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User Agreement for UST Reports

1. Agreement and General Terms of Use

1.1 This User Agreement constitutes the agreement between Croneal Consulting Group and the subscriber or user ("you," "your," "user," "visitor," "basic member," "full member") who accesses or establishes a connection to UST Reports. UST Reports is an online subscription-based database providing its members with access to a comprehensive library of enacted laws, adopted regulations, and bulletins by the legislatures and insurance departments of American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the Virgin Islands. "You," "your," "user," "visitor," "basic member," or "full member," means an adult user of UST Reports for itself and you as parent or guardian for any minor which you allow to access UST Reports, for whom you will be held strictly responsible. A "basic member" is a member who has registered on the Croneal Consulting Group site but only has free access to specific parts of UST Reports. A "full member" has registered on the site and has paid for unlimited access to the entire components of UST Reports.

1.2 You agree to abide by all of the provisions in this Agreement in order to remain an authorized user of UST Reports, and your use of UST Reports constitutes your agreement to abide by these provisions. Distribution of your user name or password to unauthorized persons (excluding employees of the same company) for access to UST Reports is prohibited and may result in termination of your account or other liability. Your use of UST Reports indicates that you are bound by this agreement with us. If you do not agree with any of these terms and conditions, discontinue use of UST Reports.

1.3 Croneal Consulting Group reserves the right, in its sole discretion, to change any or all of the provisions of this Agreement at any time. Croneal Consulting Group will make the current Agreement available as a link on its subscription page for UST Reports. The Agreement in effect at the time of your use of UST Reports shall govern your use of UST Reports after the effective date of any changes to this Agreement will be deemed your acceptance of the changes. If you do not want to be bound by a change, discontinue use of UST Reports.

1.4 Croneal Consulting Group reserves the right, in its sole discretion, to change, limit, or discontinue any aspect, content, tool, or feature that is a part of UST Reports. Croneal Consulting Group further reserves the right, in its sole discretion, to restrict the use of UST Reports as well as suspend or revoke your rights to use UST Reports based on Croneal Consulting Group's belief that your use of UST Reports violates that permitted by this Agreement or applicable law.

1.5 IF YOU DO NOT AGREE TO THE PROVISIONS OF THIS AGREEMENT OR ARE NOT SATISFIED WITH UST REPORTS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE YOUR USE OF UST REPORTS.

2. Subscription, Fees and Payments, Free Trial Use

2.1 As part of the subscription process, you will be e-mailed a username and a password granting you access to Croneal Consulting Group's UST Reports. You will be responsible for the confidentiality and use of your username and password and agree not to transfer or resell your use of or access to UST Reports to any third-party. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD AND ENTIRELY RESPONSIBLE FOR ANY AND ALL ACTIVITIES THAT ARE CONDUCTED THROUGH YOUR ACCOUNT.

2. 2 If you become a paid member ("subscriber, subscribers, member, members,") of any of UST Reports, you will be bound by the payment terms set forth herein.

2.3 Except as set forth herein or as described by offers we make from time to time, access to the entire UST Reports requires payment. If you subscribe, you must provide accurate, complete and updated subscriber information. You will pay Croneal Consulting Group for all fees, charges, and any applicable taxes, associated with UST Reports in accordance with the current rates, payment terms, and policies specified by Croneal Consulting Group in the applicable UST Reports enrollment screens and online help areas. You acknowledge that you will pay Croneal Consulting Group all such fees, charges, and applicable taxes for UST Reports where enrollment in UST Reports has been made using your credit card or other means, whether made by you personally or by someone else in your household or organization on your behalf. If you enroll in UST Reports using a credit card, you certify to Croneal Consulting Group that you are at least 18 years of age and that you are the cardholder of the credit card, or that you are certifiably at least 13 years of age and expressly authorized by the cardholder to enroll in UST Reports.

2.4 You further acknowledge that your obligation to pay Croneal Consulting Group all such fees, charges, and applicable taxes for UST Reports does not depend on usage of UST Reports, and that you remain obligated to pay Croneal Consulting Group for UST Reports regardless of whether UST Reports is used or not. Unless you enroll as part of a free trial, your obligation to pay for UST Reports begins on the date of your enrollment in UST Reports, not the date of your first use of UST Reports. If made available, free trial or free access periods to use UST Reports also begin on the date of your enrollment in the free trial for UST Reports, and not the date of your first use of it.

You may not cancel your subscription to UST Reports mid-term after enrollment. However, you can decide not to renew your subscription after it automatically terminates after a one-year period.

2.5 The price you pay for UST Reports is stipulated at the time you enroll in such UST Reports and is valid for the initial period for which you enrolled in UST Reports. Croneal Consulting Group reserves the right to change the price paid for a monthly or annual subscription after the initial enrollment period. 

2.6 If you obtained your subscription through a corporate subscription or other promotional code, you must comply with the terms of that subscription. You agree not to disclose your promotional code to other persons. Croneal Consulting Group reserves the right to cancel a subscription redeemed through a corporate subscription or other promotional code if we determine that the user of the promotional code was not the intended recipient of that code. We also reserve the right to seek compensation from individuals who share or disseminate their promotion codes contrary to this policy.

