Please read these terms and conditions carefully. These terms and conditions apply to the use of this website and to the use of any information, software, function, graphics, artwork, and any other material contained on this website (collectively referred to as "Contents").

By using this website and its Contents, you ("you" or "the user") agree to abide by these terms and conditions and any changes that we (Wilmington Trust and/or its parent company and affiliates (collectively referred to as "Wilmington Trust")) may publish from time to time. If you do not agree with these terms and conditions, do not access this website or any pages thereof.

Intellectual Property and Copyright by Wilmington Trust
Title to and all intellectual property rights in the website and its Contents remain in Wilmington Trust, unless otherwise expressly indicated.

This website and/or its Contents may include information, software, and other tools which are the proprietary property of others or which are public or works of the government. Wilmington Trust is using such information, software, and other tools with permission and authority from the owners of such proprietary rights when required.

Trademarks and Service Marks
The trademarks, service marks, and logos contained on this site and its Contents are service marks or trademarks of Wilmington Trust, except as otherwise noted. Wilmington Trust may also claim trademark or service mark rights in other product names, business names, logos, slogans, and other marks contained on this website and its Contents. You may not in any way use any Wilmington Trust marks without first obtaining our express written permission.

The names of actual companies and products mentioned herein may be the trademarks or service marks of their respective owners.

Use of Website and Website Materials
When using particular information, materials, and/or services on this website, you will be subject to any posted guidelines or notices applicable to such services or materials that may contain terms and conditions in addition to these Terms and Conditions. All such guidelines or rules are hereby incorporated by reference into these Terms and Conditions.

This website and its Contents are 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 local law or regulation.

You may not print, copy, upload, post, publish, modify, display, transfer, resell, reproduce, republish, or distribute this website or its Contents in any way (whether electronically or otherwise) or create other works based on it, unless expressly authorized by these Terms and Conditions, the express provisions on this website, our prior written consent, or applicable law. Copies made incidentally in the ordinary course of your personal, non-commercial use of this website and a reasonable number of printed copies for such use are permitted, provided that you do not modify or alter the material in any way and you do not delete or change any copyright, trademark, or other notices.

You may not use the information or material on this website for any unlawful purpose.

Termination and Remedies
If you breach any of these Terms and Conditions, your authorization to use this website automatically terminates and you must immediately destroy any materials obtained from this site. Wilmington Trust may seek any available legal remedy or take any reasonable business steps to prevent the unauthorized use of, or access to, this website and to prevent access to users who violate these Terms and Conditions. You agree that we would be irreparably harmed if you breach this provision and that monetary damages would be inadequate to remedy such breach. Accordingly, you also agree that specific and injunctive or other equitable relief is the appropriate remedy for such a breach.

Modifications and Changes
We may make changes to the website and its Contents, including our products and/or services and these Terms and Conditions, at any time without notice to you. Your use of this website at any time indicates your agreement with the Terms and Conditions posted on this site at the time of such use.

Errors
Although we attempt to keep this website and its Contents accurate, complete, and current, the site may contain technical or other mistakes, inaccuracies, or typographical errors. The information and materials on this website may be out of date, and we make no commitment to update this website or its Contents. It is your responsibility to verify any information before relying on it.

Availability of Website and Content, Including Products and Services
This website is controlled, operated, and administered by Wilmington Trust from its offices within the United States of America. If you access this website from a location outside of the United States, you are responsible for compliance with all local laws. Not all products and services are available in all geographic areas. Your eligibility for particular products and/or services may be subject to final determination and acceptance by Wilmington Trust.

References
References to any specific commercial product, process, service, or publication by trade name, trademark, service mark, manufacturer, or otherwise are provided for general information purposes only and do not constitute a warranty, endorsement, recommendation, or favoring by Wilmington Trust. Wilmington Trust makes no warranty of any kind with respect to the subject matter or products listed herein or the completeness, accuracy, or reliability of the information.

Links to Third Party Sites
Wilmington Trust may establish links between this website and one or more websites operated by third parties, and we are providing these links only as a convenience to you. Such links allow you to leave our website and are not under our control. Access to any other website linked to this website is at your own risk. We have not investigated, verified, monitored, or tested the accuracy, reliability or completeness of any information, data, opinions, advice, statements, software, products, or services found on or contained in these linked sites or any change or updates to such sites and therefore, do not make any representations whatsoever with respect thereto. The inclusion of a link to another website does not constitute an approval, endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers.

Privacy Policy
We recognize and respect the privacy expectations of our clients. To view our Security and Privacy Statement, click here.

Registration
Some areas of this website may require you to become a member. When and if you register to become a member, you agree to: (1) provide accurate, current, and complete information about yourself as prompted by our registration form (including your email address); and (2) maintain and update your information (including your email address) to keep it accurate, current, and complete. You acknowledge that, if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate your right to use this website.

