that apply to all of the following domains. We refer to each of the websites accessible
through these domain names as a "site" and, collectively, the "sites."
When we refer to "we," "us," or "our," we mean Michigan
Commercial Insurance Mutual or the specific division, subsidiary, or affiliate that
operates the site, provides its content, or processes information received through
it, each as appropriate and applicable.
When we refer to "you" or "your," we mean the person accessing
the site. If the person accessing the site does so on behalf of, or for the purposes
of, another person, including a business or other organization, "you"
or "your" also means that other person, including business organization.
This site is (c)1999-2004 by us and we reserve all rights. You
may inquire about rights to reproduce content from this site by e-mailing our copyright
Copyrights and Other Intellectual Property.
Trademarks of others are the property of their respective owners. These include
Microsoft(r) Corporation (as to Word(r), Excel(r), Access(r), and PowerPoint(r)).
We make no claim to the trademarks of others.
Agreement to be Bound.
By accessing this or any other site, continuing to access this
or any other site, or downloading materials from this or any other site, you agree
non-transferable, limited right to access the sites and the materials thereon. You
may use the sites for informational purposes and in connection with the purchase
of products or services from us. If you are not employed by a business or organization
with authority to access this site, your limited right to access the sites and the
materials thereon is terminated.
You agree not to interrupt or attempt to interrupt the operation
of any site in any way.
We authorize you to view and download materials from the sites
only for your use in connection with the purchase or evaluation of our products
and services or in the exercise of any membership rights described in any of the
sites. This authorization is not a transfer of any rights in the materials other
than those expressly granted. Any copies you make of the materials (including by
printing or by retaining electronic copies) are subject to the following restrictions.
Use of Materials.
(1) you may not remove, or disassociate, from any of the materials any copyright
or other proprietary notices contained in the materials;
(2) you may not modify, reproduce, display, perform, distribute, prepare derivative
works from, or otherwise use the materials for any purpose not expressly permitted
(3) you may not transfer the materials to any other person unless you give them
notice of, and they agree to accept, the obligations arising under these terms of
Except as expressly requested in a site, we do not want you to,
and you should not, send any confidential or proprietary information to, or post
any such information on, any site. Except where we expressly request confidential
information from you and tell you that information that you give to use will be
treated otherwise, any information you give to use through any site is subject to
the following provisions.
(1) You represent and warrant to us and to all others that may access the site that
you own, or possess sufficient rights in, all such information and all such parties
may regard such information as public and, in any case, not your proprietary information;
(2) you grant to us a non-exclusive, irrevocable, worldwide, fully-paid, royalty-free
license to use, reproduce, display, publicly perform, prepare derivative works from,
transmit and distribute such information as we see fit; and
(3) We are free to use any ideas, concepts or know-how contained in such information.
Misuse of the Sites.
You may not make any statements on, or provide or post any information
to, a site that is defamatory, threatening, obscene, harassing, or otherwise unlawful,
or that incorporates the proprietary material of another. We expressly disclaim
any liability for the unauthorized use of this site, or for the unauthorized distribution
or retention of passwords to access this site. By using this site, you represent
that you are an authorized person to access this site, and agree to hold us harmless
if this representation is not true.
THE SITES AND ALL MATERIALS AVAILABLE ON OR THROUGH THEM ARE PROVIDED
WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY,
AND EFFORT IS WITH THE USER. WE FURTHER DISCLAIM ALL IMPLIED WARRANTIES AS TO INFRINGEMENT
OR MISAPPROPRIATION, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.
Disclaimer of Warranties.
We reserve the right, at our sole discretion and without any notice,
to change, modify, add or remove any portion of these terms and conditions at any
time. Changes in these terms and conditions will be effective when the revised terms
and conditions are posted. Your use or continued use of any site after any changes
to these terms and conditions are posted will be considered acceptance of those
ACCESS ANY SITE TO MAKE SURE THAT YOU CONTINUE TO AGREE TO THEIR TERMS.
