Terms 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.

Transmissions To and From This Website

Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from this website may not be secure. SIA has implemented technology and policies, with the objective of protecting your privacy from unauthorized access and improper use, and periodically review the same. However, our website is on the world-wide-web and internet security is a very dynamic issue. Hence, in cases where there is unauthorized access to or loss of data from SIA by hackers, “cyber vandals,” and other bad actors, viruses, and other technical breakdowns resulting in the website being de-faced, presenting incorrect or inaccurate information, experiencing downtime, or resulting in the loss of personal or proprietary information SIA will not be responsible.

SIA is free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to SIA through this website. You acknowledge and agree that SIA has granted you limited access to the specific files pertaining to the SIA and you agree not to attempt to access computer files other than the approved Files. SIA makes no warranty to you regarding the security of the website, including with regard to the ability of any unauthorized persons to access information received or transmitted by you through or from the website.

Prohibited Uses

Except as otherwise stated in these Terms or as expressly authorized by SIA in writing, you may not use this website in any manner that could damage or overburden any SIA server, or any network connected to any SIA server, as all servers have limited capacity and are used by many people; use this website in any manner that would interfere with another party’s use of the website; include the term “Sit Investment Associates,” or any SIA trademark or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element; use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this website, whether through links or otherwise (collectively, “Materials”), without SIA ‘s permission, provided that generally available third-party web browsers may be used without such permission; or use this website or the Materials in any manner that could create impression of affiliation, sponsorship or endorsement by SIA.

Use of “Cookie” File Features

SIA reserves the right to store information on a user’s computer in the form of a “cookie” or similar file for purposes including, but not limited to, modifying the website to reflect users’ preferences.


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.