TWIN Capital Management Inc. Terms & Disclosures

Investment Risk is Present

Past performance is not necessarily indicative of future results. Investments are not guaranteed and may lose value.

Terms & Conditions of Use

Use of the TWIN Capital Management Inc. web site, owned and operated by TWIN Capital Management Inc. ("TWIN") signifies that you accept the following Terms and Conditions of Use. If you do not agree to these terms, do not use this site. You may terminate this agreement at any time by destroying all materials obtained from the TWIN web site, and all related documentation, copies, and installations, whether or not made under these terms.

TWIN will terminate this agreement immediately without notice if, in TWIN's sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this web site and all copies of those materials, whether or not they were made under these terms.

TWIN reserves the right, at its discretion, to change, modify, add, or remove portions of these terms at any time. We suggest that you check these terms periodically for changes. The terms can be accessed from the link at the bottom of our web site pages. If you use this web site after we post changes to the terms, you accept the changed terms.

Third-Party Content

TWIN and its agents are in no way responsible for the content of any site owned by a third party that may be linked to TWIN's web site via hyperlink, whether such hyperlink is provided by TWIN or by a third party.


There are no implied or expressed warranties on the materials in this site; the materials are provided "as is." TWIN and its agents disclaim, to the fullest extent of the law, any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this service, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Use of this service is at your own risk. TWIN and its agents intend that the information contained in this service be accurate and reliable; however, errors sometimes occur. TWIN and its agents do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available are free from viruses or other harmful components. TWIN and its agents do not warrant or represent that the materials in this site are correct, accurate, or reliable. You (and not TWIN and its agents) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this web site. Reference to a fund or security anywhere on this web site is not a recommendation to buy, sell, or hold that or any other security. If you live in a state that does not allow disclaimers of implied warranties, our disclaimer may not apply to you.

Limitation of Liability

TWIN and its agents are not liable under any circumstances-including but not limited to negligence-for any special or consequential damages that may result from the use of, or the inability to use, the materials on this site, even if TWIN and its agents have been advised of the possibility of such damages.

TWIN and its agents are not liable for damages or injury, including but not limited to damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortuous behavior, negligence, or otherwise. If you live in a state that does not allow the limitation or exclusion of liability or incidental or consequential damages, the above limitation or exclusion may not apply to you.

In no event shall TWIN and its agents' total liability to you for damages, losses, and causes of action-whether in contract, tort (including, but not limited to, negligence), or otherwise-exceed the amount paid by you, if any, for accessing TWIN's web site.

Jurisdictional Issues and Applicable Law

Unless otherwise specified, TWIN controls and operates this site from its offices in McMurray, Pennsylvania, United States of America. TWIN and its representatives may only transact business in states where they are registered, excluded or exempted from state registration requirements.

The laws of the Commonwealth of Pennsylvania govern these terms.

Integration and Severability

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions.

The preceding terms and conditions of use represent the entire agreement between TWIN and the user relating to the subject matter herein.