3. Trademark

3.1UST Reports and all content and tools provided by Croneal Consulting Group on UST Reports are protected by copyright, trademark and/or other applicable intellectual property and proprietary rights laws and are owned, controlled, and/or licensed by Croneal Consulting Group. All trademarks appearing on UST Reports are the property of their respective owners. You agree not to use any trademarks or copyrighted material without express written permission of Croneal Consulting Group.

3.2 If you operate a web site and wish to link to UST Reports, you must link to UST Reports's home page unless permission otherwise has been granted in writing by Croneal Consulting Group. You can contact Croneal Consulting Group for this permission. Croneal Consulting Group reserves the right to reject or terminate any links to UST Reports. While our web site may have links to the web sites of other companies and parties, Croneal Consulting Group has no control over those web sites. Croneal Consulting Group is not responsible or liable for any content, advertising, products, services or other materials on or available from those web sites. Croneal Consulting Group is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, advertising, products, services or other materials on those web sites.

3.3 You may search, retrieve, display, download to your area on UST Reports, and print content from UST Reports solely for your personal or business use. You may not download electronic copies of our content for any purpose other than those permitted by Fair Use or otherwise by law. You shall make no other use of the content without the express written permission of Croneal Consulting Group. You will not modify, publish, distribute, transmit, participate in the transfer or sale, translate, create derivative works, or in any way exploit other than as set forth herein, any of the content, tools or technology, in whole or in part, found on UST Reports. Further, you shall not engage in any systematic downloading or other activity directed towards any of the content, in whole or in part, found on UST Reports that would create any electronic database or archive containing such content. You shall not make any changes to any content that you are permitted to use under this Agreement, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You also will not "frame" any of the content, tools or technology on UST Reports or UST Reports themselves without the express written permission of Croneal Consulting Group. You agree that you do not acquire any ownership rights in any downloaded content. You further agree that all rights in UST Reports and any of the content found on UST Reports not granted to you under this Agreement are expressly reserved to Croneal Consulting Group and/or its licensors.

3.4 In searching UST Reports, you shall not employ any automated search tools, including so called "crawlers," "bots" and "spiders" that programmatically access and extract content in order to repurpose or resell UST Reports content and tools, nor may you "scrape" and/or reformat any information off UST Reports HTML pages or XML interface, including meta tags, results pages, abstracts, and documents except as permitted by our FAQs without the express written permission of Croneal Consulting Group. 

4. User Activities and Privacy of User Information on UST Reports

4.1 You will use UST Reports and any tools, content, material, or information found on UST Reports solely for lawful purposes. You shall not upload to, distribute to or through, or otherwise disseminate through UST Reports any material or information of any kind that is libelous, defamatory, obscene, pornographic, abusive, or otherwise violates any law or infringes or violates any privacy or other rights of any other person or entity, or contains a solicitation of funds, advertising, or a solicitation for goods or services.

4.2 Croneal Consulting Group has no obligation to, and does not and cannot, review every item of material or information that you and users other than you make available through UST Reports, and Croneal Consulting Group is not responsible for any content of this material or information. However, Croneal Consulting Group reserves the right to delete, move, or edit any material or information that it deems, in its sole discretion, unacceptable, libelous, defamatory, obscene, pornographic, abusive, or otherwise in violation of any law or that infringes or violates any privacy or other rights of any person or entity. Further, Croneal Consulting Group reserves the right at all times to disclose any material or information as necessary to satisfy any law, regulation, or governmental request.

5. Disclaimer of Warranties & Limitation of Liability

5.1 YOU EXPRESSLY AGREE THAT USE OF UST REPORTS IS AT YOUR SOLE RISK. NEITHER CRONEAL CONSULTING GROUP NOR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS) WARRANT THAT UST REPORTS WILL BE UNINTERRUPTED OR ERROR FREE OR THAT THEY WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF UST REPORTS, OR AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENTS OF ANY CONTENT, INFORMATION, MATERIAL, POSTINGS, OR POSTING RESPONSES FOUND ON UST REPORTS, ANY MERCHANDISE OR UST REPORTS PROVIDED THROUGH UST REPORTS, OR ANY LINKS TO OTHER SITES OR UST REPORTS MADE AVAILABLE ON UST REPORTS.

5.2 UST REPORTS, ALL TOOLS, CONTENT, MATERIAL, INFORMATION, POSTINGS, OR POSTING RESPONSES FOUND ON UST REPORTS ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

5.3 UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR GROSS OR WILLFUL NEGLIGENCE, SHALL CRONEAL CONSULTING GROUP (OR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, ANY CONTENT, INFORMATION, MATERIAL, POSTINGS, OR POSTING RESPONSES ON UST REPORTS, OR UST REPORTS ITSELF. THESE LIMITATIONS APPLY REGARDLESS OF WHETHER THE PARTY LIABLE OR ALLEGEDLY LIABLE WAS ADVISED, HAD OTHER REASON TO KNOW, OR IN FACT KNEW OF THE POSSIBILITY OF SUCH DAMAGES. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT CRONEAL CONSULTING GROUP (AND ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER, INCLUDING YOU. IN NO EVENT SHALL THE TOTAL LIABILITY OF CRONEAL CONSULTING GROUP (OR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS)) TO YOU EXCEED THE AMOUNT PAID BY YOU TO CRONEAL CONSULTING GROUP DURING THE TWELVE (12) MONTHS PRIOR TO ANY CLAIM OF INJURY OR DAMAGE.

