Indiana may, at its discretion, either contact you for instructions or cancel your order and notify you of such cancellation. Pricing for products may be different on the website or from prices available in our stores.

All products advertised for sale on this site are subject to availability. If we fail to supply any products for any reason, we will not charge you for such products. However, we will not be responsible for compensating you for any other losses which you may suffer if we fail to supply products.

Product Descriptions / Typographical Errors

We work hard to ensure the accuracy of product information on  However, vendors occasionally alter products, packaging or ingredients without notifying us. It is possible products and packaging may differ from the descriptions contained on this site. You should not rely solely on information contained on this site before using a product. If you have questions about a product, please contact the manufacturer directly.

In the event a product is listed at an incorrect price, or with incorrect product information due to typographical error, or incorrect product information received from our suppliers, we shall have the right to refuse or cancel any orders placed for such products. Lloyd's of Indiana reserves the right to refuse or cancel any such orders whether or not the order has been confirmed. Lloyd's of Indiana assumes no liability for inaccuracies or misstatements contained on this website.


Lloyd's of Indiana primarily utilizes the services of UPS and USPS for delivery to the address you provide while ordering of most items under 100 pounds (lbs). Heavier items, especially equipment, ship via truck freight line to minimize your cost. We will promptly contact you with truck freight cost.

Most Products are in stock and will ship the same or next business day, but we cannot guarantee same day or next day shipment on any order. "Business day" is defined as Monday – Friday, during the hours of 8:00 am – 5:00 pm Eastern, excluding holidays. Orders placed after 3:00 pm Friday, or over the weekend, are typically shipped on Monday. Occasionally, because of stock issues or because we need to ship products direct from a manufacturer, delivery times may be affected.

Some products may be drop-shipped from the manufacturer to assist with availability and prompt delivery.

If you require delivery by a given date, please contact Customer Service at (877) 626-6848 before ordering. We cannot guarantee that products will be delivered by the estimated delivery date due to potential obstacles outside our control, but we will do everything possible to deliver products by the estimated time. You agree that we shall not be liable to you for any losses, damages or charges incurred by you because of late delivery of the products.

Upon signature for the receipt of the products at the address specified in your delivery instructions, the risk of damage to the goods shall pass to you.

Order Cancellation

Once an order is submitted it typically cannot be cancelled. Because of our commitment to deliver orders as quickly as possible, our warehouses are immediately notified to pick your order for shipment once the checkout process is completed. Refused shipments for undamaged products will incur the cost of return shipping being deducted from any refund, including, if applicable, any restocking fee by the manufacturer.

Returns / Restocking Fees

Your satisfaction is guaranteed. If you are not satisfied with your purchase, please return any unopened product(s) within 30 days, in the original packaging, for a full refund or credit, less shipping expenses.

A Return Merchandise Authorization (RMA) number is required for all returns. Please call us at 877-626-6848, or fill out the form on the Return Page, to request an RMA number.

As some manufacturers charge Lloyd's of Indiana a restocking fee, we reserve the right to charge a restocking fee of 10% on all orders and up to 20% on orders for equipment including binding machines, laminators, paper handling equipment, etc. Certain items are considered custom and are excluded from return. Please call us at 877-626-6848 for any questions.

Quality Policy

Lloyd’s of Indiana, Inc. quality policy ensures that employees and management throughout our organization are knowledgeable of and actively utilizing continuous quality improvement principals. Each employee is committed to teamwork and focused on achieving customer satisfaction goals.

Customer satisfaction is our primary focus. We are committed to delivering products and services on-time and at a competitive price. Products and services shall exhibit high reliability through quality design and workmanship standards.

Customer, employees, and suppliers are considered vital to our success and shall be treated fairly and with respect. Our employees are knowledgeable of and consistently use prevention based continuous quality improvement methods.

General Warranty Policies

Lloyd’s of Indiana, Inc. will pass on to its customers each manufacturer’s standard limited warranty, if any.

If a product you purchased through Lloyd’s of Indiana, Inc. fails during the warranty period, you must contact us before returning the product, to determine the proper return or repair procedure.

All terms of the warranty must be met.

Please retain the dated sales receipt as evidence of the date of purchase. You will need it for any warranty service. Every customer must carefully read through the terms and conditions stated in the warranty.

Some warranties are limited to the retail price paid for the product. NEITHER WARRANTOR NOR MANUFACTURER SHALL BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES INCLUDING WITHOUT LIMITATION, INDIRECT AND SPECIAL DAMAGES RESULTING FROM DEFECTS IN THE PRODUCT. These warranties do not cover miscellaneous expenses for removal, installation, service, or down time, nor does it cover material, labor, or additional parts required for replacement or repair of damages caused by abuse (including misuse, neglect, or failure to follow manufacture’s operating and/or installation instructions). 

Coupon Codes / Promotions reserves the right to limit the use of coupon codes. Coupon codes are valid for use one time only, and only one per business/household/customer. Coupon codes cannot be combined, stacked or used with other promotional offers.

We sometimes have special offers where quantities are limited for specially priced items. Lloyd's of Indiana reserves the right to cancel orders that exceed the stated promotional quantity maximum.

Purchase Orders

Lloyd's of Indiana accepts pre-approved purchase orders from schools, government agencies, hospitals, and businesses that prove to have great credit. Purchase order terms are Net 10 days. More details are available on our purchase orders page.

Purchase Orders are not accepted from individuals. Purchase Orders are not accepted from any company or organization without being PRE-APPROVED.  

If you desire to open a "payment term" account with, please click the link to our credit application, and follow the instructions on the form. Lloyd's of Indiana Credit Application. You may scan and email the form to

We check all applications with a credit reporting agency as well as report payment histories, and will let you know as soon as possible if your account has been approved for payment terms. If you have questions, please feel free to contact us at, or call toll free 1-877-626-6848 from 8:00 am – 5:00 pm Eastern Monday - Friday.

Trademarks / Copyrights

Product names and company logos displayed on this website remain the trademarks of their respective owners.

All trademark, copyright and other intellectual property rights on, and its content (including, without limitation, the website design, graphics, content, text, and all software and source codes connected with the website) are owned by or licensed to Lloyd's of Indiana, or otherwise used by Lloyd's of Indiana as permitted by law. In accessing the website you agree that you will use the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the copying and/or printing of pages of the website for personal, non-commercial use only.

Limitation of Liability

You agree that the sole and exclusive maximum liability to Lloyd's of Indiana arising from any product sold on shall be the price of the product ordered. In no event shall Lloyd's of Indiana, its directors, officers, employees or other representatives be liable for special, indirect, consequential, or punitive damages related to product sold. Except as expressly stated herein, Lloyd's of Indiana makes no representations or warranties, either expressed or implied, of any kind with respect to products sold on this site, including but not limited to, merchantability and fitness for a particular purpose.

The website and the materials therein are provided "as is". Lloyd's of Indiana makes no representations or warranties, either expressed or implied, of any kind with respect to the website, its operations, content, information, or materials.


By using the website, you agree to indemnify and hold Lloyd's of Indiana, its employees, directors, officers and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Lloyd's of Indiana arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this website.

Jurisdiction & Venue

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Indiana, USA. As such, the laws of the State of Indiana will govern these disclaimers, terms and conditions, without giving effect to any principles of conflict of law.

Any questions or comments regarding our Terms and Conditions may be sent to:

Lloyd's of Indiana, Inc.
Attn: Customer Service
2507 Roosevelt Ave
Indianapolis, IN 46218

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