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Terms

Online Terms and Conditions of Use

Last Updated: December 2, 2024

  1. Introduction
    1. These Online Terms of Service apply to any website (“Site”) or app (“App”) where these Terms appear, or any Site or App owned by the California Medical Association and its affiliates and subsidiaries (collectively, “CMA”, “we”, “us” or “our”) where we provide content, products, services, information, and/or resources (collectively, the “Services”).
    2. Your use of our Site, the App, and our Services is governed by these Online Terms of Service, which includes our Privacy Policy (“Privacy Policy”), our Content Guidelines, and our Refund Policy (all of which may be amended from time to time and effective upon posting, and which are incorporated by reference herein, collectively referred to as the “Terms”). References to “Users”, “you” or “your” mean you as a visitor, user of our Services, member, account holder, or customer, as applicable. References to third-party contractors shall include, but are not limited to, outside data hosting and storage providers such as our Site or App hosts, including, but not limited to, Clowder (“Third Party Contractors”).
    3. IMPORTANT – PLEASE READ CAREFULLY. By clicking the “I Accept” box, or by using the Site, the App, or the Services, you indicate that these Terms (including the Privacy Policy) are a binding agreement between us and you. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE SITE, THE APP, OR THE SERVICES. IMPORTANT: THESE TERMS CONTAIN AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION, AND ALSO CONTAINS A CLASS ACTION WAIVER. Please carefully review Sections 23, 24, and 25 of these Terms for more information.
  2. Changes to the Terms
    1. We’re constantly working to improve our Site, App, and Services, so we may need to change these Terms from time to time as well. Our current Terms will always be on our Site and any updates will be effective upon posting. You are responsible for periodically checking our Site for updates. Under certain circumstances, we also may elect to notify registered users and members of changes or updates to these Terms by additional means, such as posting a notice on the Site or by sending you an email, but you should not rely on receiving such additional notice,
    2. If you don’t agree with the new Terms, you are free to reject them; unfortunately, that means you must no longer use this Site, the App, or the Services. If you use the Site, the App, or the Services in any way after a change to these Terms is effective, that means you agree to all of the changes.
  3. Privacy
    1. We will maintain and use your information according to our Privacy Policy.
    2. Use By Minors; Parental/Guardian Consent. The Site, the App, and the Services are intended for access and use by individuals over 18 years of age. We do not knowingly collect or solicit Personal Information from children under 18. If you are under 18, please do not attempt to register for the Site, the App, or the Services or send any Personal Information about yourself to us. If we learn we have collected Personal Information from a child under 18, we will delete that information as quickly as possible. If you believe that a child under 18 may have provided us Personal Information, please contact us.
  4. Registration; Account Use
    1. Certain features and areas of the Site and the App are available only with registration and login. When you sign up to access certain areas of our Site or the App or to use our Services, you will initially be required to register and provide certain information, including, but not limited to, your name, email address, phone number, and other information (collectively, “Account Data”). The Account Data may contain personally identifiable information from you (such information, as well as your Account Data, is collectively referred to as “Personal Information”, which is more fully defined in our Privacy Policy). In providing the Account Data and registering to be a User, you represent and agree that: (a) the information you are providing about yourself is true, accurate, current, and complete; (b) you will maintain and promptly update your Account Data to keep it true, accurate, current, and complete; (c) you are 18 years of age or older and reside in a state in the United States in which our Services may legally be provided; (d) your use of the Services will not violate any applicable laws or regulations; (e) you take all reasonable precautions to safeguard access to your password and to prevent unauthorized access to or use of the Services, including, but not limited to, periodically changing your password and immediately changing your password if you become aware that your account has been compromised, and that you could be held liable for losses incurred by us or another person because of someone else using your password or account; (f) you will promptly report to us any unauthorized use of your login information or the Services of which you become aware; (g) you ensure that you log out from your account at the end of each session; and, (h) your membership is for your sole use and you will not authorize others to use your account. If you are using the Services on behalf of an entity, organization, or company, you represent and warrant that you have the authority to bind such organization to these Terms and you agree to be bound by these Terms on behalf of such organization. If we discover or have reason to suspect that you have provided us untrue, inaccurate, not current, or incomplete Account Data, we reserve the right to suspend or terminate your account and refuse any and all current or future use of the Site, the App, and the Services. 
    2. You are responsible for maintaining the confidentiality of your login, password, and other account information, and you are fully responsible for all activities that occur under your account. You will be solely responsible for safeguarding your password and also for any actions under your password and account, whether authorized by you or not. If you lose control of your password, you may lose substantial control of your Personal Information and could potentially be subject to legally binding actions taken on your behalf. You further agree not to use anyone else’s password on the Site or attempt to gain access to the account of any other user. We may reject any username that violates these Terms, including any username that uses another person’s identity or that violates our Content Guidelines. 
    3. You agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of the Site, the App, and the Services and CMA Content (as defined below) and not interfere with the use and enjoyment of the Site, the App, or the Services or CMA Content by other users or with our operation and management of the Site, the App, or the Services or CMA Content.
    4. We may use the email and other contact information you provide to us as part of your Account Data to provide you with service messages and updates. By becoming a User, you are consenting to the receipt of these communications.
