January 1, 2008
Wolverine Partners LLC (the company that created, runs and owns MUTUALdecision.com (the "Site") provides you with services including, but not restricted to, news, information services, and analytical tools for mutual funds. By accessing our Site, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use this Site. Each time you use this Site, the current version of the Terms and Conditions will apply. Accordingly, when you use the Site, you should check the date of the Terms and Conditions (which appears at the top right hand corner) and review any changes since the last version.
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. Wolverine Partners is a registered investment adviser. Wolverine is not a broker-dealer, and it does not buy or sell any securities, futures, options or other financial instruments to you. Registered investment companies and private funds do offer securities that may be purchased by you on other websites, and Wolverine Partners may assist clients in the analysis of such financial products. Wolverine Partners, its subsidiaries, and its affiliates, and their officers, directors or employees may own mutual funds that are mentioned on this Site.
All data and materials on the Site, including without limitation the text, graphic, logos, and all other audible, visual or downloadable materials, as well as the selection, organization, coordination, compilation and overall look and feel of the Site are the intellectual property of Wolverine Partners, its licensors and its suppliers. The data is protected by copyright and other intellectual laws and all ownership rights remain with Wolverine Partners, its licensors or its suppliers, as the case may be. You may use the data retrieved from our Site for your own personal or professional purposes, however, the copying, distribution or redistribution of the data by caching, framing or similar means, or selling, reselling, or re-transmitting of the data retrieved from our services to any third party is strictly prohibited, without the prior written consent of Wolverine Partners. You may not store the data for the purposes of creating a historical database or historical data product. If you are a Subscriber (as that term is defined in the Privacy Policy), the information provided to you per the subscription is for personal or professional use by one individual only. Subscribers are strictly prohibited from sharing their user names and passwords or allowing other individuals to access to their subscription. If it is determined that a subscriber is sharing its user name and password or a subscription is being used by more than one individual, the subscription may be terminated, in the sole discretion of Wolverine Partners. Subscription access for an institution or a corporation may be obtained by purchasing a group subscription.
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If you become a Registered User or a Subscriber (as those terms are defined in the Privacy Policy) and create an account on the Site, you agree to be responsible for: (i) maintaining the confidentiality of passwords or other account identifiers which you choose and (ii) all activities that occur under such password or account identifiers. You agree to notify Wolverine Partners of (i) any loss of your password or account identifiers and (ii) any unauthorized use of your password or account identifiers. Wolverine Partners cannot be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section of the Terms and Conditions.
If you are unhappy with your subscription for any reason, we will refund the remaining months on your quarterly or annual subscription at the end of the current month billing period. Refunds are not available for monthly subscriptions.
To provide you with a more complete resource for investment information and services, MUTUALdecision.com contains links to certain third party web sites. Wolverine Partners does not control the content that appears on third party web sites or take responsibility for such content, nor should it be implied that Wolverine Partners endorses or otherwise recommends such web sites or their products or services.
Any submissions you make to the public portions of our Site, including without limitation our message boards and MUTUALdecision Blog Area, will be public and posted in public areas on the Site. Additionally, to the extent permitted by law, any communication or material you transmit to our Site or Wolverine Partners will be treated as non-confidential and non-proprietary by Wolverine Partners. Except as provided in our Privacy Policy, by transmitting such communications to the Site or to Wolverine Partners, including but not limited to e-mails, materials, submissions, and postings, users automatically grant Wolverine Partners, its parents, affiliates, and subsidiaries an irrevocable, royalty-free, perpetual, non-exclusive, worldwide license to use, copy, display, publish, modify, and edit such communications in any form, media, technology whether now known or hereafter developed and to sublicense these rights to anyone. Wolverine Partners, its parents, partners, affiliates, subsidiaries, members, directors, officers, employees, and any contract or operational providers that conduct, operate and/or manage the MUTUALdecision Blog Area, will not be responsible for the action of any user or third parties with respect to any information, materials or content posted, uploaded or transmitted in this area. You are responsible for all content that you post, e-mail, transmit, upload or otherwise make available through our Site. You agree not to use the MUTUALdecision Blog Area or this Site to make available any content that: is unlawful, harmful to others, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable; or infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person; or contains unauthorized advertising; or is intended by the user to interrupt, destroy or limit the functionality or integrity of any computer software, hardware or materials on this Site. Wolverine Partners reserves the right, in its sole discretion, to remove any posting in the MUTUALdecision Blog Area or any other area of the Site.
