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Calvert Impact Capital Privacy Policy and Terms of Use

Privacy Policy

1. Our Commitment to Your Privacy

Calvert Impact Capital, Inc.® ("Calvert", "we" or "us") recognizes the importance of data privacy in today's digital economy. We believe that privacy is a matter of trust, and we are committed to managing personal data lawfully, fairly and transparently. We want our website visitors, customers, and business partners (collectively, "you" or "your") to understand the ways we collect and use personal data about you.

This Privacy Policy describes:

2. Policy Scope

This Privacy Policy applies to our business operations in Bethesda, Maryland and to the website calvertimpactcapital.org, and its subdomains invest.calvertimpactcapital.org, notes.calvertimpactcapital.org, agestronginvest.org and ourstoown.org (collectively and hereafter, the "Site"), which are all hosted in the United States.

3. Ways We Collect Your Personal Data

3.1. In General

We collect only personal data that you provide to us voluntarily and with your consent. Calvert takes measures to ensure that we collect personal data for specified, explicit and legitimate reasons only – namely, to provide services to you and meet our legal obligations. We also take steps to limit the personal data we collect to only the minimum necessary to carry out our mission.

We may collect your personal data when you:

  • Communicate with us via e-mail or other channels;
  • When you sign up for our financial reports and newsletters, or;
  • When you sign up for an event.

In these instances, we may collect personal data such as your name, e-mail address, postal address, phone and fax number, company name, job title and/or your impact areas of interest (for example: climate change or affordable housing).

If you request materials or invest in our Community Investment Notes®, we may also collect personal data, such as your birthdate, social security number, bank account and optional demographics (occupation, location, etc.).

3.2. Log Files

We use log files to record data about each users’ visit to our Site. When you visit the Site, we collect the IP (Internet Protocol) address connected to your computer (or the proxy server you use to access the World Wide Web), your computer operating system, the type of browser you are using, mobile device operating system (if you are accessing the Site using a mobile device), as well as the name of your ISP ("Internet Service Provider") or your mobile carrier. We use this information to analyze overall trends to help improve the Site. We do not share log data with third parties unless required by law to do so.

3.3. Cookies

We use cookies, which track user behavior, to inform enhancements to the overall user experience on our Site. A cookie is a piece of data stored on your device, containing information about your online activity.

We do not use cookies to record personal data about you. Once you close your browser, the cookie simply terminates. If a you reject the cookie, you may still use our Site. If you reject a cookie, Site functionality may be limited in areas.

We use cookies to simplify data entry on the following areas of our Site:

  • Email when logging in; and
  • Name, email and interest areas when updating registration.

3.4. Third-Party Use of Cookies and Other Tracking Technologies

We use Google Analytics and Hotjar to understand Site users' needs and to optimize the Site's service and experience. Google Analytics and Hotjar track usage information on the Site, including top webpages, what links users click, time spent on the Site, visitor demographics, and sources of traffic to the Site. Google Analytics and Hotjar use cookies and other technologies to collect data on users’ behavior and their devices (in particular devices' IP address captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and preferred language used to display on the Site.

We do not use Google Analytics or Hotjar to track, collect or upload any data that personally identifies an individual (such as a name, email address or billing information), or other data which can be reasonably linked to such information by Google Analytics or Hotjar. Refer to the Google Analytics Terms of Service and Hotjar's Privacy Policy for more information.

We do not control these third parties' tracking technologies or how they may be used. You may opt-out of Hotjar here and Google Analytics here.

3.5. Surveys

From time to time, we may collect information from you via an online survey. Participation in these surveys is completely voluntary. Information requested may include personal and demographic information. Survey information will be used for purposes of monitoring and improving the Site and/or Calvert products and services.

3.6. Your Consent to Our Collection and Subsequent Use

By using this Site or otherwise communicating with Calvert electronically, you consent to our collection and subsequent use of your personal data for our legitimate business uses. If you do not consent to such collection or subsequent use of your personal data, please do not use this Site or communicate with Calvert.

4. Ways We Use Your Personal Data

We may use your personal data to communicate with you and provide you investment services. For example, we may use your personal data to:

  • Send you our Impact Report or our monthly email update;
  • Send you invitations to events and conferences;
  • Answer questions you submit to us;
  • Maintain our contact list;
  • Administer our investment services; and
  • Comply with our legal and contractual obligations.

If you are an investor in the Community Investment Notes, we may also use your personal data to process your investment application, to maintain your account and to provide updates related to the Community Investment Notes.

