Acceptance of Terms
When you access this site, you acknowledge that you have read and agree to abide by the terms described below. If you do not agree to the terms discussed here, you should exit this site now.

Copyright Notice
Everything on this site is copyrighted. The copyrights are owned by The SDMA, or the original creator of the material. However, you are free to view, copy, print, and distribute material from this site, as long as:

- The material is used for information only
- The material is used for non-commercial purposes only
- Not identified as The SDMA confidential

Articles from CreditSights are copyrighted material of CreditSights and are reprinted on the SDMA site with the permission of CreditSights.

The SDMA and the The SDMA logo are trademarks or service marks of The SDMA. You may not use these or any other The SDMA trademarks or service marks without the written permission of The SDMA.

No Warranty
While The SDMA attempts to provide accurate information on this website, it assumes no responsibility for accuracy. The SDMA may change the information on the site, or the products mentioned, at any time without notice. Material on this site is provided "as is" and does not constitute a warranty of any kind, either expressed or implied. The SDMA disclaims all warranties, expressed or implied. This includes but is not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. It also includes any expressed or implied warranties arising from any course of dealing, usage, or trade practice.

Limitation of liability
The SDMA is not liable for any direct, indirect, special, incidental, or consequential damages arising out of the use-or the inability to use-the material on this site. This includes but is not limited to the loss of data or loss of profit, even if The SDMA was advised of the possibility of such damages.

While this website may contain links to third-party sites, The SDMA is not responsible for the content of any linked sites. The SDMA provides these links as a convenience and does not endorse the companies or contents of any linked sites.

Your Submission
Any material, information, or idea submitted or posted on this website will be considered non-confidential and non-proprietary. The SDMA may share or otherwise use your submission for any purpose whatsoever. If any of the information submitted constitutes personal data, you agree that The SDMA may transmit such personal data across international boundaries for any The SDMA business purpose. Personal data will be treated as set forth in our Privacy Statement.

Export of Information
The United States Export Controls laws prohibit the export of certain technical data and software to certain territories. No content from this site may be downloaded or otherwise exported in violation of United States law.

Jurisdiction and Choice of Law
All claims or issues regarding this website, shall be governed according to the laws of the State of New York. Any legal action concerning these Terms or this website must be brought within one (1) year after the claim or cause of action arises and must be brought in the State of New York.