In order to transact business electronically with us, as well as receive your current and future insurance related documents electronically rather than by mail, you must enroll in our Electronic Delivery program (“SageSure Paperless”) by reading and agreeing to the terms and conditions set forth in this Disclosure, Agreement and Consent to Transact Business Electronically (this “Disclosure and Consent”). Insurance related documents (collectively referred to as “Communications”) include, but are not limited to:

a. all insurance policies placed with SageSure Insurance Managers, LLC (“SageSure”), 101 Hudson Street, Suite 2700, Jersey City, New Jersey 07302 (https://sagesure.com/) or its affiliate companies;

b. all documents, notices and correspondence related to your insurance policy, which may include: (i) ID Cards, (ii) applications, (iii) amendments, (iv) endorsements, (v) illustrations, (vi) questionnaires, (vii) disclosures, and (viii) reports;

c. claim notices, disclosures, status letters, forms, and correspondence from us concerning a claim that arises under your insurance policy or involves you as an insured and/or claimant;

d. any other documents related to your insurance transactions with us.

SageSure may offer different options or programs for Electronic Delivery. By accepting the terms and conditions set forth in this Disclosure and Consent, you agree that SageSure may: (a) discontinue sending paper documents; and (b) provide Communications to you electronically. Please note that this Disclosure and Consent does not apply to, and shall not govern, insurance documents or associated communications delivered to you by a third party other than us.

By enrolling in SageSure Paperless, you are further agreeing: (a) to conduct ALL business with SageSure and its affiliates electronically; and (b) that we may discontinue sending paper documents to you. Notwithstanding the foregoing, certain insurance related documents may not be available for Electronic Delivery. Accordingly, we may continue to send such documents via paper as required by law, or as determined by us in our sole discretion.

You also agree to accept SageSure Paperless services on an “AS-IS” basis. SageSure: (a) does not guarantee that such services will be without defect or flaw; (b) will not be held responsible for any loss associated with the use of such services; and (c) is not liable for any cost, expense, or claim arising out of your enrollment in, and use of, Electronic Delivery.

SageSure Paperless Terms & Conditions.

You are receiving this Disclosure and Consent because you are considering conducting business with us electronically. This includes electronically receiving and signing Communications such as documents relating to your insurance coverage and other transactions (current and future).

This Disclosure and Consent applies to all Communications that may be given to you, and in some cases signed and returned to us, as part of an insurance transaction. By agreeing to the terms and conditions herein, you are acknowledging that you have the authority to receive the Communications electronically on behalf of all insureds under your insurance policy.

The words “we,” “us,” and “our” means SageSure, its affiliates, subsidiaries, and parent companies. The words “you” and “your” mean you, the individual(s) who desires to transact business electronically, as well as any named or additional insured under your insurance policy.

1. Method of Providing Communications to You in Electronic Form.

All Communications will be provided either: (i) via e-mail or in an attachment to an e-mail; or (ii) by your accessing a website that we will designate in an e-mail notice we send to you at the time such Communications are available (collectively, “Electronic Delivery”). You will need to create a username and password to access the website and view Communications contained thereon.

2. E-mail Address of Record.

a. At the time you enroll in SageSure Paperless, you will designate an e-mail address (the “E-mail Address of Record”) at which to receive Communications and/or notices. This is the e-mail address we will use for Electronic Delivery of Communications and/or notices. The E-mail Address of Record must be the e-mail address of a named insured on the insurance policy who has authority to act on behalf of all named insureds. If you received this Disclosure and Consent from us by e-mail, and decide to enroll in SageSure Paperless in response to that e-mail message, you are designating the e-mail address at which you received this Disclosure and Consent as your E-mail Address of Record.

b. We will send electronic Communications and/or notices to the E-mail Address of Record. However, if we detect that our e-mail was not delivered successfully, we may, in our sole discretion, elect to either: (i) mail the Communication to you in paper form; or (ii) mail you a notice in paper form, informing you that a Communication is available to view online.

