LEGAL INFORMATION:TERMS OF USE

Acceptance of Terms

Rowling & Associates LLC, doing business as Rowling & Associates (“R&A”, “our”, or “we”), provides this InStrategy website to you subject to the following Terms and Conditions of Use (“TOU”). By using this website, you agree to these terms and conditions without limitation or qualification.

R&A reserves the right to update these TOU, and the services contained on this website, at our sole discretion without prior notice to you. It is your responsibility to check the TOU periodically for any updates. Your continued use of this website following any posted updates will mean that you accept and agree to such updates. R&A reserves the right to seek all remedies available by law and in equity for any violation of these TOU. Any rights not expressly granted herein are reserved.

Trademarks and Copyrights

All trademarks, service marks, trade names, and logos are proprietary rights of R&A and any other referenced third parties. All writing on this website is protected by copyright. No portion of this website may be distributed or reproduced by any means or in any form without R&A’s prior written consent. Nothing contained on this website should be construed as a grant, by implication or otherwise, of any license or right to use any trademark, service mark, logo, or copyrighted material contained on this website.

Use of Website Information

The use of all content on this website is subject to the following terms and conditions, unless otherwise indicated on this website: (1) you will only use this website and content contained herein for lawful purposes in accordance with the TOU; (2) the content contained on this website may be used solely for your personal, non-commercial and informational use; (3) any copy of content for such non-commercial and informational purposes must include all trademarks, copyright and proprietary notices in the same manner as the posted original content, and such copy must not be modified in any way unless authorized in advance in writing by R&A; (4) R&A reserves the right to revoke authorization at any time, and any such use will be discontinued immediately upon notice from R&A; (5) the distribution or redistribution of any content is strictly prohibited; (6) you will not upload, post, email or otherwise transmit any advertising or promotional materials, including without limitation, “junk mail,” or “spam,” or any other form of solicitation or unauthorized communication; and (7) you will not upload, post, email or otherwise transmit any material that contains viruses or any computer code, files or programs which may limit or interfere with the functionality of any software, hardware or any related equipment.

Links to Third Party Websites

This website may contain links to third party websites. R&A does not review or monitor any such third party websites and is not responsible for any content of any such linked website. R&A makes no representations or warranties regarding the accuracy or any other aspect of the linked information controlled by any referenced third parties. Nothing contained in any InStrategy service or any content on this website should be construed as R&A’s endorsement or recommendation of the third party’s services. Additionally, R&A’s use of third party websites does not constitute an endorsement or recommendation by them of R&A’s InStrategy services or our firm.

INDEMNITY

AS A USER OF THIS WEBSITE YOU AGREE TO INDEMNIFY R&A, ITS OFFICERS, DIRECTORS, SHAREHOLDERS, SUCCESSORS IN INTEREST, EMPLOYEES, AGENTS, DISTRIBUTORS, AND AFFILIATES WITH RESPECT TO, AND HOLD THEM HARMLESS FROM, ANY DEMANDS, LOSS, LIABILITY, CLAIMS OR EXPENSES (INCLUDING ATTORNEYS’ FEES) MADE AGAINST R&A BY ANY THIRD PARTY DUE TO OR ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR MISUSE OF THIS WEBSITE.

LIMITATION OF LIABILITY

IN NO EVENT WILL R&A OR ANY OF ITS THIRD PARTY PROVIDERS, AGENTS AND EMPLOYEES INVOLVED IN THE CREATING, PRODUCING, AND DELIVERING OF THIS WEBSITE BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR DAMAGES THAT RESULT FROM USE OF, OR INABILITY TO USE, THE WEBSITE CONTENT, OR ANY INCONVENIENCE OR DELAY), CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE TOU OR THE PERFORMANCE OR BREACH OF THE TOU, YOUR OR ANOTHER PERSON’S USE OF, OR INABILITY TO ACCESS, THE CONTENT, OR ANY INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE, TO THE FULLEST EXTENT PERMITTED BY LAW. R&A ASSUMES NO LIABILITY FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR USE, ACCESS TO, BROWSING, OR DOWNLOADING OF ANY CONTENT MATERIALS VIA THIS WEBSITE. ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED VIA THIS WEBSITE ARE OBTAINED UPON YOUR SOLE DISCRETION AND RISK.

