This document outlines the Terms and Conditions relating to your use of www.ismie.com and provides additional information about ISMIE Mutual Insurance Company. These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, please discontinue using this site immediately.

Your use of this site

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.

E-mails to ISMIE Mutual addresses

The ISMIE Mutual e-mail system is a private e-mail system intended only for purposes authorized by ISMIE Mutual. You are not authorized to send numerous unsolicited commercial e-mail messages to any ISMIE Mutual e-mail address. ISMIE Mutual reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.

Secured areas/passwords

Some portions of this site are password protected and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.

If you are an authorized user of any password-protected area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. ISMIE Mutual will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, contact ISMIE Mutual.

ISMIE Mutual intellectual property rights

ISMIE Mutual reserves all rights to its intellectual property. The ISMIE Mutual logo, the phrase "The Physician-First Service Insurer", as well as all logos and graphics using the ISMIE Mutual name are the intellectual property of and/or federally registered trademarks/servicemarks owned by ISMIE Mutual Insurance Company. ISMIE Mutual may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of ISMIE Mutual and are protected by copyright or other intellectual property laws.

You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via e-mail to: info@ismie.com. Please include your name, address, telephone number and the purpose of the requested distribution.

Last updated: November 17, 2004