Go to Top

Terms & Conditions

Please read carefully the following Terms and Conditions of Use (“Terms”) before using this website. By using this website, you agree to follow and be bound by the Terms. Thomas White International, Ltd. (“TWI” or “we” or “us) may periodically modify these Terms and any such modifications will be effective immediately upon posting. We suggest that you check these Terms periodically for changes. You acknowledge that by accessing our website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

If you do not agree to these terms, do not use this site.

No Offer

The information contained on the website is not an offer to sell or solicitation or offer to buy any security.

No Investment Recommendation or Professional Advice

The information provided on this website is for informational purposes only. This website is not intended to provide tax, legal, insurance or other investment advice. Unless otherwise specified, you are solely responsible for determining whether any investment, security or other product or service is appropriate for you based on your personal investment objectives and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. The information does not, in any way, constitute investment advice and should not be considered a recommendation to buy or sell any security discussed herein. It should not be assumed that any investment will be profitable or will equal the performance of any security mentioned herein. We may, from time to time, have a position or interest in, or may buy, sell or otherwise transact in, or with respect to, a particular security, issuer or market on our own behalf or on behalf of a client account, including the Funds.

In exchange for using this website, you agree to indemnify and hold harmless TWI, their officers, directors, employees, affiliates, agents, licensors and suppliers against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of this website, from your violation of these Terms or from any decisions that you make based on such information.

Limitation of Liability

We will not be liable to you or anyone else for any special or consequential damages that may result from the use of, or the inability to use, the materials on this website, even if we have been advised of the possibility of such damages or losses.

We will not be liable to you or anyone else for any loss resulting from a cause over which we do not have direct control. This includes failure of any electronic or mechanical equipment, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure (including telephone, cable and internet), unauthorized access, severe or extraordinary weather (including flood and other acts of God) labor problems, accident, emergency or action of government.

If you live in a jurisdiction that does not allow the limitation or exclusion of liability or incidental or consequential damages, or if you access the website solely through an arrangement with your employer or plan sponsor, some or all of these limitations and exclusions may not apply to you.

Copyright Policy

The content of this website, including text and graphics, software code, video, and user interface designs or logos, is protected by applicable copyright laws. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this website, including any text, graphics, video, audio, software code, user interface design or logos. You may download material displayed on this website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including all text, images, audio and video content, without prior written permission.

Linked Sites

Hyperlinks to other internet resources are provided for your convenience. We have selected these resources because we believe they may have some relevance and value and that you may find them informative, but their development and maintenance are not under our control. We are not responsible in any way for the content of these other resources, including their correctness, accuracy, timelessness, reliability or suitability. The inclusion of any link to a third-party website does not imply an endorsement by us of that website. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those other sites, and your use shall be at your own risk. We disclaim responsibility for the privacy policies and customer information practices of any third-party internet websites hyperlinked from our website.

Privacy Policy

Commitment to Consumer Privacy: We are committed to handling consumer (as such term is defined in Regulation S-P) information responsibly. We recognize and respect the privacy expectations of our consumers, and we believe that the confidentiality and security of consumers’ personal financial information is one of our fundamental responsibilities.

Collection of Consumer Information: We collect, retain and use consumer information only where we reasonably believe it would be useful to the consumer and allowed by law. Consumer information collected by us generally comes from the following sources: (i) information we receive on applications or other forms; and (ii) information about consumers transactions with us, our affiliates, or others.

Disclosure of Consumer Information: We may disclose all of the consumer information we collect to affiliated financial institutions and to third parties who are not our affiliates: (i) to perform marketing services on our behalf or pursuant to a joint marketing agreement between us and another party; and (ii) as otherwise permitted by law. We do not disclose any consumer information about our former customers (as such term is defined in Regulation S-P) to anyone except as permitted by law.

Security of Consumer Information: We are committed to, and also require our service providers to: (i) maintain policies and procedures designed to assure only appropriate access to, and use of information about our customers; and (ii) maintain physical, electronic and procedural safeguards that comply with federal standards to guard non-public personal information of our customers.

Warranty Disclaimers

Use of this website is provided on an “as is” basis. The materials on this website are provided without warranties of any kind whether express or implied, including without limitation, any implied warranties of title, merchantability and fitness for a particular purpose. We do not warrant that this website or the functions contained at this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. We do not warrant or make any representations as to the use of or the result of the use of the website or material available on the website in terms of correctness, timeliness, reliability, or otherwise. To the extent any jurisdiction does not allow the exclusion of certain warranties, some of the above exclusions may not apply to you.

Forward Looking Statements

Certain statements contained on our website are statements of future expectations and other forward looking statements that are based on our current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements. We do not undertake any obligation to correct or update forward looking statements contained on our website.

These Terms are currently in full force and effect and may be changed from time to time.