This Site is provided by Franklin Templeton, which may modify, suspend, discontinue or restrict the use and availability of all or any portion of this Site at any time, without notice or liability. Your use of this Site may be monitored by Franklin Templeton for any purpose, without liability.
These Terms were last amended as of: January 20th, 2016.
This Site is provided as a service and for informational purposes only, by Franklin Templeton (collectively, "Franklin Templeton" or "we" or "us"). It is not provided by the Franklin Templeton investment companies.
Franklin Resources, Inc. [NYSE: BEN] is a global investment organization operating as Franklin Templeton. Through various Franklin Templeton entities, Franklin Templeton provides global and U.S. investment, shareholder and distribution services to the Franklin, Templeton and Franklin Mutual Series Funds ("Funds") and institutional accounts, as well as separate account management services.
This Site is intended to deliver interactive learning for financial advisors and industry professionals through live and virtual classrooms, videos and other web based modules, all accessible via a global multi-lingual portal. Site Content may refer to products or services that may not be available in your country. Consult your local Franklin Templeton office for more information. You should not construe anything on the Site as a promotion or solicitation for any product or for the use of any product that is not authorized by the laws and regulations of the country in which you are located.
Access to the Site and the Site Content may not be legal by certain persons or in certain countries, and you access the Site at your own initiative and risk. Franklin Templeton makes no representation that the Site Content or the Site is appropriate or available for use in your country and access to the Site from countries where the Site contents are illegal, is prohibited.
Because of the global nature of the Internet, you agree to comply with all local rules with respect to your 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, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud and privacy. 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.
Grant, Authorized Use and Means of Access
Authorized Users and Your Representations. By registering with the Site, or otherwise accessing the Site pursuant to any access form, or any generic or firm-wide authorization we may grant you from time to time, you represent and agree that: (i) you are an authorized representative of a broker/dealer, bank or other financial services firm which has entered into a valid selling or distribution agreement with Franklin Templeton (the "Firm"); (ii) the Firm has authorized you to access and use the Site; and (iii) you are authorized by the Firm to agree to this Agreement and use the Site.
The Site is available only to Authorized Users and solely for the purpose of distributing, including servicing, Franklin Templeton products or services as authorized under such Selling or Distribution Agreement ("Distribution Services "). The Site is not accessible to the public and shall not be distributed to any individual other than an Authorized User. The Site has not been filed with FINRA and generally does not contain the same disclosures required for public or shareholder communications.
As a reminder, under the selling or distribution agreement, regardless of the medium used, you are responsible for ensuring that the distribution services are conducted in compliance with all applicable securities laws and regulations, including those applicable to the paper or electronic delivery of fund prospectuses and shareholder reports or Section 529 college savings plan disclosure documents. In addition, pursuant to the selling or distribution agreement, any of your websites or other marketing information that mentions Franklin Templeton or our products or services or Section 529 college savings plans distributed by us must be sent to us for our approval (unless we furnished the material).
Your Online Account Access. Access to the Site requires account registration and password protection. You are solely responsible for maintaining the confidentiality of your account and password information and for restricting access to your computer. You may not share your account access and password information with other users. You agree to accept responsibility for all activities occurring under your account or password that are due to your conduct, inaction, or negligence. Notify us immediately if you become aware of any disclosure, loss, theft or unauthorized use of your password.
If you receive access to the Site by invitation, you may not distribute links to the Site without the express, prior written permission of Franklin Templeton.
The Site is generally intended to be viewed by a conventional web browser with a screen resolution of 1024 by 768 pixels or greater. Although you may use other means to access the Site, be aware that the Site may not appear accurately through other access methods, and you use them only at your own risk. You are responsible for setting the cache settings on your browser to ensure that you are receiving the most recent data. You should not access the Site through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved by Franklin Templeton in writing.
Because all servers have limited capacity and are used by many people, you may not use the Site in any manner that could damage or overburden any hosting server or network. You may not use the Site in any manner that would interfere with any other party's use of the Site.
You also may not probe, scan, test the vulnerability or attempt to gain unauthorized access to Site, Site Content or services, systems, networks or servers connected or associated with this Site through hacking, data mining, or any other means.
Content and Site Vulnerability
No investment recommendations or professional advice; use of tools. This Site is for your information and educational purposes only and is not intended to provide any tax, legal, insurance or investment advice, and nothing on the Site should be construed as a recommendation, by us or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. If there are certain tools available on the Site that provide general investment or financial analyses based upon your personalized input, such results are not to be construed as our providing investment recommendations or advice. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.
As with all web sites, this Site may be vulnerable to hacking, viruses, worms or other malware that may interfere with your use and access to the Site or otherwise alter the Site Content, including but not limited to making false investment recommendations. Such malware may also harm your computer and software used to access the Site. It is your responsibility to ensure you are using the most up-to-date virus protection software to protect your computer from malware.
To the extent allowed by law, use of the Site and the Site Content is at your own risk and you agree not to hold Franklin Templeton or any of its third party content providers liable for any loss, damage or other possible claims arising from any action or decision you make in connection with the Site or Site Content.
Trademarks, Copyright Policy, Notice and Claim Information
All trademarks, service marks and logos appearing on this Site are the exclusive property of Franklin Templeton or their respective owners. Nothing contained on this Site should be construed as granting any license or right to use any trademarks (see Franklin Templeton Trademarks List), service marks or trade dress of Franklin Templeton or any third party.
All Site Content is owned or licensed by Franklin Templeton and its third party information providers, and are protected by United States and international intellectual property laws. Franklin Templeton reserves the right to remove any content that may infringe third party intellectual property rights.
