Terms and Conditions

TERMS AND CONDITIONS OF USE
This page sets forth the terms and conditions under which Missouri Employers Mutual Insurance Company and its subsidiaries and affiliates (collectively, “MEM”) provide the information on this Web site, as well as the terms and conditions governing your use of this site. By making use of this Web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice and are effective upon posting. If at any time you do not accept the terms and conditions, do not access the Web site or any of its pages.

DISCLAIMER
The applicability of the information on this Web site to your specific workplace can be determined only in consultation with your own legal counsel and/or safety professional. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEB SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED, AND MEM DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MEM does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. MEM does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability or otherwise.

As a service to you, MEM may provide links to third party Web sites, or permit third parties to link to this Web site. Because these other Web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those Web sites. Your access to and use of any other sites linked to or from this Web site is at your own risk and we assume no obligation or liability.

LIMITATION OF LIABILITY
While MEM uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, MEM makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall MEM or any party involved in creating, producing, or delivering the Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if MEM or an MEM authorized representative has been advised of the possibility of such damages.

PROPRIETARY RIGHTS
You acknowledge and agree that the materials contained in this site are protected by copyright, trademark and other proprietary rights and laws. As a public service, MEM does allow you to save, copy, print and/or distribute materials found on this Web site, provided that all copies you make of this material include any copyright, trademark or other proprietary notice located on this site which pertains to the copied material. Except for such use expressly authorized, you agree not to sell, license, modify, or create derivate works from such materials.

All trademarks, services marks, trade names, logos and icons are proprietary to MEM. Nothing contained on the Web site should be construed as granting any license or right to use any trademark displayed on this Web site without the written permission of MEM.

Images displayed on this Web site are either the property of, or used with permission by, MEM. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by MEM. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

INDEMNITY
You agree to defend, indemnify, and hold harmless MEM and its employees, agents, directors, officers and shareholders, from and against all liabilities, claims, damages and expenses (including without limitation reasonable attorneys’ fees and costs) arising out of your use of this site, your breach of this agreement or your infringement of the intellectual property rights of third parties.

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