Terms of service
Last updated: July 29, 2026
SFM Mutual Insurance Company and its subsidiaries, including CompRehab, Inc. and SFM Risk Solutions, Inc. (collectively, “SFM,” “we,” “us,” or “our”) provide our websites, applications and online services (each, a “Service,” and collectively, the “Services”). These Terms of Service (these “TOS”) govern your access and use of the Services.
NOTICE: THESE TOS INCLUDE DISPUTE RESOLUTION PROVISIONS, INCLUDING ARBITRATION, A WAIVER OF JURY TRIAL AND A WAIVER TO PARTICIPATE IN CLASS ACTIONS.
By accessing or using any Services, you agree to be bound by these TOS. If you do not agree, do not access or use any Services.
If you access or use the Services on behalf of your employer, an entity or another person, you represent that you are duly authorized to bind them to these TOS. You also represent that you are legally able to enter into a binding contract and are not prohibited from using the Services under applicable law. If you are not authorized, you are personally responsible for your use of the Services and related obligations. If you are submitting information, such as a quote request, on behalf of a policyholder or employer, you represent that you are authorized to do so and that the information provided is true and accurate to the best of your knowledge. You understand that responses or determinations provided through the Services, such as a quote, will be based on this information and that inaccurate information may result in a different response, such as a different premium or coverage terms.
1. Services. The Services are made available by us subject to these TOS. We reserve the right to update or make changes to these TOS from time to time in our sole discretion, and we may notify you of changes by any reasonable means, including without limitation, by posting the revised version of these TOS on our website. You can determine when these TOS were last revised by referring to the “Last Updated” legend at the top of these TOS. Please return to these TOS to ensure familiarity with the most current version of these TOS. Your continued access or use of the Services after any changes to these TOS are posted constitutes your agreement and consent to such changes.
1.1 Additional Terms. Certain Services may have additional terms and policies (“Additional Terms”) that apply to such Services, whether such Additional Terms are posted on our website next to the listing or description of Services or whether such Additional Terms are contained in a separate agreement between you and us. If there are any conflicts between these TOS and such Additional Terms, the Additional Terms govern only with respect to the specific Services to which they apply.
1.2 Payment Portal. The Payment Portal is a Service that permits eligible users to submit one-time payments and enroll in recurring payment arrangements, subject to applicable payment authorization terms presented when a payment is submitted or an AutoPay arrangement is established. Those payment authorization terms are Additional Terms and control with respect to the applicable payment transaction or any recurring payment arrangement established through the Payment Portal.
1.3 Payment Status. A payment submitted through the Payment Portal is not finally paid unless and until SFM receives collected funds and posts the payment to the applicable account. SFM may treat a returned, reversed, rejected, or dishonored payment as unpaid. Use of the Payment Portal does not amend any insurance policy, billing plan, cancellation notice, reinstatement requirement, or other agreement between you and SFM.
2. SFM’s Insurance Services. We provide workers’ compensation insurance and insurance-related products and services. Users may include employers, policyholders, claimants, workers, care providers, agents or others interacting with SFM through the Services.
3. Privacy Policy. Your use of the Services is subject to our Privacy Policy. Although SFM uses administrative, technical and physical safeguards designed to protect information as described in the Privacy Policy and as required by law, the Services use the Internet and third-party networks, and SFM cannot guarantee that transmissions through the Services will be secure.
4. Accounts.
4.1. Registration. To access certain Services, you may need to set up an account. You agree to provide true, accurate, current, and complete information and to keep it updated.
