Terms of Service
Last Updated: September 30, 2026
1. Introduction
Welcome to WorkCompByState, an independent informational website operated by Kevin Garcia de Paz.
These Terms of Service (“Terms”) govern your access to and use of:
By accessing or using WorkCompByState, you agree to comply with these Terms.
If you do not agree with these Terms, please discontinue use of the website.
2. About WorkCompByState
WorkCompByState provides general informational and educational content primarily relating to:
- Workers’ compensation insurance
- Workers’ compensation requirements
- State-specific workers’ compensation information
- Business insurance
- Insurance-related topics
- General business information
WorkCompByState is an independent informational website.
It is not an insurance company, insurance agency, insurance broker, law firm, government agency, or government-affiliated organization.
3. Informational Purposes Only
All content published on WorkCompByState is provided for general informational and educational purposes only.
The information available on this website does not constitute:
- Legal advice
- Insurance advice
- Financial advice
- Tax advice
- Employment advice
- Professional advice of any kind
Workers’ compensation laws, regulations, insurance requirements, and policies can vary between jurisdictions and may change over time.
You should consult an appropriately qualified professional before making decisions based on information published on this website.
4. No Professional Relationship
Your use of WorkCompByState does not create an attorney-client, insurance-agent-client, broker-client, financial-advisor-client, accountant-client, or other professional relationship between you and Kevin Garcia de Paz or WorkCompByState.
Submitting a question or message through our contact form does not create such a professional relationship.
5. Accuracy and Changes to Content
We make reasonable efforts to provide useful and accurate information.
However, we do not guarantee that information published on WorkCompByState is:
- Complete
- Accurate
- Current
- Error-free
- Suitable for your particular circumstances
Information may become outdated as laws, regulations, insurance requirements, policies, or other circumstances change.
We reserve the right to modify, update, correct, or remove website content at any time without prior notice.
6. State-Specific Information
Workers’ compensation requirements differ between U.S. states.
Information relating to one state may not apply to another state.
You should independently verify important information with the relevant state government agency, licensed insurance professional, attorney, or other qualified professional.
7. Acceptable Use
You agree to use WorkCompByState only for lawful purposes.
You must not use the website to:
- Violate any applicable law or regulation
- Attempt to gain unauthorized access to the website or its systems
- Interfere with website functionality
- Introduce malicious software or harmful code
- Scrape or collect website content through automated methods for unauthorized commercial purposes
- Impersonate another person or entity
- Engage in fraudulent or deceptive activity
- Use the website in a manner that could damage, disable, overburden, or impair its operation
We reserve the right to restrict access to users who violate these Terms.
8. Intellectual Property
Unless otherwise indicated, original content published on WorkCompByState, including text, graphics, logos, designs, images, website layout, and other original materials, is owned by or licensed to Kevin Garcia de Paz.
Such content may be protected by copyright, trademark, and other applicable intellectual property laws.
You may view, read, and use the website for personal and lawful informational purposes.
You may not, without prior written permission:
- Reproduce substantial portions of our original content
- Republish our content on another website
- Sell or commercially redistribute our content
- Modify and present our content as your own
- Systematically copy or reproduce website materials
Nothing in these Terms limits rights granted to you under applicable law.
9. User Communications
If you contact WorkCompByState through our contact form or email, you are responsible for ensuring that the information you provide is accurate and lawful.
You should not submit:
- Confidential information that you are not authorized to disclose
- Sensitive personal information unless necessary
- Malicious files or code
- Content that violates another person’s rights
- Unlawful or fraudulent material
We may use information submitted through contact channels to respond to your inquiry in accordance with our Privacy Policy.
10. Third-Party Websites
WorkCompByState may contain links to third-party websites, services, products, or resources.
These links are provided for informational or convenience purposes.
We do not control third-party websites and are not responsible for:
- Their content
- Their accuracy
- Their availability
- Their security
- Their privacy practices
- Their terms and conditions
- Their products or services
Your use of third-party websites is subject to the terms and policies of those third parties.
11. Advertising
WorkCompByState may display advertisements through third-party advertising networks, including Google AdSense.
Advertisements may be selected and delivered by third-party advertising providers.
The appearance of an advertisement does not constitute an endorsement or recommendation by WorkCompByState or Kevin Garcia de Paz.
We are not responsible for the products, services, claims, or representations made by third-party advertisers.
12. Affiliate Relationships
WorkCompByState does not currently use affiliate links and does not receive payments from insurance companies for the content it publishes. If affiliate links are added in the future, they will be clearly disclosed on the pages where they appear.
13. Website Availability
We make reasonable efforts to maintain the availability of WorkCompByState.
However, we do not guarantee that the website will always be:
- Available
- Uninterrupted
- Secure
- Error-free
- Free of harmful components
We may temporarily or permanently modify, suspend, or discontinue the website or any portion of it without prior notice.
14. Disclaimer of Warranties
To the maximum extent permitted by applicable law, WorkCompByState is provided on an “as is” and “as available” basis.
We do not provide warranties or guarantees regarding the website or its content, including warranties relating to:
- Accuracy
- Completeness
- Reliability
- Availability
- Suitability for a particular purpose
- Non-infringement
Nothing in these Terms excludes warranties or legal protections that cannot legally be excluded.
15. Limitation of Liability
To the maximum extent permitted by applicable law, Kevin Garcia de Paz and WorkCompByState shall not be liable for losses or damages resulting from your use of, or reliance upon, the website or its content.
This may include, where legally permitted:
- Direct losses
- Indirect losses
- Consequential losses
- Loss of business
- Loss of profits
- Loss of data
- Losses resulting from reliance on information published on the website
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
16. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Kevin Garcia de Paz and WorkCompByState from claims, liabilities, damages, losses, costs, and expenses arising from:
- Your violation of these Terms
- Your unlawful use of the website
- Your misuse of website content
- Your violation of another person’s rights
17. Privacy and Cookies
Your use of WorkCompByState is also subject to our:
Privacy Policy
and
Cookie Policy
These policies explain how personal information and cookies may be collected, used, and processed.
18. Changes to These Terms
We may update these Terms of Service from time to time.
Changes may be made to reflect:
- Changes to the website
- New services or features
- Changes in our practices
- Changes in applicable laws or regulations
The updated version will be published on this page with a new “Last Updated” date.
Your continued use of WorkCompByState after updated Terms are published constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
19. Governing Law
These Terms are governed by the laws of Spain, where the website owner resides. 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 these Terms is intended to remove or restrict rights that users are legally entitled to exercise.
20. Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.
The invalid provision will be interpreted or replaced, where possible, in a manner that most closely reflects its original purpose.
21. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, Legal Notice, and Disclaimer, constitute the terms governing your use of WorkCompByState, except where additional terms expressly apply to specific services or features.
22. Contact
If you have questions regarding these Terms of Service, please contact:
Kevin Garcia de Paz
WorkCompByState
Email: contact@workcompbystate.com
Website: https://workcompbystate.com/
Last Updated: September 30, 2026