DISCLOSURES AND CONSENT TO CONDUCT BUSINESS ELECTRONICALLY
We are required by law to provide certain disclosures to you before you enter into this transaction electronically. In addition, we need your consent to enter into this transaction before we can deliver certain documents, including your current and future insurance related documents, to you electronically. Please read this notice carefully before giving consent.
By accepting these terms and conditions you agree that Coverdash may discontinue sending paper documents and provide insurance related documents to you electronically. By accepting these terms and conditions, you also agree to accept the Coverdash Services (as defined in the Coverdash Terms and Conditions) on an "AS-IS" basis. Coverdash does not guarantee that Services will be without defect or flaw and Coverdash will not be held responsible for any loss associated with the use of this service.
This Disclosure and Consent to Conduct Business Electronically ("Disclosure") applies to all communications for those policies, contracts, Services and notices offered or accessible through the Coverdash Platform. "Coverdash Platform" means the website and its associated links, Services, and Communications available at www.coverdash.com.
The term "Coverdash" refers to Coverdash, Inc. and Coverdash Insurance Services LLC.
"Communications" means all the information that Coverdash is required to provide to you by law, or as reasonably necessary to administer your Policy (as defined below), which includes, but is not limited to, your online enrollment or application, warranty statement, surplus lines disclosure statement, declarations page, policy, certificate, endorsements, terms and conditions, transaction history, privacy policies, billing statements, amendments, Services, notices and disclosures about changes in the terms of your Policy.
"Policy" means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, and includes all clauses, riders or endorsements, disclosures and declarations page.
You agree that Coverdash may provide you with any Communication in electronic format (the "Paperless Transaction"), and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below or at our option upon notification by Coverdash to you. You further acknowledge that we may authorize an agent or broker to deliver certain Communications to you on our behalf, and perform other Services to help facilitate the delivery of Communications to you.
All Communications that Coverdash provides to you in electronic form will be provided by one or more of the following methods: (1) via e-mail; (2) by access to Coverdash's secure Web site at www.coverdash.com; or (3) to the extent permissible by law.
You may withdraw your consent to receive Communications that we provide to you in electronic form by calling us directly, emailing us at legal@coverdash.com, or writing to us at Coverdash, 1724 East 12th St, Brooklyn, New York 11229. 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. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of the Coverdash Platform and Services may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. Termination of your consent to conduct business electronically shall not affect legal enforceability of any Policy provided to you.
It is your responsibility to provide Coverdash with a true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Policy, and to maintain and update promptly any changes in this information. You can update your information emailing us at support@coverdash.com or writing to us at Coverdash, 1724 East 12th St, Brooklyn, New York 11229. Please do not send confidential information to us via traditional e-mail, as we cannot guarantee that the transmission will be secure.
In order to access, view and retain electronic Communications from us, you must have:
When you consent to receive Communications electronically, you should not expect to receive a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, you may do so by emailing us at support@coverdash.com, or writing to us at Coverdash, 1724 East 12th St, Brooklyn, New York 11229. We may charge you a reasonable service fee for a paper copy, of which we will provide you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization.
All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you or which we instruct you to download and retain.
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act") and your state's UETA law. You further agree that you intend that the Act and your state's UETA law apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communication. We will provide you with notice of any such termination or change as required by law.
The Disclosure and your relationship with us under this Disclosure shall be governed by the laws of the State of California without regard to its conflict of laws provision. You and Coverdash agree to submit to the exclusive jurisdiction of the California to resolve any legal matter arising from the Disclosure. Notwithstanding this, you agree that we shall be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
If any court of law, having the jurisdiction to decide on this matter, rules that any provision of this Disclosure is invalid, then that provision will be removed from the Disclosure without affecting the rest of the Disclosure. The remaining provisions of the Disclosure will continue to be valid and enforceable.
By consenting to this Disclosure, you agree to the following statements:
I have read, understand and agree to be bound by the terms and conditions described above and consent to receive electronic documents according to the process described above.