4.2. Responsibility for Your Account. Your account is for your individual use only, and not for use by any other person. You are responsible for maintaining the confidentiality of your login credentials (“Login Credentials”) and for all activity through your account. You agree to notify us in writing of any unauthorized disclosure or use of your Login Credentials or account. SFM may suspend or terminate your account if information you provide is inaccurate or incomplete, if your account is misused, or if continued access may expose SFM or others to harm or liability. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations. If you use the Payment Portal, you must use an email address and Login Credentials that you control. Sharing your email address or Login Credentials, or using an email address accessed by multiple people, may allow others to view sensitive account information or make changes to your account. You are responsible for ensuring that each person who accesses your account is authorized to do so. SFM is not responsible for unauthorized access or use resulting from your disclosure of Login Credentials, use of software that stores or automatically enters Login Credentials, or failure to secure your account.
5. Authorization to Transmit Personal Information; Materials.
5.1. Definitions. As used herein, “Materials” means data, information, images, photographs, audio files, video files, records, documents, forms, files, and any other materials that you enter, upload, or transmit through the Services or in connection with your account; and “Personal Information” means any information that may be considered “personal information” or “personal data” under applicable privacy and/or data security law.
5.2. Authorization to Provide Personal Information or Materials. You represent, warrant, and agree that you have the legal right, authority and any required consent to provide any Personal Information or Materials to SFM in connection with the Services, and doing so complies with applicable law.
5.3. License to Use Materials. Subject to our Privacy Policy and applicable law, you hereby grant us a worldwide, non-exclusive, non-transferable, royalty-free, fully paid-up, perpetual, sublicensable right and license to use, reproduce, process, store, transmit, display and otherwise handle Materials as reasonably necessary to provide and operate the Services, process transactions, claims and requests, comply with legal obligations, maintain system security and prevent fraud or improve and support the Services. You hereby agree to waive and not to assert any “moral” rights with respect to any Materials you provide to us.
6. Suspension and Termination. We may suspend or terminate your access to the Services or your account if you violate these TOS or any applicable Additional Terms. Except where immediate action is reasonably necessary, SFM will provide reasonable notice before permanently terminating an account. During any notice period, you may request copies of Materials associated with your account, subject to applicable law and SFM’s records retention obligations. Termination does not affect rights to access insurance policy or claim records where required by law. Upon termination, your right to use the Services ends. Sections intended to survive termination will remain in effect.
7. Code of Conduct. You agree that you will not:
- disassemble, decompile, translate, reverse engineer, or otherwise attempt to discover the source code or structure, sequence and organization of the Services;
- introduce any malware, spyware, tracking tools, or any other malicious or invasive code or program;
- misuse, disrupt, damage, disable, overburden, interfere with or circumvent any security feature or operation of the Services;
- use any data mining software, robots, spiders, or similar data gathering and extraction tools to retrieve, index, “scrape,” “data mine,” or in any way gather content or data from the Services;
- submit unlawful, infringing, defamatory, harassing, threatening, hateful, obscene or otherwise objectionable Materials;
- impersonate another person, send spam or misuse another person’s information; or
- use the Services in violation of applicable law or third-party rights.
8. License to Access and Use the Websites and Services. Subject to your compliance with these TOS and any applicable Additional Terms, we grant to you a limited, revocable, non-exclusive, non-transferable right to access and use the Services (including your account, if any) for your individual personal or business use only. We and our licensors reserve and retain all other rights related to the Services (including all intellectual property rights related thereto).
9. Links to Third Party Sites. The Services may contain links to third-party websites or services. We hereby disclaim all liability for all information, materials, products, or services posted, offered, or that may be accessed at any of the third-party websites or services linked to the Services.
10. Ownership
10.1. Your materials. Subject to the license you granted to us in Section 5.3, as between you and us, you shall own and retain all right, title, and interest (including all intellectual property rights) in and to your Materials.
10.2. Our Platform and Technology. We (and our licensors) shall own and retain all right, title, and interest in and to the Services, related technology, content and intellectual property excluding your Materials. SFM may use metadata derived from Materials to operate, maintain, improve, secure, and analyze the Services and SFM’s insurance-related business. SFM will not sell metadata derived from your Materials to third parties.
