Star & Shield Services LLC and Affiliates (“Star & Shield”)

Electronic Document Delivery System Disclosure and Consent Agreement

Before you may use the Star & Shield Electronic Document Delivery System, you must agree to this Disclosure and Consent Agreement, (“Agreement”). By consenting to the Agreement, you agree that Star & Shield can provide the documents described in this Agreement to you electronically in accordance with the terms of this Agreement. This Agreement is required by the federal Electronic Signatures in Global and National Commerce Act (“ESign Act”) in order for Star & Shield to provide you with an electronic version of the Agreement and the Documents.

Please review this Agreement carefully and keep a copy for your records. To retain copies of this Agreement and all Documents, please visit www.starandshield.com/edocagreement so that you may print them using your browser print feature.

ELECTRONIC DOCUMENT DELIVERY SYSTEM:
For purposes of this Agreement, the Electronic Document Delivery System shall mean any Star & Shield online platform that allows Star & Shield and its customers and members to conduct business electronically, including, but not limited to, obtaining a quote and receiving notices and Documents. These online platforms may be provided by third parties on behalf of Star & Shield. Any third party vendor used to provide these platforms may or may not be affiliated with Star & Shield and such use may be subject to separate terms and conditions of use. Star & Shield reserves the right to change third party vendors at any time with or without notice.

DOCUMENTS: By accepting this Agreement you are agreeing that Star & Shield may deliver to you any and all documents, applications, policies, notices and agreements generated in the course of your business with Star & Shield (“Documents”) electronically through the Electronic Document Delivery System, unless law requires that the Document be provided to you by mail. Your election to receive your Documents electronically will remain in effect until amended by you or until this Agreement is canceled or your coverage terminates.

PAPER DELIVERY: In the event you desire to receive a paper copy of any Document you may do so by telephoning Star & Shield Customer Service Department at 866-942-9822 or by sending a written request to:

Star & Shield, P.O. Box 1868, Alpharetta, GA 30022

No fee will be imposed to receive a paper copy of any Document delivered electronically.

NOTICE AND PLACE OF DELIVERY:
Star & Shield will deliver a notice of Documents available to the email address you have provided. That email will contain an embedded link to your Documents. When you click on the link to your Documents you will be redirected to the Star & Shield Insured Portal. You will be required to enter your secure username and password to access the site.

UPDATING YOUR PERSONAL INFORMATION: You agree to immediately notify us if your email address changes. To submit a change of email address, mailing address or telephone number send a letter to:

Star & Shield, Attn: Customer Service, P.O. Box 1868, Alpharetta, GA 30022.

You may also submit updates to your email address, mailing address or telephone number by calling 866-942-9822.

PROTECTING YOUR PERSONAL INFORMATION: You are responsible for the use, protection and confidentiality of your email, as well as other policy numbers, account information, and email address information. Please notify Star & Shield immediately if you become aware of a theft, loss or unauthorized use of your personal information.

SYSTEM REQUIREMENTS: In order to use the Electronic Document Delivery System, you will need:

A personal computer or other device which is capable of accessing the Internet.

An active email account.

An internet Web Browser such as Microsoft Internet Explorer 9.0 (or higher version) or Google Chrome with 128-bit encryption (free software you can download).

Adobe Acrobat Reader 10.0 or higher (free software you can download).

To retain electronically delivered documents for your records, your system must have the ability to both download and save the documents or print PDF files.

You are solely responsible for the cost and maintenance of such equipment. You represent and warrant that you have the equipment and access capabilities to receive documents electronically.

ACCESSING YOUR DOCUMENTS: You are responsible for accessing, downloading, opening and reading your Documents. Documents can contain important and legally binding notices, time frames, information and conditions. Documents delivered pursuant to this Agreement will constitute your only notice of matters contained in the Documents, except when mandated by state law for normal delivery of Documents via mail. You are responsible for promptly notifying Star & Shield if any Documents you receive are not accessible or are incomplete or unreadable.

CANCELLATION RIGHTS:
You may cancel this Agreement at any time by: (A) providing thirty (30) days written notice by postal delivery addressed to: Star & Shield, Attn: Customer Service, P.O. Box 1868, Alpharetta, GA 30022; or (B) by calling 866-942-9822 to request cancellation of electronic delivery. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic communications. Star & Shield will not impose any fees for cancellation. Cancellation is effective 30 days after we receive your written notice of cancellation by postal delivery or 15 business days if cancelled by phone. Cancellation shall not affect the legal effectiveness, validity or enforceability of documents provided to you prior to the effective date of cancellation. Cancellation of this Agreement may result in the termination of your ability to transact business electronically with Star & Shield.

OTHER CANCELLATION RIGHTS: Star & Shield may cancel this Agreement and your access to the Electronic Document Delivery System for any reason. If Star & Shield cancels this Agreement, notice of cancellation will be provided to you by postal delivery or as otherwise allowed or required by law.

ELECTRONIC RETENTION OF RECORDS: You agree that Star & Shield may retain Agreements and Documents in electronic format only. If retained electronically, the electronic copy shall be considered an original.

AMENDMENT OF AGREEMENT: Star & Shield reserves the right, at any time, to amend the terms of this Agreement. Star & Shield will notify you of any amendments to this Agreement (including any changes in the hardware or software required to access and retain documents) by providing notice to you at your email address or by postal delivery or as otherwise allowed or required by law. You will be deemed to have accepted any amendment to this agreement made by Star & Shield unless you cancel this Agreement within 30 calendar days from the date of delivery of the amendment to you.

NO WARRANTIES/LIMITATIONS OF LIABILITY:
Star & Shield cannot foresee or anticipate technical or other difficulties. Therefore, Star & Shield makes no warranty that Electronic Document Delivery System will be uninterrupted or error free. Star & Shield is not liable for any loss or damage arising from: (A) your failure to comply with the provisions of this Agreement; (B) interruption in Electronic Document Delivery due to problems with your equipment or errors/delays in communication and transmission lines; or (C) any occurrence beyond Star & Shield’s reasonable control.

DISPUTE RESOLUTION: If any controversy or claim related to this Agreement or the delivery of electronic Documents should arise, the parties will submit the dispute to non-binding mediation. If complete agreement cannot be reached, any remaining issues will be resolved by binding arbitration under the Federal Arbitration Act. The parties will conduct the mediation and, if necessary the arbitration under the then current rules of the American Arbitration Association. The parties will pay their own costs (including attorney’s fees) associated with the mediation and arbitration.

MISCELLANEOUS:
This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof. This Agreement will be governed by and construed in accordance with the Electronic Signatures in Global and National Commerce Act. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid or unenforceable the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in this Agreement, and the other provisions of this Agreement shall remain in full force and effect. Any delay or omission by Star & Shield to exercise any rights under this Agreement shall not be construed to be a waiver thereof. You may not assign this Agreement or any of the rights hereunder without Star & Shield’s prior consent.

AGREEMENT: By agreeing to this Agreement, you acknowledge that you have read, understood and agree to the terms and conditions set forth in the Agreement.