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Terms and Conditions

Service Agreement, Terms of Use and Disclaimer
This Web site (the "Site") is offered to you, the user, ("you" or "User") conditioned solely upon your acceptance of all the provisions of this Agreement. By accessing and using the Site, you agree to abide by all the provisions of this Agreement.

Patent, Trademark and Copyright
This Site is operated by American Century Investments ("ACI"). Except as otherwise provided in this Agreement, ACI is either an authorized licensee of, or the owner of all right, title and interest in this Site and its contents, including without limitation, all patents, copyrights, trademarks, service marks, trade dress, trade names and any and all other Intellectual Property whether now known or here after existing and all of the good will therein ("Intellectual Property"). The Site is for your personal, noncommercial use only, with no transfer of title.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, sell, or make any other use of any of the content obtained from the Site. You may not use any of the Site content on any other Web site or networked computer environment, or in any format or medium, whether now known or hereafter existing. You may not remove any Intellectual Property or legal notice from any content downloaded from the Site.

Third Party Web Sites and Access
This Site may contain links and pointers to Internet sites maintained by third parties. ACI does not operate or control in any respect, or endorse, the content found on such third-party sites. You assume sole responsibility for use of third party links and pointers.

You further acknowledge that all connections to, and transmissions through, the Internet, including your access to this Site, are subject to opportunities for access by third parties. As a result, by accessing the Site, you acknowledge that you have no legitimate expectation of privacy in such connections and/or transmissions, and ACI shall not be responsible for any such third party access to such connections and/or transmissions.

Electronic Submissions
Users posting materials on this Site are responsible for the content of that material. ACI has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through ACI-related pages. However, ACI retains the right, which it may or may not exercise, in its sole discretion, to review, edit or delete any such posted third-party material which ACI deems to be illegal, offensive or otherwise inappropriate.

By voluntarily submitting questions, comments, ideas, suggestions or other information, you agree that such submissions are non-confidential for all purposes. You further agree that such submissions become the property of ACI and that all title and interest therein, including all rights of copyright, shall vest with ACI at the time they are posted and/or used by ACI. Such submissions are subject to being used, reproduced, modified, published, edited, translated, distributed, performed and displayed in any media or medium, or any form, format or forum now known or hereafter developed, for any purpose, in perpetuity without further notice. The submission of such materials in no way creates any obligation or duty on the part of ACI to post or use such materials or, if we do so, to give you credit or compensation.

Modification of this Agreement
ACI reserves the right to change this Agreement at any time by publishing a revised version of this Agreement on the Site. You are responsible for regularly reviewing this Agreement. Continued use of the Site following any such changes means you accept and will abide by these changes.

Liability Disclaimer
The materials in this Site are provided "as is" and without warranties of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. ACI disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, title and noninfringement. ACI does not warrant that the Site will be operated free of delays in transmission, failure in performance, computer viruses, inaccuracies or errors in the materials, or other errors or defects. You use this Site at your own risk. You understand and expressly agree that neither this Site nor the content of this Site constitutes legal or investment advice and you agree you have not relied on this Site, in any respect, for legal or investment advice.

Under no circumstances, will ACI be liable for any direct, indirect, special, punitive, incidental or consequential damages that arise out of or in connection with the use of the Site or with the delay or inability to use the Site, or for any information, hardware, software, products and services obtained through the Site, or otherwise arising out of the use of the Site, even if advised of the possibility of such damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In no event shall ACI total liability to you for all damages, losses and causes of action, including, but not limited to, breach of contract, tort or negligence, exceed the amount paid by you, if any, for accessing this Site.

You agree to defend, indemnify and hold ACI and any affiliated companies and directors, offices, employees, agents and representatives of each harmless from and against any claims, actions, demands, liabilities, costs and expenses, including reasonable attorneys’ fees, resulting from, or alleged to result from, your violation of this Agreement, your submission to this Site, your use of any content on or accessible through this Site or your violation of any rights of another.

ACI reserves the right to make any and all changes to the Site at its sole discretion without notice to users. ACI reserves the right to deny access to the Site to anyone at any time, and to terminate this Agreement at any time without notice in its sole discretion.

This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in the Site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control.

This Agreement is governed by the laws of the State of Missouri, in the United States of America, without regard to conflicts of law provisions. You consent to the exclusive jurisdiction and venue of courts of Jackson County, Missouri, in the United States of America, in all disputes arising out of or relating to the use of the Site.

If any provision of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire Agreement between you and ACI with respect to the use of this Site. Your use of this Site also is subject to ACI Innovations Privacy and Security Policy. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved to ACI.

Effective Date: February 25, 2004

© 2009 American Century Investments. All rights reserved.