11. Disclaimers of Warranties; Limitation of Liability.
11.1 Disclaimers. THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, SFM DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, AND NONINFRINGEMENT. SFM DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR FREE FROM HARMFUL CODE. NOTHING IN THESE TOS LIMITS SFM’S OBLIGATIONS UNDER APPLICABLE DATA PROTECTION, PRIVACY, OR INFORMATION SECURITY LAWS. QUOTES PROVIDED THROUGH SFM’S WEBSITES ARE ESTIMATES BASED ON THE INFORMATION YOU PROVIDE AND ARE SUBJECT TO CHANGE. A QUOTE IS NOT AN OFFER OR GUARANTEE OF INSURANCE COVERAGE. AN SFM REPRESENTATIVE WILL CONTACT YOU TO DISCUSS YOUR QUOTE AND COMPLETE THE APPLICATION PROCESS. FINAL PREMIUMS MAY BE ADJUSTED BASED ON UNDERWRITING REVIEW, PREMIUM AUDITS, PAYROLL VERIFICATION, CLASSIFICATION CHANGES, EXPERIENCE MODIFICATION, OR OTHER FACTORS PERMITTED BY YOUR POLICY AND APPLICABLE LAW. SFM RESERVES THE RIGHT TO MODIFY, ADJUST, OR WITHDRAW A QUOTE AT ANY TIME.
11.2. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY LAW, SFM WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY, TORT, OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR COST OF SUBSTITUTE PROCUREMENT, LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION AND MATERIALS YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SERVICES, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION AND MATERIALS BY THIRD PARTIES, OR COST OF RECOVERY OR OTHER DAMAGES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. SFM WILL NOT BE LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE CAUSED BY EVENTS BEYOND OUR REASONABLE CONTROL. NOTWITHSTANDING ANYTHING ELSE IN THESE TOS, SFM’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TOS AND/OR THE SERVICES SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO SFM FOR SERVICES (EXCLUDING INSURANCE PREMIUMS) ACTUALLY PAID BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRECEDING THE DATE ON WHICH WE RECEIVE NOTICE OF A CLAIM FROM YOU OR THE MINIMUM AMOUNT REQUIRED BY LAW. NOTWITHSTANDING THE PRECEDING SENTENCE, FOR CLAIMS ARISING FROM OR RELATING TO A PAYMENT SUBMITTED THROUGH THE PAYMENT PORTAL, SFM’S AGGREGATE LIABILITY WILL NOT EXCEED THE AMOUNT OF THE PAYMENT TRANSACTION GIVING RISE TO THE CLAIM.
11.3. Jurisdictional Limitations. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU.
12. Survival. Upon any termination of these TOS, Sections 1, 3, 4.2, 5, 6, 9- 14, and 16-23 shall survive.
13. Governing Law; Dispute Resolution.
This Section 13 applies to any dispute between you and SFM, arising out of or relating in any way to these TOS, the Services, any Communications (as defined in Section 20.1) or your relationship with SFM, except for (i) insurance-related claims submitted under any insurance policy or certificate issued by SFM, (ii) disputes regarding claims handling, claims administration, policy administration, underwriting, or benefits under any insurance policy or certificate, (iii) matters subject to the jurisdiction of any insurance regulatory authority, workers’ compensation agency, or other governmental body, and (iv) any claim or proceeding governed by applicable workers’ compensation law (any dispute other than the excluded disputes is referred to as a “Dispute”).
13.1. Governing Law. These TOS are governed by the internal laws of the State of Minnesota, United States, without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of Minnesota to the rights and duties of us and you. These TOS will not be governed by the United Nations Convention on Contracts for the International Sales of Goods, the application of which is expressly excluded.
13.2. WAIVER OF JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND SFM WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY DISPUTE.
