PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE ALGORITHMICS ALGO ASSIST WEB SITE (THE "SITE"). USING THIS SITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THIS SITE. Algorithmics Incorporated and its affiliates (collectively, "Algorithmics") reserves the right, at its discretion, to change these terms at any time. Please check these terms periodically for changes. Using this Site following the posting of changes to these terms indicates that you accept them as changed.

This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this Site may contain technical inaccuracies or typographical errors.

Confidentiality and Restrictions on Use

The contents on this Site are protected by copyrights, trademarks, service marks, patents, or other intellectual property and proprietary rights and laws. All such rights belong to Algorithmics and/or its licensors. All the material accessible through this Site is the proprietary and confidential information of Algorithmics and is subject to the terms and conditions of the Confidentiality Agreement between Algorithmics and your company. In particular, material from the Site may not be disclosed to any third party or used for any purpose other than in furtherance of your use of the Algorithmics software in accordance with the terms of a valid license agreement with Algorithmics or in furtherance of your partner relationship with Algorithmics in accordance with the terms of a valid Algorithmics partner agreement, as the case may be (the "Purpose"). You may download or reprint material from this Site for your own use in furtherance of the Purpose, but you may not republish or reproduce any part without the prior written permission of Algorithmics. Any downloaded or reprinted material may not be altered in any way, and must bear a copyright notice in favour of Algorithmics. Any other use of the material, either in whole or in part for any other reason is expressly prohibited, unless prior written consent is obtained from Algorithmics.

Trademarks

ALGO SUITE, ALGO CREDIT, ALGO MARKET, ALGO ALM, ALGO LIMITS, ALGO COLLATERAL, ALGO ENERGY, ALGO ASP, ALGO LIQUIDITY, ALGO OPRISK, ALGO OPCAPITAL, ALGO OPDATA, ALGO ASSET MANAGEMENT, ALGO REPORTING DATABASE, ARDB, RISKWAREHOUSE, ALGO INPUT DATABASE, AIDB, RISKWATCH, RISKWATCH-ENGINE EDITION, HISTORISK, ALGO SCENARIO ENGINE, ASE, RISKMAPPER, RISK++, RISKSCRIPT, RISK PROCESS MANAGER, RISKENGINE, ALGO RISK ENGINE, ARE, ALGO CUBE EXPLORER, ACE, ALGO WATCHDOG, ALGO PORTFOLIO CREDIT RISK ENGINE, PCRE, RISKBROWSER, ALGO CREDIT EVALUATOR, RISKCURVES, RICOS, RICOS-TREASURY, RICOS-COMMERCIAL, RICOS.EXE, ALGOEXCHANGE, ALGOSOURCE, ALGO CERTIFIED ENGINEER, ALGO INTEGRATOR, SENTRY, E-SENTRY, MARK-TO-FUTURE, MTF, MARK TO FUTURE & Design, MTF & Design, KNOW YOUR RISK, KNOW YOUR RISK WORLDWIDE, A REVOLUTION IN THE EVOLUTION OF RISK, RISKLAB, RISKLAB INTERNATIONAL, RISKLAB INTERNATIONAL CONNECTED FINANCIAL RESEARCH, ALGO ACADEMY, ARQ, ALGO RESEARCH, ALGO RESEARCH QUARTERLY, FUTURERISK.COM, RISKDRIVE, RISKMARK, RISKPORTAL, ALGO RISK PORTAL, RISKMOVIES, ALGOENGINE, ARC, AI & design, ALGO and ALGORITHMICS are trade-marks of Algorithmics. All other trade-marks referenced herein are the property of others.

Ownership and Rights to Use Materials

Algorithmics does not want to receive confidential or proprietary information from you through the Site. Please note that any information or material sent to Algorithmics through the Site will be deemed NOT to be confidential. By sending Algorithmics any information or material, you grant Algorithmics an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that Algorithmics is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this Site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

Indemnification

You agree to indemnify, defend and hold harmless Algorithmics and its officers, directors, employees, consultants, agents and licensors from any and all claims, liability, damages and/or costs (including but not limited to reasonable attorneys' fees) arising from your failure to comply with these terms of use, your infringement or violation of any intellectual property or other right of a third party, your user content, the Material posted by you to the FAQ or from your violation of any applicable law.

