<div class="container_title"><h1>Privacy & Security</h1></div><div class="container_content"> </div><pd4ml-page-break><div class="container_title"><h1>Privacy Policy</h1></div><div class="container_content"><style type="text/css">h2, h3 { font-weight: 900; } h4, h5 { font-weight: 700; } u { font-weight: 700; } </style> <h2 style="font-weight: 900;">Privacy Policy</h2> <p>(Effective Date: December 2, 2024)</p> <p>The Physicians for a Healthy California (“<strong>PHC</strong>”, “<strong>we</strong>”, “<strong>us</strong>” or “<strong>our</strong>”) respects the privacy of our website visitors, users, customers, and members (referred to as “<strong>you</strong>” or “<strong>your</strong>”). This privacy policy (as posted on our websites and as amended from time to time and effective as of the date posted) (“<strong>Privacy Policy</strong>”) describes the types of information we may collect from you or that you may provide when you visit or use any websites where this Privacy Policy appears, or any websites owned by CMA or its affiliates, or subsidiaries, (collectively, “<strong>Site</strong>”), use any mobile app owned or controlled by us where this Privacy Policy appears (“<strong>App</strong>”), or use or access any of our content, products, services, information, or resources (collectively, “<strong>Services</strong>”), and our practices for collecting, using, processing, maintaining, protecting, and disclosing that information. This Privacy Policy applies to the data collected by us, or those working on our behalf, through information you enter or from the data we import from authorized and approved sources. It does not apply to data collected through other websites, products, or services not approved by us. </p> <h5>Our Privacy Policy describes: </h5> <ul class="cma-list"> <li>How and why we collect your Personal Information; </li> <li>How your Personal Information is used and protected; </li> <li>When and with whom we share your Personal Information; and </li> <li>What choices you can make about how we collect, use, and share your Personal Information. </li> <li>How we store, use, transfer, and retain your Personal Information. </li> </ul> <p>If you are a resident or subject to data privacy laws or regulations of a country outside of the United States, please see the additional provisions at the end of this Privacy Policy. Below in this section are some of the highlights of the Privacy Policy. Please read this entire document for a full description of our policies. </p> <h3>Highlights of our Privacy Policy </h3> <h4>Personal Information</h4> <p>We collect your Personal Information for various purposes, such as, but not limited to, corresponding with you, informing you about your account, security updates and product information, processing your participation or membership application, providing you with Services, processing your order, providing you with a subscription, and other purposes. </p> <p>We may combine the information we collect from you with information obtained from other sources to help us improve its overall accuracy and completeness, and to help us improve our business and better tailor our interactions with you. We may also collect information relating to your use of our Site, App, or Services through the use of various technologies, including cookies. </p> <p>For Mobile App Users: Pinxter, a Virginia corporation, d/b/a Clowder (“Clowder”) provides to CMA a software application that we use as part of our Services. If you visit or use our Clowder branded application, Clowder may, on our behalf, collect and use Personal Information about you. Clowder only uses this information according to our instructions and direction.</p> <h4>Overview of Uses of Your Data</h4> <ul class="cma-list"> <li>To create a user account. </li> <li>To fulfill your requests by us or by others involved in fulfillment. </li> <li>To contact you for customer satisfaction and general surveys, market research or in connection with certain transactions. </li> <li>To support products or services you have obtained from us. </li> <li>To share with our service providers who provide services to us in support of our business. </li> <li>To personalize your experience while you are on our Site or App, make navigation easier, and for Site or App usage statistics. </li> <li>By us and selected organizations for marketing purposes if you have permitted such use. </li> </ul> <h4>Your Choices</h4> <ul class="cma-list"> <li>When we collect information from you, you may tell us that you do not want it used for further marketing contact. </li> <li>You may also turn off cookies in your browser. </li> <li>You can view or edit your Personal Information online or contact us to do so. </li> <li>You can also opt out from receiving certain communications from us by visiting your online profile page. </li> </ul> <h4>Contacting Us</h4> <p>You may <a href="/contact"><strong>contact us</strong></a> using the Contact Information provided at the end of this Privacy Policy. </p> <h4>Acknowledgement and Consent</h4> <p>By using or accessing our Site, App, or Services in any manner, you acknowledge that you accept the practices and policies described in this Privacy Policy (and as updated from time to time), and you hereby consent that we may collect, use, and share your information as described herein. If you do not agree with our policies and practices, your choice is to stop accessing our Site, App, and Services. Your use of our Site, App, and Services is at all times subject to our Terms of Use (available at <a href="/terms"><strong>www.cmadocs.org/terms</strong></a>, and as amended from time to time and effective as of the date posted (the “Terms”)), which incorporates this Privacy Policy. Any capitalized terms we use in this Privacy Policy without defining them have the definitions given to them in the Terms. </p> <hr> <h3>Details of our Privacy Policy </h3> <h4>What Does This Privacy Policy Cover? </h4> <p>This Privacy Policy covers our treatment of your personal information. “<strong>Personal Information</strong>” generally refers to any unencrypted or non-deidentified information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular person. However, the definition of Personal Information may vary depending on the state or country in which you reside, and that state’s or country’s definition will apply to your Personal Information in the context of this Privacy Policy. Please see additional information below on the particular information we may collect</p> <p>Personal Information does not include your personally identifiable information that has been deidentified, pseudonymized, anonymized, aggregated and/or otherwise processed so as to be unidentifiable (i) in such a way that the data can no longer be attributed to a specific individual, or (ii) in such a way that the data can no longer be attributed to a specific individual (by reasonable means) without the use of additional information, and where such additional information is kept separate and under adequate security to prevent unauthorized re-identification of a specific individual such that one could not, using reasonable efforts, link such information back to a specific individual (“De-Identified Personal Information”). </p> <p>This Privacy Policy applies to information we collect: </p> <ul class="cma-list"> <li>In email, text, or other electronic messages between you and us. </li> <li>When and where available, through mobile and desktop applications, which provide dedicated non-browser-based interaction between you and us. </li> <li>If you interact with our advertising and applications on third-party websites, apps, or services, if those applications or advertising include links to this Privacy Policy. </li> </ul> <p>We may also collect Personal Information from you through means other than our Site or App. This may include the Medical Board of California, your local medical society, our affiliated entities, subsidiaries, contracted vendors, and affinity partners, or when you call or visit our office. It may also include emails that you send to us separate from our Site or App. If we combine the Personal Information we collect from you outside of our Site or App with Personal Information that is collected through our Site or App, the Privacy Policy will apply to the combined information, unless specifically disclosed otherwise. </p> <p>We may receive Personal Information about you from other sources. For example, if you are applying for membership or employment, certain programs (e.g., opportunities we or our affiliate makes available to medical students, residents, and residency programs) (“<strong>Programs</strong>”), or using our Services, whether via our Site, App, or offline, we may obtain information from third parties about your prior membership, participation, licensing, accreditation, certification, professional, and employment history, among other information, as part of the application process. However, we may combine the information received from these other sources with Personal Information collected through our Site or App. In those cases, this Privacy Policy applies to the combined information, unless specifically disclosed otherwise. </p> <p>Other than as stated herein, this Privacy Policy does not apply to