By using this website, you signify your assent to the following terms of use without limitation or qualification. Please read these terms of use carefully before using this website. If you do not agree to these terms, do not use this website. JJ Lloyd may at any time revise these terms by updating this posting. You are bound by any such revisions and accordingly you should periodically visit this page to review the then current terms and conditions to which you are bound. This website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced herein. Nothing contained on this website is intended to be or should be construed as legal, tax or investment advice.

LIMITATIONS
The information provided on this website is provided for informational purposes only. While JJ Lloyd seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors, for which we apologize. We reserve the right to make changes and corrections at any time, without notice. The information provided on this website is provided without warranties of any kind, either expressed or implied, and JJ Lloyd disclaims all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. JJ Lloyd 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 JJ Lloyd expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on this website. Neither JJ Lloyd nor any of its affiliates, directors, officers or employees, nor any third party vendor retained by JJ Lloyd, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of this website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of JJ Lloyd or of any vendor providing software or support services for this website. In no event will JJ Lloyd, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if JJ Lloyd or any other party have been advised of the possibility thereof.

Nothing contained in JJ Lloyd’s website constitutes legal, tax or investment advice. Neither the information nor any opinion contained in this website constitutes a solicitation or offer by JJ Lloyd 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 JJ Lloyd’s website are the sole responsibility of the user, and in exchange for using JJ Lloyd’s website, you agree to hold JJ Lloyd harmless from and against any claims for damages arising from any decisions that you may make based on such information. All information posted on this website is current only as of the date of its posting, and JJ Lloyd undertakes no obligation to update any information to reflect events or circumstances after the date of such posting.

FDIC DISCLAIMER
Securities (including shares of mutual funds), alternative investments, and other investment products are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, or insured or guaranteed by, JJ Lloyd or any of its subsidiaries or affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value. The information and materials contained in this website — and the terms of the access to and use of such information and materials — are subject to change without notice. Your eligibility for particular investment options or services is subject to final JJ Lloyd determination and acceptance.

RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by JJ Lloyd. Permission is granted to display and navigate this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by JJ Lloyd, no materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, including any text, images, audio or video, for public or commercial purposes, without JJ Lloyd’s prior written permission. Modification or use of the materials for any other purpose violates JJ Lloyd’s intellectual property rights.

JJ Lloyd neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with JJ Lloyd.

ELECTRONIC MAIL
Electronic mail (email) submitted to this website should be considered neither secure nor confidential. JJ Lloyd makes no representation whatsoever concerning the security or confidentiality of your email messages and specifically makes no representation that any email message submitted through this website will be received by JJ Lloyd.
Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of JJ Lloyd or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, JJ Lloyd is free to use any ideas, concepts, know-how or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.


TRADEMARKS AND COPYRIGHTS
JJ Lloyd owns and operates this website. All trademarks, service marks, trade names, and logos displayed on this website are proprietary to JJ Lloyd, except as explicitly noted below under Ownership of Other Materials. Nothing contained on the 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 written permission of JJ Lloyd or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.
Images displayed on this website are either the property of, or used with permission by, JJ Lloyd. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

USE OF LINKS
Should you leave this website via a link contained herein, and view content that is not provided by JJ Lloyd, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by JJ Lloyd. JJ Lloyd is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such website, whether actual, alleged, consequential or punitive. JJ Lloyd makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

OWNERSHIP OF OTHER MATERIALS
Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated. Microsoft® and Internet Explorer® are trademarks of Microsoft Corporation. Standard & Poor’s®, S&P®, Standard & Poor’s 500®, S&P 500®, are trademarks of The McGraw-Hill Companies, Inc. Sector and Industry classifications included in this website utilize the Global Industry Classification Standard(“GICS®”). GICS® is the exclusive property and a service mark of Morgan Stanley Capital International Inc. (“MSCI”) and Standard & Poor’s (“S&P”), a division of The McGraw-Hill Companies, Inc. Neither MSCI nor S&P makes any express or implied warranties or representations or shall have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) with respect to GICS® data or results obtained therefrom.

JURISDICTION AND GOVERNING LAW
This website is controlled and operated by JJ Lloyd from its offices. JJ Lloyd makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials on this website in violation of U.S. export laws and regulations.

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 JJ Lloyd or its affiliates to any registration requirement within such jurisdiction or country.


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 JJ Lloyd and the user relating to the subject matter herein.

 

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