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Privacy, Data Use and Retention Policy

Last updated: February 6th, 2020

Who we are

This data privacy, use and retention notice (the “Privacy Notice”) applies to all personal information collection and processing activities carried out by C50 Index LLC Limited and its group (together, “C50 Index”). C50 Index is a data controller in respect of personal information that we process in connection with our business in this notice, references to “we”, “us” or “our” are references to C50 Index. Our principal address is C50 Index LLC 30 N Gould St Ste R, Sherdian, WY , 82801 United States of America and our privacy email address is [email protected] We respect individuals’ rights to privacy and the protection of personal information. The purpose of this Privacy Notice is to explain how we collect and use personal information in connection with our business. “Personal information” means information about a living individual who can be identified from that information (either by itself or when it is combined with other information). We may update our Privacy Notice from time to time. When we do we will communicate any changes to you and publish the updated Privacy Notice on our website. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

The Information we process

We collect and process various categories of personal information at the start of, and for the duration of, your relationship with us. We will limit the collection and processing of information to information necessary to achieve one or more legitimate purposes as identified in this notice. Personal information may include:

Basic personal information, including name and address, date of birth and contact details
Financial information, including account and transactional information and history on C50 Index LLC account holders.
Goods and services we provide to
Online profile and social media information and activity, based on your interaction with us and our websites and applications, including for example your login information, Internet Protocol

(IP) address, smart device information, location coordinates, online and mobile app security authentication, mobile phone network information, searches, site visits and spending patterns. We may also process certain special categories of information for specific and limited purposes, such as detecting and preventing financial crime or to make our services accessible to customers. We will only process special categories of information where we’ve obtained your explicit consent or are otherwise lawfully permitted to do so (and then only for the particular purposes and activities set out at Schedule B for which the information is provided). Where permitted by law, we may process information about criminal convictions or offences and alleged offences for specific and limited activities and purposes, such as to perform checks to prevent and detect crime and to comply with laws relating to money laundering, fraud, terrorist financing, bribery and corruption, and international sanctions. It may involve investigating and gathering intelligence on suspected financial crimes, fraud and threats and sharing data with taxation, law enforcement, and regulatory bodies.

How we obtain information

Your information is made up of all the financial and personal information we collect and hold about you/your business and the proprietors, officers and beneficial owners of that business and your transactions. It may include: information you give to us; information that we receive from third parties

including other C50 Index LLC group companies, third parties who provide services to you or us, credit reference, fraud prevention or government agencies, and other financial institutions (where permitted by law); information that we learn about you through our relationship with you and the way you operate your accounts and/or services, such as the payments made to and from your accounts; information that we gather from the technology which you use to access our services (for example location data from your mobile phone, or an IP address or telephone number) and how you use it (for example pattern recognition); and information that we gather from publicly available sources, such as the press, the electoral register, company registers and online search

Your rights

We want to make sure you are aware of your rights in relation to the personal information we process about you. We have described those rights and the circumstances in which they apply in the table at Schedule A. If you wish to exercise any of these rights, if you have any queries about how we use your personal information that are not answered here, or if you wish to complain to our Data Protection team, please contact us at [email protected]. Please note that in some cases, if you do not agree to the way we process your information, it may not be possible for us to continue to operate your account and/or provide certain products and services to you through the C50 Index website. In the event our relationship with you terminated (for example, you choose to close your C50 Index LLC Account), you may request the erasure of your personal data by contacting [email protected]. Please note that C50 Index LLC will only comply with such requests to the extent it is legally obligated to and depending on your account activity until that date, certain personal data may be maintained in accordance with anti-money laundering and counter-terrorist financing legislation to which C50 Index LLC is subject.

Changes to the way we use your information

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change, we will notify you and will allow a period of at least 30 days for you to raise any objections before the change is made. However, please note that in some cases, if you do not agree to such changes it may not be possible for us to continue to operate your account and/or provide certain products and services to you through the C50 Index website.

How we may use and share your information with other C50 Index LLC group companies

We will only use and share your information where it is necessary for us to lawfully carry out our business activities. Your information may be shared with and processed by other C50 Index LLC group companies. We want to ensure that you fully understand how your information may be used. We have described the purposes for which your information may be used in detail in a table in Schedule B – Purposes of Processing.

Your Consent

We process your personal data if you have consented to the processing activity. You may revoke your consent at any time. Doing so will bar us from further processing of your personal data based on your consent, but will not impact the lawfulness of processing based on your consent before it was withdrawn. Some of the features of our products and services might be only available based on consent.

Consent

By using the Website and the C50 Index LLC Services, you agree that you consent to this Privacy Policy, as updated from time to time and, if you have provided personal data, to us relating to any other person, you:

Have a right to provide that information;
Have provided a copy of this privacy policy, as updated from time to time, to that person; and

each of these persons have agreed to those terms.

Where we store personal Data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (" EEA "). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. Our third party service providers are contractually bound to protect and use your personal data solely for the purposes for which it was disclosed, except as otherwise required or permitted by law. We ensure that such third parties will be bound by terms no less protective than those described in this Privacy Policy and as permitted under European data protection law and other applicable laws. All information you provide to us is stored on our secure servers. Any payment transactions will Be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. We use reasonable physical, electronic and procedural safeguards to protect the personal information that we obtain from you from loss, misuse and unauthorised access, disclosure, alteration and getting destroyed. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. Who is the controller of your Personal Data C50 Index LLC, a company incorporated and registered in Sheridan, Wyoming with its registered address at is 30 N Gould St Ste R, Sherdian, WY, 82801 United States of America is the controller of your personal data.

