personal.vanguard.com Open in urlscan Pro
2.20.143.97  Public Scan

Submitted URL: https://www.vanguard.com/register
Effective URL: https://personal.vanguard.com/us/JSP/RegLogOn/Regis/RegActivityContent.jsf
Submission: On November 11 via api from US — Scanned from DE

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                  <b:xhtml><!--PPE:Content1--><a name="top" id="top" title="top" class="bookmark"></a>
                    <h1>Terms and Conditions of Use</h1>
                    <p>Welcome! Please carefully read the following Terms and Conditions of Use ("Terms of Use") before using this website ("Site"). By using this Site, you agree to follow and be bound by these Terms of Use, which govern your use of
                      the Site. Nothing contained in these Terms of Use is intended to modify or amend any other written agreement, if any, that may currently be in effect between you and Vanguard with regard to matters other than your use of the
                      Site. Vanguard may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting. We suggest that you periodically check these Terms of Use for modifications. If you do not agree
                      to these Terms of Use, do not use this Site.</p>
                    <p>This Site is owned and operated by The Vanguard Group, Inc., and all of its subsidiaries and affiliates, including Vanguard Brokerage Services and Vanguard Marketing Corporation (collectively, "Vanguard"). Vanguard may modify,
                      suspend, discontinue, or restrict the use and availability of any portion of this Site at any time, without notice or liability. Your use of this Site may be monitored by Vanguard and used for Vanguard's internal business
                      purposes, without liability.</p>
                    <h2>Index:</h2>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#license'); return false;">Limited license and restrictions on use</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#linking'); return false;">Linking conditions</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#RSS'); return false;">RSS and podcast feeds</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#your'); return false;">Your account</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#data'); return false;">Data, information, and content</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#notice'); return false;">Copyright policy, notice, and claim information</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#trademarks'); return false;">Trademarks and patents</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#international'); return false;">International use</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#third'); return false;">Third-party content</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#timeliness'); return false;">Timeliness of content</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#termination'); return false;">Termination</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#disclaimers'); return false;">Warranty disclaimers</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#indemnity'); return false;">Liability and indemnity</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#integration'); return false;">Integration and severability</a></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#applicable'); return false;">Applicable law and venue</a></p>
                    <h3 tabindex="-1"><a name="license" id="license" title="license" class="bookmark"></a>Limited license and restrictions on use</h3>
                    <p>Vanguard grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and noncommercial use or as
                      expressly authorized by Vanguard in writing. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. Vanguard reserves all rights not expressly granted in
                      these Terms of Use. Except as otherwise stated in these Terms of Use or as expressly authorized by Vanguard in writing, <b>you may not</b><b>:</b></p>
                    <ul>
                      <li>Modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast
                        feeds, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, "Materials");</li>
                      <li>Redeliver any page, text, image, or Materials on this Site using "framing" or other technology;</li>
                      <li>Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including
                        without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by Vanguard;</li>
                      <li>Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or
                        accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems,
                        networks, servers, or accounts related to this Site;</li>
                      <li>Modify, copy, obscure, remove, or display Vanguard's name, logo, trademarks, text, notices, or images without Vanguard's express written permission. To obtain such permission, you may e-mail us at
                        intellectualproperty@vanguard.com; or</li>
                      <li>Include the term "Vanguard," or any Vanguard trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation,
                        sponsorship, or endorsement by Vanguard.</li>
                    </ul>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="linking" id="linking" title="linking" class="bookmark"></a>Linking conditions</h3>
                    <p>You may not link to this Site unless you comply with these linking conditions ("Linking Conditions"). Vanguard grants you a limited, revocable, nonexclusive right to create a hyperlink to this Site ("Link"), provided you comply
                      at all times with the following conditions:</p>
                    <ul>
                      <li>The Link must resolve either to Vanguard's portal page at <a href="#" data-vg-handler="true" data-vg-click="jsCBDclosePopup(true,true,'https://personal.vanguard.com');return false;">www.vanguard.com</a>, or to the
                        appropriate one of Vanguard's homepages which are, <a href="http://investor.vanguard.com/">http://investor.vanguard.com</a> (for personal investors),
                        <a href="https://retirementplans.vanguard.com/">https://retirementplans.vanguard.com</a> (for retirement plan participants) <a href="http://institutional.vanguard.com/">http://institutional.vanguard.com</a> (for institutional
                        investors), and <a href="http://advisors.vanguard.com/">http://advisors.vanguard.com</a> (for financial advisors), unaltered in any way;</li>
                      <li>The text of the Link must read either "The Vanguard Group," "Vanguard," "Vanguard Group," "Vanguard.com," or "www.vanguard.com." You may not use any Vanguard logo or graphic, or any other Vanguard trademark, as part of the
                        Link without Vanguard's express written permission; and</li>
                      <li>The Link and surrounding context on the linking site must not: (a) falsely represent or misrepresent any relationship between the linking site and Vanguard, including suggestions of affiliation, endorsement, or sponsorship;
                        (b) portray Vanguard or its affiliates, or their products or services, in a false, misleading, derogatory, or otherwise offensive manner; or (c) deliver the Materials in a framed environment or alter the layout, content, look,
                        or feel of the Site.</li>
                    </ul>
                    <p>If you have created a Link that conforms to these Linking Conditions, then you also may include one or more Links to any internal or subsidiary page of this Site that is located one or several levels down from the homepages
                      (known as "deep links"), provided, however, that all such deep links must be in close physical proximity to the Link that conforms to the Linking Conditions. You may not maintain numerous or pervasive Links to this Site.</p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="RSS" id="RSS" title="RSS" class="bookmark"></a>RSS and podcast feeds</h3>
