Terms of Service (“Terms”)
Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the https://ctgins.com website (the “Service”) operated by CTG Insurance (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.
You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.
We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel accounts in our sole discretion.
All site content, including Support forum content and imagery and documentation that is published on https://ctgins.com, or documentation or materials provided in connection with https://ctgins.com is the property of CTG Insurance. Any replicated Documentation must be authorized in advance in writing by CTG Insurance Documentation shall not be used or exploited for any purpose, commercial or non-commercial, without the prior written consent of CTG Insurance except as authorized by these Terms.
If you, or anyone acting on your behalf, transmit any communications or materials to CTG Insurance by email, electronic submission through https://ctgins.com(“CTG Insurance Website”), or otherwise, suggesting or recommending changes to Documentation, Support, Services, or any other aspect of CTG Insurance business, including without limitation, new features or functionality relating thereto, or any comments, questions, suggestions, or the like (“Feedback”), CTG Insurance is free to use such Feedback irrespective of any other obligation or limitation between the parties governing such Feedback. You hereby assign to CTG Insurance on your behalf, and on behalf of your employees, contractors and/or agents, all right, title, and interest in, and CTG Insurance is free to use, without any attribution or compensation to any party, any ideas, know-how, concepts, techniques, or other intellectual property rights contained in the Feedback, for any purpose whatsoever, although CTG Insurance is not required to use any Feedback.
Links To Other Web Sites
Our Service may contain links to third party web sites or services that are not owned or controlled by CTG Insurance.
CTG Insurance has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
You acknowledge and agree that CTG Insurance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
CTG Insurance may on occasion send you email notifications related to the CTG Insurance to the registered email address as described in Section 9. These transactional emails may include notification of changes to our Terms and Conditions, and other transactional emails related to your service with CTG Insurance. You agree to receive these transactional emails and that these transactional emails are binding as if set forth in these Terms and Conditions.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
If you wish to terminate your account, you may simply discontinue using the https://ctgins.com.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Billing. By providing a valid Payment Method, you authorize us to charge the specified rate on the CTG Insurance Website to your Payment Method. The amount and billing date will be clearly stated on your receipt email from CTG Insurance.
Payment Methods. The payment method used will be stored securely with our payment processor. The payment method will not be utilized or stored for any other purposes. You are responsible for editing and keeping your Payment Method information current by visiting the CTG Insurance Website.
You agree to defend, indemnify and hold harmless CTG Insurance and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.
Limitation Of Liability
In no event shall CTG Insurance, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
CTG Insurance its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
These Terms shall be governed and construed in accordance with the laws of Michigan, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
If you have any questions about these Terms, please contact us.
We reserve the right to alter these Terms and Conditions at any time for any reason. These Terms may not be altered by you without CTG Insurance prior written agreement. Only CTG Insurance may assign these Terms.
Last Updated: March 21, 2023