Terms of Use

These Terms of Use apply to sipconline.net as well as any other affiliated sites or applications on which a link to these Terms of Use appears (collectively, the "SIPC Website") and apply to all visitors. By accessing the SIPC Website, you agree to be legally bound by the Terms of Use then in effect.

These Terms of Use as well as the information and materials contained in the SIPC Website are subject to change at any time and from time to time, without notice.

Please read these Terms of Use carefully as they contain important information about your legal rights and remedies. By accessing the SIPC Website, you agree to comply with and be bound by these Terms of Use.

If you do not agree to be bound by these Terms of Use, do not use the SIPC Website.

Services and Products

Any materials or information, distributed or otherwise made available on the SIPC Website is published for information purposes and is subject to change at any time without notice. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials.

No Warranty

The SIPC Website, together with all content, information and materials contained therein, is provided "as is," without any representations or warranties of any kind. Any materials, information or content accessed, downloaded or otherwise obtained through the use of the SIPC Website is done at your own risk and SIPC is not responsible for any damage to your computer systems or loss of data that results from the download of such material. SIPC expressly disclaims all representations or warranties of any kind, whether express or implied, with respect to the SIPC Website, and all materials, information, and content contained herein, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, SIPC does not warrant the accuracy, timeliness, completeness, security, reliability, or availability of the SIPC Website or the information or results obtained from use of the SIPC Website, or that the SIPC Website will be available at all times, or is virus-free.

No Liability

To the fullest extent permitted by law, in no event will SIPC or our employees, contractors, service providers or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of the SIPC Website, or any links to third-party websites.

In no event will SIPC or our employees, contractors, service providers, or agents be liable for any incidental, special, punitive, or consequential damages caused arising out of the use of the SIPC Website, its content, or the inability to use the SIPC Website.

This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.


The SIPC Website may contain third-party content or links to third-party websites. These content and links are provided solely for your convenience and information. SIPC has no control over, does not assume any responsibility for, and does not make any warranties or representations as to, any third-party content or websites, including but not limited to, the accuracy, subject matter, quality, or timeliness.

Intellectual Property Rights

SIPC, or the applicable third-party owner, retains all right, title, and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the SIPC Website. Except as permitted by the copyright law applicable to you, you may not reproduce or communicate any of the content on this website, including files downloadable from this website, without the permission of SIPC.

Electronic Communication (E-Mail)

Ordinary e-mail messages sent over the Internet are neither confidential nor secure. They may be easily accessed by third-parties and may entail a considerable amount of danger and risk including: (a) lack of confidentiality (e-mails and their attachments can be read and/or monitored without detection); (b) manipulation or falsification of the sender's address or of the e-mail's (or attachment's) content (e.g., changing the sender's address(es) or details); (c) system outages and other transmission errors, which can cause e-mails and their attachments to be delayed, misrouted and deleted; (d) viruses, worms, Trojan horses, etc. may be spread undetected by third-parties and may cause considerable damage; and (e) interception by third-parties.

In no event should you use ordinary e-mail to transmit personal or confidential information. SIPC will not be liable to you or anybody else for any damages incurred in connection with any messages sent to SIPC using ordinary e-mail or any other electronic messaging system.

Privacy Policy

SIPC has established a Privacy Policy, as modified from time to time, which explains how personal data is collected on the SIPC Website and used. The Privacy Policy is part of these Terms of Use and is incorporated herein by reference.

Exclusive Jurisdiction and Venue

The parties agree that the state and federal courts in the County of Greenville, State of South Carolina shall have sole and exclusive jurisdiction and venue for the resolution of all disputes arising hereunder.

Severability Clause

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful, or unenforceable in any jurisdiction, that provision will be deemed to be severed from these Terms of Use, but such finding will not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor will it affect the validity, lawfulness, or enforceability of these Terms of Use in any other jurisdiction.


These Terms of Use and Privacy Policy and any document or terms and conditions referred to herein constitute the entire agreement of the parties with respect to your use of SIPC Website and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

Last updated in July 2018.