                    <p>Vanguard grants you a limited, revocable, nonexclusive right to view, store, bookmark, access, download, display, create hyperlinks to and use the Really Simple Syndication and podcast feeds (collectively, the "Feeds") offered
                      by Vanguard solely for your personal, informational and noncommercial use or as otherwise authorized by Vanguard in writing, provided you comply at all times with the following conditions:</p>
                    <ul>
                      <li>Except as otherwise stated in these Terms of Use, you may not modify, copy, redistribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell or exploit in
                        any manner whatsoever the Feeds or the reports, data, information, content, software, files, products, services or other materials supplied by Vanguard in connection therewith;</li>
                      <li>You may create a hyperlink to Vanguard's Feeds, provided that (a) the hyperlink is functional and resolves directly to the applicable Vanguard website page, unaltered and unframed in any way; and (b) you provide attribution
                        to the appropriate Vanguard website in connection with your use of the Feeds. If you provide this attribution in text, the hyperlink must read either "Vanguard.com" or
                        "<a href="https://www.vanguard.com./">www.vanguard.com</a>." If you provide this attribution with a graphic, you must use the graphic Vanguard has incorporated into the Feeds, without alteration. Your right to use the
                        above-referenced Vanguard graphic is limited to providing attribution to Vanguard in connection with the Feeds. You may not use any Vanguard logo or graphic, or any other Vanguard trademark, for any other purpose without
                        Vanguard's express written permission;</li>
                      <li>Any hyperlink to Vanguard's Feeds and the surrounding context on your site must not: (a) falsely represent or misrepresent any relationship between Vanguard and you or your site, products or services or any third party or
                        their site, products and services, including suggestions of affiliation, endorsement or sponsorship; (b) portray Vanguard or its affiliates, or their products or services, in a false, misleading, derogatory or otherwise
                        offensive manner; or (c) display the content of Vanguard's Feeds in a manner that does not permit successful linking to, redirection to or delivery of the applicable Vanguard website page; and</li>
                      <li>You may not incorporate advertising into or targeted towards the content of Vanguard's Feeds or insert any intermediate page, splash page or other content or materials between any hyperlink to Vanguard's Feeds and the
                        applicable Vanguard website page.</li>
                    </ul>
                    <p>Any uses of Vanguard's Feeds not granted herein are strictly prohibited. Vanguard retains ownership of and all other rights in and to the Feeds, and any reports, data, information, content, software, files, products, services,
                      links, trademarks, logos or other materials used in connection therewith. Vanguard reserves the right, in its sole discretion, with or without cause, and without liability, to suspend, discontinue or modify any or all of its
                      Feeds at any time and to immediately require you to cease accessing, displaying, or otherwise using any or all of the Feeds or the content of the Feeds.
                      <b>Vanguard will not be liable for any loss or damage arising from your use of or in connection with the Feeds.</b></p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="chat" id="chat" title="chat" class="bookmark"></a><a name="your" id="your" title="your" class="bookmark"></a>Your account</h3>
                    <p>Certain parts of this Site may be protected by passwords or require a login. Further, for authentication purposes, certain features on this Site may require you to answer a designated security question. You agree to provide
                      Vanguard with current, complete, and accurate information as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or
                      attempt to obtain unauthorized access to such parts of or features on this Site, or to any other protected Materials or information, through any means not intentionally made available to you by Vanguard.</p>
                    <p>You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords, and security questions and answers that you use to access any page or feature on this Site, and for logging off
                      of your account and any protected areas of the Site. Further, you are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your
                      negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If you become aware of any suspicious or unauthorized conduct concerning your accounts, user names, logins, passwords, or
                      security questions and answers, you agree to contact Vanguard immediately. Vanguard will not be liable for any loss or damage arising from your failure to comply with this paragraph.</p>
                    <p>Products and services provided to you through this Site may involve the electronic transmission, including via any e-mail address you provide to us, of information that you may consider to be personal financial information or
                      promotional and marketing materials, and you consent to such transmission.</p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="data" id="data" title="data" class="bookmark"></a>Data, information, and content</h3>
                    <p>The Materials on this Site are for information, education, and noncommercial purposes only. Although Vanguard may provide data, information, and content relating to investment approaches and opportunities to buy or sell
                      securities and/or mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks
                      associated with the use of any Materials on this Site before making any decisions based on such Materials. In exchange for using such Materials, you agree not to hold Vanguard or its third-party information providers liable for
                      any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other websites, neither Vanguard nor any of its affiliates is recommending
                      the purchase or sale of the stock issued by any company, nor are they endorsing services provided by any website's sponsoring organization.</p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="notice" id="notice" title="notice" class="bookmark"></a>Copyright policy, notice, and claim information</h3>
                    <p>All Materials on this Site, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as
                      well as all copyright, patent, trademark, trade dress, and other rights therein, are owned or licensed by Vanguard and its third-party information providers, and are protected by United States and international intellectual
                      property laws.</p>
                    <p>Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Vanguard designates an agent as described below to receive notifications of claimed copyright infringement by
                      mail: Robyn Y. Ettricks, Esquire, Associate Counsel, The Vanguard Group, Inc., P.O. Box 2600, V-16, Valley Forge, PA 19482-2600.</p>
                    <p>The designated copyright agent can also be reached by telephone at (610) 669-6100, by fax at (610) 669-6600, and by e-mail at intellectualproperty@vanguard.com.</p>
                    <p>If you have any other customer service questions or would like an alternative method of reaching us, please click <a href="https://investor.vanguard.com/about/contact-us">Contact us</a> at the top of any webpage.</p>
                    <p><a href="#" data-vg-handler="true" data-vg-click="jsCBDgoToUrl('#top'); return false;">Return to top</a></p>
                    <h3 tabindex="-1"><a name="trademarks" id="trademarks" title="trademarks" class="bookmark"></a>Trademarks and patents</h3>
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TERMS AND CONDITIONS OF USE

