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Legal terms related to use of this site.

Last Updated: 12/06/14

Legal Notices

Terms of Use

The Federal Reserve Bank of Chicago provides this website (“website”) as a convenience to its customers, depository institutions and the public. By using this website or the information, data or materials available on this website ("information") you acknowledge and agree to the terms and conditions set forth on this website. We reserve the right to change the terms and conditions at any time without notice. If you do not agree to these terms and conditions, do not use this website. You understand and agree that your continued use of this website after the date on which these terms and conditions have changed constitutes your acceptance of the new terms and conditions.
Consent to Monitoring

The Federal Reserve Bank of Chicago monitors this website. By using this website, you expressly agree to such monitoring and you are advised that any evidence of suspected fraudulent, abusive or illegal activity may be provided to law enforcement officials.

Accuracy, Completeness and Timeliness of Information on This Site

The Federal Reserve Bank of Chicago is not responsible if information made available on this website is not accurate, complete, or current. Any reliance on the information on this website is at your own risk, and any conclusions that you draw from the information presented here are yours alone and are not to be attributed to the Federal Reserve Bank of Chicago. The views expressed on this website may not necessarily reflect the views of the Federal Reserve Bank of Chicago or of the Federal Reserve System. The Federal Reserve Bank of Chicago may periodically update the information but makes no commitment to do so.
This website may provide links to websites not maintained by the Federal Reserve Bank of Chicago as an additional resource. Such external websites may also link to this website. External websites that link to this website or that this website links to are not under the control of the Federal Reserve Bank of Chicago and may contain material that is protected under copyright or other laws or that otherwise has restrictions on its use. The Federal Reserve Bank of Chicago makes no warranty, express or implied, and does not assume any liability or responsibility for any information that is available on any external website. Neither this website’s inclusion of links to external websites nor external websites' inclusion of links to this website implies the Federal Reserve Bank of Chicago’s sponsorship, endorsement, recommendation, or approval of the external websites, the persons or entities managing or responsible for those sites, any views expressed on those sites, or any products or services offered on those sites.

Use of Material on this website

This website contains copyrighted materials, trademarked materials and other proprietary information, including without limitation, text, software, graphics, logos and buttons that are the property of the Federal Reserve Bank of Chicago or third parties ("proprietary materials"). Except as provided in this legal notice, to utilize these proprietary materials, written permission must be obtained from the owner(s) of the rights in the proprietary materials. Users may not reproduce, modify, publish, transmit, participate in the transfer or sale of, create derivative works from or in any way exploit any of the content, in whole or in part, of any copyrighted, trademarked or proprietary information owned by Federal Reserve Bank of Chicago, except as expressly authorized by the Federal Reserve Bank of Chicago. The Federal Reserve Bank of Chicago cannot grant permission to use copyrighted material, trademarked material or other proprietary information owned by third parties.

Any unauthorized attempts to upload or change information, to defeat or circumvent security measures or to utilize this website for reasons other than its intended purposes are prohibited.

The Federal Reserve Bank of Chicago does not permit the use of its name in advertising, as an endorsement for any product or service or for any other purpose, commercial or otherwise.

Except as expressly provided elsewhere on this website, modifying, distributing, transmitting, performing, broadcasting, publishing, uploading, licensing, reverse engineering, transferring, selling or creating derivative works from the material on this website is expressly prohibited.

The Federal Reserve Bank of Chicago does not represent or warrant that your use of the material on this website will not infringe the rights of third parties.

You may not use contact information provided on this website for unauthorized purposes, including marketing. You may not use hardware or software intended to damage or interfere with the proper operation of this website or to obtain or intercept any data, including personal information, stored in or sent to this website. You shall not interrupt or attempt to interrupt the operation of this website in any way. You shall not frame this website (or any material on this website) or use the Federal Reserve Bank of Chicago’s proprietary trademarks or service marks as metatags or hidden text on websites you own or control without the Federal Reserve Banks of Chicago’s express written consent.

The Federal Reserve Bank of Chicago reserves the right to limit or terminate your access to or your use of this website for any reason at any time without notice. Exercise of this right does not waive or affect any other right or remedy to which the Federal Reserve Bank of Chicago may be entitled at law or in equity.

