Legal

Gurtin Fixed Income Management, LLC dba Gurtin Municipal Bond Management is referred to in the notices that follow as "Gurtin" or "we" or "our."

A. Terms and Conditions

Please read these terms and conditions carefully before using this website. Your use of this website constitutes your acceptance of these terms and conditions. The information provided on our website may change from time to time. Changes will be posted to our website. You are bound by any such revisions. Therefore, we recommend that you review our notices, policies and Form ADV periodically for changes.

B. Copyright and Trademark Notices

Gurtin hereby grants you a limited, non-exclusive, non-transferable and revocable license to access and make personal use of this website. The information and materials provided on this website (together with all intellectual property and other rights relating thereto, collectively the "Materials") are and will remain the sole property of Gurtin. The Materials and the selection, compilation, collection, arrangement and assembly thereof are protected by U.S. and international copyright, trademark and other laws, and you acknowledge that these rights are valid and enforceable. Except as expressly permitted by these terms and conditions, you may not copy, reproduce, republish, upload, post, transmit or distribute Materials or other content or information available on or through this website in any way without our prior written permission. You may download or print out a single hard copy of individual pages and/or sections of the website and any Materials made available for download, provided that you do not remove any Trademarks (as defined below) or other proprietary notices. Any downloading or otherwise copying from the website will not transfer title to any Material to you. The Materials may be used solely to the extent necessary for your authorized use of this website. Modification of the Materials or use of the Materials for any other purpose is a violation of our copyright and other proprietary rights, and is strictly prohibited. The trademarks, logos, and service marks displayed on this website (collectively the "Trademarks") are the registered and unregistered trademarks of Gurtin. The Trademarks are solely owned by Gurtin, whether registered or unregistered, and may not be used in connection with any product or service that is not Gurtin's, or in any manner that is likely to cause confusion to the public or an actual or prospective customer, or in any manner that disparages Gurtin. Nothing contained on this website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark without our express written permission.

C. Limitations on Services

This website is provided as a public service and is for information and educational purposes only. Gurtin is registered with the U.S. Securities and Exchange Commission as an investment adviser. Gurtin provides investment advice and solicits investment advisory services in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Gurtin's website is operated from its offices within the United States. The information provided on our website is intended for residents of the United States. Investors outside of the United States are subject to the securities and tax laws and regulations within their applicable jurisdictions. The information on Gurtin's website is limited to dissemination of general information pertaining to our services. Accordingly, the information contained on this website does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws or regulations of such jurisdiction. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be suitable or profitable for a current or prospective client's investment portfolio. The information contained on Gurtin's website is not intended nor should it be construed as investment, tax, financial, accounting or legal advice. Investors should seek such professional advice for their particular circumstances.

D. Performance Information Disclaimer

Any performance information presented on this website is historical. Past performance does not guarantee nor is it indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Gurtin), or product made reference to directly or indirectly on our website, or indirectly via link to any unaffiliated third-party website, will be profitable or equal to corresponding indicated performance levels.

E. Prohibited Uses

Any use or attempted use of the website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) that could interfere with any other party's use and enjoyment of the website, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by Gurtin to be made accessible to a user by hacking or any other means, or (vi) to obtain or attempt to obtain any materials or information through any means not intentionally made available by Gurtin, or (vii) for any use other than the purpose for which it was intended, is prohibited. In addition, users and visitors of the website may not, without Gurtin's express prior written permission: • copy, reproduce, republish, upload, post, transmit, or distribute in any way Materials in any manner inconsistent with the purposes for which it is offered by Gurtin to its customers, prospective customers or members of the general public; • copy, modify, or display Gurtin’s name or logo, or any text, graphic images, or other Materials; • redeliver any of the pages, text, images, or other Materials using "framing" technology; • use devices (including software) that are designed to provide repeated automated access to the website other than those made generally available by Gurtin; • deep link or employ software or any automatic device, technology or algorithm, to "crawl", "scrape", search or monitor the website, provided that generally available third-party web browsers may be used without Gurtin's authorization; • include "Gurtin" or any other Gurtin trademark, the name of any Gurtin personnel, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create a false or misleading impression of affiliation, sponsorship, or endorsement between any user and/or site and Gurtin; • collect or store personal data about other users of the website; • upload, email or otherwise transmit to the website any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software or hardware of file communications equipment that is owned, leased or used Gurtin; • resell or provide commercial use of the website or the Materials, or create any derivative use of the website or the content therein; • make use of any data mining, robots, or similar data gathering and extraction tools; or • reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit for any commercial purpose the website. Gurtin reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including, without limitation, the suspension or termination of the user's access and/or account. Gurtin may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Gurtin reserves the right at all times to disclose any information as Gurtin deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Gurtin's sole discretion.

F. Disclaimer of Warranty

THIS WEBSITE, THE MATERIALS AND ANY PRODUCT OR SERVICE REFERENCED OR OBTAINED THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, GURTINDISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. GURTINDOES NOT WARRANT THAT YOUR USE OF THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, THE SERVER(S) ON WHICH THIS WEBSITE IS HOSTED IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS WEBSITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE OR STATEMENT OF GURTIN, WHETHER MADE ON THIS WEBSITE OR OTHERWISE, SHALL CREATE ANY WARRANTY. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT GURTIN SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR (I) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THIS WEBSITE, (II) ANY BUGS, VIRUSES, WORMS, TROJAN HORSES, DEFECTS, DATE BOMBS, TIME BOMBS OR OTHER ITEMS OF A DESTRUCTIVE NATURE WHICH MAY BE TRANSMITTED TO OR THROUGH THIS WEBSITE BY ANY THIRD PARTY, AND/OR (III) ANY ERRORS, MISTAKES, INACCURACIES OR OMISSIONS IN ANY MATERIALS, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY MATERIALS MADE AVAILABLE VIA THIS WEBSITE. A POSSIBILITY EXISTS THAT THIS WEBSITE OR THE MATERIALS COULD INCLUDE INACCURACIES OR ERRORS. ADDITIONALLY, A POSSIBILITY EXISTS THAT UNAUTHORIZED ALTERATIONS COULD BE MADE BY THIRD PARTIES TO THIS WEBSITE OR THE MATERIALS. ALTHOUGH WE ATTEMPT TO ENSURE THE INTEGRITY OF THIS WEBSITE, WE MAKE NO GUARANTEES AS TO THIS WEBSITE'S COMPLETENESS OR CORRECTNESS.