13.3. Good Faith Efforts to Resolve Dispute. Before filing an arbitration or a lawsuit, the party asserting a Dispute must provide written notice describing the Dispute to the other party. You and SFM will make good faith efforts to resolve such Dispute amicably by good faith consultation and discussions for 60 days after notice is received. If you believe you have a Dispute with SFM, please contact SFM Legal Department by email at sfm_legal@sfmic.com, including a reasonable description of the Dispute and a proposed resolution of it, so SFM can try to resolve your concerns.
13.4. BINDING ARBITRATION. If a Dispute is not resolved after sixty (60) calendar days, IT MUST BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION OR IN SMALL CLAIMS COURT in Hennepin County, Minnesota, or in small claims court in your county of residence. The arbitration will be administered by the American Arbitration Association (“AAA”) under the AAA rules and fee schedule that correspond to the nature of the dispute, subject to Section 13.5, as follows: (a) the Consumer Arbitration Rules and Mediation Procedures if you are an individual using the Services primarily for personal, family, or household purposes (a “Consumer Dispute”) and (b) in all other cases, the Commercial Arbitration Rules and Mediation Procedures (a “Commercial Dispute”).
BY AGREEING TO ARBITRATE, EACH OF YOU AND SFM IS GIVING UP ITS RIGHT TO GO TO COURT (OTHER THAN SMALL CLAIMS COURT) AND HAVE ANY DISPUTE HEARD BY A JUDGE OR JURY.
You can obtain AAA procedures, rules, and fee information by visiting http://www.adr.org. The arbitration will be conducted by a single arbitrator who shall be a retired state or federal court judge or someone with substantial insurance expertise and who shall apply and be bound by these TOS. Remedies that would otherwise be available to the parties under applicable federal, state or local laws remain available under this arbitration clause. All issues are for the arbitrator to decide, including issues of arbitrability of any Dispute, except that issues relating to whether the parties have entered a valid agreement to arbitrate are for the court to decide. Hearings may be conducted electronically, by telephone or by document submission. However, the arbitrator shall have discretionary authority to require an in-person hearing if necessary for a fair hearing. Any in-person hearing shall take place in Hennepin County, Minnesota or your county of residence.
13.5. Determination of Applicable Rules; Severability of Rule Designation. This Section 13 is intended to comply with the AAA Consumer Due Process Protocol. The AAA has authority to determine, in the first instance, whether a Dispute is a Commercial Dispute or a Consumer Dispute and which AAA rules and fee schedule apply, subject to the final determination of the arbitrator once appointed. You and SFM agree to be bound by that determination. The designation of a particular set of AAA rules or fee schedule is not a condition of, and is severable from, the parties’ agreement to arbitrate. If the AAA, an arbitrator, or a court determines that the rules or fee schedule designated for a given Dispute do not apply, then the other set of AAA rules and fee schedule identified in Section 13.4 (or such other AAA rules and fee schedule as the AAA determines applicable) shall govern, and no such determination shall render this Section 13 or the parties’ agreement to arbitrate invalid or unenforceable.
13.6. No Class Actions or Mass Arbitration Matters. THE PARTIES FURTHER AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED IN THEIR INDIVIDUAL CAPACITIES ONLY AND NOT AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION, AND THE PARTIES HERETO EXPRESSLY WAIVE THEIR RIGHT TO FILE A CLASS ACTION, PARTICIPATE IN A CLASS ACTION, OR SEEK RELIEF ON A MASS OR CLASS BASIS. Disputes will be arbitrated only on an individual basis and will not be joined or consolidated with any other arbitrations or other proceedings that involve any claim or controversy of any other party. There shall be no right or authority for any Dispute to be arbitrated on a mass or class action basis or on any basis involving Disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated. But if, for any reason, any court with competent jurisdiction holds that this restriction is unconscionable or unenforceable, then our agreement to arbitrate will not apply and the Dispute must be brought exclusively in court pursuant to Section 13.12. The arbitrator does not have the power to vary these class action waiver provisions.
