Oswego County Mutual Insurance Company ("OCMIC," "we," "us," "our")
Effective Date: September 21, 2026
1. Acceptance of Terms
By accessing or using the OCMIC website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Site. We may update these Terms at any time. Continued use of the Site after changes are posted means you accept the updated Terms.
2. Who We Are
OCMIC is a licensed insurance company operating in New York State. Nothing on this Site is a binding offer of insurance coverage. Coverage exists only under a written policy issued by OCMIC, subject to its terms, conditions, and exclusions. If anything on this Site conflicts with your actual policy, the policy controls.
3. No Insurance Advice; No Binding Coverage Online
- Information on this Site is for general reference only and does not constitute insurance, legal, or financial advice.
- Submitting a quote request, contact form, or application through the Site does not bind coverage. Coverage begins only when confirmed in writing by an authorized OCMIC representative or agent.
- Claims cannot be filed as "final" through general web forms unless the Site explicitly states otherwise for a specific tool. Follow the claims reporting instructions provided separately.
4. Eligibility and Account Use
You must be at least 18 years old to submit information through this Site. You are responsible for the accuracy of information you submit and for keeping any account credentials confidential.
5. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose or to violate any regulation
- Attempt to gain unauthorized access to OCMIC systems, other users' accounts, or non-public areas of the Site
- Introduce malware, scrape data, or interfere with the Site's normal operation
- Submit false or fraudulent information in any form, quote, or application
6. Intellectual Property
All content on this Site — text, graphics, logos, forms, and software — is owned by OCMIC or its licensors and protected by copyright and trademark law. You may view and print content for personal, non-commercial use. No other use is permitted without our written consent.
7. Text Messaging (SMS) Program
By providing your mobile phone number and opting in through a Site form, phone system, or other enrollment method, you consent to receive text messages from OCMIC and its service providers related to:
- Policy information and status updates
- Payment reminders and payment confirmations
- Claims status updates
- Renewal notices
- Customer service communications you initiate or request
Consent and Opt-In
Consent to receive SMS messages is not a condition of purchasing any insurance product or service. You may opt in through web form, phone keypress, verbal consent, etc..
Message Frequency
Message frequency varies based on your policy activity and account status.
Message and Data Rates
Message and data rates may apply. Charges are determined by your mobile carrier and plan.
Opt-Out
Reply STOP at any time to any text message to opt out. You will receive one final confirmation message. You may also opt out by contacting us at info@ocmic.com.
Help
Reply HELP to any text message for assistance, or contact us at info@ocmic.com.
Carriers
Supported carriers are not liable for delayed or undelivered messages. Text messaging may not be available in all areas or on all mobile carriers.
No Sharing for Marketing
We do not share, sell, or disclose your mobile opt-in information or phone number to third parties or affiliates for their own marketing or promotional purposes. Your mobile information is used only to provide the SMS services described here and as permitted by law.
Privacy
SMS communication is also governed by our Privacy Policy at https://ocmic.com/privacy-policy.
8. Third-Party Links
The Site may link to third-party websites (carriers, payment processors, vendor portals). OCMIC does not control and is not responsible for the content, privacy practices, or terms of those sites.
9. Disclaimer of Warranties
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." OCMIC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OCMIC IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, INCLUDING SMS COMMUNICATIONS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11. Indemnification
You agree to indemnify and hold harmless OCMIC, its officers, employees, and agents from any claims, damages, or expenses arising from your misuse of the Site or violation of these Terms.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute arising from these Terms or use of the Site will be resolved in the state or federal courts located in Oswego County, New York.
13. Changes to These Terms
We may revise these Terms at any time by posting an updated version on this page. The "Effective Date" above reflects the most recent revision.
14. Contact Us
Oswego County Mutual Insurance Company
2975 W. Main St, P.O. Box 505, Parish, NY 13131
(315) 625-7066
info@ocmic.com