Legal Notice
Last Updated: September 30, 2026
1. Website Identification
This Legal Notice applies to the website:
Website: WorkCompByState
Website URL: https://workcompbystate.com/
Website Owner: Kevin Garcia de Paz
Country of residence: Spain
Email: contact@workcompbystate.com
WorkCompByState is an independent informational website providing educational content primarily related to workers’ compensation insurance, workers’ compensation requirements, business insurance, and related topics.
2. Website Owner
WorkCompByState is operated by Kevin Garcia de Paz as an independent website project.
At the time of publication of this Legal Notice, WorkCompByState is not operated through a registered company or registered business entity.
The website is currently an informational project and does not represent an insurance company, law firm, government agency, or other regulated professional organization.
3. Purpose of the Website
The purpose of WorkCompByState is to provide general educational and informational content relating to workers’ compensation and related insurance topics.
The information published on this website is intended for general informational purposes only.
It should not be considered legal, insurance, financial, tax, employment, or other professional advice.
4. No Professional Relationship
Using WorkCompByState or contacting us through the website does not create an attorney-client, insurance-agent-client, financial-advisor-client, accountant-client, or other professional relationship.
Users should seek advice from an appropriately qualified professional before making decisions based on information published on this website.
5. Accuracy of Information
We make reasonable efforts to provide useful, accurate, and up-to-date information.
However, we do not guarantee that all information published on WorkCompByState is:
- Complete
- Accurate
- Current
- Error-free
- Applicable to every individual or business situation
Workers’ compensation laws, regulations, insurance requirements, and policies may change over time.
Users should independently verify important information with the relevant government agency, licensed insurance professional, attorney, or other qualified professional.
6. State-Specific Information
Workers’ compensation requirements vary significantly between U.S. states.
Information presented for one state may not apply to another state.
The information provided by WorkCompByState should not be interpreted as a definitive statement of the law applicable to your particular circumstances.
7. Intellectual Property
Unless otherwise stated, original content published on WorkCompByState, including text, graphics, logos, designs, website layout, and other original materials, is owned by or licensed to Kevin Garcia de Paz.
Such content may be protected by applicable intellectual property laws.
You may access and use the website for personal and lawful informational purposes.
You may not reproduce, republish, distribute, modify, sell, or commercially exploit original WorkCompByState content without prior written permission, except where permitted by applicable law.
8. Third-Party Websites and Links
WorkCompByState may contain links to websites, services, resources, or platforms operated by third parties.
These links may be provided for informational purposes or convenience.
We do not control third-party websites and are not responsible for their content, accuracy, availability, security, privacy practices, or policies.
Users access third-party websites at their own discretion.
9. Advertising
WorkCompByState may display advertisements through third-party advertising services, including Google AdSense.
The presence of an advertisement does not constitute an endorsement, recommendation, or guarantee by WorkCompByState or Kevin Garcia de Paz.
Advertisers are responsible for their own products, services, claims, and advertising materials.
10. Affiliate Links
WorkCompByState does not currently use affiliate links and does not receive payments from insurance companies for the content it publishes. If this changes in the future, affiliate links will be clearly disclosed on the pages where they appear.
11. Website Availability and Security
We make reasonable efforts to keep WorkCompByState available and functioning properly.
However, we do not guarantee that the website will always be:
- Available
- Uninterrupted
- Error-free
- Secure
- Free from viruses or other harmful components
We may modify, suspend, restrict, or discontinue any portion of the website at any time.
12. Limitation of Liability
To the maximum extent permitted by applicable law, Kevin Garcia de Paz and WorkCompByState shall not be liable for losses, damages, or consequences arising from:
- Reliance on information published on the website
- Errors or omissions in website content
- Changes to laws or regulations
- Website interruptions or technical failures
- Third-party websites or services
- Advertisements or third-party products
- Decisions made based on information obtained from the website
Nothing in this Legal Notice excludes or limits liability that cannot legally be excluded or limited under applicable law.
13. Privacy and Cookies
The collection and processing of personal information through WorkCompByState are governed by our Privacy Policy.
The use of cookies and similar technologies is governed by our Cookie Policy.
Users are encouraged to review both policies.
14. Contact
For questions, comments, privacy-related matters, or other inquiries regarding WorkCompByState, please contact:
Kevin Garcia de Paz
WorkCompByState
Email: contact@workcompbystate.com
Website: https://workcompbystate.com/
15. Changes to This Legal Notice
We may update this Legal Notice from time to time to reflect changes to:
- The website
- Our services
- Our business structure
- Our content
- Applicable laws or regulations
The most recent version will always be published on this page.
The “Last Updated” date indicates when this Legal Notice was last revised.
16. Applicable Law
This Legal Notice is governed by the laws of Spain. Any disputes will be submitted to the courts that have jurisdiction under applicable law; where the user is a consumer, the courts of the user’s place of residence.
Where mandatory consumer protection, privacy, or other legal protections apply, nothing in this Legal Notice is intended to restrict or remove rights that users are legally entitled to exercise.
Last Updated: September 30, 2026