Terms of Service

By creating an account or using the Platform, you represent that you are at least 18 years old, have the authority to enter into these Terms on behalf of yourself or your organization, and agree to comply with these Terms and all applicable laws. If you are accessing the Platform as an employee through your employer's benefits program, your employer has agreed to these Terms on your behalf.

Enrova.ai is a cloud-based benefits enrollment platform that enables employers to configure and administer benefit programs, brokers to manage benefit offerings for employer clients, and employees to review, compare, and enroll in benefits.

The Platform includes Lumi, an AI-powered benefits advisor. Lumi provides general information about the plans your employer has made available — it does not provide insurance, legal, financial, or medical advice.

• Broker Accounts — created by Enrova.ai or authorized Northgate personnel. Brokers may configure employer groups, upload plan documents, and manage enrollment periods.
• Employer/Administrator Accounts — provisioned by brokers. Administrators may manage their organization's benefit configuration, employee roster, and enrollment periods.
• Employee Accounts — provisioned by employers or created via invitation. Employees may view available plans, interact with Lumi, and complete benefit elections.

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately of any unauthorized access at mlamarche@northgatebenefitgroup.com.

You agree not to:

• Access the Platform for any unlawful purpose
• Attempt to gain unauthorized access to any account, system, or data
• Upload malicious code, viruses, or disruptive content
• Scrape, copy, or reproduce Platform content without written permission
• Reverse engineer or attempt to extract source code from the Platform
• Impersonate another user or provide false information

Your use of the Platform is governed by our Privacy Policy, incorporated into these Terms by reference.

Employer responsibilities: Employers are responsible for obtaining any required employee consents for data collection, ensuring employee data provided to the Platform is accurate, and complying with applicable employment, benefits, and privacy laws.

Data ownership: Employers retain ownership of their employee data. Enrova.ai processes this data solely to deliver the Platform services.

For employer clients subject to HIPAA, Enrova.ai operates as a Business Associate. Before processing any Protected Health Information (PHI), a Business Associate Agreement (BAA) must be executed between Enrova.ai and the covered entity. Employers who are covered entities or business associates must contact Enrova.ai to execute a BAA before using the Platform for PHI-related benefits administration.

By using Lumi, you acknowledge:

• Lumi provides general information about available benefit plans — it does not provide personalized insurance, medical, financial, or legal advice
• Lumi's responses are generated by AI and may not be complete, current, or accurate in all circumstances
• For coverage decisions or claims, contact your carrier or employer directly
• Lumi conversations are logged for security and audit purposes per our Privacy Policy
• Do not share sensitive personal health information (diagnoses, conditions, medications) with Lumi

All Platform content, features, design, code, and branding are owned by Northgate Benefit Group or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Platform solely for its intended purpose.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ENROVA DOES NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE OR UNINTERRUPTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ENROVA AND NORTHGATE BENEFIT GROUP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.

You may stop using the Platform at any time. Employer accounts may be closed by contacting mlamarche@northgatebenefitgroup.com. We may suspend or terminate your access if you violate these Terms, with reasonable notice except in cases of breach.

These Terms are governed by the laws of the State of South Carolina. Disputes will first be subject to good-faith negotiation, then binding arbitration under the American Arbitration Association's Commercial Arbitration Rules in Charleston, South Carolina. You waive any right to participate in class-action proceedings.

We may update these Terms from time to time. We will notify users of material changes via email or in-Platform notice at least 14 days before changes take effect. Continued use after the effective date constitutes acceptance.

Northgate Benefit Group / Enrova.ai
Matthew LaMarche, Founder
mlamarche@northgatebenefitgroup.com
(803) 354-6310 · northgatebenefitgroup.com