Sharing with third parties

We will not share your information with anyone outside of the C50 Index LLC group except

Where we have your
Where required to provide your product(s) or service(s).
Where we are required by law and by law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the
With other financial institutions and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party; with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our packing labels and provide your currency
With other financial institutions to help trace funds where you are a victim of suspected financial crime, and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial
With debt collection
With credit reference and fraud prevention
With third-party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or
Where required for a proposed sale, re-organization, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our
In anonymized form as part of statistics or other aggregated data shared with third parties or Where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed

If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third-party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account. We are not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you. In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorized user with all other authorized users. C50 Index LLC will not share your information with third parties for their marketing purposes without your permission.

Transferring information overseas

We may transfer your information to or your information may be collected directly by organisations in other countries (including other C50 Index LLC group companies, for example in India, where C50 Index LLC’s Customer Support function is located) on the basis that anyone to whom we pass that information or who collects it directly protects it in the same way we would and in accordance with applicable laws If we transfer information to countries outside of the European Economic Area (which includes countries in the European Union as well as Iceland, Liechtenstein and Norway), we will only do so where:

The European Commission has decided that the country or the organization we are sharing your information with will protect your information
The transfer has been authorized by the relevant data protection authority; and/or we have entered into a contract (deed of adherence) with the organisation with which we are sharing your information (based on the model clauses proposed by the European Commission) to ensure your information is adequately

Marketing information

Upon signing up to use C50 Index LLC’s services, you consented to and told us that you want to hear from us regarding marketing updates, as is expressly stated at the Sign-Up stage of opening a C50 Index LLC Account. We will send you relevant marketing information (including details of other products or services provided by us or other C50 Index LLC group companies which we believe may be of interest to you), by email. If you change your mind about how you would like us to contact you or you no longer wish to receive this information, you can simply unsubscribe from our marketing emails at any time by clicking “Unsubscribe” in any previous communication we have sent or by contacting us at: [email protected]

Communications about your account

We will contact you with information relevant to the operation and maintenance of your C50 Index LLC account (including updated information about how we process your personal information), by a variety of means including via, email, text message, and in-app notifications. If at any point in the future you change your contact details you should tell us promptly about those changes. We may monitor or record calls, emails, text messages or other communications in accordance with applicable laws for the purposes outlined in Schedule A – Purposes of Processing.

Fraud prevention

We may access and use information from fraud prevention agencies when you open your account and periodically to:

Manage and take decisions about your
Prevent criminal activity, fraud and money
Check your identity and verify the accuracy of the information you provide to us

Application decisions may be taken based solely on automated checks of information, for example from fraud prevention agencies and internal C50 Index LLC records. To help us make decisions on verifying your C50 Index LLC account, as well as transaction limits on your C50 Index LLC account, we look at the information you give us when you apply for a C50 Index LLC Account. Including information regarding your location, age, nationality and/ or citizenship and other information which enables us to verify your identity and perform a risk assessment for money laundering and fraud prevention purposes. You have rights in relation to the automated decision-making used in the verification process, including a right to attempt account verification again, or contact our Customer Support team if your application is refused. We will also profile your C50 Index LLC Account to assign a risk rating for the purposes of fraud and unusual transaction monitoring and unauthorized access prevention. The information we will use to profile you will include your age, bank country of residence and status as a politically exposed person or otherwise. We will continue to collect and monitor information about how you manage your C50 Index LLC account including your account balance, payments into your account, the regularity of payments being made, and any default in making payments, while you have a relationship with us. This information may be made available to other organizations (including fraud prevention agencies and other financial institutions) so that they can take decisions about you. If the false or inaccurate information is provided and/or fraud is identified or suspected, details will be passed to relevant fraud prevention agencies. Law enforcement agencies and other organizations may access and use this information. We cooperate fully to the extent of our legal obligations in the prevention of fraud, money laundering, and counter-terrorism. If we, or a fraud prevention agency, determine that you pose a fraud, money laundering or another criminal risk, we may refuse to provide the services you have requested, or we may stop providing existing services to you. A record of any fraud, money laundering or other criminal risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. Fraud prevention agencies can hold your information for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years. When fraud prevention agencies process your information, they do so on the basis that they have a legitimate interest in preventing fraud and money laundering, and to verify your identity, in order to protect their business and to comply with laws that apply to them.

How long we keep your information

By providing you with products or services, we create records containing your information, such as customer account records and activity and transaction records. Records can be held on a variety of media (physical or electronic) and formats, but they are primarily held electronically. We manage our records to help us to better serve our customers (for example for operational reasons, such as dealing with any queries relating to your account) and to comply with legal and regulatory requirements. Records help us demonstrate that we are meeting our responsibilities and to keep as evidence of our business activities. Retention periods for records are determined based on the type of record, the nature of the activity, product or service, the country in which the relevant C50 Index LLC company is located and the applicable local legal or regulatory requirements. We (and other C50 Index LLC group companies) normally keep customer account records for up to six years after your relationship with C50 Index LLC ends. Retention periods may be changed from time to time (or waived where deemed low-risk) based on business or legal and regulatory requirements. We may on exception retain your information for longer periods than those stated above, particularly where we need to withhold destruction or disposal based on an order from the courts or an investigation by law enforcement agencies or our regulators. This is intended to make sure that C50 Index LLC will be able to produce records as evidence if they’re needed. If you would like more information about how long we keep your information, please contact us at: [email protected]

