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Terms of Use

Please read these terms and conditions of use (the "Terms") carefully. By accessing this Web site and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by these Terms. If you do not agree to the Terms, please do not access this Web site or any pages thereof (hereinafter referred to as the "Site").

The Allianz Global Investors Center for Behavioral Finance ("CBF") reserves the right to change, modify, add to, or remove portions of these Terms at any time for any reason. We suggest that you review the Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing the Site after we have posted changes to these Terms, you are agreeing to the Terms as modified.

Disclaimer

Nothing contained on this Site constitutes tax, legal, or investment advice. Neither the information, nor any opinion, contained on this Site constitutes a solicitation or offer by CBF to buy or sell any securities 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 Site are the sole responsibility of the visitor. In exchange for using this Site, the visitor agrees to indemnify and hold CBF, its officers, employees, sponsor firms, 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 Site, from your violation of these Terms or from any decisions that the visitor makes based on such information.

The information and services provided on this Site are provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, CBF 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. CBF does not warrant, either expressly or impliedly, the adequacy, accuracy, reliability, or completeness of the information, text, graphics, links or other items contained on this Site and does not warrant that the functions contained in this Site will be uninterrupted or error-free, that defects will be corrected, or that the Site will be free of viruses or other harmful components. CBF expressly disclaims all liability for errors and omissions in the materials on this Site and for the use or interpretation by others of information contained on the Site.

Copyright and Trademarks

The content of this Site is owned or licensed by CBF and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property law with all rights reserved. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Site, including any text, graphics, video, audio, software code, user interface design, or logos in any manner without the express written consent of CBF. You may download material displayed on this Site for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not sell, distribute, publish, broadcast, circulate, modify, transmit, reuse, repost, or use the content of this Site for public or commercial purposes, including all text, images, audio, and video, without CBF's express written permission. Modification or use of the materials for any other purpose violates CBF's intellectual property rights.

Nothing at this Site shall be construed as granting a license or right to use any image, trademark, service mark or logo, which is the property of CBF, its sponsor firms, or its third-party information providers. CBF, its sponsor firms, and such third party information providers reserve all rights with respect to its and their proprietary information or material at this Site and will enforce such rights to the full extent of applicable copyright and trademark law.

Links to Other Websites

CBF may establish links between this Site and one or more Web sites operated by third parties. CBF has no control over any such other Web sites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by, CBF regarding such Web sites, the contents of the Web sites, the products or services of the Web sites, or the operators of the Web sites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. CBF disclaims responsibility for the privacy policies and customer information practices of third-party internet Web sites hyperlinked from our Site.

Links to CBF from Other Websites

You shall not display hyperlinks on your Web sites to the Site. If you desire to display on your Web site a hyperlink to our Site, you must enter into a written agreement with CBF governing such display. Access to our Site does not authorize you to use any of CBF's names, logos, trademarks or copyrighted material, and you agree not to do so without CBF's express written consent.

Jurisdiction and Governing Law

The information provided on this Site 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 CBF or its sponsor firms to any registration requirement within such jurisdiction or country.

The laws of the State of New York govern these Terms without regard to conflict of law provisions. If you take legal action relating to these Terms, you agree to file such action only in the New York State Supreme Court located in New York, NY, or the United States District Court for the Southern District of New York, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action with CBF or its sponsor firms.

Limitation of Liability

CBF AND ITS SPONSOR FIRMS 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, INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNATIVE, OR SPECIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THIS SITE), EVEN IF CBF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS SITE OR ANOTHER LINKED WEB SITE.

Timeliness of Content

All content on the Site 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 CBF in writing, you may not:
  • Use this Site in any manner that could damage or overburden any server that hosts the Site, any network connected to the server, as all servers have limited capacity and are used by many people;
  • Use this Site in any manner that would interfere with another party's use of the Site;
  • Use this Site or its contents in any manner that could create an impression of affiliation, sponsorship or endorsement by CBF or its sponsor firms.

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 represent the entire agreement between CBF and the user relating to the subject matter herein.