    5. WE CANNOT AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE TERMS. 
    6. Refunds for membership dues are governed by our Refund Policy.
  5. Our Services
    1. License to CMA Content. As part of our Services, we provide access to information, content, and other resources (collectively, “CMA Content”). You are granted a limited, personal, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the CMA Content, conditioned on your continued acceptance of, and compliance with, these Terms, including our Privacy Policy. You may print CMA Content for your own personal use, but you may not further publish or distribute copies without our advance written permission.
    2. Availability. We shall use commercially reasonable efforts to provide continuous access to the Site and our online Services, but we do not guarantee that the Site, App, or the online Services will be accessible at all times. The Site, App, or the online Services may be unavailable during maintenance periods, an emergency, or due to unforeseen circumstances.
    3. Force Majeure Events. We and Third Party Contractors shall not be liable to you or any other person, firm, or entity for any failure of performance under these Terms if the Site, the App, or our Services is due to any cause beyond our reasonable control, including, but not limited to strikes, labor disputes, lockouts, or work stoppages, or other labor difficulties, shortages of labor or materials, riots, vandalism, civil disturbances, acts of terrorism, wars, third-party provider outages, cable cuts, power crisis shortages, internet failures, computer equipment failures, telecommunication equipment failures, fiber cuts, failure of the telecommunications or information services infrastructure, hacking, SPAM, or any failure of a computer, server network, or software, other equipment failures, electrical power failures, loss of or fluctuations in heat, light, or air conditioning, inclement weather, fires, floods, storms, explosions, and other uncontrollable acts of God or nature, or other similar occurrences; any law, order, regulation, direction, action, or request of the United States or foreign government (including state and local governmental agency, department, commission, court, bureau, corporation, or other instrumentality of any one or more of said governments) or of any civil or military authority, or national emergencies.
    4. REFUSAL OF SERVICES. We have the right to refuse to provide any of our Services to you. We have the right to cease offering Services or access to any CMA Content at any time and in our sole discretion, with or without prior notice to you. We have the right to terminate or suspend your access to all or part of the App, the Site, or Services for any reason or no reason, including violation of these Terms.
    5. THIRD PARTY CONTRACTORS. Our Third-Party Contractors may be located (or have data stored or accesses) inside or outside the United States.
    6. DATA BACKUPS. Data uploaded or stored on the Site is backed up periodically. We are not responsible for storing or retaining User Content (as defined below) and shall not be liable for any loss, deletion, or alteration of any User Content. We retain your Personal Information according to the retention provisions in our Privacy Policy.
    7. ACCOUNT DEACTIVATION. We reserve the right to deactivate any accounts which have not been active for at least six (6) months. We reserve the right to delete data in deactivated accounts. 
    8. Third Party Content. In addition to CMA Content and User Content as defined below, we may provide other third-party content on the Services (collectively, “Third-Party Content”). Neither CMA nor our Third-Party Contractors control or endorse any Third-Party Content and make no representation or warranties about the Third-Party Content, including its accuracy or completeness. Neither CMA nor our Third-Party Contractors create Third-Party Content, update it, or monitor it. Thus, we’re not responsible for any Third-Party Content on the Services.
  6. Communications. 
    1. As a visitor or User, you hereby consent to receive electronic communications (email, text/SMS, and by mobile phone) from us concerning our Services (collectively, “Communications”). For users, the Communications may be those that we are required to send to you by law concerning the Services (“Required Communications”). The Communications may also be those that we send to you for other reasons. We may provide these Communications to you by sending an email to the email address you provided in connection with your account, by text/SMS to or by calling the mobile phone number you provide, and/or by posting the Communications on the Site. You may change the email or mobile phone number on file for your account by visiting your account information page. You may opt out of receiving all Communications via email by sending a notice to us that identifies your full name, username and email address. If you are a registered User and opt out, you will not receive any further electronic notices from us, which notices may include important notices or announcements, but we will continue to mail you required or important notices. 
  7. Access to and Use of the Site and App. 
    1. LICENSE GRANT. Subject to your compliance with these Terms, we grant you a limited, personal, revocable, nonexclusive, non-sublicensable, non-transferable right to access the Site and App, and use the Services for your personal, noncommercial use only. We have the right, but not the obligation, to take any of the following actions without providing any prior notice to you: (a) change or terminate all or any part of the Site, the App, or the Services; (b) restrict or terminate your access to all or any part of the Site, the App, or the Services; or (c) refuse, move, or remove any content that is available on the Site and any material that you submit to the Site. 
    2. RESERVATION OF RIGHTS. You acknowledge and agree that the Site, the App, and Services is provided under license, and not sold, to you. You do not acquire any ownership interest in the Site, the App, or the Services under these Terms.
    3. APP UPDATES. We may from time to time in our sole discretion develop and provide App updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features. Updates may modify or delete in their entirety certain features and functionality. You agree that we have no obligation to provide any updates or to continue to provide or enable any particular features or functionality.
  8. Job Posting Portal. 
    1. Our “Physicians Career Center” portal, available only to members, has information about employment opportunities with third party organizations, and contains a link that directs you to a third party’s website in which you may be provided the opportunity to submit an application for employment. Such third-party website may have its own terms of use and privacy policy which you should review prior to submitting any Personal Information through that website. We will not be provided access to any information in any such application you submit. You agree that we are not responsible or liable for any inaccuracies in such listings, for how current the listing is, or in any postings that are made.