Schedule A – Your Rights

Rights Description

Access – You have a right to get access to the personal information we hold about you. If you would like a copy of the personal information we hold about you, please write to [email protected] For more information on how to get access to your information and the documents we need you to submit, please email [email protected]. You will be required to complete a form outlining your request and will also need to provide proof of your identity (to ensure we are dealing with the account owner). Rectification – You have a right to rectification of inaccurate personal information and to update incomplete personal information. If you believe that any of the information that we hold about you is inaccurate, you have a right to request that we restrict the processing of that information and to rectify the inaccurate personal information. Please note that if you request us to restrict processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you through the C50 Index LLC website. For more information on how to rectify your information and the documents we need you to submit, please email [email protected] You will be required to complete a form outlining your request and will also need to provide proof of your identity (to ensure we are dealing with the account owner). Erasure – You have a right to request that we delete your personal information. You may request that we delete your personal information if you believe that:

We no longer need to process your information for the purposes for which it was provided; we have requested your permission to process your personal information, and you wish to withdraw your consent; or
We are not using your information in a lawful

Please note that if you request us to delete your information, we may have to suspend the operation of your account and/or the products and services we provide to you. For more information on how to request erasure of your information and the documents we need you to submit, please email [email protected]. You will be required to complete a form outlining your request and will also need to provide proof of your identity (to ensure we are dealing with the account owner). Restriction – You have a right to request us to restrict the processing of your personal information. You may request us to restrict processing your personal information if you believe that:

Any of the information that we hold about you is inaccurate;
We no longer need to process your information for the purposes for which it was provided, but you require the information to establish, exercise or defend legal claims; or
We are not using your information in a lawful

Please note that if you request us to restrict processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you. For more information on how to request a restriction of processing of your information and the documents we need you to submit, please email [email protected]. You will be required to complete a form outlining your request and will also need to provide proof of your identity (to ensure we are dealing with the account owner). Portability – You have a right to data portability .Where we have requested your permission to process your personal information or you have provided us with information to enter into a contract with us, you have a right to receive the personal information you provided to us in a portable format. You may also request us to provide it directly to a third party, if technically feasible. We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you. If you would like to request a copy of the personal information you provided to us, you can email us at [email protected]. Objection – You have a right to object to the processing of your personal information. You have a right to object to us processing your personal information (and to request us to restrict processing) for the purposes described in Section C of Schedule B – Purposes of Processing (below), unless we can demonstrate compelling and legitimate grounds for the processing, which may override your interests, or where we need to process your information to investigate and protect us or others from legal claims. Depending on the circumstances, we may need to restrict or cease processing your personal information altogether or, where requested, delete your information. Please note that if you object to us processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you. Marketing – You have a right to object to direct marketing. You have a right to object at any time to the processing of your personal information for direct marketing purposes, including profiling you for the purposes of direct marketing. Withdraw consent – You have a right to withdraw your consent where we rely on your permission to process your personal information, you have a right to withdraw your consent at any time. We will always make it clear where we need your permission to undertake specific processing activities. Lodge complaints – You have a right to lodge a complaint with the regulator. If you wish to raise a complaint on how we have handled your personal information, you can contact our Data Protection Officer who will investigate the matter. We hope that we can address any concerns you may have. .

Schedule B – Schedule of Purposes of Processing

We will only use and share your information where it is necessary for us to carry out our lawful business activities. Your information may be shared with and processed by other C50 Index LLC group companies. We want to ensure that you fully understand how your information may be used. We have described the purposes for which your information may be used in detail in the table below:

Schedule

Schedule A. Contractual Necessity

We may process your information where it is necessary to enter into a contract with you for the provision of our products or services or to perform our obligations under that contract. Please note that if you do not agree to provide us with the requested information, it may not be possible for us to continue to operate your account and/or provide products and services to you. This may include processing to

Assess and process applications for products or services;
Provide and administer those products and services throughout your relationship with C50 Index LLC, including opening, setting up or closing your accounts or products;
Collecting and issuing all necessary documentation;
Executing your instructions;
Processing transactions, including transferring money between accounts;
Making payments to third parties;
Resolving any queries or discrepancies and administering any Calls to our service centre and communications to our mobile and online helplines may be recorded and monitored for these purposes.
Manage and maintain our relationships with you and for ongoing customer service. This may involve sharing your information with other C50 Index LLC group companies to improve the availability of our services, for example enabling customers to visit branches of other C50 Index LLC group companies;
Administer any credit facilities or debts, including agreeing repayment options;
And communicate with you about your account(s) or the products and services you receive from

Schedule B. Legal obligation

When you apply for a product or service (and throughout your relationship with us), we are required by law to collect and process certain personal information about you. Please note that if you do not agree to provide us with the requested information, it may not be possible for us to continue to operate your account and/or provide products and services to you. This may include processing to:

Perform checks and monitor transactions and location data for the purpose of preventing and detecting crime and to comply with laws relating to money laundering, fraud, terrorist financing, bribery and corruption, and international sanctions. This may require us to process information about criminal convictions and offences, to investigate and gather intelligence on suspected financial crimes, fraud and threats and to share data with law enforcement and regulatory bodies;
Share data with other financial institutions and third parties to help recover funds that have entered your account as a result of a misdirected payment by such a third party;
Share data with police, law enforcement, tax authorities or other government and fraud prevention agencies where we have a legal obligation, including reporting suspicious activity and complying with production and court orders;
Deliver mandatory communications to customers or communicating updates to product and service terms and conditions;
Investigate and resolve complaints;
Conduct investigations into breaches of conduct and corporate policies by our employees;
Manage contentious regulatory matters, investigations and litigation;
Perform assessments and analyse customer data for the purposes of managing, improving and fixing data quality;
Provide assurance that C50 Index LLC has effective processes to identify, manage, monitor and report the risks it is or might be exposed to;
Investigate and report on incidents or emergencies on C50 Index LLC’s properties and premises;
Coordinate responses to business-disrupting incidents and to ensure facilities, systems and people are available to continue providing services;
And monitor dealings to prevent market

Schedule C. Legitimate Interests of C50 Index LLC

We may process your information where it is in our legitimate interests do so as an organisation and without prejudicing your interests or fundamental rights and freedoms. We may process your information in the day-to-day running of our business, to manage our business and financial affairs and to protect our customers, employees and property. It is in our interests to ensure that our processes and systems operate effectively and that we can continue operating as a business. This may include processing your information to:

Monitor, maintain and improve internal business processes, information and data, technology and communications solutions and services;
Ensure business continuity and disaster recovery and responding to information technology and business incidents and emergencies;
Ensure network and information security, including monitoring authorized users’ access to our information technology to prevent cyber-attacks, unauthorized use of our communications systems and websites, prevention or detection of crime and protection of your personal data;
Assure C50 Index LLC’s material risks and reporting to internal management and supervisory authorities on whether C50 Index LLC is managing them effectively;
Perform general, financial and regulatory accounting and reporting;
Protect our legal rights and interests; and enable a sale, reorganization, transfer or other transaction relating to our

It is in our interest as a business to ensure that we provide you with the most appropriate products and services and that we continually develop and improve as an organization. This may require processing your information to enable us to:

Identify new business opportunities and to develop enquiries and leads into applications or proposals for new business and to develop our relationship with you;
Send you relevant marketing information (including details of other products or services provided by us or other C50 Index LLC group companies which we believe may be of interest to you);
Understand our customers’ actions, behavior, preferences, expectations, feedback and financial history in order to improve our products and services, develop new products and services, and to improve the relevance of offers of products and services by C50 Index LLC group companies;
Monitor the performance and effectiveness of products and services;
Assess the quality of our customer services and to provide staff training. Calls to our Customer Support teams and communications to our mobile and online helplines may be recorded and monitored for these purposes;
Perform analysis on customer complaints for the purposes of preventing errors and process failures and rectifying negative impacts on customers;
Compensate customers for loss, inconvenience or distress as a result of services, process or regulatory failures;
Identify our customers’ use of third-party products and services in order to facilitate the uses of customer information detailed above; and
Combine your information with third-party data, such as economic data in order to understand customers’ needs better and improve our

We may perform data analysis, data matching and profiling to support decision-making with regards to the activities mentioned above. It may also involve sharing information with third parties who provide a service to us. It is in our interest as a business to manage our risk and to determine what products and services we can offer and the terms of those products and services. It is also in our interest to protect our business by preventing financial crime. This may include processing your information to:

Carry out financial and insurance risk assessments;
Manage and take decisions about your accounts;
Carry out checks (in addition to statutory requirements) on customers and potential customers, business partners and associated persons, including performing adverse media checks, screening against external databases and sanctions lists and establishing connections to politically exposed persons;
Share data with fraud prevention agencies and law enforcement agencies;
Trace debtors and recovering outstanding debt;
For risk reporting and risk

Please confirm that you agree to our privacy policy

Hide Terms

PLEASE READ OUR TERMS OF USE CAREFULLY BEFORE YOU USE OUR WEB SITE

C50 Index LLC. ("C50" "we," or "us") provides its web site, C50 Index Ltd, located at https://c50index.com/ (together with all other websites, mobile applications and services operated by or on behalf of C50 Index LLC, the "Site"), to you, an individual user ("you") for your individual usage, subject to compliance with the terms and conditions set forth herein.

Agreement

By using the Site, you agree to be bound by our Terms of Use (the "TOU"). If you do not agree to the terms and conditions contained in the TOU and C50 Index LLC's privacy policy, please do not access or otherwise use the Site or any information contained herein.

You affirm that you are over the age of 18, as the Site is not intended for children under 18. If it comes to C50 Index LLC's attention through reliable means that a registered user is a child under 18 years of age, C50 Index LLC will cancel that user's account.

2. Changes to the TOU

We reserve the right at any time to:

Change the terms and conditions of the TOU;

Change the Site, including eliminating or discontinuing any content or feature of the Site; or

Impose fees, charges or other conditions for use of the Site or parts thereof (with reasonable notice).

C50 Index LLC may modify the Site at any time without prior notice, and you accept those modifications if you continue to use the Site. You should check the Site frequently to see recent changes.

3. Important Securities Disclaimer

You understand that no content published on the Site constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the bloggers, information providers, app providers, or their affiliates are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent that any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks, and that discussions of any security published on the Site will not contain a list or description of relevant risk factors. In addition, please note that some of the stocks about which content is published on the Site have a low market capitalization and/or insufficient public float. Such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information. Blogs, postings or content on the Site which may or may not be deemed by you to be recommendations may have an effect on their stock prices.

