Who we are
Our website address is: https://www.myerma.com.
10DLC Messaging
- Employers’ Risk Management Association
- Customer Care Messages
- Message Frequency may vary
- Message and Data rates may apply
- For further assistance, please email us at info@myerma.com or call us at 1-866-302-1516
- No personal information will be shared with third parties for marketing purposes
- You may opt-out at anytime by replying STOP to a received message.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
TERMS OF USE
Effective Date: April 2026
Website: https://www.myerma.com
Acceptance of Terms
By accessing or using the ERMA website (“Site”), services, content, tools, or resources provided through myerma.com (collectively, the “Services”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, you must discontinue use of the Site immediately.
About ERMA
Employers’ Risk Management Association (“ERMA,” “we,” “our,” or “us”) provides business support services including payroll processing, HR resources, insurance programs, compliance tools, legal access, and membership benefits.
Use of these Services may require an active membership or separate service agreement.
Eligibility
You must be at least 18 years old and legally able to enter into binding contracts to use this Site. By using the Site, you represent that all information you provide is accurate and complete.
Permitted Use
You may use the Site solely for:
• Accessing ERMA membership information
• Reviewing available business services
• Communicating with ERMA
• Using member‑only tools if you are an authorized user
You agree not to:
• Copy, distribute, or modify Site content without permission
• Attempt to gain unauthorized access to ERMA systems
• Use the Site for fraudulent, harmful, or unlawful purposes
• Interfere with the Site’s functionality or security
Member Accounts
Certain features require creating an account or logging into the ERMA member portal. You are responsible for:
• Maintaining the confidentiality of your login credentials
• All activity occurring under your account
• Notifying ERMA immediately of unauthorized access
ERMA may suspend or terminate accounts that violate these Terms.
Intellectual Property
All content on the Site—including text, graphics, logos, videos, software, and design—is the property of ERMA or its licensors and is protected by U.S. and international copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, or create derivative works without written permission.
Third‑Party Links & Embedded Content
The Site may include links to third‑party websites, embedded media, or external resources. These sites operate independently and may collect data or use cookies. ERMA is not responsible for their content, policies, or practices.
Communications & Messaging
By providing your contact information, you consent to receiving communications related to ERMA services, including 10DLC messaging where applicable. Message frequency may vary, and standard message/data rates may apply. You may opt out at any time by replying STOP.
No Legal, Insurance, or HR Advice
Information provided on the Site is for general informational purposes only.
Access to legal counsel, HR resources, or insurance services is governed by your membership agreement or service contract. Nothing on the Site should be interpreted as:
• Legal advice
• Insurance underwriting advice
• Professional HR guidance
Always consult qualified professionals before making decisions.
Service Availability
ERMA may modify, suspend, or discontinue any part of the Site or Services at any time without notice. We do not guarantee uninterrupted or error‑free operation.
Disclaimer of Warranties
The Site and Services are provided “as is” and “as available” without warranties of any kind, express or implied.
ERMA disclaims all warranties including:
• Fitness for a particular purpose
• Non‑infringement
• Accuracy or completeness of information
Limitation of Liability
To the fullest extent permitted by law, ERMA is not liable for any:
• Direct, indirect, incidental, or consequential damages
• Loss of data, revenue, or business
• Errors, interruptions, or unauthorized access
Your sole remedy for dissatisfaction with the Site is to stop using it.
Indemnification
You agree to indemnify and hold ERMA harmless from any claims, damages, liabilities, or expenses arising from:
• Your use of the Site
• Your violation of these Terms
• Your infringement of third‑party right
Changes to These Terms
ERMA may update these Terms at any time. Updates become effective upon posting. Continued use of the Site constitutes acceptance of the revised Terms.
Governing Law
These Terms are governed by the laws of the State of Minnesota, without regard to conflict‑of‑law principles.
Contact Information
For questions about these Terms, contact us at:
info@myerma.com
1‑866‑302‑1516
444 Great Oak Drive, Waite Park, MN 56387