  9. Acceptable Use and Restrictions on Use. You shall not (and shall not allow any third party to):
    1. engage in commercial use of the Site, the App, or any content on the Site or the App;
    2. reproduce, copy, display, store, perform, re-post, publish, transmit, distribute, sell, offer for sale, license, modify, create derivative works, or otherwise use any portion of the content offered on the Site or the App for other than your own personal, non-commercial use;
    3. remove any copyright, trademark, or other proprietary rights notices contained in or on the Site, the App, or Services or in or on any content or other material obtained via the Site, the App, or the Services;
    4. use any robot, spider, site search/retrieval application, or other automated device, process, or means to access, retrieve, scrape, or index any portion of the Site, the App, or the Services, including, but not limited to, for purposes of constructing or populating a searchable database;
    5. collect or harvest any information about other users or members (including usernames and/or email addresses) for any purpose;
    6. reformat or frame any portion of the web pages that are part of the Site, the App, or the Services;
    7. create user accounts by automated means or under false, misleading, or fraudulent pretenses, including, but not limited to, using false, misleading, or fraudulent information, impersonating or trying to impersonate a CMA employee, another user, or any other person or entity (including by using email addresses or usernames associated with any of the preceding);
    8. create or transmit unwanted electronic communications such as “spam” to other users or members of the Site, the App, or the Services or otherwise interfere with other users’ or members’ enjoyment of the Site, the App, or the Services;
    9. transmit any viruses, worms, defects, Trojan horses, or other items of a destructive nature;
    10. use the Site, the App, or the Services to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material, including any material that may be deemed threatening or obscene;
    11. copy or modify the HTML code used to generate web pages on the Site or the App;
    12. use any device, software, or procedure that interferes with the proper working of the Site, the App, or the Services, or otherwise attempt to interfere with the proper working of the Site, the App, or the Services;
    13. take any action that imposes, or may impose in our sole discretion, an unreasonable or disproportionately large load on our IT infrastructure (e.g., DDOS attack);
    14. modify, adapt, translate, or reverse engineer any portion of the Site, the App, or the Services;
    15. attack the Services via a denial-of-service attack or a distributed denial-of-service attack;
    16. use the Services in any way that could disable, overburden, damage, or impair the Services or interfere with any other person’s use of the Services, including their ability to engage in real-time activities through the Services; or
    17. use the Site, the App, or the Services, intentionally or unintentionally, to violate any applicable international, national, federal, state, provincial, or local law or regulation.
  10. User Content
    1. Portions of the App and the Site permits the submission of text, files, images, photos, videos, sounds, musical works, works of authorship and/or other materials and content by you (“User Content”). Such submissions may be posted for others to see. We do not endorse or approve any User Content that you or other Users contribute or post. We respect the intellectual property rights of others. You must have the legal right to upload any User Content. You are solely responsible for any content that you post. Neither we, nor our Third-Party Contractors, are liable for anything that you post or say while you use the Services.
    2. You agree to not upload or post any User Content that infringes, violates, or misappropriates the copyright, trademark, or other intellectual property rights of a third party nor may you upload Content that violates any third party’s right of privacy or right of publicity. You may upload only Content that you are permitted to upload by the owner or by law.
    3. All User Content uploaded to the Forums Community or other location on the Site is deemed nonconfidential and nonproprietary.
    4. Your User Content must not include any viruses, adware, spyware, worms, or other harmful or malicious code.
    5. You acknowledge that you are responsible for any User Content you post, and you, not us, have full responsibility for that User Content, including its legality, reliability, accuracy, and appropriateness. Neither we nor our Third-Party Contractors are responsible or liable to any person for the content, accuracy, or use of any User Content posted by you or any other user. Neither we nor our Third-Party Contractors control or endorse any User Content and make no representation or warranties about User Content, including their content, completeness, truthfulness, or accuracy. You further acknowledge that your participation in the Services and submission of User Content is voluntary and that you will not receive financial compensation of any type associated with User Content or the licenses, waivers, and/or releases set forth herein or our exploitation thereof. You acknowledge that neither we nor our Third-Party Contractors pre-screen User Content, but that we and our designees will have the right, but not the obligation, in our sole discretion to refuse or remove any User Content that is available via the Services.
    6. You attest that your User Content complies with these Terms, CMA’s Content Guidelines, our Privacy Policy, CMA’s Policy On The Prohibition Of Harassment, CMA’s Policies on Professionalism, and all other CMA Policies.
  11. Content License From You
    1. You retain copyright and any other rights you already hold in User Content which you submit, post, or display on or through, the Services. By submitting, posting, or displaying your User Content, you give us a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, without restriction, including, but not limited to the right to quote, re-post, publish, use, adapt, translate, archive, store, reproduce, modify, create derivative works from, syndicate, license, print, sublicense, distribute, transmit, broadcast, and otherwise communicate, and publicly display or perform the User Content and to provide such User Content to any other User of the Services, or any portion thereof, in any manner or form and in any medium or forum, whether now known or hereafter devised, without notice, payment, or attribution of any kind to you or any third party. You grant us all licenses, consents, and clearances to enable us to use such User Content for such purposes. You waive and agree not to assert any moral or similar rights you may have in such User Content.