You understand that the Site may contain opinions from time to time with regard to securities mentioned in other C50 Index LLC blogs or products, and that opinions in one blog or product may be different from those in another blog or product. We require all employees to disclose every stock in which they, their immediate family, or any entity under their control, have a personal interest, if such stock is mentioned in a blog, post, or content which they write. However, you understand and agree that non-employees, including outside bloggers or other content contributors or their affiliates, may write about securities in which they or their firms have a position, that they may trade for their own account, and that they may or may not be subject to a disclosure policy. In cases where C50 Index LLC becomes aware that one of its employees has violated his or her disclosure obligation, C50 Index LLC will take appropriate action. In addition, outside bloggers or content contributors may be subject to certain restrictions on trading for their own account. However, you understand and agree that at the time of any transaction that you make, one or more bloggers or content contributors or their affiliates may have a position in the securities they write about.

You understand that performance data is supplied by sources believed to be reliable, that the calculations on our Site are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made on our Site to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

All content on the Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

4. No Investment Recommendations or Professional Advice

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by C50 Index LLC or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

5. Copyright, Linking Policy and Trademarks

The Site and the content contained herein, as well as all copyrights, including without limitation, the text, documents, articles, products, software, graphics, photos, sounds, videos, interactive features, services, links, User Submissions (as defined below), third-party apps, and any other content on the Site ("Content") and the trademarks, service marks and logos contained therein are the property of C50 Index LLC and its third-party licensors or providers. You may access and use the Content, and download and/or print out copies of any content from the Site, solely for your personal, non-commercial use. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You acknowledge that you do not acquire any ownership rights by using the Site. C50 Index LLC reserves all rights not expressly granted in and to the Site.

The Site contains links to other Internet websites or links to Content created by third parties which is published on the Site. We neither control nor endorse such other websites or Content, nor have we reviewed or approved any Content that appears on such other websites or on our Site. Please read the terms of use and privacy policy of any such third party sites that you interact with before you engage in any activity. You are solely responsible and liable for your use of and linking to all third party sites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or appropriateness of any Content, advertising, products, services, or information located on our Site or any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content. Similarly, while we endeavor to facilitate the provision of quality apps, we are not responsible for any loss or damages caused or alleged to have been caused by their use.

You may link to any content on the Site. If you are interested in reprinting, republishing or distributing content from C50 Index LLC, please contact C50 Index LLC to obtain written consent. C50 Index LLC™ is a trademark and/or service mark of C50 Index LLC or an affiliate. All other trademarks, service marks, and logos used on our web sites are the trademarks, service marks, or logos of their respective owners.

This section shall survive any termination of these TOU.

6. User Conduct

You may not use, copy, display, sell, license, de-compile, republish, upload, post, transmit, distribute, create derivative works or otherwise exploit Content from the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the Content or use of the Content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

In addition, in connection with your use of the Site and its services (including by sending private messages to other registered users of the Site via your C50 Index LLC direct messaging account), you agree not to:

Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of "hacking" or defacing any portion of the Site;

Use the Site for any unlawful purpose;

Express or imply that any statements you make are endorsed by us, without our prior written consent;

Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site;

Disable, damage or alter the functioning or appearance of the Site, including the presentation of advertising;

"Frame" or "mirror" any part of the Site without our prior written authorization;

Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine", "scrape", "harvest" or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents;

Harvest or collect information about visitors to the Site without their express consent;

Send unsolicited or unauthorized advertisements, spam, chain letters, etc to other users of the Site;

Transmit any Content which contains software viruses, or other harmful computer code, files or programs.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein. We aim to prevent, detect and not knowingly facilitate money laundering and terrorism financing activities. You may not use the Site in a manner which violates our anti-money laundering, counter terrorist financing or similar regulatory obligations.

We reserve the right to close, suspend, or limit access to your Subscription, account and/or the Site in the event your use violates such obligations or if, after reasonable inquiry, we are unable to obtain information about you which is required to verify your identity. We may require you to provide additional information or documents to verify your identity, including your date of birth, physical address, taxpayer or other identification number, your physical address, government issued identification document or other information that will allow us to reasonably identify you.

In order to access some of the services of the Site, you will have to create an account. By creating this account you agree to the following:

You may only maintain a single account;

You may never share your account user name or password or knowingly provide or authorize access to your account (including without limitation a "Subscription", as defined below in Section 20);

You may never use another user's account without permission;

When creating your account, you must provide accurate and complete information;

You are solely responsible for the activity that occurs on your account, and you must keep your account password secure;

You must notify us immediately of any breach of security or unauthorized use of your account.

You will be liable for any use made of your account or password and the losses of C50 Index LLC or others due to such unauthorized use. We will not be liable for your losses caused by any unauthorized use of your account.

C50 Index LLC has the right to terminate your access to the Site, in its sole discretion.

7. Overview of Posting Content; Monitoring Content

The Site permits the submission of Content by users of the Site, including without limitation comments, articles, links, private messages sent to other registered users through the Site's messaging system, and items in our Instablog sections, including from those who give permission to C50 Index LLC to post their Content ("User Submissions") and the hosting, sharing and publishing of such User Submissions on the Site. C50 Index LLC has the right in its sole discretion and without further notice to you, to monitor, censor, edit, move, delete, and/or remove any and all Content posted on its Site or any Content transmitted by direct messaging or by any other method to or from your C50 Index LLC user account at any time and for any reason. Without limiting the foregoing, C50 Index LLC has the right to delete any comment or Content that it believes, in its sole discretion, does or may violate the TOU of the Site by you.