DISCLAIMER OF WARRANTIES

THIS WEBSITE IS PROVIDED ON AN “AS IS” BASIS. WHILE R&A USES REASONABLE EFFORTS TO PROVIDE ACCURATE AND CURRENT INFORMATION ON THIS WEBSITE, THERE MAY BE INADVERTENT ERRORS OR OMISSIONS. NEITHER R&A NOR ANY THIRD PARTY PROVIDER WHO CONTRIBUTES TO THIS WEBSITE IN ANY MANNER MAKES ANY WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE WEBSITE CONTENT, INCLUDING WITH RESPECT TO WHETHER SUCH CONTENT WILL BE UNINTERRUPTED AND/OR ERROR FREE. NEITHER WE NOR ANY THIRD PARTY PROVIDER TO THIS WEBSITE MAKES ANY EXPRESS OR IMPLIED WARRANTIES WITH RESPECT TO THIS WEBSITE OR THE CONTENT CONTAINED HEREIN, AND WE AND THEY DISCLAIM ANY IMPLIED WARRANTY OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE CONTENT. YOU ASSUME THE ENTIRE RISK FOR USE OF THE WEBSITE AND ANY CONTENT HEREIN.

General

InStrategy is an R&A service product for institutional advisors only.

Any research information contained on this website is provided for general informational purposes only and is based on available public information prior to the time of posting. We consider such information reliable but do not represent that it is accurate or complete, and it should not be relied on as such. The information contained on this website is considered current prior to the posting date but is subject to change without prior advance notice.

R&A conducts investment management business for retail clients in addition to providing InStrategy services. Investment information contained herein should not be construed as investment advice; such information is provided for general information and non-commercial purposes only and should not be relied upon as suitable for your particular circumstances. Investing involves risk with possible loss of principal. You should carefully evaluate the merits of investing and consult your financial, business, tax, accounting and legal advisors with respect to whether investments are suitable for your specific circumstances.

The information on this website is limited to general information about InStrategy services and is provided solely for the convenience of the website users. Neither this website nor the information contained herein constitutes, and they should not be construed as an offering of, advisory services or an offer to sell or solicitation of an offer to buy any securities or related financial instruments in any jurisdiction in which such offer or solicitation, purchase or sale would be illegal under the securities or other laws of such jurisdiction.

All materials on this website are the property of R&A and may not be reproduced without our prior consent. Unauthorized use will be subject to legal action.

Governing Law

The TOU will be governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be performed wholly within such state. You agree that any dispute or action at law or in equity arising out of or relating to these TOU or your use of this website will be commenced only in the state or federal courts of competent jurisdiction located in San Diego County, California, and you hereby consent and submit to personal jurisdiction of such courts for the purposes of any dispute or action.

Privacy Policy

R&A does not trade, share, or sell your information to unrelated third parties for direct marketing purposes. We value the privacy of our clients and website users. You are not required to provide any non-public information (“NPI”) via this website. If you choose to provide us with your NPI (e.g., email address, full name, or residence address), we may share such information solely for business purposes as necessary. Additionally, R&A will disclose your NPI if required by law to protect personal safety, the public, or this website.

R&A may collect domain information to assist us with analysis of how our website is being used by visitors. This data enables the firm to become familiar with the number of visitors to this website, frequency of the visits, and certain pages that may be visited often. We use this information to improve our website offerings, and such information is collected automatically without any action by you.

Accessing this website may generate “cookies.” Cookies are text files sent by the web server and placed on your hard drive for identification purposes. A cookie file may include information such as a user ID to track pages visited. Any personal information provided via a cookie is information supplied by you upon accessing this website. The files are used for server registration, customization and convenience the next time you visit this website.

R&A strives to protect your personal information; however, we recommend that you take precautions to protect your personal data when you are on the internet.