If you wish to request that Calvert refrains from using your personal data to communicate with you, please submit your request to Calvert by using the contact information below.

5. Ways We Share Your Personal Data

5.1. In General

We have not and will not sell or lease your personal data to third parties. In the context of the uses of personal data mentioned in the section above, we may share your personal data with third-parties we engage to help provide services to you. These third parties include, but are not limited to, organizations that provide:

  • Payment processing for our Community Investment Notes;
  • Customer relationship management (CRM) platform;
  • Business resilience and disaster recovery;
  • User authentication tools and services;
  • Auditing platforms and services;
  • Correspondence regarding investments; and
  • Email and direct marketing tools and services.

Our third-party service providers maintain their own Privacy Policies. We encourage you to visit their websites to learn more.

5.2. Special Circumstances

We may also share your personal data in special circumstances, such as:

  • As required to by law or in response to a subpoena or other government information request;
  • If we believe that the disclosure is in the interest of your security or the security of Calvert (including exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction);
  • If we merge with or are acquired by another company, or;
  • If we go out of business, enter bankruptcy, or go through some other change of control.

5.3. Sharing Aggregate Information

When Calvert requests demographic information requested during an information request or registration, you have the option not to provide this information. We encourage you to do so that we may gain a better understanding of your needs, and so that we may serve you in a more personalized manner.

In certain instances, we may share aggregate information with strategic partners. For example, we may tell a partner that X number of individuals visited a certain area on the Site, or that Y number of men and Z number of women filled out our registration form. We do not disclose information that could be used to uniquely identify you.

5.4. Opting-Out of Sharing Your Personal Data

You have choices regarding the ways we share your personal data with third parties. If you wish to opt-out, please submit your request to Calvert by using the contact information below.

6. Personal Data Retention

We retain your personal data for as long as you are a business contact to us or as needed to provide you services (including to service any investment you may have in the Community Investment Note). Though you may have the right to request that we delete your personal data under GDPR, Calvert will retain and use your personal data as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

7. Special Notice for Individuals in the European Economic Area (EEA)

If you are resident in the European Union (EU), please be aware that we operate the United States. As such, we may transfer your personal data from the European Economic Area (EEA) to the US to provide you services or otherwise communicate with you. Calvert takes measures to ensure that your personal data is adequately safeguarded when transferred, processed, and stored in the United States or elsewhere. In doing so, we aim to comply with applicable EU data privacy laws and regulations.

By using Calvert's services or otherwise communicating with us electronically, you acknowledge that we may transfer, process or store your personal data outside the EEA, and that we may share your personal data as described in the How We Share Your Personal Data section above.

8. Individual’s Rights Under the General Data Protection Regulation (GDPR)

If you are resident in the European Union (EU), you have certain data privacy rights under the General Data Protection Regulation (GDPR). These rights include:

  • Access: You have the right to access your personal data held by Calvert.
  • Correction, Amendment and Removal: You have the right to correct or amend your personal data held by Calvert. You also have a right to request that Calvert deletes certain personal data about you.
  • Restriction: You have the right to restrict processing of your personal data held by Calvert if you contest the accuracy of your personal data held by Calvert or the lawfulness of Calvert’s processing of your personal data.
  • Portability: You have the right to receive your personal data held by Calvert in a structured, commonly-used and machine-readable format. You also have the right to transmit your personal data to another organization without hindrance from Calvert.
  • Objection: You have the right to object, on grounds relating to your particular situation, to Calvert’s processing of personal data about you, unless Calvert demonstrates compelling legitimate grounds for continuing such processing. You also have the right to object to any automated decision-making (such as user profiling) used by Calvert.
  • Complaints: You have the right to lodge a complaint or concern about our data privacy practices with Calvert directly and/or with an appropriate supervisory authority, as defined by GDPR.

If you wish to exercise any of your rights under GDPR, as described above, please submit your request to Calvert by using the contact information below.

9. California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. If you wish to exercise your rights under California law, as described above, please submit your request to Calvert by using the contact information below.

10. Individuals Under the Age of 16

Our Site is not intended for individuals under 16 years of age and Calvert does not knowingly collect personal data from individuals under 16 years of age. An individual under age 16 should avoid providing any personal data to the Site without verifiable parental consent. If we learn that we collected or received personal data from an individual under 16 without verified parental consent, we will permanently delete that information.

