Last Modified: April 2026
Acceptance of Terms
By accessing or using this Website and any related services, including education platforms and the Customer Portal (collectively, the “Website”), you accept and agree to be bound by these Terms of Use (“Terms”), our Privacy Policy, and our Cookie Policy. If you do not agree, do not use the Website. Copic includes Copic Insurance Company and its affiliates, Copic, a Risk Retention Group, and Copic Insurance Agency d/b/a Copic Financial (collectively, “Copic,” “Company,” “we,” “our” or “us”).
Changes to the Terms
We may update these Terms at any time by posting the revised version with an updated “last modified” date. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website after posting constitutes acceptance of the updated Terms.
Reliance on Information Posted
Information presented on or through the Website is provided solely for general information purposes. We do not warrant the accuracy, completeness, usefulness, or applicability of any such information. Nothing on the Website changes, amends, or governs any policy, contract, or agreement and it should not be construed as an interpretation of coverage. You should not rely on this Website as a substitute for professional advice or for the terms or any policy or agreement. Any reliance you place on such information is strictly at your own risk. We disclaim all liability arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website may include links to external Websites provided solely for your convenience. We do not control, endorse, or assume responsibility for the content, products, services, or practices of any third-party sites.
Intellectual Property Rights
The Website, including all text, graphics, logos, icons, images, software, and other materials, and all associated intellectual property rights, are owned by us or our licensors and are protected by law. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and use the Website for your informational or internal business use, and is not for further reproduction, publication, or distribution without prior written permission. You must not modify copies of any materials from this site. Any other use is prohibited. Our names, logos, and trademarks may not be used without our prior written consent.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website in any manner that violates any applicable federal, state, local law or regulation, or otherwise impairs, interferes with, or disrupts the Website or its security. You agree not to attempt to access non-public areas or circumvent access controls.
Information About You and Your Visits to the Website
All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
Customer Portal
To establish Customer Portal access, please email Cu*************@***ic.com. Use of the Customer Portal is subject to these Terms, our Privacy Policy, and our Customer Portal Agreement.
User Contributions on Social Media
Copic shares content on social media for informational purposes only. Our social media aims to share information, inspire discussions, and educate about healthcare. We welcome positive and informative contributions.
This content is not professional advice and should not replace advice from qualified professionals. Links to other Websites are provided for convenience and do not imply endorsement. Copic is not responsible for external content or any terms that apply to those sites.
Users that participate in Copic’s social media or other interactive platforms that allow users to post, submit, publish, display, or transmit to other users (“post”) content or materials must comply with these Terms and all applicable federal, state, local, and international laws and regulations. Users are responsible for their own posts and must ensure they are legal, accurate, and appropriate. Copic is not liable for user content or any resulting damages.
Any post is non-confidential and non-proprietary. By providing any user post, you grant us the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose, including use of your name. You are responsible for your own posts and must ensure they are legal, accurate, and appropriate. Copic is not liable for user content or any resulting damages. Users must follow these guidelines:
- No offensive, illegal, discriminatory, or misleading content.
- Respect intellectual property and other legal rights.
- Avoid sharing personal information.
- Do not impersonate others or misrepresent affiliations.
- No commercial activity or advertising.
By using Copic’s social media, you agree to these terms. Copic may modify terms or restrict access at any time. We cannot review all material before it is posted and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section. Copic reserves the right to manage user access and content as needed, and take any action we deem appropriate in our discretion. We can take action if content violates rights or laws.
Limitation of Liability
To the fullest extent provided by law, in no event will we be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any Websites linked to it, any content on the Website or social media. You will indemnify, defend, and hold harmless Copic from and against all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to your use of the Website, your posts, or your violation of these Terms or applicable law.
The owner of the Website is based in the State of Colorado in the United States, and the Website is for use only by persons located in the United States. Any dispute or claim arising from the Website or related thereto, shall be governed by and construed in accordance with the internal laws of the State of Colorado with jurisdiction exclusively in the courts of the City and County of Denver, Colorado.