Personal Information collected by any third party including through any application content, or advertising that may link to or be accessible from or on our Site or App. </p> <p>We are not responsible for the practices of websites linked to or from the Services, and before interacting with any of these websites, you are advised to review their rules and policies before providing them with any private information. </p> <h5>Individuals under the Age of 18 </h5> <p>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, solicit, or maintain Personal Information from anyone under the age of 18 or knowingly allow such persons to register for our Services. If you are under 18, please do not send any Personal Information about yourself (such as your name, address, telephone number, or email address) to us. No one under age 18 is allowed to provide any Personal Information to or on the Services. In the event that we learn that we have collected Personal Information from a child under age 18 without verification of parental consent, we will use commercially reasonable efforts to delete that information from our database. Please contact us if you have any concerns. </p> <h5>Changes to Our Privacy Policy </h5> <p>We’re constantly working to improve our Site, App, and Services, so we may need to change this Privacy Policy from time to time as well. Our current Privacy Policy 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 this Privacy Policy 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 Certain parts of our Site and App may require you to acknowledge your consent via a pop-up message and click-through box before you can proceed to that particular portion of the Site or App. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to the new Privacy Policy including all of the changes. Use of Personal Information we collect now is subject to the Privacy Policy in effect at the time such information is collected. </p> <h4>Information We Collect About You and How We Collect It </h4> <p>We may collect several categories of Personal Information from and about you as summarized in the following table:</p> <table class="table"> <thead> <tr> <th> <h5><strong>Category</strong></h5> </th> <th> <h5><strong>Specific Items of Personal Information</strong></h5> </th> </tr> </thead> <tbody> <tr> <td> <p><strong>Identifiers</strong></p> </td> <td> <ul class="cma-list"> <li>first and last name</li> <li>user name (which may include first and last name)</li> <li>email address</li> <li>postal address</li> <li>zip code</li> <li>unique personal identifier, e.g.:</li> <li>customer/account/user name or number</li> <li>phone number, fax number</li> <li>mobile device identifier</li> <li>social security number</li> <li>image and likeness</li> </ul> </td> </tr> <tr> <td> <p><strong>Demographic</strong></p> </td> <td> <ul class="cma-list"> <li>birth date, national origin, country of residence</li> </ul> </td> </tr> <tr> <td> <p><strong>Characteristics of protected classifications under California or federal law</strong></p> </td> <td> <ul class="cma-list"> <li>color, sex (i.e., male/female/nonbinary), gender, gender identity and expression, age, disability, political opinions</li> <li>racial or ethnic origin</li> <li>gender</li> <li> </li> </ul> </td> </tr> <tr> <td> <p><strong>Commercial information</strong></p> </td> <td> <ul class="cma-list"> <li>personal property records</li> <li>products/services purchasing history and tendencies</li> <li>donation history</li> </ul> </td> </tr> <tr> <td> <p><strong>Internet or other electronic network activity; device information</strong></p> </td> <td> <ul class="cma-list"> <li>type and manufacturer of device and its ID/UDID or similar device-specific code</li> <li>operating system fingerprinting data</li> <li>Internet service provider connection speed, and connection type</li> <li>browsing, session, interaction, and search history related to our Website</li> <li>cookies</li> <li>pixel tags</li> <li>browser type, language, and version</li> <li>screen resolution</li> <li>domain name system requests</li> <li>material and pages viewed</li> <li>time and date of access to our Website</li> <li>number of bytes transferred</li> <li>number of clicks per visit</li> <li>date stamp and URL of the last webpage visited before visiting our Website, and URL of the first page visited after leaving our Website</li> <li>pages viewed, time spent on a page, click-through and clickstream data, queries made, search results selected, comments made</li> </ul> </td> </tr> <tr> <td> <p><strong>Geolocation</strong></p> </td> <td> <ul class="cma-list"> <li>physical location at a given moment in time or movements</li> <li>precise geolocation</li> </ul> </td> </tr> <tr> <td> <p><strong>Sensory information</strong></p> </td> <td> <ul class="cma-list"> <li>voice and/or video recording</li> <li>audio, electronic, visual, thermal, olfactory, or similar information</li> <li>fingerprint</li> </ul> </td> </tr> <tr> <td> <p><strong>Professional or employment information</strong></p> </td> <td> <ul class="cma-list"> <li>email address that identifies a person; e.g., jane.r.smith@website.com (versus jrs@website.com)</li> <li>employer, employment status and history, information from professional references, work experience</li> </ul> </td> </tr> <tr> <td> <p><strong>Inferences drawn from any of the above to create a profile of a consumer</strong></p> </td> <td> <ul class="cma-list"> <li>a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes</li> </ul> </td> </tr> <tr> <td> <p><strong>Education information that is not publicly available personally identifiable information (pursuant to FERPA)</strong></p> </td> <td> <ul class="cma-list"> <li>education records directly related to a student maintained by an educational institution or party acting on its behalf, e.g., school name, grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records</li> </ul> </td> </tr> <tr> <td> <p><strong>Other information</strong></p> </td> <td> <ul class="cma-list"> <li>hand-signed signatures</li> <li>physical characteristics or descriptions</li> <li>insurance policy numbers</li> <li>bank account numbers</li> <li>other financial account information</li> <li>health insurance information</li> </ul> </td> </tr> </tbody> </table> <p>For registered users with participant-only or Members-Only Access, Personal Information also includes information provided to us by you or your county medical society as part of the membership or participation application or renewal process, or by the Medical Board of California, including your demographic information (such as education, specialty, mode of practice, and similar information).</p> <p>Some information we collect may be considered “sensitive” under privacy laws. Sensitive information that is publicly available is not considered sensitive information or Personal Information. We collect sensitive information with your explicit consent where required by law.</p> <h4><strong>How We Collect Personal Information and from What Sources</strong></h4> <h5>We collect:</h5> <ul class="cma-list"> <li>Information that you provide by filling in webforms on our Website. This includes information provided when creating an online account, purchasing or using our Products or Services, subscribing to our e-newsletters or other communications, requesting information from us, submitting or posting material (where permitted) on our forums, or interacting with customer support or service, report a problem with our Website, Products, or Services, or otherwise communicating with us.</li> <li>Membership application information</li> <li>Records and copies of your correspondence (including email addresses), if you contact us</li> <li>Registration for an event</li> <li>Your responses to surveys that we or our Service Providers might ask you to complete for participation or research purposes</li> <li>Your search queries on the Website</li> <li>Information collected in stores (parent, subsidiary, and affiliate brands)</li> <li>Information collected when communicating with customer service/support</li> <li>Information collected through participation in loyalty/rewards programs</li> <li>Information collected through third-party websites and mobile applications (e.g., websites that share information with us or advertising partners regarding online activities)</li> <li>Information collected on Mobile Apps (parent, subsidiary, and affiliate brands)</li> <li>Information from <ul> <li>data suppliers (e.g., companies that provide demographics and other information regarding consumers)</li> <li>joint marketing partners</li> <li>online advertising companies</li> <li>mailing list providers</li> <li>fulfillment and delivery service providers</li> <li>social media companies</li> <li>other Service Providers</li> </ul> </li> <li>Information collected when responding to employment opportunities</li> <li>Information collected from applying to become a certified or approved partner, reseller, etc.</li> <li>Information collected when making a donation via our Website or offline (e.g., telephone)</li> </ul> <p><u>Job Posting Portal</u>. Our “Physicians Career Center” Site 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.</p> <p><strong><u>Membership Directory Content</u></strong><strong>.