Terms of Use

These terms govern your use of the website at the domain [caom.com] (this “website”).

When we use terms like “MWCPF,” “CAOM,” “we,” “us,” or similar terms, we mean the Michigan Worker's Compensation Placement Facility, a facility authorized and organized by Chapter 23 of the Michigan Insurance Code of 1953 (MCL §§ 500.2301 to 500.2352) and the Compensation Advisory Organization of Michigan, a Michigan nonprofit corporation.

CAOM / MWCPF is a licensed data service organization operating under the laws and regulations of the State of Michigan. Nothing herein is intended conflict with any applicable laws or regulations governing CAOM / MWCPF. BY ACCESSING, VISITING, BROWSING, USING, OR ATTEMPTING TO INTERACT WITH ANY PART OF THIS WEBSITE, INCLUDING WITHOUT LIMITATION THE WEBSITE’S FORMS OR LOGGING IN, YOU AGREE, ON YOUR OWN BEHALF PERSONALLY, AND ON BEHALF OF ANY ENTITY FOR WHICH YOU ARE AN AGENT OR YOU APPEAR TO REPRESENT, THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, DO NOT ACCESS OR USE ANY PART OF THIS WEBSITE. CAOM / MWCPF RESERVES THE RIGHT, FROM TIME TO TIME, WITH OR WITHOUT NOTICE TO YOU, TO MAKE CHANGES TO THESE TERMS IN CAOM / MWCPF’S SOLE DISCRETION. CONTINUED ACCESSING, VISITING, BROWSING, USING, OR ATTEMPTING TO INTERACT WITH ANY PART OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.

1. ACCESS TO THIS SITE

To access this website or some of the resources it offers, including, without limitation, contacting CAOM / MWCPF, or to receive information or to be connected to one of our products or services, you may be asked to provide certain registration details or other information about yourself including your contact information, what further information you would like to receive, and the products you are interested in. The type of information requested through the various website forms varies and is not meant to be limited in any way by the foregoing. It is a condition of your use of this website that all the information you provide on this website will be correct, current, and complete. If CAOM / MWCPF believes the information you provide is not correct, current, or complete, CAOM / MWCPF has the right to refuse you access to this website or any of its resources, and to block, terminate, or suspend your access at any time. The information we collect about you, how we use it, and who we share it with are described in CAOM / MWCPF’s Privacy Statement.

2. RESTRICTIONS ON USE

You may use this website only for purposes expressly permitted by this website. As a condition of your access and use of the website, you represent and warrant to CAOM / MWCPF that you will not use the website for any purpose that is unlawful or prohibited by any part of these terms. For example, you may not (and may not authorize any party to) (i) co-brand this website, or (ii) frame this website, without the express prior written permission of an authorized representative of CAOM / MWCPF. For purposes of these terms, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this website or content accessible within this website. You agree to cooperate with CAOM / MWCPF in causing any unauthorized co-branding or framing to immediately cease. In addition, you may not use the website in any manner that could disable, overburden, damage, or impair the website or interfere with any other party’s use and enjoyment of the website. You may not obtain or attempt to obtain any materials, content, or information through any means not intentionally made available or provided for through the website. You may not use scrapers, bots, spiders, or other automated tools to collect or index the content of the website without CAOM / MWCPF’s express prior written permission. You may not attempt to probe, scan or test the vulnerability of the website or any system to which it is connected or attempt to breach any security measures.

3. CONTENT

The material and content accessible from this website, including without limitation any text, photos, videos, audio, scripts, software, markup language, downloads, or other content, whether perceptible or not to a human, (the “Content”) is the proprietary information of CAOM / MWCPF or the party that provided or licensed the Content to CAOM / MWCPF and CAOM / MWCPF’s assigns, whereby such providing party retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, displayed, performed, licensed, modified, or transmitted in any way without the prior written consent of CAOM / MWCPF or its assigns, including without limitation pursuant to the membership rights specifically granted to you by CAOM / MWCPF. Modification or use of the Content except as expressly provided in these terms or your other written agreements with CAOM / MWCPF violates CAOM / MWCPF’s or its assigns’ intellectual property rights. Neither title nor intellectual property rights are transferred to you by your access to or use of this website.