11. Data Security

We constantly strive to align our data security practices with industry standards for securely handling, transmitting and storing personal data. To prevent unauthorized access, maintain data accuracy and the correct use of information, Calvert implements administrative, physical and technical measures to safeguard and secure the information we collect on this Site. Access to your personal data on the Site is password-protected and the Site utilizes industry-accepted encryption technologies and strengths to reduce the risk that others can view information passing between our Site and your browser.

Since the Internet is not a completely secure environment, we cannot ensure or warrant the security of any information you transmit to us. Calvert offers no guarantees that information cannot or will not be accessed, disclosed, altered or destroyed by a breach of any of our administrative, physical or technical measures.

12. Notification in Event of Data Breach

Calvert is obligated by international, federal and state laws and regulations to notify individuals in the event of a breach of personal data. We will promptly notify those individuals whose personal data has been compromised, in accordance with notification procedures defined in our internal policies, and as required by applicable law.

13. Links

This Site may contain links to and from other third-party sites. Please be aware that Calvert is not responsible for the privacy practices of these third-party sites. We encourage you to be aware when you leave our Site, and to read the privacy statements of each website that collects your personal data.

16. How to Contact Us

You may contact us directly via post, phone, or email:

 

Calvert Impact Capital, Inc.

7315 Wisconsin Avenue, Suite 1000W

Bethesda, MD 20814

800.248.0337

This e-mail address is being protected from spambots. You need JavaScript enabled to view it

 

If you request to opt-out, there will be a 30-day period before such opt-out will take effect.

17. Updates to this Privacy Policy

This Privacy Policy and Terms of Use were reviewed and updated on May 25, 2018. We reserve the right, at our discretion, to change, modify, add, or remove portions of this Privacy Policy or Terms of Use at any time. Your continued use of the Site following reasonable notice of such modifications constitutes your acceptance of any changes to this Privacy Policy or Terms of Use.

 

 

Website Terms of Use

Calvert Impact Capital, Inc. ("Calvert", "we" or "us") owns and operates calvertimpactcapital.org, and any sub-domain thereof (collectively, the "Site"). Please review this Website Terms of Use Agreement ("Terms of Use" or "Agreement") carefully before using this Site. By registering for, logging into, visiting and/or otherwise using the Site in any way, you indicate that you understand and intend this Agreement to be the legal equivalent of a signed written contract and equally binding, and that you accept the terms of use as set forth in this Agreement and agree to be legally bound by them.

We reserve the right, in our sole discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Changes to these Terms will become effective immediately upon the posting thereof. Your continued use of the Site following reasonable notice of such modifications will be conclusively deemed acceptance of any changes to these Terms of Use. You agree that notice of changes to these Terms of Use posted on the Site constitutes reasonable and sufficient notice. At all times, you are bound by the then-current version of these Terms of Use, the Privacy Policy, and all applicable laws. We highly recommend that you review these Terms of Use from time to time to ensure that you are familiar with the most recent version.

1. Terms of Use

1.1. Contents of Site

As between you and Calvert, this Site (including the underlying software and files) and content provided on this Site, are the exclusive property of Calvert, and are protected by law, including United States copyright, database,trade secret, and trademark law, as well as other state, national and international laws and regulations. Except as expressly provided in this Agreement, Calvert does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this Site. You must not use such marks without the prior written permission of Calvert. The contents are Copyright ? 2018, Calvert Impact Capital, Inc. All rights reserved.

You may include insubstantial portions of information from this Site in memoranda, reports and presentations, but only if such memoranda, reports and presentations are distributed or otherwise made available in non-electronic form, to a limited number of individuals. You must attribute the information to Calvert in all such memoranda, reports and presentations; such attribution to appear in a form and format reasonably acceptable to Calvert. The Print Creator Too is already setup to display the Calvert logo appropriately. All other usage, in part or whole, must include copyright notices from Calvert with the phrase "Reprinted with permission from Calvert (https://www.calvertimpactcapital.org)." You may not post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of Calvert.

1.2. Disclaimers

THE INFORMATION INCLUDED ON THIS SITE IS PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS AND WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND. INFORMATION PROVIDED IS OBTAINED FROM SOURCES DEEMED TO BE RELIABLE, HOWEVER, CALVERT MAKES NO REPRESENTATION OR WARRANTY, EITHER EXPRESS OR IMPLIED, AS TO THE ACCURACY, RESULTS, TIMELINESS, COMPLETENESS, ADEQUACY, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE WITH RESPECT TO THE SITE OR ANY OF ITS CONTENT, OR THAT THE SITE OR ANY OF ITS CONTENT WILL BE ERROR-FREE OR UNINTERRUPTED. FURTHER, THE INFORMATION AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU ASSUME THE SOLE RISK OF MAKING USE OF THIS SITE AND THE CONTENT IT PROVIDES.