3. How to Withdraw Consent.

a. You may withdraw your consent to transact business electronically and have all your policies un-enrolled from SageSure Paperless by contacting us at (800) 481-0661.

b. At our option, we may treat an invalid e-mail address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive Communications electronically.

c. We will not impose any fee to process the withdrawal of your consent to transact business electronically.

4. Time for Enrollment, Changes, or Withdrawal of Consent to Become Effective

It may take a period of time for us to process: (a) your enrollment in Electronic Delivery; (b) a change to your E-mail Address of Record; or (c) any request to withdraw from Electronic Delivery of Communications. We will send Communications in paper form to you by mail until we process your enrollment in Electronic Delivery. Changes to any E-mail Address of Record, or withdrawal of your consent to receive Communications electronically, are not effective until we have had reasonable time to process such change or withdrawal. We will continue to send Communications to the E-mail Address of Record until any change or withdrawal becomes effective.

5. How to Update Your Records.

It is your responsibility to provide us with true, accurate and complete contact information, including your e-mail address and other information related to these terms and conditions and your insurance policies. You agree to promptly update or notify us of any changes to such information. You can update your information (such as your E-mail Address of Record) either (a) in MySageSure, which is accessible through my.sagesure.com; or (b) by contacting us at (800) 481-0661.

6. Hardware and Software Requirements.

In order to receive, access, view, sign and retain electronic Communications that we make available to you, you must have a personal computer or electronic device with internet connectivity and each of the following:

a. a valid e-mail account with an internet service provider;

b. browser support of Internet Explorer 10.0 or higher, Firefox 59 or higher, Safari 10 or higher, Chrome 54 or higher;

c. Adobe Reader™, to view Documents in pdf format;

d. the ability to view the disclosures on your monitor, which can be done with your internet browser;

e. sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and

f. if you want to print any Communications, a printer capable of printing a PDF.

7. Requesting Paper Copies.

You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at (800) 481-0661. There is no charge associated with requesting a paper copy of a Communication we sent you electronically. We reserve the right, but assume no obligation, to provide a paper (instead of an electronic) copy of any Communication that you have authorized us to provide electronically.

8. Mandatory Paper Copies of Electronic Communications.

We will not send you a paper copy of electronic Communications unless: (a) you request it, (b) we otherwise deem it appropriate to do so, or (c) in some instances where we are required by law to send paper copies of documents. While you may elect to receive electronic Communications from us, depending on state law, there may be documents and Communications that we need to provide to you in paper form.

9. Communications in Writing.

All Communications in either electronic or paper format from us to you will be considered “in writing.” It is within your discretion to print or download any electronic Communications, including this Disclosure and Consent, for your records.

10. Law.

You acknowledge and agree that your consent to transact electronic business is being provided in connection with a transaction affecting interstate commerce that is subject to: (a) the federal Electronic Signatures in Global and National Commerce Act, (b) your state’s Uniform Electronic Transaction Act; and/or (c) your state’s insurance laws.

11. Termination or Changes.

We reserve the right, in our sole discretion, to: (a) discontinue the provision of your electronic Communications; (b) terminate or change the terms and conditions on which we provide electronic Communications; and/or (c) cease transacting business electronically. We will provide notice of any such termination or changes. Your continued enrollment will constitute acceptance of these changes. Your acceptance of the terms and conditions set forth in this Disclosure and Consent also applies to other insureds on your policy.

By agreeing to the foregoing terms and conditions, you are acknowledging that you: (a) have read and understood this Disclosure and Consent; (b) consent to enrollment in SageSure Paperless; and (c) are able to receive, access, view, sign and retain electronically delivered Communications pursuant to the hardware and software requirements set forth in Section 6 above.

Texas Policyholders: A copy of your notice of enrollment to conduct business electronically can be found here.