6. Indemnification

6.1 To the maximum extent permitted by applicable law, you will defend, indemnify and hold harmless Croneal Consulting Group (and any of its parents, subsidiaries, affiliates, directors, officers, employees, agents, distributors, third-party providers, and licensors (and their respective directors, officers, employees, and agents)) from and against all claims, liability, and expenses, including attorneys' fees and legal fees and costs, arising out of your use of UST Reports or your breach of any provision of this Agreement. Croneal Consulting Group reserves the right, in its sole discretion and at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You will cooperate as fully as reasonably required in the defense of any claim.

7. Third-Party Content, Third-Party Providers, Advertising and Links

7.1 UST Reports includes a number of third-party providers for content. Croneal Consulting Group makes no warranty concerning content provided by third-party providers.

7.2 Parts of UST Reports may also contain advertising or other third-party content. Advertisers are responsible for ensuring that material submitted for inclusion with UST Reports complies with international and national law. Croneal Consulting Group is not responsible for any third-party content or error, omission or inaccuracy in any advertising material. UST Reports may contain links to other web sites. Croneal Consulting Group is not responsible for the availability of these web sites or their contents.

8. Site Security

8.1 You may not violate or attempt to violate the security of UST Reports, including by, without limitation (a) accessing data not intended for you or logging into a server or account with you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with UST Reports to any user, host or network, including, without limitation, via means of submitting a virus to UST Reports, overloading, conducting "denial of UST Reports attacks", "flooding", "spamming", "mail bombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, (e) forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting, or (f) attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of UST Reports. Violations of system or network security may result in civil or criminal liability. Croneal Consulting Group will investigate occurrences which may violate such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

8.2 Fraud Policies and Information WARNING: We take fraud seriously. It is a crime to purchase any part of this UST Reports with a false name or with the use of an invalid credit card. (An invalid credit card is one that is created for the sole purpose of purchasing items or services illegally or using a credit card or its information, via theft or unauthorized use.) It is also illegal to misuse the charge back process to take advantage of UST Reports. If you are a victim of fraud or if you are a perpetrator, be aware that we will actively pursue and prosecute fraud offenders to the fullest extent of the law.

9. Contacting Us

9.1 You may contact us at customerservice@cronealconsultinggroup.com. If a response is necessary, we will contact you by sending electronic mail to the address you provide to us, or by posting a notice on UST Reports. This will never serve as legal notice or effective notice for cancellation purposes, all of which are governed by the above sections.

10. Termination

10.1 Croneal Consulting Group may terminate this Agreement and your use of UST Reports, or discontinue UST Reports, at any time. Croneal Consulting Group shall have the right immediately upon notice to you to terminate your use of UST Reports in the event of any conduct by you which Croneal Consulting Group, in its sole discretion, considers to be unacceptable, or in the event of any breach by you of this Agreement or violation of applicable law. In such event you will not be entitled to any refunds for unused services.

11. Law Governing Performance and Disputes

11.1 This Agreement, your performance under it, and any disputes arising under it shall be governed exclusively by the laws of the United States of America and the State of Illinois, without giving effect to their conflict of laws principles. You expressly consent to the exclusive forum, jurisdiction, and venue of the Courts of the State of Illinois in Cook County and the United States District Court for the Northern District of Illinois in any and all actions, disputes, or controversies relating to this Agreement.

12. General Terms

12.1 This Agreement and any policies and rules posted on UST Reports by Croneal Consulting Group constitute the complete and exclusive and final expression of the agreement of the parties with respect to the subject matter hereof. No waiver by either Croneal Consulting Group or you of any breach or default under this Agreement shall be deemed to be a waiver of any preceding or subsequent breach or default. This Agreement shall be binding upon and inure to the benefit of Croneal Consulting Group and its successors, trustees, and assigns. Croneal Consulting Group may assign this Agreement, or any of its rights or obligations under this Agreement, with or without notice to you. Any such assignment by Croneal Consulting Group does not relieve you of your obligations under this Agreement.

12.2 By submitting comments, you grant Croneal Consulting Group and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Croneal Consulting Group and its affiliates and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that use of the content you supply will not cause injury to any person or entity; and that you will indemnify Croneal Consulting Group or its affiliates for all claims resulting from the content that you supply, in accordance with Section 6 of this User Agreement.

12.3 You are advised that the content displayed within UST Reports is the property of third parties and may be protected by copyright and other applicable laws.