13.7. Arbitration Fees.
(a) Consumer Disputes. In any Consumer Dispute, the payment and allocation of filing, administrative, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules and Consumer Arbitration Fee Schedule. If you initiate arbitration of a Consumer Dispute, you will be responsible only for the initial filing fee required of consumers under that fee schedule (or any lesser amount, or no amount, if that fee schedule or these TOS so provide), and SFM will bear all remaining AAA administrative fees and all arbitrator compensation as required by those rules. If SFM initiates arbitration of a Consumer Dispute, SFM will pay all AAA administrative fees and arbitrator compensation.
(b) Commercial Disputes. In any Commercial Dispute, the payment and allocation of filing, administrative, and arbitrator fees will be governed by the AAA Commercial Arbitration Rules and Commercial Arbitration Fee Schedule, and each party will bear the fees and costs allocated to it under those rules.
(c) Attorneys’ Fees; Bad-Faith Claims. In any Dispute, each party will be responsible for its own attorneys’ fees and expenses unless the applicable arbitration rules or applicable law permit recovery, in which case the arbitrator may award attorneys’ fees and expenses as permitted. Notwithstanding the foregoing, if the arbitrator determines that a claim or defense was brought in bad faith or for an improper purpose, the arbitrator may award the prevailing party its reasonable attorneys’ fees, expert witness fees, and arbitration-related fees and costs to the extent permitted by applicable law.
13.8. Injunctive Relief. Notwithstanding the foregoing provisions of this dispute resolution process, either party may seek an injunction or other equitable relief in any court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration. Any such action shall not constitute a waiver of the right to compel arbitration of the underlying dispute.
13.9. Small Claims Matters are Excluded from Arbitration Requirement. Either of us may bring a qualifying Dispute in a small claims court of competent jurisdiction.
13.10. 30-Day Right to Opt Out. You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth above by sending written notice of your decision to opt out to the following address via certified mail: SFM Mutual Insurance Company, PO Box 9416, Minneapolis, MN 55440, Attention: Legal Department. The notice must be sent within thirty (30) days after the date you first agreed to these TOS, otherwise you shall be bound to arbitrate disputes in accordance with the terms of those Sections. If you opt out of these arbitration provisions, SFM also will not be bound by them.
13.11. Time Limitations to Bring Claims Against Us. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY DISPUTE MUST BE COMMENCED BY THE EARLIER OF (A) THE APPLICABLE STATUTE OF LIMITATIONS FOR THE CLAIM OR CAUSE OF ACTION ASSERTED, OR (B) TWO (2) YEARS AFTER THE DISPUTE ARISES. THIS PROVISION DOES NOT SHORTEN ANY STATUTE OF LIMITATIONS THAT, BY APPLICABLE LAW, CANNOT BE SHORTENED BY AGREEMENT OF THE PARTIES. Commencing means, as applicable: (a) by delivery of written notice as set forth above in Section 13.3; (b) filing for arbitration as set forth in Section 13.4 above; or (c) filing an action in small claims court.
13.12. Jurisdictional Issues. Except where arbitration is required above or with respect to the enforcement of any arbitration decision or award, any action or proceeding relating to any Dispute arising hereunder may only be instituted in state or federal court in Minnesota. You and SFM consent to the exclusive personal jurisdiction and venue of such courts for such matters.
14. Indemnity. You agree to defend, indemnify and hold harmless us, our employees, officers, directors, shareholders, affiliates, agents, representatives, licensors, suppliers, vendors, and service providers, from and against all claims, losses, costs, and expenses (including attorneys’ fees) arising out of: (a) your and any third party’s use (through your account, Login Credentials, or Materials) of, or activities in connection with, the Services; or (b) any violation of these TOS by you.
15. Compliance with Applicable Law. In using the Services, you agree to comply with all applicable federal, state, local, and international laws and regulations.
