Electronic Communications & E-SIGN Consent

Effective date: June 22, 2026

1. Who we are

ShopHealthcare (the website at shophealthcare.com) is operated by Core Value Insurance Associates, LLC, a licensed, independent, off-exchange health insurance brokerage (National Producer Number 19482230), located at 1 Century Lane, Miami Beach, FL 33139. We are a brokerage, not an insurance carrier, and we are not the ACA Health Insurance Marketplace, HealthCare.gov, Medicare, Medicaid, or any government agency. We are not a HIPAA covered entity. Throughout this document, "we," "us," and "our" mean Core Value Insurance Associates, LLC, and "you" and "your" mean the person giving this consent.

2. Why you're seeing this

Shopping for coverage, getting a quote, talking with our AI enrollment assistant ("Nora"), and enrolling in a plan all happen online. Federal law — the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 and following, known as the E-SIGN Act — lets us deliver legally required disclosures and records to you electronically, but only after we tell you your rights and you agree. This document gives you that information and asks for your agreement.

3. Your consent to do business electronically

By checking the box, clicking "I agree" (or a similar button), continuing through our quoting and enrollment flow, or otherwise indicating your acceptance, you agree that:

• We may provide to you in electronic form any disclosure, notice, record, agreement, document, or other communication (each, a "Communication") that we are required by law to provide in writing, as well as Communications we choose to provide electronically.
• Your electronic signature or affirmative click has the same legal effect as a handwritten ("wet ink") signature on paper.
• Electronic Communications we deliver, post, or make available to you satisfy any legal requirement that the Communication be in writing, signed, or delivered.

What this covers

This consent applies to Communications connected to your relationship with us, including but not limited to:

• This E-SIGN Consent, our Terms of Use, our Privacy Policy, our Cookie Notice, and our Health Data Practices notice;
• Quotes, eligibility results, plan summaries, benefit information, and comparisons we generate for you (including those produced with the help of our quoting partner, Quotit);
• Enrollment applications, confirmations, and the documents you sign to apply for coverage;
• Our Licensing disclosures and other regulatory or broker disclosures; and
• Service messages, account notices, and updates to any of the above.

Important: Core Value Insurance Associates, LLC is the broker, not the carrier. Once you enroll, the insurance carrier issues your policy. The carrier — not us — sends your policy documents, certificate of coverage, premium notices, billing, and claims correspondence, and handles payment for coverage at enrollment. The carrier's own electronic-delivery terms and consents govern those documents. This consent governs Communications from us.

4. How we'll deliver electronic Communications

We may deliver Communications to you by one or more of these methods:

• Email to the address you give us;
• Display or download within our website or enrollment flow during your session;
• A message or link sent through Nora, our AI enrollment assistant; or
• A secure link directing you to a Communication you can view, download, and print.

Where we send a notice that a Communication is available rather than the Communication itself, we'll include instructions for accessing it. A Communication is considered received when we send it to your email address, post it for you, or otherwise make it available — whether or not you actually open it. You are responsible for keeping your contact information current (see Section 8) and for reviewing Communications promptly.

Note on text messages: We do not currently send SMS/text messages. If we launch text messaging in the future (for example, through Nora), we will ask for your separate express written consent at the point we collect your number, and that texting consent will be governed by the terms presented there — not by this E-SIGN Consent. See our Communications notice for how we use email and phone today.

5. Hardware and software you'll need

To receive, view, and keep electronic Communications, you need, at your own expense:

• A computer, smartphone, or tablet with a current operating system and an internet connection;
• A current version of a mainstream web browser (for example, the latest or immediately prior release of Google Chrome, Apple Safari, Mozilla Firefox, or Microsoft Edge) with cookies and JavaScript enabled;
• A valid email account and the software to access it;
• Software that can view, save, and print PDF files (such as a current PDF reader);
• Enough storage, or a connected printer, to keep copies of Communications for your records; and
• If you complete an insurance card scan, a device with a working camera or the ability to upload an image file.

If our hardware or software requirements change in a way that creates a material risk you won't be able to access or keep Communications, we'll tell you and give you the chance to withdraw this consent, without charge, before the change takes effect.

Confirm you can access this notice

By agreeing, you confirm that you can access and read this E-SIGN Consent in the electronic form in which it's presented (an HTML web page that you can view, download, and print), and that you have the hardware and software described above. If you can't, do not agree — contact us using the details in Section 9 and we'll help.

6. Requesting paper copies

You can ask for a free paper copy of any Communication we've provided to you electronically. To request one, contact us at the address, email, or phone number in Section 9 and tell us which Communication you need and where to mail it. We will not charge you a fee for paper copies of Communications we are legally required to provide. Requesting a paper copy does not, by itself, withdraw your consent to receive Communications electronically.

7. Withdrawing your consent

You can withdraw this consent at any time. To do so, contact us using the details in Section 9 and clearly state that you want to stop doing business electronically.

• Withdrawal takes effect only after we've had a reasonable time to act on your request, and it applies only to Communications we send after that point — it doesn't undo Communications already delivered.
• We do not charge a fee to withdraw your consent.
• Because our quoting and enrollment process is delivered online, withdrawing consent may mean we can no longer provide you a quote, complete an enrollment, or continue serving you through the website. If you've already enrolled, withdrawing consent with us does not change your relationship with your insurance carrier or affect documents the carrier sends you.

8. Keeping your contact information current

It's your responsibility to give us a valid email address and phone number and to keep them up to date. To update your contact information, email or call us using the details in Section 9, or update it within the enrollment flow where that option is available. We are not responsible for Communications you don't receive because your contact information is out of date, your inbox is full, or our messages are filtered or blocked. We collect and handle this contact information as described in our Privacy Policy.

9. How to reach us

For paper copies, to withdraw consent, to update your contact information, or with any question about this consent:

• Core Value Insurance Associates, LLC
• 1 Century Lane, Miami Beach, FL 33139
• Email: privacy@shophealthcare.com
• Phone: the number listed at /communications and in the site footer

10. Scope, changes, and governing law

This consent stays in effect for as long as you use ShopHealthcare or until you withdraw it. We may update this E-SIGN Consent from time to time; if we make a material change, we'll post the updated version with a new effective date and, where appropriate, notify you. Your continued use after an update means you accept the change.

This consent is governed by the federal E-SIGN Act and, to the extent state law applies, by the laws of the State of Florida, where we are headquartered, without regard to its conflict-of-laws rules. This consent works together with our Terms of Use and Privacy Policy; if there's a direct conflict about electronic delivery and signatures specifically, this document controls on that subject. Nothing here limits any right you have under applicable law.