Terms of Use

LAST UPDATED: NOVEMBER 4, 2024

This website is owned, operated and provided to you by Qualico or one of its related companies
and is subject to the terms and conditions described herein and all applicable laws and
regulations. By accessing or using the websites, you agree to be legally bound by the terms and
conditions set forth in this policy. The following terms and conditions govern the relationship
between you, Qualico and its subsidiaries. By using this website you are agreeing to comply
with and be legally bound by the terms and conditions set out in these Terms of Use and our
privacy policy. If these Terms of Use are not acceptable to you, please do not use this website.
We may update these Terms of Use from time to time and you are responsible for periodically
reviewing the most current version. Your continued use of this website will be deemed your
conclusive acceptance of the updated Terms of Use. Please review it carefully. If you do not
agree to the terms of use, please do not use the websites.

Rights granted and restrictions on use

Qualico grants to you a limited non-exclusive, non-transferable licence to view, copy and print
the material on this website (other than the design or layout of this website) for your non-
commercial or personal use only. All copies that you make must retain all copyright and other
notices that are on this website. Except as provided in the previous sentence, you may not use,
distribute, sell, modify, transmit, revise, reverse engineer, republish, post or create derivative
works (where applicable) of the trademarks, trade names, logos, information, software or
other material or content in these Terms of Use (referred to collectively hereinafter as the
“content”), of this website without Qualico’s prior written permission. You acknowledge and
agree that this website and its content are the property of Qualico, its affiliates or their
respective service providers, suppliers or licensors and you will not acquire any rights or
licences in any trademarks, patents, copyright or other intellectual property protected by
copyright, both individually and as a collective work or compilation and by trademark law,
patent law and any other applicable laws.

Qualico holds the copyright on this website and its related websites. All rights reserved.
Contents may not be reproduced in any form, stored electronically or forwarded or
transmitted electronically without Qualico’s prior written permission. Contents of this website
are subject to the laws of copyright, trademark, and right of publicity and right of privacy.
Qualico reserves the right to terminate subscriptions without compensation upon the
presentation of evidence that its copyright has been violated.

The trademarks, logos and service marks (collectively hereinafter referred to as “Trademarks”)
displayed on this website are registered and unregistered Trademarks of Qualico and no
trademark licence either express or implied is granted by Qualico. You do not have any right to
use the trademarks displayed on this website without prior written permission of Qualico.
Qualico makes no guarantees or warranties as to the accuracy or completeness of results to
be obtained from accessing and using the information provided on the websites. Qualico
negates all other warranties, including without limitation, implied warranties or conditions of
merchantability, or fitness for a particular purpose. Neither Qualico nor its affiliates shall be
liable to any user or anyone else for any inaccuracy, error or omission, or technical inaccuracies
regardless of cause for any damages resulting therefrom.

Limit of liability

In no event shall Qualico or its suppliers be liable for any damages arising out of the use or
inability to use the materials on Qualico’s websites.

Your authority to use this website

By using this website, you are representing to us that you have the power and authority to accept
these Terms of Use and to enter into this agreement with us, that you are capable of assuming,
and do assume, any risks related to the use of this website and its content, and that you
understand and accept the terms, conditions and risks relating to their use. If you are dissatisfied
with this website or its content, your sole and exclusive remedy is to stop using it.

Disclaimers

The content on this site is for informational purposes only. Qualico and each of its affiliates,
licensors, service providers and suppliers assume no liability for any inaccurate, delayed or
incomplete information, nor for any actions taken in reliance thereon. The information contained
on this website provided by any third party, including without limitation, the information
obtained through any link, has been supplied without verification by us. Neither Qualico nor any
of its affiliates, licensors, service providers or suppliers makes or has made any recommendations
regarding the securities or investment services of any person or entity with respect to the content
of this website, or of the advisability of investing in securities generally for any particular
individual.

This website could include technical or other inaccuracies or typographical errors and it is
provided to you on an “as is” basis without warranties or representations of any kind. Qualico,
its affiliates, licensors, service providers and suppliers make no representation and disclaim all
express and implied warranties and conditions of any kind, including without limitation,
representations, warranties or conditions regarding accuracy, timeliness, completeness, non-
infringement, satisfactory quality, merchantability, merchantable quality or fitness for any
particular purpose or those arising by law, statute, usage of trade, or course of dealing. Qualico,
its affiliates, licensors, service providers and suppliers assume no responsibility to you or any
third party for the consequences of any errors or omissions. Qualico reserves the right, in its sole
discretion, to correct any errors or omissions in any portion of this website. Qualico may make
any other changes to this website at any time without notice.

No damages

Qualico, its affiliates and their respective directors, officers, employees, or agents shall not, under
any circumstances, be liable for any direct, consequential, incidental, indirect or special damages,
of any kind, or any other damages whatsoever, including without limitation: (i) those arising from
any decision made or action taken by you in reliance upon the content of; or (ii) those resulting
from loss of use, data or profits, whether resulting from the use of or inability to use any content
on this website (or a website linked to this website), or any other cause; and even if caused by
Qualico or its affiliate’s or either of their respective licensors’, service providers’ or suppliers’
negligence, and even if any of them has been apprised of the likelihood of such damages
occurring.

The above limitations and exclusions shall apply to you to the fullest extent that applicable law
permits, in all actions of any kind, whether based on contract, tort (including, without limitation,
negligence) or any other legal or equitable theory. Any clause declared invalid shall be deemed
severable and not affect the validity or enforceability of the remainder of these terms of use.

Changes to Terms of Use

Qualico reserves the right to revise these Terms of Use at any time without notice to you. You
are bound by such revisions so we encourage you to visit this page frequently to stay informed.

Violations of Terms of Use

Qualico reserves the right to seek all remedies available at law and in equity for violations of
these Terms of Use, including the right to block access from a particular Internet address to our
site.

Other countries

This website can be accessed from countries around the world other than the United States or
Canada and may contain references to Qualico products, services, and programs that have not
been announced in your country. These references do not imply that Qualico intends to
announce such products, services or programs in your country. Qualico makes no representation
that the content on this website is appropriate or available for use in other locations, and
accessing this website from territories where its content is illegal is prohibited. Those who choose
to access this website from other locations do so on their own initiative and their own risk and
are responsible for compliance with local laws.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM AND
AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS IN THESE TERMS OF USE. BY
USING THIS WEBSITE, YOU WILL BE ENTERING INTO A LEGALLY BINDING CONTRACT EVEN IF
YOU HAVE NOT READ THESE TERMS OF USE.