On user-generated Instablogs Comments, C50 Index LLC reserves the right to remove content that violates one of the following principles, as determined by C50 Index LLC, at our discretion:

No incitement to hatred. Material that promotes hatred toward groups based on race or ethnic origin, religion, disability, gender, age, veteran status, or sexual orientation/gender identity will be removed.

No pornography or pedophilia

No direct or veiled threats against any person or group of people.

No copyright infringement

No plagiarism. This includes posting content verbatim from other sources without proper attribution and/or repurposing content from other sources and presenting it without reference to the content's creator.

No publishing of other people's personal information, such as credit card numbers, Social Security Numbers, and driver's and other license numbers.

No impersonation of others in a manner that is intended to or does mislead or confuse others.

No use for unlawful purposes or for promotion of dangerous and illegal activities. Your account may be terminated and you may be reported to the appropriate authorities.

No spamming, link-spamming or transmitting malware and viruses.

No personal attacks.

No profanity or vulgarity.

No business solicitations or advertising.

No inappropriate, unethical or misleading behavior.

Important note: C50 Index LLC encourages civil, thought-provoking debate and idea-sharing among investors and stock-market followers. In order to maintain a level of discourse appropriate for our user base, we are strongly opposed to trolling, uncivilized discussion, mudslinging, inappropriate language, and blanket dismissal of others' ideas. At our discretion, we may delete comments, and Instablogs, and block/delete accounts of users we believe lower the level of discourse and courtesy we strive to engender.

Moderating decisions are subjective, and we strive to make them carefully and consistently. Due to the volume of content, we cannot review moderation decisions with users and cannot reverse decisions.

Our blogs and Content are intended to serve as a discussion center for thoughtful users who make their own investment decisions, with or without the help of a broker. They are not the place for stock touters, cheerleaders or hypesters. We strongly encourage all participants to disclose any positions they have in stocks being discussed.

Without derogating from the above, C50 Index LLC editors, at their discretion, may refrain from posting or remove User Submissions that violate these standards or which are otherwise inappropriate. These standards are designed to ensure that the dialogue on the Site is credible, responsible, intelligent and informative. We cannot guarantee that users will tell the truth, and we will not monitor the veracity of names and positions or the content of any posts. However, by setting out the above guidelines, we hope to raise the credibility of the discussion and foster a spirit of open, honest exchanges of information.

If an author has a business relationship with a company named in an article that he or she has authored, that relationship must be fully and accurately disclosed.

If you have any comments on our policies, or complaints or concerns of any kind about any posts, please contact us at [email protected] We will review all of the information that you communicate to us, but we may not be able to take action or respond directly to each email.

8. User Submissions; Online Rules of Conduct

When you post any User Submission on the Site or give C50 Index LLC permission to post your Content, you agree to:

Post comments in both tone and content that contribute in a positive and high quality manner to the substantive exchange of information and the subject matter of the Site.

Automatically grant C50 Index LLC a royalty-free, perpetual, worldwide, irrevocable, non-exclusive and fully transferable and sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display any User Submission (in whole or in part) and/or to incorporate any of your User Submission in other works now or in the future and in any media formats and through any media channels, and you confirm and warrant to C50 Index LLC that you own the copyright in each of your User Submissions and have all the rights, power and authority necessary to grant the above license and rights.

C50 Index LLC will use commercially reasonable efforts to attribute material User Submissions to the author.

If you provide any feedback or suggestions to C50 Index LLC regarding the Site or C50 Index LLC’s services, including without limitation in response to a survey or in connection with a particular User Submission (collectively, "Feedback"), C50 Index LLC may use such Feedback for any purpose, including without limitation to provide it to authors on their dashboard. In order that we may incorporate such Feedback into C50 Index LLC’s Site and/or services, C50 Index LLC alone will own all right, title and interest, including all related intellectual property rights, in and to all such Feedback and you hereby assign such Feedback to C50 Index LLC free of charge.

When you post any User Submission on the Site, you also agree to abide by the following disclosure rules:

To disclose the existence at the time of writing of a long or short position (including stocks, options or other instruments) in any stock mentioned in any User Submission (except for "Comments").

You may not write about a stock with the intention to boost or reduce the stock's price and sell (or buy) the stock into the resulting strength or weakness.

If you intend at the time or writing to sell or buy a stock within three days of publication of a User Submission that discusses that stock, you must disclose this intention.

Abide by the following conflict of interest rule: You will disclose any material relationships with companies whose stocks you write about in a User Submission or parties that stand to gain in any way from the viewpoint you are outlining. Examples: You must disclose if you are employed by a company whose stock you are writing about; perform consulting for a company you write about; receive paid advertising revenue or any other form of sponsorship fee from a company you write about. This applies to narrow asset classes as well. For example, if you are paid to promote a gold dealer, that must be disclosed in any User Submission about gold.

If you choose an alias, be responsible for all statements made and acts or omissions that occur by use of your alias.

Waive any and all rights against C50 Index LLC and hold C50 Index LLC harmless in connection with any claims relating to any action taken by C50 Index LLC as part of its investigation of a suspected violation or result of its conclusion that a violation of these TOU has occurred, including but not limited to the removal of User Submission from the Site or a suspension or termination of your access to the Site.

