Terms and Conditions

 Effective Date: October 2025

Acceptance of Terms
These Terms and Conditions constitute a binding agreement between you (“User”) and CIB Nation LLC (“Company,” “we,” “our,” or “us”). By accessing or using our website or services, you acknowledge and agree to be bound by these Terms. If you do not agree, you must immediately discontinue use of our services.

Services
CIB Nation LLC provides [insert description of services or products]. The Company reserves the right to modify, suspend, or discontinue any part of its services at any time without prior notice or liability.

Eligibility
Use of our services is limited to individuals who are at least 18 years of age or have parental or guardian consent. By using our services, you represent and warrant that you meet this requirement.

User Obligations
You agree not to misuse our website or services. Prohibited conduct includes but is not limited to using services for unlawful purposes, attempting to gain unauthorized access to systems or data, submitting false or misleading information, and violating intellectual property rights.

Accounts and Security
You may be required to create an account to access certain services. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account. You must notify us immediately if you suspect unauthorized use of your account.

Payment Terms
All fees are due in accordance with the payment terms specified at the time of purchase. Payments must be made through approved payment processors. Unless otherwise required by applicable law or expressly provided in a refund policy, all payments are non-refundable.

Intellectual Property
All content, trademarks, logos, software, and materials provided by CIB Nation LLC are the exclusive property of the Company or its licensors. No license or right to use such intellectual property is granted without prior written consent.

Disclaimers
Services are provided on an “as is” and “as available” basis. The Company disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability
To the fullest extent permitted by law, CIB Nation LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, or data, arising from the use of or inability to use our services.

Indemnification
You agree to indemnify, defend, and hold harmless CIB Nation LLC, its officers, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or related to your use of the services or your violation of these Terms.

Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of laws principles. Any dispute shall be subject to the exclusive jurisdiction of the state and federal courts located in Cleveland, OH.

Termination
The Company may suspend or terminate your access to the services at any time and without prior notice if you breach these Terms. Upon termination, provisions relating to intellectual property, indemnification, limitation of liability, and governing law shall remain in effect.

Force Majeure
The Company shall not be held responsible for delays or failure to perform resulting from causes beyond its reasonable control, including natural disasters, labor disputes, internet outages, government orders, or acts of God.

Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and CIB Nation LLC and supersede all prior understandings, agreements, or representations, whether written or oral.

Modifications
CIB Nation LLC reserves the right to amend these Terms at any time. Modifications shall be effective immediately upon posting on the website. Continued use of the services after modifications are posted constitutes acceptance of the revised Terms.

Contact Information:
CIB Nation LLC
539 124th Street Cleveland, OH
[email protected]