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These terms and conditions are specific to this website and do not relate to any site of The Vanguard Group, Inc. ("VGI") or the site of any other member of The Vanguard Group of Companies (as defined under 'About Vanguard Group (Ireland) Limited' below), although VGI and other members of The Vanguard Group of Companies do have certain rights under these terms and conditions, as provided for in these terms and conditions. These terms and conditions are intended to be enforceable by Vanguard Group (Ireland) Limited and VGI and also by other members of The Vanguard Group of Companies, as well as by you.
This website will not be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal. The distribution of the information contained in this website in certain countries may be restricted by law and, accordingly, persons who access it are required to inform themselves about and to comply with any such restrictions. When using this website, you must comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to download the information contained on this website in certain countries and Vanguard Group (Ireland) Limited and each other member of The Vanguard Group of Companies disclaims all responsibility if you download any information from this website in breach of any law or regulation of the country in which you reside.
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The value of investments, and the income from them, may fall or rise and investors may get back less than they invested. The value of any investment may fall or rise as a result of change in exchange rates. Some funds may invest in emerging markets which can be more volatile than more established markets. As a result the value of any investment may rise or fall. Corporate bonds may provide higher yields but as such may carry greater credit risk increasing the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Fixed interest securities also carry the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Movements in interest rates are likely to affect the capital value of fixed interest securities. Investments in smaller companies may be more volatile than investments in well-established blue chip companies. Some funds may invest in derivatives. The risks associated with the use of derivatives are different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments. There is no assurance that any derivative strategy used by any fund will succeed and a fund may suffer a substantial loss as a result. Past performance is not a reliable indicator of future results.
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Vanguard Annuity Access is offered in collaboration with Hueler Investment Services, Inc. through the Income Solutions platform. Income Solutions is a registered trademark of Hueler Investment Services, Inc. and used under license. United States Patent No. 7,653,560.
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Morningstar data © Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) does not constitute investment advice offered by Morningstar; and (4) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
The funds or securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities. The prospectus or the Statement of Additional Information contains a more detailed description of the limited relationship MSCI has with Vanguard and any related funds.
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Automated Form and Signature Capture Technology Licensed under Comfidex U.S. Patents 6,189,009 and 6,725,220.
Vanguard owns issued patents for its Vanguard Exchange-Traded Funds ("Vanguard ETFs") under U.S. Patent Nos. 6,879,964; 7,337,138; 7,720,749; 7,925,573; and 8,090,646.
Vanguard owns issued patents for its Auto-Rebalancing methodology under U.S. Patent Nos. 7,149,713 and 7,552,079.
Vanguard owns issued patents for its Bond ETF Dividend Declaration model under U.S. Patent Nos. 7,792,725 and 8,175,944.
Vanguard owns issued patents for its Personal QDI Calculation Process under U.S. Patent No. 7,953,661.
Vanguard owns issued patents for its Managed Payout Funds under U.S. Patent Nos. 8,180,695; 8,185,464; and WIPO Application No. WO2009/036276.
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NEITHER VANGUARD GROUP (IRELAND) LIMITED NOR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE UNDER ANY CIRCUMSTANCES INCLUDING BUT NOT LIMITED TO NEGLIGENCE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS WEBSITE, EVEN IF VANGUARD GROUP (IRELAND) LIMITED OR A VANGUARD GROUP (IRELAND) LIMITED-AUTHORISED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
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Vanguard Group (Ireland) Limited may disclose your personal data to other members of The Vanguard Group of Companies, including, without limitation, those outside the European Economic Area for the purposes stated above. Vanguard Group (Ireland) Limited may also disclose your personal data to agents and service providers (within and outside the European Economic Area) of The Vanguard Group of Companies for the purposes stated above (who may also collect and process your personal data), to third parties located outside the European Economic Area for purposes similar to those stated above or if Vanguard Group (Ireland) Limited or any other member of The Vanguard Group of Companies are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply these terms and conditions or other agreements, or to protect the rights of Vanguard Group (Ireland) Limited, their customers, or others. By using this website, you consent to processing of your personal data in accordance with these terms and conditions and you warrant that all data provided by you is accurate.
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If any provision of these terms and conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and conditions and will not affect the validity and enforceability of the remaining provisions of these terms and conditions. These terms and conditions represent the entire agreement between you and each member of The Vanguard Group of Companies relating to the subject matter herein.
Issued by Vanguard Group (Ireland) Limited which is authorised and regulated in Ireland by the Central Bank of Ireland.