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PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH ON THIS WEBSITE. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THE WEBSITE AND YOU AGREE TO BE BOUND BY SUCH AMENDMENTS AS WELL. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

The term “J.P. Morgan” for this website shall mean JPMorgan Chase & Co. and its affiliates worldwide.
 
Unauthorized use of J.P. Morgan's websites and systems including but not limited to unauthorized entry into J.P. Morgan's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.
 
You acknowledge that J.P. Morgan may disclose and transfer any information that you provide through this website to (i) any company within the J.P. Morgan group, its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this website you agree to such transfers. Any information about you that we provide through this website to third parties will comply with applicable law within the various regions.
 
Use of this website may be monitored, tracked and recorded. Anyone using this website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the website during each session.
 
Authorised Users
 
The information on this website is intended to be accessed exclusively by Institutional Investors or Professional Investors, as defined in each region. This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website. It is the responsibility of any persons who access the information contained herein to observe all applicable laws and regulations of their relevant jurisdiction. By proceeding, you are representing and warranting that the applicable laws and regulations of your jurisdiction allow you to access the information.

Authorised Use - No solicitations
 
The information contained in this website does not constitute a distribution, an offer to sell or the solicitation of an offer to buy any securities, nor is the information directed at any jurisdiction in which such offer, sale or recommendation is not authorized.
 
Authorised Use - No investment recommendations or professional advice
 
The information contained in this website does not constitute investment advice. An investment in strategies mentioned in this website may not be suitable for all investors and if you are unclear about any of the information on this website, please consult a J.P. Morgan Asset Management representative.
 
Content and Downloading Disclaimers
 
We believe that the information contained on the website is accurate as at the date of publication, however no warranty is made as to the accuracy, suitability, usefulness, reliability or completeness of any such information and no liability in respect of any errors or omissions (including any third party liability) is accepted by us or any of our directors or employees. The use of this website and the delivery ("Delivery") of information or documents by us or our agents through this website or via electronic mail or other modes of delivery, is at your own risk. No warranty is given that the content of this website and the Delivery (including any such information) will be error free or that this website or any servers that operate it or the Delivery are free of computer viruses or other harmful components.
 
Reasonable precautions have been taken to ensure that website content, including account information and pricing data, are complete and accurate. However, due to the nature of information delivery technology and the necessity of using multiple data sources, including third party content, we are unable to assure the accuracy of the data you access through this website. Website content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons. We have no duty to update this website or any website content. We shall not be liable to you or any third party for any damages arising from any actions or investment decisions taken by you based on the accuracy (or otherwise) of the data presented through this website. We (including our directors and employees) may or may not have a position in or with respect to the securities mentioned herein.
 
Third Party Content Providers, Sites, Referrals, Hyperlink Policy and Disclaimers
 
For informational or educational purposes, or as a service and convenience to you, this website may provide referral information, third party content or live links to an unaffiliated third party and their websites, including companies that have a relationship with us.
 
Our decision to provide referral information to a third party or to pass on an offer made by a third party vendor or to provide a link from our website to a third party website is not an endorsement of the third party, their products or services, or their website accessed through any such links. We are not responsible for the opinions, ideas, products, information, or services offered at such sites. We make no representations or warranties, express or implied, as to third party products, services, content, tools, information and website, and do not guarantee their accuracy, timeliness, completeness, reliability, suitability or usefulness for any particular purpose as we have no control over the content on such non proprietary websites. We advise and encourage you to do your own research and make your own assessment. We do not warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Your access, use and reliance upon such content, products or services is at your own risk.
 
Links to non-J.P. Morgan websites are provided solely as pointers to information on topics that may be useful to users of the J.P. Morgan websites, and J.P. Morgan has no control over the content on such non-J.P. Morgan websites. If you choose to link to a website not controlled by J.P. Morgan, J.P. Morgan makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does J.P. Morgan warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. J.P. Morgan does not guarantee the authenticity of documents on the Internet. Links to non-J.P. Morgan sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites.
 
Copyright notices
 
The works of authorship contained in am.jpmorgan.com website, including but not limited to all design, text, analyses, reports, articles, graphics, software applications, videos, audio files, photos, sound recordings, and images, are owned, except as otherwise expressly stated, by J.P. Morgan. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without J.P. Morgan's prior written consent.
 
Trademark notices
 
"J.P. Morgan," "JPMorgan Chase," "J.P. Morgan Asset Management," the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase & Co. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.
 
