Legal Notices, Information and Disclaimers

The Federal Reserve Bank of St. Louis provides this site as a convenience to its customers, depository institutions and the public. By using this site or the information, data or materials provided (collectively, the "Information") you acknowledge and agree to the following terms and conditions. If you do not agree to these terms and conditions, do not use this site.

Appropriate Use

Some Information contained on this site may be copyrighted by its owner, and permission to use such copyrighted materials must be obtained from the owner and cannot be obtained from the Federal Reserve Bank of St. Louis.

The Federal Reserve Bank of St. Louis does not permit the use of its name in advertising, as an endorsement for any product or service, nor for any other commercial purpose.

Unauthorized attempts to upload or change information, to defeat or circumvent security measures, or to utilize this site for other than its intended purposes are prohibited.

Consent to Monitoring

The Federal Reserve Bank of St. Louis monitors this site. By using this site you expressly consent to such monitoring and you are advised that if such monitoring reveals possible evidence of criminal activity, the Federal Reserve Bank of St. Louis will provide the evidence of such monitoring to law enforcement officials.

Disclaimers

The Information is derived from sources that the Federal Reserve Bank of St. Louis considers sufficiently reliable to justify inclusion; however we cannot guarantee the completeness or accuracy of the Information. The Federal Reserve Bank of St. Louis may periodically update the Information, but makes no commitment to do so. By entering this site you acknowledge and agree that your use of the Information is at your own risk and that none of the parties involved in creating, producing or delivering this site is liable for any loss, injury, claim, liability or damage of any kind resulting in any way from: (a) any errors in or omissions from the Information; (b) the unavailability or delay of the Information; (c) your use of the Information or any conclusions you draw from it, regardless of whether you received any assistance from the Federal Reserve Bank of St. Louis or its employees with regard to the Information; (d) your use of any equipment in connection with the site or anything obtained from the site; or (e) the content of the site, including anything caused by any viruses, bugs or malfunctions. Opinions expressed in this website do not necessarily reflect official positions of the Federal Reserve Bank of St. Louis or the Federal Reserve System.

ALL INFORMATION, DATA AND MATERIALS ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND. THE FEDERAL RESERVE BANK OF ST. LOUIS EXPRESSLY DISCLAIMS ALL WARRANTIES EXPRESS AND IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUALITY AND NON-INFRINGEMENT. NEITHER THE FEDERAL RESERVE BANK OF ST. LOUIS NOR ANY EMPLOYEE OR AFFILIATE SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, OR ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM OR ARISING IN CONNECTION WITH THE USE OR PERFORMANCE OF, OR INABILITY TO USE INFORMATION, DATA OR MATERIALS AVAILABLE FROM THIS SITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, AND REGARDLESS OF THE NEGLIGENCE OF THE BANK OR ANY EMPLOYEE OR AFFILIATE, EVEN IF THE FEDERAL RESERVE BANK OF ST. LOUIS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Software of third parties or links to third-party sites are included as a convenience to users. The Federal Reserve Bank of St. Louis is not responsible for the contents of any third-party software, linked site or any link contained in a linked site, and cannot attest to the accuracy of information provided by any such linked sites. You acknowledge and agree that your use of any third-party software or links is at your own risk. Linking to another web site or providing third-party software from this site does not constitute or imply a site or product endorsement, recommendation or favoring by the Federal Reserve Bank of St. Louis.

Reference to any specific commercial product, process or service does not constitute or imply its endorsement, recommendation or favoring by the Federal Reserve Bank of St. Louis.

All information submitted to the Federal Reserve Bank of St. Louis via this site shall be deemed the property of the Federal Reserve Bank of St. Louis and such information will be deemed to be not confidential.

