Terms & Conditions

  1. Introduction
Welcome to the INSMART CIVICS ASSOCIATION NFP website ("Site"). By accessing or using our Site, you agree to comply with and be bound by these Terms and Conditions ("Terms"). If you do not agree with these Terms, please do not use our Site.

 2. Use of the Site
- **Eligibility**: You must be at least 18 years old to use our Site.
- **User Conduct**: You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
  - In any way that violates any applicable federal, state, local, or international law or regulation.
  - To exploit, harm, or attempt to exploit or harm minors in any way.
  - To transmit or procure the sending of any advertising or promotional material without our prior written consent.

 3. Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information. Please review our [Privacy Policy]() for more information.

 4. Intellectual Property Rights
The content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of INSMART CIVICS ASSOCIATION NFP or its licensors and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works of any content on the Site without our prior written consent.

 5. Disclaimers
- **No Warranty**: The Site is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the operation or availability of the Site or the accuracy, completeness, or reliability of any information on the Site.
- **Limitation of Liability**: To the maximum extent permitted by law, INSMART CIVICS ASSOCIATION NFP shall not be liable for any damages of any kind arising from the use of the Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

 6. Indemnification
You agree to indemnify, defend, and hold harmless INSMART CIVICS ASSOCIATION NFP, its officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Site.

 7. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Illinois and applicable federal laws of the United States, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Illinois.

 8. Changes to the Terms
We may revise these Terms from time to time at our sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

 9. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
- Email: admin@insmartservices.com
- Address: Chicago, IL 60653