Use of Federal Reserve Bank of Chicago Copyrighted Materials

Most materials created by the Federal Reserve Bank of Chicago, whether they contain a copyright notice or not, are protected from unauthorized use by copyright law. To utilize those materials in which the copyright is owned by the Federal Reserve Bank of Chicago, permission must be granted by the Federal Reserve Bank of Chicago. The Federal Reserve Bank of Chicago hereby grants permission to reproduce written materials in which the Federal Reserve Bank of Chicago owns the copyright, provided that reproduction is not for the purpose of private and/or commercial gain and the materials are appropriately credited to the Federal Reserve Bank of Chicago. If you wish to utilize Federal Reserve Bank of Chicago copyrighted materials in any other way, such as republication or distribution, you must contact the Federal Reserve Bank of Chicago and obtain its written permission to do so. To utilize materials in which the copyright is owned by a third party, you must contact that third party.

Website Notification Service

By subscribing to one of the Federal Reserve Bank of Chicago's email notification or subscription services via this website, you agree to waive any claim against the Federal Reserve Bank of Chicago for any messages that you may receive by reason of your subscription to this service and/or any resultant harm to you and/or your computer from receipt of such messages. You also authorize the Federal Reserve Bank of Chicago to maintain your name and contact information in its files and continue to send you email notifications until you unsubscribe by either clicking on the unsubscribe link included in alerts or other notifications sent to you by the Federal Reserve Bank of Chicago or by visiting www.chicagofed.org/subscribe to change your subscription preferences.

No Warranty

THE FEDERAL RESERVE BANK OF CHICAGO DOES NOT WARRANT THAT ANY INFORMATION CONTAINED ON THIS WEBSITE DOES NOT DEFAME ANY INDIVIDUAL OR ENTITY OR INFRINGE UPON ANY INDIVIDUAL'S OR ENTITY'S RIGHTS OF PRIVACY OR PUBLICITY. THE FEDERAL RESERVE BANK OF CHICAGO PROVIDES NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, QUALITY AND NON-INFRINGEMENT OF ANY INFORMATION ON THIS WEBSITE. ALL INFORMATION, DATA AND MATERIALS ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND.

Limitation of Liability

THE FEDERAL RESERVE BANK OF CHICAGO SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER KIND OF DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, OR ATTORNEY'S FEES) THAT ARE IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OR PERFORMANCE OF, OR INABILITY TO USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO ANY INFORMATION AVAILABLE FROM THIS WEBSITE, REGARDLESS OF WHETHER THE FEDERAL RESERVE BANK OF CHICAGO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, INCLUDING LIABILITY FOR ANY VIRUSES OR OTHER CONTAMINANTS WHICH MIGHT INFECT A USER’S COMPUTER SYSTEM.

Material You Submit

You acknowledge that you are responsible for any information or other material you may submit to the Federal Reserve Bank of Chicago through this website. Your responsibility includes ensuring that you have the necessary rights or permissions to submit the material to this website and that the material is lawful and appropriate in the jurisdiction from which you are accessing this website. You shall not enter, upload, distribute, or otherwise publish to or through this website any material that (1) is confidential, proprietary, false, fraudulent, libelous, defamatory, obscene, threatening, abusive, illegal, or otherwise objectionable or that violates or infringes on the privacy, publicity, or intellectual property rights of any person; (2) may constitute or encourage a criminal offense or would otherwise violate the law or the rights of another person; (3) may contain software viruses or other contaminants which might infect a computer system and/or (4) constitutes a chain letter, a mass mailing, or any form of spam.

If you submit material through this website, you grant the Federal Reserve Bank of Chicago an unrestricted, nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display that material throughout the world in any media. You acknowledge and agree that the Federal Reserve Bank of Chicago is free to use any ideas, concepts, or know-how that you provide to the Federal Reserve Bank of Chicago through this website. You grant the Federal Reserve Bank of Chicago the right to use the name you provide in connection with the material you submit, if it chooses to do so.

By submitting material through this website, you represent and warrant that (1) you own or otherwise have the necessary licenses, rights, consents, and/or permissions to use and to authorize the Federal Reserve Bank of Chicago to use the material you submit in accordance with these terms of use; (2) the material does not and will not infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, or publicity right; (3) the material, or submission or use of the material, does not and will not violate any contractual restrictions to which the material may be subject; and (4) the material does not and will not violate any provision of these terms of use.

In using this website, you shall not use a false email address or provide other false identifying information and you shall not impersonate another individual or entity. If you submit material from outside the United States, you understand and agree that the material, including potentially personally identifiable information about you, may be transferred to and stored or maintained in the United States. The Federal Reserve Bank of Chicago handles all personal information you provide through this website in accordance with the Federal Reserve Bank of Chicago’s Privacy Policy.