Welcome! Please carefully read the following Terms and Conditions of Use ("Terms
of Use") before using this website ("Site"). By using this Site, you agree to
follow and be bound by these Terms of Use, which govern your use of the Site.
Nothing contained in these Terms of Use is intended to modify or amend any other
written agreement, if any, that may currently be in effect between you and
Vanguard with regard to matters other than your use of the Site. Vanguard may
periodically modify these Terms of Use, and any such modifications will be
effective immediately upon posting. We suggest that you periodically check these
Terms of Use for modifications. If you do not agree to these Terms of Use, do
not use this Site.

This Site is owned and operated by The Vanguard Group, Inc., and all of its
subsidiaries and affiliates, including Vanguard Brokerage Services and Vanguard
Marketing Corporation (collectively, "Vanguard"). Vanguard may modify, suspend,
discontinue, or restrict the use and availability of any portion of this Site at
any time, without notice or liability. Your use of this Site may be monitored by
Vanguard and used for Vanguard's internal business purposes, without liability.


INDEX:

Limited license and restrictions on use

Linking conditions

RSS and podcast feeds

Your account

Data, information, and content

Copyright policy, notice, and claim information

Trademarks and patents

International use

Third-party content

Timeliness of content

Termination

Warranty disclaimers

Liability and indemnity

Integration and severability

Applicable law and venue


LIMITED LICENSE AND RESTRICTIONS ON USE

Vanguard grants you a limited, revocable, nonexclusive, nontransferable license
to view, store, bookmark, download, and print the pages within this Site solely
for your personal, informational, and noncommercial use or as expressly
authorized by Vanguard in writing. You are responsible for obtaining and
maintaining all equipment, services, and other materials that you need to access
this Site. Vanguard reserves all rights not expressly granted in these Terms of
Use. Except as otherwise stated in these Terms of Use or as expressly authorized
by Vanguard in writing, you may not:

 * Modify, copy, distribute, transmit, post, display, perform, reproduce,
   publish, broadcast, license, create derivative works from, transfer, sell, or
   exploit any reports, data, information, content, software, RSS and podcast
   feeds, products, services, or other materials on, generated by or obtained
   from this Site, whether through links or otherwise (collectively,
   "Materials");
 * Redeliver any page, text, image, or Materials on this Site using "framing" or
   other technology;
 * Engage in any conduct that could damage, disable, or overburden (i) this
   Site, (ii) any Materials or services provided through this Site, or (iii) any
   systems, networks, servers, or accounts related to this Site, including
   without limitation, using devices or software that provide repeated automated
   access to this Site, other than those made generally available by Vanguard;
 * Probe, scan, or test the vulnerability of any Materials, services, systems,
   networks, servers, or accounts related to this Site or attempt to gain
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Any uses of Vanguard's Feeds not granted herein are strictly prohibited.
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Products and services provided to you through this Site may involve the
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DATA, INFORMATION, AND CONTENT

The Materials on this Site are for information, education, and noncommercial
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stock issued by any company, nor are they endorsing services provided by any
website's sponsoring organization.

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COPYRIGHT POLICY, NOTICE, AND CLAIM INFORMATION

All Materials on this Site, whether separate or compiled, including, but not
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Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through
the Digital Millennium Copyright Act, Vanguard designates an agent as described
below to receive notifications of claimed copyright infringement by mail: Robyn
Y. Ettricks, Esquire, Associate Counsel, The Vanguard Group, Inc., P.O. Box
2600, V-16, Valley Forge, PA 19482-2600.

The designated copyright agent can also be reached by telephone at (610)
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If you have any other customer service questions or would like an alternative
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TRADEMARKS AND PATENTS

All trademarks, service marks, and logos appearing on this Site are the
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All Vanguard graphics, logos, page headers, and service names are trademarks,
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Nothing contained on this Site should be construed as granting any license or
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The Vanguard ETFs are not sponsored, endorsed, sold, or promoted by Barclays.
Barclays does not make any representation regarding the advisability of
investing in Vanguard ETFs or the advisability of investing in securities
generally. Barclays' only relationship with Vanguard is the licensing of the
Index, which is determined, composed, and calculated by Barclays without regard
to Vanguard or the Vanguard ETFs. Barclays has no obligation to take the needs
of Vanguard or the owners of the Vanguard ETFs into consideration in
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liability in connection with administration, marketing, or trading of the
Vanguard ETFs.

Vanguard funds are not sponsored, endorsed, sold, or promoted by the University
of Chicago or its Center for Research in Security Prices, and neither the
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representation regarding the advisability of investing in the funds.

Morningstar data: © 2013 Morningstar, Inc. All rights reserved. The information
contained herein: (1) is proprietary to Morningstar and/or its content
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are responsible for any damages or losses arising from any use of this
information.  Past performance is no guarantee of future results.

The funds or securities referred to herein that are offered by The Vanguard
Group and track an MSCI index are not sponsored, endorsed, or promoted by MSCI,
and MSCI bears no liability with respect to any such funds or securities. For
such funds or securities, the prospectus or the Statement of Additional
Information contains a more detailed description of the limited relationship
MSCI has with The Vanguard Group, Inc.

Android is a trademark of Google Inc.

Apple, the Apple logo, iPad, iPhone, and iPod touch are trademarks of Apple
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CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

Dividend Achievers is a trademark of The NASDAQ OMX Group, Inc. (collectively,
with its affiliates, "NASDAQ OMX") and has been licensed for use by The Vanguard
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The Dow Jones indexes (the "Indexes") are products of Dow Jones Indexes,
licensed trademarks of CME Group Index Services LLC (“CME"), and have been
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endorsed, sold, or promoted by Dow Jones, CME, or their respective affiliates
and Dow Jones, CME, and their respective affiliates make no representation
regarding the advisability of investing in such product(s).

Financial Engines, Financial Engines Investment Advisor, Advice Server, and
AdviceLight are trademarks of Financial Engines, Inc. Financial Engines Advisors
LLC, a federally registered investment advisor and wholly owned subsidiary of
Financial Engines, Inc., provides all advisory services.

All rights in a FTSE index (the "Index") vest in FTSE International Limited
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developed solely by Vanguard. The Index is calculated by FTSE or its agent. FTSE
and its licensors are not connected to and do not sponsor, advise, recommend,
endorse, promote the Product and do not accept any liability whatsoever to any
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Product or the suitability of the Index for the purpose to which it is being put
by Vanguard.

Reader's Digest and the Pegasus logo are registered trademarks of The Reader's
Digest Association, Inc. Used under license.

The Russell Indexes and Russell® are registered trademarks of Russell
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products are not sponsored, endorsed, sold, or promoted by Russell Investments
and Russell Investments makes no representation regarding the advisability of
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S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial
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none of S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective
affiliates, and none of the S&P Dow Jones Indices LLC, Dow Jones, S&P nor their
respective affiliates makes any representation regarding the advisability of
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SEDOL Data has been provided from the London Stock Exchange's SEDOL Masterfile®.
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TurboTax and TurboTax Online are trademarks and service marks of Intuit Inc.,
registered in the United States and other countries.

