Effective Date:  July-25th-2025

These Terms and Conditions (“Terms”) govern your access to and use of Civic Advisory Group’s website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Nature of Our Services

Civic Advisory Group is a neutral, third-party informational platform. We offer:

• Document verification and interpretation

• Account and service guidance

• Consumer education resources

We do not offer financial services, legal advice, collections, debt settlement, or renegotiation of balances. We also do not make payments on your behalf.

2. Eligibility

You must be at least 18 years old to use our services. By using our platform, you represent that you meet this age requirement.

3. User Responsibilities

By using our services, you agree:

• To provide accurate, current, and complete information

• To use the services for lawful purposes only

• Not to impersonate another person or misrepresent your affiliation

• Not to submit malicious, false, or fraudulent documents

We reserve the right to decline service to any individual who violates these terms.

4. Service Limitations

Our services are provided for informational purposes only. You understand and agree that:

• We are not responsible for decisions you make based on our guidance

• We do not guarantee the accuracy or outcome of third-party actions or decisions

• We do not intervene or represent you in legal, financial, or administrative disputes

5. Intellectual Property

All content on this website — including text, graphics, logos, icons, and resources — is the property of Civic Advisory Group or its licensors and is protected under applicable copyright and intellectual property laws. Unauthorized use or distribution is prohibited.

6. Third-Party Links and Resources

We may link to third-party websites or refer you to outside resources. Civic Advisory Group is not responsible for the content, availability, or accuracy of these third-party sites or services. Use them at your own discretion.

7. Disclaimers and Limitation of Liability

• No Warranties: Our services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including any warranties of accuracy, non-infringement, or fitness for a particular purpose.

• No Liability: Civic Advisory Group will not be held liable for any direct, indirect, incidental, or consequential damages resulting from the use of or inability to use our services, even if we’ve been advised of the possibility of such damages.

8. Termination

We reserve the right to suspend or terminate access to our services at any time, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to users or Civic Advisory Group.

9. Indemnification

You agree to indemnify and hold harmless Civic Advisory Group and its affiliates, staff, and service providers from any claims, liabilities, damages, or legal fees arising from your use of the site or services or your violation of these Terms.

10. Governing Law

These Terms are governed by and construed under the laws of the State in which Civic Advisory Group operates, without regard to conflict of law principles.

11. Changes to Terms

We may update these Terms at any time. Changes will be posted here with an updated effective date. Continued use of our services after any updates indicates your acceptance of the revised Terms.

12. Contact Information

For questions or concerns about these Terms:
legal@civicadvisory.org
(888) 555-1234