Maintain and promptly update your registration data to keep it true, accurate, current and complete.

You agree not to:

Choose an alias that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise or objectionable.

Post or transmit any Content that you either know or should know is false, deceptive or misleading, or misrepresent or deceive others as to the source, accuracy, integrity or completeness of any comment you post.

Post or transmit any Content that is unlawful, harmful or injurious to others, contains software viruses, or other harmful computer code, files or programs, threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise tortious or objectionable.

Post or transmit any Content that does or may invade the privacy or violate or infringe on any rights of others, including, without limitation, copyrights and other intellectual property rights.

By use of your alias or in any comment, impersonate any person or entity, falsely or deceptively state, infer or otherwise misrepresent your affiliation with or connection to any person or entity.

Post or transmit any Content which, either the act of posting or the comment itself, you do not have a right to do under any law, regulation or order of any court, or as a result of an employment, contractual, fiduciary or other legal obligation or relationship.

Post or transmit any advertising, promotional materials, so called "chain letters," "pyramid" or other schemes or invitations to participate in these or any other form of solicitation or promotion.

Post or transmit any non-public or otherwise restricted, confidential or proprietary information without authorization.

Violate any local, state, national or international law, regulation or order of any court, including but not limited to regulations of the U.S. Securities and Exchange Commission or any rules of any securities exchange, including without limitation, the New York Stock Exchange, the American Stock Exchange or The Nasdaq Stock Market.

9. Caveats

While we believe that the Site can and should be a positive environment for the exchange of information, you understand that the Site is open for posting to all users. Some individuals may post comments that may be offensive, indecent, objectionable, false, misleading or simply inappropriate.

10. Responsibility for User Submission

Each individual who submits a User Submission, whether published on the Site or not, is solely responsible for her or his own acts, including the content, context or information in the User Submission he or she submits. This means that each individual, and not C50 Index LLC, is entirely responsible for anything and everything she or he posts on the Site including on any Blog, and Instablog. C50 Index LLC does not, and does not intend to, pre-screen any comments posted on its Site, and C50 Index LLC cannot and does not guarantee the accuracy, integrity or quality of anything that may appear on its Site.

11. Disclosure

We reserve the right to access, read, preserve, and disclose any User Submissions (whether published or not) or any other information we believe is reasonably necessary to (a) comply with any applicable law, regulation, legal process, subpoena or governmental or regulatory request, (b) enforce these TOU, including investigation of potential violations of it, (c) detect, prevent, or otherwise address fraud, security or technical issues, (d) respond to user support requests, or (e) protect the rights, property or safety of C50 Index LLC, its users, yourself or the public.

12. Disclaimer of Warranties

THE SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE SITE, IS PROVIDED "AS IS" AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, C50 INDEX LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, SUPPLIERS, ADVERTISERS, AGENTS, INFORMATION PROVIDERS AND ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ORIGINALITY, ADEQUACY, ACCURACY, TIMELINESS, MERCHANTABILITY OR COMPLETENESS OF ANY INFORMATION ON OUR SITE.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.

C50 INDEX LLC AND ITS AFFILIATES, SUPPLIERS, AGENTS, SPONSORS, INFORMATION PROVIDERS AND ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE DO NOT WARRANT THAT YOUR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF C50 INDEX LLC OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, SPONSORS, INFORMATION PROVIDERS OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

13. Limitation of Liability

NEITHER C50 INDEX LLC NOR ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS, ADVERTISERS, AGENTS, SPONSORS, INFORMATION PROVIDERS NOR ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE ARE LIABLE FOR LOST PROFITS, LOST SAVINGS OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH C50 INDEX LLC. SUCH LIMITATION SHALL APPLY REGARDLESS OF THE FORM OF ACTION, EVEN IF C50 INDEX LLC, ITS INFORMATION PROVIDERS, OR ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF ANY PART OF THE SITE HAS BEEN ADVISED OF OR OTHERWISE MIGHT HAVE ANTICIPATED THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO C50 INDEX LLC FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE OR ANY SERVICES, DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM. IN NO EVENT SHALL C50 INDEX LLC, ITS INFORMATION PROVIDERS OR ANY THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF ANY OF THE GICS SERVICE (DEFINED BELOW), BE LIABLE TO YOU, OR ANY OTHER PERSON, FOR ANY DIRECT OR INDIRECT DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, LOST SAVINGS OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR YOUR INABILITY TO USE THE GICS SERVICE.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

14. Indemnification

As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents, representatives, information providers, and any other third party involved in or related to the making or compiling of the Site harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use or any third party’s use of, or inability to use, the Site; (c) your violation of the rights of any third party, or (d) any claim that one of your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these TOU and your use of the Site.

15. Termination

You understand and agree that C50 Index LLC may, under certain circumstances and without prior notice to you, terminate your access to and use of the Site. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) repeat violators of third party copyrights or other intellectual property.

16. Copyright Policy

C50 Index LLC respects the intellectual property of others, and we ask our users to do the same. C50 Index LLC may, in appropriate circumstances and at its discretion, terminate the account or access of users who infringe the intellectual property rights of others.