Trademarks

"ECON LOWDOWN CLICK.TEACH.ENGAGE™" and the ECON LOWDOWN logo, FRED THE FRUGAL EAGLE™, GATEWAY CONFERENCE CENTER™, INSIDE THE ECONOMY™, CENTRAL TO AMERICA'S ECONOMY™, THE FRED NETWORK®, and the Econ Disc logo are trademarks of the Federal Reserve Bank of St. Louis. BERG®, the 8-H logo, CASSIDI®, CRE8®, the Federal Reserve Bank of St. Louis logo, JUMPSTART E-LEARNING SERVICES®, LIBER8®, the Exploring Innovation logo, GEOFRED® and the GEOFRED® logo, ECONDISC®, ALFRED®, FRASER®, ELECTRONIC CURRENTS®, FEDERAL RESERVE CENTER FOR ONLINE LEARNING®, the F logo, EDITH®, and FRED® are registered trademarks of the Federal Reserve Bank of St. Louis.

FEDLINK™, FEDCOMMAND™, FEDAHEAD™, FEDNOW™, FEDMESSENGER™, and FEDINSIGHTS™ are trademarks of the Federal Reserve Banks of Atlanta, Boston, Chicago, Cleveland, Dallas, Kansas City, Minneapolis, New York, Philadelphia, Richmond, San Francisco, and St. Louis, jointly. FEDLINE COMMAND®, FEDEDI®, FEDCASH®, FEDACH RISK®, FEDFLASH®, FEDPAYMENTS®, FEDRETURN®, FEDRECEIPT®, FEDFORWARD®, CANADA CONNECTION®, MY FEDDIRECTORY®, DIRECTO A MÉXICO®, FEDDIRECT®, FEDLINE WEB®, FEDACH®, FEDACH INTERNATIONAL®, FEDLINE DIRECT®, FEDLINE ADVANTAGE®, FEDLINE®, FEDIMAGE®, FEDPHONE®, the FEDLINE® logos, the Financial Services logo, FEDWIRE® and FEDNET® are registered trademarks of the Federal Reserve Banks of Atlanta, Boston, Chicago, Cleveland, Dallas, Kansas City, Minneapolis, New York, Philadelphia, Richmond, San Francisco, and St. Louis, jointly.

Other product and company names mentioned on this site may be the trademarks of their respective owners.

Applicable Law

This site is controlled and operated by the Federal Reserve Bank of St. Louis from its offices in the United States of America. By entering this site you acknowledge and agree that this site will only be construed and evaluated according to United States law. If you use this site from other locations you are responsible for compliance with any and all applicable local laws.

Digital Millennium Copyright Act

The Federal Reserve Bank of St. Louis ("Bank") undertakes to obey all relevant copyright laws, and does not permit copyright infringing activities and infringement of intellectual property rights on its websites. Bank will review all claims of copyright infringement received and remove content deemed to have been posted or distributed in violation of any such laws.

Bank will promptly terminate without notice any registered user's access to its limited access websites if that user is determined by Bank to be a "repeat infringer." A repeat infringer is a registered user who has been notified by Bank of infringing activity violations more than twice and/or who has had their content or any other user-submitted content removed from the Bank's website more than twice. Bank may also at its sole discretion limit access to any limited access site and/or terminate the memberships in any limited access site of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

(a) If you are a copyright owner or an agent thereof and believe that any user content or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):
  1. A physical or electronic signature of the copyright owner or the person authorized to act on its behalf;
  2. A description of the copyrighted work claimed to have been infringed; or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  3. A description of the infringing material and information reasonably sufficient to permit the Federal Reserve Bank of St. Louis to locate the material;
  4. Your contact information, including your address, telephone number, and email;
  5. A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement that the information in the notification is accurate, and, under the pains and penalties of perjury, that you are authorized to act on behalf of the copyright owner.
(b) If you believe that your user content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content in your user content, you may send a counter-notice containing the following information:
  1. Your physical or electronic signature;
  2. Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
  3. A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
  4. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in St. Louis, Missouri, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.
 If a counter-notice is received by Bank, Bank may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Bank's sole discretion.

(c) Claims and counter-notices can be sent to webmaster@research.stlouisfed.org or Research Webmaster, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63166-0442. You acknowledge that if you fail to comply with all of the above requirements of this Section, your DMCA notice or counter-notice may not be valid.

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