    2. You agree that this license includes a right for us to make such User Content available to other companies, organizations, or individuals with whom we have relationships for the provision of syndicated services, and to use such Content in connection with the provision of those services.
    3. You understand that we, in performing the required technical steps to provide the Services to our users, may: (a) transmit or distribute your User Content over various public networks and in various media; and (b) make such changes to your User Content as are necessary to conform and adapt that User Content to the technical requirements of connecting networks, devices, services, or media. You agree that this license shall permit us to take these actions.
    4. You confirm and warrant to us that you have all the rights, power, and authority necessary to grant the above license.
  12. Removal of Content. 
    1. We reserve the right (but have no obligation) to remove, block, edit, move, or disable User Content that is objectionable to us for any reason. The decision to remove User Content or other Content at any time is in our sole and final discretion. To the maximum extent permitted by applicable law, we do not assume any responsibility or liability for User Content or for any failure to or delay in removing User Content or other Content. You are solely responsible for your User Content and may be held liable for User Content that you post.
  13. COPYRIGHT INFRINGEMENT AND OTHER COMPLAINTS.
    1. DMCA Notice. If you believe that any content on the Site violates these Terms or your intellectual property rights, you can report such violation to us in accordance with the Digital Millennium Copyright Act (17 U.S.C. §512). In the case of an alleged infringement, please provide the following information:
      1. A description of the copyrighted work or other intellectual property that you claim has been infringed;
      2. A description of where the material that you claim is infringing is located on the Site (including the exact URL);
      3. An address, a telephone number, and an e-mail address where we can contact you;
      4. A statement that you have a good faith belief that the use is not authorized by the copyright or other intellectual property rights’ owner, by its agent, or by law;
      5. A statement by you under penalty of perjury that the information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the owner’s behalf; and
      6. Your electronic or physical signature, or that of the person authorized to act on behalf of the owner of the copyright or other right being infringed.
         
      We may request additional information before we remove allegedly infringing material. You may report a copyright violation by providing the above information to the designated agent as follows:

      California Medical Association
      1201 K Street, Suite 800, Sacramento, California 95814
      Attn: General Counsel
      Email: memberservice@cmadocs.org

      We will terminate the User account of any User who repeatedly submits content that violates our intellectual property policies. A repeat infringer is a User who has been notified of infringing activity more than twice and/or has had Content removed from the Site more than twice
  14. You should note that if you knowingly misrepresent in your notification that the material or activity is infringing, you will be liable for any damages, including costs and attorneys’ fees, incurred by us or the alleged infringer as the result of our relying upon such misrepresentation in removing or disabling access to the material or activity claimed to be infringing.
  15. Complaints
    1. California Residents Only. California residents may contact in writing the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs at 1020 North Street, #501, Sacramento, California 95814, or by telephone at +1 (916) 445-1254.
  16. Fees; Billing
    1. Fees. Fees for any Services are described on the applicable Site page or in our App. We may change our fees at any time, which will be effective when posted.
    2. Payment Terms. 
      1. Unless different payment terms are specified on a particular Site page or in our App, all fees are due in full upon purchase of the applicable Services. 
      2. You agree to pay interest on any delinquent amount at the rate of the maximum rate allowed by law. We will automatically charge the credit/debit card on file for your Account (the “payment method”) for any and all monies owing on your Account (including interest), for as long as your account is open, regardless of whether or not you are using the purchased Services. You agree to pay attorneys’ fees and court costs if any amounts due to us are collected by or through an attorney or collections service.
    3. Credit Card Processing. We use Stripe, Authorize, PayPal, and/or other payment processing providers and platforms. Your use of any of these provider’s services is subject to your agreement to and continued compliance with their terms and conditions.
  17. Suspension of Services. 
    1. We may suspend a User’s account and access to the Services, with or without notice, if any provision in these Terms is violated.
  18. Term; Termination
    1. These Terms shall continue until terminated.
    2. Termination. 
      1. We reserve the right to stop providing the Site, the App, or Services to you at any time for any reason without prior notice.
      2. We reserve the right, in our sole discretion, to close your User Account, without prior notice, for any one or all of the following: (i) if you, whether intentionally or unintentionally, breach any section of these Terms, any supplemental rules and guidelines, any of the terms and conditions of the respective service providers; (ii) if we receive notice that you will be or are subject to insolvency proceedings; (iii) upon our receipt of any third party chargeback associated with any Payment Method tendered as payment on your User Account; (iv) if we do not receive a written response from you within 48 hours of any notice sent to you regarding a violation; (v) if, in our judgment, your use of the Site, the App, or of the Services has the potential to pose any harm; (vi) if your User Account becomes past due and is not paid within twenty calendar days of becoming past due; (vii) if a hacked script or otherwise compromised website is discovered on our systems at the Services in use by you; (viii) if an unusual spike in resource usage is detected by our systems resulting in an account far outstripping the allotted resources; (ix) if you fail to cure any suspension of your User Account or any individual Services, to our satisfaction, and within the time frame we specify; or (x) if, in our judgment, we have received too many complaints about your posted User Content. In the event of any such closure of your User Account, you will not be eligible for a refund of any fees and you may be prohibited from reopening your User Account, opening a new User Account, or accessing any existing User Account. You agree that we shall not be liable, in any way, for any closure pursuant to this section of these Terms.
