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When you become a Vanguard investor,
you entrust us with not only your hard-earned money but your
personal and financial data as well. We recognise that your
relationship with us is based on trust, and that you expect
us to act responsibly and in your best interests. Because
your personal and financial data is your private information,
we hold ourselves to the highest standards in its safekeeping
and use.
This means, most importantly, that we do
not sell nor communicate client information—whether it
is your personal information or the fact that you are a Vanguard
client—to anyone.
Instead, we use your information primarily
to complete transactions that you request or to make you aware
of other financial products and services that we offer.
You typically provide personal information
when you complete a Vanguard account application, asubscription
agreement or when you request a transaction that involves
Vanguard or one of the Vanguard-affiliated companies. This
information may include your:
Name and address.
Identification number (Identification card or passport).
Assets.
Income.
Account balance.
Investment activity.
Accounts at other institutions.
As emphasized above, we do not sell
information about current or former clients or their accounts
to third parties. Nor do we share such information, except
when necessary to complete transactions at your request, when
required by laws, or to make you aware of related financial
products and services that we offer. Here are the details:
To complete certain transactions or
account changes that you direct, it may be necessary to provide
identifying information to companies, individuals, or groups
that are not affiliated with Vanguard. For example, if you
ask to transfer assets from another financial institution
to Vanguard, we will need to provide certain information about
you to that company to complete the transaction.
To alert you to other Vanguard financial
products and services, we may share your information within
the Vanguard family of affiliated companies. This would include,
for example, sharing your information within Vanguard so we
can make you aware of new Vanguard funds, or the brokerage
services offered through Vanguard's brokerage companies, or
the asset management and trust services offered through Vanguard's
trust companies and registered investment advisers.
In certain instances, we may contract
with non-affiliated companies to perform services for us.
Where necessary, we will disclose information we have about
you to these third parties. In all such cases, we provide
the third party with only the information necessary to carry
out its assigned responsibilities and only for that purpose.
And, we require these third parties to treat your private
information with the same high degree of confidentiality that
we do.
Finally, we will release information about you if you direct
us to do so, if we are compelled by law to do so, or in other
legally limited circumstances (for example, to protect your
account from fraud).
Our concern for the privacy of our
shareholders naturally extends to those who use our website,
Vanguard.com™.
Our website uses some of the most
secure forms of online communication available, including
data encryption, Secure Sockets Layer (SSL) protocol, and
user names and passwords. These technologies provide a high
level of security and privacy when you access your account
information, initiate online transactions, or send secure
messages.
Vanguard.com offers customized features
that require our use of "HTTP cookies"—tiny
pieces of information that we ask your browser to store. However,
we make very limited use of these cookies. We don't use them
to pull data from your hard drive, to learn your e-mail address,
or to view data in cookies created by other websites. We will
not share the information in our cookies or give others access
to it—except to help us better serve your investment
needs.
We restrict access to information about
you to those Vanguard employees who need to know the information
to provide products or services to you. We maintain strict
physical, electronic, and procedural safeguards to protect
your personal information.
For your protection, we recommend that
you do not provide your account information, user name, or
password to anyone. Please note that the use of your user
name and password occurs under your own liability. If you
become aware of any suspicious activity relating to your account,
please contact us immediately.
We will notify shareholders of our
privacy policy annually. We reserve the right to modify this
policy at any time, but rest assured that if we do change
it, we will tell you promptly. You will also be able to access
our privacy policy from our website.
Vanguard is in no way responsible for
the content of any site owned by a third party that may be
linked to Vanguard's website via hyperlink, whether such hyperlink
is provided by Vanguard or by a third party. No judgment or
warranty is made with respect to the accuracy, timeliness,
or suitability of the content of any site to which Vanguard.com™
may link, including information on the site regarding Vanguard.com,
and Vanguard takes no responsibility therefor. By providing
access to other websites, neither Vanguard nor its affiliates
is recommending the purchase or sale of the stock issued by
any company, nor is it endorsing services provided by any
website's sponsoring organization.
Vanguard likewise is not responsible for
content that appears on Vanguard.com that may be provided
by a third party. For example, market data and information
are provided by Reuters Limited, and employer plan news is
provided by plan sponsors. Vanguard is not responsible for
the accuracy of such third-party content.