4. ADDITIONAL USE LIMITATION

You may not modify, translate, decompile, disassemble, reverse engineer, alter, copy, distribute, display, send, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, Content, software, or services obtained from or otherwise connected to the website, except as expressly stated on the website or on the documents provided for download, or according to written agreements with CAOM / MWCPF.

5. HYPERLINKS

This website may be hyperlinked to other websites that are not maintained by, or related to, CAOM / MWCPF and may contain information about products or services that are not related to or endorsed by CAOM / MWCPF. Hyper-links to such websites and information are provided as a service to you and are not necessarily sponsored by or affiliated with this website or CAOM / MWCPF. CAOM / MWCPF may not have reviewed any or all of such websites and information and is not responsible for the content of those websites or the descriptions of their products and services. CAOM / MWCPF is not responsible for webcasting or any other form of transmission received from any hyper-linked website. Hyper-links are to be accessed at your own risk and information contained therein is relied upon at your own risk, and CAOM / MWCPF makes no representations or warranties about the content, completeness, or accuracy of these hyper-links or the websites hyper-linked to this website or the information regarding or relating to their fundraisers, philanthropic services, products, and services.

6. DISCLAIMERS

You understand that CAOM / MWCPF does not guarantee or warrant that the website or the Content, or any other files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this website for any reconstruction of any lost data. CAOM / MWCPF does not assume any responsibility or risk for your use of the website, its Content, or the Internet. The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by CAOM / MWCPF. Except as set forth in these terms itself, nothing on this website constitutes a guarantee, warranty, or promise of any type. The Content should not be relied upon by you or any other party for personal, medical, financial, or legal decisions and you should consult an appropriate professional for specific advice tailored to your situation. YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. THE WEBSITE AND THE CONTENT ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. CAOM / MWCPF DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT RELATED TO THIS WEBSITE AND THE CONTENT. CAOM / MWCPF DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CAOM / MWCPF DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CAOM / MWCPF MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT CAOM / MWCPF, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR ITS CONTENT. CAOM / MWCPF MAKES NO WARRANTIES THAT YOUR USE OF THE WEBSITE OR ITS CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT. DISCLAIMERS AND LIMITATIONS ASSOCIATED WITH CONTENT DOWNLOADED FROM THE WEBSITE MAY BE SUBJECT TO ADDITIONAL TERMS AND POLICIES. All of the information in this website, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this website, and CAOM / MWCPF does not undertake any obligation to update such information after it is posted or to remove such information from this website if it is not, or is no longer accurate or complete. Like most websites, this website is accessible worldwide. CAOM / MWCPF reserves the right to limit the provision of its website or other information or services on the website to any person, geographic area, or jurisdiction. You agree to comply with all applicable laws and local rules regarding the transmission of technical data, acceptable content, and online conduct.

7. LIMITATION ON LIABILITY

CAOM / MWCPF AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, VENDORS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF DATA, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF CAOM / MWCPF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN RELATION TO OR REGARDING THIS WEBSITE OR ITS CONTENT. IF NO LIABILITY IS NOT ALLOWED UNDER THE APPLICABLE LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF CAOM / MWCPF, CAOM / MWCPF ASSIGNEES, LICENSORS, SERVICE PROVIDERS, VENDORS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE MINIMUM AMOUNT ALLOWED BY LAW. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR LIABILITY FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, SO THE FULL SCOPE OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU. Any cause of action against CAOM / MWCPF, CAOM / MWCPF’s Assigns, licensors, service providers, vendors, content providers, employees, agents, officers, and directors with respect to the website or its Content must be instituted within one (1) year from the date on which the claim arose.

8. ADDITIONAL GOVERNING TERMS AND CONDITIONS.

The website may contain additional disclosures, terms, and conditions. Wherever the website or other forums present additional terms and conditions (including without limitation terms related to use of CAOM / MWCPF portal), disclosures, or other agreements, you are also bound by those additional terms and, where in specific conflict with the terms and conditions of these terms, those additional terms shall control over the terms in these terms.