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:

16.1: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

16.2: a description of the copyrighted work that you claim has been infringed, including the URL (web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;

16.3: a description of where the material that you claim is infringing is located on the Site, including the URL;

16.4: your address, telephone number, and email address;

16.5: a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

16.6: a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Please also note that under Section 512(f) any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

17. Additional Terms that Apply to S&P Services

Neither S&P Global Market Intelligence LLC, S&P Global Inc., or any of S&P Global Inc.’s subsidiaries (collectively, “S&P) or its affiliates nor any of their suppliers shall have any liability for the accuracy or completeness of the Market Intelligence Consensus Estimates, Premium Financials/Fundamentals, ETF Classifications and Market Intelligence Data Ownership (collectively, the “S&P Services”) furnished through the Site, or for delays, interruptions or omissions therein nor for any lost profits, indirect, special or consequential damages.

The S&P Services are not investment advice and a reference to a particular investment or security, a credit rating or any observation concerning a security or investment provided in the S&P Services is not a recommendation to buy, sell or hold such investment or security or make any other investment decisions.

S&P, their affiliates or their suppliers have exclusive proprietary rights in the S&P Services and any information and software received in connection therewith.

You shall not use or permit anyone to use the S&P Services for any unlawful or unauthorized purpose.

The S&P Services are being provided for your internal use only and you are not authorized or permitted to distribute or otherwise furnish such information or software to any third-party without prior written approval of S&P.

Access to the S&P Services is subject to termination in the event that the corresponding agreement between C50 Index LLC and S&P terminates for any reason.

In the event that you use any portion of the S&P Services in breach of the TOU, S&P may enforce its rights against you as the third-party beneficiary of the TOU, even though S&P is not a party to the TOU.

18. Additional Terms that Apply to Global Industry Classification Standard Service

You agree not to redistribute the Global Industry Classification Standard Service (the ”GICS Service”) in any form or manner to any third party. Use of the GICS Service shall only be by you or your employees and solely for internal business purposes or personal, non-commercial use, as permitted in our agreement with S&P.

You agree not to use or permit anyone else to use the GICS Service to create any securities products or indices based on the GICS Service or any portion thereof.

You agree to treat the GICS Service as proprietary to MSCI, Inc. (“MSCI”) and S&P, and/or their affiliates, and/or their third-party providers. You acknowledge that MSCI and S&P, and/or their affiliates, and/or their third-party providers are the sole and exclusive owners of the GICS Service (including all trade secrets, copyrights, trademarks and other intellectual property rights in or to the GICS Service).

You will not, other than as expressly permitted in our agreement with S&P: (i) alter, modify or adapt any component of the GICS Service, including, but not limited to, translating, decompiling, disassembling, reverse engineering or creating derivative works; or (ii) use the GICS Service to verify the accuracy of other data or to correct such other data; or (iii) resell or otherwise transfer or make the GICS Service, or any part or component thereof, available to any other person or organization (including, without limitation, your present and future parents, subsidiaries or affiliates) directly or indirectly, for any of the foregoing or for any other use, including, without limitation, by loan, rental, service bureau, external time sharing or similar arrangement.

You shall acknowledge that (i) S&P or MSCI may, in its sole and absolute discretion and at any time, terminate your right to receive and/or use the GICS Service; and (ii) provision of the GICS Service is subject to termination in the event that the relevant agreement between C50 Index LLC and S&P is terminated in accordance with its terms.

You acknowledge that S&P or MSCI as a third-party beneficiary of the TOU, entitled to enforce all provisions relating to the GICS Service.

19. Additional Terms that Apply to C50 Index LLC Paid Subscriptions

By subscribing to C50 Index LLC subscription products (the “Subscription”), you agree to pay the applicable Subscription fees set forth on the Site. C50 Index LLC reserves the right to revise Subscription fees upon reasonable notice.

We remind you that all the rules applicable to setting up an account under Section 6 above (entitled, "User Conduct") apply to your Subscriptions.

Unless we notify you in writing otherwise, you are not permitted to share Content available through your Subscriptions.

Unless stated otherwise in writing, Subscription fees are nonrefundable.

C50 Index LLC reserves the right to cancel a Subscription at any time. If we cancel a Subscription due to a breach of these Terms of Use you will not be eligible for any refund.

You may download the S&P Services to a desktop/computing device used solely for your individual use and not for any centralized, interdepartmental or shared use.

Once downloaded to your computing device, the S&P Services must remain on such computing device and may not be uploaded, copied or transferred to, or stored or managed in, any other desktop/computing device, including that of another user of the Site, or any device, directory, database or other repository that is shared or can be accessed by others (e.g. the download functionality may not be used to populate master security databases).

You may download the S&P Services only as a convenience in connection with your use of the Site and not as an alternative to obtaining the S&P Services from and/or pursuant to an agreement with S&P.

20. Miscellaneous

The Site is directed solely to individuals residing in jurisdictions in which provision of the Site's content is legal. We make no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.

The TOU, together with all C50 Index LLC policies referred to herein, constitutes the entire agreement between you and C50 Index LLC relating to your use of the Site and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TOU, privacy policy and the relationship between you and C50 Index LLC are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its principles of conflict of laws. You and C50 Index LLC agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within Wyoming, Sheridan, and waive any jurisdictional, venue, or inconvenient forum objections to such courts. If any provision of the TOU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TOU and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in the TOU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require you to sign a non-electronic version of the TOU.

21. Partner Disclaimers

"CME GROUP and the CME GROUP GLOBE are trademarks of Chicago Mercantile Exchange Inc. and have been licensed by C50 Index LLC for use in connection with the Alpha Trader Podcast sponsorship."

Updated: February 26, 2020

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