Welcome to the website of Montege Risk Services Corporation ("Montege Risk," "we," "us," or "our").
These Terms of Service ("Terms") govern your access to and use of our website located at [www.montegerisk.com] (the "Site") and any services, content, information, and features made available through the Site (collectively, the "Services").

Please read these Terms carefully before using our Site. By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not access or use the Site.

If you have any questions about these Terms, you may contact us at contact@montegerisk.com.

1. Eligibility

You must be at least 18 years old to access or use this Site. By accessing or using the Site, you represent and warrant that you are of legal age and have the authority to enter into these Terms.

2. Changes to Terms

We reserve the right to modify these Terms at any time in our sole discretion. We will post updated Terms on this page and update the "Effective Date" above. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. We encourage you to review the Terms periodically.

3. Use of the Site

Subject to these Terms, Montege Risk grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site solely for your personal, non-commercial use.

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
• Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity.
• Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site, through hacking, password mining, or any other means.
• Upload or transmit viruses, worms, defects, Trojan horses, malware, or any items of a destructive nature.
• Use any automated means, such as robots, crawlers, or scrapers, to access the Site or extract data without our express written permission.

We reserve the right to terminate or suspend your access to the Site for any or no reason, including if you violate any provision of these Terms.

4. Intellectual Property

All content and materials on the Site, including text, graphics, logos, images, software, and designs ("Content"), are owned by or licensed to Montege Risk and are protected by intellectual property laws.

You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Content without our prior written permission, except for personal, non-commercial use.
• Remove, obscure, or alter any copyright, trademark, or other proprietary rights notices contained in the Content.

"Montege Risk Services Corporation," "Montege Risk," our logo, and all related names and marks are trademarks of Montege Risk. You may not use them without our prior written consent.

5. Third-Party Links

Our Site may contain links to third-party websites or resources. Montege Risk is not responsible for the content, policies, or practices of any third parties. We provide these links solely as a convenience, and your use of such third-party sites is at your own risk.

6. Disclaimers

The Site and Services are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied.

Montege Risk disclaims all warranties, including:

• Warranties of merchantability, fitness for a particular purpose, non-infringement, and title.
• Warranties that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components.
• Warranties regarding the accuracy, completeness, or reliability of any information available through the Site.

Your use of the Site and any action you take based on information from the Site is at your sole risk.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Montege Risk and its officers, directors, employees, agents, and affiliates will not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages.
• Any loss of profits, revenue, business, data, or goodwill.
• Any damages arising out of or related to your access to, use of, or inability to access or use the Site, even if we have been advised of the possibility of such damages.

In no event shall Montege Risk’s total liability for all claims relating to the Site exceed one hundred U.S. dollars (USD $100).

8. Indemnification

You agree to indemnify, defend, and hold harmless Montege Risk and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms.
• Your use or misuse of the Site.
• Your violation of any third-party rights, including intellectual property rights.

9. Privacy

Your use of the Site is also governed by our Privacy Policy. By using the Site, you consent to the collection, use, and sharing of your information as described in the Privacy Policy.

10. Governing Law and Jurisdiction

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

You agree that any dispute arising under these Terms will be resolved exclusively in the federal or state courts located in New York, and you consent to the jurisdiction of such courts.

11. Termination

We may suspend or terminate your access to the Site at any time, without notice or liability, for any reason, including if we believe you have violated these Terms.

Upon termination, your right to use the Site will immediately cease.

12. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and Montege Risk regarding your use of the Site.
• Waiver: Our failure to enforce any provision of these Terms shall not be a waiver of such provision.
• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• Assignment: You may not assign your rights or obligations under these Terms without our prior written consent.

13. Contact Information

If you have any questions about these Terms, please contact us at:
📧 Email: contact@montegerisk.com

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