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TERMS OF USE AND LEGAL INFORMATION

As used herein, the terms “you” and “user” shall mean any visitor to this site (this “Website”).

By accessing this Website, you signify your agreement with, and understanding of, the following terms of use and legal information (“Terms”) pertaining to both this Website and any material on it. This Website is offered to you conditioned on your acceptance without modification of the Terms contained herein. Your use of this Website constitutes your agreement to all such Terms. 

Townsmith Advisory LP (“Townsmith”) reserves the right to change the opinions and any other content, including the Terms under which this Website is offered, without prior notice at any time. This Website and your access to it can be terminated at any time, with or without notice and for any reason.

Restrictions on Use and No Offer

The materials and information on this Website are for information purposes only and should not be used or considered as, and do not constitute, an offer to sell or the solicitation of any offer to buy any securities or financial instruments or to provide any investment service or investment advice in any jurisdiction. Any such offer or solicitation will be made only by means of delivery of a prospectus relating to a particular fund or investment management contract to qualified investors in those jurisdictions where permitted by law.

Townsmith provides no advice or recommendations with respect to the use of this Website, nor do the contents of this Website constitute investment, legal, tax or accounting advice or advice regarding the suitability or profitability of any transaction or investment.

Ownership of Site and Copyright

Townsmith owns and maintains this Website. This Website and any and all accompanying screens, information, materials, user documentation, user interfaces, images, arrangements of information, related software and other proprietary property of Townsmith or its licensors (“Materials”) accessible via this Website is and shall remain the exclusive property of Townsmith and its licensors, as the case may be. All rights to this Website remain with Townsmith or its licensors. This Website and its Materials may only be used for your personal education and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, sell or otherwise use by electronic or any other means any Materials obtained from this site without Townsmith’s prior written consent.

Unauthorized Access

This Website is not absolutely protected against unauthorized third parties. You acknowledge that any information provided through the internet may be potentially accessed by unauthorized third parties. Although Townsmith will make reasonable efforts to protect the privacy of users of this site, no guarantee can be made that unauthorized third parties will not access the information contained on this Website. You acknowledge that Townsmith is not responsible for notifying you that unauthorized third parties have gained such access or that any data has been otherwise compromised during transmission across computer networks or telecommunications facilities, including, but not limited to, the internet.

Consult Entirety of Materials

All Materials on this Website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or hedge clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

Third-Party Information

Certain information contained on this Website may be prepared by third parties. Townsmith does not endorse or recommend the information provided by such third parties. You understand that Townsmith has no control over such information, and therefore is not responsible for the content of any such information. Townsmith shall not be liable for any damage or loss caused by or in connection with the use of or reliance upon any such information. 

Links to Third-Party Sites

Townsmith has not reviewed unaffiliated sites to which this Website is linked, and is not responsible for the content of off-site pages or any other site linked or linking to the site. Your linking to any off-site pages or other sites is at your own risk. Townsmith makes no representations whatsoever about the opinions or accuracy of information expressed by any third party appearing on a linked site, neither regularly monitors nor has control over the contents of such sites, and does not endorse, and disclaims all responsibility for, the content of such statements or web sites.

Disclaimer of Warranties

This Website and all Materials are provided “as is,” “as available” without warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law. Without limitation, Townsmith does not warrant the accuracy, adequacy, completeness, reliability, timeliness or availability of this Website or any information on this Website, and expressly disclaims liability for errors or omissions on this Website. There is no warranty of merchantability, no warranty of fitness for a particular purpose, no warranty of non-infringement, no warranty of any kind, implied, express or statutory, in conjunction with this Website. Any contents on this Website are subject to change without notice. The Materials published on this Website may include inaccuracies or typographical errors. Townsmith further assumes no responsibility for, and makes no warranties that, functions contained at this Website will be uninterrupted or error-free, that defects will be corrected, or that the site or the server that makes it available will be free of viruses or other harmful components. In addition, Townsmith makes no representation about the suitability of the Materials for any purpose. You (and not Townsmith) assume the entire cost and risk of using this Website and the Materials. Please note that applicable law may not allow the exclusion of certain warranties, so some or all of the above exclusions may not apply to you.