16. Claims of Copyright Infringement.
16.1. DMCA. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under United States copyright law. If you believe in good faith that materials transmitted through the Services infringe your copyright, you (or your agent) may send us a notification requesting that we remove the material or block access to it (“Notice”). Please provide the following information: (a) an electronic or physical signature of the owner (or person authorized to act on behalf of the owner) of the copyrighted work; (b) a description of the copyrighted work that you claim has been infringed upon or, if multiple copyrighted works are covered by a single Notice, a representative list of such works, and sufficient information for us to locate such copyrighted work(s); (c) a description of the material on our websites or the Services that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate such material; (d) your address, telephone number, and email address; (e) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
16.2. Counter-notifications. If you believe that material you have submitted to SFM in connection with the Services was removed or disabled as a result of mistake or misidentification, you may file a counter notification (“Counter-Notice”). Notices and Counter-Notices must meet the then-current statutory requirements imposed by the DMCA.
16.3. Notices and Counter-Notices. Notices and Counter-Notices should be sent to SFM via email at sfm_legal@sfmic.com or via postal mail at SFM Companies, PO Box 9416, Minneapolis, MN 55440, Attention: Legal Department – Copyright Agent. Please reference “DMCA Notice” or “DMCA Counter-Notice” in your communication to us.
16.4. Termination of Account. We shall have the right to suspend, terminate, or disconnect all Services for any account engaged in suspected repeated copyright infringement. We shall have the right to transmit the Notice to the user of the Services transmitting or receiving the allegedly infringing material, and to transmit any Counter-Notice to the complaining party.
17. Entire Agreement; Amendments; Waiver. These TOS, including the Privacy Policy and any applicable Additional Terms, are the entire agreement between you and us relating to any and all access and use of the Services and supersede any and all prior or contemporaneous written or oral agreements between you and us relating to the Services. No amendment or waiver of these TOS will be binding on us unless set forth in a writing expressly identifying these TOS and signed by you and an officer of SFM. Neither your failure nor our failure to exercise any right or provision of these TOS shall constitute a waiver of such right or provision.
18. Severability. If any provision of these TOS is found to be unlawful, void, or for any reason unenforceable, that provision will be deemed severable from these TOS and will not affect the validity and enforceability of any remaining provision.
19. Notices. You authorize us to send you notices and information regarding the Services via email to the most current email address we have in our systems for you. You agree that such notice will be deemed sufficient notice, and you waive any rights to assert failure of notice. You agree that these TOS and all notices provided to you may be sent in electronic form. The Services may also provide notices of changes to these TOS or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of these TOS and of any notice given in electronic form shall be admissible in arbitration, judicial, or administrative proceedings based upon or relating to these TOS to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
20. Communications.
20.1. Consent. By voluntarily providing your telephone number(s), you agree that SFM may contact you by phone call, voicemail, or text message (such as SMS, MMS, RCS, and/or successor technologies) for informational purposes related to your account, claims, policies, or relationship with SFM, and, where permitted by law, for marketing purposes (collectively, “Communications”). Communications may be made using autodialers, artificial or prerecorded voice, or any other automated system or method. These Communications may include information about your account, your claim(s) and/or insurance policies, and/or your relationship with SFM. You acknowledge that informational Communications related to your account, claim(s), or insurance policies may be sent to your telephone number(s) using non-automated means even if your telephone number(s) is registered on any state or federal Do Not Call list to the extent permitted by applicable law. Marketing Communications will not be sent to telephone numbers registered on the Do Not Call list without your prior express written consent. You agree to receive Communications from or on behalf of SFM, even if you terminate your relationship with us, unless you opt-out in accordance with and subject to Section 20.3. You can stop receiving automated and/or telemarketing Communications at any time by following the Opt-Out Instructions below. For help, text HELP in response to any text message from us or contact SFM Legal Department at sfm_legal@sfmic.com. Standard text messaging and data rates may apply through your service provider. Text message frequency may vary. Your consent to receive automated or marketing Communications is not required as a condition of purchasing insurance, filing a claim, accessing the Services, or receiving any other insurance-related product or service from SFM.
