1. Acceptance of Terms
This website and related online services (collectively, the “Site”) are operated by the Michigan Municipal Risk Management Authority (“MMRMA”) and its affiliates, including Greenstone Insurance Company. By accessing or using this Site, you agree to comply with and be bound by these Terms of Use. If you do not agree, you are not authorized to use this Site.
2. Authorized Use
You agree to use the Site solely for lawful purposes and in a manner that complies with these Terms. Any unauthorized use, including attempts to access secured areas without authorization, violates these Terms and may result in suspension or termination of access.
3. Information Security and Responsibilities
You agree to:
- Maintain the confidentiality of login credentials.
- Promptly report any suspected compromise or unauthorized access.
- Refrain from uploading malware, engaging in phishing, or other malicious cyber activity.
MMRMA adheres to cybersecurity standards aligned with the NIST Cybersecurity Framework, CIS Critical Security Controls, and MITRE ATT&CK. Despite best efforts, users must also take reasonable measures to secure their own systems.
4. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless MMRMA, its affiliates, officers, directors, employees, and agents from and against all liabilities, claims, damages, losses, and expenses (including attorneys’ fees) arising from:
- Your use or misuse of the Site,
- Violation of these Terms,
- Breach of data or cybersecurity protocols due to your actions,
- Intellectual property violations, or
- Any illegal or unauthorized conduct.
5. Data Privacy
MMRMA collects limited user data to improve functionality and security. This may include:
- IP addresses for threat detection,
- Cookies for enhanced user experience.
All data is handled in accordance with our Privacy Policy.
6. Copyright and Intellectual Property
All content, logos, and materials on the Site are owned or licensed by MMRMA. Users may not reproduce, republish, or modify any materials without prior written consent. Content submitted to the Site may be used by MMRMA under a perpetual, royalty-free license.
7. Prohibited Conduct
Users may not:
- Introduce malware or malicious code,
- Engage in denial-of-service or similar attacks,
- Attempt unauthorized access to MMRMA systems or data,
- Violate local, state, or federal laws,
- Harass, threaten, or defame others through Site use.
8. External Links
The Site may link to third-party websites for user convenience. MMRMA is not responsible for the accuracy, security, or content of those external sites.
9. Training and Third-Party Services
Training registration or event services may be provided through third-party platforms. MMRMA is not liable for security, functionality, or data handling practices of these providers.
10. Modifications and Availability
MMRMA reserves the right to modify, suspend, or discontinue the Site or any part thereof at any time without notice. Continued use of the Site after changes to these Terms constitutes your acceptance of those changes.
11. Termination
Access to the Site may be terminated or suspended without prior notice if there is a suspected breach of these Terms, a security threat, or unlawful conduct.
12. Governing Law
These Terms shall be governed and interpreted in accordance with the laws of the State of Michigan, excluding its conflict of law principles.
13. Dispute Resolution and Class Action Waiver
You agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved exclusively through final and binding arbitration or mediation in Michigan, administered by a mutually agreed-upon neutral arbitrator or mediator.
- Either party may initiate arbitration or mediation by providing written notice to the other party.
- Each party shall bear its own costs and attorneys’ fees unless otherwise determined by the arbitrator.
- Arbitration shall be conducted on an individual basis only.
Class Action Waiver: To the maximum extent permitted by law, you agree that all disputes with MMRMA must be resolved individually and not as a plaintiff or class member in any purported class, collective, or representative action. The arbitrator may not consolidate or join the claims of other individuals or parties.
14. AI-Generated and AI-Assisted Content
MMRMA may use artificial intelligence (“AI”) technologies to generate or assist in the creation of certain website content, including summaries, alerts, knowledge articles, and member communications. All AI-generated or AI-assisted content is reviewed by authorized personnel prior to publication.
AI-generated content:
- Is provided for informational purposes only and should not be construed as legal, cybersecurity, or risk management advice;
- May contain errors or inaccuracies despite best efforts;
- Is subject to human oversight and review to ensure consistency with MMRMA’s mission and values.
By using this Site, you acknowledge and agree that:
- You will not rely solely on AI-generated content for decision-making without appropriate expert review;
- MMRMA makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of AI-generated content;
- MMRMA disclaims any liability for decisions made or actions taken based on such content.
Disclosure Notice: Some materials on this Site may contain AI-generated content that has been reviewed and approved by MMRMA personnel.
Last Updated: April 2025