Electronic Transactions and Disclosures Agreement

Effective date: April 4, 2020

At PREDICTABILL, INC., its subsidiaries, and affiliates (collectively, “predictaBill,” “we,” “us,” or “our”), we give you the ability to transact business with us electronically. This includes, but is not limited to, transacting business on our website (https://predictabill.com/) and through our mobile applications and other online services (collectively “predictaBill Website(s)” or “Site”).  This Electronic Transactions and Disclosures Agreement (the “Agreement”) is a legally binding agreement between you and predictaBill. You may print or electronically save a copy of this Agreement to retain for your records. If you wish to transact business with predictaBill electronically, please carefully review and consent to the terms listed below.

Your Consent to Use Electronic Signatures

YOU AGREE AND CONSENT TO USE ELECTRONIC SIGNATURES WHICH SHALL HAVE THE SAME FORCE AND EFFECT AS YOUR WRITTEN SIGNATURE. Electronic signatures may take various forms on predictaBill Websites, including checking a box. Your consent for predictaBill to use your electronic signature applies to all predictaBill Websites, products and services you currently own or use and all predictaBill Websites, products and services you may purchase or use in the future.

Your Consent to Receive Communications in Electronic Form

YOU AGREE AND CONSENT TO RECEIVE ELECTRONICALLY ALL COMMUNICATIONS, AGREEMENTS, POLICIES, DISCLOSURES, NOTICES, AND DOCUMENTS THAT ARISE DURING YOUR RELATIONSHIP WITH PREDICTABILL OR THAT WE OTHERWISE PROVIDE IN CONNECTION WITH YOUR USE OF OUR SITE, PRODUCTS, AND SERVICES (COLLECTIVELY, THE “COVERED COMMUNICATIONS” OR “COMMUNICATIONS”). You understand and agree that we will provide these Covered Communications to you electronically (instead of in paper format through U.S. Mail) through your account on the Site and by emailing them to you at the primary email address listed in your predictaBill profile. Covered Communications will not be available online indefinitely. Please save Covered Communications to your computer or print them off to retain copies for your records.

 

Your consent to receive Covered Communications electronically applies to all predictaBill Websites, products, and services you currently own or use and all predictaBill Websites, products, and services you may purchase or use in the future. Your consent to receive Covered Communications electronically does not mean that all Covered Communications will be delivered to you electronically. predictaBill may, at its discretion or when required by law, provide Covered Communications through non-electronic means.

 

You acknowledge and agree that we may authorize an agent to deliver certain Covered Communications to you on our behalf and to perform other services to help facilitate the delivery of Covered Communications to you.

 

Hardware and Software Requirements

To receive, access, view, sign, retain, and reply to Covered Communications provided electronically, you must have:

  • A computer or other access device (e.g., Smartphone, tablet, etc.) that is capable of connecting to the Internet;
  • An up-to-date Internet browser to access the Covered Communications;
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit to retain the Covered Communications and/or a printer to print them;
  • A valid email account with an Internet service provider and appropriate email software in order to access and receive the Covered Communications; and
  • Software that enables you to view files in Portable Document Format (PDF), or print web pages and embedded HTML files.

If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add predictaBill to your email address book and/or add the domain predictaBill.com to your email account’s list of safe senders so that you will be able to receive Covered Communications we send to you via email.

Some states may require insurance documents to be displayed in a particular font size. To ensure that the Covered Communications are displayed at the correct font size for your state, please make sure that the view size setting for the communications is set to 100% and your browser resolution is 800 x 600.

predictaBill is not responsible for errors or failures caused by any malfunction of your computer, browser, or software. predictaBill is also not responsible for computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of Covered Communications sent via email.

 

YOU ACKNOWLEDGE AND CONFIRM THAT YOU HAVE THE HARDWARE AND SOFTWARE DESCRIBED ABOVE, THAT YOU ARE ABLE TO RECEIVE, ACCESS, VIEW, SIGN, RETAIN, AND REPLY TO COVERED COMMUNICATIONS PROVIDED ELECTRONICALLY, AND THAT YOU HAVE AN ACTIVE EMAIL ACCOUNT.

How to Obtain Paper Copies of Covered Communications

We will not send you a paper copy of any Covered Communications provided electronically, 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, please contact us at the information provided under Contact Us below. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this Agreement. Requesting a paper copy of a Communication provided to you electronically does not withdraw your consent to this Agreement or change your election to continue to receive Covered Communications electronically.

 

How to Update Your Records

It is your responsibility to provide us with a valid and active email address and other information related to your access and use of the Site, and to maintain and update promptly any changes to this information. You can update your email address and other information by contacting us at the information provided under Contact Us below.

You understand and agree that if predictaBill sends you a Covered Communication electronically but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive the Communication sent electronically, predictaBill will be deemed to have provided such Communication to you. Further, if your email address becomes invalid such that electronic Communications sent to you by predictaBill are returned, predictaBill may deem your account to be inactive, and you will not be able to transact any activity using your predictaBill account until we receive a valid, working primary email address from you.

How to Withdraw Your Consent

You may withdraw your consent to use electronic signatures or to receive Covered Communications electronically by contacting us at the information provided under Contact Us below. We will not impose any fee to process the withdrawal of your consent to receive Communications electronically. However, if you withdraw your consent to receive Communications electronically, predictaBill reserves the right to restrict or deactivate your account or access to the predictaBill Website or charge you additional fees for paper copies. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Termination of your consent to receive Covered Communications electronically shall not affect legal enforceability of any contract or other terms provided to you.

Termination and Changes

We reserve the right, at our sole discretion, to discontinue the provision of your Covered Communications electronically, or to terminate or change the terms and conditions on which we provide electronic Communications or otherwise transact business electronically. We will provide you with notice of any such termination or change as required by law.

Contact Us

If you have any questions regarding this Agreement or to submit a request under this Agreement, please contact us at the information below:

U.S. Mail:

PREDICTABILL, INC.

244 Fifth Avenue, Suite 1209

New York, NY 10001

Email:

info@predictabill.com

Your Consent

BY AGREEING TO THIS ELECTRONIC TRANSACTIONS AND DISCLOSURES AGREEMENT: (I) YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THE TERMS, CONDITIONS, DISCLOSURES, AND STATEMENTS SET FORTH IN THIS AGREEMENT; (II) YOU AFFIRMATIVELY CONSENT TO ALL SUCH TERMS, CONDITIONS, DISCLOSURES, AND STATEMENTS SET FORTH IN THIS AGREEMENT; (III) YOU AGREE THAT YOUR ELECTRONIC SIGNATURE IS THE LEGAL EQUIVALENT OF YOUR WRITTEN SIGNATURE ON THIS AGREEMENT AND ALL OTHER CONTRACTS AND OTHER DOCUMENTS REQUIRING YOUR SIGNATURE, AND NO CERTIFICATION AUTHORITY OR OTHER THIRD-PARTY VERIFICATION IS NECESSARY TO VALIDATE YOUR ELECTRONIC SIGNATURE; AND (IV) YOU ACKNOWLEDGE AND AGREE THAT YOU ARE ABLE TO RECEIVE, ACCESS, VIEW, SIGN AND RETAIN COVERED COMMUNICATIONS PROVIDED ELECTRONICALLY AS DESCRIBED UNDER THE HARDWARE AND SOFTWARE REQUIREMENTS ABOVE. YOUR CONSENT TO THE TERMS, CONDITIONS, DISCLOSURES, AND STATEMENTS SET FORTH IN THIS AGREEMENT ALSO APPLIES FOR OTHER INSUREDS ON YOUR POLICY.