Terms and Conditions of Use

There are no implied or expressed warranties on the materials in this site; the materials are provided “as is.” Sit Investment Associates, Inc. and its subsidiaries (“SIA”) disclaim, to the fullest extent of the law, any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this site, including without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Use of this site is at your own risk. SIA intends that the information contained in this site be accurate and reliable; however, errors sometimes occur. SIA does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available are free from viruses or other harmful components. SIA does not warrant or represent that the materials in this site are correct, accurate, or reliable. You (and not SIA) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this site. You accept at your own risk that the internet and online communications medium may not perform as intended despite the efforts of SIA. Reference to a fund or security anywhere in this site is not a recommendation to buy, sell, or hold that or any other security.

Limitation of Liability
SIA is not liable under any circumstances, including but not limited to negligence, for any special or consequential damages that may result from the use of, or the inability to use, the materials in this site, even if SIA has been advised of the possibility of such damages.  SIA is not liable for damages or injury, including but not limited to damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortious behavior, negligence, or otherwise.

Except as described otherwise, all materials in this site are made available only to provide information about SIA. SIA controls and operates this site from Minneapolis, Minnesota, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws. Some software from this site may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported or re-exported: (a) into (or to a national or resident of) any country to which the U.S. has placed an embargo, (b) to everyone on the U.S. Treasury Department’s Specially Designated Nationals list, or (c) the U.S. Commerce Department’s Table of Denial Orders. If you download or use the Software or other content from this site you represent and warrant that you are not located in, or under the control of, or a national of any such country or any such list. These terms and Conditions will be governed and be interpreted pursuant to the laws of the States of Minnesota, United States of America, notwithstanding any principles of conflict of law. If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the use of this site. SIA can revise these Terms and Conditions at any time by updating this posting. SIA makes no offers of products or services outside the United States of America.

No Solicitation or Recommendations
Nothing in this site shall be considered a solicitation to buy or an offer to sell any security, or a recommendation to buy, sell or hold any security or any other product or service. Nothing in this site shall be considered tax, legal, or investment advice. The views and information contained in this site are provided for informational purposes only. You are solely responsible for determining whether any investment, security or strategy or any other product or service is appropriate or suitable for you based on your investment objectives and personal and financial situation.

Third-Party Content and Links
For informational or educational purposes, and as a convenience to you, this site may provide content from a third party, or live links to an unaffiliated third party.  SIA makes not representations whatsoever concerning the content of those sites.  Providing a link from our site to a third party or providing referral information to a third party is not an endorsement, authorization or sponsorship of the third party, their products or services, or their site.  While we attempt to provide such information from, or links to, sources considered reliable, we take no responsibility with respect to the accuracy, timeliness, or safety of the content of third party products, services or information.

SIA reserves the right to withdraw access to this site and revise the software, materials, information, and the services and products described in this site, at any time without notifying the user.  Site content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons.  The information provided in this site is qualified in its entirety by SIA Form ADV, which is on file with the U.S. Securities and Exchange Commission.

Sit Mutual Funds
Sit Investment Associates, Inc. serves as the investment adviser for the Sit Mutual Funds, a family of no-load mutual funds. The Sit Mutual Funds are offered only to U.S. residents and only by a current prospectus.  Carefully consider the Fund’s investment objectives, risks, charges and expenses before investing.  The prospectus contains this and other important Fund information and may be obtained by calling Sit Mutual Funds at 1-800-332-5580 or at www.sitfunds.com.  Read the prospectus carefully before investing.  Mutual funds are not FDIC insured; are not deposits or obligations of, or guaranteed by, any financial institution; and are subject to risks, including possible loss of the principal amount invested.