</strong> In addition to data collected by us, members may update or supplement data provided in our membership directory. The membership directory is available online to all members. We permit members to upload and share user-generated content, such as photographs and resumes, with other members. We expect our members to respect the intellectual property rights and data privacy rights of others at all times. Our membership directory area is provided as a service to members to foster information exchange. The use of the data in the membership directory for any commercial purposes by you is expressly forbidden. If you feel that your information in the membership directory has been used inappropriately, please contact us.</p> <p><u>Information We Collect Through Automatic Data Collection Technologies</u>. As you navigate through and interact with our Site or App, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including: </p> <ul class="cma-list"> <li>Details of your activity on our Site or App, including, but not limited to, traffic data, geolocation data, logs and other communication data and the resources that you access and use on the Site or App. </li> <li>Information about your computer and internet connection, including your IP address, operating system, browser type, clickstream patterns, the URL of the most recent website you visited before coming to our Site or using our App, the amount of time you spent on our Site or App, and the pages you viewed while on our Site or App. </li> </ul> <p>We also may use these technologies to collect information about your online activities over time and across third-party websites, apps, or other online services (behavioral tracking). More information is available <a href="http://www.networkadvertising.org/managing/opt_out.asp"><strong>here</strong></a> on how to opt-out of third-party advertiser tracking mechanisms. </p> <p>The information we collect automatically is statistical data and may include Personal Information, but we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. Such information helps us to improve our Services and products and to deliver a better and more personalized service, including, but not limited to, by enabling us to: </p> <ul class="cma-list"> <li>Estimate our audience size and usage patterns. </li> <li>Store information about your preferences, allowing us to customize and improve our Site or App. </li> <li>Speed up your searches. </li> <li>Recognize you when you return to our Site or App. </li> </ul> <p><strong><u>Behavioral Tracking</u></strong>. We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services, or associate Personal Information with other information collected in this manner.</p> <p><strong><u>Location Analytics</u></strong>. We may use our or a third party’s mobile App which may include functionality which, in certain cases, allows our attendees to identify their location at the event. App users choose to use the app anonymously or to login as an identified user, in which case the Personal Information provided upon registration may be used. Information such as IP address, device ID and location may be gathered.</p> <h4>Cookie Policy</h4> <p>The technologies we use for automatic data collection may include cookies, flash cookies, web beacons, pixel tracking, GIF, and/or IP address. Each of these is discussed below. </p> <p><u>Browser Cookies</u>. A cookie is a small file placed on the hard drive of your computer or mobile device. It may contain certain data, including, but not limited to: the name of the server that has placed it there, an identifier in the form of a unique number, and, an expiration date (some cookies only). Cookies are managed by the web browser on your computer (Internet Explorer, Firefox, Safari, or Google Chrome). </p> <p>Different types of cookies which have different purposes are used on our Site and App. </p> <p><u>Essential Cookies</u>. These cookies are essential to allow you to use the functions of our Site and App. Without them, services such as shopping baskets and electronic invoicing would not be able to work. </p> <p><u>Performance Cookies</u>. These cookies collect information on the use of our Site or App, such as which pages are consulted most often. This information enables us to optimize our Site and App and simplify browsing. Performance cookies also enable our affiliates and partners to find out whether you have accessed one of our Site or Apps from their site and whether your visit has led to the use or purchase of a product or Service from our Site or App, including the references for the product or Service purchased. These cookies do not collect any information which could be used to identify you. All the information collected is aggregated, and therefore anonymous. </p> <p><u>Functionality Cookies</u>. These cookies enable our Site or App to remember the choices you have made when browsing. For example, we can store your geographical location in a cookie so that the Site or App corresponding to your area is shown. We can also remember your preferences, such as the text size, font, and other customizable aspects of the Site or App. Functionality cookies may also be able to keep track of the products or videos consulted to avoid repetition. The information collected by these cookies cannot be used to identify you and cannot monitor your browsing activity on sites which do not belong to us. </p> <p>It is possible that you will comes across third-party cookies on some pages of sites that are not under our control. </p> <p>You may refuse to accept browser cookies by activating the appropriate setting in your browser. However, if you select this setting you may be unable to access certain parts of our Site or App. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site or App. </p> <p>We also use cookies to implement tracking technology on our Site or App. This allows us to display advertising that is tailored to you on our Site or App, which parts of our content interest you the most, and which Service categories you request. This tracking uses Personal Information data. At any time, you can prevent the use of cookies like this in the future. To do so, you may activate the appropriate setting in your browser to refuse to accept browser cookies. However, if you do, your experience on our Site or App may be impacted. Some of our contracted vendors and affinity partners are allowed to place cookies on our Site or App. Those entities may also provide you with the option of preventing the use of cookies in the future. For more information, contact the relevant third-party provider. </p> <p><u>Local Storage Cookies</u>. Certain features of our Site may use local stored objects to collect and store information about your preferences and navigation to, from, and on our Site. Local storage cookies are not managed by the same browser settings as are used for browser cookies.</p> <p><u>Flash Cookies</u>. Certain features of our Site or App may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site or App. Flash cookies are not managed by the same browser settings as are used for browser cookies. </p> <p><u>Web Beacons</u>. Pages of our Site and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website or app statistics (for example, recording the popularity of certain website or app content and verifying system and server integrity). </p> <p><u>Pixel Tracking</u>. In addition to using Cookies, the Site may employ “pixel tracking”, a common process which may be used in connection with advertisements on other sites. Pixel tracking involves the use of pixel tags that are not visible to the user and consist of a few lines of computer code. Pixel tracking measures the effectiveness of advertisements and compiles aggregate and specific usage statistics. A “pixel tag” is an invisible tag placed on certain pages of websites that is used to track an individual user’s activity. We may access these pixel tags to identify activity and interests that may allow us to better match our goods, services, and other offers with your interests and needs. For example, if you visit our Site from an advertisement on another website, the pixel tag will allow the advertiser to track that its advertisement brought you to the Site. If you visit our Site, and we link you to another website, we may also be able to determine that you were sent to and/or transacted with a third-party website. This data is collected for use in our marketing and research. </p> <p><strong><u>Meta Pixel</u>. </strong>We incorporate “pixels” provided by Meta Platforms, Inc. on our Site. This enables us to track user behavior after a user clicks on a Facebook ad and is redirected to our website. By doing so, we can assess the effectiveness of Facebook ads for statistical and market research purposes and sometimes retarget certain users. Please note that the data collected through this process remains anonymous to us, meaning we do not have access to personal information of individual users. However, Facebook stores and processes this data. Therefore, we are providing you with this information based on our current understanding. It is important to be aware that Facebook may associate this information with your Facebook account and utilize it for its own promotional activities, in accordance with Facebook’s Data Usage Policy available <a href="https://www.facebook.com/privacy/policy/?entry_point=data_policy_redirect&entry=0"><strong>here</strong></a>. You have the option to authorize Facebook and its partners to display advertisements on and off Facebook (see <a href="https://www.facebook.com/settings/?tab=adshttps://bit.ly/3qj4voa"><strong>here</strong></a>). Additionally, a cookie may be stored on your computer for these purposes.