Terms & Conditions

Effective Date: February 11, 2026
Last Updated: February 11, 2026

These Terms & Conditions (“Terms”) govern your access to and use of
https://www.ctrca.com/ (the “Site”) and any related services, content, or
products provided by CTRCA (“we,” “our,” “us”).
By using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1) Eligibility

You must be at least the age of majority in your jurisdiction to use this Site. By using the Site, you represent
that you meet this requirement.

2) Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date above reflects the latest changes.
Your continued use of the Site after changes are posted means you accept the updated Terms.

3) Services & Information Disclaimer

The Site may provide information about our services and general content for informational purposes only.
Unless explicitly stated in writing, nothing on the Site constitutes professional, legal, financial, or medical advice.
You are responsible for how you use the information on the Site.

4) Accounts (If Applicable)

If you create an account, you agree to provide accurate information and keep it updated. You are responsible for
maintaining the confidentiality of your login credentials and for all activity under your account.
We may suspend or terminate accounts that violate these Terms.

5) Orders, Payments & Refunds (If Applicable)

If you purchase products or services through the Site:

  • Prices and availability may change without notice.
  • Payments may be processed by third-party payment providers.
  • Refund eligibility, if any, will be described at checkout or in a separate written agreement.

If you do not currently sell anything on the Site, you may remove this section.

6) Acceptable Use

You agree not to use the Site to:

  • Violate any applicable law or regulation
  • Infringe intellectual property or privacy rights
  • Upload or transmit malware, spam, or harmful code
  • Attempt unauthorized access to the Site or systems
  • Scrape, harvest, or collect data from the Site without permission
  • Interfere with or disrupt the Site, servers, or networks
  • Impersonate any person or misrepresent your affiliation

7) Intellectual Property

Unless otherwise noted, all content on the Site (text, graphics, logos, images, videos, layouts, and design)
is owned by or licensed to CTRCA and protected by intellectual property laws.
You may view and use the Site for personal or internal business purposes only.
You may not copy, reproduce, republish, distribute, or create derivative works without our prior written consent.

8) User Content (If Applicable)

If you submit content through the Site (e.g., forms, comments, uploads), you grant us a non-exclusive, worldwide,
royalty-free license to use, reproduce, and display that content only as necessary to operate the Site and provide
services. You represent that you have the rights to submit such content.

9) Third-Party Links & Tools

The Site may include links to third-party websites or integrations. We do not control and are not responsible for
third-party content, policies, or practices. Your use of third-party services is at your own risk.

10) Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it here:
Privacy Policy
(update this link to match your actual page URL).

11) Disclaimer of Warranties

The Site and all content are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind,
whether express or implied, including implied warranties of merchantability, fitness for a particular purpose,
and non-infringement. We do not guarantee that the Site will be uninterrupted, error-free, or secure.

12) Limitation of Liability

To the fullest extent permitted by law, CTRCA and its owners, employees, contractors, and partners will not be
liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data,
goodwill, or business opportunities arising out of or related to your use of (or inability to use) the Site.

To the fullest extent permitted by law, our total liability for any claim related to the Site will not exceed
the amount you paid to us (if any) for use of the Site or services in the twelve (12) months before the claim arose.

13) Indemnification

You agree to indemnify, defend, and hold harmless CTRCA from and against any claims, liabilities, damages, losses,
and expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms,
or your violation of any rights of another.

14) Termination

We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have
violated these Terms or if required to protect the Site, other users, or our rights.

15) Governing Law

These Terms are governed by the laws of the jurisdiction where CTRCA operates, without regard to conflict of law rules.
(Optional: Replace this with a specific province/state/country if you want.)

16) Dispute Resolution

Where permitted by law, you agree to first contact us to attempt to resolve disputes informally.
If not resolved, disputes may be handled in the courts located in the jurisdiction described above,
unless a separate written agreement states otherwise.

17) Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

18) Entire Agreement

These Terms, along with our Privacy Policy and any additional policies posted on the Site, form the entire agreement
between you and CTRCA regarding the Site.

19) Contact Us

If you have questions about these Terms, contact us: