Electronic Disclosure and Consent for Banking Services

Last updated 08/30/2021

In this agreement, "we," "us," "our," and "Liferaft" mean Liferaft Risk Technologies, Inc., Liferaft Insurance, LLC, and each of our affiliates. "You" and "your" refer to the business entity signing up for a Liferaft account or using a Liferaft banking product. "Communications" means and disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request.

Liferaft is dedicated to providing the best online banking experience possible, including providing information to you electronically. By accepting this agreement, you agree that you are willing and able to receive Communications in electronic form, and consent to receive Communications in electronic form. If you do not give your consent to receive Communications in electronic and not paper form, you may not open a Liferaft banking account. If you withdraw your consent to electronic Communications at any point after providing consent hereunder, we reserve the right to terminate your Bank Account.

Delivery Methods

We will deliver Communications to you electronically, either through the Liferaft website liferaft.co ("Website"); text or SMS messages ("Text Messages"); or through electronic mail ("E-mail"). If we do not deliver Communications to you through the above manners, we will tell you where you can go to receive such Communications.

We may be required by law to deliver certain Communcations to you on paper even though you have consented to receive it electronically.

Hardware and Software Requirements

To receive and retain electronic Communications from Liferaft, you will need the following:

A computer or mobile device with an operating system that supports everything below;

An internet connection;

A current version of a web browswer that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher;

A hard drive or other method of storing data;

A valid, active email address; and

A current version of a program that displays PDF files.

We may update these requirements periodically in order to maintain our ability to provide electronic Communcations. You can update your email address and other contact information by emailing us at [email protected].

Requesting Paper Copies

We may choose to make paper copies of certain electronic Communications available upon request, but assume no obligation to do so. You may obtain a paper copy of an electronic Communication by printing it. You may make requests for paper copies by emailing us at [email protected].

Communications in Writing

We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing."

Withdrawing Consent

You have the right to withdraw your consent to this agreement at any time. Withdrawing consent will terminate your Liferaft bank account, and a balance refund check may be issued to you upon account termination in accordance with this agreement. However, you may still be able to access your historical statements and other accounts and products offered by Liferaft. You may withdraw consent by emailing us at [email protected].

Contact Us


[email protected]


(408) 933-9658 or (888) 977-8080

U.S. Mail

251 Rhode Island Street, Suite 107, San Francisco CA 94103