G. Limitation of Liability

YOU AGREE THAT NEITHER GURTIN NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, CONSULTANTS, AGENTS OR OTHER REPRESENTATIVES, ARE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS), UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THIS WEBSITE AND/OR MATERIALS CONTAINED ON THIS WEBSITE OR ANY PRODUCT OR SERVICE OBTAINED THROUGH THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS WEBSITE OR THE MATERIALS IS TO STOP USING THIS WEBSITE OR THE MATERIALS, AS APPLICABLE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO GURTIN FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THIS WEBSITE. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. As a condition of, and in exchange for, using the website, you agree to defend, indemnify and hold Gurtin and its directors, officers, employees, affiliates and agents harmless from and against any and all claims, actions, losses, liabilities, damages, costs and expenses (including but not limited to reasonable attorneys' fees) that may, at any time, arise out of or relate to your authorized, unauthorized, lawful or unlawful use of the website and/or the Materials, your breach of the Terms, as may be modified from time to time in Gurtin's sole discretion, your inability to access the website and/or any Materials, the use of any linked web sites, your reliance on any errors or omissions in the website and/or the Materials, or the propagation and/or contraction of any computer virus in connection with your use of the website and/or the Materials.

H. Indemnification

As a condition of, and in exchange for, using the website, you agree to defend, indemnify and hold Gurtin and its directors, officers, employees, affiliates and agents harmless from and against any and all claims, actions, losses, liabilities, damages, costs and expenses (including but not limited to reasonable attorneys' fees) that may, at any time, arise out of or relate to your authorized, unauthorized, lawful or unlawful use of the website and/or the Materials, your breach of the terms of this website, as may be modified from time to time in Gurtin's sole discretion, your inability to access the website and/or any Materials, the use of any linked web sites, your reliance on any errors or omissions in the website and/or the Materials, or the propagation and/or contraction of any computer virus in connection with your use of the website and/or the Materials.

I. Accounts, Passwords and Security

In order to access certain Materials on this website, you may be required to register for an online account. When making a request to open an online account, you must provide Gurtin with accurate, complete and true information as required. If you provide any information to Gurtin that is inaccurate, incomplete or untrue, Gurtin reserves the right to terminate your use of and access your online account and/or the Materials and pursue all other legal remedies that may be available to Gurtin. The information that you provide in order to request an online account will be protected in accordance with the terms of our Privacy Policy. Gurtin, shall have full discretion to determine whether or not to honor a request to open an online account. In addition, Gurtin may terminate any individual online account and/or the entire online account program at any time, without cause, and without prior notice. You are responsible for maintaining the confidentiality of your username and password and for restricting access to your online account. You agree to accept responsibility for all activities that occur under your account and/or password. In the event the confidentiality of your account or password are compromised in any manner, you agree to notify Gurtin immediately. Gurtin reserves the right to take any and all action, as it deems necessary or reasonable, to ensure the security of the website and your account. Notwithstanding the above, Gurtin may rely on the authority of anyone accessing your account or using your password. GURTIN WILL NOT BE LIABLE FOR ANY LOSS THAT YOU MAY INCUR AS A RESULT OF SOMEONE ELSE USING YOUR PASSWORD OR ACCOUNT, EITHER WITH OR WITHOUT YOUR KNOWLEDGE. HOWEVER, YOU COULD BE HELD LIABLE FOR LOSSES INCURRED BY GURTIN OR ANOTHER PARTY DUE TO SOMEONE ELSE USING YOUR ACCOUNT OR PASSWORD. YOU MAY NOT USE ANYONE ELSE'S ACCOUNT AT ANY TIME. Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from the website may not be secure or confidential. Gurtin makes no representation whatsoever concerning the security or confidentiality of your electronic communications and specifically makes no representation that any electronic communications transmitted to the website will be received by Gurtin. Communications to Gurtin, particularly those containing confidential information, may be sent by mail to: Gurtin Municipal Bond Management., 440 Stevens Ave., Ste. 260, San Diego, CA 92130. Any electronic communications you transmit to the website, including, but not limited to, data, questions, comments or suggestions, will be treated by Gurtin as nonconfidential and nonproprietary. Any such communications, including any ideas, concepts, know-how, or techniques contained therein, may be used by Gurtin for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. You hereby waive all rights to any claim against Gurtin for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights and rights of attribution in connection with electronic communications you transmit to the website.

J. General Terms

These terms and conditions are governed by, and will be interpreted in accordance with, the laws of the State of California, without regard to any conflict of law provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in San Diego County, California, regarding any and all disputes relating to these terms and conditions, your use of this website. If any part of these terms and conditions is determined to be invalid or unenforceable, it will not impact any other provision of these terms and conditions, all of which will remain in full force and effect. These terms and conditions constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Gurtin of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Neither the terms of this website, nor any content, materials or features of the website create any partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind Gurtin in any way.