We may terminate, change, suspend, or discontinue any aspect of
any site, including the availability of any features of any site, at any time. We
may also impose limits on certain features and services or restrict your access
to parts or a site or one or more entire sites without notice or liability. We may
terminate the authorization, rights, and license given above and, upon such termination;
you will immediately destroy all materials.
Changes to the Site.
The site is controlled, operated and administered by us or our
agents from offices within the United States of America. We make no representation
that materials at this site are appropriate or available for transmission to or
from, or use in, locations outside of the United States and accessing the site
from any jurisdictions where such site's contents are illegal is prohibited. You
may not use the site or export the materials in violation of United States or any
other import or export laws and regulations. If you access this Site from a location
outside of the United States, you are responsible for compliance with all local
The laws of the State of Michigan and the federal laws of the
United States (without regard to the choice of law rules of the State of Michigan
suit or other action arising out of, or in any way connected with, your use of any
site may be brought only in the courts of the State of Michigan sitting in Eaton
County, Michigan or in the United States District Court for the Western District
of Michigan. You irrevocably consent to the jurisdiction and venue of such courts.
Choice of Law, Jurisdiction, and Venue.
You must commence any suit or other action in connection with
your use of any site within one year after events giving rise to the claim or cause
of action arises.
Limitation of Actions.
If, for any reason, a court of competent jurisdiction finds any
unenforceable, that provision shall be enforced to the maximum extent permissible
Certain areas and features of sites contain terms and conditions
specific to those areas and features. Such terms and conditions are in addition
to these terms and conditions and prevail over these terms and conditions and the
policy does not cover information we collect by means other than a site. If you
have any questions about how we use information collected by means other than a
site, you should inquire at or before the time you give such information to us.
Note that this policy contains several important exceptions, most notably the exception
involving use of information to identify and/or pursue persons who are under criminal
investigation or who damage, or may damage, our information or other resources.
We are the sole owner of the information collected through the
sites. We will not sell, share, or rent this information to others in ways different
from those disclosed in this policy. We may collect information from its users at
several different points on the site.
Information Ownership, Collection and Use
and uses of information that may not presently apply to one or more of the sites.
We tell you about these types of information, means of collecting information, and
uses of information anyway because we want to maintain flexibility in offering additional
time we revise a site or offer new functions. No description of any type of information,
means of collecting information, or use of information will require us to collect
any particular information, make any particular use of any information, or offer
any particular functionality through any site.
Child Online Privacy Protection Act (COPPA) Compliance and Related Information
The Child Online Privacy and Protection Act (COPPA) regulates
online collection of information from persons under the age of 13. It is our policy
to refrain from knowingly collecting or maintaining personally identifiable information
relating to any person under the age of 18. If you are under the age of 18, please
do not supply any personally identifiable information through the site. If you are
under the age of 18 and have already provided personally identifiable information
through the site, please contact (or have your parent or guardian contact) us immediately
using the information below so that we can remove such information from our files.
When and if you order products or services using a site or register
for an event, we request information from you using an order form. When we already
have information about you (such as through a previous order or registration, whether
received through a site or otherwise), we may use such information to facilitate
the order or registration process. When using an order form, you must provide contact
information (such as name and shipping address) and financial information (such
as credit card number and expiration date). This information is used for billing
purposes and to fill your order. If we have trouble processing an order, we use
this contact information to contact you.
Ordering, Event Registration and Related Processes
A cookie is a piece of data stored on the computer that runs an
Internet browser. It can contain information about you, your computer, your browser,
your session, the websites you visit, and other information about you or others
who use, or have used, the computer or browser you use to access the Internet. The
cookies we use, if any, are not linked to any personally identifiable information
while using a site unless you have given us permission to link personally identifiable
information to one or more cookies. You give us that permission any time you register
on a site, place an order through a site, or identify yourself or the computer you
are using through a site.
Most or all browsers permit you to disable or reject cookies. You can do this by
setting the preferences in the browser. Use the "help" feature of your
browser to obtain more information about refusing cookies. As of the time we wrote
websites. We do not operate either of these websites and we make no representation
or warranty about the information contained in the websites to which these links
will take you.