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There are no implied or expressed warranties
on the materials in this site; the materials are provided
"as is." |
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Vanguard and its affiliates disclaim,
to the fullest extent of the law, any warranty of any
kind, whether express or implied, as to any matter whatsoever
relating to this service, including without limitation
the implied warranties of merchantability, fitness for
a particular purpose, and noninfringement. Use of this
service is at your own risk. |
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Vanguard and its affiliates intend
that the information contained in this service be accurate
and reliable; however, errors sometimes occur. Vanguard
does not warrant that the functions contained in the materials
will be uninterrupted or error-free, that defects will
be corrected, or that this site or the servers that make
it available are free from viruses or other harmful components.
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Vanguard and its affiliates are not
liable for any event resulting from a "force majeure."
Vanguard does not warrant or represent that the materials
in this site are correct, accurate, or reliable. |
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The present site is intended to give
a sample of strategies information, and opportunities
of investments offered by Vanguard. This site is merely
informative; it doesn't represent or offer or contain
any contractual presentation. |
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The information is taken from the sources
as indicated and only has historic value and doesn't offer
any future guarantee whatsoever. This information is subject
to modifications after its publication. |
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By using Vanguard.com, you accept at
your own risk that the Internet and online communications
medium may not perform as intended despite the efforts
of Vanguard, your Internet service provider, and you.
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Reference to a fund or security anywhere
on this website is not a recommendation to buy, sell,
or hold that or any other security. |
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Any transaction with Vanguard is subject
to conditions stipulated in the prospectus, in supplements
to the prospectus, as well as in some countries, in local
addenda. The sale of securities can moreover be limited
or forbidden in some countries. All persons interested
in the products of Vanguard are invited to receive and
examine all documents hereabove mentioned, of all incidental
limitations, as well as to verify, possibly assisted by
their adviser, to what extent the considered investment
corresponds to their aims and their profile. All persons
are also invited to check the existence of incidental
fiscal consquences. |
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The prospectuses and supplements to
the prospectus can be obtained free of cost at the statutory
office of Vanguard Investment Series plc in JP Morgan
House, International Financial Services Centre, Dublin
1, Ireland. |
Vanguard and its affiliates are not liable under any circumstances—including
but not limited to negligence—for any special or consequential
damages that may result from the use of, or the inability
to use, the materials on this site, even if Vanguard or a
Vanguard-authorized representative has been advised of the
possibility of such damages.
Vanguard and its affiliates are not liable
for damages or injury, including but not limited to damages
or injury caused by any performance, failure of performance,
error, omission, interruption, deletion, defect, delay in
operation or transmission, computer virus, communications
line failure, theft or destruction or unauthorized access
to, alteration of, or use of information, whether resulting,
in whole or in part, from breach of contract, tortious behavior,
negligence, or otherwise.
In no event shall Vanguard's total liability
to you for damages, losses, and causes of action—whether
in contract, tort (including, but not limited to, negligence),
or otherwise—exceed the amount paid by you, if any, for
accessing Vanguard's site.
Unless otherwise specified, Vanguard
controls and operates this site from our offices within the
Commonwealth of Pennsylvania, United States of America.
Vanguard does not claim that materials
in this site are appropriate or available for use in locations
other than Pennsylvania. If you choose to access this site
from other locations, you do so on your own initiative, and
you are responsible for compliance with any applicable local
laws.
The laws of the Commonwealth of Pennsylvania
govern these terms. If you take legal action relating to these
terms, you agree to file such action only in the Court of
Common Pleas of Chester County, Pennsylvania, or the United
States District Court for the Eastern District of Pennsylvania,
and you consent and submit to the personal jurisdiction of
those courts for the purposes of litigating any such action.
The prospectuses and supplements to the prospectus can be
obtained free of cost at the statutory office of Vanguard
Investment Series plc in JP Morgan House, International Financial
Services Centre, Dublin 1, Ireland.
Either party may terminate this agreement
at any time by destroying:
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All materials obtained from any Vanguard
site. |
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All related documentation, copies,
and installations, whether or not made under these terms.
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Vanguard will terminate this agreement
immediately without notice if, in Vanguard's sole discretion,
you fail to comply with any term or provision of this
agreement. |
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Upon termination, you must destroy
all materials obtained from this or any Vanguard site
and all copies of those materials, whether or not they
were made under these terms. |
If any provision of these terms is
deemed unlawful, void, or for any reason unenforceable, then
that provision will be deemed severable from these terms and
will not affect the validity and enforceability of the remaining
provisions.
The preceding terms and conditions of use
represent the entire agreement between Vanguard and the user
relating to the subject matter herein.
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