Updated June 10, 2015
The website EMIIA.org (the “Site”) is owned and operated by Massachusetts Interlocal Insurance Association, Inc. (the “MIIA,” “we”, “us,” or “our”).
Personal Information. On the Site we may ask you to provide us with your email address, your first and last name, telephone number, employer name and job title, and mailing address (collectively, “Personal Information”). We will also treat as Personal Information a record of your contact information and correspondence if you contact us using the site.
Aggregated and Non-Personal Information. When you visit the Site to register with us or simply to browse or read information, we and our third-party partners and service providers may automatically (or passively) track, collect, and aggregate non-personally identifiable information about your interaction with the Site by using cookies, web beacons and other tracking technologies and Site analytics tools (collectively, “Non-Personal Information”).
Claim Information. When submitting a claim through the website, we ask for the following “ Claim Information.” Unless otherwise indicated, all personal information you submit as part of a claim will be treated as personal information:
If you contact us using the Site, we may keep a record of your contact information and correspondence, and may use your email address, and any information that you provide to us in your message, to respond to you.
|Party||Service||For More Information|
|Analytics||Visit How Google uses data when you use our partners’ sites or apps: http://www.google.com/policies/privacy/partners/|
Claim Processing. MIIA shares your Claim Information, including associated Personal Information, with third party claims administrators for the purpose of processing your claim. We are not responsible for the privacy policies and practices of these third parties. If you have questions about the claims administrators and their privacy policies and practices in general or as they relate to your Claim Information, please send an inquiry to MIIA using the contact information provided in Section K below.
Other Websites. Please note that if you use the Site to register for an online seminar, the Site may direct you away from the Site and to a third party service provider we are using to facilitate that seminar. Information that you provide to register for that program is provided directly to and stored by that third party, but is shared with us so that we can keep records of attendees and contact you with additional information of interest. We are not responsible for the privacy policies and practices of these third parties and you should review these third-parties’ privacy policies and practices prior to providing them with personal information.
If you are a registered user, you can change or update your personal information at any time by logging in and clicking : “Update my profile” in the My MIIA section.
You can stop the delivery of future promotional e-mail from us by following the specific instructions in the e-mail you receive. If you are a registered user, you can also opt in or opt out from the delivery of promotional e-mail via your user account.
We are committed to protecting the security of the personal information you provide to us via the Site. We employ reasonable measures, including administrative, technical, and physical measures to protect your personal information from unauthorized access, loss, alteration, use, or disclosure. While we make commercially reasonable efforts to make sure your personal information is safe, please note that no data transmitted over the Internet or any other public network can be guaranteed to be 100% secure, and you provide all personal information via the Site at your own risk.
This Site is a general audience website that is not intended for, or designed to attract, children under the age of 13. As such, we do not knowingly gather personal information from individuals who are under the age of 13 that would require parental notice and consent under the Children’s Online Privacy Protection Act. If you are a child under the age of 13, you are not permitted to use the Site and should not provide us with any information about yourself or any other person. If we become aware that a child under 13 has provided us with personal information, we will delete such information in accordance with the Children’s Online Privacy Protection Act and other applicable laws and regulations.
By e-mail: MIIA.Webmaster@mma.org
By phone: 1-800-882-1498 x 244
By mail: MIIA, 1 Winthrop Square, Boston, MA 02110
Attn: Stanley Corcoran
© COPYRIGHT 2014 MIIA ALL RIGHTS RESERVED
Users of our website must be 18 or above. If you are under 18, please do not use our website.
Any use or reliance on any Content posted to the Site or obtained by you through the Site is at your own risk. We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Content posted via to the Site or endorse any opinions expressed on the Site.
The Site contains links to certain third-party web sites (in all cases “Linked Sites”). These Linked Sites are provided solely as a convenience to you and based on information our members our likely to find interesting or helpful. Linked Sites are not under our control, and we are not responsible for and do not endorse the content of such Linked Sites, including any products, information or materials contained on the Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites. You should review applicable terms and policies, including privacy policies, of third party web sites, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.
