Terms of Use

Last Updated: January 28, 2025

1. Acceptance of Terms

By accessing and using CollateralizedLoanObligations.com ("the Site"), you accept and agree to be bound by these Terms of Use. If you do not agree, do not use the Site.

2. Educational Purpose Only

This Site provides educational content only and does not constitute investment, legal, tax, or financial advice. All content is for informational purposes and should not be relied upon as the sole basis for investment decisions.

Specifically:

• We do not recommend specific securities, managers, or investment strategies
• We are not registered investment advisors, broker-dealers, or financial planners
• Historical performance data does not guarantee future results
• All investments involve risk, including potential loss of principal

3. No Warranties

The Site and all content are provided "as is" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or timeliness of information
• Fitness for a particular purpose
• Non-infringement of third-party rights

While we strive for accuracy, we make no guarantees that the content is error-free or current.

4. Limitation of Liability

To the fullest extent permitted by law, CollateralizedLoanObligations.com and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use or inability to use the Site
• Reliance on any information provided on the Site
• Investment losses or financial decisions made based on Site content
• Errors, omissions, or inaccuracies in content

5. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only and do not constitute endorsement. We are not responsible for the content, accuracy, or practices of third-party sites.

6. Intellectual Property

All content on the Site, including text, graphics, logos, and data compilations, is the property of CollateralizedLoanObligations.com or its content suppliers and is protected by copyright laws.

Permitted Use:

• Personal, non-commercial use
• Educational purposes with attribution
• Brief quotations with proper citation

Prohibited Use:

• Reproduction or distribution for commercial purposes without permission
• Modification or derivative works without authorization
• Removal of copyright or attribution notices

7. User Conduct

Users agree not to:

• Use the Site for unlawful purposes
• Attempt to gain unauthorized access to Site systems or data
• Interfere with or disrupt the Site's operation
• Misrepresent affiliation with the Site

8. Forward-Looking Statements

Certain content may include forward-looking projections, estimates, or opinions. These are subject to significant risks and uncertainties. Actual results may differ materially. Such statements are current as of publication date and are not updated.

9. Data Sources

Content is based on publicly available data from rating agencies, industry publications, regulatory filings, and market data providers. While we attempt to verify accuracy, we cannot guarantee the completeness or correctness of third-party data.

10. Modifications

We reserve the right to modify these Terms of Use at any time. Changes are effective immediately upon posting. Continued use of the Site after changes constitutes acceptance of modified terms.

11. Governing Law

These Terms are governed by the laws of the United States without regard to conflict of law principles. Any disputes shall be resolved in courts of competent jurisdiction in the United States.

12. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms, along with the Privacy Policy, constitute the entire agreement between you and CollateralizedLoanObligations.com regarding use of the Site.

Contact

For questions about these Terms, contact us at: contact@collateralizedloanobligations.com