By using or downloading information from this site, you have read and understood these Terms of Use and the Privacy Statement and agree to be bound by them. If you do not agree with any part of these Terms of Use or the Privacy Statement in this site, you should not use this site. The entire contents of C.T.I sites are copyrighted as a collective work or compilation. C.T.I owns copy right in the selection, coordination, arrangement and enhancement of its contents as well as in the content original to it. No students may modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit any of the content in whole or in part. Students may download once single copy of the copyrighted material for personal or non-commercial use only. Except as otherwise permitted under copy right law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the written permission of  C.T.I . In the event of any permitted copy, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, copyright or other proprietary notice shall be made. A student acknowledges that he does not acquire any ownership rights by down loading copyrighted materials. By using or down loading information from this site; you agree to use our services in a manner consistent with all rules and regulations and in accordance with these Terms of Use.

Certain areas of this site provide users an opportunity to post messages or other information. But C.T.I has no obligation to screen, edit or review such postings prior to their appearance on the site. These postings do not necessarily reflect the views of C.T.I.  C.T.I shall in no event have any responsibility or liability for the postings or for any claims, damages or loses resulting from their use and /or appearance in this site. The postings are accessible and viewable to the general public and other users of this site. C.T.I reserves the right to monitor all postings and to remove anything which it considers in its absolute discretions to be offensive or otherwise in breach of these terms of use. You here by represent and warrant that you have all necessary rights in and to all postings and all materials in contain; that your postings shall not contain any viruses or other contaminating or destructive devices or features; that your postings shall not contain any defamatory, indecent, offensive or otherwise unlawful material or content and that your postings shall not be used to carry out or solicit any unlawful activity and /or be used to make commercial solicitation.

You understand and agree that:

You may have received a limited time of free service and some other trial period offer. Unless we notify you otherwise, if you are participating in any trial period offer, you must cancel the service by the end of the trial period to avoid incurring charges.

The price for the service excludes some special features, unless stated otherwise. These special features and the charges are published in our site from time to time. We may change the fee structure from time to time, but we will inform you in advance. If you do not agree to these changes you must cancel and stop using this service before the changes take place. If you cancel your service, then your service ends at the end of your current service time- length ( term) or if you are being billed on a term basis, at the end of the term  in which you have cancelled.

All charges are non-refundable. Users shall be responsible for obtaining and maintaining all telephones, internet charges, computer hardware, and other equipment needed for access to and use of the C.T.I Sites and for any/all charges related thereto.