</p> <p><u>GIF</u>. We may use tiny images known as clear GIFs to track behavior of users, including statistics on who opens our emails. </p> <p><u>IP Address</u>. Our servers automatically record certain log file information reported from your browser when you access the Services. These server logs may include information such as which pages of the Service you visited, your internet protocol (“IP”) address, browser type, and other information on how you interact with the Services. These log files are generally deleted periodically. </p> <h4>Third-Party Use of Cookies and Other Tracking Technologies </h4> <p>Some content or applications, including advertisements, on the Site or App are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Site or App. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. </p> <p>We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. </p> <h4>Google</h4> <p><strong><u>Google Analytics</u></strong>. We use, and some of our third-party service providers may use, Google Analytics or other analytics service to help us understand use of our Services. Such service providers may place their own cookies in your browser. This Privacy Policy covers use of cookies by us only and not the use of cookies by third parties. </p> <p>We, along with third-party vendors such as Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our Site or App. </p> <p><strong><u>Google reCAPTCHA</u></strong>. We use Google reCAPTCHA, which identifies bots by collecting hardware and software information and sending that data to Google for analysis. More about Google reCAPTCHA is available <a href="https://www.google.com/recaptcha/intro/invisible.html"><strong>here</strong></a>.</p> <p><strong><u>Google Maps</u></strong><strong>.</strong> We also use Google Maps, which may, among other things, request access to your geolocation. </p> <p>Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page <a href="https://optout.networkadvertising.org/?c=1"><strong>here</strong></a> or by using the Google Analytics Opt Out Browser add on. </p> <p><strong><u>Posted Content</u>.</strong> You also may provide information to be published or displayed (hereinafter, “<strong>posted</strong>”) on the members-Only, participant only, or public areas of the Site or App, or transmitted to other users of the Site, App, or third parties (collectively, “<strong>Content</strong>”). All Content posted is governed by our Terms of Use and Content Guidelines. Your Content is posted and transmitted to others at your own risk. We cannot control the actions of other users of the Site or App with whom you may choose to share your Content. Therefore, we cannot and do not guarantee that your Content will not be viewed by unauthorized persons. You agree to and do hereby grant us a royalty-free, sublicensable, transferable, perpetual, irrevocable, non-exclusive, and worldwide right to Use, modify, and perform any User Content you post to our Site, App, or that you submit for posting. The term “Use” includes, but is not limited to, use, reproduce, modify, publish, list information regarding, edit, delete, translate, distribute, publicly display, publicly perform, and make derivative works of the content. This right to Use you grant us also extends to any content we may post on our Site or App that you have posted at other Sites or Apps, e.g., Google. </p> <h4>How We Use Your Information </h4> <p>We use information that we collect about you or that you provide to us, including any Personal Information: </p> <ul class="cma-list"> <li>To present our Site or App and its contents to you. </li> <li>To provide you with information on products or services that you request from us. </li> <li>To provide you with Services or process transactions that you have requested. </li> <li>To provide you with notices about your account, including expiration and renewal notices. </li> <li>To communicate with you regarding information, features, or offers that we believe will be of interest to you. </li> <li>To respond to your questions or other requests. </li> <li>To contact you with regard to the Site or App. </li> <li>To process any applications, changes to your account information, or process payments from you (including, but not limited to, membership dues, participation subscriptions, subscriptions, registration fees, voluntary contributions, examination fees, credential and designation fees, and payments, refunds and reimbursements for any products or services that you choose to purchase from us). </li> <li>To verify your identity.</li> <li>To process other information or Personal Information that you submit through this Site or App. </li> <li>To notify you about changes to our Site or App, our policies, terms, or any products or services we offer or provide though it. </li> <li>To allow you to participate in interactive features on our Site or App. </li> <li>To provide access to restricted parts of our Site or App. </li> <li>To ask for ratings and reviews of our Site or App, Services, and/or products. </li> <li>To contact you regarding a sweepstakes, contest, or promotion in which you have participated. </li> <li>To request your participation in surveys, focus groups, or other initiatives which help us to gather information used to develop and enhance our products and Services. </li> <li>To determine eligibility for participation, membership, credentials, designations, or volunteer opportunities. </li> <li>To evaluate your performance on continued learning courses and assist you in the tracking of your progress. </li> <li>For examination scheduling, administration, and registration purposes. </li> <li>To serve relevant information to you when you visit our Site or App or other third-party sites (including social media platforms). </li> <li>To enhance, personalize, and improve our products and Services, for example, by performing internal research, analyzing user trends and measuring demographics and interests. </li> <li>Internal purposes, such as Site or App and system administration or internal audits and reviews. </li> <li>To comply with applicable law(s) (for example, to comply with a search warrant, subpoena or court order) or to carry out professional ethics/conduct investigations.</li> <li>For analyzing how the Services are used, diagnosing service or technical problems, maintaining security, and personalizing content. </li> <li>To operate, maintain, and provide to you the features and functionality of the Services. </li> <li>To provide statistics about the usage levels of the Site or App and other related information to reputable third parties, but these statistics will not include information which will allow you to be identified. </li> <li>To develop and train artificial intelligence (AI) and/or machine learning models, develop, provide, and personalize our Products and Services, and gain insights with the help of AI, automated systems, and inferences, so that our Products and Services can be more relevant and useful to you and others.</li> <li>To fulfill any other purpose for which you provide it. </li> <li>In any other way we may describe when you provide the information. </li> </ul> <p>We also may disclose Personal Information to outside companies that help us bring you the products, Services, information, and resources we offer. For example, we may work with an outside company to: (a) manage a database of customer information; (b) assist us in distributing e-mails; (c) assist us with direct marketing and data collection; (d) provide us storage and analysis; (e) provide fraud prevention; and, (f) other services designed to assist us in maximizing our business potential. We require that these outside companies agree to keep confidential all information we share with them and to use the information only to perform their obligations in the agreements. </p> <p>We may disclose your Personal Information to business affiliates, subsidiaries, or affinity partners who may offer you products, services, information, or resources that we believe may be of benefit or interest to you. </p> <p>For registered users with members Only access: We share your Personal Information with your corresponding county medical society as part of and to facilitate your dual membership with that entity and us. We may also share your Personal Information, individually, categorically, or as part of our membership list or participation list, with its business affiliates, subsidiaries or affinity partners. </p> <p>De-Identified Personal Information is aggregated for system administration and to monitor usage of the Site or App. It is utilized to measure the number of visits to our Site or App, average time spent, number of pages viewed and to monitor various other Site or App statistics. This monitoring helps us evaluate how visitors use and navigate our Site or App so we can improve the