We are required by law to provide certain disclosures to you before you enter into a transaction electronically. In addition, we need your consent to enter into such transactions before we can deliver, or authorize the delivery of, certain documents to you electronically. By signing below, you acknowledge that you have read this notice and have voluntarily agreed to engage in transactions with us electronically. 


Communications” means all the information that we are required to provide to you by law, or as reasonably necessary to administer your Contract, which includes, but is not limited to, your online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, periodic billing statements, offer of renewal, notice of cancellation, amendments, services, notices and disclosures about changes in the terms of your Contract. 

Contract” means a Policy/certificate or any other product or service requested by you and provided by us. 

Policy” means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, and includes all clauses, riders or endorsements and declarations pages. 

Website” means the website located at obierisk.com.

Scope of Communications to be Provided in Electronic Form 

You agree that we may provide you with any Communication in electronic format, and that we may discontinue sending paper Communications to you (including paper communications required to be sent via U.S. mail), unless and until you withdraw your consent as described below or, at our option, upon notification by us to you. You further acknowledge that we may authorize an agent to deliver certain Communications to you on our behalf and perform other services to help facilitate the delivery of Communications to you.

Method of Providing Communications to You in Electronic Format 

All Communications that we provide to you in electronic format will be provided by one or more of the following methods (to the extent permissible by law): (i) via e-mail; (ii) by access to the Website; (iii) by access to a website other than the Website that we will generally designate in advance for such purpose; or (iv) via text message or mobile message service. With respect to text message and mobile messaging service communications, your carrier may charge you a fee for receiving the message. 

We will provide a particular Communication in writing if required by law to do so. 

How to Withdraw Consent 

You may withdraw your consent to receive electronic Communications at any time by reaching out through our Contact Us channels below. 

At our option, we may treat 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; however, your access and use of the Website 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 will not affect legal enforceability of any Contract provided to you. 

How to Update Your Contact Information 

It is your responsibility to provide us with a true, accurate and complete e-mail address, contact, and other information related to the Website and your Contract, and to maintain and promptly update any changes in this information. You can update your information by providing updated information through any of our Contact Us channels below. Please do not send confidential information to us via e-mail because we cannot guarantee that the transmission will be secure. 

Hardware and Software Requirements

In order to access, view and retain electronic Communications from us, you must have: 

  1. An up-to-date Internet browser to access your Communications; 
  2. Local, electronic storage capacity to retain our Communications and/or a printer to print them; 
  3. A valid e-mail account and software to access it; 
  4. An up-to-date device or devices (e.g., computer, Smartphone, tablet, etc.) suitable for connecting to the Internet; 
  5. Added the domain obierisk.com to your e-mail account’s list of safe senders; 
  6. Software that enables you to view files in Portable Document Format (“PDF”). You may be able to download the most recent version of Adobe Reader by clicking here. If you cannot download the most recent version of Adobe Reader, please call your manufacturer to find out how to download software that is functionally equivalent. 

Requesting Paper Copies 

When you consent to receive Communications electronically, you should not expect to receive a paper copy of any Communication, unless you request a paper copy, a paper or other written copy is required by law, 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 one to you. We may charge you a reasonable service fee for a paper copy where permitted by law. To request a paper copy, you may do so by reaching out through our Contact Us channels below. 

How to Contact Us 

You may contact us through any of the following methods: 

Call us:  (773) 820-7132 
E-mail us: legal@obierisk.com
Write to us: Creisoft, Inc. Attn: Legal Department 1134 W Hubbard St. Floor 3. Chicago, IL 60642
Web Site:  www.obierisk.com

By agreeing, you agree to the terms and conditions above and affirm (1) that you are voluntarily opting in to engage in transactions with us electronically; (2) you may opt out at any time by contacting us through any of our Contact Us methods; (3) electronic transactions include receiving all Communications electronically; (4) you will keep your contact information up to date by contacting us through any of our Contact Us methods; and (5) you will contact us using any of our Contact Us methods.