Terms and Conditions
Edward Jones Financial Educational Resources provides you with electronic access to Services and Information.
These terms and conditions (“Terms”) govern your access to and use of Edward Jones Financial Educational Resources ("Site"), and the services (“Services”) and information (“Information” and collectively with Site and Services, “Edward Jones Financial Educational Resources”) contained therein. By agreeing to these Terms, as well as by viewing or using the Edward Jones Financial Educational Resources, you accept these Terms. These Terms are in addition to, and do not change or modify, any other agreement between you and Edward Jones.
Edward Jones may change these Terms at any time and without notice by updating them in Online Services Disclosures | Edward Jones. You agree that if you use the Edward Jones Financial Educational Resources after these Terms are updated, you will be bound by such change. At the time of a change to these Terms, you have the right to reject such change by discontinuing your use of the Site. You may discontinue use of the Site by contacting support@edwardjonesatwork.com.
You acknowledge that (a) nothing in the Site constitutes an offer to sell, or a solicitation of an offer to buy a security; (b) you have read in its entirety, understand, and agree to be bound by these Terms; (c) Edward Jones Financial Educational Resources does not provide or constitute investment, tax, or legal advice, and you will not use it as such; (d) Edward Jones and its employees, representatives, and agents can record (in any form), retain, and use any communication or information transmitted between you and Edward Jones Financial Educational Resources; and (e) certain Services may have additional terms and conditions, and your use of such Services constitutes your agreement to those additional terms and conditions.
Edward Jones Financial Educational Resources
(a) The underlying platform for this financial educational resource is powered by Addition Wealth. Edward Jones works with or supports Addition Wealth in several ways, including a commercial agreement with its dually registered broker-dealer/investment adviser entity for the use of this underlying platform and a minority investment by a non-registered entity.
(b) This platform should not be considered an endorsement by either Edward Jones or Addition Wealth of each other, the content provided by Addition Wealth, or any other service provider accessible through the platform. Financial tools provided by Addition Wealth are provided for educational purposes only. Addition Wealth does not provide investment advice to you through this platform.
(c) By proceeding you certify that you are the person that is identified in the information provided and have given Edward Jones permission to contact you by email or telephone. You agree not to use electronic communication to transmit personal credit information (including credit card numbers).
(d) You are responsible for the selection, installation, maintenance, and operation of any hardware or software you use to access the Site. Edward Jones is not responsible for any errors, failures, or malfunctions of your computer or software. Edward Jones reserves the right to change the system requirements for using the Edward Jones Financial Educational Resources.
(e) You acknowledge and agree that (i) your Email Address you have provided in Edward Jones Financial Educational Resources (“Email Address”) is valid and you have a device with internet access capable of accessing the Site; and (ii) your consent to these Terms remains in effect until you withdraw it.
User ID and Password
(a) You can be provided with or create a user ID, and you will create your own unique password. You can change your user ID and password (collectively, “Login”) on the Site. Your Login is for your personal use only.
(b) You are responsible for the confidentiality of your Login and agree not to share your Login with a third party. You are responsible for all acts or omissions occurring under your Login. You agree to notify Edward Jones immediately if you (i) believe your Login has been lost or stolen; (ii) believe the confidentiality of your Login has been compromised; or (iii) learn of a possible or actual unauthorized use of your Login.
(c) Edward Jones reserves the right to suspend or revoke your Login at any time without notice.
Electronic Delivery of Communications
(a) In order to be eligible to receive electronic communications in Edward Jones Financial Educational Resources, you will need to verify your Email Address in accordance with our verification processes. You may, at no cost to you, request a paper copy of any information delivered electronically by contacting your Edward Jones financial advisor.
(b) You authorize Edward Jones to deliver information to you by email or by sending you a physical or electronic notice that directs you to www.edwardjones.com or another website or internet address where the information can be viewed or printed. Contact us immediately if you have any difficulty accessing your information electronically or if you have any questions about the Site.
(c) You may cancel your use of this Site by contacting support@edwardjonesatwork.com. Any changes will be active within 30 days unless you are otherwise notified by Edward Jones.
(d) You are responsible for updating Edward Jones Financial Educational Resources or contacting support@edwardjonesatwork.com if you change your Email Address (“New Email Address”). If you provide such notice of a New Email Address, you consent to Edward Jones ceasing communication to the prior Email Address and beginning communication to the New Email Address.
(e) Electronic communications will stop if you do not verify the New Email Address. If you later verify the New Email Address, electronic communications will resume. You acknowledge that electronic delivery only relates to information required to be delivered to you by law, and that if you cancel your use of this Site, Edward Jones can still deliver any other information to you via electronic means.
(f) You acknowledge that certain risks exist with electronic communications, including but not limited to unauthorized access, systems outages, and disruptions in telecommunications services. Email is not private or secure, and emails are not encrypted. Electronic communications may contain private or sensitive information, and you agree to safeguard your Email Address. The safeguarding of your Email Address is your sole responsibility, and failure to safeguard your Email Address may result in others viewing your private information.
Limitation of Liability
By consenting to these terms, you hereby release from liability Edward Jones, its Service Provider, and their respective principals, associates, employees, affiliates, vendors, licensors, and agents from (i) any loss or damages incurred by you related to your use, attempted use, unauthorized use, performance, or inability to use Edward Jones Financial Educational Resources, including damages caused by delays, errors, inaccuracies, unreliability of Services or Information, loss of data, or software restoration; or (ii) special, incidental, consequential, indirect, or punitive damages related to your use of Edward Jones Financial Educational Resources, including but not limited to unauthorized access to or alteration of your transmissions or data.
