Legal & Regulatory

Terms of Use

Use and Acceptance

This Web site (the "Site"), and any tools and/or services offered and/or provided by The Bank of New York Mellon Corporation and/or its subsidiaries ("BNY Mellon") through this Site (collectively, the "Services"), are offered to you conditioned upon your acceptance without modification of these Terms of Use. By using this Site or any Services, you agree to these Terms of Use. Please read these Terms of Use carefully. If you do not agree to these Terms of Use, you may not use this Site or any Services offered or provided through this Site.

Modification

We may change these Terms of Use from time to time without notice to you. You should review these Terms of Use each time you use this Site or a Service to make sure you agree to them. By using this Site or Services or engaging in any of the activities described in these Terms of Use after changes have been made to these Terms of Use, you are agreeing to accept and comply with those changes.

Authorized Use; Copyrights and Trademarks

This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned by us or our content providers. You may use the information available from this Site for informational purposes only. You may print copies of pages from this Site for your personal purposes, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The availability of third party data from or through this Site is not to be used as a substitute for a license or services agreement directly with the relevant content provider. Except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without our express written permission or that of our content providers, as applicable ("Permission"). You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without Permission. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof without Permission. You may not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation, or other license provision in material or images on or from this Site. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to our trademarks or copyrighted material. The information contained in this Site is subject to change without notice.

We reserve the right to prohibit access to anyone whom we determine are violating these Terms of Use, restricting or inhibiting any other user from using or enjoying the Site, or whose conduct we reasonably determine may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.

Limited Availability, Eligibility

Not all Services mentioned on this Site may be available in all geographic areas. Your eligibility for particular products or Services is subject to final determination by us and/or the applicable content provider.

Limitation of Liability

BY ACCESSING THIS SITE OR RECEIVING ANY SERVICES, YOU AGREE TO WAIVE ALL CLAIMS AGAINST US AND ALL THIRD PARTY CONTENT PROVIDERS REGARDING THIS SITE, THE INFORMATION PROVIDED ON THIS SITE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE SERVICES, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOOD WILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM (1) THE USE OF OR INABILITY TO USE THIS SITE OR ANY SERVICES (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION; (3) THE COST OF SUBSTITUTE SERVICES; OR (4) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THIS SITE. WE SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH THIS SITE.

OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE OR CLAIM RELATED TO THESE TERMS OF USE, THE SITE, ANY SERVICES, OR THE PRIVACY POLICY IS YOUR CESSATION OF THE USE OF THIS SITE AND ANY AND ALL SERVICES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

WE CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE AND ANY SERVICES.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD US AND OUR THIRD PARTY CONTENT PROVIDERS HARMLESS FROM ANY LOSS, INCLUDING REASONABLE ATTORNEYS' FEES, RELATED TO ANY COST, DAMAGES, CLAIM OR EXPENSE RELATED TO ANY CONTENT YOU SUBMIT, POST TO OR TRANSMIT THROUGH THIS SITE.YOUR USE OF THE SITE OR THE SERVICES, YOUR CONNECTION TO THE SITE, YOUR VIOLATION OF THESE TERMS OF USE, OR ANY HARM YOU CAUSE ANOTHER USER.

Disclaimers

SOME OF THE CONTENT ON THIS SITE OR THE SERVICES MAY BE PROVIDED BY THIRD PARTY CONTENT PROVIDERS AND USERS. SEE "SOCIAL MEDIA" BELOW. WE ARE A DISTRIBUTOR AND NOT A PUBLISHER OF SUCH CONTENT AND HAVE NO CONTROL OVER IT. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTIES (INCLUDING MERCHANTS AND LICENSORS) ARE THOSE OF THE RESPECTIVE AUTHORS OF SUCH CONTENT AND NOT OURS.

ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS SITE, WE AND THE CONTENT PROVIDERS MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, RELIABILITY, OR COMPREHENSIVENESS OF CONTENT ON THIS SITE AND ANY SERVICE. THE INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE IS PROVIDED ON AN "AS IS" "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE AND THE CONTENT PROVIDERS CANNOT AND DO NOT GUARANTEE OR WARRANT THAT THE FILES AVAILABLE FOR DOWNLOADING FROM THIS SITE AND ANY SERVICE WILL BE FREE FROM INFECTIONS OR VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE WITH CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU HEREBY AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY AND ALL CLAIMS, LOSSES, EXPENSES OR DAMAGES RELATING TO ANY DISCLAIMED WARRANTY DESCRIBED IN THIS PARAGRAPH.