If you believe any content on this Site infringes your copyrights, please submit the following to Franklin Templeton:
In accordance with the Digital Millennium Copyright Act, Franklin Templeton designates as its agent to receive notifications of claimed copyright infringement as follows:
J. Matthew Gowdy, Esq.
Senior Corporate Counsel
One Franklin Parkway, San Mateo, CA 94403-1906.
Tel: (650) 312-2000
Fax: (650) 525-7141
Third Party Content
Some of the content, including any advertisements, tools, and information, including but not limited to stock quotes available through the Site may be provided by companies that are not affiliated with Franklin Templeton ("Third Party Content") and their source is clearly identified. In some cases, the Third Party Content may be available through a link to a third party site. This Site's access to third party content or other websites should not be construed as an endorsement of the third party content or websites or as a recommendation by Franklin Templeton or any of its affiliates to buy or sell any security issued by any third party.
While Franklin Templeton will generally only provide such information from, or links to, sources considered reliable, Franklin Templeton has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content and neither Franklin Templeton nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Franklin Templeton and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. FRANKLIN TEMPLETON IS NOT RESPONSIBLE FOR ANY THIRD PARTY CONTENT AND LINKS THERETO AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
DISCLAIMER OF WARRANTIES
YOU ACKNOWLEDGE AND AGREE THAT THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NONE OF FRANKLIN TEMPLETON, ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS OR AGENTS (COLLECTIVELY, THE "FRANKLIN TEMPLETON PARTIES") GUARANTEES THE TIMELINESS, ACCURACY, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE SITE. NONE OF THE FRANKLIN TEMPLETON PARTIES WARRANT THAT THIS SITE OR DOWNLOADS WILL MEET YOUR NEEDS OR EXPECTATIONS, OR BE UNINTERRUPTED, SECURE OR ERROR FREE OR THAT THIS SITE, ITS SERVER OR ANY FILES AVAILABLE FOR DOWNLOADING THROUGH THIS SITE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. THE FRANKLIN TEMPLETON PARTIES HAVE NO RESPONSIBILITY FOR VIRUSES OR ANY OTHER DAMAGE THAT MAY BE CAUSED TO YOU AS A RESULT OF USING THIS SITE. PERIODS OF VOLATILE OR UNUSUAL MARKET ACTIVITY, IN PARTICULAR, MAY AFFECT SYSTEMS AVAILABILITY OR RESPONSE TIME.
YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THIS SITE AND THE TIMELINESS, USEFULNESS, ACCURACY OR COMPLETENESS OF THE SITE IS ASSUMED SOLELY BY YOU. ALL OF THE FRANKLIN TEMPLETON PARTIES HEREBY SPECIFICALLY DISCLAIM ANY REPRESENTATIONS, ENDORSEMENTS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THIS SITE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ALL OF THE FRANKLIN TEMPLETON PARTIES DISCLAIM ANY WARRANTIES WITH RESPECT TO ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE.
You agree that you are responsible for the means you use to access the Site and understand that your hardware, software, the Internet, your Internet Service Provider, and other third parties involved in connecting you to our Site may not perform as intended or desired.
Franklin Templeton also disclaims responsibility for damages third parties may cause to you through the use of this Site, whether intentional or unintentional. For example, you understand that hackers could breach our security procedures, and that Franklin Templeton will not be responsible for any related damages.
Reasonable precautions have been taken to ensure that Site Content is accurate, however, we do not warrant that the Site Content is accurate, complete or timely. Site Content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons. Franklin Templeton has no duty to update this Site or any Site Content. WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM ANY ACTIONS, INACTION OR INVESTMENT DECISIONS TAKEN BY YOU BASED ON THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE DATA OR INFORMATION PRESENTED THROUGH THIS SITE.
Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 and involve risks and uncertainties. General business, market, economic and political conditions could cause actual results to differ materially from what we presently anticipate or project.
We discourage you from using e-mail for sending confidential or sensitive information. If you send e-mail (encrypted or not) to us over the Internet, you are accepting the associated risks of lack of confidentiality.
Limitation of Liability
YOUR SOLE REMEDY FOR DISSATISFACTION WITH YOUR USE OF OUR SITE IS TO STOP USING THE SITE. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL THE FRANKLIN TEMPLETON PARTIES BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES (COLLECTIVELY, THE "EXCLUDED DAMAGES"), ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO: LOSS OF REVENUE, TRADING LOSSES, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; ANY FAILURE OF PERFORMANCE, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DEFECT, OPERATOR ERRORS, INCONVENIENCE OR DELAY IN OPERATION OR TRANSMISSION OR COMPUTER VIRUS; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET); SEVERE OR EXTRADODINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD); FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT; OR THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OR USE OF YOUR INFORMATION, EQUIPMENT OR PROPERTY, EVEN IF THE FRANKLIN TEMPLETON PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE EXCLUDED DAMAGES. FURTHER, THE FRANKLIN TEMPLETON PARTIES WILL NOT BE RESPONSIBLE FOR ANY FAILURE TO COMPLY, BY YOU OR ANY THIRD PARTY, WITH THESE TERMS OR WITH APPLICABLE FEDERAL, STATE AND LOCAL LAWS.
THESE LIMITATIONS OF LIABILITY WILL APPLY REGARDLESS OF: (I) ANY NEGLIGENCE OR GROSS NEGLIGENCE OF ANY FRANKLIN TEMPLETON PARTY OR (II) WHETHER THE LIABILITY SOUNDS IN NEGLIGENCE, STRICT LIABILITY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LEGAL LIABILITY; AND WILL REMAIN IN EFFECT EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY OR EXCLUSION OF WARRANTIES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN THOSE JURISDICTIONS, THE FRANKLIN TEMPLETON PARTIES' LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE FRANKLIN TEMPLETON PARTIES' AGGREGATE LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100).
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