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Terms of Use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

These Terms of Use (“TOU”) and LBDIAS Privacy Policy govern use of the services we provide to you, through various communication tools, including email. By accessing and/or using the Website and the information, content, forms, photographs, graphics, software or other products or services available by or through the Website (the “Content”), you acknowledge that you have read and agree to be bound by these Terms of Use. Please read the following terms and conditions carefully.

Parties

As used herein, the terms “You” and “Your” shall mean You, individually, and each other party on whose behalf You may use the Website at any time. All references to “We”, “Us” or “Our” shall refer to LBDIAS. The Website is operated by LBDIAS.

Usage and Proprietary Rights

All right, title and interest in this Website and the Content is the exclusive property of LBDIAS except where otherwise expressed. We grant You, for the terms of this TOU, a personal, limited, non-exclusive, revocable (at any time), non-transferable and non-sublicensable license to access the Website and the Content subject to the TOU. You have no ownership rights in the Content, which is owned by Us or Our licensors, and may be protected under copyright, trademark and other intellectual property laws, and other applicable laws. You receive no copyright or any other intellectual property right in or to the Content, except as provided above. You may use the Content only for Your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any Content, including, but not limited to, any information, software, products or services obtained from the Website, except for the purposes expressly provided herein, without Our prior written approval. You acknowledge that We may provide certain portions of the Content under license from Third Party Providers, and You agree to comply with any additional restrictions on Your usage that We may communicate to You from time-to-time, or that are otherwise the subject of an agreement between You and such licensors. We retain exclusive control over the Content, and reserve the right, at any time and in Our sole discretion, without prior notice to You, to (a) change, suspend or discontinue all or a portion of the Content; (b) impose limits on, restrict or terminate Your access to all or a portion of the Content; or (c) terminate Your license at any time and for any reason. You agree that We may monitor Your use of the Content.

Restricted Content

All trademarks, service marks, slogans, logos, trade dress and other identifiers (“Marks”) displayed on the Website are the property of LBDIAS, or of other parties. The names of other companies and third-party products or services mentioned on the Website may be the trademarks or service marks of their respective owners. The Marks are protected by U.S. trademark, common law rights and statutes. You are prohibited from using any Marks for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the express written permission of LBDIAS or such other party that may own the Marks.

Social Media Terms & Conditions

Please note your posts are subject to our website’s terms & conditions and disclosures.

You shouldn’t post personal or sensitive information that you wouldn’t want to make public. For example, you should never post your Social Security number, account number, passwords, PINs or other non-public personal information on any of our social media channels.

LBDIAS is not responsible for any views expressed other than our own.

We may occasionally post links to third-party sites or share content. Please note that this doesn’t in any way constitute an official endorsement of the individual, website or company.

No Investment Advice or Offers

Nothing in the Website constitutes investment advice or recommendations as to the suitability of any specific product or security. All Content is provided for Your convenience and information only, and no such Content shall constitute an offer to sell or a solicitation of an offer to buy any security. The Content provided on this Website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where LBDIAS is not authorized to provide such information or services.

Market Information

We may make available to You through the Website a broad range of financial information that we obtain from our agents, vendors or partners (“Third Party Providers”). This may include financial market data, news, analyst opinions and research reports (collectively, “Market Information”). We make it available to you only for your convenience and information. LBDIAS and our Third-Party Providers do not (a) guarantee the accuracy, timeliness, completeness or correct sequencing of the Market Information; or (b) warrant any results from your use or reliance on the Market Information. Market Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither Us nor the Third-Party Providers are obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice. You agree that neither LBDIAS nor the Third-Party Providers will be liable in any way for the termination, interruption, delay or inaccuracy of any Market Information. You will not redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by LBDIAS to receive it. If you are a securities broker, dealer, banker or investment advisor, You agree not to use the Market Information provided by Us for any purpose related to your business.

Unauthorized Use

Unauthorized use of the Website, Content, or Our systems, including, but not limited to, unauthorized entry into Our systems, misuse of passwords, or misuse of any other information, is strictly prohibited. Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the Website may be subject to prosecution. You may not use the Website or the Content in any manner that could damage, disable, overburden, or impair any LBDIAS website or service or interfere with any other party’s use and enjoyment of the Website or the content. You shall not introduce, nor permit any person to introduce into the Website or Content, any code or malicious or hidden mechanisms that would impair the operation of the Website or Content, or of Our computers, networks, or other devices or software. LBDIAS prohibits caching, unauthorized hypertext links to the Website, and the framing of any Content available on the Website. We reserve the right to disable any unauthorized links or frames and specifically disclaim any responsibility for the Content available on any other websites linked to Our Website.