If you set the browser you use to reject cookies, you can use the sites, but you
may not be able to use the full functionality of one or more of the sites or it
may take additional time to utilize such functionality.
One or more of the organizations with which we do business, or to which we provide
uses of cookies and users should review the privacy policies of such organizations
to determine the uses such organizations make of cookies.
We or our hosting provider may collect traffic information from
visitors for statistical analysis and site improvement. When you accesses a site,
we or our hosting provider may collect information about your visit in a log file
on a server. Log file information may include, but is not limited to, internet protocol
(IP) addresses, browser type, internet service provider (ISP), referring/exit pages,
platform type, date/time stamp, and number of clicks. We or our hosting provider
use this information to analyze trends, administer the site, track users' movements
in the aggregate, and gather demographic information for aggregate use. IP addresses
and other log file information are not linked to personally identifiable information.
We do not try to track users or to identify users individually, but we or our hosting
provider do review this information to understand overall trends and to determine
what kinds of content are popular and useful to users.
(a) Aggregated information.
We or our hosting provider may share aggregated demographic information
with our users, our affiliated organizations, and other organizations with which
we do, or contemplate doing, business. Such information is aggregated and is not
linked to any information that can identify individual users.
We may use outside shipping or other outsourcing providers to
process and ship orders or perform other functions. We require that these outsourcing
providers not retain, share, store, or use personally identifiable information for
any secondary purposes, except for backup and recovery operations. Although we use
good faith efforts to ensure compliance by its outsourcing providers, we cannot,
and will not, be responsible to users for misuse of personally identifiable information
by such outsourcing providers.
(b) Outsourcing providers.
We may have agreements with other parties to provide specific
services. When you use such services, we may share personally identifiable information
with such parties. In such cases, we will use its good faith efforts to restrict
the information provided to the information necessary for the provision of such
(c) Specific services.
We share personally identifiable information (whether in return
for compensation or otherwise) with various vendors, suppliers, and advertisers.
While we use good faith efforts to verify that such vendors, suppliers, and advertisers
promote products and services of interest to site users, we cannot, and do not,
endorse such vendors, suppliers, advertisers, products or services unless we expressly
state otherwise. We share only such information as you yourself provide to us or
someone else provides about you (such as through a registration process) and do
not share personally identifiable information derived indirectly through IP address
tracing or similar means. If you wish us to refrain from providing your personally
identifiable information in this manner, please see the opt-out information and
contact information provided below.
(d) General use.
One or more sites may contain links to other websites. We do not
operate those websites, we cannot control the information that the operators of
such websites gather or what the operators of such websites do with the information,
and we are therefore not responsible for the activities of the operators of such
Links and Information Gathered by Others
If you wish to subscribe to a newsletter we offer or to a mailing
list that we maintain, we will collect from you contact information necessary to
send the newsletter or other information to you. This is usually limited to your
e-mail address, but may include other information.
From time to time, we may request information from you using surveys
or contests. Participation in these surveys or contests is completely voluntary
and you therefore have a choice as to whether to disclose this information. Information
requested may include contact information (such as name and address) and demographic
information (such as zip code and type of user). We will use such contact information
to notify winners and award prizes, and to monitor or improve the use of one or
more sites and provide aggregated information for our own uses or to our customers
or other organizations, and we may also use it to notify you of news about us or
our affiliates or promotions of our products or services or the products or services
of people with whom we do business.
Surveys and Contests
We may offer a referral service that allows you to inform your
friends and other acquaintances about content on the site. If you elect to use
such a referral service, we will collect the friend or acquaintance's e-mail address
and use it to send the friend or acquaintance a one-time e-mail inviting the friend
or acquaintance to visit one or more sites or providing the information you requested.
We store this contact information for the sole purpose of sending the one-time e-mail.
Where we collect nonpublic personal information from you, we or
one or more of our services providers use industry standard encryption and security
standards to protect such information. You can tell whether encryption is being
used by noting the "locked" or other status indicator on the browser you are using.
If the browser you are using does not indicate that the session is secure (e.g.
by displaying a key or other icon), you should assume that the connection is not
secure and that third parties will receive the information shared by you and us
during that part of the session.