When using the Site,, you are solely responsible for your use of the site, and for any use of the Site made using your Account. The Content made available from, on or through the Site may not be copied, modified, republished, assigned, sold or distributed to you, nor may derivative works be prepared from it. You may use and access the Site solely for your personal use (but not for resale or redistribution) as a user of the Site and may not be used for any other purposes. You have no right or claim of right to the Content or any unique ideas found on the Site. No ownership rights are granted to you hereunder and no title is transferred hereby.
The design of the Site, along with the MIIA created text, templates, scripts, graphics, interactive features and the trademarks, service marks and logos contained therein (“Marks”), are owned by or licensed to MIIA, subject to copyright and other intellectual property rights under United States and foreign laws and international conventions. MIIA reserves all rights not expressly granted in and to the Site. You agree to not engage in the use, copying, or distribution anything contained within the Site unless we have given express written permission.
You may not use the Site for illegal or unlawful or malicious activities, or for activities that we deem improper for any reason whatsoever in our sole discretion. We reserve the right to take preventative or corrective actions to protect ourselves and our users. Your use of the Site is conditioned in part on your compliance with the rules of conduct, and your failure to comply may result in termination of your access to and use of the Site and liability for damages caused by your noncompliance. In addition to the foregoing, while using the Site you may not, except as described above under “Permitted Uses”:
The Site may be subject to limitations, delays, and other problems inherent in the use of the Internet, mobile devices and electronic communications. We are not responsible for any delays, delivery failures or other damages resulting from such problems. We do not guarantee the Site will be operable at all times.
ALTHOUGH MIIA MAKES EFFORTS TO PROVIDE AN ACCURATE SITE, THE SITE AND ALL PARTS THEREOF ARE PROVIDED “AS IS”, “WITH ALL FAULTS”, AND “AS AVAILABLE”. MIIA AND ITS AFFILIATES AND THEIR RESPECTIVE MANAGING MEMBERS, OFFICERS, DIRECTORS, EMPLOYEES AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE “MIIA PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION (1) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, (2) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE SITE AND CONTENT, (3) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE, (4) THE SITE AND CONTENT CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY MIIA PARTY AND (5) THAT ACCESS TO OR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE AND CONTENT IS AT YOUR OWN RISK AND MIIA MAKES NO WARRANTIES.
CONTENT ON THIS SITE IS FOR REFERENCE PURPOSES AND IS NOT INTENDED TO SUBSTITUTE FOR ADVICE GIVEN BY A PHYSICIAN, PHARMACIST, OR OTHER LICENSED HEALTH-CARE PROFESSIONAL. YOU SHOULD NOT USE THIS INFORMATION AS SELF DIAGNOSIS OR FOR TREATING A HEALTH PROBLEM OR DISEASE. CONTACT YOUR HEALTH-CARE PROVIDER IMMEDIATELY IF YOU SUSPECT THAT YOU HAVE A MEDICAL PROBLEM. INFORMATION AND STATEMENTS REGARDING WELLNESS PROGRAMS ARE NOT INTENDED TO DIAGNOSE, TREAT, CURE, OR PREVENT ANY DISEASE OR HEALTH CONDITION. HEALTH STATISTICS AND SIMILAR INFORMATION ON THE SITE ARE DERIVED FROM INDEPENDENT SOURCES. MIIA AND ITS AFFILIATES DO NOT ASSUME ANY LIABILITY FOR INACCURACIES, MISSTATEMENTS, OR OMMISSIONS.
IN NO EVENT SHALL MIIA, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO ACCESS OR USE THE SITE, OR FOR ANY CONTENT, SOFTWARE, PRODUCTS AND SERVICES MADE AVAILABLE OR OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OR ACCESS OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MIIA HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. ANY CONTENT MADE AVAILABLE OR OBTAINED THROUGH THE USE OF THE SITE, AND ALL OTHER USE OF THE SITE, IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS THEREFROM.