content. </p> <p>We use cookies, clear gifs, and log file information to: (a) remember information so that you will not have to re-enter it during your visit or the next time you visit the Site or App; (b) provide custom, personalized content and information; (c) monitor the effectiveness of our Service; (d) monitor aggregate metrics such as total number of visitors, traffic, and demographic patterns; (e) diagnose or fix technology problems reported by our users or engineers that are associated with certain IP addresses; and, (f) help you efficiently access your information after you sign in. </p> <p>We may also use your Personal Information to contact you about our own and third-parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please either check the relevant box located on the form on which we collect your data or adjust your user preferences in your online account profile. We may use your Personal Information you provide to us and which we obtain from other sources to better understand your interests so we can try to predict what other products, services and information you might be most interested in. This practice is called “profiling” and involves making automated decisions about you based on this information in order to better enable us to tailor our interactions with you to make them more relevant and interesting. You may object to such profiling at any time by contacting us (see Contact Information/User Rights below). We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria. </p> <h4>Text Messages</h4> <p>Our Services may include sending you Short Message Service (“<strong>SMS</strong>”) messages as described in this section, to which you hereby consent. Message frequency may vary. Additionally, we may also contact you by SMS messages with billing and payment reminders, surveys, informational, and service-related communications, including important security updates, Site updates, conduct surveys, or informational or service-related communications, including important security updates as well as for marketing. You may request us to stop sending text messages by replying “STOP” to the SMS text message you received. After you send the SMS message “STOP” to us, we will send you a SMS message to confirm that you have been unsubscribed. Alternatively, you may submit your request by email to us, including the email address and phone number you registered with us, or by any reasonable means. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. For help, please reply to a text with HELP. Message and data rates may apply, depending on your cell phone plan. Carriers are not liable for delayed or undelivered messages.</p> <h4>Social Media Plugins </h4> <p>We may integrate social media application program interfaces or plug-ins (Plug-ins) from social networks, including, but not limited to, Facebook, LinkedIn, Twitter, Instagram, Tumblr, Pinterest and/or possibly other companies, into the Site or the App. </p> <p>For example, when you visit our Site, the plugin creates a direct connection between your browser and the Facebook server. This allows Facebook to receive information about your visit to our Site with your IP address. If you click the Facebook “Like” button while you are logged on to your Facebook account, you can link the contents of our Site to your Facebook profile. This allows Facebook to assign your visit to our Site to your user account. Please note that as provider of the Site, we receive no notification about the contents of the transmitted data or their use by Facebook. If you do not want Facebook to assign your visit to our Site to your Facebook user account, please log out of your Facebook user account. </p> <p>If you do so, you authorize us to access certain SMS account information, such as your public SMS profile (consistent with your privacy settings in SMS), your email address, interests, likes, gender, birthday, education history, relationships, interests, current city, photos, personal description, friend list, and information about and photos of your SMS friends who might be common SMS friends with other users. Plug-ins may transfer information about you to the Plug-in’s respective platform without action by you. This information may include your platform user identification number, which website you are on, and more. Interacting with a Plug-in will transmit information directly to that Plug-in’s social network and that information may be visible by others on that platform. Plug-ins are controlled by the respective platform’s privacy policy, and not by our Privacy Policy. You can find the privacy policy for a platform on their website. </p> <h4>How We Share Your Information </h4> <p>We will never rent or sell your Personal Information to third parties, other than as noted below under the section titled “Disclosure/Assignment of Your Personal Information”. We may share your Personal Information with third parties for the purpose of providing or improving the Services to you. We may share your Personal Information with third parties who perform services on our behalf or on behalf of one of our subsidiaries, affiliates, affinity partners, or contracted vendors. This includes, without limitation, third parties that send communications, process payments, analyze data, provide marketing assistance, or create, host, and/or provide customer service on our behalf. These third parties may have access to Personal Information in order to provide these services to us or on our behalf. If we do this, such third parties’ use of your Personal Information will be bound by obligations of confidentiality. We may store Personal Information in locations outside our direct control (for instance, on servers or databases located or co-located with hosting providers). Any Personal Information or content that you voluntarily disclose for posting to the Site or App may, if posted, become available to the public, as controlled by any applicable privacy or website customization settings. To change your privacy settings on the Site or App, you may visit the account settings page. If you remove information that you posted to the Site or App, copies may remain viewable in archived versions of the Site or App, or if other users have copied or saved that information. </p> <h4>Events</h4> <p>From time to time, we may run contests, special offers, or other events or activities (“Events”) on the Site or App together with a third-party vendor. If you provide information to such third parties, you give them permission to use it for the purpose of that Event and any other use to which you consent. We cannot control third parties’ use of your information. If you do not want your information to be collected by or shared with a third party, you can choose not to participate in these Events. </p> <p>We may disclose your Personal Information if required to do so by law, court order, legal process, or subpoena, including to respond to any government or regulatory request, or if we believe that such action is necessary to (a) conform to the law, comply with legal process served on us or our affiliates, subsidiaries, component medical societies, contracted vendors, or affinity partners, or investigate, prevent, or take action regarding suspected or actual illegal activities; (b) to enforce our Terms (including for billing and collection purposes), take precautions against liability, to investigate and defend ourselves against any third-party claims or allegations, to assist government enforcement agencies, or to protect the security or integrity of our Site and App; or, (c) to exercise or protect the rights, property, or personal safety of us, our users or others. </p> <p>It is likely that the identity and categories of such third parties will change during the life of your account but, depending on your use of the Site or App, it is anticipated that your Personal Information will be disclosed to the categories of third-party service providers listed below who perform functions on our behalf. We require that our third-party service providers only use your Personal Information as necessary to provide the requested services to us and each service provider is subject to a set of terms consistent with this Privacy Policy. </p> <h4>Who We May Disclose Personal Information to and for What Purpose </h4> <h5>We may share your Personal Information with:</h5> <ul class="cma-list"> <li>Your corresponding county medical society as part of and to facilitate your dual membership with that entity and us. </li> <li>We may also share your Personal Information, individually, categorically, or as part of our membership list, with our business affiliates, subsidiaries, contracted vendors, county medical societies, and/or affinity partners. </li> <li>Hosting providers for the secure storage and transmission of your data. </li> <li>Learning technology and online event providers for the delivery and improvement of web events and learning programs and the tracking of your progress. </li> <li>Digital credential providers for the delivery of digital badges earned through your participation in learning programs. </li> <li>Examination providers for the scheduling and delivery of credential and designation examinations. </li> <li>Identity management providers for authentication purposes. </li> <li>Database