Can't turn off Account, Contact, Opportunity creation?

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I'm using Click and Pledge on a customized version of Salesforce for river and watershed groups, which has triggers which fire on Contact creation. I've turned off Account, Contact (create and edit), and Opportunity creation on the CNP Settings page.

But when I create a new payment, CNP data lists the following error:

Insert failed. First exception on row 0; first error: CANNOT_INSERT_UPDATE_ACTIVATE_ENTITY, ManageContacts: execution of AfterInsert

caused by: System.DmlException: Insert failed. First exception on row 0; first error: REQUIRED_FIELD_MISSING, Required fields are missing: [AccountId]: [AccountId]

Class.ManageContacts.afterInsert: line 40, column 1
Trigger.ManageContacts: line 12, column 1: []

No transaction is created.

The Manage Contacts trigger only fires after the creation or editing of a new contact, so I figure that the CNP trigger to create the transaction must be creating or editing a contact anyway. My trigger conditions are pretty basic, and it seems to me that the trigger shouldn't be firing at all if the settings are all set to off.

//trigger ManageContacts on Contact (after insert, after update, before insert, before update, after delete) {
trigger ManageContacts on Contact (after insert, before delete) {
//enums declared in separate class -

if(Trigger.isInsert && Trigger.isAfter){
ManageContacts.AfterInsert(Trigger.New,Trigger.Old );
}

if(Trigger.isDelete && Trigger.isBefore){
ManageContacts.beforeDelete(Trigger.new,Trigger.ol d );
}

/* if(Trigger.isInsert && Trigger.isAfter){
ManageContacts.afterInsert(Trigger.New,Trigger.Old );
}

if(Trigger.isUpdate && Trigger.isBefore){
ManageContacts.beforeUpdate(Trigger.new, Trigger.old);
}

if(Trigger.isUpdate && Trigger.isAfter){
ManageContacts.afterUpdate(Trigger.new, Trigger.old);
}

*/
}

Any ideas what's going on here, CnP programmers?

thanks for your help,
Baird