Welcome to the Public Funds Investment Institute website (pubfunds.org). The Public Funds Investment Institute website (the “Website”) is an online information service provided by Public Funds Investment Institute (the “Institute”), a Pennsylvania-based nonprofit corporation. By accessing and using the Website, you agree to comply with and be bound by the terms, conditions, and disclaimers contained in this notice (the “User Agreement”). If you do not agree with the User Agreement, please do not use the Website.

1. For Education and Information Purposes Only. The information provided on the Website is for education and information purposes only and is not intended to be investment advice. The Institute is not acting as an investment advisor and recommends that you consult with a qualified investment professional before making any investment decisions. The Institute is not responsible for any actions taken based on the information presented.
2. Not Investment Advice. The Institute does not provide investment advice. Any information provided is for education and information purposes only. We recommend that you consult with a qualified investment professional before making any investment decisions. The Institute is not responsible for any actions taken based on the information presented.
3. Copyright. All copyright, trademarks, and other intellectual property rights on the Website and its content (including the Website design, text, graphics, and all software and source codes connected with the Website) are owned by or licensed to the Institute or otherwise used by the Institute as permitted by law. The use of any content or the Institute’s name and logo is prohibited without prior written consent from the Institute.
4. Links to Third-Party Websites. The Website may include links to third-party websites that are controlled and maintained by others. The Institute is not responsible for the content or availability of any such sites and does not endorse them.
5. No Warranties and Disclaimers. The Website is provided on an “as is” and “as available” basis without warranty of any kind, whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy. The Institute makes no warranty that the functionality of the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or anything else that may be harmful or destructive.
6. Limitation of Liability. To the extent permitted by law, the Institute will not be liable for any direct, special, incidental, indirect, or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website or its content, or the downloading of any content from the Website. This disclaimer of liability includes but is not limited to any possible liability for errors, inaccuracies, omissions, misleading or defamatory statements.
7. Indemnity. You agree to indemnify and hold the Institute and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs, and other expenses in relation to any claims or actions brought against the Institute arising out of any breach by you of the terms and conditions of this Agreement or other liabilities arising out of your use of this Website.
8. Severance. If any of these terms and conditions should be determined to be invalid, illegal, or unenforceable for any reason by any court of competent jurisdiction, then such term or condition shall be severed, and the remaining terms and conditions shall survive and remain in full force and effect, and this Agreement shall continue to be binding and enforceable.
9. Changes to Terms and Conditions in this Agreement. The Institute reserves the right to change or remove (temporarily or permanently) the Website or any part of it without notice and to change the terms and conditions of this Agreement at any time and effective immediately. Your continued use of the Website following any changes shall be deemed to be your conclusive acceptance of such change.
10. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the United States, and you hereby submit to the exclusive jurisdiction of the United States courts
11. Use of Personal Information. Please refer to the Institute's Privacy Statement. Personal information provided to the Institute, such as name, street address, telephone number, or email address, will not be released to any non-affiliated entity without your consent.