Terms of Use

General Terms

These terms of use (together with any additional terms, as described below) ("Terms of Use") are an agreement between KT RiskGuard LLC and the individuals that use the Sites ("users," "you," or "your"). The Terms of Use govern your access to and use of the Sites. Subject to your full and ongoing compliance with these Terms of Use, KT RiskGuard LLC hereby grants you a limited and revocable right to access and use the Sites, solely for their intended purposes.

If you use or access the Sites on behalf of a business or other entity, you must have authority to bind that business/entity. In such case, the term "you" includes the business/entity and any of its agents that use or access the Sites. By using or accessing the Sites, you represent and warrant that you are of legal age to accept these Terms of Use and form a binding contract with KT RiskGuard LLC.

IF YOU ARE UNDER THE AGE OF 18 (A MINOR), YOUR PARENT OR LEGAL GUARDIAN MUST READ AND CONSENT TO THE TERMS OF USE BEFORE YOU USE THE SITES. BY PERMITTING A MINOR TO USE THE SITES, THE MINOR'S PARENT OR GUARDIAN BECOMES SUBJECT TO THE TERMS OF USE AND AGREES TO BE RESPONSIBLE FOR THE MINOR'S ACTIVITIES ON THE SITES.

KT RiskGuard LLC may now or in the future offer multiple platforms through our Sites for use in accessing our Services. To use the Platforms, you must adhere to any additional terms and conditions specific to each Platform. Certain offerings on the Sites may be free of charge or offered for a fee, and we reserve the right to change what Services are offered free of charge or for a fee, and the fees charged for any given Service.

PLEASE READ THE TERMS OF USE CAREFULLY. BY ACCESSING ANY PAGES ON THE SITES; CREATING AN ACCOUNT; USING ANY SERVICES MADE AVAILABLE THROUGH THE SITES; OR USING ANY PLATFORM, YOU EXPRESSLY AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THE TERMS OF USE AND ANY APPLICABLE POLICIES AND DISCLAIMERS REFERENCED HEREIN OR ON THE SITES. DO NOT USE THE SITES IF YOU DO NOT AGREE TO THE TERMS OF USE AND ALL APPLICABLE POLICIES AND DISCLAIMERS.

Changes to the Terms of Use

KT RiskGuard LLC reserves the right to update or modify the Terms of Use at any time, with or without prior notice. Any such changes will become effective upon the earlier of (i) the first time you use the Sites or Services with actual notice of the change(s), or (ii) 30 days after the change(s) are publicly posted on the Sites. Disputes arising under these Terms will be resolved in accordance with the version of the Terms of Use in place at the time the dispute arose. We use reasonable efforts to ensure that the Terms of Use identify the last date of update.

In the case of material changes to the Terms, KT RiskGuard LLC will make reasonable efforts to notify you of the change, such as by sending an email to any address we have on file, displaying a pop-up window on the Sites, or other similar mechanism. We encourage you to review the Terms of Use frequently to stay informed of any changes.

Account Access and Security

You may be required to register and create an account to access some content and functionality on the Sites and/or Platforms. You may be required to provide personal information, such as an email and password, to create an account, as described in our Privacy Policy.

You are responsible for maintaining the confidentiality of your account, password, and other information. By creating an account, you agree that such account is intended for your use only, and you agree not to allow any other person to access it. You agree to notify KT RiskGuard LLC immediately if you become aware of any unauthorized access to or use of your account.

Any information you provide to KT RiskGuard LLC must be correct, current, and complete. Our use of your information is governed by our Privacy Policy. By providing us with personal information, you consent to our use of such information as described in our Privacy Policy.

User Content

The Sites may now or in the future contain Services that allow you and others to post, submit, publish, display, or otherwise transmit ("post") various information and materials ("User Content"). Other than personally identifiable information that you provide to us, User Content is and will be considered non-confidential and non-proprietary. You retain ownership rights in and to your User Content, and by posting User Content to the Sites, you hereby grant KT RiskGuard LLC an unrestricted, non-exclusive, perpetual, royalty-free, worldwide, transferable, sublicensable, and irrevocable license and right to use, edit, copy, reproduce, disclose, display, publish, and otherwise use such User Content and derivatives thereof, in whole or in part, and in any form, media, or technology now known or hereafter developed.

KT RiskGuard LLC is under no obligation to use, return, review, or respond to User Content. You understand and acknowledge that you are responsible for any User Content you post, including its legality, reliability, accuracy, and appropriateness.

Reliance on Posted Information

The Sites may include content provided by third parties. Other than content provided by KT RiskGuard LLC, all statements and opinions expressed are solely the opinions and responsibility of the party providing those materials. KT RiskGuard LLC is not responsible for the content of any materials provided by third parties, and does not warrant the accuracy, completeness, or reliability of any such information. Information provided by KT RiskGuard LLC on the Sites is informational only.

Content Standards

You agree that you will not post any User Content that (a) infringes on or violates any intellectual property rights, (b) fails to comply with applicable laws and regulations, or (c) contains any expressions of hate, abuse, offensive images or conduct, or any similar content. Without limiting the foregoing, User Content must not:

• Contain any defamatory, libelous, obscene, abusive, offensive, harassing, violent, hateful, inflammatory, sexually explicit, or otherwise objectionable material;
• Promote violence or discrimination based on race, ethnicity, sex, religion, nationality, disability, sexual orientation, gender identity, or age;
• Violate any person's or entity's legal rights, including intellectual property rights, moral rights, and rights of publicity and privacy;
• Impersonate any person or entity, or misrepresent your identity or affiliation;
• Appear as if it is posted by or endorsed by KT RiskGuard LLC or any other person or entity, if this is not the case;
• Contain any material that is unlawful or could result in civil or criminal liability;
• Incite, advocate, promote, or assist any illegal or unlawful activity; or
• Conflict with these Terms of Use or any other applicable law or policy.

Governing Law and Jurisdiction

You agree that all matters relating to the Sites and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule.

Any legal action or proceeding arising out of or relating to these Terms of Use shall be brought exclusively in the state or federal courts located in Geauga County, Ohio or the Northern District of Ohio. You hereby consent to the personal jurisdiction of such courts and waive any objection to the laying of venue of any such action in such courts.

Contact Us

If you have questions about these Terms of Use, please contact us at [email protected] or by phone at (440) 800-9111.