Terms of Use These are the Terms of Use for use of this website (the "Site"). The Site is operated by Morningstar, Inc. ("Morningstar"). Please read these Terms of Use carefully as any use of the Site is subject to them. If Morningstar ever changes the Terms of Use, Morningstar will post that information on this Terms of Use page. Copyright This Site is the property of Morningstar and is protected by copyright and intellectual property laws. All rights reserved. You may not reproduce, retransmit, disseminate, sell, publish, broadcast, or circulate the information without the express written consent of Morningstar. You are entitled to use the information for your private, non-commercial use only. You are permitted to print off pages from the Site to the extent reasonably necessary for your use of the Site in accordance with utilising the information for private, non-commercial purposes. Trademarks The Morningstar name and logo are the registered trademarks of Morningstar. Trademarks used in conjunction with Morningstar products or services are the property of Morningstar or its subsidiaries. Nature of Service Morningstar does not provide investment advice on this Site and does not purport to do so. Your Personal Data Morningstar's use of your personal data is governed by Morningstar's Privacy Policy, which forms an integral part of these Terms of Use. Read Morningstar Privacy Policy   Disclaimers The Site is created and maintained by Morningstar with the utmost care. However, Morningstar cannot guarantee the accuracy, completeness, timeliness, or correct sequencing of any of the information on this Site, including, but not limited to information originated by Morningstar, or gathered by Morningstar from publicly available sources. There may be delays, omissions, or inaccuracies in the information. You agree that Morningstar shall not have any liability contingent or otherwise for the accuracy, completeness, timeliness, or correct sequencing of the information and that Morningstar cannot be held liable (whether in contract, by tort, or otherwise) for any direct, special, indirect, incidental, punitive, exemplary, or consequential damages (including, without limitation, loss of time, revenues, profits, clients, data, etc.) for any decision made or action taken by you in reliance upon the information on this Site, or for interruption of any data, information, or any other aspect of this Site. Morningstar does not make any representations about the suitability of the information, software, products, or services contained in this Site. All such information, software, products, and services are provided "as is" without warranty of any kind. Product specifications and prices are subject to change without notice. Indemnification You agree to defend, indemnify, and hold harmless Morningstar, its officers, directors, shareholders, employees, independent contractors and agents, from and against any and all claims, actions or demands (including, without limitation, reasonable legal and accounting fees), resulting or allegedly resulting from a breach of any of the dispositions set forth in these Terms of Use. Links to Other Sites To provide you with a more complete resource for investment information and services, this Site contains links to certain other sites. Please note that you may be required to register with a site that links to this Site in order to take advantage of that site's services. The linked sites are not under the control of Morningstar and Morningstar is not responsible for the content of any linked site or any link contained in a linked site. We cannot be responsible for the terms of use of these sites; you should refer to these sites' terms of use for details. General and Governing Law In interpreting these Terms of Use it is not intended that the headings should be taken into account. If any provision of these Terms of Use is held to be unenforceable, then these Terms of Use shall be deemed amended by modifying such provision to the extent necessary to make it enforceable while preserving its intent or, if that is not possible, by substituting another provision that is enforceable and achieves substantially the same objective and economic result. These Terms of Use shall be governed and interpreted in accordance with the laws of New Zealand (for New Zealand users) and for all other users with the laws of the State of New South Wales and the Commonwealth of Australia. Any legal action or proceeding with respect to these Terms of Use or the Privacy Policy shall be brought before the competent courts New Zealand (for New Zealand users) and otherwise in New South Wales, Australia for all other users. Read Morningstar Privacy Policy