USE OF WEBSITE CONTENT AND MATERIALS
The content and information printed on the Website, including, without limitation, page headers, text, software, photos, audio and video clips, graphics, illustrations, images, drawings, product and service listings, descriptions, pricing information, logos, music and sound and the materials available on the Website for download (all, collectively, the “Website Content”) are for informational, personal, and noncommercial purposes only. Do not use any of the Website Content as a basis for making any investment decisions. All investment decisions should be made with the direct advice and counseling of a properly credentialed investment advisor.

RESTRICTIONS ON USE
Unless otherwise specified, Website Content cannot be copied, modified, reproduced, broadcasted, paraphrased, or distributed in any way. All such content and information is subject to trademark, service mark, trade dress, copyright and/or other intellectual property rights and licenses held by Virtus International. All Website Content is to be used by you for private, noncommercial use only. You may not remove the name or logo of Virtus International from any of the materials, unless written permission is granted by Virtus International. You will also not restrict any other user from using or enjoying the Website or take any action to harm or disrupt the operations of this Website or to intercept any system, data or personal information from the Website, or to circumvent the security systems of this Website.

DISCLAIMERS
This Website is provided on an “As Is” and “As Available” basis. As such, your use of this Website is at your sole risk. Although Virtus International tries to provide timely and accurate information on its Website, the Website Content may have inaccuracies or typographical errors for which Virtus International is not and shall not be held liable.

Virtus International does not and cannot guarantee uninterrupted, continuous, and secure access to its Website. We reserve the right to restrict or terminate your access to the Website or any feature or part thereof at any time and for any reason. We also reserve the right to temporarily suspend or permanently terminate any service, tool or feature contained in this Website at any time and for any reason.

Due to the fact that this Website is published on the Internet's World Wide Web, our Website may be accessed by parties from anywhere in the world. However, we limit our solicitation of investment advisory clients to those clients located in the specific states where Virtus International is registered. As the list of relevant states may change from time to time, as part of our screening process, we will determine if any potential client is located in a state where we are lawfully able to provide services before accepting that person as a client. If any material on this Website, or your use of the Website, is contrary to the laws of the place where you are when you access it, the Website is not intended for you, and we ask you not to use the Website. You are responsible for informing yourself of the laws of your jurisdiction and complying with such laws.

The financial advice that you may otherwise receive from Virtus International does not include formal tax or legal advice unless entered into under a separate contract. Consult with your credentialed tax advisor or attorney regarding those issues.

NO INVESTMENT ADVICE
Virtus International does not provide any investment advice on this Website. Materials and information published or available via this Website are for noncommercial, general informational purposes only. Seek and receive investment advice only as provided in a direct manner from a properly credentialed investment advisor.

WARRANTY DISCLAIMERS
By using this Website, you agree that any tool or service provided online via this Website is on an "as is" and "as available" basis. Virtus International disclaims all warranties regarding the functionalities of the Website that are either implied or expressed, including but not limited to the warranties of accountability, merchantability, title, security, non-infringement, and fitness for a particular purpose. Some states may disallow such Warranty Disclaimers, so the Warranty Disclaimer may not apply to you.

Without limiting the foregoing, WITH RESPECT TO YOUR USE OF THIS WEBSITE, VIRTUS INTERNATIONAL EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF TITLE, AND ANY WARRANTIES THAT MATERIALS IN THIS WEBSITE ARE NONINFRINGING, AS WELL AS WARRANTIES IMPLIED FROM A COURSE OF PERFORMANCE OR COURSE OF DEALING; THAT ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT THE WEBSITE WILL BE SECURE; OR THAT THE WEBSITE OR THE SERVER THAT MAKES THE WEBSITE AVAILABLE WILL BE VIRUS-FREE. IF YOU DOWNLOAD ANY MATERIALS FROM THIS WEBSITE, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIALS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM VIRTUS INTERNATIONAL OR THROUGH OR FROM THE WEBSITE SHALL CREATE ANY WARRANTY OF ANY KIND.