20.2. Telephone Numbers and Other Contact Information. You represent that any telephone number you provide to SFM is true and accurate and that you are the current subscriber or owner of such telephone number. You are strictly prohibited from providing a telephone number that is not your own. If your contact information changes, including ownership of your telephone numbers, you agree to notify us before the change goes into effect, or as soon as reasonably practical thereafter, by texting STOP to any text message you receive from us or contacting SFM Legal Department at sfm_legal@sfmic.com. Your indemnification obligations under Section 14 apply to any breach of this Section 20.2.
20.3. Opt-Out Instructions.
(a) Your consent to receive automated and/or marketing Communications is completely voluntary.
(b) You may revoke your consent to receive automated and/or marketing Communications at any time by any reasonable method, including: (i) replying “STOP,” “QUIT,” “END,” “CANCEL,” “UNSUBSCRIBE,” or “OPT OUT” to any text message you receive from us; (ii) contacting the SFM Legal Department at sfm_legal@sfmic.com with your name, telephone number, and a request to opt out; or (iii) any other method that reasonably communicates your intent to revoke consent.
(c) SFM will honor your opt-out request within ten (10) business days of receipt. After receiving your opt-out request, SFM may send you one (1) confirmatory text message within five (5) minutes to clarify the scope of your opt-out. This confirmatory message will not contain any marketing or promotional content.
(d) If you opt out of marketing Communications, SFM may continue to send you non-marketing, informational Communications related to your account, claim(s), or insurance policy, using non-automated means. If you opt out in response to an informational Communication, SFM will cease all automated Communications, both informational and marketing, to the telephone number associated with your opt-out request.
(e) Opting out of automated Communications will not affect your ability to access the Services, file claims, manage your account, or receive insurance-related services. You may continue to contact SFM and receive information through the Services, email, and postal mail.
(f) Third parties may have your contact information independently of SFM. SFM is not responsible for communications sent by unaffiliated third parties. Please contact third parties directly to inform them of your communication preferences.
20.4. Call Recording and Monitoring. You acknowledge that all Communications, including telephone calls, voicemails, and text messages to, from, or through SFM, may be monitored and recorded where permitted by applicable law for quality assurance, training, compliance and security purposes, and you consent to such monitoring and recording.
20.5. Fees and Charges. SFM does not charge for text messages, but message and data rates may apply through your carrier. You are responsible for such charges.
20.6. Unauthorized Use of Your Telephone Device. You must notify us immediately of any breach of security, security incident, or unauthorized use of your telephone device. Although we, our affiliates, agents, representatives, licensors, suppliers, vendors, and service providers will not be liable for losses caused by any unauthorized use of your telephone device, you may be liable for the losses of SFM or others due to such unauthorized use.
21. Assignment. You may not assign, transfer or sublicense any or all of your rights or obligations under these TOS without our express prior written consent. We may assign, transfer, or sublicense any or all of our rights or obligations under these TOS, or relating to the Services, without restriction.
22. No Third-Party Beneficiaries. Nothing in these TOS will be construed to confer upon any third party other than the parties hereto any third-party beneficiary right of action whatsoever.
23. English Language; Captions and Headings. Only the most current English language version of these TOS is binding. In the event of inconsistency or discrepancy between the English language version and any other language version of these TOS, the most current English language version shall control and prevail. Any caption, heading, or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision of these TOS.
24. Contact Us. If you have any questions regarding the meaning or application of these TOS, please direct such questions to us via email at sfm_legal@sfmic.com or via postal mail at SFM Mutual Insurance Company, PO Box 9416, Minneapolis, MN 55440, Attention: Legal Department. Please note that email communications will not necessarily be secure; accordingly, you should not include sensitive information in your email correspondence with us.
All rights reserved.