Student Accident Enrollment

Voluntary Consent to Electronic Transactions

By placing your name and signing this Voluntary Consent to Electronic Transactions, you voluntarily consent to transacting electronically with Alive Risk (referred to as “Alive Risk”, or as “we”, “us”, or “Company” in this document). Alive Risk is a part of the Ryan Specialty Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. In California: RSG Specialty Insurance Services, LLC (License #0G97516). You also consent to receive certain documents electronically as may be required by law for Alive Risk to provide to you, such as insurance notices and insurance forms, including but not limited to evidence of enrollment, underwriting forms, certificates of insurance, policy forms, quotes, binders, applications, claims forms, and/or other disclosures, as well as voluntarily consent to electronic premium payments, and all other electronic payments and/or reimbursements. Altogether these transactions that you voluntarily consent to are referred herewith as “Insurance Electronic Transactions.”

Described below are the terms and conditions for allowing you and Alive Risk to conduct these Insurance Electronic Transactions through our Company, its third-party administrators and vendors’ system(s). Please read the information below carefully and thoroughly.

Request for Paper Copies:

While through this Voluntary Consent to Electronic Transactions, you agree to receiving your insurance notices and forms by electronic means, you may, at any time, request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you through our systems.

However, if you wish for us to send you paper copies of any such documents, you may (on an annual basis, at no charge for the first copy and at $0.10 per page for subsequent copies) request delivery of such paper copies from us by contacting us via electronic mail at contact@aliverisk.com, via telephone at (800) 366-5810 x 52128, or by mail at Alive Risk, 81 S. 9th St., Suite 400, Minneapolis, MN 55402. Please include the following title in the subject matter: Request for Paper Copies and describe the notice(s) and/or form(s) you would like a paper copy of. Please allow for a reasonable time for Alive Risk to process.

Withdrawing Consent to Electronic Transactions:

You may withdraw your Voluntary Consent to Electronic Transactions at any time and request for all your insurance transactions with Alive Risk to be held via telephone and mail services (via USPS), thereby receiving paper copies only of notices and forms, by contacting us via electronic mail at contact@aliverisk.com, via telephone at (800) 366-5810 x 52128 or by mail at Alive Risk, 81 S. 9th St., Suite 400, Minneapolis, MN 55402. Please include the following title in the subject matter: Withdrawing Consent to Electronic Transactions. Please allow for a reasonable time for Alive Risk to process.

Please understand that if you elect to withdraw your Voluntary Consent to Electronic Transactions, and work via telephone and mail services (via USPS) only, it may slow the speed at which we can complete certain transactional steps with you and the delivery of our services to you, because we will need first to send the required notice(s) and/or form(s) to you in a paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notice(s) and/or form(s). Further, you will no longer be able to use our online systems and services to conduct your insurance transactions with us.

Request for a Change in Electronic Mail Address:

Unless you tell us otherwise, in accordance with the procedures described above, we will provide electronically to you through our Company, third-party administrators and vendor system(s) or via electronic mail all required notices, forms, disclosures, authorizations, acknowledgements, and other insurance documents that are required to be provided or made available to you during the course of our relationship with you.

To reduce the chance of you inadvertently not receiving one of the notice(s) or form(s) sent to you by or on behalf of Alive Risk we will send them all to the electronic mail on record with us and as you initially provide to us.

To let us know of a change in your electronic mail address where we should send all notices and forms electronically to you, you must send an email message to us with the subject: “Change of Email Address” at contact@aliverisk.com and in the body of such request state: your previous email address, and your new email address. We do not require any other information from you to change your electronic mail address. It is, however, imperative that you confirm your previous email address in order for us to process the change.

Required hardware and software:

The minimum system requirements of all of Alive Risk’s systems’ including those of its third-party administrators and vendors are as follows:

Alive Risk systems support the latest stable release of these browsers:
- Chrome
- Firefox
- Microsoft Edge
- Safari

Note: Prerelease (such as Beta) versions of operating systems and browsers are not supported.

- Recommended screen resolution is 1024 x 768
- Security Settings include:
     - Allowing per session cookies
     - User accessing the Internet behind a Proxy Server enabled HTTP 1.1 settings through a proxy connection
     - Firewall settings must allow access
- PDF Reader includes Acrobat Reader or similar software (PDF 1.5+)
- Mobile Signing include:
     - iPhone iOS 13.0+
     - iPad iOS 3.0+
     - iPod touch iOS 3.0+
     - Androids 5.0+
     - Windows 8+
     - Windows Phone
​
To confirm to us that you can access this information electronically, which will be similar to other electronic notices and/or forms that we will provide to you, please read this Voluntary Consent to Electronic Transactions, and make sure (i) that you are able to print on paper or electronically save this Voluntary Consent to Electronic Transactions for your future reference and access; or (ii) that you are able to email this Voluntary Consent to Electronic Transactions to an email address where you will be able to print on paper or save it for your future reference and access.

Your clicking of “I read and agree to these terms” below constitutes your electronic signature. By placing your email address and signing this Voluntary Consent to Electronic Transactions, you confirm that:
- You can access and read this Voluntary Consent to Electronic Transactions; and
- You can print on paper this Voluntary Consent to Electronic Transactions, or save or send this Voluntary Consent to Electronic Transactions to a location where you can print it, for future reference and access; and
- Until or unless you notify Alive Risk as described above, you consent to receiving exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by Alive Risk during the course of your relationship with Alive Risk.
- Until or unless you notify Alive Risk as described above, you consent to sending and receiving exclusively through electronic means all premium payments, settlement payments and other insurance payments as may be due from time to time.

The Voluntary Consent to Electronic Transactions terms will be available to print for your records or electronically save for future reference in the enrollment confirmation email provided.

Important Notice: Fraud Warnings

• In general, and specifically for residents of Arkansas, Illinois, Louisiana, Rhode Island, and West Virginia: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

• For residents of Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines and confinement in prison, or any combination thereof.

• For residents of Colorado: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

• For residents of the District of Columbia: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

• For residents of Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

• For residents of Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

• For residents of Maine, Tennessee, and Washington: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

• For residents of Oregon: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

• For residents of Maryland: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

• For residents of New Jersey: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

• For residents of New Mexico: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

• For residents of New York: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

• For residents of Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

• For residents of Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete, or misleading information is guilty of a felony.

• For residents of Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

• For residents of Texas: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

• For resident of Virginia: Any person who with the intent to defraud or knowing that he is facilitating a fraud against an insurer submits an application or files a false or deceptive statement may have violated state law.