YOU ACKNOWLEDGE AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VIRTUS INTERNATIONAL SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, EXEMPLARY, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO THE WEBSITE, OR ANY OTHER WEBSITE YOU ACCESS THROUGH A LINK FROM THIS WEBSITE OR FROM ANY ACTIONS WE TAKE OR FAIL TO TAKE AS A RESULT OF COMMUNICATIONS YOU SEND TO US, OR THE DELAY OR INABILITY TO USE THE WEBSITE, VIRTUS INTERNATIONAL’S REMOVAL OR DELETION OF ANY MATERIALS SUBMITTED OR POSTED ON ITS WEBSITE, OR OTHERWISE ARISING OUT OF YOUR USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE. THIS DISCLAIMER APPLIES, WITHOUT LIMITATION, TO ANY DAMAGES OR INJURY ARISING FROM ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECTS, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUSES, FILE CORRUPTION, COMMUNICATION-LINE FAILURE, NETWORK OR SYSTEM OUTAGE, YOUR LOSS OF PROFITS, OR THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, LOSS OR USE OF ANY RECORD OR DATA, AND ANY OTHER TANGIBLE OR INTANGIBLE LOSS. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT LPL FINANCIAL SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER OF THE WEBSITE

Virtus International makes no guarantee regarding the accuracy and reliability of any opinion made through this Website by any party other than Virtus International, as well as the accuracy and reliability of any content, products, tools, or services provided by linked sites.

No content provided on the Website will create an oral or written warranty, whether obtained from Virtus International or a third-party, which is not specifically stated in these Terms of Service.

FORCE MAJEURE
Virtus International shall not be liable for any delay or failure in performance due to Force Majeure, which shall mean acts of God, earthquake, labor disputes, changes in law, regulation or government policy, riots, war, fire, flood, insurrection, sabotage, embargo, epidemics, acts or omissions of vendors or suppliers, transportation difficulties, unavailability of interruption or delay in telecommunications or third-party services (including DNS propagation), failure of third-party software or hardware, or inability to obtain raw materials, supplies, or power or equipment needed. We are not responsible for server downtime under any circumstances.

NOTIFICATION OF CLAIMED INFRINGEMENT
If an infringement has occurred, a copyright holder or other holder of intellectual property rights may send a written notification of claimed infringement to us via this address: info@virtus-international.com

The notice must include the following:

(i) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

(ii) Identification of the trademark or copyrighted work claimed to have been infringed, or, if multiple trademark or copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.

(iii) Information and documentation evidencing the claimant’s ownership of rights in the trademark or copyrighted work that are allegedly infringed.

(iv) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.

(v) Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.

(vi) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law. (vii) A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

INDIVIDUAL PROVISIONS
If any provision of the Terms of Service is found to be unenforceable, unlawful, or void, the remaining provisions will be unaffected and will continue to be deemed valid and enforceable.

INTERNATIONAL USE
When accessing the Website, you agree to comply with local rules, as well as the rules, laws, codes, and regulations of the country in which you reside and the country from which you access this website. You also agree to comply with the rules, laws, codes, and regulations about the transmission of information that is exported from Seoul, South Korea.

TERMINATION UPON VIOLATION OF TERMS
If you violate any of these Terms of Service, Virtus International reserves the right to immediately terminate any rights granted to you and/or your access to the Website without notice or liability. Termination of your access or use will not waive or affect any other right or relief to which Virtus International may be entitled to at law or in equity.

CHANGES TO TERMS OF SERVICE
Virtus International reserves the right to alter, add, or delete any part of its Website and Terms of Service at any time without prior notification. Users will be bound by the new Terms of Service effective upon publication of the modified version of the Terms of Service on our Website. We therefore advise you to review the Terms of Service each time you use any tool or service on the Website. If you disagree with the modified version of the Terms of Service, you must immediately discontinue your usage of any tool or service published on the Website. Your continued use of this Website after we have published a modified version of our Terms of Service on the Website is your express indication that you accept each and every term and condition of the modified version of our Terms of Service and that you agree to be bound by such Terms of Service.

E-MAIL COMMUNICATIONS
When you send us an e-mail to inquire about our products and services, we collect your name and e-mail address and use this to reply to your inquiry. When you subscribe to our on-line services which we may make available, including, without limitation, our content and tools, we also collect your name and e-mail address, as well as other personal information. We use the email address you provide us so that we can send you e-mail communications about various matters such as information about new products and services and notifications and updates about existing products and services. By enrolling in any of our on-line services, you agree that we can send you such email communications. To see what personal information we collect when you sign up for any of our on-line services, and how we use, share, store and protect that information, see the Virtus International Privacy Policy published on this Website.