The following terms and conditions govern all use of porticoadvisers.com, the website (the “Site”) for Portico Advisers, LLC (“Portico”), and all content, services, and products available (“Services”) at or through the Site. Our Services are offered subject to your acceptance without modification of all the terms and conditions contained herein and all other operating rules, policies (including Portico’s Privacy Policy), and procedures that may be published from time to time by Portico (collectively, the “Agreement”).

Please read this Agreement carefully before accessing or using our Services. By accessing this Site or using any part of our Services, you agree to become bound by the terms and conditions of this Agreement. If you do not agree to all the terms and conditions of this Agreement, then you may not access or use any of our Services. If these terms and conditions are considered an offer by Portico, acceptance is expressly limited to these terms.

Our Services are not directed to children younger than 13, and access and use of our Services is only offered to users 13 years of age or older. If you are under 13 years old, please do not use our Services.

  1. Copyright and Intellectual Property

This Agreement does not transfer from Portico to you any Portico or third-party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with Portico. All content on the Site, including—but not limited to—text, data, exhibits, graphics, and images is the exclusive property of Portico, and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

  1. Use of Site Content

Portico grants you the right to view, download, print, and share one copy of the content displayed on the Site, provided that you do not modify the content, and that all content is attributed to Portico. You may not otherwise reproduce, modify, or distribute Site content without Portico’s written consent.

  1. Non-Endorsement of Third-Party Sites

Portico has not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which Portico links, and that link to Portico. Portico does not have any control over those non-Portico websites, and is not responsible for their contents or their use. By linking to a non-Portico website, Portico does not represent or imply that it endorses such website. You are responsible for taking precautions, as necessary, to protect yourself and your computer systems from viruses, worms, Trojans, and other harmful or destructive content. Portico disclaims any responsibility for any harm resulting from your use of non-Portico websites and webpages.

  1. Disclaimers

THE SITE AND ALL MATERIALS DISTRIBUTED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” BASIS. PORTICO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

CONTENT ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT PORTICO IS NOT RENDERING PROFESSIONAL ADVICE AND SERVICES. PORTICO DOES NOT MAKE ANY WARRANTY THAT THE INFORMATION ON THIS SITE IS ERROR-FREE, ACCURATE, OR RELIABLE, OR THAT ACCESS TO THE SITE’S SERVICES WILL BE CONTINUOUS OR UNINTERRUPTED. YOU UNDERSTAND THAT YOU DOWNLOAD FROM, OR OTHERWISE OBTAIN CONTENT OR SERVICES THROUGH OUR SITE, AT YOUR OWN DISCRETION AND RISK. PORTICO DOES NOT WARRANT THAT THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPUTER CODE.

  1. Limitation of Liability

IN NO EVENT WILL PORTICO OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SHAREHOLDERS BE LIABLE WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR: (I) ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST REVENUES OR PROFITS; (II) THE COST OF PROCUREMENT FOR SUBSTITUTE PRODUCTS OR SERVICES; OR, (III) INTERRUPTION OF USE OR LOSS OR CORRUPTION OF DATA.

  1. Indemnification

You agree to indemnify and hold harmless Portico, its officers, employees, agents, and shareholders, from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of our Services, including but not limited to your violation of this Agreement. 

  1. Entire Agreement

This Agreement constitutes the entire agreement between Portico and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized representative of Portico, or by the posting by Portico of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of our Services will be governed by the laws of the state of Virginia, U.S.A., excluding its conflict of law provisions.

If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Portico may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.