The following terms and conditions govern your use of this Internet web site (www.qma.com). Your use of our web site and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this web site and Content. This web site presents information and content that is owned or licensed by QMA LLC, it’s parents, subsidiaries and affiliates ("QMA"). When used in these Terms and Conditions, "we" and "our" mean QMA.
QMA offers products and services available through portions of this web site. These terms and conditions apply only to your use of this web site and Content, and they do not apply to your use of any products or services offered by our affiliates at other web sites. We may have established additional or different terms and conditions for products and services. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by public authorities. You agree to review all applicable terms and conditions relating to QMA’s products and services. In the event of any conflict between the terms and conditions on this web site and such additional terms and conditions, the additional terms and conditions shall govern and control. Further, if you have an account with QMA, your customer relationship is also governed by other agreements, such as your account agreement, as applicable.
Do Not Rely on this Web Site for You to Determine Financial Decisions
The Content on this web site is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this web site before you make decisions. Nothing on this web site constitutes an offer to sell or buy any product. Account information available on this web site is not the official record of your account. Nothing on this web site should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this web site is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.
Ownership and Use of Content
All of the information and content on this web site, including but not limited to all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by QMA. The Content is protected by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. QMA reserves the right to terminate at any time your right to make personal copies of Content. You must obtain QMA’s prior written consent before you use the Content on any other web site or in a networked computer environment for any purpose, or before you republish or redistribute the Content, or otherwise use the Content for any purpose other than your personal, non-commercial use. You may not frame the Content within another web site. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.
QMA and QMA LLC, Prudential, Prudential Online, and the Prudential Rock Financial logo are service marks of The Prudential Insurance Company of America (“Prudential”). Other proprietary Prudential marks may be designated as such from time to time on this site through use of the SM or ® symbols. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of any Prudential registered service marks or other proprietary Prudential marks.
For certain types of communications through this web site, we require the use of encryption technologies provided for your protection and/or use by you of UserIDs and Passwords. You are responsible to protect your UserIDs and Passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error.
The information provided on this website is for informational purposes only and should not be construed as a solicitation or the offering of investment services of QMA to any investor, including but not limited to, investors residing outside the United States or in any jurisdiction in which offers, solicitation, or the provision of investment management services would be unlawful under the applicable laws of such jurisdiction. Not all of the products or services described on this web site are available to investors residing outside the United States and/or you may not be eligible for them. We reserve the right to determine eligibility. QMA is registered as an investment adviser with the United States Securities & Exchange Commission.
Your use of this web site and Content is at your own risk. We strive to provide accurate and up-to-date material on this web site. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Content may become inaccurate as a result of developments after its publication on this web site. QMA assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this web site and the operation of it are provided “as is” and QMA disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.
Neither QMA, any of its agents, nor any other party involved in creating, producing, or delivering this web site or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this web site or any Content.
QMA reserves the right to change the Content on this web site and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this web site constitutes your acceptance of any change or update, all of which shall become controlling when posted.
All information, other than personal information subject to QMA’s Internet Privacy Statement, submitted to QMA through this web site or any related QMA web site is the property of QMA. QMA shall be free to use any ideas, concepts, know-how or techniques that you may submit to QMA through this web site for any purpose, including but not limited to, improving our services. We shall not be subject to any obligations of confidentiality regarding any submitted information except as specified in QMA Internet Privacy Statement, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
Please click here to view QMA's Internet Privacy Statement.
This web site does not intend to market any QMA products or services to children under thirteen (13) years of age. QMA does not knowingly gather or solicit data from children under thirteen (13) years of age through this web site for marketing purposes. By using this web site you represent that you are not under thirteen (13) years of age.
Cautionary Language Regarding Forward-Looking Statements
All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by QMA executives that relates to QMA's future performance or financial results are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ and readers are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in Prudential Financial’s Securities and Exchange Commission reports, including the annual report on Form 10-K for the most-recently ended reportable year.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of New York, without giving effect to conflict of law principles thereof.
United States Only
The services and products described and information provided through this web site are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject QMA to any registration requirement within such jurisdiction or country. Persons who access this web site do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this web site may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. QMA prohibits your downloading or exporting of software or other material from this web site in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this web site, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.