CAOM / MWCPF Privacy Statement also governs with respect to personal information collected, stored, processed, and shared by CAOM / MWCPF.

9. TERMINATION OR RESTRICTION OF ACCESS

CAOM / MWCPF reserves the right, in their sole discretion, to terminate your access to any or all of CAOM / MWCPF’ websites or any portion thereof at any time, without notice.

10. INDEMNITY

You will indemnify and hold CAOM / MWCPF, its Affiliates, licensors, content providers, service providers, vendors, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any use of the website or its Content by you or your breach of these terms, including without limitation any use of Content other than as expressly authorized in these terms. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, settlements, expenses, and attorney’s fees of the Indemnified Parties in relation to your breach or your use of the website or its Content.

11. TRADEMARKS AND COPYRIGHTS

Trademarks, service marks, logos, and copyrighted works appearing in this website are the property of CAOM / MWCPF or the party that provided the trademarks, services marks, logos, and copyrighted works to CAOM / MWCPF. CAOM / MWCPF and any party that provided trademarks, service marks, logos, and copyrighted works to CAOM / MWCPF retain all rights with respect to any of their respective trademarks, service marks, logos, and copyrighted works appearing in this website.

12. SECURITY

Any passwords or other login credentials used for this website including, without limitation, any login portals are for individual use only. You will be responsible for the security of your password or other login credentials (if any) and any actions taken by you or anyone using your password or other login credentials. CAOM / MWCPF will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that CAOM / MWCPF considers insecure, CAOM / MWCPF will be entitled to require the password to be changed and/or terminate your account. You are prohibited from using any services or facilities provided in connection with this website to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, CAOM / MWCPF reserves the right to release your details to system administrators at other websites and law enforcement authorities in order to assist them in investigating, resolving, and prosecuting laws relating to security incidents. CAOM / MWCPF reserves the right to investigate suspected violations of these terms. CAOM / MWCPF reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing CAOM / MWCPF to disclose the identity of anyone using the website, or publishing or otherwise making available of using any materials that are believed to violate these terms. BY ACCEPTING THESE TERMS, YOU WAIVE AND HOLD HARMLESS CAOM / MWCPF FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CAOM / MWCPF DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CAOM / MWCPF OR LAW ENFORCEMENT AUTHORITIES.

13. MISCELLANEOUS

The laws of the State of Michigan shall apply to these terms, without regard to any conflict of laws provisions. The Uniform Computer Information Transactions Act, and any implementations thereof in various jurisdictions and any subsequent revisions thereto, shall not apply to these terms. Any controversy or claim arising out of or relating to these terms or your use of the website or the Content (a “Dispute”) shall be brought solely in the state or federal courts located in Michigan and you hereby irrevocably consent to exclusive jurisdiction of, and venue in, those courts. You further acknowledge that CAOM / MWCPF may seek equitable remedies against you such as a preliminary or permanent injunction without the need to post any bond or hold any funds in escrow, and CAOM / MWCPF’ rights in its reputation and intellectual property are of a special, unique, extraordinary character, giving those rights peculiar value, the unauthorized use, damage, disclosure, or loss of which cannot be readily estimated and may not be adequately compensated for in monetary damages. If any part of these terms is unlawful, void, or unenforceable, that part will be deemed severable, shall be modified by the court of competent jurisdiction to reflect to the maximum extent possible the original intention of the parties as reflected by the original wording and if not possible shall be severed from these terms, and will not affect the validity and enforceability of any remaining provisions. No waiver by CAOM / MWCPF of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. No rights, duties, agreements or obligations hereunder, may be assigned or transferred by operation of law, merger or otherwise, without the prior written consent of CAOM / MWCPF. You agree that no joint venture, partnership, employment, or agency relationship exists between you and CAOM / MWCPF as a result of this agreement or use of the website. Except as set forth in these terms, these terms constitute the entire agreement among the parties relating to this subject matter and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written between the user and CAOM / MWCPF with respect to the website or the Content. CAOM / MWCPF may revise these terms at any time by updating this posting.

Last Modified: 10/10/2016