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
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
If you submit any information to us (other than Personal Information, as defined
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
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.
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
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.