Upromise, the Upromise logo, and Ugift are registered service marks of Upromise,
Inc.

Vanguard Annuity Access is offered in collaboration with Hueler Investment
Services, Inc. through the Income Solutions platform. Income Solutions is a
registered trademark of Hueler Investment Services, Inc. and used under license.
United States Patent No. 7,653,560.

Visa and Plus are trademarks of Visa International Service Association.

“Wilshire 4500" and "Wilshire 5000" are trademarks and “Wilshire” is a service
mark of Wilshire Associates Incorporated and they have been licensed for use by
The Vanguard Group, Inc. ("Vanguard").  The Vanguard funds and/or ETFs (the
"Products") are not sponsored, endorsed, sold or promoted by Wilshire Associates
Incorporated or any of its subsidiaries or affiliates, and they make no
representation regarding the advisability of investing in the Products.

Automated Form and Signature Capture Technology Licensed under Comfidex U.S.
Patent Nos. 6,189,009 and 6,725,220.

Vanguard Exchange-Traded Funds ("Vanguard ETFs®") are produced by U.S. Patent
No. 6,879,964; 7,337,138; 7,720,749; 7,925,573; 8,090,646; and 8,417,623.

Vanguard Auto-Rebalancing methodology is protected by U.S. Patent Nos. 7,149,713
and 7,552,079.

Vanguard Bond ETF Dividend Declaration model is protected by U.S. Patent Nos.
7,792,725 and 8,175,944.

Vanguard Personal QDI Calculation Process are protected by U.S. Patent
Application No. 7,953,661.

Vanguard Managed Allocation Funds are protected by U.S. Patent Nos. 8,180,695
and 8,185,464.

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INTERNATIONAL USE

Because of the global nature of the Internet, you agree to comply with all local
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Each investment product and service referred to on this Site is intended to be
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Persons residing outside the United States are invited to visit Vanguard's
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THIRD-PARTY CONTENT

Data and other materials appearing on this Site that are provided by third
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TIMELINESS OF CONTENT

All content on this Site is presented only as of the date published or
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TERMINATION

The rights granted to you herein terminate immediately upon any violation by you
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WARRANTY DISCLAIMERS

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE
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SERVICES AVAILABLE ON OR THROUGH THE SITE; (III) USE OF THE SITE, MATERIALS,
PRODUCTS, OR SERVICES; AND (IV) THE RESULTS OF THE USE OF THE SITE, MATERIALS,
PRODUCTS, OR SERVICES.

FURTHER, VANGUARD AND ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS,
EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND
VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS
IN THE TRANSMISSION OR DELIVERY OF ANY MATERIALS, PRODUCTS, OR SERVICES
AVAILABLE THROUGH THIS SITE.

EXCEPT AS PROVIDED BY LAW, NEITHER VANGUARD NOR ITS THIRD-PARTY INFORMATION
PROVIDERS AND VENDORS HAS ANY RESPONSIBILITY TO MAINTAIN THE MATERIALS,
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TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN
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LIABILITY AND INDEMNITY

ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT
YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM
OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.

NEITHER VANGUARD NOR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS,
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INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS
FAILURE, OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE
GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS
OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO
THIS SITE, EVEN IF VANGUARD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
SOME JURSIDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR
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YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR
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ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE EXTENT
PERMITTED BY LAW IN SUCH JURISDICTIONS.

You agree to indemnify, defend, and hold harmless Vanguard, its subsidiaries and
affiliates, and each of its and their officers, directors, employees, and
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improper access to or use of this Site, or any violation by you of these Terms
of Use.

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INTEGRATION AND SEVERABILITY

If any provision of these Terms of Use is deemed unlawful, void, or
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Use and will not affect the validity and enforceability of the remaining
provisions. These Terms of Use represent the entire agreement between you and
Vanguard relating to the subject matter herein.

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APPLICABLE LAW AND VENUE

The laws of the Commonwealth of Pennsylvania, United States of America, without
regard to principles of conflict of laws, govern these Terms of Use and any
dispute that might arise between you and Vanguard. If you take legal action
relating to these Terms of Use, you agree to file such action either in the
Court of Common Pleas of Chester County, Pennsylvania, or the United States
District Court for the Eastern District of Pennsylvania and in no other venue,
and you consent and submit to the personal jurisdiction of those courts for the
purposes of litigating any such action.

Revised 10/28/2013.

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