No Offer or Solicitation

This website is distributed in various jurisdictions and may contain references to alTreo or other insurance products and services that are not available in all jurisdictions. Such references do not imply that alTreo intends to make available such products, programs or services in all jurisdictions. The information contained on this website does not constitute an offer or solicitation for the sale of any insurance product or service in any jurisdiction where we are not licensed to conduct business or where the insurance product is not available for sale. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Some services, products, product features, or underlying options may not be available in all states. Services and products described herein are generally not available for purchase outside the US, unless otherwise described.

 

User Registration

To obtain full access to the website, you may be required to complete a registration.  You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer.  You accept responsibility for all activities that occur under your account or password and such use shall be deemed to be use by you.  You will ensure that all use of your account fully complies with these Terms and Conditions of Use.  Transfer of the account by you to any other person or entity is prohibited.  

 

Submitted Information

If you submit any information to us (other than Personal Information, as defined in our Privacy Policy), including any comments, remarks, suggestions, ideas, notes, concepts, or other information, you are giving that information, and all your rights in it, to us free of charge, and that information will be treated as non-confidential and non-proprietary and may be used by us for any purpose, without your consent or any compensation to you or anyone else.  This is true whether you submit such information to us by e-mail, through a form on the website or in any other manner.  We may from time to time monitor, review and, in our sole discretion, modify or delete any postings you make on the website however, we are not obligated to do so.

 

You agree not to submit or transmit any material that is unlawful, threatening, libelous, defamatory, obscene, pornographic, profane, or might in any other way violate any law, regulation, or rule.  In addition, you agree that you are the copyright owner or otherwise have permission to use and transmit any material submitted to the website and have the right to have us create derivative works with respect to any such content.  You agree that any material you submit does not violate the intellectual property rights of any third party.  You are solely responsible for any material you submit to the website.  You further agree not to upload, e-mail, post or transmit to, or distribute or otherwise publish through the website any material which disrupts the normal operation of the website, including posting or otherwise transmitting material that is not related to the subject at issue or otherwise restricts or inhibits any other user from using the website.

 

Through your usage of the website, you may submit and/or we may gather certain limited information about you and your website usage.  We are free to use such information for any purpose we deem appropriate, including marketing purposes.

 

Disclaimer and Limitation of Liability

ALL MATERIAL ON THIS WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.  ALTREO MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY OF THE MATERIAL ON THIS WEBSITE, OR ON ANY SITE OR SITES "LINKED" TO THIS WEBSITE.  ALTREO MAKES NO WARRANTY THAT THE WEBSITE WILL BE AVAILABLE, UNINTERRUPTED, ERROR FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  

 

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL ALTREO OR ITS AFFILIATES, CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES HAVE ANY LIABILITY TO YOU FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) (WHETHER IN CONTRACT, NEGLIGENCE, TORT OR OTHERWISE) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR INABILITY TO USE THE WEBSITE, WEBSITE CONTENT OR ANY SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THE WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY.  IF YOU ARE DISSATISFIED WITH US, ANY OF OUR SERVICES OR THESE TERMS AND CONDITIONS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE WEBSITE.

 

alTreo’s website is operated from the servers of Network SolutionsR. We make no representation that the content of this website is appropriate or available for use in other locations. Access to this website from certain locations may be strictly prohibited. Persons accessing this website do so on their own initiative and are responsible for compliance with all applicable local laws.

 

Modification and Termination of This Agreement

We may modify these Terms and Conditions of Use at any time without notice to you.  We may terminate this agreement, terminate your access to all or part of the website, or suspend any user's access to all or part of the website, at any time, without notice to you, if we believe, in our sole judgment, that you have breached or may breach any term or condition of this agreement, or for our convenience.  You may terminate this agreement at any time by destroying all materials received from the website and ceasing to use the website.

 

Governing Law

These Terms and Conditions of Use shall be governed by the laws of the State of New York without giving effect to any choice or conflict of law or rule (whether of the State of New York or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of New York, provided, however, that disputes concerning patent, federal trademark, or federal copyright matters shall be governed by federal law.  You consent to jurisdiction in the State of New York.

 

Miscellaneous Terms

Our failure to strictly enforce any right against you shall not constitute a waiver thereof.  If any provision of these Terms and Conditions of Use is deemed invalid, illegal, or unenforceable such provision will be deemed amended to conform to the applicable laws and the remainder of the Terms and Conditions of Use shall remain in full force and effect.  This represents the full understanding of the parties with respect to the subject matter hereof.