IMPORTANT INFORMATION

About the Minnesota Workers’ Compensation Insurers Association, Inc. Minnesota Workers’ Compensation Insurers Association, Inc. (MWCIA) is a licensed data service organization operating under the laws and regulations of the State of Minnesota. Nothing on this Web site is intended to describe services or available information, which are inconsistent with applicable law and regulations governing the operations of a data service organization. The services and information available from MWCIA may be modified at any time and without prior notice to reflect changes in applicable law.

AGREEMENT BETWEEN USER AND MWCIA:

This Web site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices. You agree to click on the Terms of Use and other terms and guidelines found throughout this Web site and abide by them if you choose to use the sites, pages or services to which they apply.

LIMITATIONS ON USE:

This Web site is for the use of MWCIA members, subscribers and guests. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained or derived from this Web site, except as specifically allowed by the membership, subscriber or guest rights specifically granted to you by the MWCIA.

LINKS TO THIRD PARTY SITES:

This Web site contains links to Web sites operated by parties other than MWCIA. Such links are provided for your convenience only. MWCIA does not control such Web sites, and is not responsible for their contents. MWCIA’S inclusion of links to such Web sites does not imply any endorsement of the material on such Web sites or any association with their operators.

NO UNLAWFUL OR PROHIBITED USE:

As a condition of your use of this Web site, you warrant to MWCIA that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

OWNERSHIP OF INFORMATION:

All services and information described on this site are proprietary in nature, belong exclusively to MWCIA, and are intended for the exclusive use of MWCIA members and subscribers to MWCIA’s services and products. No person may copy or otherwise reproduce all or any portion of the information provided for any purposes.

COPYRIGHT NOTICE:

LIABILITY DISCLAIMER:

The information, products, and services included on this Web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. MWCIA and/or its sources of data or suppliers may make improvements and/or changes in this Web site at any time. Information received via this Web site should not be relied upon for financial or insurance product decisions and you should consult an appropriate professional for specific advice tailored to your needs.

NO WARRANTY AND LIMITATION OF LIABILITY:

MWCIA MAKES NO WARRANTY OR REPRESENTATION CONCERNING THE TIMELINESS, SUITABILITY, COMPLETENESS OR ACCURACY OF ANY OF THE SERVICES AND INFORMATION PROVIDED ON THIS SITE. PROPER USE OF THE SERVICES AND INFORMATION REQUIRES A THOROUGH UNDERSTANDING OF THE WORKERS’ COMPENSATION SYSTEM AND ALL LIMITATIONS INHERENT IN THE COMPILATION OF DATA AND SERVICES RELATED TO POLICIES, CLAIMS AND FINANCIAL DATA GENERATED BY THAT SYSTEM. ALL SERVICES AND INFORMATION DESCRIBED ON THIS WEB SITE ARE PROVIDED BY MWCIA UTILIZING RESOURCES, WHICH MWCIA BELIEVES TO BE RELIABLE AND ACCURATE; HOWEVER, MWCIA DOES NOT WARRANT, REPRESENT OR GUARANTEE THAT ALL OF THE INFORMATION CONTAINED ON THIS WEB SITE HAS BEEN PROPERLY REPORTED, DOCUMENTED OR UPDATED NOR IS THERE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE INFORMATION REFLECTS CHANGES IN APPLICABLE LAW. ALL SERVICES AND INFORMATION ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY AS TO THEIR ACCURACY, VALIDITY, PERFORMANCE, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR USE AND NON-INFRINGEMENT.

MWCIA SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER IN ANY WAY CONNECTED TO THE USE OR PERFORMANCE OF THIS WEB SITE, WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SERVICES, AND PRODUCTS OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF MWCIA OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES RELATED TO THE USE OF THE SERVICES OR INFORMATION CONTAINED ON THIS SITE. THIS LIMITATION FROM LIABILITY INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOSS OF USE, DATA OR ACTUAL OR ANTICIPATED PROFITS OR BENEFITS RESULTING FROM THE USE OF THE WEB SITE, ITS SERVICES AND INFORMATION. MWCIA OFFERS NO WARRANTY IN REGARD TO THE ACTUAL COSTS CHARGED BY MWCIA FOR SUCH SERVICES AND INFORMATION. PURCHASE OF SUCH SERVICES AND INFORMATION CONSTITUTES AN AGREEMENT THAT ANY AND ALL CLAIMS BASED UPON THE PURCHASE OF SUCH SERVICES AND INFORMATION MUST BE BROUGHT WITHIN ONE (1) YEAR OF THE DATE OF PURCHASE. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SITE.

SERVICE CONTACT:

Contact Webmaster with questions or problems with this Web site.

ACCESS RESTRICTION:

MWCIA reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.

MODIFICATION OF THESE TERMS AND CONDITIONS:

MWCIA reserves the right to change the terms, conditions, and notices under which this Web site is offered.

GENERAL:

This agreement is governed by the laws of the State of Minnesota, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts in Hennepin County, Minnesota, U.S.A. in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and MWCIA as a result of this agreement or use of this Web site. MWCIA’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of MWCIA's right to comply with governmental, court and law enforcement requests or requirements relating to your use of this Web site or information provided to or gathered by MWCIA with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. This agreement constitutes the entire agreement between the user and MWCIA with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and MWCIA with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Fictitious names of companies, products, people, characters and/or data mentioned herein are not intended to represent any real individual, company, product or event. Any rights not expressly granted herein are reserved.