Privacy Policy

Privacy Policy

PhiloSmith is highly committed to respect and protect the privacy of any site visitor. Any information about you is strictly confidential and will not be disclosed to any third-party.

Personal Information

We do not collect any personal information about you except when you specifically provide such information (by subscribing to our newsletter, submitting a contact form, sending emails, faxes, phone contacts). Any personal information you provide (name, email address, etc.) is strictly confidential and will be used only in the business process for communication involved between you – the visitor, subscriber, customer, partner – and PhiloSmith and will not be sold, reused, rented, or otherwise disclosed to any third-party. You are free to unsubscribe and “opt-out” of receiving communication from PhiloSmith at any time.

Browser Information and Cookies

We do collect information regarding the access to the site, such as time of day, browser type, browser language, and IP address. The server logs are used to monitor site activity and performance and they do not contain any information about the individual visitor. Currently we are not using cookies in this site. We may use them in the future, in some protected area of our site, but this will be clearly stated to the user. You can, at any time, reset your browser to refuse all cookies or to indicate when a cookie is being sent.

Links to Other Sites

You may find links to other sites maintained and owned by organizations / people over which we have no control; the content of such linked pages are solely the responsibility of their webmaster or sponsor. We are carefully choosing the linked sites, however you should be advised that they may use their own cookies or collect data from the visitor.

By using this website, you agree to the outlined policy.

Disclaimers and Limitation of Liability

PhiloSmith provides the site only for your convenience. None of the information contained in this website constitutes a recommendation, solicitation or offer by PhiloSmith or its affiliates to buy or sell any securities, futures, options or other financial instruments of any person or provide any investment advice or service. The material contained in this website is for your private information. We are not soliciting any action based upon it. The material is based upon information that we consider reliable, but we do not represent that it is accurate or complete, and should not be relied upon as such. Nothing in the website should be construed as advice. We are not soliciting any action based upon it. The material is based upon information that we consider reliable, but we do not represent that it is accurate or complete, and should not be relied upon as such. The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. PhiloSmith does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. PhiloSmith will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, PhiloSmith cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose.

Neither PhiloSmith, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of PhiloSmith or of any vendor providing software or services. In no event will PhiloSmith or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if PhiloSmith or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. PhiloSmith cannot and does not guarantee continuous, uninterrupted or secure access to the website.