Arbitration shall be conducted by and submitted to a single arbitrator (“Arbitrator”) selected from and administered by the office of JAMS (“JAMS”) in Boston or in the office nearest to the county (or parish) of your registration address in accordance with JAMS’s then-existing Comprehensive Arbitration Rules and Procedures. The Arbitrator shall be authorized to award compensatory damages, but shall NOT be authorized to award non-economic damages, such as for emotional distress, or pain and suffering or punitive or indirect, incidental or consequential damages—the right to all of which you hereby waive. Each party shall bear its own attorneys’ fees, costs and disbursements arising out of the arbitration, and shall pay an equal share of the fees and costs of the Arbitrator and JAMS; however, the Arbitrator may award to the prevailing party reimbursement of its reasonable attorneys’ fees and costs (including, for example, expert witness fees and travel expenses), and/or the fees and costs of the Arbitrator. Within fifteen (15) calendar days after conclusion of the arbitration, the Arbitrator shall issue a written award and a written statement of decision describing the material factual findings and conclusions on which the award is based, including the calculation of any damages awarded. Each party shall fully perform and satisfy the arbitration award within fifteen (15) days of the service of the award. Judgment on the award may be entered by any court of competent jurisdiction. By agreeing to this binding arbitration provision, you understand that you are waiving certain rights and protections which may otherwise be available if a claim or dispute were determined by litigation in court, including, without limitation, the right to seek or obtain certain types of damages precluded by this arbitration provision, the right to a jury trial, certain rights of appeal, the right bring a claim as a class member in any purported class or representative proceeding, and the right to invoke formal rules of procedure and evidence.
By way of example only (and not by limitation), if the parties do not agree on whether a particular dispute is subject to arbitration under this arbitration agreement, the proper tribunal to decide such dispute is the United States District Court (for the appropriate district, as provided above) or, absent subject matter jurisdiction in that United States District Court, in the appropriate state court (as described above). The arbitrator shall stay all arbitration proceedings pending a decision from the appropriate court on disputes under this paragraph. The Arbitrator shall follow, adhere to and defer to the decision, order, decree or judgment of the court following the court’s decision of any such dispute under this paragraph. Any action, award or partial award of the Arbitrator in contravention of this limitation may be the subject of court appeal by the aggrieved party. No other aspect of any ruling by the Arbitrator shall be appealable, and all other aspects of the Arbitrator’s ruling shall be final and non-appealable, except as set forth herein.
You agree that MIIA is not responsible to you for anything that we may otherwise be responsible for, if it is the result of events beyond our control, including, but not limited to, acts of God, war, insurrection, riots, terrorism, crime, labor shortages (including lawful and unlawful strikes), embargoes, postal disruption, communication disruption, failure or shortage of infrastructure, shortage of materials, or any other event beyond our control.
In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it. If two or more provisions of this Agreement are deemed to conflict with each other’s operation, MIIA shall have the sole right to elect which provision remains in force.
We reserve all rights permitted to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or the any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.
We may terminate or suspend your MIIA Account, or our App, Site, and/or Service without notice, though we will strive to provide a timely explanation in most cases. Please be aware that if we terminate service, you may be entitled to a refund if applicable. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion.
We may amend this Agreement from time to time. When we amend this Agreement, we will update this page and indicate the date that it was last modified, make an announcement on our homepage or we may email you. You may refuse to agree to the amendments, but if you do, you must immediately cease using our Site and our Service.
The communications between you and MIIA use electronic means, whether you use our App, or visit the Site, or send MIIA e-mails, social media, or other messages, or whether MIIA posts notices on the App, Site, or Service or communications with you via e-mail, or social media. For contractual purposes, you (1) consent to receive communications from MIIA in an electronic form; (2) agree that all terms, conditions, agreements, notices, disclosures, and other communications that MIIA provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights.
Questions? Contact us at MIIA.firstname.lastname@example.org.