We do not, and cannot, take responsibility for the security of any information that
you pass directly to a third party or receive directly from a third party, even
if we referred you to that third party or recommended the goods or services of any
such third party. We do not have control over the way in which third parties set
up or maintain their security measures. You interact with, pass information to,
and receive information from, any third party at your own risk and you release us
from any and all losses, damages, or other liability in connection with your dealings
with any such third party.
We also use commercially reasonable efforts to protect user information offline.
All sensitive user information is maintained in our offices or at the facilities
of our information technology provider(s). We cause access to servers and connections
to be limited by key or other access. Only employees or agents who need the information
to perform specific functions are granted access to personally identifiable information.
We use reasonable efforts to assure that its employees and agents are informed of
our security and privacy practices. When we add new policies or change existing
policies, we take reasonable steps to notifies affected employees and agents.
Supplementation of Information
We sometimes supplement the information we receives from you with
other information we receive from third party sources, such as credit card issuers
We may send to you a welcoming e-mail that may also verify password
and user name information. We occasionally send newsletters or information about
products, services, and special deals to users like you. You may opt to not receive
such informational communications by using the contact information below.
We may also send to you updates and service announcements about
one or more of the sites. You may not un-subscribe or opt not to receive such announcements
because such announcements contain important information about the services offered
through the relevant site(s).
Site and Service Updates
If your personal information changes, or if you no longer desire
service, you may contact us using the contact information below and we will accommodate
all reasonable requests for such changes.
Correcting or Updating Personal Information
Users who no longer wish to receive newsletters or promotional
materials or have their information provided to third parties may opt to not receive
such communications or have information shared by contacting us using the information
below. We will comply with such requests as soon as is commercially practicable.
Such compliance may involve batch processing and other processes that take 30 days
or longer. If you opt not to receive such communications or allow us to share your
information and then give your personal information to us again using one of the
sites under circumstances that permit us to use your information, we will regard
your opt-out as rescinded.
In most cases, it is impractical for use to stop any other party to whom we have
supplied your information from continuing to use the information and opting out
will usually not stop other to whom we have provided your information from continuing
to use it.
To change the your preference with regard to the way your information is treated,
send an email to the following address and include the word CHOICE or OPT-OUT in
the subject line of your email.
We will use commercially reasonable efforts to timely make any
changes you request. Many such changes are accomplished using batch processing (i.e.
collecting a number of similar change requests and making all such changes at once),
so the changes may not be immediately effective. If you require an immediate change
to your personally identifiable information and are unable to make such a change
using the available site resources, please contact us using the information below.
on one or more sites and/or other places we deem appropriate.
under which the information was collected.
If we decide to use information about you in a manner different from that stated
e-mail if, and to the extent that, you have provided your e-mail address. If you
reply to such an e-mail within a reasonable time and request that we not use your
personally identifiable information in the proposed new manner, we will honor your
request, but we reserve the right to suspend your access to all or part of the services
offered through one or more sites if you do so. If you do not reply to such an e-mail,
or we receive a reply of "undeliverable" or similar message from your
last known e-mail address, in either case after a reasonable time, we will use the
information in the proposed new manner.
BY USING THIS WEBSITE, YOU AGREE TO THIS CHANGE PROCEDURE.
we may collect personally identifiable information and use such information in ways
other than those described above if we are required to do so by law or if we deem
it advisable in the course of assisting law enforcement activities or protecting
our site(s) or other property.
if you have questions regarding the policy, you may contact our privacy liaison
using the following information.
P.O. Box 80440
Lansing, MI 48908-0440
(517) 886-3900, extension 897
If you (a) wish to begin or end receipt of newsletters or promotional information
(b) wish to update your user information, or (c) wish to opt in or out of any other
service offered through the site, please contact our technical personnel using the
following information. Please be sure to include your name and your user name (if
applicable), but do not include any information regarding your password(s), if any.
Website Technical Support
P.O. Box 80440
Lansing, MI 48908-0440
(517) 886-3900, extension 936
All images Copyright © 2004 Michigan Commercial Insurance Mutual and its licensors.
All rights reserved.