Terms of Service
Limited license and restrictions on use.
- Modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, "Materials");
- Redeliver any page, text, image or Materials on this Site using "framing" or other technology;
Athena owns and operates this Site. All Materials on this Site, whether separate or compiled, including but not limited to, text, graphics, and audio clips. Logos, buttons, images, digital downloads, data compilations, software, icons, source code, as well as all copyright, patent, trademark, are owned or licensed by Athena and its third-party information providers, and are protected by United States and international intellectual property laws.
Data, information, content and third-party content.
The Materials on this Site are for information, education, and noncommercial purposes only. Although Athena may provide data, information, and content relating to investment approaches and opportunities to buy or sell Portfolios, 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 Materials on this Site before making any decisions based on such Materials. In exchange for using such Materials, you agree not to hold Athena and its owners, officers, employees, or its third-party information providers liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other websites, neither Athena nor any of its affiliates is recommending the purchase or sale of the stock issued by any company, nor are they endorsing services provided by any website's sponsoring organization.
Data and other materials appearing on this Site that are provided by third parties are believed by Athena to be obtained from reliable sources, but Athena cannot guarantee and is not responsible for their accuracy, timeliness, completeness, or suitability for use. Athena is not responsible for, and does not prepare, edit, or endorse, the content, advertising, products, or other materials on or available from any website owned or operated by a third party that is linked to this Site via hyperlink. The fact that Athena has provided a link to a third party's website does not constitute an implicit or explicit endorsement, authorization, sponsorship, or affiliation by Athena with respect to such website, its owners, providers, or services. You will use any such third-party content at your own risk.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
THERE ARE NO IMPLIED OR EXPRESSED WARRANTIES ON THE MATERIALS IN THIS SITE; THE MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE BASIS." ATHENA, AFFILIATES, AGENTS, OWNERS, OFFICERS, EMPLOYEES, LICENSORS AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS DISCLAIM, TO THE FULLEST EXTENT UNDER APPLICABLE LAW, ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SERVICE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ALL WARRANTIES REGARDING SECURITY, CURRENCY, CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS, OR CONTINUED AVAILABILITY, WITH RESPECT TO (I) THE SITE; (II) ANY MATERIALS, PRODUCTS, OR SERVICES AVAILABLE ON OR THROUGH THE SITE; (III) USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES; AND (IV) THE RESULTS OF THE USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES. FURTHER, ATHENA, AFFILIATES, DIRECTORS (AND TRUSTEES), OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY MATERIALS, PRODUCTS, OR SERVICES AVAILABLE THROUGH THIS SITE. EXCEPT AS PROVIDED BY LAW, NEITHER ATHENA NOR ITS THIRD-PARTY INFORMATION PROVIDERS AND VENDORS HAS ANY RESPONSIBILITY TO MAINTAIN THE MATERIALS, PRODUCTS, OR SERVICES OFFERED ON THE SITE OR TO SUPPLY CORRECTIONS, UPDATES, OR RELEASES FOR THE SAME. USE OF THIS SERVICE IS AT YOUR OWN RISK. REFERENCE TO A FUND OR SECURITY ANYWHERE ON THIS WEB SITE IS NOT A RECOMMENDATION TO BUY, SELL, OR HOLD THAT OR ANY OTHER SECURITY. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW DISCLAIMERS OF CERTAIN WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND MAY HAVE OTHER RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.
LIABILITY AND INDEMNITY.
ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DOWNLOADED OR OBTAINED DATA THAT RESULTS FROM SUCH DOWNLOAD.
NEITHER ATHENA NOR ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, OR COMMUNICATIONS LINE FAILURE, OR THE COST OR PROCURING SUBSTITUTE GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS SITE, EVEN IF ATHENA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF ATHENA AND ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.
Jurisdictional issues and applicable law.
Unless otherwise specified, Athena controls and operates this Site from its offices in Greenwood Village, Colorado, United States of America.
Integration and severability.
Trademarks and ownership of other materials.
All trademarks, service marks, and logos appearing on this Site are the exclusive property of their respective owners.
- Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated.
- Advisor Perspectives® is a trademark of Advisor Perspectives, Inc.
- FinancialAdvisor® is a trademark of Charter Financial Publishing Network Inc.
- Firefox® is a trademark of Mozilla Corporation.
- Ignites® is a trademark of Money-Media, Inc.
- IndexUniverse.com® and Journal of Indexes® are trademarks of IndexPublications, LLC
- InvestmentNews® is a trademark of Crain Communications Inc.
- Investment Advisor® is a trademark of Highline Media
- Microsoft® and Internet Explorer® are trademarks of Microsoft Corporation.
- Morgan Stanley® , Morgan Stanley Capital International, and EAFE® are trademarks of Morgan Stanley.
- NASDAQ® is a registered service/trademark of The Nasdaq Stock Market, Inc.
- SMARTMONEY® is a trademark of SmartMoney, a joint venture between Dow Jones & Company, Inc. and Hearst SM Partnership
- Standard & Poor's®, S&P®, Standard & Poor's 500, S&P 500®, and 500 are trademarks of The McGraw-Hill Companies, Inc.
- The Journal of Investment Consulting® is a trademark of Investment Management Consultants Association
- The Motley Fool® is a trademark of The Motley Fool
Amendments to this Policy will be posted on the Site and will be effective when posted. Your continued use of the Site following the posting of any amendment will constitute your acceptance of that amendment, except if your personally identifiable information will be used in a materially different manner. See the Notification of Changes section below for further information.
