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This Site is owned and operated by Willink Asset Management LLC. Please read the following Legal Notices that are the terms and conditions of use for this site ("Site"). By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use. If you do not agree to these conditions, do not use this Site.
Site for Information Only
The data, information, and content on this Site are for information, education and noncommercial purposes only. Although Willink Asset Management LLC may provide data, information, and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Willink Asset Management LLC or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other web sites, neither Willink Asset Management LLC nor any of its affiliates is recommending or endorsing services provided by any web site's sponsoring organization. Materials relating to any mutual funds should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.
Risks of Investing
Investing entails risks, including possible loss of principal. There are special risk considerations associated with value strategy investing, international investing (including emerging markets) and small company investing. No assurances or guarantees are given regarding the performance of any investment. Returns, share price, and yield will fluctuate and redemption value may be more or less than original cost. Investments in mutual funds are not insured or guaranteed by the US government or any other party.
Indexes
Comparative indexes are unmanaged and do not reflect the payment of advisory fees and other expenses associated with an investment in a fund. Investors cannot invest directly in an index.
Taxes
Mutual fund investors may receive taxable dividends and capital gain distributions. Your tax obligation may affect the after-tax returns realized from your investment. Please consult your tax advisor concerning your particular circumstances.
Your Account
If you maintain an account that you access via this Site, you are solely responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities occurring under your account or password that are due to your conduct, inaction, or negligence.
License and Site Access
Willink Asset Management LLC hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download, and print the pages within this Site and the documents, graphics, and media incorporated on those pages. The pages within this Site may be used solely for personal, informational, and noncommercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from this Site, unless you have obtained the prior written permission of Willink Asset Management LLC or you are using a service available through this Site. All rights not expressly granted herein are reserved by Willink Asset Management LLC. Willink Asset Management LLC expressly reserves the right to monitor any and all use of this Site.
Special Notice to Non-US Residents
Each of the investment products and services referred to on this website is intended to be made available to US residents. This website shall not be considered a solicitation or offering for any investment product or service to any person in any jurisdiction where such solicitation or offer would be unlawful. Because of the global nature of the Internet, you agree to comply with all local rules regarding online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.
Linking
Willink Asset Management LLC has not reviewed or authorized any sites linking to this Site. We do not take responsibility for any websites linking to this Site or any links from this Site. Following links from and to this Site is at your own risk.
Copyright Policy
Copyright © 2010 Willink Asset Management LLC. All rights reserved. All content on this Site, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code, and xml code, is the property of Willink Asset Management LLC and its affiliates or its suppliers, and is protected by United States and international copyright laws.
Downloading Files
If you download files from this Site, any files or images incorporated in the files are licensed to you by Willink Asset Management LLC solely for your personal, noncommercial use. However, Willink Asset Management LLC does not transfer title to the Files to you. You own the medium on which the Files are recorded, but Willink Asset Management LLC and its licensors retain full and complete title in and to the Files, including all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Files to any other form whatsoever.
Termination
The rights granted to you herein terminate immediately upon any violation by you of these terms of use. Willink Asset Management LLC reserves the right to terminate your access to this Site at any time, without notice, for any reason whatsoever. You agree that Willink Asset Management LLC shall not be liable to you or any third party for any termination of your access to this Site.
Disclaimers and Limitations of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, WILLINK ASSET MANAGEMENT LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WILLINK ASSET MANAGEMENT LLC MAKES NO WARRANTY THAT: THIS SITE WILL MEET YOUR REQUIREMENTS; THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS, OR OTHER HARMFUL COMPONENTS; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS SITE WILL MEET YOUR EXPECTATIONS; ANY ERRORS ON THIS SITE WILL BE CORRECTED; AND THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, OR RELIABLE.
ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE 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 CONTENT.
NO ADVICE OR INFORMATION, WHETHER WRITTEN OR ORAL, WHETHER OBTAINED BY YOU FROM TAM, FROM A WILLINK ASSET MANAGEMENT LLC EMPLOYEE OR AGENT, OR THROUGH OR FROM THIS SITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE. WILLINK ASSET MANAGEMENT LLC WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WILLINK ASSET MANAGEMENT LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY MATTER RELATING TO THIS SITE.
WILLINK ASSET MANAGEMENT LLC AND WILLINK FINANCIAL LLC ARE UNRELATED, SEPARATELY OWNED AND MANAGED ENTITIES.
Indemnity
You agree to indemnify, defend, and hold harmless Willink Asset Management LLC, its subsidiaries and affiliates, and the officers, directors, employees, and agents of Willink Asset Management LLC and its subsidiaries and affiliates, from and against any and all claims, liabilities, damages, losses, or expenses, including attorney's fees and costs, arising out of or in any way connected with your access to or use of this Site.
Integration
If any provision of these Legal Notices is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severed and will not affect the validity and enforceability of the remaining provisions. These Legal Notices represent the entire agreement between Willink Asset Management LLC and the user relating to the subject matter herein.
Choice of Law
Willink Asset Management LLC controls and operates this Site from our offices within the State of New York, United States of America. By visiting this Site, you agree that the laws of the State of New York, United States of America, without regard to principles of conflict of laws, will govern these conditions of use and any dispute of any sort that might arise between you and Willink Asset Management LLC arising from your use of this Site. The courts of the state of New York shall have exclusive jurisdiction to settle any dispute that may arise out of, under or in connection with these conditions and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.
Modifications
Willink Asset Management LLC reserves the right, at its discretion, to modify these conditions of use at any time, and any such modification will be effective immediately upon posting the modification. We suggest that you check these Legal Notices periodically for modifications. If you use this Site after we post modifications to this Site, then you will be bound by such modifications.
Privacy Policy
Federal privacy laws require that we explain to you how we handle “nonpublic personal information.” This is information that in the course of our relationship with you, we receive or develop about you. It includes (1) information you provide to us orally or on applications or other forms, (2) information we develop about you in the course of providing our services to you, such as the amount and type of your assets that we manage and transactions we place on your behalf, and (3) technical information we may develop and gather through your access to our website (e.g., identifying information communicated through “cookies” stored on your computer).
As a general rule, we do not disclose this private information to others. As you might imagine, however, we rely on certain third parties for services that are necessary to enable us to provide our investment services to you. These may include our attorneys, auditors, and custodians who, in the ordinary course of providing their services to us, may require access to information containing your nonpublic personal information. In addition, we may disclose your nonpublic personal information to others with your consent, where required by law or judicial process (such as a court order), or otherwise to the extent permitted under the federal privacy laws.
We also restrict access to your nonpublic personal information among our own personnel. Only those who need the information in order to help us provide investment advisory services to you have access. It is our policy that, where we are not comfortable a service provider is already bound by duties of confidentiality (e.g., attorneys and auditors), we will require contractual assurances that they will maintain the confidentiality of any of your information they obtain. We also maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.
If you have any questions about our practices with respect to your nonpublic personal information, you may contact us by email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it telephone: 716-655-0097 or toll free: 877-655-0097, or regular mail: 25 Hamburg Street, East Aurora NY 14052.