THE INFORMATION PROVIDED IN ANY SERVICE OR IN THIS SITE IS NOT INVESTMENT OR LEGAL ADVICE. INFORMATION RECEIVED VIA THIS SITE OR THE SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. THE INFORMATION CONTAINED IN THIS SITE, INCLUDING THE INVESTOR RELATIONS SECTION (INCLUDING, WITHOUT LIMITATION, STOCK QUOTES, STOCK CHARTS, AND SEC FILINGS) AND ANY ADDITIONAL CONTENT IS PUBLISHED SOLELY FOR INFORMATION PURPOSES AND IS NOT A SOLICITATION NOR AN OFFER TO BUY OR SELL ANY STOCK, MUTUAL FUND, OR OTHER SECURITY, NOR SHOULD IT BE USED IN CONNECTION WITH ANY SALE, OFFER FOR SALE OR SOLICITATION OF AN OFFER TO BUY SECURITIES OR ANY OTHER INSTRUMENT. SUCH INFORMATION DO NOT ATTEMPT OR CLAIM TO BE A COMPLETE DESCRIPTION OF THE SECURITIES, MARKETS, OR DEVELOPMENTS REFERRED TO IN THE MATERIAL. ALL EXPRESSIONS OF OPINION ARE SUBJECT TO CHANGE WITHOUT NOTICE. SUCH INFORMATION ARE OBTAINED FROM INTERNAL AND EXTERNAL SOURCES WHICH WE CONSIDERS RELIABLE, BUT WE HAVE NOT INDEPENDENTLY VERIFIED SUCH INFORMATION AND WE DO NOT GUARANTEE THAT IT IS ACCURATE OR COMPLETE. WE, OUR EMPLOYEES, AND OFFICERS AND DIRECTORS, MAY FROM TIME TO TIME HAVE POSITIONS IN THE SECURITIES MENTIONED AND MAY SELL OR BUY SUCH SECURITIES. INVESTMENT PRODUCTS ARE NOT BANK DEPOSITS, ARE NOT GUARANTEED OR INSURED BY THE FDIC OR OTHER ENTITY, AND ARE SUBJECT TO INVESTMENT RISKS, INCLUDING LOSS OF THE PRINCIPAL AMOUNT INVESTED.

WE ARE NOT PROVIDING INVESTMENT ADVICE, ACTING AS A FIDUCIARY OR ENDORSING ANY COMPANY, PRODUCTS, SERVICES OR SECURITIES BY PUBLISHING ANY INFORMATION CONTAINED IN THIS SITE. SUCH INFORMATION IS NOT INTENDED FOR TRADING PURPOSES OR FOR ANY PURPOSE OTHER THAN YOUR PERSONAL USE. IN PARTICULAR, STOCK QUOTES APPEARING IN THIS SITE MAY BE DELAYED BY AT LEAST 20 MINUTES. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY OR TIMELINESS OF ANY SUCH INFORMATION AND SHALL HAVE NO LIABILITY FOR INVESTMENT OR OTHER DECISIONS BASED UPON THIS INFORMATION. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WE SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY OR LOSS ARISING OUT OF ANY ACTION TAKEN IN RELIANCE ON THIS INFORMATION, INCLUDING MARKET VALUE LOSS ON THE SALE OR PURCHASE OF SECURITIES OR OTHER INSTRUMENTS OR OBLIGATIONS.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THAT THESE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH EVENT, SUCH DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

Severability

If a court determines that any Term of Use is illegal or unenforceable, then such term will be eliminated and the remaining Terms of Use will remain in force and effect.

Entire Agreement; Jurisdiction And Choice Of Law And Forum

These Terms of Use constitute your entire agreement with us regarding this Site and any Services, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and us with respect to the Site or the Services. This Site and/or the Services may not comply with legal requirements of foreign countries, therefore the Site, its contents, and the Services are intended only for access and use by United States residents and are presented solely as a service to visitors and/or subscribers located in the United States of America and its territories. These Terms of Use are governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with us, our employees, contractors, officers, directors, and content providers or relating in any way to your use of this Site or the Services resides in the state or federal courts in New York City, New York and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought under these Terms of Use. We and you hereby waive the right of trial by jury in any action arising out of or related to the Site, Services or these Terms of Use.

Submissions

You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to us. You also agree to maintain and promptly update any such information to keep it accurate. Other than information addressed under our Online Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information that you transmit or post to the Site becomes and will remain our property and may be used by us anywhere, anytime and for any reason whatsoever. Except as may be provided in the Online Privacy Policy, any information or materials submitted to us will be treated as non-confidential and non-proprietary, and we will not have any obligation to use or evaluate any information we receive from you. We will not have to pay you or anyone else for using any ideas or other materials that you may transmit to or post on the Site.

