Terms of Use

1. Acceptance of Terms

These Terms of Use (the "Terms") govern access to and use of this website, which is operated by SSL & Atlas Finance and Research Corporation (the "Corporation", "we", or "us").

By accessing or using this website, you accept these Terms and agree to be bound by them. If you do not agree to these Terms, please do not use this website.

2. Educational and Research Purposes Only

All material made available through this website, including ATLAS-related material, research, analyses, models, visualizations, commentary, data, software demonstrations, publications, and other content (collectively, the "Content"), is provided solely for:

• research;
• education;
• information;
• experimentation;
• discussion; and
• demonstration of analytical methods and systems.

Nothing on this website should be interpreted as a recommendation or instruction to take any financial or other action.

3. No Investment Advice

Nothing on this website constitutes investment, financial, securities, trading, portfolio-management, accounting, tax, legal, or other professional advice.

SSL & Atlas Finance and Research Corporation:

• is not providing personalized investment advice through this website;
• does not know your financial situation, objectives, risk tolerance, tax circumstances, or suitability requirements;
• does not recommend that you buy, sell, hold, short, hedge, allocate to, or otherwise transact in any security, financial instrument, asset, strategy, or portfolio; and
• does not create an adviser-client, fiduciary, broker-client, portfolio-manager-client, solicitor-client, accountant-client, or other professional relationship with you merely through your use of this website.

4. No Offer or Solicitation

The Content does not constitute, and must not be construed as:

• an offer to sell securities;
• a solicitation of an offer to purchase securities;
• an invitation to enter into any transaction;
• an offering memorandum;
• a prospectus;
• marketing of an investment fund; or
• individualized portfolio management.

5. Research Models Are Not Predictions

Models, regimes, classifications, indicators, simulations, scores, probability-like outputs, confidence measures, historical analyses, scenario analyses, backtests, forecasts, research hypotheses, and similar outputs presented on this website:

• are analytical constructs;
• may be incomplete, experimental, approximate, stale, incorrect, or subject to revision;
• may depend on assumptions and on data of varying quality, coverage, and timeliness;
• do not guarantee any future event or market outcome; and
• should not be interpreted as predictions, promises, trading signals, or instructions.

Historical performance, backtested performance, simulated performance, and hypothetical results do not guarantee future results. Such results have inherent limitations and may not reflect the effect of material economic and market factors on decision-making.

6. No Reliance

You are solely responsible for independently evaluating any information obtained from this website, including its accuracy, completeness, relevance, and suitability for your purposes.

You should not make investment, financial, legal, tax, business, or other material decisions solely in reliance on the Content. Where appropriate, you should obtain advice from qualified professionals who understand your individual circumstances.

7. Information May Be Wrong or Incomplete

The Corporation does not guarantee the accuracy, completeness, timeliness, availability, reliability, or suitability of the Content, the correctness of any calculation or data, or the uninterrupted operation of this website.

The Content may contain errors, omissions, delayed information, corrupted data, software defects, methodological limitations, or outdated information.

The Corporation may change, remove, correct, or discontinue any part of the Content or the website at any time without notice.

8. Market and Third-Party Data

Some material presented through this website, including material shown in demonstration environments, may incorporate market data or other information originating from third parties. Such information may be delayed, inaccurate, incomplete, unavailable, or subject to separate terms imposed by the party that supplies it.

Third-party data is not independently verified or guaranteed by the Corporation, and the Corporation is not responsible for the acts or omissions of any third-party source.

9. Experimental Software and Systems

Software, research systems, demonstrations, interfaces, algorithms, and other experimental technologies made available through this website may:

• contain bugs or defects;
• fail unexpectedly;
• produce incorrect results;
• change without notice;
• be discontinued; and
• be unsuitable for production, financial, safety-critical, or mission-critical use.

You are responsible for deciding whether and how to use any such material, and for any consequences of that decision.

10. No Warranty

To the maximum extent permitted by applicable law, this website and the Content are provided "as is" and "as available", without representations, warranties, conditions, or guarantees of any kind, whether express, implied, statutory, or otherwise, including any warranty or condition of merchantability, fitness for a particular purpose, accuracy, non-infringement, availability, or uninterrupted or error-free operation.

Some jurisdictions do not permit the exclusion of certain warranties, conditions, or statutory rights. Nothing in these Terms excludes or limits any warranty, condition, right, or remedy that cannot lawfully be excluded or limited, and in such a case the exclusions above apply only to the extent permitted by applicable law.