      3. Upon any closure of your User Account: (i) these Terms and all rights granted under these Terms shall cease immediately (except those expressly surviving or which by their nature would survive); (ii) all access to the Services and your User Account will cease immediately; (iii) you will be billed for, and we may automatically attempt to collect from your Payment Method, any outstanding amount owed; and (iv) all User Content may be deleted from our servers and backup systems and we may not have or keep backup of your User Content. You agree to indemnify and hold us harmless from and against any and all claims, losses, or damages arising from any closure of your User Account. Any and all sections in these Terms which impose obligations continuing in their nature shall survive closure or otherwise continue to remain in full force and effect even after account closure. You are not permitted to access your User Account or any of the Services formerly associated with your User Account following any closure.
  1. Effects of Suspension. Upon any suspension of your User Account, all Services associated with your User Account will be suspended or otherwise made inaccessible until and unless all issues are addressed and resolved by you, to our satisfaction, and within the time frame we specify. During any suspension of your User Account or any individual Services, you will not be permitted to: (i) add, upgrade, downgrade, or modify any of the Services; (ii) request an emergency restoration (iii) transfer any Services, including but not limited to domain name registrations; (iv) access any of the websites, email accounts, or User Content associated with the suspended Services or account. You agree to hold us harmless from and against any and all claims, losses, or damages arising from any suspension of your User Account or the individual Services.
  1. Intellectual Property
    1. Ownership. Ownership of all intellectual property and other rights in the Services, the App, Content, and our Site, including, but not limited to, information, data, materials, interfaces, computer code, databases, products, services, resources, images, photographs, audio and video material, artwork, design, layout, content, links, and other content shall remain with us and our licensors, developers, and partners, as applicable. CMA Content is the property of CMA, its licensors, sponsors, partners, advertisers, content providers or other third parties and is protected by law including, but not limited to, copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws, treaties, and regulations. You may not alter, delete, obscure, or conceal any copyright or other notices appearing in the CMA Content, including any such notices appearing on any CMA Content. You are not permitted to download, transmit, display, print, use, or reproduce from the Site, the App, or the Services except when expressly and specifically granted that permission. We reserve all rights not specifically granted in these Terms.
    2. Trademarks. CMA, the logo, as well as all other trademarks, service marks, trade names, logos, product and service names, designs, and slogans on the Site, the App, or the Services are the trademarks or registered trademarks of CMA, its affiliates, subsidiaries, affinity partners, or of our licensors (“Trademarks”). Other than as specifically provided herein, you may not use these Trademarks in any other way, including, but not limited to, that our Trademarks may not be copied or imitated in whole or in part by any means, including but not limited to, the use of framing or mirrors. None of the content for our Site may be retransmitted without our express written consent. Any use of these Trademarks by you, whether or not permitted, inures to our benefit. You must not use these Trademarks in whole or in part without first obtaining our prior written permission and, whether or not use is permitted, you must not use these Trademarks in connection with any product or service that is not ours, in any manner that is likely to cause confusion among consumers, or in any manner that disparages or discredits us. Any use of these Trademarks must be under any guidelines that we may provide you from time to time. All other service marks, trademarks, trade names, logos, product and service names, designs, and slogans on these Services are the marks of their respective owners. Reference on the Site, the App, or the Services to any products, services, processes, or other information, by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply our endorsement, sponsorship, or recommendation or any other affiliation.
    3. Improvements or Modifications. Any improvements or modifications you suggest, we shall own, and by submitting a suggestion, you agree to and do hereby assign to us all your right, title, and interest in and to any suggestions, feedback, modifications, or improvements automatically upon creation and without the need for further action, consideration, or notice to affect such assignment. 
  2. Disclaimers
    1. YOUR USE THE SITE, THE APP, THE SERVICES, THE MATERIALS, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICE AT YOUR OWN RISK. THE SITE, THE APP, AND THE SERVICES, INCLUDING, WITHOUT LIMITATION, TEXT, GRAPHICS, AND LINKS IN THE SITE AND/OR THE APP, ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, OTHER THAN AS EXPRESSLY STATED HEREIN. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND WARRANTIES ARISING FROM COURSE OF DEALING, OR COURSE OF PERFORMANCE, OR USAGE OF TRADE. WE DO NOT REPRESENT OR WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE, THE APP, AND THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES THE SERVICES AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE, THE APP, OR THE SERVICES OR ITEMS OBTAINED THROUGH IT WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. WE DO NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY, OR OTHERWISE. THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. WE ARE NOT RESPONSIBLE FOR THE ACTIONS OR INFORMATION OF THIRD PARTIES, AND YOU RELEASE US FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST ANY SUCH THIRD PARTIES. 
    2. Medical and Legal Disclaimer. The CMA Content is provided for informational purposes only and is not intended as medical or legal advice, or as a substitute for the medical advice of a physician, or the legal advice of an attorney.