Links To Other Web Sites

This Site provides links to other Web sites that we think might be of interest to our users ("Linked Sites"). Please note that when you click on one of these links, you may be moving to another provider's Web site. These Linked Sites and their providers are not controlled by us, and we are not responsible for the contents or the proper operation of any Linked Site. The inclusion of any link does not imply our endorsement. We encourage you to read the terms of use and privacy statements of these Linked Sites as their policies may differ from ours.

Protecting Your Information

We utilize reasonable security technologies to protect sensitive information. However, the security of this information depends in part on the security of the computer you use to communicate with us, the security you use to protect User IDs and passwords, and the security provided by your internet access services provider. We are not responsible for the security of your internet access services provider; you should review the security and privacy policies of your internet access services provider carefully. Information that you access via this Site may be stored on your computer during your session for your convenience. If others have access to your computer or your User ID and password, they may be able to access this information. In any area of the Site requiring a password, you should log off the Site when you are done viewing information or whenever you leave your computer. We are not responsible for the security or privacy of information communicated to or from such a computer. Finally, you should keep any correspondence you receive relating to this Site or the Services (including, but not limited to, your User ID, passwords, other registration information, emails, order information, or any other information) confidential and in a safe place.

Inspection, Correction, and Removal of Information

We will use reasonable efforts to allow you to review, correct or update the information that you have provided to us at any time. Please note that because of back-up systems and records of deletions, it may not be possible for us to locate and remove from our systems residual information that you have provided to us.

We cannot require third parties to change information that has been disclosed to them with your consent. To modify this information, you will have to go directly to the relevant third party.

BNY Mellon is licensed under the following U,S, Patents: 5,940,510; 5,949,880; 6,105,013; and 6,237,095.

Social Media

We use a number of unaffiliated social media sites, including Twitter, Facebook, YouTube and LinkedIn to share product and service information, thought leadership material, news, events and career information. A list of these accounts can be found below.

Social Media pages are typically public and can show up in search engines like Google, Yahoo and Bing. Because our social media sites are public and anyone with an account can engage with us, we cannot be responsible for views expressed other than our own.

We reserve the right to prohibit posting on our social media pages, as well as the right to delete or edit any posted content or material for any reason and without notice. Any posting on these pages is subject to our policies of usage, as we may change them from time to time. We prohibit postings about securities products, investment recommendations, investment product performance, and client testimonials. In addition, we prohibit the posting of offensive, derogatory, inflammatory or illegal comments and statements.

We reserve the right to block or remove objectionable content and users if possible, in our sole discretion and without notice. Any delay in removing or failure to remove an objectionable posting should not be deemed an endorsement or approval of the posting, and does not preclude us from taking other steps to address objectionable content, particularly where a social media website restricts us from removing content or blocking users. If a follower forwards our posts and adds comments, such comments are the view and responsibility of the follower, and we expressly disclaim any responsibility over such communication.

These social media websites are established and hosted by third parties, and are governed by their separate website policies, including privacy policies and terms of usage. We are not responsible for their terms of use or privacy policies, or any other third party websites that may be linked to or by their pages. You use these sites at your own risk.

Interacting with BNY Mellon on Social Media Sites

Our social media sites are managed and monitored by BNY Mellon. We are actively watching what people are saying to and about BNY Mellon. However, because of the public nature of the platform, we cannot respond to or engage on all issues.

Never disclose any financial or personal information on any social media site or other website. BNY Mellon will never ask you for your Social Security number, account information, passwords, PINs or other personally identifiable information via social media or email. We are not responsible for the privacy or security practices of the social media sites we utilize. Please review their policies.

In addition, we do not endorse clicking on links posted by other social media users, as these links may pose risks to your computer or take you to inappropriate sites.

If you are a BNY Mellon client with specific questions about an account or investment, please contact your relationship manager directly. If you have any concerns or complaints about our social media websites, you may submit them using our online form.

Links to Third-Party Sites and Mentions

We may occasionally mention a user, tweet, re-tweet or repost links to third-party sites when we think you may find that information useful. However, this does not constitute an endorsement of the individual, site, product or company. See also "Links to Other Websites" above.

Our Social Media Sites

When accessing any third-party/external sites that may be linked above, you will leave the BNY Mellon web site. These sites are not controlled or endorsed by BNY Mellon, and BNY Mellon is not responsible for the contents, operation or security of these sites.

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