Use and Acceptance
Limited Audience/Information for Foreign Investors
This Site and the information contained in it is intended for the use of United States residents only, and is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would subject us to any registration or license requirement within such jurisdiction or country.
While certain products or services described in this Site may be provided in various countries by one or more of our companies where authorized and regulated as required within each jurisdiction, the information and Services described in this Site may not comply with legal requirements of foreign countries, therefore the Site, its contents and the Services are intended only for access and use by United States residents.
Accordingly, this Site and its contents are not intended, nor should be construed, as an offer or solicitation of services or products, or an endorsement thereof in any jurisdiction or in any circumstance that is otherwise unlawful or unauthorized. Your eligibility and qualifications for particular products or Services is subject to final determination by us and/or the applicable content provider.
Intellectual Property / Authorized Use
The Site and the Services contain copyrighted works, trademarks and other proprietary material owned by us or third party providers. We and our providers own all rights, title and interest in and to the Site, all the content, data and materials thereon, the look and feel, design and organization of the Site, and the compilation of the content, data, and materials on the Site, including all intellectual property and proprietary rights therein. You may use the material available from this Site and Services for informational purposes only. You may print copies of pages from this Site for your personal purposes, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied.
The availability of third party material on this Site is not to be used as a substitute for a license or services agreement directly with the relevant third party provider. Except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material from this Site or Services without our express written permission or that of our third party providers, as applicable ("Permission"). You also may not:
- modify, alter, revise, paraphrase, omit, or change any material on or from this Site or Services without Permission;
- create derivative works, whether based in whole or in part upon the material on this Site or Services, or any portion thereof, without Permission;
- modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation, or other license provision in material on or from this Site or Services; or
- link into or use for any public or commercial purpose materials on or obtained from this Site without Permission.
Nothing contained on this Site or Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to our trademarks or copyrighted material.
We may use various market indices, industry rankings, industry ratings or peer group comparisons on our Site. Most of these measurements are trademarks, service marks or copyrights of the sponsoring companies, and are licensed for our use. However, these companies do not sponsor, endorse, sell or promote our investment strategies or products, and make no representation regarding the advisability of investing in our products or strategies. For additional information about these measurements, please contact us.
Links to Other Web Sites
This Site may provide links to other websites that we think might be of interest to our users ("Linked Sites"). Links to Linked Sites are provided only as a convenience to users of this Site. Please note that when you click on a Linked Site, you may be moving to another provider's website. These Linked Sites and their providers are not controlled by us and we are not responsible for the contents or the operation of any Linked Site.
The information provided on this Site or in any Service is not financial, tax or legal advice and we do not give advice or offer any opinion with respect to the suitability of any security. All information available on or through this Site is provided for information purposes only, and no reference to any specific security constitutes a recommendation, solicitation or offer to buy, sell, or hold that security or any other security nor should it be used in connection with any sale, offer for sale or solicitation of an offer to buy securities or any other instrument.
Such information does not attempt or claim to be a complete description of the securities, markets, or developments referred to on this Site.
You acknowledge and agree that your decision to use the Services available on or though this Site or to take any action or refrain from taking any action as a result of your use of this Site will be your decision alone, based solely on your own evaluation of your financial circumstances, your investment objectives and the nature, potential value and suitability of the transactions you make. You should consult an appropriate professional for specific advice tailored to your situation.
WE SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY OR LOSS ARISING OUT OF ANY ACTION TAKEN IN RELIANCE ON THIS INFORMATION, INCLUDING MARKET VALUE LOSS ON THE SALE OR PURCHASE OF SECURITIES OR OTHER INSTRUMENTS OR OBLIGATIONS.
YOU UNDERSTAND AND AGREE THAT THIS SITE AND THE MATERIALS, PRODUCTS AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED ON AN "AS IS" "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, WE AND ANY THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES REGARDING SECURITY, CURRENCY, CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS OR CONTINUED AVAILABILITY, WITH RESPECT TO
(i) THE SITE;
(ii) ANY MATERIALS, PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH THE SITE;
(iii) USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES; AND
(iv) THE RESULTS OF THE USE OF THE SITE, MATERIALS, PRODUCTS OR SERVICES.