Registration is not mandatory to access the public areas of the Site. Registration is, however, required for access to certain areas of the Site and the products and services provided through those areas of the Site. The areas of the Site requiring registration are noted on the Site. Users registering for the Site will receive an account on the Site and will be provided with a username and password for purposes of accessing their account and the portions of the Site available to registered users. When accessing the portions of the Site available to registered users, registered users will be asked for their username and password. Always remember that in order to protect your privacy you should not share your username or password with others.
Personally Identifiable Information.
We only collect and share personally identifiable information regarding users of the Site as described in this Policy. Except as noted in this Policy, personally identifiable information collected on the Site is NOT shared with third parties without your consent.
Our server may automatically collect your domain name and email address when you access the Site.
We may also collect personally identifiable information from you through a number of voluntary sources on the Site such as emails, postings, messages or other electronic communications sent by you to Athena or the Site. We may also collect any of the following types of personally identifiable information from you:
- Domain name and e-mail address;
- Contact information (including, name, address, zip code and phone number);
- Occupation and position;
- Income information;
- Employer and business information, including, but not limited to, assets under management, custodial relationships, trade execution relationships, advisors per firm/branch, number of clients, average client size, software and data sources used;
- User-specific and aggregate information on areas of the Site accessed; and
- Username and password information for the Site.
You should not provide Athena with any personally identifiable information (or send or post any personally identifiable information to the site) unless you would like that information to be used by Athena in accordance with this Policy. Likewise, you should not post any personally identifiable information to the Site unless you want that information to be accessible by other users of the Site, as information posted on the Site will be made available to other users of the Site.
The personally identifiable information that Athena collects from users of the Site (both registered and unregistered) may be used for a variety of purposes, for example to provide the services and products offered through the Site to users of the Site, to customize content and/or layout of the Site for each individual user of the Site, to notify users of the Site about updates to and activities on the Site and about goods and services that we feel may be of interest to you, to improve the content of the Site, to analyze data and patterns regarding usage of the Site, to contact users of the Site for marketing purposes, and to contact users of the Site for information verification purposes.
We may also share certain personally identifiable information we collect through the Site with third party companies. We may share personally identifiable information with third party companies, such as Thomson Reuters Financial, so that they may offer products and services to users of our Site that we believe will be of interest to those users. We may also share certain personally identifiable information with third party advertisement serving companies to better target the advertising displayed on the Site and provide pertinent offers we think may be of interest to our users. In addition, third party advertisers may receive certain personally identifiable information about you if you click on advertisements displayed on the Site (and clicking on any advertisement displayed on the Site will be considered your consent to “opt in” for this transfer).
Disclosure as Required by Law.
Though we make every effort to preserve user privacy, we may need to disclose personally identifiable information of certain users of the Site when we have a reasonable and good-faith belief that the disclosure is necessary to comply with a current judicial proceeding, a court order, or legal process served on our Site. In such a situation we will use reasonable efforts to provide notice of this disclosure in advance to users, to the extent reasonably possible under the circumstances.
Enhancement of Personal Information.
We may enhance our user database information with third party data to better target our advertising and provide pertinent offers we think our users would be interested in. Certain summary demographics are also used in our research product offerings. Individual personally identifiable information is never used in our research product offering and is never tied back to an individual user or resold for any purposes.
On occasion it is necessary to send out service related announcements. For instance, if our Site or any of the services offered through the Site are temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. These communications are not promotional in nature.
Special Offers and Updates.
We send all new registrants of the Site a welcoming email to verify password and username. Established members will occasionally receive information on products, services and special deals, and periodic newsletters. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the Choice and Opt-out section.
Choice and Opt-out.
We provide you with the choice whether to receive certain emails.
We communicate with users on a regular basis to provide requested services and with regard to issues relating to their account, we reply via email, in accordance with the users' wishes.
Non-Personally Identifiable Information.
Where possible, our server automatically recognizes each visitor’s domain name, Internet Protocol addresses, and email address. We also collect information about how visitors use the Site (for example what pages are viewed). This information, which is collected and maintained in anonymous and in a non-personally identifiable form, allows us to improve the content of the Site and facilitate market research. Sometimes, we utilize the services of a third party to help us understand this information better, although the information that is disclosed to these entities remains at all times in anonymous and non-personally identifiable form. Other than improving the Site and providing our visitors with the best experience possible, we make no other use of this information.
We do not link the information we store in cookies to any personally identifiable information you submit while on our Site.
Most browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. Please refer to your browser instructions or help screen to learn more about these functions.
Access, Review, Update.
Other Web Sites; Links.
The web sites of Athena’s affiliates, promotional partners, advertisers, sponsors, and other third-party web sites are accessible through this Site. These third party web sites have their own privacy and data collection policies and practices. Athena is not responsible for any actions or privacy policies of such third parties. You should check the applicable privacy policies of those third parties when providing personally identifiable information through linked web sites.
Consent to the Use of Third Party Providers.
In addition to the specific third parties noted in this Policy, Athena may also contract with other third parties to provide various services to Athena relating to the Site on an outsourced basis rather than performing the services itself. For example, Athena may contract with an email provider to handle the distribution of email messages to members of the Site. Likewise, Athena may contract with a web site hosting provider to host all or a portion of the Site for Athena. By visiting the Site, all visitors consent to Athena providing both personal and non-personal information received from those visitors to these third party providers for the purpose of enabling the third party provider to provide these outsourced services to Athena. In addition, all visitors consent to the collection, maintenance, and processing of their personal and non-personal information by Athena and these third party providers.
Notification of Changes.
We will use industry standard security measures on the Site to protect the loss, misuse and alteration of the information under our control. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.
Only employees who need the information to perform a specific job are granted access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Finally, the servers that we store personally identifiable information on are kept in a secure environment.
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