Web content and materials
 
The information on this website is for information purposes only. It is believed to be reliable, but J.P. Morgan does not warrant its completeness, timeliness or accuracy. The information on the website is not intended as an offer or solicitation for the purchase or sale of JPMorgan Chase stock, any other security or any financial instrument. The content does not constitute investment advice and should not be used as the basis for any investment decision. The content does not take into account individual Institutional/Professional Investor circumstances, objectives or needs. No determination has been made regarding the suitability of any securities, financial instruments or strategies for any Institutional/Professional Investor. The content is provided on the basis and subject to the explanations, caveats and warnings set out in this notice and elsewhere herein. The content does not purport to provide any legal, tax or accounting advice. Any discussion of risk management is intended to describe J.P. Morgan’s efforts to monitor and manage risk but does not imply low risk.
 
The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described, as well as associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations.
 
The chase.com website, the jpmorganchase.com website or other J.P. Morgan websites contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. In addition, certain portions or pages of this website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers and these terms and conditions, the additional disclosures and disclaimers will govern for those portions or pages.
 
You agree that (i) you will not engage in any activities related to the website that are contrary to applicable law, regulation or the terms of any agreements you have with J.P. Morgan and (ii) in circumstances where locations of the website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.
 
J.P. Morgan or its suppliers may discontinue or make changes in the information, products, or services described herein at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and J.P. Morgan does not undertake any obligation or responsibility to update or amend any such information. J.P. Morgan reserves the right to terminate any or all website information, offerings or transmissions without prior notice to the user. Furthermore, by offering this website and information, products, or services via the website, no distribution or solicitation is made by J.P. Morgan to any website or such information, products, or services in jurisdictions where the provision of the website and such information, products, services is prohibited by law.
 
Suitability and Appropriateness
 
Securities or financial instruments mentioned in the website may not be suitable or appropriate for all investors or in all geographical areas. Your particular needs, investment objectives and financial situation were not taken into account in the preparation of this website and the materials contained herein. You must make your own independent decisions regarding any securities or financial instruments mentioned herein. The fact that J.P. Morgan has made available to you through the website, investment opinions and other information constitutes neither a recommendation that you enter into a particular transaction nor a representation that any financial instrument is suitable or appropriate for you. You should consider whether an investment strategy or the purchase or sale of any product is appropriate for you in the light of your particular investment needs, objectives and financial circumstances.
 
Potential disruption of service
 
Access to the website may from time to time be unavailable, delayed, limited or slowed due to, among other things:
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  • any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of J.P. Morgan.
If access to this website is unavailable, delayed or limited, or if this website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with J.P. Morgan, and such communications are disrupted or delayed, you may suffer losses.
 
Limitation of Liability
 
BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" AND "AS AVAILABLE". WE, OUR AFFILIATES, AND ANY THIRD PARTY DATA PROVIDERS:
  • ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE;
  • DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR A PARTICULAR PURPOSE;
  • DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION; AND
  • WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR CONTROL.
NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
 
Legal entity disclosure
 
J.P. Morgan Asset Management is the marketing name for the asset management business of JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. This website is issued by the following entities: in Hong Kong by JPMorgan Funds (Asia) Limited, JF Asset Management Limited or JPMorgan Asset Management Real Assets (Asia) Limited, which are authorized and regulated by the Securities and Futures Commission; and in Singapore by JPMorgan Asset Management (Singapore) Limited or JPMorgan Asset Management Real Assets (Singapore) Pte. Ltd., which are regulated by the Monetary Authority of Singapore; in Taiwan by JPMorgan Asset Management (Taiwan) Limited, which is authorized and regulated by the Financial Supervisory Commission; in the United Kingdom by JPMorgan Asset Management (UK) Limited, which is authorized and regulated by the Financial Conduct Authority; in other EU jurisdictions by JPMorgan Asset Management (Europe) S.à r.l.; in Switzerland by J.P. Morgan (Suisse) SA, which is regulated by the Swiss Financial Market Supervisory Authority FINMA; in Canada by JPMorgan Asset Management (Canada) Inc., which is a registered Portfolio Manager and Exempt Market Dealer in all Canadian provinces and territories except the Yukon and is also registered as an Investment Fund Manager in British Columbia, Ontario, Quebec and Newfoundland and Labrador. This website is issued in the United States by J.P. Morgan Investment Management Inc., which is regulated by the Securities and Exchange Commission.
 
Governing law
 
In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with J.P. Morgan.

The user's access to and use of the website, and the terms of this disclaimer are governed by the laws of the various jurisdictions listed above.
 
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