Terms and Conditions
ACCEPTANCE OF TERMS OF USE
This website (mickey.camico.com) is proprietary to CAMICO Mutual Insurance Company and its wholly-owned subsidiary, CAMICO Services, Inc., dba CAMICO Insurance Services (together, “CAMICO, “we,” “our,” or “us”). By accessing and using this website, you acknowledge and agree to be bound by these Terms and Conditions. Please read these Terms and Conditions carefully before using the website. If you do not agree to these Terms and Conditions or the Privacy Policy, you must not access or use the website.
DISCLAIMERS
The materials contained on this website are provided for general informational purposes and learning more about products and/or services regarding the accounting profession, professional liability insurance, and engagement letters. The materials are not a complete description of all terms, conditions and exclusions applicable to the products and services described.
We are not rendering legal or any other advice through this website, and you do not become a client of ours merely by visiting this website or using our materials.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER CAMICO NOR ANY PERSON ASSOCIATED WITH CAMICO MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER CAMICO NOR ANYONE ASSOCIATED WITH CAMICO REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, CAMICO HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
THIRD-PARTY LINKS AND MATERIALS
This website may contain links to or materials from other Internet sites that are not created, published, maintained or otherwise controlled by us. These links and materials are provided solely for the convenience of the users of this site and do not constitute an endorsement of any products, services or information available on, from or through other Internet sites.
These Terms and Conditions apply only to the use of this website, and your use of any third party website will be subject to the terms and conditions posted on that particular website. We do not take responsibility and assume no liability or obligation for any content posted by any third party or on any third party website, nor do we approve, endorse or certify information available at any external site or linked addresses.
COPYRIGHT, TRADEMARKS AND INTELLECTUAL PROPERTY RIGHTS
This website and the materials on this website are the exclusive property of CAMICO or of third parties that have licensed their materials to us. We expressly reserve all copyrights, trademarks and intellectual property rights in this website and our materials.
Our company name, company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of CAMICO or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.
PROHIBITED USES
You may use the website only for lawful purposes and in accordance with these terms and conditions. You agree not to use the website:
- In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
- To impersonate or attempt to impersonate CAMICO, a company employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the website, or which, as determined by us, may harm the company or users of the website, or expose them to liability.
Additionally, you agree not to:
- Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the website, including their ability to engage in real time activities through the website.
- Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website.
- Use any manual process to monitor or copy any of the material on the website, or for any other purpose not expressly authorized in these terms and conditions, without our prior written consent.
- Use any device, software, or routine that interferes with the proper working of the website.
- Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
- Attack the website via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the website.
RESTRICTIONS ON USE OF MATERIALS
Except as otherwise specified on this website, you may download materials displayed on this website for your personal use only (or for the internal use of a CPA practice to which you are affiliated), provided that you retain all copyright and other proprietary notices contained on the materials. The materials available from this website, including text, images, audio and video, may not be used, copied, reproduced, republished, downloaded, uploaded, posted, transmitted, or distributed for any other purpose without our express written permission. You may not display, modify, create derivative works from, sell or commercially exploit in any way any of the materials on this website.
JURISDICTIONAL LIMITATIONS
The information and materials available on this website are not an offer to sell or solicitation to buy an insurance product in any jurisdiction in which we are not licensed to transact insurance or where such an offer, solicitation, purchase or sale would be unlawful under the laws of that jurisdiction. Some products and services may not be available in all jurisdictions.
INFORMATION YOU SUBMIT TO US
Our collection and use of any information that you submit to us on this website is subject to the terms of our Privacy Policy and, if you are a California resident, by our California Privacy Notice, both of which are part of these Terms and Conditions and apply to your use of this website.
Notwithstanding the foregoing, we reserve the right at all times to disclose any information that we determine, in our sole discretion, to be necessary to satisfy or comply with any law, regulation or governmental request or to avoid liability for us or any third party.
When you complete forms online or otherwise provide us with information by using this website, you agree to provide current, complete, true and accurate information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate, not current or incomplete, we may refuse your access to our materials and services and pursue any and all appropriate legal and equitable remedies.
If you create a user account to process your transactions with us, you agree to keep your user ID and password confidential and to notify us immediately if you suspect any unauthorized access to your account. We reserve the right to block access to your account if we suspect that your credentials are being used by someone else.
ARBITRATION
At our sole discretion, we may require you to submit any disputes arising from these terms and conditions or use of the website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying California law.
LIMITATION OF LIABILITY
BY USING THIS WEBSITE, YOU AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAMICO MUTUAL INSURANCE COMPANY, CAMICO SERVICES, INC. DBA CAMICO INSURANCE SERVICES (“TOGETHER “CAMICO”) AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS AND AFFILIATES SHALL NOT BE LIABLE UNDER ANY LEGAL OR EQUITABLE THEORY, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE LOSSES OR DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS WEBSITE AND ITS CONTENTS, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, AND DAMAGE TO COMPUTER NETWORKS, EVEN IF FORESEEABLE.
INDEMNIFICATION
You agree to defend, indemnify, and hold harmless CAMICO, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these terms and conditions or your use of the website, including, but not limited to, any use of the website’s content, services, and products other than as expressly authorized in these terms and conditions, or your use of any information obtained from the website.
WAIVER AND SEVERABILITY
No waiver by CAMICO of any term or condition set out in these terms and conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of CAMICO to assert a right or provision under these terms and conditions shall not constitute a waiver of such right or provision.
If any provision of these terms and conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the terms and conditions will continue in full force and effect.
ENTIRE AGREEMENT
The terms and conditions and our Privacy Policy constitute the sole and entire agreement between you and CAMICO regarding the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the website.
CHANGES TO TERMS AND CONDITIONS
We reserve the right to change these Terms and Conditions at any time by updating this posting. All changes are effective immediately when we post them. You are bound by any such revisions and should periodically visit this page to review the current Terms and Conditions.
Last Updated: June 1, 2026