This Web site ("Site") is provided by AdvisorCentre Services ("advisorcentre") conditional on your acceptance of the terms and conditions of use set out below. By accessing, reading and making use of this Site, you agree, on your own behalf and on behalf of any entity on whose behalf you may be acting, to be bound by the terms and conditions. If you do not wish to be bound by the terms and conditions, you should not use this Site.

Indemnification

All users of this site agree, as a condition of use, that they will indemnify advisorcentre for any loss, damage, injury, liability or cost arising from use of the Site from any allegation whatsoever. This Site is intended to provide general information only; it is not intended to provide investment advice, nor legal advice, nor to answer specific questions about investments or financial advisory practices. You should consult your own advisors if you require such advice or answers.

Accuracy and Warranties

Information on this Site is believed to be complete and accurate when posted. Advisorcentre does not guarantee the quality, accuracy, timeliness, or completeness of any content at any time. Advisorcentre makes no warranty about either the Site or the information it contains and will not be liable for any damages of any kind arising from any use of this Site or its contents.

Links to Other Web sites

Links to other Web sites are provided as references only, and as a convenience. Advisorcentre does not endorse any services or products that may be on those Web sites and is not responsible for the content of any linked Web site.

Disclaimer

Any use of or reliance on this Site or the contents of this Site shall be at your sole risk. Advisorcentre makes no representation or warranty of any kind regarding this Site or the contents of this Site, all of which are provided on an "AS IS" basis. Advisorcentre expressly disclaims all representations, warranties, conditions and endorsements. Advisorcentre makes no warranty as to the accuracy, quality or completeness of the contents of this Site, nor to title or non-infringement, nor to the absence of any software virus or other harmful component. Advisorcentre does not warrant that this Site will continue to operate, will operate without interruptions or that it will be error-free.

Use of this Site

Site users may not decompile, reverse engineer, disassemble, rent, lease, loan, sublicense or create derivative works from this Site, which includes the information and software made available therein. Use of this Site is governed by the these Terms and Conditions and the Copyright Notice.

Site users acknowledge that by posting any materials on this Site grants advisorcentre and our licensors and assigns an irrevocable, perpetual and royalty-free license to use the materials within this Site and in any other manner. The license extends to copying, distributing, broadcasting and otherwise transmitting, adapting and editing such materials. Advisorcentre may use such materials in our sole discretion and may remove them from this Site at any time without notice to the Site user.

Site User Obligations

Site users agree that they will:

• only use this Site in a manner that is consistent with these Terms of Service and in such a way as to ensure compliance with all applicable laws and regulations.
• not post material which is offensive, derogatory or defamatory in nature, or which may, in advisorcentre’s judgment, cause annoyance, inconvenience or anxiety to any person.
• not post material that is obscene or pornographic in nature, containing profanity, vulgarity, hate speech, or threats of violence.
• not post contact or personal information about any other individual without the permission of that individual.
• not post material without the permission of the owner of that material.
• not use any computer code, program or routine to extract or to attempt to extract any part of the database comprising all postings of this Site.

Advisorcentre Registration

Site users who register ("registrant") warrant, represent and undertake that the user information provided when registering is true, accurate, current and complete in all respects. The registrant agrees to notify advisercentre as soon as possible of any changes to their respective user information by amending their information through the "Update Account" on the "My Account" page.

Registrants are required to select a login name and password during the registration process. Registrants are responsible for maintaining the confidentiality of their login name and password and are fully responsible for all activities that occur under their login name while using this Site. Registrants agree to notify advisorcentre immediately of any unauthorized use of their login name or password or any other breach of security of which they are aware.

Advisorcentre reserves the right to decline any application for registration to this Site.

Site users or registrants agree not to impersonate any other person or to use a false name when using this Site.

Advisorcentre Rights

Advisorcentre reserves the right to:

• deny or suspend Site user access to this Site or any part thereof if use of this Site is deemed abusive, excessive, or against the interests of other users or in breach of these Terms and Conditions.
• modify or withdraw, temporarily or permanently, this Site (or any part thereof) with or without notice to Site users. Site users confirm that advisorcentre shall not be liable to Site users or any third party for any modification to or withdrawal of this Site.
• change these Terms and Conditions from time to time. Site users continued use of this Site (or any part thereof) following such change shall be deemed as acceptance of such change. It is the Site users responsibility to check to determine if these Terms and Conditions have changed. If Site users do not agree to any changes to these Terms and Conditions, then they must immediately stop using the Site.
• refuse to place any content or material and to remove any content or material provided by a Site user onto this Site.