Terms of Use

 By using this website, you signify your assent to the following terms of use without limitation or qualification. If you do not agree to these terms, do not use this website. 

Ridley Capital Group (Ridley) may at any time revise these terms by updating this posting. You are and will be bound by any such revisions and accordingly, you should periodically visit this page to review the current terms and conditions by which you are bound. 

This website is 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 herein. Nothing contained on this website is intended to be or should be construed as legal, tax or investment advice. 


The information provided on this website is provided for informational purposes only. Ridley Capital Group (Ridley) seeks to provide accurate and timely information; nevertheless, there may be inadvertent technical or factual inaccuracies and typographical errors, for which we apologize. We reserve the right to make changes and corrections at any time, without notice. Ridley does not warrant, represent, or guarantee, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links, or other items contained on this website. In no event will Ridley, its directors, officers or employees or any third-party vendor retained by Ridley, or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind. 

Nothing contained in Ridley Capital Group’s website constitutes legal, tax or investment advice. Neither the information nor any opinion contained in this website constitutes a solicitation or offer by Ridley or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on Ridley’s website are the sole responsibility of the user. All information posted on this website is current only as of the date of its posting, and Ridley undertakes no obligation to update any information to reflect events or circumstances after the date of such posting. 

Trademark and Copyrights 

Ridley Capital Group owns and operates this website. All trademarks, service marks, trade names, and logos displayed on this website are proprietary to Ridley, except as explicitly noted below under Ownership of Other Materials. Nothing contained on the website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this website without the written permission of Ridley or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited. 

Images displayed on this website are either the property of, or used with permission by, Ridley Capital Group. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information. 

Ownership of Outside Materials 

Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated. Microsoft® and Internet Explorer® are trademarks of Microsoft Corporation. Standard & Poor’s®, S&P®, Standard & Poor’s 500®, S&P 500®, are trademarks of The McGraw-Hill Companies, Inc. 

Jurisdiction and Governing Law 

This website is controlled and operated by Ridley Capital Group from its office(s) within the Commonwealth of Kentucky, United States of America. Ridley Capital Group makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials on this website in violation of U.S. export laws and regulations. 

The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Ridley Capital Group or its affiliates to any registration requirement within such jurisdiction or country. 

The laws of the State of Kentucky govern these terms of use. If you take legal action relating to these terms of use, you agree to file such action only in the United States Court for the Western District of Kentucky,” and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action. 

Integration and Severability 

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding terms of use represent the entire agreement between The Ridley Capital Group and the user relating to the subject matter herein. 

FDIC Disclaimer 

Securities (including shares of mutual funds), alternative investments, and other investment products are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, or insured or guaranteed by Ridley Capital Group or its affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value. The information and materials contained in this website, and the terms of the access to and use of such information and materials, are subject to change without notice. Eligibility for particular investment options or services is subject to final Ridley Capital determination and acceptance. 

Email Disclosure 

Electronic mail (email) sent through the Internet is normally not secure or confidential and may be intercepted and viewed by others. Therefore, you should avoid sending any confidential or privileged information via unsecured email to Ridley. Please also note that it is Ridley’s policy not to fulfill any action-oriented requests sent via email, such as transaction orders or fund transfer instructions, until we have also received verbal confirmation. 

If you have received an E-mail message in error, please delete it and all copies from your system and notify the sender immediately by return E-mail. The contents of Ridley Capital Group email are the property of Ridley. Ridley email and any files transmitted with it contain confidential and/or legally privileged information and are intended for use by the indicated addressee. Any dissemination or other use of or taking of any action in reliance upon this 

information by individuals or entities other than the intended recipient(s) is prohibited and may be a violation of state or federal law. 

Use of Links 

Should you leave this website via a link contained herein, and view content that is not provided by Ridley Capital Group (Ridley), you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Ridley. Ridley is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided on such website, whether actual, alleged, consequential or punitive. Ridley makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, or timeliness of any electronic content. 

IRS Circular 230 Disclosure 

To ensure compliance with requirements imposed by the IRS, we inform you that the federal tax advice (if any) contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. 

Ridley Capital Group, 635 W. Main Street, 2ND Floor, Louisville, Kentucky 40202 

Effective Date: October 30, 2009