PLEASE READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY AND COMPLETELY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE LOCATED www.vnbinvest.com ("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ, AND AGREE TO BE BOUND BY, THESE TERMS. IF YOU DO NOT AGREE TO ANY OR ALL OF THE TERMS, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.

 

V&B RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. ACCORDINGLY, YOU SHOULD REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING THIS WEBSITE AFTER CHANGES TO THESE TERMS HAVE BEEN POSTED, YOU AGREE TO THE TERMS AS MODIFIED.

 

Disclaimer

 

The information contained on this Website does not constitute and is not tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by Vision & Beyond Capital Investments ("V&B") or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. As consideration for the use of this Website, you agree to indemnify and hold V&B, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms or from any decisions that you make based on such information.

 

The investments and strategies discussed in the Website may not be suitable for all investors and are in no way obligations of V&B or its affiliates or guaranteed by V&B or its affiliates. V&B makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this Website are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the Website, V&B makes no representation that any investment or investment vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for knowledge of and compliance with applicable local laws and regulations.

 

Please note that all investments involve risk and may lose value. The value of an investment can go down depending upon market conditions. Fixed income investments are subject to risk including interest rate, credit, market and issuer risk. Currency exchange rates may cause the value of an investment to go up or down. Alternative strategies involve higher risks than traditional investments, may not be tax efficient, and have higher fees than traditional investments; they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. BEFORE ACQUIRING THE SHARES OF ANY INVESTMENT FUND BY PURCHASE OR EXCHANGE, IT IS YOUR RESPONSIBILITY TO READ THE FUND'S PROSPECTUS OR OFFERING MATERIALS.

 

This Website is for information purposes only and is not intended to be, and should not be, relied upon as a forecast, or considered research or investment advice. The information on this Website is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Although this material is based upon information that V&B considers reliable and endeavors to keep current, V&B does not represent or guarantee that this material is accurate, current or complete, and it should not be relied upon as such. Any opinions expressed on this Website are subject to change as subsequent conditions warrant. It is important to remember that past performance is no guarantee of future results.

 

The information and services provided on this Website are provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent allowed under applicable law, V&B expressly disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. Likewise, V&B does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Website and does not warrant that the functions contained in this Website will be uninterrupted or error-free, that defects will be corrected, or that the Website will be free of viruses or other harmful components. V&B expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.

 

Fund and Advisor Disclosures

 

Investments in a V&B product or client account are not bank deposits and are not insured or guaranteed by V&B or the Federal Deposit Insurance Corporation, any other government agency, or any bank. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Please carefully consider a fund's investment objective, risks, charges and expenses before investing. For this and other information, call or write to V&B for a free prospectus or view one online. Read it carefully before you invest or send money.

 

Trademarks, Copyrights and other Intellectual Property

 

The content contained on this Website is owned or licensed by V&B and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. As such, you are not permitted to copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. If you download material displayed on this Website for your personal use, you must also retain all copyright and other proprietary notices contained on the materials. You must not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without V&B’s prior express written consent. Modification or use of the materials for any other purpose violates V&B’s intellectual property rights.

 

All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to V&B and/or their respective owners. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the prior written consent of V&B or such other third party that may own the trademark displayed on this Website. Use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.

 

Use of the images displayed on this Website is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. To the extent you download any information from this Website, you expressly agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

 

Links to Other Websites

 

Although V&B may include links between this Website and one or more websites operated by third parties, V&B has no control over any such other websites, the contents thereof or the products/services offered. The existence of any such links does not constitute an endorsement of, or representation or warranty by V&B regarding such websites, the contents of the websites, the products or services referenced on the websites or the operators of the websites. Access to and use of such linked websites is governed by the terms of use and privacy policies of those sites and shall be undertaken at your own risk. V&B disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from this Website.

 

Links to V&B from Other Websites

 

In the event you wish to display on your website a hyperlink to this Website, you must notify V&B in writing of your intent to do so. Access to any V&B website does not authorize you to use any of V&B's names, logos, trademarks or copyrighted material, and you agree not to do so without V&B’s prior express written consent. Notices pursuant to this section should be e-mailed to legal@vnbinvest.com.

 

Transmissions to and From this Website

 

Electronic communications may be intercepted by third parties and, as such, transmissions to and from this Website may not be secure. Communications to V&B, especially those containing confidential information, should be sent by mail to: Vision & Beyond Capital Investments. V&B is free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to V&B through this Website. You acknowledge and agree that V&B has granted you limited access to the specific files pertaining to a particular investment or fund ("Approved Files"), and you agree not to attempt to access computer files other than the Approved Files. V&B makes no warranty to you regarding the security of this Website, including with regard to the ability of any unauthorized persons to access information received or transmitted by you to, from or through this Website. V&B reserves the right to cease providing, or to change, this Website and/or its content (or any portion or feature thereof) at any time or frequency and without notice.  By accessing this Website, you acknowledge and agree that V&B utilizes third-party providers to store information that is submitted by you when contacting V&B and/or using this Website, and you expressly consent to same.

 

Privacy Policy

 

Please review V&B’s Privacy Policy, which is a part of, and incorporated by reference into, this Agreement to learn about V&B’s information collection practices and the measures V&B takes to preserve the privacy and security of your information.

 

E-mail and Marketing

 

Financial professionals who complete the registration process to access the V&B Financial Professional web site are at the same time granting V&B permission to send, and agreeing to receive, e-mail messages for marketing and general communication purposes at the e-mail address they provided. This service may be discontinued at any time by responding to the email with "Unsubscribe" in the subject line.

 

Jurisdiction and Governing Law

 

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject V&B or its affiliates to any registration requirement within such jurisdiction or country. Each investment product and service referred to on this Website is intended to be made available to only U.S. residents. This Website is not to be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal.

 

The laws of the State of Ohio govern these Terms without regard to conflict of law provisions. If you initiate legal action that in any way relates to these Terms, you agree to file such action only in the district court of Hamilton County, Ohio the United States District Court for the Southern District of Ohio, Western Division, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action with V&B, its affiliates or with any funds referenced in this site.

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Limitation of Liability

 

V&B AND ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THIS WEBSITE), EVEN IF V&B HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS WEBSITE OR ANOTHER LINKED WEBSITE.

 

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE WEBSITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

 

Timeliness of Content

 

All content on this Website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

 

Prohibited Uses

 

Except as otherwise stated in these Terms or as expressly authorized by V&B in writing, you may not:

• Use this Website in any manner that could damage or overburden any V&B server, or any network connected to any V&B server, as all servers have limited capacity and are used by many people;

• Use this Website in any manner that would interfere with another party's use of the Website;

• Include the terms "V&B," “Vision & Beyond,” or any V&B trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element;

• Use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this Website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this Website, whether through links or otherwise (collectively, "Materials"), without V&B’s permission, provided that generally available third-party web browsers may be used without such permission; or

• Use this Website or the Materials in any manner that could create the impression of an affiliation, sponsorship or endorsement by V&B.
   

Unauthorized Use of Content

 

You agree to defend, indemnify and hold harmless V&B, its affiliates and each of their respective officers, directors, members, partners, managers and employees against any losses, damages, claims, liabilities and costs (including reasonable attorneys’ fees) to the extent resulting from or arising out of any unauthorized or otherwise inappropriate use of any of the content of this Website attributable to you or which occurs through the use of your ID.

 

Waiver

 

No waiver by V&B of any right under, term, or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.  Any such waiver by V&B must be in writing. 

 

Integration and Severability

 

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

 

The preceding Terms of use represent the entire agreement between V&B and the user relating to the subject matter herein.