UNDER NO CIRCUMSTANCES WILL CALVERT BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING FROM YOUR ACCESS OR USE OF THIS SITE OR THE CONTENT IT PROVIDES, INCLUDING, BUT NOT LIMITED TO, COMPENSATION, REIMBURSEMENT OR DAMAGES ON ACCOUNT OF THE LOSS OF PRESENT OR PROSPECTIVE PROFITS, EXPENDITURES, INVESTMENTS OR COMMITMENTS, WHETHER MADE IN THE ESTABLISHMENT, DEVELOPMENT OR MAINTENANCE OF BUSINESS REPUTATION OR GOODWILL, FOR LOSS OF DATA, COST OF SUBSTITUTE MATERIALS, PRODUCTS, SERVICES OR INFORMATION, COST OF CAPITAL, AND THE CLAIMS OF ANY THIRD PARTY, OR FOR ANY OTHER REASON WHATSOEVER, EVEN IF CALVERT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The content on this Site, including discussions of certain nonprofit organizations and their programs, are provided as general information only and are not intended to provide investment, accounting, tax or legal advice. Not all investment opportunities offered by any organization are available in all countries or states within the United States, and nothing on this site constitutes an offer or solicitation of these investments, products or services in any jurisdiction where their offer or sale is not qualified or exempt from registration.

Under no circumstances will Calvert, or any of its employees, agents, successors, assigns, affiliates or content or service providers be liable to you or other third parties for any loss, injury, claim, liability or damage of any kind (including, without limitation, attorneys' fees and lost profits, opportunities or savings) resulting from, arising out of or any way related to your access or use of this Site or the content it provides, including:

a.) any errors in, inaccuracies, omissions or other defects in authenticity of the information, including but not limited to content, technical inaccuracies and typographical errors; or

b.) any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

In the event you use this Site to subscribe for and purchase Calvert Community Investment Notes ("Notes"), nothing in the foregoing shall operate as a waiver or release of your rights under the Securities Act of 1933, as amended, or any applicable state securities law, in connection with such purpose of Notes.

TO THE EXTENT PERMITTED BY LAW, CALVERT DISCLAIMS LIABILITY FOR ANY DIRECT DAMAGES BASED ON YOUR ACCESS OR USE OF THE SITE AND ITS CONTENT.

2. Restrictions on Use

You represent and warrant to Calvert that you will not use this Site for any purpose that is unlawful or prohibited by these Terms of Use, including but not limited to attempting or actually (a) disrupting, impairing, overburdening, damaging, impairing or otherwise interfering with the operation or integrity of the Site (including impairing any other party’s ability to engage in real time activities through the Site) or circumventing any Site security system, (b) collecting any information about other users of the Site, (c) systematically extracting content or other information or data contained in the Site (including through use of any robot, spider or other automatic device, process or means), (d) use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent, (e) use any device, software, or routine that interferes with the proper working of the Site, (f) introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful, (g) attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site, (h) attack the Site via a denial-of-service attack or a distributed denial-of-service attack, or (i) otherwise attempt to interfere with the proper working of the Site.

You further represent and warrant that you will not (a) post, store, transmit or otherwise use the Site in connection with any materials that may constitute or be comprised of any material that is unlawful or prohibited by this Agreement, (b) claim a relationship with or speak for any individual, business, association, institution, or other organization for which you are not authorized to claim such a relationship (including but not limited to Calvert); (c) provide false or misleading personal information or email addresses, or impersonate any other person or entity; (d) for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise; (e) harass another person; (f) violates applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries), (g) is threatening, libelous, harassing, defamatory, vulgar, obscene, pornographic, profane, invasive of another's privacy, hateful, or ethnically, racially, or otherwise objectionable; (h) infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any person, or (i) consists of unsolicited advertising, promotional materials, or other forms of solicitation to other users including, without limitation, "junk mail," "spam," "chain letters," or "pyramid schemes."

3. Prospectus and Risk Disclosure

In the event you use this Site to subscribe for and purchase the Notes, you should carefully review the prospectus pertaining to the offering of such Notes, which may be obtained by calling 800.248.0337 or by viewing and downloading a prospectus here. You should carefully consider the information, including the risk factors, included in this prospectus before investing.