software providers for the management and tracking of your data. </li> <li>Legal and compliance consultants, such as external counsel, external auditors, or tax consultants. </li> <li>Marketing providers who send communications on our behalf regarding our products and Services. </li> <li>Payment solution providers for the secure processing of payments you provide to us. </li> <li>Publishers and learning providers who develop products on our behalf. </li> <li>Technology providers who assist in the development and management of our Site or App. </li> <li>Outbound call center providers, who may perform outreach on our behalf regarding our products and Services. </li> <li>Fulfillment and postal vendors for the fulfillment of our products and Services. </li> <li>Our volunteers or committee members who perform various functions on our behalf. </li> <li>Survey and research providers who perform studies on our behalf. </li> <li>Advertising partners, including social media providers, for the delivery of targeted advertisements. </li> <li><em>De-Identified Personal Information:</em> We may share De-Identified Personal Information (such as anonymous usage data, referring/exit pages and URLs, IP address, platform types, number of clicks, etc.) with interested third parties to help them understand the usage patterns for certain Services. </li> </ul> <h4>Disclosure/Assignment of Your Personal Information: </h4> <p><strong><u>Required Disclosures</u></strong>. Except as otherwise described in this Privacy Policy, we will not disclose your Personal Information to any third party unless required to do so by law, court order, legal process (e.g., subpoena), including, but not limited to, in order to respond to any government, regulatory, or licensing request, or if we believe that such action is necessary to: (a) comply with the law, comply with legal process served on us or our affiliates, subsidiaries, service providers, or partners, or investigate prevent violation of the law; (b) enforce our Terms or customer agreement (including for billing and collection purposes); (c) take precautions against liability; (d) investigate and defend ourselves against any third-party claims or allegations or to investigate, prevent, or take action regarding suspected or actual illegal activities; (e) assist government enforcement agencies or to meet national or other security requirements; (f) to protect the security or integrity of our Website, Services, and App, or any software we provide related thereto; or, (g) exercise or protect the rights, property, or personal safety of us, our users or others. We will attempt to notify you, where reasonably practicable, about these requests unless: (i) providing notice is prohibited by the legal process itself, by court order we receive, or by applicable law or regulation, or (ii) we believe that providing notice would be futile, ineffective, create a risk of harm to an individual or group, or create or increase a risk of acts of fraud done upon us or our users. In instances where we comply with legal requests without notice for these reasons, we will attempt to notify that user about the request after the fact if we determine in good faith that we are no longer legally prohibited from doing so and that no risk scenarios described in this paragraph apply.</p> <p><strong><u>Consent to Disclosure/Transfer/Assignment of Your Personal Information</u></strong>. You consent (and shall not object) to our disclosure, transfer, assignment, and/or sale of your Personal Information, De-Identified Personal Information, and other information you provide to us, as well as the rights you have granted or consented to in this Privacy Policy (collectively, “<strong>Transferred Information</strong>”) to a potential or actual buyer or acquirer of assets or equity of our company or other successor for the purpose of considering or undergoing a merger, divestiture, restructuring, reorganization, dissolution, change in control, or sale or transfer of some or all of our assets (each of the foregoing referred to as a “<strong>Transfer</strong>”), whether as a going concern or as part of bankruptcy, liquidation, or other court proceeding, in which Personal Information held by us is among the assets transferred. We cannot make any representations regarding the use or transfer of Transferred Information that we may have in the event of our bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. Furthermore, except as required by law, we are not and will not be responsible for any breach of security by any third parties or for any actions of any third parties that receive any of the Transferred Information that is disclosed to us.</p> <h4>Security </h4> <p>We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration and disclosure. </p> <ul class="cma-list"> <li>Your Personal Information is contained behind secured networks and a firewall and is only accessible by a limited number of persons and service providers who have special access rights to such systems and are required to keep the information confidential. </li> <li>Any payment transactions will be performed using our third-party payment processors or gateways, who will use appropriate security procedures designed to protect your information. </li> <li>Our Site and App is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site or App safer. </li> <li>We may store, retrieve, access, and transmit your Personal Information in the US or in other countries. </li> </ul> <p>The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of the Site, App, or Services, you are responsible for keeping this password confidential. You should not share your password with anyone. You must prevent unauthorized access to your account and Personal Information by selecting and protecting your password appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account. The information you share in public areas may be viewed by other users. We’ll never email you to ask for your password or other account information. If you receive such an email, please send it to us so we can investigate. </p> <p>Unfortunately, the transmission of information via the internet is not completely secure. Although we do use security measures designed to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to us or which we obtain. Any transmission of Personal Information is at your own risk. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. We are not responsible for circumvention of any privacy settings or security measures contained on the Site or App or used with our Services. </p> <h4>Data Retention </h4> <p>In general, our retention of Personal Information is reasonably necessary and proportionate to achieve the purposes for which the Personal Information was collected or processed, or for another disclosed purpose that is compatible with the context in which the Personal Information was collected, and not further processed in a manner that is incompatible with those purposes. We will keep your Personal Information for as long as your account is active, or as long as you are a registered subscriber, participant, member, or user of our Services or for as long as we have another business purpose to do so and, thereafter, for no longer than is required or permitted by law, or our records retention policy, reasonably necessary for internal reporting and reconciliation purposes, or to provide you with feedback or information you might request. This period of retention is subject to our review and modification. The information we collect may be stored and processed in servers in the United States and wherever we and our service providers have facilities around the globe. We have the right to purge your information in accordance with our Terms.</p> <h4>What You Can Access, Change, or Delete</h4> <p>We desire to keep you in control of the Personal Information you provide. Accordingly, you can review, correct, change, remove, or restrict the use or sharing of the Personal Information you provide to us. In order to do so, or to elect not to receive future communications from us, please email with your specific request. The information that you can view, update, and delete may change as the Services change. If you have any questions about viewing or updating information we have on file about you, please contact us. </p> <h4>California Online Privacy Protection Act (CalOPPA) </h4> <p>Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask us annually for a notice identifying the categories of Personal Information which we share with our affiliates and/or third parties for marketing purposes and providing contact information for such affiliates and/or third parties with whom the business has shared such information during the immediately preceding calendar year. See more at the CalOPPA website. To obtain information under CalOPPA from us, please contact our member Services Department by using the Contact Us information on the Site, or calling 800-786-4262 Monday through Friday 9 a.m. – 5 p.m. Pacific Time. Please note that not all information sharing is covered by CalOPPA, and we will only include in our response information relating to our sharing practices for covered information. </p> <h5>As required by CalOPPA: </h5> <ul class="cma-list"> <li>Users can visit our Site anonymously by adjusting the settings in your browser. </li> <li>We do not allow personalized third-party behavioral tracking, though we may use De-Identified Personal Information to track users’ click or browsing patterns. </li> </ul> <p>CalOPPA requires us to let you know how we respond to web browser Do Not Track (“<strong>DNT</strong>”) signals. DNT is a privacy preference you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across Sites when you have not interacted with that service on the page. For details, including how to turn on DNT, see <a href="http://www.donottrack.us"><strong>here</strong></a>. Because there currently isn’t an industry or legal standard recognizing or honoring DNT signals, we don’t respond to them at this time. We await the result of work by the privacy community and industry to determine when such a response is appropriate and what form it should take.