Limitation of Liability

In no event will Townsmith be liable for any damages, or for repairs or corrections that must be performed, to or on your computer, person or other property, including, without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this Website or use thereof or the inability by any party to use such site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Townsmith, or representatives thereof, are advised of the possibility of such damages, losses or expenses. 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 applicable law. This limitation of liability applies regardless of any negligence or gross negligence of Townsmith or any of its officers, representatives, associates or agents. You accept all risks in relying on any information contained in this Website.

If you are dissatisfied with any portion of this Website, or with any of these Terms, your sole and exclusive remedy is to discontinue using this Website.

Privacy Policy

By visiting this Website, any visitor to this Website (“you” and “user”) are accepting and consenting to the provisions set forth in this Privacy Policy. If you do not agree to this Privacy Policy, you are instructed not to use this Website.  Townsmith reserves the right to change this privacy policy at any time by posting an updated version of the policy on the Website. You should visit this page periodically to review the privacy policy for changes.

This Privacy Policy does not apply to information Townsmith collects offline, through email, or through other websites. 

During your use of this Website, Townsmith may passively collect technical and usage data from you, the User, pertaining to your computer and/or internet connection. Such data may include the number and frequency of your visits to this Website, information regarding websites accessed immediately before and after your visit to this Website, your Internet browser type and IP address. This technical and usage data may be collected using "cookies", which are small text files that are stored on your computer that retain your information and preferences relative to your activities on a website, or other similar means.  You can change your privacy preferences regarding the use of cookies and other technologies through your browser, including blocking all cookies; however, blocking all cookies may affect your use of our Website and other websites and services online, and may prevent you from using all the features and elements of our Website and other websites and services. 

Townsmith may also collect and store data voluntarily provided by you, the user, while visiting this Website. User-provided data may include information related to the financial information services you have requested. In such instance, you will know what data we collect through the Website, because you actively submit it to us. 

Unless you also actively submit personal information, such as your name or address, passively tracked data does not typically allow us to identify you personally. 

Townsmith may disclose your data with your consent, or as required or authorized by law or regulation.

If you have any questions about this Privacy Policy please contact data@townsmithadvisory.com.

Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of Delaware, without regard to any conflicts of laws provisions that would mandate the applicable of the law of another jurisdiction. 

Severability

If a court of competent jurisdiction deems any provision of these Terms unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect. 

ANY INFORMATION YOU RECEIVE FROM TOWNSMITH IS BELIEVED TO BE ACCURATE. NEVERTHELESS, NEITHER TOWNSMITH NOR ITS AGENTS ARE LIABLE FOR ANY DEFICIENCIES IN THE ACCURACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF SUCH INFORMATION. THE INFORMATINO PROVIDED ON THIS WEBSITE DOES NOT NECESSARILY REFLECT THE MOST UP TO DATE OR CURRENT INFORMATION AVAILABLE. THE INFORMATION AND OPINIONS EXPRESSED HEREIN IS PROVIDED WITHOUT ANY WARRANTY OF ANY KIND. ANY PROJECTIONS, OUTLOOKS OR ASSUMPTIONS SHOULD NOT BE CONSTRUED TO BE INDICATIVE OF THE ACTUAL EVENTS WHICH WILL OCCUR. ANY PROJECTIONS, MARKET OUTLOOKS OR ESTIMATES IN THIS DOCUMENT ARE FORWARD‑LOOKING STATEMENTS AND ARE BASED UPON CERTAIN ASSUMPTIONS. OTHER EVENTS WHICH WERE NOT TAKEN INTO ACCOUNT MAY OCCUR AND MAY SIGNIFICANTLY AFFECT SUCH OUTLOOKS OR ESTIMATES. 

Assistance

If you need assistance with the Website, or if you need to communicate with Townsmith, you may email data@townsmithadvisory.com.