4. Modifications to Site

Calvert reserves the right to change this Site and any information on this Site, including but not limited to, revising and/or deleting features or other information, and materials, products, and services described on this Site, without prior notice. The content presented on this Site may vary depending upon your browser limitations.

5. Third-Party Links

Calvert may describe, reference, or provide links, in its sole discretion, to other information or products or sites on the World Wide Web for your convenience in locating related information and services. Any descriptions of, references to, or links to other products, publications or services does not imply endorsements of any kind, unless expressly stated by Calvert. Any such information, products or sites have not necessarily been reviewed by Calvert and are provided or maintained by third parties over which Calvert exercises no control. In addition, to the extent that they were reviewed by Calvert, Calvert undertakes no responsibility for continually monitoring such websites; the material at a site when Calvert viewed it may differ materially than when you do. Accordingly, Calvert expressly disclaims any responsibility for the content of these other third-party websites, the accuracy of the information on these websites or the quality of products or services provided by the organizations that maintain them.

You may not create a link from another website or any other Internet location to the Site without prior written consent from Calvert. Deep linking to internal pages of the Site is expressly prohibited.

6. Registered Users; Eligibility; Use of Password

A user is eligible to become a registered user of the Site if the user (i) is a U.S. resident over the age of 16 years old and (ii) agrees to abide by the terms of this Agreement and Calvert's Privacy Policy. By using the Site, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of the foregoing requirements, you must not access or use the Site.

Registered users will receive an account and password. You are responsible for maintaining the confidentiality of your account and password. You are fully responsible for all activities that occur using your account or password. Please notify Calvert immediately of any unauthorized use of your account or password or any other breach of security. Calvert will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You must not use anyone else's password at any time.

7. Dwolla

In order to use the bank account linking functionality that is part of Calvert's investment platform, you must open an "Access API" account provided by our payment partner Dwolla, Inc. ("Dwolla"), and by opening such account you are deemed to have accepted the Dwolla Terms of Service and Privacy Policy. Any funds held in your Dwolla account are held by Dwolla's financial institutional partners as described in the Dwolla Terms of Service. You hereby authorize Calvert to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. Your Dwolla account will be accessed using Calvert's web application. Calvert's web application is subject to Calvert's Terms of Service and Privacy Policy, and all notifications will be sent by Calvert, not Dwolla. If you have any questions about Calvert's investment platform or Dwolla, please contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it . 

8. Assumption of Risk

You use the Internet solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. Although Calvert has endeavored to create a secure and reliable Site, the confidentiality of any communication or material transmitted to/from this Site over the Internet cannot be guaranteed. Accordingly, Calvert is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Site, or for the consequences of any reliance on such information. Calvert shall have no liability for interruptions or omissions in Internet, network or hosting services. You assume the sole and complete risk of using this Site.

9. Events beyond Calvert's Control

You expressly absolve and release Calvert, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from any claim of harm resulting from a cause beyond its control including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or software failures, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions.

10. Indemnity

You agree to indemnify and hold harmless Calvert, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys' and professionals' fees and court costs) arising out of any third-party claims based on or related to your use of this Site or any breach by you of these Terms of Use.

11. Suspension, Termination

Calvert reserves the right at any time and for any reason to deny you access to the Site or any portion thereof, and/or to terminate this Agreement.

12. Waiver; Severability

Failure to insist on strict performance of any of the provisions of this Agreement will not operate as a waiver of any subsequent default or failure of performance. No waiver by Calvert of any right under this Agreement will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. If any provision of this Agreement is held unlawful, void or unenforceable for any reason by a court or tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect. These Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Calvert regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

13. Reliance on Information Posted

The information presented on or through the Site is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.

This Site may include content provided by third-parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by Calvert, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Calvert.

We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third-parties.

14. Geographic Restrictions

The owner of the Site is based in the state of Maryland in the United States. We provide this Site for use only by persons located in the United States. We make no claims that the Site or any of its content is accessible or appropriate outside of the United States. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

15. Governing Law and Forum

This Agreement shall be governed by the laws of Maryland, without regard to conflicts of law rules, and the exclusive jurisdiction and venue for any dispute shall be Maryland. You agree to submit to the jurisdiction of the state and federal courts in Maryland for the purposes of any judicial proceedings relating to or arising from this Agreement.