  3. Limitation of Liability
    1. Our Site, the App, and Services are provided on an “as is” and “as available” basis. Notwithstanding the foregoing, you agree that in no event will we be liable to you or any other person for any indirect, incidental, punitive, special, or  consequential damages (including, without limitation, lost profits and damages related to corruption or deletion of our Site, the App, or Services) arising out of or in relation to these terms or your use or inability to use the Services (including, but not limited to, inoperability of our servers), regardless of the form of action, whether in contract, tort (including negligence), or otherwise, even if we have been advised of the possibility of such damages. This includes, but is not limited to, any loss that may occur due to any loss of the Services, the use of the Services, access delays or access interruptions to the Site, the App, or Services, force majeure events, the non-recognition of our hosting service’s servers, the protection or privacy of electronic mail or other information transferred through the internet or any other network provider or service its customers may utilize, or the application of any policy set forth herein.
    2. You hereby release CMA, and each of its owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, third party contractors, and licensors from all liability arising out of your User Content or the conduct of other users or third parties, including disputes between you and one or more other users or third parties.
    3. You acknowledge and agree that your sole and exclusive remedy for any dispute with us, our owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, third party contractors, and licensors arising out of or relating to the Services, or any User Content is to stop using the Services, and to cancel your account. You acknowledge and agree that we, our owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, Third Party Contractors, and licensors are not liable for any act or failure to act by them or any other person regarding conduct, communication, or content on the Site, the App, or the Services. In no case shall our liability or that of our owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, third party contractors and licensors to you exceed the greater of: (a) the amount actually paid by you for the Services; or (b) one hundred dollars (U.S.). The foregoing limitations will apply whether such damages arise out of breach of contract, tort (including negligence), or any other theory or cause of action and regardless of whether such damages were foreseeable, or we were advised of the possibility of such damages.
    4. Exclusion of damages; exclusive remedy. Unless caused by its gross negligence or intentional misconduct, CMA and each of its owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, third party contractors, and licensors will not be liable to you for any direct, indirect, special (including so-called consequential damages), statutory, punitive, or exemplary damages arising out of or relating to your access or your inability to access the Services or the CMA Content. This exclusion applies regardless of the theory of liability and even if you told us about the possibility of those damages or we or Third-Party Contractors knew or should have known about the possibility of those damages. CMA, and each of its owners, subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, third party contractors, and licensors will not be liable to you for any damages for (1) personal injury, (2) pain and suffering, (3) emotional distress, (4) loss of revenue, (5) loss of profits, (6) loss of business or anticipated savings, (7) loss of use, (8) loss of goodwill, (9) loss of data, (10) loss of privacy, or (11) computer failure related to your access of or your inability to access the service or the CMA Content.
    5. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential, indirect, exemplary, special, punitive, or incidental damages, in such states or jurisdictions, our liability, and that of our subsidiaries, directors, employees, attorneys, affiliates, agents, representatives, affinity partners, and licensors shall be limited to the full extent permitted by law. 
    6. If you are a California resident, you waive California Civil Code §1542, which says: a general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor or released party. You waive all rights under section 1542 and any other federal or state statutes or laws of similar effect.
  4. Indemnification. 
    1. By utilizing the Site, the App, or the Services, you agree to indemnify, defend, and hold us and our officers, directors, employees, agents, affiliates, Third Party Contractors, and affinity partners harmless from and against any and all liability, losses, costs, and expenses (including attorneys’ fees) incurred by us  that is caused by the following: (a) your access of, or conduct on, the App, the Site, or the Services, including your User Content; (b) your conduct offline; (c) your breach of these Terms; (d) your dispute with any other user; (e) your violation of rights of any person, including intellectual property, publicity, and privacy rights; (f) your violation of any applicable law; (g) your tortious acts or omissions; or (h) your criminal acts or omissions. But you are not required to pay if the loss was caused by the indemnified party’s intentional misconduct. You also agree to take sole responsibility for any royalties, fees, or other monies owed to any person by reason of any content you post or transmit through the Site, the App, or the Services we provide.
    2. “Loss” means an amount that the indemnified party is legally responsible for or pays in any form. Amounts include, for example, a judgment, a settlement, a fine, damages, injunctive relief, staff compensation, a decrease in property value, and expenses for defending against a claim for a loss (including fees for legal counsel, expert witnesses, and other advisers). A Loss can be tangible or intangible; can arise from bodily injury, property damage, or other causes; can be based on tort, breach of contract, or any other theory of recovery; and includes incidental, direct, and consequential damages. A Loss is “caused by” an event if the Loss would not have happened without the event, even if the event is not a proximate cause of the loss.
    3. Indemnified Party’s Duty to Notify You. If the indemnified party has your contact information, the indemnified party will notify you after the indemnified party knows or should reasonably have known of a claim for a Loss that you might be compelled to pay. But the indemnified party’s failure to give you timely notice does not end your obligation, except if that failure prejudices your ability to defend or mitigate losses.
    4. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter (including settling it) otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. If the indemnified party directs you to control the defense, you will not settle any litigation without the indemnified party’s written consent if the settlement (1) imposes a penalty or limitation on the indemnified party, (2) admits the indemnified party’s fault, or (3) does not fully release the indemnified party from liability. You and the indemnified party will cooperate in good faith on a claim.
