Terms of Use

Welcome to CT Banking Guide. By accessing or using our website at ct-banking-guide.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing and using this Site, you accept and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

2. Description of Service

CT Banking Guide is an independent informational website that provides educational content about banking options in Connecticut. We offer:

• General information about community banks and credit unions
• Educational content about banking products and services
• Guidance on factors to consider when choosing a financial institution
• Links to third-party financial institution websites

3. Important Disclaimers

4. Affiliate Disclosure

5. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of CT Banking Guide or its content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print content from the Site for personal, non-commercial use only. You may not:

• Modify, copy, distribute, or reproduce content without permission
• Use content for commercial purposes
• Remove copyright or proprietary notices
• Transfer content to another person or website

6. Trademarks

All trademarks, service marks, and trade names mentioned on this Site are the property of their respective owners. References to these marks are for informational purposes only and do not imply:

• Endorsement or sponsorship by the trademark owner
• Affiliation with the trademark owner
• Authorization to use the trademark

Specific Disclaimer: Chelsea Groton Bank and all related trademarks are the property of Chelsea Groton Bank. We are not affiliated with, endorsed by, or sponsored by Chelsea Groton Bank.

7. Third-Party Links

Our Site contains links to third-party websites, including financial institutions. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for:

• The content of third-party websites
• The privacy practices of third-party websites
• The products or services offered by third parties
• The accuracy or reliability of third-party information

When you click on external links, you leave our Site and are subject to the terms and policies of the external site. We encourage you to review the terms and privacy policies of any third-party sites you visit.

8. User Conduct

You agree not to use the Site to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code, viruses, or malware
• Attempt to gain unauthorized access to our systems
• Interfere with the Site's operation
• Collect user information without consent
• Impersonate any person or entity
• Post false, misleading, or defamatory content

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CT BANKING GUIDE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from your use of or inability to use the Site
• Damages resulting from reliance on information provided on the Site
• Damages resulting from third-party websites or services
• Errors, omissions, or inaccuracies in Site content

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties that the Site will be uninterrupted or error-free
• Warranties that defects will be corrected

11. Indemnification

You agree to indemnify, defend, and hold harmless CT Banking Guide and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

12. Changes to the Site

We reserve the right to modify, suspend, or discontinue the Site (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Site.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Connecticut.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CT Banking Guide regarding your use of the Site.

16. Contact Information

If you have questions about these Terms, please contact us:

Email: contact@niccoinc.org
Location: Connecticut, USA

17. Acknowledgment

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.