11. Limitation of Liability

To the maximum extent permitted by applicable law, SSL & Atlas Finance and Research Corporation and its directors, officers, employees, contractors, agents, affiliates, licensors, and contributors will not be liable for any loss or damage arising out of or in connection with your use of, inability to use, or reliance on this website or the Content, including:

• investment losses;
• trading losses;
• lost profits;
• lost opportunities;
• business interruption;
• loss or corruption of data;
• indirect damages;
• consequential damages;
• incidental damages;
• special damages; and
• punitive or exemplary damages, where the exclusion of such damages is legally permitted.

This limitation applies whether the alleged liability arises in contract, tort, negligence, statute, equity, or any other legal theory, and whether or not the Corporation was advised of the possibility of such loss or damage.

This section is subject at all times to rights and liabilities that cannot lawfully be excluded or limited. Where applicable law does not permit the exclusion or limitation of certain liability, the Corporation's liability is limited to the minimum extent permitted by that law.

12. User Assumption of Risk

You use this website, and any information, models, research, code, data, or tools made available through it, at your own discretion and risk.

Any decision you make on the basis of such material, and any consequence of that decision, remains your decision and your responsibility.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless SSL & Atlas Finance and Research Corporation and its directors, officers, employees, contractors, agents, and affiliates from and against claims, liabilities, damages, and reasonable costs (including reasonable legal fees) arising from:

• your unlawful use or misuse of this website;
• your violation of these Terms;
• your infringement of the rights of another person; or
• your misuse or unauthorized redistribution of protected material.

This indemnity does not apply to the extent that a claim arises from the Corporation's own acts or omissions.

14. Intellectual Property

Unless otherwise identified, the Content of this website, including text, research, documentation, graphics, designs, software, models, methodologies, trademarks, branding, compilations, and other original materials, is owned by or licensed to SSL & Atlas Finance and Research Corporation and is protected by applicable intellectual-property law.

Accessing this website does not transfer to you any ownership of, or licence to, any intellectual property except the limited permission described in Section 15.

Some material available through this website may be owned by third parties, or provided under open-source, public-domain, or other third-party licences. Nothing in these Terms is intended to claim ownership of such material, and your use of it is governed by the terms that apply to it.

15. Permitted Use

You may view, read, and use publicly available material on this website for ordinary personal, educational, and research purposes.

Unless separately authorized in writing, you must not:

• use this website for any unlawful purpose;
• attempt to compromise the security of this website or its infrastructure;
• circumvent any access control or authentication mechanism;
• use automated means in a malicious, abusive, or disproportionately burdensome manner;
• interfere with the operation of this website or the infrastructure that supports it;
• impersonate any person or misrepresent your affiliation with any person;
• misrepresent the Corporation's Content as your own; or
• remove or alter any copyright, trademark, or attribution notice.

Ordinary indexing by search engines that respect the website's published crawling directives is permitted.

16. Third-Party Links

This website may contain links to external websites or services. Such links are provided for convenience or reference only and do not necessarily constitute endorsement, sponsorship, or approval by the Corporation.

The Corporation does not control and is not responsible for the content, availability, security, accuracy, or privacy practices of any third-party website or service. Your use of a third-party website or service is governed by that party's terms.

17. Security

The Corporation takes reasonable measures to operate this website, but does not guarantee that the website, any download, any communication, or any server is or will remain free from vulnerabilities, malicious code, interception, data loss, or unauthorized access.

You remain responsible for maintaining appropriate security precautions on your own systems, including the use of current software and anti-malware protection.

18. Privacy

Your use of this website is also subject to the Corporation's Privacy Policy, which describes how information submitted through this website is handled. In the event of a conflict between these Terms and the Privacy Policy in respect of privacy matters, the Privacy Policy governs.

19. Changes to the Website and These Terms

The Corporation may modify this website and these Terms from time to time. Updated Terms will display an updated effective date.

To the extent permitted by applicable law, your continued use of this website after updated Terms take effect constitutes acceptance of those Terms. You should review these Terms periodically.

20. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

21. No Waiver

A failure or delay by the Corporation in enforcing any provision of these Terms does not constitute a waiver of that provision, and does not affect the right to enforce that provision or any other provision at a later time.

22. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-law principles, subject to any mandatory legal rights that cannot lawfully be excluded.

Disputes arising out of or in connection with these Terms or this website are subject to the jurisdiction of the courts of British Columbia, Canada, unless applicable law requires otherwise.

23. Contact

Questions about these Terms may be submitted through the Contact page on this website.