    5. No Exclusivity. The indemnified parties’ rights under this section do not affect other rights they might have.
    6. This Indemnification Section 19 shall survive any termination of these Terms.
  5. Cooperation with Law Enforcement and Government Agencies. 
    1. You acknowledge that we have the right to investigate and prosecute violations of these Terms, including intellectual property, publicity, and privacy rights infringement, and Site security issues, to the fullest extent of the law. We may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms. You acknowledge that we have no obligation to monitor your access to or use of the Site, the App, or the Services, but we have the right to do so for the purpose of operating the Site, the App, and the Services, to ensure your compliance with these Terms or to comply with applicable law or the order or requirement of a court, administrative agency, or other governmental or regulatory body.
  6. Taxes. If any federal, state, or local governmental entity with taxing authority over the Site, the App, or the Services imposes a tax, duty, or fee directly on the Site, the App, or the Services provided to you by us under these Terms (excluding any income, business and occupation, capital gain, death or inheritance, or other indirect taxes), then we may pass the direct amount of such tax on to you, and you shall promptly pay that tax.
  7. Disputes; Resolution; Arbitration
    1. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to these Terms or use of the Site must be filed within one (1) year after such claim or cause of action arose or be forever barred.
    2. Arbitration. In the event of any dispute, claim, question, or disagreement arising from or relating to these Terms, or the relationship that results from these Terms, other than claims for injunctive or other equitable relief (a “Dispute”), the parties hereto shall use their best efforts to settle the Dispute. To this effect, the parties shall consult and negotiate with each other in good faith and, recognizing their mutual interests, attempt to reach a just and equitable solution satisfactory to both parties. If the parties do not reach such solution within a period of thirty (30) days, then the Dispute shall be resolved by binding arbitration in Sacramento, California USA, in accordance with the Commercial Arbitration Rules of the American Arbitration Association (the “AAA”), subject to the limitations of this section. This agreement to arbitrate will be specifically enforceable under the prevailing law of any court having jurisdiction. Notice of a demand for arbitration shall be filed in writing with the other party hereto and with the AAA. The demand for arbitration shall be made within the time provided herein, and in no event shall any such demand be made after the date when institution of legal or equitable proceedings based on such Dispute would be barred by the applicable statute of limitations. The parties agree that one (1) arbitrator shall arbitrate the Dispute. The arbitrator shall be selected by the joint agreement of the parties, but if they do not so agree within twenty (20) days after the date of the notice of a demand for arbitration referred to above, the selection shall be made pursuant to the Commercial Arbitration Rules of the AAA from the panels of business arbitrators maintained by the AAA. The decision of the arbitrator shall be made in writing, shall be final, judgment may be entered upon it in any court having jurisdiction thereof, and the decision shall not be subject to vacation, modification, or appeal, except to the extent permitted by sections 10 and 11 of the Federal Arbitration Act, the terms of which sections the parties agree shall apply. The expenses of arbitration, including reasonable attorneys’ fees and the fees and expenses of the arbitrator, shall be shared equally by the parties. 
    3. The arbitrator will have no authority to award attorneys’ fees, punitive damages, or any other monetary relief not measured by the prevailing party’s actual damages and each party irrevocably waives any claim thereto. The award may include equitable relief. The arbitrator will not make any ruling, finding, or award that does not otherwise conform to these Terms. The arbitrator may render a summary disposition relative to all or some of the issues, provided that the responding party has had an adequate opportunity to respond to any such application for such disposition.
    4. The parties agree to treat all aspects of the arbitration as confidential, as provided in the AAA Rules. Before making any disclosure permitted by the Rules, a party shall give written notice to the other party and afford such party a reasonable opportunity to protect its interests. Further, judgment on the arbitrators’ award may be entered in any court having jurisdiction.
    5. You and we agree that we may bypass arbitration and go to court to resolve disputes relating to: (a) your or our intellectual property (e.g., Trademarks, domain names, trade secrets, copyrights or patents), (b) your violation of the restrictions on use, or (c) your violation of our Content Guidelines.
    6. These Terms shall not be governed by the United Nations Convention on the International Sale of Goods.
  8. Waiver of Jury Trial. EACH PARTY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY FOR ANY LEGAL ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE TRANSACTIONS CONTEMPLATED HEREBY.
  9. Class Action Waiver. Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor we will seek to have any dispute heard as a class action or in any other proceeding in which either party acts or proposes to act in a representative capacity, and each party hereby waives any right to assert consolidated claims with respect to any disputes subject to arbitration under these Terms or any disputes between the parties. No arbitration or proceeding will be combined with another without the prior written consent of all parties to all affected arbitrations or proceedings.
  10. Limitation on Time to Bring Claims. A party will not file a claim arising out of or relating to the Services or these Terms more than one year after the cause of action arose. Any claim brought after one year is barred.
  11. App Stores for CMA Apps
    1. You acknowledge and agree that the availability of the App is dependent on the third party from whom you received the Services license and related software (the “App-Enabled Software”), e.g., the Apple App Store or Google Play (each, an “App Store”). In order to use the App, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by the App Store in connection with the App.
