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Welcome to ATIN Insurance Agency (“Company,” “we,” “us,” or “our”).

These Terms and Conditions (“Terms”) govern your access to and use of http://atininsurance.com (the “Website”) and all services, tools, products, content, and software provided by KOLECTIV DIGITAL (collectively, the “Services”).

By using our Website or Services, you agree to be bound by these Terms.

If you do not agree with these Terms, please stop using the Website and Services immediately.

1. Use of the Website

You must be at least 18 years old to use this Website and Services.

You agree to use the Website only for lawful purposes and in accordance with these Terms.

We reserve the right to refuse service, suspend accounts, or restrict access at our discretion.

2. Services

KOLECTIV DIGITAL provides software solutions, digital products, consulting services, marketing support, and digital transformation tools for businesses (“Client” or “Users”).

We may modify, improve, update, or discontinue any Services at any time, with or without notice.

3. Account Registration

To access certain Services, you may be required to create an account.

You agree to:

-provide accurate and complete information

-keep your login credentials confidential

-notify us immediately of unauthorized access

-You are responsible for all activities that occur under your account.

4. Payments & Billing

Depending on your selected plan or service agreement, fees may apply.

By ordering a paid service:

-you authorize us to charge your payment method

-recurring subscriptions renew automatically unless canceled

-all fees are non-refundable unless otherwise agreed in writing

-Pricing is subject to change with notice.

5. Intellectual Property

All content on the Website, including trademarks, logos, graphics, text, code, and product design, is the property of KOLECTIV DIGITAL or its licensors.

You may not:

-copy

-distribute

-modify

-reverse engineer

-resell

-any content, code, or technology from our Website without written consent.

6. User Content

-You may upload content, data, or materials to our platform.

-By submitting content, you grant KOLECTIV DIGITAL a non-exclusive, worldwide, royalty-free license to use, process, host, and display the content as needed to provide Services.

-You retain all rights to your content.

-You are solely responsible for the legality, accuracy, and copyright ownership of any uploaded material.

7. Third-Party Tools & Integrations

The Website may include links or integrations with third-party apps and services.

We are not responsible for external content privacy practices, availability, performance,

Your use of third-party services is at your own risk and subject to their terms.

8. Privacy

Your privacy is important to us.

Please review our Privacy Policy for details on how we collect, use, and protect your personal information.

Use of the Website indicates acceptance of our Privacy Policy.

9. Disclaimer & Limitation of Liability

KOLECTIV DIGITAL makes no warranties, express or implied, regarding:

accuracy, availability, performance, suitability of the Website or Services.

To the fullest extent permitted by law, KOLECTIV DIGITAL is not liable for:

-indirect damages

-loss of profit

-business interruption

-loss of data

-third-party actions

-Your use of the Services is at your sole risk.

10. Indemnification

You agree to indemnify and hold harmless KOLECTIV DIGITAL, its employees, vendors, contractors, officers, and affiliates from claims related to:

-misuse of the Website

-violation of these Terms

-infringement of intellectual property

-violation of law or third-party rights

11. Termination

We may terminate or suspend your account immediately for any violation of these Terms without notice.

-Upon termination, the licenses and access granted to you will end.

-Sections related to intellectual property, limitation of liability, and indemnification will survive termination.

12. Governing Law

These Terms are governed by and interpreted in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

Any disputes will be resolved exclusively through courts located in Los Angeles, CA.

13. Changes to Terms

We may update these Terms at any time.

The “Last Updated” date reflects the latest version.

Your continued use of the Website after changes means you accept the revised Terms.

14. Contact Information

For questions about these Terms, please contact us:

KOLECTIV DIGITAL

Email: [email protected]

Website: KOLECTIVDIGITAL.COM