Terms of Service

CAMBER PLATFORM TERMS OF SERVICE (EMPLOYER) 1. The Platform. Just Cause Insurance Services, LLC (“JCIS”) provides a web-based benefits administration, HR, and payroll-calculation platform (the “Platform”) to employers for which JCIS serves as benefits broker. Employer receives a non-exclusive, non-transferable right to use the Platform for its internal business purposes during the service term. 2. No Charge. JCIS provides the Platform as part of its brokerage services to Employer, at no separate charge. JCIS will not introduce any charge for the Platform without at least SIXTY (60) DAYS' prior written notice to Employer; if Employer does not wish to pay it, Employer may terminate under section 6 before it takes effect and export its data. 3. Employer Data. Employer retains ownership of its data. Employer grants JCIS the right to process employer and employee data to operate the Platform, comply with law, and — where separately consented — assist employees with marketplace coverage. JCIS maintains administrative, technical, and physical safeguards appropriate to the sensitivity of the data. 4. Accuracy; No Advice. Employer is responsible for the accuracy of the data it enters. The Platform's outputs (including payroll calculations, ACA determinations, and compliance reminders) are informational tools, not legal, tax, or accounting advice. 5. Acceptable Use. Employer will not misuse the Platform, attempt to access other tenants' data, or use the Platform to violate any law, including employment, privacy, and electronic-communications laws. 6. Term; Termination. Either party may terminate with 30 days' written notice. JCIS may suspend access for material breach. Employer may export its data for 60 days after termination. 7. Disclaimers; Liability. THE PLATFORM IS PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, JCIS'S AGGREGATE LIABILITY IS LIMITED TO THE FEES PAID BY EMPLOYER IN THE 12 MONTHS PRECEDING THE CLAIM (OR $100 FOR NO-FEE ACCOUNTS), AND NEITHER PARTY IS LIABLE FOR INDIRECT OR CONSEQUENTIAL DAMAGES. 8. Account Security; Multi-Factor Authentication. Employer and its users are responsible for safeguarding their login credentials and for enabling multi-factor authentication (MFA), which JCIS makes available to every account at no charge. TO THE MAXIMUM EXTENT PERMITTED BY LAW, JCIS IS NOT RESPONSIBLE OR LIABLE FOR ANY UNAUTHORIZED ACCESS, ACCOUNT COMPROMISE, DATA DISCLOSURE, OR RESULTING LOSS OR DAMAGE ARISING FROM AN ACCOUNT FOR WHICH MFA WAS AVAILABLE BUT NOT ENABLED. 9. COBRA and Compliance Notices. Where the Platform generates COBRA continuation-coverage notices (including the General/Initial Notice of COBRA Rights) or other benefits-compliance notices, it does so solely as a document-preparation tool for Employer's use. Employer is the plan administrator responsible for these notices. JCIS does not act as Employer's COBRA administrator, third-party administrator, or plan administrator; does not mail, deliver, or transmit any such notice; and is not responsible for whether, when, how, or to whom any notice is delivered, for the accuracy or completeness of the data Employer enters, or for Employer's compliance with COBRA, ERISA, the Internal Revenue Code, or any other law. Employer is solely responsible for reviewing each generated notice, delivering it to the required recipients within the applicable deadlines, and retaining proof of delivery. Generated notices are informational document templates, not legal advice. 10. Employee Initial-Load Onboarding. Employees Employer adds to the Platform complete an initial-load onboarding before their record is fully active. This onboarding establishes the employee's sign-in credentials (and, where Employer uses the Platform's time-keeping, their clock-in credentials) and requires the employee to review and confirm the personal, dependent, and tax-withholding information Employer loaded on their behalf. Where Employer provides a temporary email address for an employee (for example, because a durable personal or work address is not yet available), Employer is solely responsible for that temporary mailbox and for ensuring the intended employee — and only that employee — has access to it; JCIS sends the onboarding invitation to that address until it expires, after which the invitation and login move to the employee's work or personal email. Employer is responsible for the accuracy of the data it loads and for the employee's completion of this onboarding. 11. Employee Account Activation. When Employer's implementation is complete, JCIS will email each of Employer's employees an invitation to activate employee self-service. JCIS sends that invitation to the employee's work email address where one is on file, and otherwise to the personal email address on file. Employer is responsible for the accuracy of the addresses it provides and for telling its workforce to expect the invitation. Activation requires the employee to (a) set their own credentials, (b) review and CONFIRM that the personal, employment, dependent, and tax information loaded into the Platform is correct, and (c) complete the consumer consent and authorization required before JCIS may assist that individual with an enrollment through the Federally-facilitated Marketplace, including consent to obtain and use the information needed to determine eligibility for Marketplace coverage and any premium tax credit. An employee may decline the Marketplace consent and still use the Platform for every other purpose; declining only means JCIS will not assist that person with a Marketplace enrollment. Employees confirm their own records, but Employer remains responsible for correcting any information an employee reports as wrong. 12. General. These terms are governed by the laws of the State of Texas. JCIS may update these terms with notice; continued use after the effective date constitutes acceptance of the updated version.

CAMBER PLATFORM TERMS OF SERVICE (EMPLOYEE) By creating an account you agree that: (a) Just Cause Insurance Services, LLC (“JCIS”) provides your employer a benefits/HR platform and provides you a personal portal to view and manage your own information; (b) you will keep your login credentials confidential and the information you enter accurate, and where multi-factor authentication is available for your account you are responsible for enabling it — to the maximum extent permitted by law JCIS is not responsible for unauthorized access or losses arising from a compromised account for which available security features were not used; (c) information shown in the portal (including pay estimates, benefit costs, and eligibility screens) is informational and not legal, tax, or medical advice; (d) JCIS processes your information to operate the portal for you and your employer and as described in the Camber privacy notice; and (e) JCIS may update these terms with notice, and your continued use after the effective date is acceptance of the updated version. You may close your account at any time; records your employer is required to retain will be kept per its retention obligations.

TÉRMINOS DE SERVICIO DE LA PLATAFORMA CAMBER (EMPLEADO) Al crear una cuenta, usted acepta que: (a) Just Cause Insurance Services, LLC (“JCIS”) proporciona a su empleador una plataforma de beneficios y recursos humanos y le proporciona a usted un portal personal para ver y administrar su propia información; (b) usted mantendrá confidenciales sus credenciales de acceso y exacta la información que ingrese, y, cuando la autenticación de múltiples factores esté disponible para su cuenta, usted es responsable de activarla — en la máxima medida permitida por la ley, JCIS no es responsable del acceso no autorizado ni de las pérdidas derivadas de una cuenta comprometida en la que no se usaron las funciones de seguridad disponibles; (c) la información que se muestra en el portal (incluidas las estimaciones de pago, los costos de beneficios y las pantallas de elegibilidad) es informativa y no constituye asesoramiento legal, fiscal ni médico; (d) JCIS procesa su información para operar el portal para usted y su empleador y según se describe en el aviso de privacidad de Camber; y (e) JCIS puede actualizar estos términos con previo aviso, y su uso continuado después de la fecha de entrada en vigor constituye la aceptación de la versión actualizada. Usted puede cerrar su cuenta en cualquier momento; los registros que su empleador esté obligado a conservar se mantendrán conforme a sus obligaciones de retención.