Privacy

BY USING THIS SITE, YOU ACKNOWLEDGE AND AGREE TO THE FOLLOWING DISCLAIMER AND TERMS AND CONDITIONS

Intended Recipient: The information contained in this website is intended for use by insurance companies. It is not intended for use by any other class of institutional investor or for retail investors.

Not Recommendation or Investment Advice: Website content is provided for informational and educational purposes only. It is not designed to be a recommendation of any specific investment product, strategy, or decision, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized. The information contained herein is not intended to provide, and should not be relied upon for, accounting, legal, tax, or investment advice. The information contained in this website was not prepared, and is not intended, to address the needs, circumstances, and objectives of any specific institution. The products and strategies described herein are not suitable for all investors.

Investment Risk: All investments involve risk and may lose value. The value of an investment can go down depending upon market conditions. Investing in the bond market is subject to certain unique risks including market, interest-rate, issuer, credit, inflation, liquidity, valuation, volatility, prepayment, and extension that clients should be prepared to bear.

Views Subject to Change: All information and opinions found on this website are presented only as of the date published or indicated, is subject to change, and may be superseded by subsequent market events or for other reasons.  In addition, website visitors are responsible for setting the cache settings on their browser to ensure receipt of the most recent data.

Forward-Looking Statements: Predictions and any other forward-looking statements on the website speak only as of the date they are made, and AAM assumes no duty to update them. Forward-looking statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those anticipated. Although this material is based upon information that AAM considers reliable and endeavors to keep current, AAM does not assure that this material is accurate, current or complete, and it should not be relied upon as such. Any opinions expressed on this website may change as subsequent conditions vary.

Past Performance: Past performance is not a guarantee of future results.

Privacy Policy: Please review AAM’s Privacy Policy, located separately on this website and hereby incorporated by reference, to learn about AAM’s information collection practices and the measures taken to preserve the privacy and security of visitor information.

Indemnity: Decisions based on information contained in this website are the sole responsibility of the website visitor. In exchange for using this website, the visitor agrees to indemnify and hold AAM, its officers, directors, employees, affiliates, agents, licensors, and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from the visitor’s use of this website, from the violation of these Terms, or from any decisions that the visitor makes based on such information.

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

Website Links: Although this website may be linked to other sites, AAM is not, directly or indirectly, implying any approval, association, sponsorship, and endorsement, or affiliation with any linked site, unless specifically stated therein. By entering this website, visitors acknowledge and agree that AAM has not reviewed all the sites that may be linked to this website and is not responsible for the content of any off-site pages of any other site linked to this website. Such third party may have a privacy policy different from that of AAM, while the third-party website may provide less security than the AAM website. Visitors acknowledge and agree that when they follow links to pages not maintained on this website, they do so at their own risk.

Transmissions to and from this Website: Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from this website may not be secure. Communications to AAM, particularly those containing confidential information, may be sent by mail to: AAM, 30 West Monroe Street, 3rd Floor, Chicago, Illinois 60603-2405, Attn: Webmaster. AAM shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to AAM through this website.

Trademarks, Copyrights, and other Intellectual Property: The information contained in this website is owned or licensed by AAM and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for the personal, non-commercial use of website visitors. Accordingly, visitors may not copy, distribute, modify, post, frame, or deep link this website, including any text, graphics, video, audio, software code, user interface design or logos. Visitors may download material displayed on this website for personal use provided they also retain all copyright and other proprietary notices contained on the materials. Visitors may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including all text, images, audio, and video, without AAM’s written permission. Modification or use of the materials for any other purpose violates AAM’s intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this website are proprietary to AAM and/or their respective owners. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of AAM or such other third party that may own the trademark displayed on this website. Visitor use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.

The use of the images displayed on this website by visitors, or anyone else authorized by visitors, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If visitors download any information from this website, visitors agree not to copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Cookies: This website uses cookies. The cookies used are to help make the website more user-friendly. Visitors are not required to accept cookies and may delete and block cookies from this website.

AAM RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. AAM SUGGESTS THAT VISITORS REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES WILL BE EFFECTIVE IMMEDIATELY UPON POSTING. VISITORS ACKNOWLEDGE THAT BY ACCESSING THIS WEBSITE AFTER CHANGES TO THESE TERMS HAVE BEEN POSTED, VISITORS ARE AGREEING TO THESE TERMS AS MODIFIED.

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Prepared by Horrigan Resources
NOT LEGAL ADVICE
February 7, 2018