Third Party Links

Certain links may let you leave the LBDIAS Website. The linked websites are not under the control of LBDIAS and We are not responsible for the content of any linked website or any link contained in a linked website, or any changes or updates to such websites. LBDIAS is providing these links to You only as a convenience, and the inclusion of any link does not imply endorsement, investigation, verification or monitoring by Us of such third- party website.

Changes to Terms and Conditions

We reserve the right to add, delete or otherwise modify the TOU at any time without notice to You. The most current version of the TOU can be reviewed by clicking on the “Terms of Use” link located at the bottom of this Website. Any continued use of the Website after such additions, deletions or modifications shall be deemed to constitute acceptance by You of the additions, deletions or modifications.

Representations and Warranties

You represent and warrant, each time You access the Website or use the Content, that (a) You have agreed to be bound by the terms of this TOU; (b) You shall only use the Website and the Content in accordance with this TOU, any applicable Supplemental Agreement and applicable law; and (c) if You are accessing the Services on behalf of another party, You assume all fiduciary, regulatory and other requirements and duties that may apply to Your relationship to such party.

DISCLAIMER OF WARRANTIES

The Services on this Website are provided on an “as is,” “where is” and “Where available” basis. ALTHOUGH LBDIAS TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION ON ITS WEBSITE, THERE MAY BE INADVERTENT TECHNICAL OR FACTUAL INACCURACIES AND TYPOGRAPHICAL ERRORS. LBDIAS RESERVES THE RIGHT TO MAKE CHANGES AND CORRECTIONS AT ANYTIME AND WITHOUT NOTICE. NEITHER WE NOR ANY THIRD PARTY PROVIDER THAT CONTRIBUTES IN ANY MANNER TO THE CONTENT MAKES ANY REPRESENTATION OR WARRANTY WHATSOEVER, INCLUDING WARRANTIES (A) WITH RESPECT TO THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE CONTENT; OR (B) THAT THE CONTENT SHALL BE UNINTERRUPTED OR ERROR FREE, FURTHER, WE AND ANY THIRD PARTY PROVIDER THAT CONTRIBUTES IN ANY MANNER TO THE CONTENT DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE RELATING TO THE CONTENT. YOU ASSUME THE ENTIRE RISK TO THE USE OF THE WEBSITE AND THE CONTENT.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LBDIAS, OR ITS AFFILIATES, SUBSIDIARIES OR CONTROLLING ENTITIES OR THEIR THIRD PARTY PROVIDERS, CONTRACTORS OR TECHNOLOGY OR CONTENT PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, OWNERS, AGENTS AND EMPLOYEES (THE “LBDIAS PARTIES”), HAVE ANY LIABILITY TO YOU OR ANY OTHER PERSON FOR ANY COSTS, LIABILITIES OR DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE CONTENT, INCONVENIENCE OR DELAY), CONSEQUENTIAL OR PUNITIVE (TOGETHER “COSTS”), ARISING OUT OF, OR IN CONNECTION WITH THIS TOU OR THE PERFORMANCE OR BREACH OF THIS TOU, YOUR OR ANY OTHER PERSON’S USE OF, OR INABILITY TO ACCESS THE CONTENT, OR FOR ANY INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICE MADE AVAILABLE TO YOU VIA THE WEBSITE. THESE LIMITATIONS SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON STATUTE OR ARISING IN CONTRACT, INDEMNITY, WARRANTY, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE), REGARDLESS OF WHETHER ANY LBDIAS PARTY KNOWS OR HAS REASON TO KNOW OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF LBDIAS OR ANY THIRD PARTY PROVIDER OF SOFTWARE OR SERVICES. THIS LIMITATION OF LIABILITY IS IN ADDITION TO ANY OTHER LIMITATION PROVIDED IN ANY APPLICABLE ACCOUNT SERVICE, SUPPLEMENTAL AGREEMENT OR ANY OTHER AGREEMENT. This limitation of liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure.

Your Indemnification Obligations

You agree to indemnify and hold LBDIAS, and its employees and agents harmless from and against all claims and expenses, including attorney’s fees, arising out of the use of the Website, or its Content, by You.

Governing Law

Your access to and use of this Website, and the terms of this disclaimer are governed by the laws of the State of California.

Entire Agreement

These TOU constitute the entire agreement between You and Us with respect to Your use or access of the Website or the Content.

Commitment to Privacy

LBDIAS is committed to protecting confidentiality of the information furnished to You. Our Privacy Policy may be reviewed at any time by clicking here.

Last reviewed: October 2024