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1. Definitions

In this document, the terms "you" and "user" refer to any visitor accessing this website.

2. Agreement to Terms and Conditions

Please carefully read and understand the following terms and conditions. By accessing this website, you agree to be bound by the terms and conditions outlined below. These terms and conditions are subject to change without prior notice, at our sole discretion. We will notify you of any amendments by posting them on this website. If you do not agree with these terms and conditions, kindly refrain from accessing this website.

3. Prohibited Activities

Unauthorized use of our systems or this website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on this website, is strictly prohibited.

4. Information Disclosure and Transfer

You acknowledge that any information you provide through this website may be disclosed and transferred to:

(i) Any company within the Arus Investment Chase & Co. group ("Arus Investment"), its affiliates, agents, or information providers;

(ii) Any other person or entity with your consent; or

(iii) If required by law or if we have a right or duty to disclose such information. You consent to the transmission, transfer, or processing of such information to, or through, any country in the world, as we deem necessary or appropriate. By using and providing information through this website, you agree to such transfers.

5. Monitoring and Recording

Usage of this website may be monitored, tracked, and recorded. Anyone using this website expressly consents to such monitoring, tracking, and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the website during each session.

6. Copyright Notices

The content of this website, including design, text, sound recordings, and images, is owned by Arus Investment Chase & Co. or its subsidiaries, unless otherwise stated. Except as expressly stated herein, no part of this content may be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use, or otherwise used without the owner's prior written consent, except to the extent permitted by applicable copyright laws. You may download information and print a copy for personal use, as long as you do not remove any copyright or other notices contained in the downloaded information.

7. Trademark Notices

"Arus Investment," "Arus Investments," "Arus," "Arus Consulting," and the Arus Investment Logo are trademarks of Arus Investment. These trademarks may be used to identify the source of goods and services and may be the trademarks of the owners in the United States and/or other countries.

8. Website Content and Materials

The information on this website is for informational purposes only. While it is believed to be reliable, we do not warrant its completeness, timeliness, or accuracy. Users access and use this content at their own risk. Professional advice should be sought as necessary regarding the evaluation of any content on this website. The information on this website is not intended as an offer or solicitation for the purchase of any stock, security, financial instrument, or investment service in any jurisdiction.

9. Securities and Investments

Securities, including mutual funds and variable life insurance, annuities, and insurance products, are not bank deposits and are not insured by the FDIC or any other agency of the United States. They are also not obligations of, insured or guaranteed by, Arus Investment Chase & Co. or any of its subsidiaries or affiliates. Investments in securities and financial instruments involve risks, including possible loss of value. The information and materials on this website, along with the terms and conditions, are subject to change without notice.

10. Additional Disclosures

Some pages within this website may contain supplemental terms, conditions, disclosures, and disclaimers in addition to these terms and conditions. In case of a conflict, the supplemental terms and conditions will prevail for those sections or pages.

11. Use and Distribution of Materials

Materials and information posted on the website may be printed for personal use. However, third-party exchange data, if any, may not be downloaded, printed, or redistributed for any purpose. Materials and information posted on the website may not be duplicated, copied, re-disseminated, or re-distributed to any other person or entity through any electronic means of access.

12. Research Disclaimer

All Arus Investment research is subject to a disclaimer included in such research. Information on the website, including research, is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would violate local law or regulation.

13. User Responsibilities

You agree not to engage in any activities related to this website that are contrary to applicable law or the terms of any agreements you have with us. You also agree to establish reasonable security procedures and controls when necessary for accessing locations on this website that require identification. Unauthorized use of automated or manual processes for monitoring or copying web pages, data, or content on this website is prohibited without our prior written permission.

14. Changes and Termination

We or our suppliers may discontinue or make changes in the information, products, or services described on this website at any time without prior notice and without any liability. Any dated information is published as of its date only, or if no date is stated, the date of first posting. We are not obligated to update or amend any information on this website. We reserve the right to terminate any or all website offerings or transmissions without prior notice.

15. Suitability and Appropriateness

Securities or financial instruments mentioned on this website may not be suitable or appropriate for all investors or in all geographical areas. Your particular needs, investment objectives, and financial situation were not taken into account in preparing this website and its materials. You must make your own independent decisions regarding any securities or financial instruments mentioned herein.

16. Disruption of Service

You are responsible for obtaining and maintaining all equipment needed to access and use this website. Access to this website may be unavailable, delayed, limited, or slowed due to various factors beyond our control. If access is disrupted, you may be unable to transmit instructions for transactions or retrieve information on a timely basis. We will not be liable for any losses resulting from such disruptions.

17. Links to Other Sites

Links to unaffiliated websites are provided solely for informational purposes. We have no control over the content on such websites. If you choose to link to a website we do not control, we make no warranties concerning your use of such site, including its content, accuracy, completeness, or freedom from claims of copyright or trademark infringement. We do not guarantee the authenticity of documents on the internet. Links to unaffiliated sites do not imply endorsement or responsibility for the content offered at such sites.

18. Legal Entity Disclosure

Arus Investment is the marketing name for Arus Investment Chase & Co. and its subsidiaries and affiliates worldwide. Securities and financial advisory services are provided by affiliates of Arus Investment Chase & Co., while lending, derivatives, and commercial banking activities are performed by banking affiliates. Various Arus Investment entities are subject to regulatory oversight in different countries. The products and services featured on this website may not be available to private customers in some regions.

19. Limitation of Liability

Due to the possibility of human and

mechanical errors, as well as other factors, this website (including all information and materials contained on it) is provided "as is" and "as available." We, our affiliates, and third-party data providers:

- Do not provide any warranties and representations regarding the website.

- Disclaim all warranties and representations of any kind with regard to the website.

- Do not warrant the accuracy, adequacy, or completeness of the information and materials on the website.

- Will not be liable for any delay, difficulty in use, computer viruses, or other defects on the website.

Under no circumstances will we be liable for any indirect, consequential, incidental, special, punitive, or exemplary damages arising from the use or inability to use the website, regardless of whether we were informed of the likelihood of such damages occurring.

20. Enforceability and Governing Law

If any term or provision of these Terms and Conditions is held to be unenforceable, the remaining terms and provisions shall remain unaffected. These Terms and Conditions are subject to any other agreements you have with Arus Investment Chase. Your access to and use of the website, as well as this disclaimer, are governed by the laws of the State of New York. Any disputes must be brought in state or federal courts located in the State of New York, County of New York. You consent to the jurisdiction and venue of these courts for any claims against Arus Investment Chase arising from or relating to your use of the website and these Terms and Conditions.


Terms and conditions