Terms of Use

Last Updated: March 20, 2026

These Terms of Use (“Terms”) govern your access to and use of the website operated by VTC GROUP (“VTC GROUP”, “we”, “us”, or “our”) at insert your domain, www.vtc-group.com (the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use the Site.

1. Use of the Site
1.1. Eligibility
You may use the Site only if you:
   •    Are at least 18 years old (or the age of majority in your jurisdiction), and
   •    Have the legal authority to agree to these Terms on your own behalf or on behalf of the organization you represent.

By using the Site, you represent and warrant that you meet these requirements.

1.2. Permitted Use
Subject to these Terms, VTC GROUP grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for lawful purposes, including:
   •    Learning about VTC GROUP and our services
   •    Downloading or viewing materials we make available for informational purposes
   •    Contacting us to inquire about potential engagements
Any other use of the Site or its content is prohibited unless expressly authorized in writing by VTC GROUP.

1.3. Prohibited Use
You agree not to:
   •    Use the Site for any unlawful, fraudulent, or malicious purpose
   •    Attempt to gain unauthorized access to any portion of the Site, accounts, systems, or networks
   •    Interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available
   •    Introduce viruses, malware, or other harmful code
   •    Use any automated means (such as bots, spiders, or scrapers) to access the Site or collect information, except as expressly permitted by applicable law
   •    Reverse engineer, decompile, or disassemble any part of the Site
   •    Remove, alter, or obscure any proprietary notices on the Site

VTC GROUP may, at any time and without notice, suspend or terminate your access to the Site for any reason, including any violation of these Terms.

2. No Professional Advice or Client Relationship
The content on the Site is provided for general informational purposes only and does not constitute professional advice (including consulting, financial, legal, tax, or other advice).
Use of the Site or communication with VTC GROUP via the Site does not create a client, advisory, or other professional relationship between you and VTC GROUP.
Any engagement with VTC GROUP will be governed by a separate written agreement, not by this Site or its content.

3. Intellectual Property
3.1. Ownership
The Site and all content on it—including text, graphics, logos, icons, images, audio clips, video, data compilations, software, and the design and arrangement of these elements—are owned by or licensed to VTC GROUP and are protected by United States and international copyright, trademark, and other intellectual property laws.
All rights not expressly granted in these Terms are reserved by VTC GROUP.

3.2. Limited License to Site Content
You may:
   •    View the Site and its content for your internal, non-commercial use, and
   •    Download or print reasonable copies of materials that we make available, solely for your internal reference, provided you do not remove or alter any copyright, trademark, or other proprietary notices.
You may not:
   •    Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any content from the Site, except as expressly permitted in these Terms
   •    Use any content for commercial purposes without VTC GROUP’s prior written consent
   •    Claim any rights in, or ownership of, Site content or any trademarks or service marks of VTC GROUP

3.3. Trademarks
The VTC GROUP name, logo, and any related names, logos, product and service names, designs, and slogans are trademarks or service marks of VTC GROUP. Other names, logos, and marks may be trademarks of their respective owners.
You may not use any VTC GROUP trademarks without our prior written permission.

4. User Submissions and Feedback
4.1. Information You Provide
If you submit, upload, or provide any information, content, or materials to VTC GROUP via the Site (such as through contact forms, email, or other means), you are responsible for ensuring that such information is accurate, lawful, and does not infringe the rights of any third party.
You agree not to submit any confidential or proprietary information through the Site unless specifically requested by VTC GROUP in that context.

4.2. Feedback
If you provide VTC GROUP with any feedback, suggestions, ideas, or other comments regarding the Site or our services (“Feedback”), you understand and agree that:
   •    VTC GROUP may use such Feedback for any purpose, without obligation or compensation to you
   •    You grant VTC GROUP a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and incorporate the Feedback into our services or the Site

5. Third-Party Content and Links
The Site may contain links to third-party websites, services, or content that are not owned or controlled by VTC GROUP. These links are provided for convenience only.
VTC GROUP is not responsible for:
   •    The content, accuracy, or privacy practices of third-party sites or services
   •    Any products or services offered by third parties
Your use of third-party sites and services is at your own risk and subject to their terms and policies.

6. Disclaimers
6.1. No Warranties
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES AVAILABLE THROUGH THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, VTC GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
   •    WARRANTIES OF MERCHANTABILITY
   •    FITNESS FOR A PARTICULAR PURPOSE
   •    NON-INFRINGEMENT
   •    TITLE
   •    AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE
VTC GROUP DOES NOT WARRANT THAT:
   •    THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
   •    DEFECTS WILL BE CORRECTED
   •    THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
   •    THE CONTENT ON THE SITE IS COMPLETE, ACCURATE, OR CURRENT

You are responsible for implementing appropriate safeguards (such as antivirus protection) to protect your devices and information.

6.2. No Guarantees of Outcomes
Any examples, case studies, or described outcomes on the Site are illustrative and do not guarantee or predict future results. Actual results may differ based on numerous factors specific to each client engagement.

7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VTC GROUP, ITS AFFILIATES, AND THEIR RESPECTIVE PARTNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY:
   •    INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR
   •    ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, OR GOODWILL
ARISING OUT OF OR IN CONNECTION WITH:
   •    YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE, OR
   •    ANY CONTENT OR MATERIALS ON THE SITE
EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, VTC GROUP’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100) OR THE AMOUNT YOU PAID TO VTC GROUP (IF ANY) FOR ACCESS TO THE SITE, WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

8. Indemnification
You agree to indemnify, defend, and hold harmless VTC GROUP, its affiliates, and their respective partners, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with:
   •    Your access to or use of the Site
   •    Your violation of these Terms
   •    Your violation of any rights of another person or entity
VTC GROUP reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with VTC GROUP in asserting any available defenses.

9. Changes to the Site and Terms
VTC GROUP may, at any time and without notice:
   •    Modify, update, or discontinue the Site or any part of it
   •    Modify these Terms
When we update these Terms, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically.

10. Governing Law and Jurisdiction
These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of insert state, e.g., Delaware or your home state, United States, without regard to its conflict of law principles.
Subject to any applicable laws, you agree that any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in insert state and county, e.g., New York County, New York, and you consent to the personal jurisdiction of such courts.

11. Termination
VTC GROUP may, in its sole discretion and without notice, suspend or terminate your access to all or part of the Site for any reason, including but not limited to:
   •    Violation of these Terms
   •    Suspected fraudulent or unlawful activity
   •    Site maintenance or security needs
Upon termination, your right to access and use the Site will immediately cease. The provisions of these Terms that by their nature should survive termination (such as intellectual property, disclaimers, limitations of liability, and governing law) will continue to apply.

12. United States Use; International Users
The Site is controlled and operated by VTC GROUP from the United States and is primarily intended for users located in the United States.
If you access the Site from outside the United States, you are responsible for compliance with all local laws that apply to you. VTC GROUP makes no representation that the Site or its content is appropriate or available for use in other locations.

13. Entire Agreement
These Terms, together with any other legal notices or policies referenced or posted on the Site (including our Privacy Policy), constitute the entire agreement between you and VTC GROUP regarding your use of the Site and supersede any prior or contemporaneous understandings, agreements, or communications regarding such subject matter.

14. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

15. No Waiver
No failure or delay by VTC GROUP in enforcing any provision of these Terms will be deemed a waiver of any right or provision. Any waiver must be in writing and signed by an authorized representative of VTC GROUP.

16. Contact Us
If you have any questions about these Terms or the Site, please contact VTC GROUP at:
VTC GROUP
Email: info@vtc-group.com
Address: insert business address, e.g., Florham Park, NJ, USA