Terms and conditions apply to the use of RichmondFed.org, its content and steps we take to protect the privacy of our users, who include customers, depository institutions and the public. By using this site or the information, data, materials or software provided, you acknowledge and agree to these terms and conditions.
The Federal Reserve Bank of Richmond provides this Website, RichmondFed.org, as a convenience to its customers, depository institutions and the public. By using this Website or the information, data, materials or software provided on this Website you acknowledge and agree to the following terms and conditions. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, DO NOT USE THIS WEBSITE.
The Federal Reserve Bank of Richmond monitors this Web site. By using this Web site you expressly agree to such monitoring and you are advised that any evidence of criminal activity may be provided to law enforcement officials.
Unauthorized attempts to upload or change information, to defeat or circumvent security measures or to utilize this site for other than its intended purpose are prohibited.
Website users are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of RichmondFed.org content and all charges related thereto.
By subscribing to one of the Federal Reserve Bank of Richmond's e-mail notification or subscription services via this Website you agree to waive any claim against the Federal Reserve Bank of Richmond for any messages that you may receive by reason of your subscription to this service and/or any resultant harm you and/or your computer may receive from such messages. You also authorize the Federal Reserve Bank of Richmond to maintain your name and contact information in its files and continue to send you e-mail notifications until you provide the Federal Reserve Bank of Richmond with an e-mail, in accordance with the procedures detailed in the e-mail notification that you wish to "unsubscribe" to the service.
The Federal Reserve Bank of Richmond takes reasonable measures to ensure the quality of the information made available on this Website. The Federal Reserve Bank of Richmond 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 on this site 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 Richmond 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. Any conclusions that users draw from the information presented here are his or hers and are not to be attributed to the Federal Reserve Bank of Richmond. The views expressed in various publications, working papers or elsewhere on this Website do not necessarily reflect the views of the Federal Reserve Bank of Richmond or of the Federal Reserve System.
The Federal Reserve Bank of Richmond may provide various links to Websites outside of this Website (hereafter "External Websites") as an additional resource for our users. External Websites may also link to the Federal Reserve Bank of Richmond's Website (External Websites that are linked to this Website or that are linked to by this Website shall be referred to as "Linked Websites "). Linked Websites are not under the control of the Federal Reserve Bank of Richmond. Linked Websites may contain material that is protected under copyright or other laws with restrictions on use. The Federal Reserve Bank of Richmond makes no warranty, express or implied, nor assumes any liability or responsibility for any information that is available on any Linked Websites. Neither inclusion of links to External Websites nor External Websites inclusion of links to this Website imply the Federal Reserve Bank of Richmond's sponsorship, endorsement, recommendation or approval of the sites, the entities or organizations managing the sites, any views expressed on the sites or any products or services offered.
This privacy notice provides a high-level overview of Federal Reserve Bank (Reserve Bank) activities that rely at least in part on use of personal information. We seek to provide transparency into relevant Reserve Bank functions, the personal information involved, and general uses of such information. Read the full notice.
The Federal Reserve Bank of Richmond does not warrant that any information contained on this Website does not defame any individual or entity or infringe upon any individual's or entity's rights of privacy or publicity.
THE FEDERAL RESERVE BANK OF RICHMOND PROVIDES NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, QUALITY AND NON-INFRINGEMENT OF ANY INFORMATION ON THIS WEBSITE. ALL INFORMATION, DATA AND MATERIALS ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND. THE FEDERAL RESERVE BANK OF RICHMOND SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER KIND OF DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, OR ATTORNEY'S FEES) THAT ARE IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OR PERFORMANCE OF, OR INABILITY TO USE INFORMATION AVAILABLE FROM THIS WEB SITE, REGARDLESS OF WHETHER THE FEDERAL RESERVE BANK OF RICHMOND HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, INCLUDING LIABILITY FOR ANY VIRUS THAT MIGHT INFECT A USER'S COMPUTER SYSTEM.
This Website is controlled and operated by the Federal Reserve Bank of Richmond from its offices within the Commonwealth of Virginia, United States of America. By entering this site you acknowledge and agree that all matters relating to this Website will be construed and evaluated according to the laws of the United States, and the United States District Court for the Eastern District of Virginia shall have original jurisdiction over any disputes related to this web site. In the event of no applicable Federal law, the laws of the Commonwealth of Virginia shall govern without regard to its conflict of law rules. If you use this site from other locations you are responsible for compliance with any and all applicable laws of those or any other applicable locations.
This Website contains copyrighted materials, trademarked materials and other proprietary information, including but not limited to text, software, graphics, photos, video, logos and buttons, music and sound, that are the property of the Federal Reserve Bank of Richmond or third parties. In most cases, to utilize these materials permission must be obtained from the owner of rights in the materials.
Most materials created by the Federal Reserve Bank of Richmond, whether they contain a copyright notice or not, are protected from unauthorized use by copyright law. To utilize those materials in which the copyright is owned by the Federal Reserve Bank of Richmond, permission must be granted by the Federal Reserve Bank of Richmond. The Federal Reserve Bank of Richmond hereby grants permission to reproduce written materials in which the Federal Reserve Bank of Richmond owns the copyright, provided however, that reproduction is not for the purpose of private and/or commercial gain and these materials are appropriately credited to the Federal Reserve Bank of Richmond. If you wish to utilize Federal Reserve Bank of Richmond copyrighted materials in any other way, such as republication or distribution, you must contact the Federal Reserve Bank of Richmond and obtain written permission to do so. To utilize materials in which the copyright is owned by a third party, you must contact that third party.
The Federal Reserve Bank of Richmond does not permit the use of its name in advertising, as an endorsement for any product or service, or for any other purpose, commercial or otherwise.
Trademarks and service marks owned by the Federal Reserve Banks may NOT be used without express written permission from the owner of the mark.
The following are registered marks, which may appear on this Web site, of companies not affiliated with the Federal Reserve Bank of Richmond:
Other product names and company names referenced may be either trademarks and/or service marks of their respective companies. Permission to use any marks of unaffiliated third parties must be obtained from those third parties.
External entities may link to the Federal Reserve Bank of Richmond without obtaining written permission provided the following requirements are complied with:
By including a link on its site, an external entity agrees that upon request by the Federal Reserve Bank of Richmond at any time for any reason, the entity shall immediately remove the link from its Web site.