Acceptance of the Terms and Conditions of Use

These terms of use, with any documents expressly incorporated by reference herein (collectively, the “Terms of Use”), are entered into by and between Tandem Investment Advisors, Inc. (“Tandem”, “We”, or “Our”) and you. These Terms of Use govern your access to and use of www.tandemadvisors.com (the “Website”), which is owned and operated by Tandem, and any content, functionality, and associated services offered on or through the Website. Please read these Terms of Use carefully before you begin to use the Website. By visiting or using the Website, you accept and agree to be bound and abide by these Terms of Use and Our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

Changes to the Terms of Use or Website

Tandem reserves the right to alter, modify, update, add or remove any information, including these Terms of Use, on the Website at any time. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes. Tandem may also update content on the Website, but such content is not necessarily complete, accurate, or up to date. Any material on the Website may be out of date at any given time, and Tandem is under no obligation to update such material.

Use of the Website

Tandem reserves the right to withdraw or amend this Website and any service, product, or material provided on the Website in Our sole discretion without notice. Tandem will not be liable if for any reason the Website or any part thereof is unavailable at any time or for any period. From time to time, Tandem may restrict users’, including registered users’, access to all or parts of the Website.

This Website is made available for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced on or through this Website. Nor does this Website constitute an offering or recommendation by Tandem of any security, investment management service, or advisory service. Tandem does not provide investment advice, tax advice, or legal advice through this Website, and you agree that this Website will not be used by you for such purposes. Tandem does not represent that the securities, products, or services discussed on, or accessible through, this Website are suitable for any particular investor. You acknowledge that your requests for information are unsolicited, and the provision of any information through this Website shall not constitute or be considered investment advice, or an offer to sell, or a solicitation of an offer to buy any security.

Tandem does not warrant the accuracy, completeness, or usefulness of any information on the Website. Any reliance you place on such information is strictly at your own risk and We disclaim all liability and responsibility arising from any reliance placed on such materials. This Website may include content provided by third parties. All statements and opinions expressed in third- party materials or any content not created/provided by Tandem are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Tandem, and 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. Any articles or links found on this Website are provided solely for informational purposes and are believed to be reliable, however, Tandem makes no warranty as to the accuracy of any such articles or links. Use of any website hyperlinked to or from this Website shall be at your own risk.

Tandem reserves the right to monitor the use of this Website. Any information gathered during Tandem’s monitoring may be used by Tandem for internal business purposes or in accordance with any applicable laws or regulations. This Website is published for use by United States residents only – if you are not a U.S. resident, you access this Website on your own accord and are responsible for compliance with any local laws.

Restrictions on Use of the Website

As a condition of your use of this Website, you warrant to Tandem that you will not use the Website for any purpose that is unlawful or prohibited by these Terms of Use. You further agree that you will not:

• Use any data mining or scraping techniques or other automated devices or programs to catalog, download or otherwise reproduce, store or distribute content available on this Website;
• Take any action to attempt to gain unauthorized access to this Website, or to circumvent, disable, disrupt, interfere with, or otherwise violate the security of the Website;
• Display, send, receive, or store obscene or inappropriate content;
• Threaten, harass, stalk, defame, or defraud any person or entity;
• Violate copyright, trademark, or other intellectual property laws;
• Advertise, promote, endorse, or market, directly or indirectly, any third-party commercial products or services;
• Attempt to collect, store, or publish personally identifiable information without the owner’s knowledge and consent;
• Distribute unwanted, unsolicited, or harassing mass e-mails or other messages, promotions, advertising, or solicitations, or send deceptive or false source-identifying
  information (e.g., “spoofing” or “phishing”);
• Attack, abuse, interfere with, intercept, disrupt, or exploit any users, systems, or services, such as by distributing malware, viruses, spyware, adware, etc.;
• Engage in or promote any illegal or criminal activity; or
• Authorize, permit, enable, induce, or encourage any third party to do any of the above.

If you violate these Terms of Use, Tandem may immediately and without notice terminate your access to the Website.

Intellectual Property Rights

This Website and all content on the Website such as text, graphics, logos, images, audio, video, data, music, software, and other material is owned or licensed property of Tandem or its licensors, and is protected by copyright, trademark, patent or other proprietary rights. The collection, arrangement and assembly of all content on the Website is the exclusive property of Tandem and is protected by U.S. and international copyright laws. The trademarks, names, and logos displayed on the Website are the property of Tandem or other third parties. Tandem and its licensors expressly reserve all intellectual property rights in all content on the Website. You must not use, copy, modify or display such content in any manner without the express consent of Tandem or the third party that owns such property. These Terms of Use grant you a limited, revocable, non-sublicensable right to view the Website and the content on the Website solely for your own internal use. You must not access or use for any commercial purposes any part of the Website or any content available through the Website.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the state of South Carolina, excluding any conflict of laws rules or principles. If there is any dispute relating to the Website or these Terms of Use, you and Tandem agree to exclusive personal jurisdiction and venue in the state and federal courts of Charleston County, South Carolina, United States of America.

Arbitration

At Tandem’s discretion, We may require you to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the then-current and applicable rules of the American Arbitration Association applying South Carolina law.

Waiver and Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, that provision will be struck and the remaining provisions will remain in full effect. If you or others violate these Terms of Use and Tandem takes no immediate action, in no way has Tandem waived or limited its rights.

Entire Agreement

These Terms of Use and Our Privacy Policy and, if applicable, Tandem’s Guest Wireless Network Terms & Conditions, constitute the sole and entire agreement between you and Tandem regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

All requests for technical support and other questions or comments relating to the Website should be directed to [email protected].

Last Modified: December 31, 2022