Terms & Conditions

1. Acceptance of Terms

By accessing or using this website (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access the Site.

2. Use of This Website

You may use this Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that could damage, disable, overburden, or impair the Site, or interfere with any other party's use and enjoyment of the Site. You agree not to attempt to gain unauthorized access to any portion of the Site, other accounts, or computer systems connected to the Site.

3. Intellectual Property

The Site and its entire contents, features, and functionality, including all text, graphics, logos, and the design of the Site itself, are the property of Fifth Third Asset Management or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any material on this Site without prior written consent.

4. No Financial, Legal, or Tax Advice

The content on this Site is provided for general informational purposes only and does not constitute financial, investment, legal, accounting, or tax advice. Nothing on this Site should be relied upon as a recommendation to buy, sell, or hold any security or to pursue any particular investment or planning strategy. You should consult with qualified, licensed professional advisors before making any financial, legal, or tax decisions.

5. Investment Risk Disclosure

All investments involve risk, including the possible loss of principal. Past performance, where referenced or implied, is not indicative of future results. Any statistics, figures, or performance references on this Site are approximate, presented for general informational purposes, and do not represent the guaranteed performance of any strategy, fund, or account. Diversification and asset allocation strategies do not ensure a profit or guarantee against loss.

6. APY & Rate Disclaimer

Where Annual Percentage Yield (APY), coupon rate, or other yield figures are referenced on this Site, they are indicative only, subject to change without notice, and not guaranteed. Actual rates available to a given client depend on prevailing market conditions, issuer terms, deposit or investment amount, term length, and timing of execution. Early withdrawal from a Certificate of Deposit, or sale of a bond prior to maturity, may result in penalties, reduced yield, or loss of principal.

7. Product Availability

Certificates of Deposit, corporate and mutual bonds, fixed-rate instruments, and other products referenced on this Site may not be available at all times, in all jurisdictions, or to all clients, and are subject to issuer allocation, inventory, and eligibility requirements. Product availability, minimum investment amounts, and terms are confirmed directly with your private client team at the time of inquiry and are subject to change without notice.

8. Forward-Looking Statements

This Site may contain statements that are, or may be deemed to be, "forward-looking statements," including statements regarding market outlooks, strategies, or expectations. These statements are inherently subject to significant business, economic, and other uncertainties, and actual outcomes may differ materially from any expectations expressed or implied. Fifth Third Asset Management undertakes no obligation to update any forward-looking statements.

9. No Offer or Solicitation

Nothing on this Site constitutes an offer to sell, or a solicitation of an offer to buy, any security, product, or service in any jurisdiction in which such an offer or solicitation would be unlawful. Descriptions of services on this Site are provided for general informational purposes and do not guarantee availability, suitability, or approval for any particular client.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Fifth Third Asset Management and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your access to or use of, or inability to access or use, this Site or any content contained within it.

11. Third-Party Links

This Site may contain links to third-party websites that are not owned or controlled by Fifth Third Asset Management. We assume no responsibility for the content, privacy policies, or practices of any third-party websites.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

13. Changes to These Terms

We may revise these Terms at any time by updating this page. By continuing to use the Site after revisions become effective, you agree to be bound by the revised Terms. We encourage you to review this page periodically.

14. Contact Us

Questions about these Terms & Conditions can be directed to:

Fifth Third Asset Management
Attn: Legal Department
legal@fifthasset.com