Terms and Conditions

By using the Web Site (“Site”) www.fitchassoc.com, or any other Site owned, operated, licensed, or controlled by Fitch & Associates or any of its related, affiliated, or subsidiary companies (together, “Fitch”), or downloading information (the “Materials”) from the Site, you agree and are subject to the following terms and conditions. If you do not agree to these terms, you should not use the Site or download materials from the Site.

RESTRICTED USE
Fitch & Associates (“Fitch”) authorizes you to view, copy, print, and download the Materials at this Site provided the Materials are used for lawful, informational and noncommercial purposes only and that you do not delete from the Materials any of their original copyright, trademark and other such proprietary notices. This authorization is not a transfer of title in the Materials or in copies of the Materials. You may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for public or commercial purposes. You may not transfer the Materials to any person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site, as it may be updated from time to time.

LIMITATION OF LIABILITY
Neither Fitch nor its directors, employees, representatives will be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure, nor will such individuals or entities be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this Site, even if there is negligence on Fitch, its agents or contractors, or an authorized Fitch representative has been advised of the possibility of such damages, or both.

AUTHORIZED USE
Except as described otherwise, all materials in the Fitch Site are made available only to provide information about Fitch. Fitch controls and operates this Site from its headquarters in Platte City, Missouri, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this Site from other locations you are responsible for compliance with applicable local laws.

DISCLAIMER
The material in this Site could include technical inaccuracies or typographical errors. Fitch may make changes or improvements at any time. THE MATERIALS IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FITCH DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. FITCH DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIAL WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FITCH DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF OR THE RESULT OF THE USE OF THE MATERIAL IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE, YOU (AND NOT FITCH) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

EQUAL OPPORTUNITY EMPLOYER
Fitch is an equal opportunity employer committed to a diverse workforce. To be considered for a posted job opportunity, you must contact the designated recruiting representative.

LINKING
This Site may be linked to other Sites which are not maintained by Fitch. Fitch is not responsible for the contents of those Sites. The inclusion of any link to such Sites does not imply endorsement by Fitch of those Sites. Any creating by you of any kind of Hyperlink to the Site is not allowed without the permission of Fitch. If you wish to obtain permission to hyperlink, please contact:
Fitch & Associates
2901 Williamsburg Terrace #G, Box 170
Platte City, MO 64079
(816) 431-2600
Fax: (816) 431-2653
info@fitchassoc.com

MISCELLANEOUS
If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Possible evidence of use of this Site for illegal purposes will be provided to law enforcement authorities. This is the entire agreement between the parties relating to the use of this Site. Fitch can revise these Terms and Conditions at any time by updating this posting.

PRIVACY
Fitch is sensitive to the privacy concerns of those visiting its Site on the Internet. Generally, no personal information is automatically collected from visitors to the Site. However, certain non-personal information of visitors is recorded by the standard operation of Fitch or other authorized third party’s Internet servers. This information is primarily used to provide an enhanced online experience for the visitor. Information tracked includes the type of operating system in use (e.g., Macintosh, Windows) and the type of browser being used by the visitor (e.g., Firefox, Chrome, Safari, Internet Explorer).

Other uses of this information include internal review of the number of visitors to the Site but only in an aggregate and non-personally-identifiable form. E-mail addresses and other personally identifiable data about visitors to this Site are known only when voluntarily submitted.

Personally identifiable information that may be collected in connection with visitors is retained by Fitch and is not sold or otherwise transferred outside the company. This information is collected to help us better understand visitors’ use of our Site.

To the extent that any of the Sites accessible through the Fitch Web Site have different practices, these practices will be explained at that Site.

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