FURTHER, WE AND ANY THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY MATERIALS, PRODUCTS OR SERVICES AVAILABLE THROUGH THIS SITE.
Any statements and opinions expressed are as of the date of publication, are subject to change as economic and market conditions dictate, and are those of the author(s) and do not necessarily represent our views. Some content on this site may be provided by third party providers, which we consider to be reliable but have not independently verified. We do not guarantee that it is accurate or complete.
EXCEPT AS PROVIDED BY LAW, NEITHER WE NOR ANY THIRD PARTY HAS ANY RESPONSIBILITY TO MAINTAIN THE MATERIALS, PRODUCTS OR SERVICES OFFERED ON THE SITE OR TO SUPPLY CORRECTIONS OR UPDATES TO THE SAME.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES; IN SUCH EVENT, SUCH DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
Limitation of Liability
BY ACCESSING THIS SITE OR RECEIVING ANY SERVICES, YOU AGREE TO WAIVE ALL CLAIMS AGAINST US AND ALL THIRD PARTY PROVIDERS REGARDING THIS SITE, THE SERVICES AND YOUR USE THEREOF. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS SERVICES BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, TRADING LOSSES, GOOD WILL, BUSINESS INTERRUPTION, SAVINGS OR DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM (1) THE RELIANCE ON, USE OF OR INABILITY TO USE THIS SITE OR ANY SERVICES; (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE INFORMATION DERIVED FROM THIS SITE OR SERVICES, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION; (3) THE COST OF SUBSTITUTE SERVICES; (4) FORCE MAJEURE AND ANY SIMILAR EVENTS THAT ARE BEYOND OUR REASONABLE CONTROL; OR (5) ANY OTHER MATTER RELATING TO THE SERVICES OR DISTRIBUTION OF SERVICES THROUGH THIS SITE. WE SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF THIS SITE OR SERVICES OBTAINED THROUGH THIS SITE. WE CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE AND ANY SERVICES.
BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
Certain parts of this Site may require a login. Further, for authentication purposes, certain features on this Site may require you to answer a designated security question. You agree to provide us with current, complete and accurate information as prompted by the applicable registration process. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site, or to any other protected materials or information, through any means not intentionally made available to you by us.
You are responsible for maintaining the confidentiality of any account information, user ID, password and security questions and answers that you use to access any page or feature on this Site and for logging off of your account and any protected areas of the Site. Further, you are responsible for all transactions, communications, acts or omissions that occur on or through the Site via the use of your Social Security Number, user ID or password, whether or not authorized by you. Accordingly, you should take steps to protect the confidentiality of your Social Security Number, user ID and password.
You agree to contact us immediately if you become aware of any disclosure, loss, theft or unauthorized use of, or suspicious activity with respect to, your Social Security Number, user ID or password or if you believe that someone accessed your account on the Site without your authorization. We will not be responsible for any loss or damage arising from your failure to comply with this provision.
Services provided to you through this Site may involve the electronic transmission, to any e-mail address you provide to us, of information that you may consider to be personal financial information, and you agree and consent to such transmission.
Privacy and Security
We utilize reasonable security technologies to protect sensitive information. However, the security of this information depends in part on the security of the computer you use to communicate with us, the security you use to protect User IDs and passwords, and the security provided by your internet access services provider. We are not responsible for the security of your internet access services provider; you should review the security and privacy policies of your internet access services provider carefully. Information that you access via this Site may be stored on your computer during your session for your convenience. If others have access to your computer or your User ID and password, they may be able to access this information. In any area of the Site requiring a password, you should log off the Site when you are done viewing information or whenever you leave your computer. We are not responsible for the security or privacy of information communicated to or from such a computer. Finally, you should keep any correspondence you receive relating to this Site or the Services (including, but not limited to, your User ID, passwords, other registration information, emails, order information, or any other information) confidential and in a safe place.
Inspection, Correction and Removal of Information
We will use reasonable efforts to allow you to review, correct or update the information that you have provided to us at any time. Please note that because of back-up systems and records of deletions, it may not be possible for us to locate and remove from our systems residual information that you have provided to us.
We cannot require third parties to change information that has been disclosed to them with your consent. To modify this information, you will have to go directly to the relevant third party.
Entire Agreement; Jurisdiction and Choice of Law