The Federal Reserve Bank of Chicago has no obligation to post or accept any material you submit and may remove any material you submit and/or restrict or terminate your ability to submit material at any time for any reason without prior notice.

Registration

Some features on this website require registration. By registering and in consideration of your use of this website, you shall provide true, accurate, current, and complete information about yourself. You shall maintain and promptly update registration information to keep it true, accurate, current, and complete.

Some features on this website that require registration also require use of a password. You shall maintain the confidentiality and security of your password and registration identification. You are solely and fully responsible for all use of your account and for any actions that take place using your account. If you have any reason to believe or become aware of any loss, theft, or unauthorized use of your password, you must notify Federal Reserve Bank of Chicago’s Public Affairs immediately by sending an email to information.chi@chi.frb.org.

In registering or using this website, you shall not (1) create an account for anyone other than yourself, unless previously authorized by another person to do so (2) attempt to cloak or conceal your identity; and (3) share your password, let anyone else access your account, unless authorized by you to do so, or take other actions that might compromise the security of your account.

The Federal Reserve Bank of Chicago may terminate your account and remove or discard all or any part of your registration data or user content at any time for any reason without prior notice.

Federal Reserve Bank of Chicago Trademarks and Service Marks

Trademarks and service marks owned by the Federal Reserve Bank of Chicago may not be used without express written permission from the Federal Reserve Bank of Chicago. Other marks which may appear on this website are owned by one or more Federal Reserve Banks. Other product names and company names referenced on this website may be either trademarks or service marks of their respective companies. Permission to use any marks of third parties must be obtained from those third parties.

External websites

External entities may link to the Federal Reserve Bank of Chicago without obtaining written permission provided they comply with the following requirements:

1. The entity linking to the site must not create a frame or a border environment around the site.
2. The entity linking to the Federal Reserve Bank of Chicago website must clearly indicate that the link directs the user to an external or offsite link and is not part of the linking entity's website.
3. The entity linking to the Federal Reserve Bank of Chicago website must not alter, block or otherwise prevent the display of any content of this website.
4. The entity linking to the Federal Reserve Bank of Chicago website does not misrepresent any association or affiliation with the Federal Reserve Bank of Chicago nor does the entity state or imply any sponsorship, endorsement, recommendation or approval of the entity, its website or its products or services by the Federal Reserve Bank of Chicago.
5. For searching purpose, the entity linking to the site must specifically refer to the Federal Reserve Bank of Chicago by its full name, "Federal Reserve Bank of Chicago."
By including a link to the Federal Reserve Bank of Chicago website on its site, a third party agrees that upon request by the Federal Reserve Bank of Chicago at any time for any reason, the third party shall immediately remove the link from its website.

References to Third Parties and Third-Party Products or Services

The Federal Reserve Bank of Chicago does not sponsor, endorse, or recommend any third party or any third-party products or services used on or by this website or referenced on or by this website.

Reporting IP Infringement

The Federal Reserve Bank of Chicago undertakes to obey all relevant copyright laws, and does not permit copyright infringing activities and infringement of intellectual property rights on this website. The Federal Reserve Bank of Chicago will review all claims of copyright infringement received and remove content deemed to have been posted or distributed in violation of law.

The Federal Reserve Bank of Chicago will promptly terminate without notice any registered user's access to its limited access sites if that user is determined by the Federal Reserve Bank of Chicago to be a "repeat infringer." A repeat infringer is a registered user who has been notified by the Federal Reserve Bank of Chicago of infringing activity violations more than twice and/or who has had their content or any other user-submitted content removed from this website more than twice. The Federal Reserve Bank of Chicago may also at its sole discretion limit access to any limited access site and/or terminate the registrations and/or memberships in any limited access site of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

If you are a copyright owner or an agent thereof and believe that any user content or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing the Federal Reserve Bank of Chicago with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

1. Your physical or electronic signature (or the physical or electronic signature of a person authorized to act on your behalf);
2. A description of the copyrighted work claimed to have been infringed; or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
3. A description of the infringing material and information reasonably sufficient to permit the Federal Reserve Bank of Chicago to locate the material so that it may be removed or access to it may be disabled;
4. Your contact information, including your address, telephone number, and email;
5. A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
6. A statement that the information in the notification is accurate, and, under the pains and penalties of perjury, that you are authorized to act on behalf of the copyright owner.