Your use of the information provided on this Site, including but not limited to the analytical tools and models, is entirely at your own risk and its your sole responsibility to evaluate and assess the completeness, accuracy and usefulness of the information, tools and models provided on the Site. We encourage our users to complete their own research on mutual funds and consider the risks involved in investing and whether investing in a particular mutual fund is appropriate for you. The past performance of a mutual fund (including Exchange Traded Funds), stock or investment strategy cannot guarantee its future performance. Future performance of a mutual fund may be affected by numerous factors, including but not limited to market conditions, changes in fund managers, and modifications in business models or strategies, and therefore, predicting future mutual fund performance or market performance, in general, is impossible. No investment tool, including the analytical tools and models provided on this Site, can guarantee success in investing. The analytical tools and models provided on this Site are based on historical data, and therefore, the results might not hold true for the current market.
The data, information, services, products offered for sale and materials contained in and/or advertised on the Site, including without limitation, the analytical tools, text, graphics and links, are provided on an "as is" basis with no warranty. Although the information provided to you on the Site is obtained or compiled from sources we believe to be reliable, we cannot and do not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, AND SUPPLIERS MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER TO YOU OR ANY OTHER PERSON RELATING IN ANY WAY TO THE SITE. WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, AND SUPPLIERS DISCLAIM TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANY AND ALL SUCH REPRESENTATIONS AND WARRANTIES. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, AND SUPPLIERS DISCLAIM TO THE MAXIMUM EXTENT PERMITTED BY LAW ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY (I) WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (II) WARRANTIES AGAINST INFRINGEMENT OF ANY THIRD PARTY INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS; (III) WARRANTIES RELATING TO DELAYS, INTERRUPTIONS, ERRORS, OR OMISSIONS IN THE SITE, OR ANY PART THEREOF; (IV) WARRANTIES RELATING TO THE TRANSMISSION OR DELIVERY OF THE SITE; (V) WARRANTIES RELATING TO THE ACCURACY OR CORRECTNESS OF DATA ON THE SITE AND (VI) OTHER WARRANTIES RELATING TO PERFORMANCE, NONPERFORMANCE, OR OTHER ACTS OR OMISSIONS OF WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, OR SUPPLIERS . FURTHER, AND WITHOUT LIMITING THE GENERALITY OF ANY OF THE FOREGOING, THERE IS NO WARRANTY THAT THE SITE WILL MEET YOUR NEEDS OR REQUIREMENTS OR THE NEEDS OR REQUIREMENTS OF ANY OTHER PERSON. SERVICES MAY BE LIMITED BY MANY FACTORS, INCLUDING INHERENT RISKS OF THE INTERNET. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES OR IMPLIED WARRANTIES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, WOLVERINE PARTNERS', ITS AFFILIATES', AGENTS', LICENSORS', AND SUPPLIERS' LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
IN NO EVENT WILL WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS OR ANY PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE BE LIABLE IN ANY MANNER WHATSOEVER FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES ARISING OUT OF THIS SITE, YOUR ACCESS, USE OR INABILITY TO USE THIS SITE, OR IN CONNECTION WITH ANY FAILURE OR PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE (INCLUDING LOSS PROFITS, LOSS OF BUSINESS OR DATA, BUSINESS INTERRUPTION, AND DAMAGES THAT RESULT FROM INACCURACY OF THE INFORMATION ON THE SITE OR INCONVENIENCE, DELAY, OR LOSS OF THE USE OF THE SITE). WOLVERINE PARTNERS SHALL HAVE NO LIABILITY FOR THE ACCURACY, TIMELINESS, OR COMPLETENESS OF THE INFORMATION PROVIDED ON THIS SITE OR FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE INFORMATION PROVIDED ON THIS SITE. WOLVERINE PARTNERS RESERVES THE RIGHT TO ALTER OR REMOVE THE CONTENT OF THIS SITE OR SUSPEND OR TERMINATE YOUR USE IN ANY WAY, AT ANY TIME, FOR ANY REASON, WITHOUT PRIOR NOTIFICATION, AND WILL NOT BE LIABLE IN ANY WAY FOR POSSIBLE CONSEQUENCES OF SUCH CHANGES. THE FOREGOING LIMITATIONS APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF WOLVERINE PARTNERS, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS OR ANY OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WOLVERINE PARTNERS', ITS AFFILIATES', AGENTS', LICENSORS' AND SUPPLIERS' LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
These Terms and Conditions shall be governed and construed in accordance with the laws of the State of Virginia, excluding its conflicts of law rules. Any dispute arising out of or relating to these Terms and Conditions or your access or use of this Site will be subject to the exclusive jurisdiction of the court located within the County of Arlington in the State of Virginia, and you hereby submit to the personal jurisdiction of such courts.
To learn about how Wolverine Partners protects your personal information, please refer to our Privacy Policy.
