TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY.  BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE.

Ameriprise Financial, Inc., its subsidiaries and affiliates (collectively, "Ameriprise ") requires all visitors to our Websites (collectively the "Website") adhere to these Terms of Use.  Please read the terms and conditions below carefully. By accessing this Website, you are acknowledging that you have read and agree to be bound by the terms and conditions below. These Terms of Use as well as the information and materials contained on the Website are subject to change at any time and from time to time, without notice. Ameriprise may add features to or remove features from the Website at any time in our sole discretion. Continued access to the Website following any modification in these Terms of Use will constitute your acceptance of the Terms of Use as modified. 

General Information

Unauthorized use of Ameriprise's Website and systems, including, but not limited to, unauthorized entry into Ameriprise's systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Website in any manner that could damage, disable, overburden, impair or interfere with any other party's use and enjoyment of the Website. You agree that you will not engage in any activities related to this Website that are contrary to applicable laws or regulations. 

Ameriprise reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Website and to suspend and/or deny access to this Website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Website may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and Ameriprise does not undertake any obligation or responsibility to update or amend any such information. Ameriprise may discontinue or change any product or service described in or offered on this Website at any time.

Proprietary Rights

Ameriprise retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in and to all information and content (including all text, data, graphics and logos) on the Website. The Website and content are protected by United States copyright laws and related laws of other countries pursuant to international treaty provisions. Unless otherwise specially stated to the contrary, the Website is for personal and non-commercial use, only individual pages and/or sections of the Website may be printed or otherwise retained for such personal use, and provided that such printouts retain all applicable copyright or other proprietary notices. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes, in whole or in part, any information, software, products or services obtained from this web site, except for the purposes expressly provided herein. 

All trademarks, service marks, and logos (collectively and individually, “marks”) on the Website belong to Ameriprise or one of its affiliates, except for third-party trademarks and service marks, which are and remain the property of their respective owners.  You are prohibited from using any marks found on the Website for any purpose whatsoever, including, but not limited to use as metatags on other pages or sites on the World Wide Web.

Copyright and Digital Millennium Copyright Act Agent Information

In accordance with Section 512 of the Digital Millennium Copyright Act, Ameriprise designates the following agent to receive notifications of copyright infringement: Ameriprise Financial General Counsel's Office Attn.: Technology Counsel at intellectual.property.legal.mail@ampf.com.

Links to Third Party Sites or Content

The Website may contain third party content or links to third party websites. The content and links are provided solely for your convenience and information. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification, or monitoring by Ameriprise of any information found on any third-party website. Ameriprise has no control over, does not assume any responsibility for, and does not make any representations or give any warranties as to any third-party websites or content found thereon, including but not limited to, the accuracy, subject matter, quality or timeliness, or your use of or inability to use such site. Ameriprise shall have no liability for third party content or websites or websites linking to or framing the Website. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that website. You should also be aware that the terms and conditions of such site, and the site's privacy policy, may be different from those applicable to your use of the Website.

NO WARRANTY AND LIMITATION OF LIABILITY

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED “AS IS”,  “AS AVAILABLE” AND WITH ALL FAULTS. WE, OUR AFFILIATES, AND ANY THIRD PARTY DATA PROVIDERS:

• ARE NOT PROVIDING ANY REPRESENTATIONS OR WARRANTIES REGARDING THE WEBSITE;
• DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR A PARTICULAR PURPOSE;
• DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION; 
• WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN THIS WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER; AND 
• DO NOT WARRANT THAT THE WEBSITE WILL BE AVAILABLE AT ALL TIMES, OR IS VIRUS-FREE. AMERIPRISE DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO THE WEBSITE. 

NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS WHERE APPLICABLE LAWS AND REGULATIONS PROHIBIT SUCH LIMITATIONS OR REDUCTIONS. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY, OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Privacy & Cookie Notices

While using this Website, you may be asked to provide certain information to us, such as categories of products and services in which you are interested, account information, or contact or other personal information. To find out how Ameriprise processes personal data, see our Privacy Notice(s). Click here to view our Privacy Notice Addendum for California Residents. This notice is provided pursuant to the California Consumer Privacy Act ("CCPA"). Our Website contains cookies and similar technologies that enable us to personalize content, provide various site features, understand how people use and navigate our sites and to make our pages and products more secure. To find out more please see our Cookie Notice.

No Offers or Investment Recommendations

The Website is intended for general education, informational and illustrative purposes only. It is not intended to provide security-specific investment recommendations to you, nor is it to be used as the primary basis for any investment decisions you might make. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. When making a decision about your investments, we urge you to seek the advice of a professional financial advisor or consult with an expert.

Forward Looking Statements

This Website contains forward-looking statements relating to the company, which are subject to risks and uncertainties and speak only to circumstances as of the date on which they are made. The words "believe", "expect", "anticipate", "optimistic", "intend", "aim", "will" or similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements. Ameriprise is under no obligation to update or revise any forward-looking statements. Important factors that could cause actual results to differ materially from the company's forward-looking statements are described in Ameriprise Financial periodic reports, including the Annual Report on Form 10-K, quarterly reports on Form 10-Q filed with the Securities and Exchange Commission and the Annual Report to Shareholders. Please click here to view such factors contained in the latest Form 10-K from Ameriprise Financial.

Conflict with Additional Terms

Certain webpages or areas on the Website may contain additional terms, conditions, disclosures and disclaimers (collectively, the “Additional Terms”).  In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those web pages or areas. These Terms of Use shall be subject to any other agreements you have entered into with Ameriprise.

Severability

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed to be severed from these Terms of Use but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.

Termination

You agree that Ameriprise may, to the extent feasible, in its sole discretion, and without prior notice, terminate your access to or use of any portion of our Website at any time and for any reason, with or without cause. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice that will cause irreparable harm to Ameriprise for which monetary damages would be inadequate. You consent to Ameriprise obtaining any injunctive or equitable relief that Ameriprise deems necessary or appropriate in such circumstances, without the need for a bond. These remedies are in addition to any other remedies Ameriprise may have in law or equity.

Governing law and Waiver of Jury Trial

These Terms of Use shall be governed by and construed in accordance with the laws of the state of Minnesota, USA, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the County of Hennepin, State of Minnesota and the parties unconditionally waive their respective rights to a jury trial.