If you believe that your user content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content, you may send a counter-notice containing the following information:

1. Your physical or electronic signature;
2. A description of the material that was removed (or to which access was disabled) and the location at which the material appeared before it was removed (or to which access was disabled);
3. A statement under penalty of perjury that you have a good-faith belief that the material was removed (or to which access was disabled) as a result of mistake or misidentification of the material;
4. Your name, address, telephone number, and email address;
5. A statement that you consent to the jurisdiction of the United States district court for the judicial district in which your address is located or, if you are outside the United States, to the jurisdiction of the United States district court for the Northern District of Illinois; and
6. A statement that you will accept service of process from the person that provided the Federal Reserve Bank of Chicago with notification of the alleged infringement (or that person’s agent).

If a counter-notice is received by the Federal Reserve Bank of Chicago, the Federal Reserve Bank of Chicago may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at the Federal Reserve Bank of Chicago’s sole discretion.  (c) Claims and counter-notices can be sent to information.chi@chi.frb.org or Public Affairs, Federal Reserve Bank of Chicago, 230 South LaSalle, Chicago, Illinois 60604. You acknowledge that if you fail to comply with all of the above requirements of this section of the terms of use, your DMCA notice or counter-notice may not be valid.

Accessibility

The Federal Reserve Bank of Chicago is working to make every page on its public web servers accessible to the widest possible audience, including people with visual disabilities using screen-reading software.

Many of the documents on Federal Reserve Bank of Chicago’s web servers are in HTML and are usually compatible with screen-reading software. The Federal Reserve Bank of Chicago also has a large number of documents in Adobe Acrobat Portable Document Format (PDF). PDF documents are displayed through Adobe's free Acrobat Reader, but may require additional steps to become accessible to screen readers.

Download Adobe's free Acrobat Reader

Other Means of Obtaining Documents

If you are seeking a document that is not accessible to you from this website and you would like to obtain a paper copy of it, you may submit a request by email to the Federal Reserve Bank of Chicago Public Affairs at information.chi@chi.frb.org.

The Federal Reserve Bank of Chicago invites comments on its accessibility policies. You may email Federal Reserve Bank of Chicago Public Affairs or send a letter to Public Affairs, Federal Reserve Bank of Chicago, 230 South LaSalle, Chicago, Illinois 60604.

Release and Indemnification

To the maximum extent permitted by law, you hereby release and waive all claims against the Federal Reserve Bank of Chicago and its officers, directors, employees and agents from any and all liability for claims, damages, costs and expenses (including litigation costs and attorney’s fees) of every kind and nature, arising from or in any way related to your use of this website. You agree to indemnify and hold harmless the Federal Reserve Bank of Chicago and their officers, directors, employees and agents from and against all claims, damages, costs and expenses (including litigation costs and attorney’s fees) of every kind and nature, arising from or in any way related to your use of this website.

Applicable Law and Jurisdiction

This website is controlled and operated by the Federal Reserve Bank of Chicago from its offices in the United States of America. By entering this website, you acknowledge and agree that this website will only be construed and evaluated according to United States law, and in the absence of controlling federal law, with the laws of the State of Illinois. When using this website you agree to comply with all applicable federal, state and local laws. If you use this website from locations outside of the United States you are responsible for compliance with any and all applicable laws of that or any other applicable location. The exclusive jurisdiction for any legal action or proceeding regarding the terms and conditions of this website shall be in the United States district court for the Northern District of Illinois located in Chicago, Illinois and you agree to submit to the jurisdiction and venue of that court.

Changes to These Terms of Use

The Federal Reserve Bank of Chicago reserves the right to change these terms of use at any time by posting revised terms on this website. It is your responsibility to check periodically for any changes the Federal Reserve Bank of Chicago makes to these terms of use. Your continued use of this website after these terms of use have changed means you accept the changes.

Severability

If any of the terms and conditions are found to be invalid by a court of competent jurisdiction, you agree that the other terms and conditions shall remain in full force and effect.
This site is a product of the Federal Reserve Bank of Chicago. Please see Terms of Use and Privacy Policy. Pages on this site marked (PDF) require the use of the Adobe® Acrobat® Reader® 9 or higher. Adobe also provides a more accessible download page. Subscribe to the chicagofed.org RSS Feed. The Federal Reserve Bank of Chicago offers the chicagofed.org RSS Feed as a free service as long as it is used for noncommercial purposes and its use is accompanied by proper attribution to chicagofed.org as the source. In addition, while using the RSS service, you may not directly or indirectly suggest any endorsement or approval by the Federal Reserve Bank of Chicago or chicagofed.org of your website.

Address comments and questions to the Federal Reserve Bank of Chicago Public Affairs.

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