</p> <h4>Notices; Opting Out </h4> <p>By providing us with your email address (including by “following,” “liking,” linking your account to our Service or other services, etc., on a third-party website, app, or network), you consent to our using the email address to send you Service-related notices, including any notices required by law, in lieu of communication by postal mail. You also agree that we may send you notifications of activity on the Service to the email address you give us, in accordance with any applicable privacy settings. We may use your email address to send you other messages or content, such as, but not limited to, newsletters, additions, or changes to features of the Service, or special offers. If you do not want to receive such email messages, you may opt out by emailing us your opt-out request. Opting out may prevent you from receiving email messages regarding updates, improvements, special features, announcements, or offers. </p> <p>You may not opt out of Service-related emails. You may be able to add, update, or delete information as explained above. When you update information, however, we may maintain a copy of the unrevised information in our records. You may request deletion of your account by emailing us. </p> <h4>Additional Information for Non-US Residents </h4> <p>This Privacy Policy originates and is hosted on a Site located in the United States, which has different data protection laws from those of other nations, and particularly member nations in the European Union. Due to differing laws and legal practice, be aware that law enforcement agencies in the United States may have access to your Personal Information. </p> <p>If you are located in the European Economic Area or other regions with laws governing data collection and use that may differ from the laws in the United States, please note that we may transfer your information to a country or jurisdiction that does not have the same data protection laws as your jurisdiction. If required by applicable law, we will seek your explicit consent to process your Personal Information collected on you or volunteered by you on our Site or App.</p> <h4>Contact Information </h4> <p>To ask questions or comment about this Privacy Policy or our privacy practices, or for any other purposes, please contact our member Services Department by emailing us using the information available on our <a href="https://www.cmadocs.org/contact"><strong>Contact Us</strong></a> website page, or calling us at (800) 786-4262, Monday through Friday 9 a.m. – 5 p.m. Pacific Time. </p> </div><pd4ml-page-break><div class="container_title"><h1>Terms of Service</h1></div><div class="container_content"><style type="text/css">h2, h3 { font-weight: 900; } h4, h5 { font-weight: 700; } u { font-weight: 700; } ol li { margin-top: 15.0px; font-weight: 700; text-transform: uppercase; } ol li ol li { font-weight: 500; text-transform: none; } li strong { text-transform: uppercase; } </style> <h2>Online Terms and Conditions of Use</h2> <p>Last Updated: December 2, 2024</p> <ol> <li style="list-style-type: decimal;">Introduction <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">These Online Terms of Service apply to any website (“<strong>Site</strong>”) or app (“<strong>App</strong>”) where these Terms appear, or any Site or App owned by the California Medical Association and its affiliates and subsidiaries (collectively, “CMA”, “<strong>we</strong>”, “<strong>us</strong>” or “<strong>our</strong>”) where we provide content, products, services, information, and/or resources (collectively, the “<strong>Services</strong>”).</li> <li style="list-style-type: inherit;">Your use of our Site, the App, and our Services is governed by these <a href="/s_viewpolicies.jsp?companyid=@companyid@&policylang=@lang@&isexternal=1&policyid=0&isother=1&policy=2&policycountry=0"><strong>Online Terms of Service</strong></a>, which includes our <a href="/s_viewpolicies.jsp?companyid=@companyid@&policylang=@lang@&isexternal=1&policyid=0&isother=1&policy=1&policycountry=0"><strong>Privacy Policy</strong></a> (“Privacy Policy”), our <a href="https://www.cmadocs.org/forum-guidelines"><strong>Content Guidelines</strong></a>, and our <a href="https://www.cmadocs.org/refund-policy"><strong>Refund Policy</strong></a> (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 “<strong>Terms</strong>”). 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 (“<strong>Third Party Contractors</strong>”).</li> <li style="list-style-type: inherit;"><strong>IMPORTANT – PLEASE READ CAREFULLY. </strong>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.</li> </ol> </li> <li style="list-style-type: decimal;">Changes to the Terms <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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,</li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">Privacy <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">We will maintain and use your information according to our Privacy Policy.</li> <li style="list-style-type: inherit;"><strong>Use By Minors; Parental/Guardian Consent. </strong>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.</li> </ol> </li> <li style="list-style-type: decimal;">Registration; Account Use <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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, “<strong>Account Data</strong>”). The Account Data may contain personally identifiable information from you (such information, as well as your Account Data, is collectively referred to as “<strong>Personal Information</strong>”, 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. </li> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">WE CANNOT AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE TERMS. </li> <li style="list-style-type: inherit;">Refunds for membership dues are governed by our Refund Policy.</li> </ol> </li> <li style="list-style-type: decimal;">Our Services <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;"><strong>License to CMA Content. </strong>As part of our Services, we provide access to information, content, and other resources (collectively, “<strong>CMA Content</strong>”). 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.</li> <li style="list-style-type: inherit;"><strong>Availability. </strong>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.</li> <li style="list-style-type: inherit;"><strong>Force Majeure Events. </strong>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.</li> <li style="list-style-type: inherit;"><strong>REFUSAL OF SERVICES</strong>. 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.</li> <li style="list-style-type: inherit;"><strong>THIRD PARTY CONTRACTORS.</strong> Our Third-Party Contractors may be located (or have data stored or accesses) inside or outside the United States.</li> <li style="list-style-type: inherit;"><strong>DATA BACKUPS.</strong> 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.</li> <li style="list-style-type: inherit;"><strong>ACCOUNT DEACTIVATION</strong>. 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. </li> <li style="list-style-type: inherit;"><strong>Third Party Content.</strong> In addition to CMA Content and User Content as defined below, we may provide other third-party content on the Services (collectively, “<strong>Third-Party Content</strong>”). 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.</li> </ol> </li> <li style="list-style-type: decimal;">Communications. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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, “<strong>Communications</strong>”). For users, the Communications may be those that we are required to send to you by law concerning the Services (“<strong>Required Communications</strong>”). 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. </li> </ol> </li> <li style="list-style-type: decimal;">Access to and Use of the Site and App. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;"><strong>LICENSE GRANT</strong>. 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. </li> <li style="list-style-type: inherit;"><strong>RESERVATION OF RIGHTS.</strong> 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.</li> <li style="list-style-type: inherit;"><strong>APP UPDATES</strong>. 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.</li> </ol> </li> <li style="list-style-type: decimal;">Job Posting Portal. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">Acceptable Use and Restrictions on Use. You shall not (and shall not allow any third party to): <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">engage in commercial use of the Site, the App, or any content on the Site or the App;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">collect or harvest any information about other users or members (including usernames and/or email addresses) for any purpose;</li> <li style="list-style-type: inherit;">reformat or frame any portion of the web pages that are part of the Site, the App, or the Services;</li> <li style="list-style-type: inherit;">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);</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">transmit any viruses, worms, defects, Trojan horses, or other items of a destructive nature;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">copy or modify the HTML code used to generate web pages on the Site or the App;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">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);</li> <li style="list-style-type: inherit;">modify, adapt, translate, or reverse engineer any portion of the Site, the App, or the Services;</li> <li style="list-style-type: inherit;">attack the Services via a denial-of-service attack or a distributed denial-of-service attack;</li> <li style="list-style-type: inherit;">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</li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">User Content <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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 (“<strong>User Content</strong>”). 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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">All User Content uploaded to the Forums Community or other location on the Site is deemed nonconfidential and nonproprietary.</li> <li style="list-style-type: inherit;">Your User Content must not include any viruses, adware, spyware, worms, or other harmful or malicious code.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">Content License From You <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">You confirm and warrant to us that you have all the rights, power, and authority necessary to grant the above license.</li> </ol> </li> <li style="list-style-type: decimal;">Removal of Content. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;"><strong>COPYRIGHT INFRINGEMENT AND OTHER COMPLAINTS.</strong> <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;"><strong>DMCA Notice. </strong>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: <ol style="list-style-type: lower-alpha;"> <li style="list-style-type: inherit;">A description of the copyrighted work or other intellectual property that you claim has been infringed;</li> <li style="list-style-type: inherit;">A description of where the material that you claim is infringing is located on the Site (including the exact URL);</li> <li style="list-style-type: inherit;">An address, a telephone number, and an e-mail address where we can contact you;</li> <li style="list-style-type: inherit;">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;</li> <li style="list-style-type: inherit;">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</li> <li style="list-style-type: inherit;">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.<br> </li> </ol> 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:<br> <br> California Medical Association<br> 1201 K Street, Suite 800, Sacramento, California 95814<br> Attn: General Counsel<br> Email: <a href="mailto:memberservice@cmadocs.org">memberservice@cmadocs.org</a><br> <br> 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</li> </ol> </li> <li style="list-style-type: decimal;"><span style="text-transform: none !important;font-weight: normal !important;">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.</span></li> <li style="list-style-type: decimal;">Complaints <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;"><span style="text-transform: none !important;">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.</span></li> </ol> </li> <li style="list-style-type: decimal;">Fees; Billing <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;"><strong>Fees.</strong> 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.</li> <li style="list-style-type: inherit;"><strong>Payment Terms.</strong> <ol style="list-style-type: lower-alpha;"> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: inherit;"><strong>Credit Card Processing.</strong> 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.</li> </ol> </li> <li style="list-style-type: decimal;">Suspension of Services. <ol style="list-style-type: lower-roman;"> <li><span style="text-transform: none !important;">We may suspend a User’s account and access to the Services, with or without notice, if any provision in these Terms is violated.</span></li> </ol> </li> <li style="list-style-type: decimal;">Term; Termination <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">These Terms shall continue until terminated.</li> <li style="list-style-type: inherit;">Termination. <ol style="list-style-type: lower-alpha;"> <li style="list-style-type: inherit;">We reserve the right to stop providing the Site, the App, or Services to you at any time for any reason without prior notice.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> </ol> </li> </ol> </li> </ol> <ol style="list-style-type: lower-alpha;"> <li style="list-style-type: inherit;"><strong>Effects of Suspension</strong>. 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.</li> </ol> <ol> <li style="list-style-type: decimal;">Intellectual Property <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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 (“<strong>Trademarks</strong>”). 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.</li> <li style="list-style-type: inherit;">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. </li> </ol> </li> <li style="list-style-type: decimal;">Disclaimers <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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. </li> <li>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.</li> </ol> </li> <li style="list-style-type: decimal;">Limitation of Liability <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">Indemnification. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">“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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;"><strong>No Exclusivity</strong>. The indemnified parties’ rights under this section do not affect other rights they might have.</li> <li style="list-style-type: inherit;">This Indemnification Section 19 shall survive any termination of these Terms.</li> </ol> </li> <li style="list-style-type: decimal;">Cooperation with Law Enforcement and Government Agencies. <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">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.</li> <li>Disputes; Resolution; Arbitration <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">These Terms shall not be governed by the United Nations Convention on the International Sale of Goods.</li> </ol> </li> <li style="list-style-type: decimal;">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.</li> <li style="list-style-type: decimal;">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.</li> <li style="list-style-type: decimal;">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.</li> <li style="list-style-type: decimal;">App Stores for CMA Apps <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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 “<strong>App-Enabled Software</strong>”), e.g., the Apple App Store or Google Play (each, an “<strong>App Store</strong>”). 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.</li> <li style="list-style-type: inherit;">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:</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">If you have any questions, complaints, or claims with respect to the App-Enabled Software, they should be directed to us as follows: <a href="mailto:memberservice@cmadocs.org">memberservice@cmadocs.org</a>.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> </ol> </li> <li style="list-style-type: decimal;">General <ol style="list-style-type: lower-roman;"> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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. </li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">Headings. The headings of sections and paragraphs in these Terms are for convenience only and shall not affect interpretation.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">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.</li> <li style="list-style-type: inherit;">Contact Us. Our contact information is: 1201 K Street, Suite 800, Sacramento, California 95814; email: <a href="mailto:memberservice@cmadocs.org">memberservice@cmadocs.org</a>; phone: (800) 786-4262. You may also <a href="https://www.cmadocs.org/contact"><strong>contact us</strong></a> by using the contact information at the bottom of each page. </li> </ol> </li> </ol> </div>
Privacy & Security