    2. You agree to comply with, and your license to use the App is conditioned upon your compliance with all terms of agreement imposed by the applicable App Store when using the Services. Accordingly, you acknowledge and agree as follows:
    3. These Terms are between you and us and not with the App Store. As between us and the App Store, we, and not the App Store, are solely responsible for the App and the content thereof.
    4. The license granted to you for use of the App-Enabled Software is limited to a non-transferable license to use the Services on any Apple or Google-branded products that you own or control and as permitted by the usage rules set forth in the relevant App Store Terms of Services, except that such Services may be accessed, acquired, and used by other accounts associated with you via Family Sharing or volume purchasing.
    5. If you have any questions, complaints, or claims with respect to the App-Enabled Software, they should be directed to us as follows: memberservice@cmadocs.org.
    6. You may not use the Services or the App-Enabled Software in any manner in violation of or inconsistent with the usage rules for App-Enabled Software in, or otherwise be in conflict with, the App Store Terms of Services or any other applicable third-party terms and conditions.
    7. You acknowledge that the App Store (and its affiliates) are third-party beneficiaries of these Terms of Services and that, upon your acceptance of the terms and conditions of these Terms of Services, we may grant the App Store the right to enforce these Terms of Services against you with respect to the App-Enabled Software as a third-party beneficiary thereof. We may amend, terminate, or rescind these Terms of Services without the consent of the App Stores or any such subsidiary.
    8. Export Regulation. The App may be subject to US export control laws, including the Export Control Reform Act and its associated regulations. You shall not, directly or indirectly, export, re-export, or release the App to, or make the App accessible from, any jurisdiction or country to which export, re-export, or release is prohibited by law, rule, or regulation. You shall comply with all applicable federal laws, regulations, and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing, or otherwise making the App available outside the US.
  12. General
    1. Governing Law. For all legal proceedings arising out of use of the Site, the App and/or the Services and/or relating to these Terms, these Terms and the relationship between you and us shall, irrespective of any choice of laws rules, be governed by and construed in accordance with the laws of the State of California. You and we hereby irrevocably and unconditionally submit to the jurisdiction of courts located in Sacramento, California or the court of competent jurisdiction closest thereto if no court of competent jurisdiction resides therein, and the parties’ consent to the personal jurisdiction of such courts and expressly waive any right they may otherwise have to cause any such action or proceeding to be brought or tried elsewhere. You and we irrevocably waive, to the fullest extent permitted by law, any objection that you may now or hereafter have to the laying of the venue of any proceeding brought in any such court or any claim that a legal proceeding commenced in such court has been brought in an inconvenient forum.      
    2. Assignment. You may not assign, convey, or transfer (whether by contract, merger, or operation of law) (collectively, “assign” or variants thereof) these Terms, in whole or in part, without our prior written consent, which may be granted or withheld by us in our sole discretion. Any attempted assignment in violation of these Terms will be of no power or effect. We may assign these Terms freely at any time without notice. Subject to the foregoing, these Terms will bind and inure to the benefit of each party’s permitted successors and assigns. We reserve the right to, and you hereby consent to, our right to disclose, transfer, and/or assign your Personal Information in connection with a merger, consolidation, restructuring, financing, sale, or other transaction. In addition, if a potential buyer is interested in purchasing us, you agree that we may provide the potential buyer with your Personal Information on a confidential basis and subject to the use restrictions in these Terms. 
    3. Waiver. The failure to exercise or enforce any right or provision shall not affect our right to exercise or enforce such right or provision at any time thereafter, nor shall a waiver of any breach or default of these Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.
    4. Severability. If any portion of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in such provision, and, notwithstanding such finding, the remaining provisions of these Terms shall remain in full force and effect. 
    5. Entire Agreement. These Terms, including the Privacy Policy, Content Guidelines, any updates thereto, and any other terms agreed to in writing by the parties or by way of your use of the Site, the App, or the Services shall constitute the entire and exclusive understanding and agreement between you and us regarding this subject matter, and shall supersede any and all prior or contemporaneous representations or understandings relating to this subject matter. In the event that any part of these Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect. Upon termination of these Terms, any provision which, by its nature or express terms should survive, will survive such termination or expiration. The failure of us to exercise or enforce any right or provision of these Terms, including any failure to act with respect to a breach, will not constitute a waiver of such right or our right to act with respect to subsequent or similar breaches.
    6. Headings. The headings of sections and paragraphs in these Terms are for convenience only and shall not affect interpretation.
    7. Independent Contractors. The parties intend that an independent contractor relationship will be created by these Terms, and that no additional partnership, joint venture, employee, employer, or other relationship is intended. You agree not to hold yourself out as in any way sponsored by, affiliated with, endorsed by, in partnership or venture with, nor as an employee or employer of us, any of our affiliates, or its respective service providers.
    8. Notice. You agree that we may provide you with notices by email to the address you provided at the time of registration or such changed address as you provide to us in your Account Data.
    9. Contact Us. Our contact information is: 1201 K Street, Suite 800, Sacramento, California 95814; email: memberservice@cmadocs.org; phone: (800) 786-4262. You may also contact us by using the contact information at the bottom of each page.