TERMS AND CONDITIONS

INTRODUCTION

This website (www.camico.com) is proprietary to CAMICO Mutual Insurance Company and its wholly-owned subsidiary, CAMICO Services, Inc., dba CAMICO Insurance Services (together, “CAMICO, “we” “our” or “us”). By accessing and using this website, you acknowledge and agree to be bound by these Terms and Conditions. Please read these Terms and Conditions carefully.

DISCLAIMERS

The materials contained on this website are provided for general informational purposes and learning more about products and/or services regarding the accounting profession, professional liability insurance, and engagement letters. The materials are not a complete description of all terms, conditions and exclusions applicable to the products and services described.

We are not rendering legal or any other advice through this website, and you do not become a client of ours merely by visiting this website or using our materials. Your insurance needs are no doubt particular to your individual circumstances, and we do not purport, by means of this website, to offer information appropriate or suitable to your individual circumstances.

All information on this website is provided on an "as is" basis. The information contained on this website was believed to be up to date at the time it was posted, but we make no representation or warranty, either express or implied, that the materials on this site are accurate or complete. This website periodically is updated with new information, although we disclaim any responsibility to do so to reflect events or circumstances occurring after the date of the original posting.

This website may contain links to or materials from other Internet sites that are not created, published, maintained or otherwise controlled by us. These links and materials are provided solely for the convenience of the users of this site and do not constitute an endorsement of any products, services or information available on, from or through other Internet sites.

These Terms and Conditions apply only to the use of this website, and your use of any third party website will be subject to the terms and conditions posted on that particular website. We do not take responsibility and assume no liability or obligation for any content posted by any third party or on any third party website, nor do we approve, endorse or certify information available at any external site or linked addresses.

We do not warrant or guarantee that this website will be accessible at all times or that all functionality on this website will be available. We reserve the right to deny access to this website for purposes of maintenance, security and as otherwise required by us in our sole discretion without prior notice.

COPYRIGHT, TRADEMARKS AND INTELLECTUAL PROPERTY RIGHTS

This website and the materials on this website are the exclusive property of CAMICO or of third parties that have licensed their materials to us. We expressly reserve all copyrights, trademarks and intellectual property rights in this website and our materials.

RESTRICTIONS ON USE OF MATERIALS

Except as otherwise specified on this website, you may download materials displayed on this website for your personal use only (or for the internal use of a CPA practice to which you are affiliated), provided that you retain all copyright and other proprietary notices contained on the materials. The materials available from this website, including text, images, audio and video, may not be used, copied, reproduced, republished, downloaded, uploaded, posted, transmitted, or distributed for any other purpose without our express written permission. You may not display, modify, create derivative works from, sell or commercially exploit in any way any of the materials on this website.

JURSIDICTIONAL LIMITATIONS

The information and materials available on this website are not an offer to sell or solicitation to buy an insurance product in any jurisdiction in which we are not licensed to transact insurance or where such an offer, solicitation, purchase or sale would be unlawful under the laws of that jurisdiction. Some products and services may not be available in all jurisdictions.

INFORMATION YOU SUBMIT TO US

Our collection and use of any information that you submit to us on this website is subject to the terms of our Privacy Policy and, if you are a California resident, by our California Privacy Notice, both of which are part of these Terms and Conditions and apply to your use of this website.

Notwithstanding the foregoing, we reserve the right at all times to disclose any information that we determine, in our sole discretion, to be necessary to satisfy or comply with any law, regulation or governmental request or to avoid liability for us or any third party.

When you complete forms online or otherwise provide us with information by using this website, you agree to provide current, complete, true and accurate information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate, not current or incomplete, we may refuse your access to our materials and services and pursue any and all appropriate legal and equitable remedies.

If you create a user account to process your transactions with us, you agree to keep your user ID and password confidential and to notify us immediately if you suspect any unauthorized access to your account. We reserve the right to block access to your account if we suspect that your credentials are being used by someone else.

LIMITATION OF LIABILITY

BY USING THIS WEBSITE, YOU AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAMICO MUTUAL INSURANCE COMPANY, CAMICO SERVICES, INC. DBA CAMICO INSURANCE SERVICES (“TOGETHER “CAMICO”) AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS AND AFFILIATES SHALL NOT BE LIABLE UNDER ANY LEGAL OR EQUITABLE THEORY, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSSES OR DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS WEBSITE AND ITS CONTENTS, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, AND DAMAGE TO COMPUTER NETWORKS, EVEN IF CAMICO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CHANGES TO TERMS AND CONDITIONS

We reserve the right to change these Terms and Conditions at any time by updating this posting. You are bound by any such revisions and should periodically visit this page to review the current Terms and Conditions.

© 2020 CAMICO. All rights reserved.