Access to and use of this World Wide Web site ("The Financial Innovations Website") is provided subject to these terms and conditions.

PLEASE READ THESE TERMS CAREFULLY AS USE OF THIS SITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS.

Use of Material on this Website
The information, artwork, text or pictures (collectively, "Materials") contained on the Financial Innovations Website are protected by copyright laws. You may only access and use the Materials for personal or educational purposes. You may not modify or use the Materials for any other purpose without express written consent from Financial Innovations. Except as provided below, you may not reproduce, republish, post, transmit or distribute any Materials on the Financial Innovations Website. For reprint and redistribution requests, please use our contact form.

Unless you are have a Team Subscription or Enterprise License you may only print Materials on the Financial Innovations website for personal use and you must include any copyright notice originally included with the Materials.

Single User Subscription
For each paid single-user subscription, only one person may access the online archives. Single-user subscriptions may be transferred to another user only by first contacting Financial Innovations. The individual user may be a sole-proprietor or an employee of any organization. Single-user subscribers are not allowed to duplicate or redistribute Financial Innovations content in any manner.

Team Subscription
The Team subscription is for work groups within the same organization that need to share Financial Innovations content. Each paid team-member subscriber may access the online archives. Content can be shared in printed or electronic format amongst the team. All team members must be employees of the same organization. Exceptions for outside contractors or consultants must be approved by in advance by Financial Innovations. Content cannot be duplicated or redistributed to users outside the team. The maximum size of the team allowed is determined by which option is selected when subscribing.

Enterprise/company Site License
Enterprise site license are for companies or other organizations intending to share Financial Innovations content with all its employees. Exceptions for outside contractors or consultants must be approved in advance by Financial Innovations. Content cannot be shared outside the enterprise. Company licenses include:

(a) unlimited photocopying for internal use
(b) the ability to post Financial Innovations content on your intranet for internal use
(c) unlimited access to Financial Innovations archives by all company employees
(d) unlimited digital distribution (including email) to internal users
(e) option to license content for external distribution (additional fees apply, must be approved by the Publisher in advance)

Sites Linked From the Financial Innovations Website
The sites linked from the Financial Innovations website are not under our control and we do not assume any responsibility or liability for any communications or materials available at such linked sites.

Disclaimer of Warranty
The information or data (collectively, "Information") made available at the Financial Innovations website are provided "AS IS", without warranties of any kind. Financial Innovations expressly disclaims any representations and warranties, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. Financial Innovations shall have absolutely no liability in connection with the Materials and business resulting from the Information or the lack of information available on the Financial Innovations website. Financial Innovations shall have no liability for:

1. Any loss or injury caused, in whole or in part, by its actions, omissions, or negligence, or for contingencies beyond its control, in procuring, compiling, or delivering the Information;



2. Any errors, omissions, or inaccuracies in the Information regardless of how caused, or delays or interruptions in delivery of the Information; or



3. Any decision made or action taken or not taken in reliance upon the Information furnished hereunder.

The Information included on the Financial Innovations website has been compiled from a variety of sources, and are subject to change without notice.

Limitation of Liability
Under no circumstances shall Financial Innovations be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, the Information, or from the use of the Internet generally.