Legal
Terms of Service
Last updated: June 2026
These Terms govern your use of the NTOA website and membership. By using this site or joining NTOA, you agree to these Terms.
1. Membership
NTOA memberships are offered directly and through Zion Underwriting. Pricing, benefits, and availability may change. Some benefits shown may be marked “coming soon” and are not yet active.
2. Use of the Site
You agree to use the site lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to any part of it.
3. Promotions & Giveaways
Promotions, giveaways, and discounts are subject to their stated start and end dates and any additional rules posted at the time. No purchase is necessary where prohibited by law.
4. Third-Party Links
The site links to third-party services (such as Zion Underwriting). We are not responsible for the content or practices of those services.
5. Disclaimers
The site and membership are provided “as is” without warranties of any kind to the fullest extent permitted by law.
6. Limitation of Liability
To the maximum extent permitted by law, NTOA is not liable for indirect or consequential damages arising from your use of the site or membership.
7. Changes
We may update these Terms from time to time. Continued use after changes constitutes acceptance.
8. Contact
Questions about these Terms? Email info@ntoassoc.com.
This document is provided for general information and is not legal advice. Please review with your own counsel before publishing.