Privacy Policy

Self-Insurers’ Publishing Corp, Inc. (“SIPC”) respects the privacy of every individual who visits our websites ("SIPC Website"). This Privacy Policy outlines the information SIPC will collect and how we will use that information. This Policy will also instruct you on how you can verify the accuracy of your personally identifiable information submitted to SIPC through our websites and how you can opt-out.

By accessing the SIPC Website you accept this Privacy Policy ("Privacy Policy").

If you do not agree to this Privacy Policy, do not proceed to further web pages of the SIPC Website.

This Privacy Policy is effective as of May 25, 2018 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. SIPC reserves the right to update or change our Privacy Policy at any time and we encourage you to review this Privacy Policy periodically. Your continued use of the SIPC Website after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

What are the purpose and the scope of this Privacy Policy?

SIPC is committed to safeguarding the personal information that we collect from individuals who use the SIPC Website. Accordingly, SIPC has developed this Privacy Policy to describe how and what type of data will be collected from users of the SIPC Website and the purposes for which SIPC may collect, share or disclose the data. SIPC also outlines reasonable precautions which are taken to keep your data secure.

This Privacy Policy applies to any information obtained by SIPC through your use of the SIPC Website. It is not applicable to any Internet websites controlled by third parties not affiliated with SIPC that the SIPC Website may link to ("Third Party Sites"). Please review the privacy statements of Third Party Sites as SIPC is not responsible for and has no influence on the content or the privacy practices of Third Party Sites.

What information do we collect from you and for what purpose?

When you visit the SIPC Website, our web server automatically records details about your visit (for example, your IP address, the website from which you visit us, the type of browser software used, the SIPC Website pages that you actually visit including the date and the duration of your visit).

In addition, we collect personal data (“Personal Data”) which you provide through the SIPC Website, for example when you enter personal details (e.g., name, gender, address, e-mail address, phone/fax number) on a registration page or if you sign up for an email newsletter.

SIPC will use your Personal Data:

  • for the purposes of technical administration and research & development of the SIPC Website;
  • for customer and user administration and marketing;
  • to inform you about our services and products; and
  • for such purposes as otherwise specified.

SIPC respects applicable laws and regulations in its use of Personal Data.

How do we collect and store information from you?

SIPC uses tracking technology such as cookies or tags to gather information as outlined above (see: "What information do we collect from you and for what purpose?") to understand how visitors use the SIPC Website.

Tracking technology helps us manage and improve the usability of the SIPC Website, for example by detecting whether there has been any prior contact between your computer and us and to identify the most popular sections of the SIPC Website.

This website may use a technology called a "cookie.” A cookie is a small data file that a website can place on your computer’s hard drive, where your browser files are kept. A cookie saves you the trouble of reentering certain information in some registration areas because cookies can be used to enable a website to “remember” information a visitor has previously inputted. A cookie also helps deliver content specific information to you and track how areas of the website are used. With most browsers you can change your browser settings to remove cookies from your computer hard drive, block cookies, or receive a warning before a cookie is stored. Please check your browser instructions for more information about these functions. If you reject cookies, the functionality of the website may be limited, and you may not be able to take advantage of many of the website's features.

When you save your cookie settings, they should also apply to your future visits to the SIPC Website. However, for technical reasons beyond SIPC ’s control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies, or access the SIPC Website from another browser or device, your cookie settings may be lost. To comply with applicable laws and regulations, you may be asked to confirm your cookie settings when you first visit the SIPC Website. If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.

To whom do we disclose your information collected from the SIPC Website?

SIPC may disclose your information to its affiliates and its and their agents and third-party providers inside or outside your country of residence to perform services for SIPC and for the purposes stated above. Our affiliates, agents and third-party providers who have access to Personal Data obtained through the SIPC Website are obliged to respect privacy.

We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in accordance with any applicable law, regulations, court order or official request, or under any and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as either required or permitted by applicable law.

What security measures have we implemented to protect your information collected through the SIPC Website?

