In order to transact business electronically with us, you are hereby provided notice that you will receive your current and future documents electronically and will be enrolled in our electronic delivery program (“SageSure Paperless”) subject to the terms and conditions set forth in this Notice to Transact Business Electronically (this “Notice”). 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, and on behalf of its carriers;
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 policy and transactions with us.

SageSure may offer different options or programs for electronic delivery. By entering into business with us in Texas, you automatically understand and accept the terms and conditions set forth in this Notice and you agree that SageSure will: (a) discontinue sending paper documents; and (b) provide Communications to you electronically, unless you opt out. Please note that this Notice 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, and carriers, electronically; (b) that you are responsible for keeping your Email Address of Record current and ensuring that you can receive electronic Communications; and (c) that If we send a Communication to your Email Address of Record and you do not receive it because your Email Address of Record is incorrect, outdated, blocked by your service provider, or you are otherwise unable to receive electronic Communications, the Communication will be deemed delivered to you on the date it was sent. 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.

1. Method of Providing Communications to You in Electronic Form
All Communications will be provided either: (a) via email or in an attachment to an email; or (b) by your accessing a website that we will designate in an email 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. Email Address of Record
a. You will designate an email address (the “Email Address of Record”) at which you want to receive Communications and/or notices. This is the email address we will use for Electronic Delivery of Communications and/or notices. The Email Address of Record must be the email address of a named insured on the insurance policy who has authority to act on behalf of all named insureds. If you received this Notice from us by email, you are designating the email address at which you received this Notice as your Email Address of Record.
b. We will send electronic Communications and/or notices to the Email Address of Record. However, if we detect that our email 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 unenrolled from SageSure Paperless by contacting us at (800) 481-0661 or CustomerCare@sagesure.com.
b. At our option, we may treat an invalid email 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 Changes or Withdrawal of Consent to Become Effective
Changes to any Email Address of Record, or withdrawal of you receiving 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 Email 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 email 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 Email Address of Record) either (a) in your SageSure Account or (b) by contacting us at (800) 481-0661 or CustomerCare@sagesure.com.

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 email account with an internet service provider;
b. Browser support of Microsoft Edge version 130 or higher, Safari 18.0 or higher, Chrome 126 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 or CustomerCare@sagesure.com. 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. Unless otherwise stated, your request to obtain a paper copy of any Communication applies only to that Communication. To withdraw consent to transact business electronically and have all your policies unenrolled from SageSure Paperless, please refer to Section 3.

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 Notice, for your records.

10. Retention of Written Communication
We will retain written communications delivered by electronic means in accordance with applicable laws and regulations.

11. Termination or Changes
We reserve the right, at 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. The terms and conditions set forth in this Notice also applies to other insureds on your policy.

Last Updated: December 2025