**Terms of Use**

**Effective Date:** [Insert Effective Date]

Welcome to Cato-USA. By accessing or using our website located at cato-usa.com (the “Site”), you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using the Site.

1. **Acceptance of Terms**
By accessing or using this Site, you represent that you have read, understood, and agree to be bound by these Terms of Use.

2. **Changes to Terms**
Cato-USA reserves the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use.

3. **Use of the Site**
You may use the Site for lawful purposes only. You agree not to use the Site in any way that violates any applicable federal, state, local, or international law or regulation.

4. **Intellectual Property**
All content on the Site, including but not limited to text, graphics, logos, and images, is the property of Cato-USA or its licensors and is protected by copyright, trademark, and other intellectual property laws.

5. **User Accounts**
If you create an account on the Site, you are responsible for maintaining the confidentiality of your account information and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account.

6. **Disclaimers**
The Site is provided on an “as is” and “as available” basis. Cato-USA makes no representations or warranties of any kind, express or implied, regarding the operation of the Site or the information, content, materials, or products included on the Site.

7. **Limitation of Liability**
To the fullest extent permitted by law, Cato-USA shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site.

8. **Indemnification**
You agree to indemnify and hold harmless Cato-USA, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, actions, liabilities, losses, damages, costs, or expenses arising out of your use of the Site or violation of these Terms of Use.

9. **Governing Law**
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

10. **Contact Information**
If you have any questions about these Terms of Use, please contact us at:

Cato-USA
4941 Rinehart Road,
Miami FL, US
Phone: 786-562-3112
Email: [email protected]

By using the Site, you acknowledge that you have read and understood these Terms of Use and agree to be bound by them.