This website is owned and operated by CompSource Mutual. By using this website and all others owned or maintained by CompSource Mutual you agree to the following terms and conditions contained herein and in our Privacy Policy, so please read them carefully. If you do not agree to these terms, your sole and exclusive remedy is not to use the site.

These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes; and we suggest that you periodically visit this page to review the most recent Terms & Conditions and Privacy Policy.

Information and materials
This website is owned and operated by CompSource Mutual and all rights not expressly granted herein are reserved exclusively and entirely to CompSource Mutual. You acknowledge and agree that the materials and products contained in this site are the property of CompSource Mutual, and are protected by copyright, trademark and other proprietary rights and laws. You may download material displayed on this website for your personal use only provided you do not remove any copyright and other proprietary notices contained on the materials.

You may not sell, transfer, license, modify, copy, reproduce, distribute, transmit, display, perform, publish, or create derivative works from such materials unless expressly authorized by CompSource Mutual in writing. No materials from this website or any website owned, operated, licensed or controlled by CompSource Mutual may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, framed, used in meta tags or distributed in any way without CompSource Mutual's written permission. You may not systematically retrieve data or other content from this site for the purpose of creating a collection, compilation, database, or directory without CompSource Mutual's express written permission.

Software licenses
You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. CompSource Mutual does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States export controls laws and regulations.

Insurance products
The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by CompSource Mutual, but are provided 'as is' and for general informational purposes. CompSource Mutual makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. If you decide to purchase insurance products or services from CompSource Mutual, the terms and conditions specified in your policy or agreement with CompSource Mutual will apply.

Links to other websites
CompSource Mutual may provide links to other websites. These links do not constitute an endorsement of their products or policies and CompSource Mutual shall not be liable for losses caused by reliance on the accuracy, reliability, or timeliness of such information. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an email at feedback(at)compsourcemutual.com

Filing legal documents
Except for specific documents expressly authorized for filing on the website, this website is not designed for receiving electronically filed documents. For your own protection you must file documents by personal service or by mail only, unless expressly authorized by CompSource Mutual.

Jurisdiction and venue
The laws of the State of Oklahoma will apply to all matters relating to the use of this website, without giving effect to principles of conflicts of laws. Use of this website submits the user to the exclusive personal jurisdiction and venue of the District Court of Oklahoma County, State of Oklahoma, and if applicable, the United States District Court for the Western District of Oklahoma, with respect to all matters relating to the use of this website.

Disclaimer and limitation of liability
CompSource Mutual disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement. CompSource Mutual does not warrant that the website will operate error free or is free from viruses, worms, trojan horses or other destructive or harmful code. CompSource Mutual also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure. If you are dissatisfied with any portion of the site or the associated services, your sole remedy is to cease using them.

To the maximum extent provided by law CompSource Mutual shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. CompSource Mutual expressly reserves the right to assert any defense that would limit or preclude liability, in addition to this disclaimer and limitation of liability.

Use of this site will be governed and construed in accordance with jurisdiction and venue provisions herein. Any action brought by you under this agreement must be brought within six months from the first date the potential claim arose. In no event will CompSource Mutual be liable for any damages in excess of the fees paid by you in connection with your use of the site.

Indemnity
You agree to defend, indemnify, and hold harmless CompSource Mutual 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.

Conduct
Access to this site is provided free of charge as a courtesy. CompSource Mutual expects each user to respect the rights of other users and of CompSource Mutual to act in a responsible manner on the site. In this context, at a minimum, the user agrees to the following:

You may not use the website for any purpose that is unlawful or prohibited by the Terms and Conditions, the Privacy Policy, or applicable law.

You may not use the website in any manner that could damage, disable, overburden, or impair this site or interfere with any other party's use of this site or services. You may not seek by any means to obtain any materials or information through the site not intentionally made available to you through the site.

You may not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national, or international law.

You may not post or transmit any information, software, or other material which violates or infringes on the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.

You may not post or transmit any information, software or other material that contains a virus or other harmful component.

You may not post or transmit or in any way exploit any information, software or other material for commercial purposes or which contains advertising unless expressly authorized by CompSource Mutual in writing.

You may not alter, damage or delete any content or other communications that are not your own content, or otherwise interfere with the ability of others to access the site.

You may not disrupt the normal flow of communication.

You may not claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship.

You may not violate any operating rule, policy or guideline of your internet access provider or on-line service.

You may not participate in the unauthorized use or disclosure by any party of any information accessed for any purpose.

You may not claim illicit ownership rights to CompSource Mutual applications, code, or the structural framework of any CompSource Mutual database accessed from the site.

This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. Violations of any term by you may result in monetary, civil and/or criminal penalties. CompSource Mutual reserves the right to terminate your access to the site or to any or all of its services at any time without notice for any reason whatsoever. CompSource Mutual may block access to your information if we have reason to believe that access is occurring by someone other than you, or if any unauthorized access occurs.

Unauthorized attempts to upload or change information, or otherwise modify or cause damage to this site, are strictly prohibited and may be punishable under both state and federal laws, including the federal Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act. Intrusion detection and other software security tools may collect data regarding unauthorized activity, and that data may be used or made available in order to conduct investigations.

Surviving terms
This Agreement shall be given effect to the fullest extent permissible by law. In case any one or more of the provisions contained in this agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality, or unenforceability shall not affect any other provisions, and this agreement shall be construed to give maximum legal effect to the intent expressed herein. If a term that is otherwise unenforceable may be limited or altered to allow enforcement, the user agrees to such limitation or alteration.

If you have any questions regarding this policy, please e-mail us at feedback(at)compsourcemutual.com

(Last Updated 1/01/15)