Matrix Terms of Service

This Web site (“Site”) is sponsored by Matrix Trust Company, a trust entity (“Matrix Trust Company”). PLEASE READ ALL OF THE FOLLOWING TERMS AND CONDITIONS (collectively, “Terms”) FOR THIS SITE CAREFULLY. BY ACCESSING, CONTACTING OR USING THIS SITE, YOU AGREE TO BE LEGALLY BOUND BY THE TERMS BELOW.

(If You do not agree with the Terms, simply leave this Site and refrain from contacting, accessing or using this Site.) For purposes of the Terms, "You", “Your” or “Yourself” means any person or entity accessing, contacting and/or using this Site. "Content" means any and all information, services, hyperlinks, or other visual, graphic, text or other form of material or data displayed on this Site.

Hyperlinks to Third-Party Information and Value-Added Services

This Site may contain electronic hyperlinks to other third-party Web sites. Matrix Trust Company offers these hyperlinks as an accommodation to You and other users of this Site, but does not guarantee and is not responsible for the accuracy, quality or suitability of the information provided on such Web sites located through such hyperlinks, nor is Matrix Trust Company responsible for the privacy practices of such other Web sites and their sponsoring companies.

When You leave this Site by means of such a hyperlink, You are subjecting Yourself to whatever policies and practices might be employed by the operators of such other Web sites, and Matrix Trust Company has no control over such activities. It is strongly recommended that You read and familiarize Yourself with the user policies of such other Web sites before utilizing the contents of such sites.

Matrix Company Does Not Provide Financial, Investment, Tax or Legal Advice on this Web Site

The Content available on this Site is provided by Matrix Trust Company for general reference only. Nothing contained on this Site constitutes tax, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Site constitutes a solicitation or offer by Matrix Trust Company or its affiliates to buy or sell any financial instrument. Although it is believed to be reliable, Matrix Trust Company does not guarantee the accuracy of the information provided on this Site, including but not limited to text, graphics or links.

All Content on this Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. You acknowledge that any reliance on the Content obtained through this Site is at your sole risk and that you assume full responsibility for any and all costs associated in any way with use of, access to and/or contact with such Content.

You further acknowledge that Matrix Trust Company, its officers, directors, and employees are not liable for damages of any kind, whether or not such damages might have been foreseeable, related to Your use of, access to or contact with this Site and its Content. You agree to indemnify, defend and hold harmless Matrix Trust Company and all of its employees, agents and representatives, from any and all claims asserted by You or by a third party arising from Your use of, access to and/or contact with this Site.

Arbitration and Governing Law Provisions

By using, accessing or contacting this Site, You agree that all claims and disputes of every type and matter which may arise between You and Matrix Trust Company will be submitted to binding arbitration pursuant to the Commercial Arbitration rules of the American Arbitration Association, and that any such arbitration proceedings and hearings will take place only in Denver, Colorado.

To the extent not preempted by federal law, Colorado statutory law (including without limitation the statutes governing the award of damages in arbitration) and Colorado common law will govern. You expressly waive any right to conduct litigation or arbitration in any other forum. Arbitration is final and binding on all parties.

Acceptable Use

This Site may not be used in violation of any community standards, accepted Internet policy, laws or regulations of local, state, foreign or federal governments or agencies thereof, or international treaty. These actions include, but are not limited to, misuse, misappropriation or infringement of copyrighted, patented or protected materials. Additionally, you may not utilize this Site in any manner that would overburden any Matrix Trust Company server, or network connection to any Matrix Trust Company server.

The Content of this Site is owned by Matrix Trust Company and is protected by applicable laws. You may not copy, distribute, modify, link to or use the Content of this Site for public or commercial purpose, including all text, images, audio and video without Matrix Trust Company's prior written permission.

Security/Privacy

The Internet is not a secure network. Confidential or sensitive information should not be transmitted over the Internet, or stored on computers directly connected to the Internet. Matrix Trust Company does not assume responsibility for loss or theft of information transmitted over the Internet or stored on computers directly connected to the Internet.

You further acknowledge that, by using this Site, information as to Your Internet address, Your identity, the details of Your activity on this Site and other similar information will become available to Matrix Trust Company, and You hereby permit Matrix Trust Company to collect, store, analyze, process and use this information in Matrix Trust Company’s sole discretion for marketing, promotional, quality control and other purposes related to the Content and to the operation of this Site. Matrix Trust Company will only make such information available to third parties pursuant to its Privacy Statement (available at the “Privacy Statement” hyperlink at the bottom of this page).

Disclosure of User Information

Matrix Trust Company does not sell or distribute user information to third parties. If You have voluntarily submitted user information to Matrix Trust Company through an email or contact form, Matrix Trust Company maintains Your security by ensuring the information is only distributed within Matrix Trust Company and its affiliates. This enables Matrix Trust Company to respond to Your request about a product or service.

Downtime and Interruptions in Service

Matrix Trust Company strives to keep this Site available on a continuous basis. However, as with all computer systems, periodic upgrades and other services will sometimes be required. In addition, telecommunication links that are necessary to operate this Site are maintained by third parties and Matrix Trust Company has no control over the ability of such external systems to remain in operation without disruption. Thus, You acknowledge that this Site may be occasionally unavailable due to such periodic maintenance or to other unexpected interruptions, and Matrix Trust Company is not responsible for inaccessibility during such downtimes.

Termination

These Terms, as amended from time to time by Matrix Trust Company, are effective unless and until terminated by Matrix Trust Company. Matrix Trust Company may terminate these Terms at any time without notice to You, and accordingly, deny You access to this Site in its sole discretion if You fail to comply with these Terms.

Modification

Matrix Trust Company may modify the Content of this Site at any time without notice. Matrix Trust Company makes no guarantee that the Content offered on this Site will remain available for any specific period of time.

General Provisions

These Terms set forth the entire agreement between You and Matrix Trust Company related to the subject matter addressed above. If any provision of these Terms is invalid or unenforceable, the remainder of these Terms shall remain in force and the affected provisions shall be deemed modified so as to be enforceable to the maximum extent permitted by law.

You may not assign these Terms to a third party without Matrix Trust Company's prior written consent. Matrix Trust Company shall not be deemed to have waived any rights herein by electing not to enforce such rights. Matrix Trust Company shall not be responsible for any failure in performance that is due to causes or occurrences beyond Matrix Trust Company’s control.

For information regarding the risk of investing in Matrix Trust Company’s collective investment trusts (CITs), please see the Fund Summary Documents for the respective CIT families, the Details for the respective CITs (Fund Fact Sheets), the Global Risk Disclosure and the Declaration of Trust under the Matrix CITs tab.