Use and Protection of Account Numbers, User IDs, and Passwords
We may refuse to grant you a User ID that impersonates someone else, is or may be illegal, is or may be protected by trademark or other proprietary rights laws, is vulgar or otherwise is offensive, or may cause confusion, as determined by us in our sole discretion. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR ACCOUNT NUMBER(S), USER IDS, PASSWORDS, SECURITY IMAGES, SECURITY CAPTIONS, AND SECURITY QUESTION INFORMATION, AS APPLICABLE. YOU ARE RESPONSIBLE FOR DAMAGES RESULTING FROM ALL USES OF YOUR ACCOUNT NUMBER(S), USER ID, AND/OR PASSWORD, WHETHER OR NOT ACTUALLY OR EXPRESSLY AUTHORIZED BY YOU, UNLESS ACCESS TO YOUR ACCOUNT NUMBER(S), ACCOUNT NAME, USER ID, AND/OR PASSWORD WAS OBTAINED THROUGH NO FAULT OR NEGLIGENCE ON YOUR PART. You will immediately notify us of any unauthorized use of your account number(s), User ID, or password, or any other breach of security.

Not Legal, Tax, Accounting, or Other Professional Advice
The information contained on this website is not intended to constitute and should not be considered as legal, tax, accounting, or other professional advice, nor is it intended to substitute for obtaining such advice. If legal, accounting, tax, or other professional advice or assistance is needed, the services of a competent, independent legal counsel, accountant, tax professional, or other professional in the relevant jurisdiction should be sought.

Users should note that the regulatory regime in offshore jurisdictions, including investor protection and compensation arrangements, may well be different from their home jurisdiction.

Use of Examples
The example companies, organizations, products, services, persons, and events depicted herein are intended to be fictitious, and no association with any real company, organization, product, service, person, or event is intended to or should be inferred.

Other Third Party Information
The information contained in any article or elsewhere on this website is based on sources that we believe to be reliable, but no representation is made as to its accuracy, reliability, or completeness.

Submissions
All information transmitted or otherwise submitted to us via this website shall be deemed to be the property of Wilmington Trust. Wilmington Trust shall be free to use such information for any lawful purpose within the guidelines of our Privacy Policy.

Investment Products
Investments like stocks, bonds, annuities, and mutual funds are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by Wilmington Trust or any bank or other entity, and are subject to investment risks including the possible loss of principal amount invested. Past performance does not guarantee future results, and no representation or warranty regarding past performance is made.

General Notices
Wilmington Trust Corporation and its affiliates and subsidiaries, including Wilmington Trust, are Equal Opportunity Employers.

Disclaimers
ALL INFORMATION, MATERIALS, AND SERVICES CONTAINED ON THIS WEBSITE AND THE CONTENTS THEREOF ARE PROVIDED "AS IS." WILMINGTON TRUST MAKES NO REPRESENTATION, ENDORSEMENT, OR WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, BY DESCRIPTION, BY SAMPLE, OR OTHERWISE, AND IN PARTICULAR AND WITHOUT LIMITATION, MAKES NO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, OR FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE. WE DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE MATERIALS CONTAINED ON THIS WEBSITE OR WARRANT THAT ANY DEFECTS WILL BE CORRECTED.

THIS DISCLAIMER OF WARRANTIES APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

Limitation of Liability
AS A CONDITION TO WILMINGTON TRUST PROVIDING THIS WEBSITE AND ITS CONTENTS, THE USER AGREES THAT IN NO EVENT SHALL WILMINGTON TRUST BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DAMAGE WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGE, LOSSES OR EXPENSES OF ANY KIND, ARISING IN CONNECTION WITH THIS WEBSITE OR ANY WEBSITE LINKED HERETO, THE USE THEREOF OR THE INABILITY TO USE IT BY ANY PERSON, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE OR SYSTEM FAILURE, LOSS OF DATA, OR ANY OTHER THEORY OF LIABILITY, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY OR OTHERWISE, EVEN IF WILMINGTON TRUST IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.

IN NO EVENT WILL WILMINGTON TRUST'S LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, BE MORE THAN THE TOTAL AMOUNT OF ANY MONEY WILMINGTON TRUST RECEIVES FROM YOU FOR LICENSE FEES, UPDATE FEES AND OTHER FEES, AND CHARGES COLLECTED PURSUANT TO YOUR AUTHORIZED USE OF THIS WEBSITE AND/OR ITS CONTENTS.

THIS LIMITATION OF LIABILITY APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

Indemnification by User
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS WILMINGTON TRUST, ITS PARENT COMPANY AND AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS, AND ANY THIRD PARTY INFORMATION PROVIDER TO US FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES, AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS AND CONDITIONS BY YOU.

Other Agreements
These Terms and Conditions shall be subject to any other agreements you have entered into with Wilmington Trust and, except as expressly set forth herein, in the event of a conflict, the terms of those agreements will govern.

Waiver
Any waiver of or failure to enforce any right under or term or provision of these Terms and Conditions by Wilmington Trust shall not be deemed to be a waiver of such right or any other right, term, or provision of these Terms and Conditions at any time.

Severability
In the event that any portion of these Terms and Conditions shall be determined to be unenforceable by a court of competent jurisdiction, the remainder of these Terms and Conditions shall not be impaired, affected, or invalidated, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or condition.

Governing Law and Venue
Use of this website will be governed by and construed in accordance with the laws of the State of Delaware and the United States of America, without regard to conflict of law principles. You and Wilmington Trust also agree that all legal proceedings, whether at law or in equity, related to this website and/or its Contents shall be filed in and adjudicated solely in the state or federal courts located in New Castle County, Delaware. You further consent and submit to the exclusive personal jurisdiction and venue of such courts for the purpose of litigating any such matters.