Terms of Use
We want you to have a good experience viewing and using our Web site. If you continue to view and use this Web site you are agreeing to comply with and be bound by the following terms and conditions of use.

Please read the Terms of Use and Privacy Policy for Morning Star And Company, Inc. (MSCI) carefully before using this site as they contain important information about legal rights, remedies and obligations. If you do not agree to the Terms of Use, do not use the web site.

Use of Content
Access to and use of text, artwork, photographs, video, audio and other files on this Web site are subject to the following terms and conditions:

All Content is Protected by Copyright Laws Images, text, software, documentation, electronic text and image files, audio and video clips, and other materials are protected by copyright laws and may be covered by other restrictions as well.

Morning Star And Company, Inc. (MSCI) retains all rights, including copyright, in data, image, text, and any other information contained in these files. Copyrights and other proprietary rights in the material on this Web site may also subsist in individuals and entities other than, and in addition to, MSCI. MSCI expressly prohibits the copying of any protected materials on this Web site, except for the purposes of fair use as defined in the copyright laws, and as described below.

Fair Use is Permitted
Fair use of copyrighted material includes the use of protected materials for noncommercial educational purposes, such as teaching, scholarship, research, criticism, commentary, and news reporting. Unless otherwise noted, users who wish to download or print text and image files from MSCI’s Web site for such uses are welcome to do so without MSCI's express permission. Users must cite the author and source of this material as they would material from any printed work; the citation should include the URL http:// www.morningstarand company.org

By downloading, printing, or otherwise using text and image files from this Web site, users agree that they will limit their use of such files to fair use, and will not violate MSCI's or any other party's proprietary rights.

Commercial Use is Restricted Unauthorized publication or exploitation of MSCI's files is specifically prohibited. Anyone wishing to use any of these files or images for commercial use, publication, or any purpose other than fair use as defined by law, must request and receive prior written permission. All requests to reproduce works of art from MSCI’s Web site should be addressed directly to Morning Star And Company, Inc., PO Box 24405, Lyndhurst, OH 44124, or contact by email at: kar@morning starandcompany.org

Privacy
MSCI is committed to protecting your privacy when you visit our Web site, participate in our online events and other activities, shop at our Online Store, or use the Web site to request materials. We do not collect personal information about individuals, such as names and mailing or e-mail addresses, unless the individual knowingly provides it. In choosing to provide this information, you agree to be bound by the terms and conditions of MSCI’s Privacy Policy and Terms of Use.

MSCI’s Policy on Disclosure of Information
MSCI will not sell, trade, or rent the personal information you provide to us.

Revisions to our Privacy Policy
Please note that MSCI may revise its privacy policy at any time. Such revisions may arise in response to changes in the law, policy, or other factors. We encourage you to periodically visit this page to review our most current policy.

LEGAL DISCLAIMER
THE MATERIALS ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR A PARTICULAR PURPOSE. SITE OWNER OFFERS NO ASSURANCE OF UNINTERRUPTED OR ERROR FREE SERVICE. SITE OWNER DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED ON THIS WEB SITE. SITE OWNER MAY CHANGE ANY OF THE INFORMATION FOUND AT THIS SITE AT ANY TIME WITHOUT NOTICE INCLUDING THE TERMS OF SERVICE WITHOUT NOTICE. WEB SITE OWNER MAKES NO COMMITMENT TO UPDATE THE INFORMATION FOUND AT THIS SITE. IN NO EVENT SITE OWNER BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIAL OR INFORMATION AVAILABLE ON THIS SITE, EVEN IF SITE OWNER HAS BEEN ADVISED OF SUCH DAMAGES.

Help with this Site ...
In the Flash version of our Web site in order to enlarge the text for greater readability, right click your mouse and select "zoom in."

In the non-Flash version of our Web site, change the "View" settings from your browser menu.

The MSCI Web site was designed to be viewed with Microsoft Internet Explorer version 5.0+ at a minimum browser window size of 800 x 600 pixels.

For optimal performance, accessibility, and appearance, JavaScript should be enabled on your browser. We also recommend the most recent versions of the Macromedia Flash Player and the Adobe Acrobat Reader.

While informational pages at MSCI Web site are designed to be readily accessible with a dial-up 56.6kbps dial-up Internet connection, some graphics-rich sections of the site are image-intensive and may require a longer download time. A DSL or Cable connection is highly recommended.

Site Credits
The MSCI Web site is designed and maintained by Studio Downstairs, Inc. To contact Web Developer click here.