Termination

You agree that Algorithmics, in its sole discretion, may terminate your password, account (or any part thereof) or use of the Site, and remove and discard any Material posted by you to the Bulletin Board, for any reason, including, without limitation, for lack of use or if we believe you have violated or acted inconsistently with these terms of use. You agree that any termination of your access may be effected without prior notice, and acknowledge and agree that Algorithmics may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files. Further, you agree that Algorithmics shall not be liable to you or any third-party for any termination of your access to the Site or any portion thereof. All provisions of these terms of use relating to disclaimers of warranties, limitation of liability, remedies or damages and Algorithmics' proprietary rights shall survive termination of your access.

Linked Web Sites

Algorithmics makes no representations whatsoever about any other Web site which you may access through this one. When you access a non-Algorithmics Web site, even one that may contain the Algorithmics logo, please understand that it is independent from Algorithmics, and that Algorithmics has no control over the content on that Web site. In addition, a link to a non-Algorithmics Web site does not mean that Algorithmics endorses or accepts any responsibility for the content, or the use, of such Web site. It is up to you to take precautions to ensure that whatever you select for your use is free of items such as viruses, worms, trojan horses and other items of a destructive nature.

Disclaimer

While Algorithmics uses reasonable efforts to include accurate and up-to-date information on this Site, Algorithmics makes no warranties or representations as to its accuracy. Algorithmics assumes no liability or responsibility for any typographical or other errors or omissions in the content on this Site. Algorithmics may change the content of this Site at any time without notice. Algorithmics may also make improvements and/or changes in the products and/or the programs described in this information at any time without notice.

The use, distribution, or publication of any Material does not constitute or imply an endorsement by Algorithmics of such Material, or of any opinions or comments in such Materials. Algorithmics disclaims any and all warranties with regard to this Site or the Materials, express or implied, including without any limitation any implied warranty of merchantability, fitness for a particular purpose or non-infringement. In no event will Algorithmics be liable to you or to any party for any damages of any kind arising out of or relating to the content, use of, or inability to use Materials or this Site, under any legal theory, even if informed of the possibility of such damages.

IN NO EVENT SHALL ALGORITHMICS HAVE ANY LIABILITY FOR ANY LOSSES (WHETHER DIRECT, INDIRECT OR CONSEQUENTIAL, IN CONTRACT, TORT OR OTHERWISE) INCURRED IN CONNECTION WITH THIS SITE, ITS CONTENT, OR ANY MATERIALS POSTED TO THE FAQ BY ANY USER, INCLUDING BUT NOT LIMITED TO LOST REVENUE OR PROFIT, LOST OR DAMAGED DATA, DAMAGE TO OR INTERRUPTION OF ANY LOCAL AREA NETWORK, INTRODUCTION OF VIRUSES, WORMS OR OTHER DESTRUCTIVE PROGRAMS OR ANY OTHER COMMERCIAL OR ECONOMIC LOSS, OR FOR ANY DECISION MADE OR ACTION TAKEN BY ANY PARTY IN RELIANCE UPON THE SITE, MATERIAL OR CONTENT, OR FOR ANY DELAYS, UNAVAILABILITY, INACCURACIES, ERRORS IN, OR OMISSIONS OF THE SITE OR ANY CONTENT OR MATERIAL, EVEN IF ADVISED OF THE POSSIBILITY THEREOF IN ADVANCE. THESE TERMS OF USE SHALL BE EXCLUSIVELY GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE PROVINCE OF ONTARIO WITHOUT GIVING EFFECT TO ITS RULES OF CONFLICT OF LAWS. YOU AND ALGORITHMICS HEREBY ATTORN AND SUBMIT TO THE NON-EXCLUSIVE JURISDICTION OF THE COURTS OF THE PROVINCE OF ONTARIO.