Terms of Service

By accessing or using the Egan-Jones Ratings Company website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

The Site and its content are provided for informational purposes only. You may use the Site solely for lawful purposes and in accordance with these Terms. You agree not to: • Use the Site in any way that violates applicable federal, state, local, or international law or regulation • Reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from the Site without our prior written consent • Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site • Use any automated means to access, scrape, or collect information from the Site

The Site and its entire contents, features, and functionality - including but not limited to all information, software, text, displays, images, video, and audio - are owned by Egan-Jones Ratings Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. Credit ratings, research reports, methodologies, and related materials published by Egan-Jones are proprietary and may not be reproduced or distributed without express written permission.

Credit ratings issued by Egan-Jones Ratings Company are opinions about the creditworthiness of an entity or financial obligation. They are not recommendations to buy, sell, or hold any security, and they do not address the suitability of any security for a particular investor. Ratings are based on information obtained from issuers and other sources believed to be reliable. Egan-Jones does not audit or independently verify the accuracy of such information. Ratings may be changed, suspended, or withdrawn at any time. Past performance is not indicative of future results. Investors should conduct their own due diligence and consult with their financial advisors before making investment decisions.

To the fullest extent permitted by applicable law, Egan-Jones Ratings Company, its affiliates, officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from: • Your use of or inability to use the Site or its content • Any unauthorized access to or use of our servers or any personal information stored therein • Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, transmitted, or otherwise made available through the Site

The Site and its content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Egan-Jones disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

The Site may contain links to third-party websites or services. These links are provided for your convenience only. Egan-Jones has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.

If you have questions about these Terms of Service, please contact us at: Egan-Jones Ratings Company 1120 Avenue of the Americas, 4th Floor New York, NY 10036 Email: compliance@egan-jones.com Phone: (215) 405-2600