SIPC has implemented reasonable technical and organizational security measures to protect your Personal Data collected by SIPC via the SIPC Website against unauthorized access, misuse, loss or destruction.

How will we ensure your information is accurate, complete and if requested deleted?

SIPC will take commercially reasonable steps to ensure that your Personal Data is kept accurate, complete, and up-to-date. If any of the Personal Data SIPC holds about you is inaccurate, incomplete or out-of-date, please contact SIPC immediately using the contact details at the end of this Privacy Policy.

SIPC shall recognize any valid requests from individuals to delete their Personal Data from use for any reason and has systems and procedures in place to comply with a request for deletion. Any such requests should be made by contacting SIPC directly using the contact details at the end of this Privacy Policy.

What is our policy regarding security and retention of your Personal Data?

Personal Data SIPC holds is stored either in hard copy documents or as electronic data. SIPC uses generally accepted industry standard and reasonable security measures to protect any Personal Data held in any form from misuse, loss, unauthorized access, modification, and/or disclosure.

SIPC shall retain your Personal Data only so long as it is necessary for the purposes set out in this policy, or for as long as your account or membership is active (if applicable). We respect requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We reserve the right to keep certain information in our archives that we deem necessary to comply with any legal obligations we may have, resolve disputes and enforce contractual agreements.

How do we transfer and store data?

While every effort is made to comply with the laws and regulations of all jurisdictions in which the SIPC Website may be accessed, please be advised that the SIPC Website are directed towards users who reside in the United States. The servers on which data is stored, including any Personal Data, are located in the United States, and the SIPC Website comply with relevant laws and regulations under United States law, as explained in this Privacy Policy. By continuing to use the SIPC Website you hereby consent to your information being collected, stored, and used in the United States, as stated in this Privacy Policy.

If you are an individual located in the European Economic Area, the UK, Canada, or another jurisdiction outside of the United States with laws and regulations governing Personal Data collection, use, and disclosure that differ from United States laws, please be aware that information we collect (including through the use of methods such as cookies and other web technologies) will be processed and stored in the United States or in other countries where we or our third-party services providers have operations. By submitting your personal information to SIPC, you expressly consent to having your Personal Data transferred to, processed, and stored in the United States or another jurisdiction which may not offer the same level of privacy protection as those in the country where you reside or are a citizen.

SIPC will only transfer or share Personal Data to the extent it is necessary to fulfill the purpose outlined in this Privacy Policy and your data will be processed in accordance with the provisions set out in this Privacy Policy.

How do we treat electronic messages sent to and from SIPC?

All e-mails sent to and from SIPC are automatically retained in a distinct journaling system which preserves the evidential weight of the e-mails. They are protected by reasonable technical and organizational measures and may only be accessed in justified cases in line with applicable laws and regulations (e.g., court order, suspicion of criminal conduct, violation of regulatory obligations, material breach of employment contract) to specific persons in defined functions (e.g. legal, compliance, risk). Every step of the process, as well as the search criteria used, are logged in an audit trail. All emails are disposed of after the applicable retention period has expired.

What should you consider when sending data over the Internet?

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the SIPC Website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than exists in your country of residence.

Please note that we accept no responsibility or liability for the security of your information whilst in transit over the Internet to SIPC. In order to protect your privacy, we would like to remind you that you may choose another means of communication with SIPC, where you deem it appropriate.

How do we deal with information from individuals under the age of 18?

SIPC Website does not seek to collect Personal Data from individuals under the age of 18. Individuals under the age of 18 should receive permission from their parent or legal guardian before providing any Personal Data to SIPC on the SIPC Website.

How can you access or review your Personal Data?

You may:

  • check whether we hold your Personal Data,
  • ask us to provide you with a copy of your Personal Data, or
  • require us to correct any of your Personal Data that is inaccurate.

Should you have a request regarding the processing of your Personal Data please send a letter to the following address:

Telephone: 888-394-5688

Any disputes that arise out of your use of the SIPC Website shall be resolved according to the laws of the state of North Carolina, USA and shall be governed by the Terms of Use available here.

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