Website Terms of Use

Agreement between user and www.cmfgroup.com

Welcome to www.cmfgroup.com. The www.cmfgroup.com website (the "Site") is comprised of various web pages operated by CM&F Group, Inc. ("CM&F"). www.cmfgroup.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.cmfgroup.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

www.cmfgroup.com is an E-commerce Site
We sell insurance products

Electronic Communications

Visiting   www.cmfgroup.com   or   sending   emails   to   CM&F   constitutes   electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that CM&F is not responsible for third party access to your account that results from theft or misappropriation of your account. CM&F and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion. CM&F does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.cmfgroup.com only with permission of a parent or guardian.

Links to third party sites/Third party services

www.cmfgroup.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of CM&F and CM&F is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. CM&F is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by CM&F of the site or any association with its operators. Certain services made available via www.cmfgroup.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.cmfgroup.com domain, you hereby acknowledge and consent that CM&F may share such information and data with any third party with whom CM&F has a contractual relationship to provide the requested product, service or functionality on behalf of www.cmfgroup.com users and customers.

No unlawful or prohibited use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.cmfgroup.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to CM&F that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of CM&F or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. CM&F content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of CM&F and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of CM&F or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by CM&F from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the CM&F Content accessed through www.cmfgroup.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless CM&F, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. CM&F reserves the right, at its own cost, to assume   the   exclusive   defense   and   control   of   any   matter otherwise   subject   to indemnification by you, in which event you will fully cooperate with CM&F in asserting any available defenses.

Liability disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE   THROUGH   THE   SITE   MAY   INCLUDE   INACCURACIES   OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CM&F GROUP, INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. CM&F GROUP, INC.   AND/OR   ITS   SUPPLIERS   MAKE   NO   REPRESENTATIONS   ABOUT   THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE.

TO   THE   MAXIMUM   EXTENT   PERMITTED BY   APPLICABLE   LAW,   ALL   SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. CM&F   GROUP,   INC.   AND/OR   ITS   SUPPLIERS   HEREBY   DISCLAIM   ALL WARRANTIES   AND   CONDITIONS   WITH   REGARD   TO   THIS   INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CM&F GROUP, INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL,   SPECIAL,   CONSEQUENTIAL   DAMAGES   OR   ANY   DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES   AND   RELATED   GRAPHICS OBTAINED   THROUGH   THE   SITE,   OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CM&F GROUP, INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE   TERMS OF   USE,   YOUR   SOLE   AND   EXCLUSIVE   REMEDY   IS   TO DISCONTINUE USING THE SITE.

Termination/access restriction

CM&F reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New York and you hereby consent to the exclusive jurisdiction and venue of courts in New York in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and CM&F as a result of this agreement or use of the Site. CM&F's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of CM&F's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by CM&F with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and CM&F with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and CM&F with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

CM&F reserves the right, in its sole discretion, to change the Terms under which www.cmfgroup.com is offered. The most current version of the Terms will supersede all previous versions. CM&F encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

CM&F welcomes your questions or comments regarding the Terms:

CM&F Group, Inc.
99 Hudson Street, 12TH Floor
New York, New York 10013

Email Address:
info@cmfgroup.com

Telephone number:
1-800-221-4904

Effective as of November 04, 2016