Restrictions on Use of Edward Jones Financial Educational Resources
(a) All Edward Jones Financial Educational Resources' content is the property of Edward Jones or its licensors or affiliates and is protected by applicable copyright, patent, trademark, or other intellectual property law. You may not reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit Edward Jones Financial Educational Resources content without Edward Jones’ written consent. You also agree not to use any Edward Jones Financial Resources content for any unlawful purpose.
(b) Edward Jones Financial Educational Resources is being provided for your personal, non-commercial use and display. You may print a hard copy of information for your personal reference, provided you agree not to remove any copyright or other notices.
(c) Although Edward Jones Financial Educational Resources includes material about the investment process generally, Edward Jones is not providing personal investment, tax, or legal advice through Edward Jones Financial Educational Resources. Transmission or use of any material in violation of these Terms, any applicable law, rule, or regulation, or the rights of any third party is prohibited. This includes but is not limited to material that is copyrighted; protected by trademark, trade secret, or patent; defamatory, threatening, obscene, lewd, or indecent; or material that results in an invasion of privacy.
(d) You may not use this site in any manner that would negatively impact it. You may not use any means of systematic retrieval of data or other content from Edward Jones Financial Educational Resources other than those expressly permitted. You may not obtain or attempt to obtain access to any material or information on this site through any means not expressly authorized by Edward Jones. You may not use another person’s login information to access or use this site.
(e) You may not frame any content. You must obtain Edward Jones’ consent before creating a hyperlink or similar connection to the Site.
Disclaimer of Warranies
THE EDWARD JONES FINANCIAL EDUCATIONAL RESOURCES IS PROVIDED AS IS. EDWARD JONES, ITS SERVICE PROVIDER, AND THEIR RESPECTIVE PRINCIPALS, ASSOCIATES, EMPLOYEES, AFFILIATES, VENDORS, LICENSORS AND AGENTS EXPRESSLY DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES WITH REGARD TO THE EDWARD JONES FINANCIAL EDUCATIONAL RESOURCES INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. EDWARD JONES, ITS SERVICE PROVIDER, AND THEIR RESPECTIVE PRINCIPALS, ASSOCIATES, EMPLOYEES, AFFILIATES, VENDORS, LICENSORS AND AGENTS DO NOT WARRANT THAT THE USE OR AVAILABILITY OF THE EDWARD JONES FINANCIAL EDUCATIONAL RESOURCES WILL BE UNINTERRUPTED OR ERROR-FREE.
Your Representations and Warranties
You represent and warrant that you are of the age of majority in your state of domicile and that all information you provide in Edward Jones Financial Educational Resources (including during registration) is accurate and complete.
Confidentiality
Edward Jones will use reasonable precautions to maintain the confidentiality of the information you provide in connection with your use of Edward Jones Financial Educational Resources. Because such information can be accessed through the internet, you hereby acknowledge and agree that there can be no assurance that any information provided by you or to you through the Site will remain secure.
Sharing of Information
Edward Jones may disclose information provided by you through Edward Jones Financial Educational Resources to others (a) for any purpose related to the conduct of Edward Jones’ business or to the offering, providing or maintaining of the Site (b) to comply with applicable state or federal laws or other legal process; and (c) to respond to government agencies or authorities. You can find more information about how your data is collected, used and shared at our Privacy and security center | Edward Jones.
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Missouri without giving effect to the choice of law or conflict of laws provision thereof.
Fees
There is no charge for using Edward Jones Financial Educational Resources.
Educational Resources Termination
Edward Jones may terminate your access at any time, for any reason, and without notice. Additionally, any violation or breach by you of these Terms will be cause for Edward Jones to terminate your access to without notice. Paragraphs 4-10 and 14 of these Terms shall survive such termination.
Miscellaneous
(a) Edward Jones’ failure to insist at any time upon strict or timely compliance with these Terms, or its delay or failure to exercise any power or right, shall not waive Edward Jones’ later exercise of that power or right.
(b) If any provision of these Terms is unlawful, void, or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible.
(c) If you become a client of Edward Jones and choose to use Online Access for clients, in the event of a conflict between these terms and the Online Access for clients' terms, the Online Access terms will apply. Certain of these Terms shall by their nature continue in full force and effect after termination of your use of Edward Jones Financial Educational Resources, including any authorizations you have granted, all disclaimers of warranties and limitations of liability, and indemnification provisions.
(d) Edward Jones Financial Educational Resources may contain links to third-party sites or materials. These third-party sites and materials may be subject to different privacy and security policies and settings than Edward Jones Financial Educational Resources and, by accessing or using these third-party sites and materials, you consent to each third party’s terms of access and use.
Indemnification
You hereby agree to indemnify and hold harmless Edward Jones and its principals, associates, employees, affiliates, vendors, licensors, and agents, and any third-party providers from and against all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees and costs) arising out of or related to your breach of these Terms or your use of Edward Jones Financial Educational Resources (i) in violation of these Terms; (ii) in violation of any rights of Edward Jones or any third-party provider, including copyright, patent, trade secret, trademark, or other intellectual property rights and publicity and privacy rights; (iii) in violation of any applicable law, rule, or regulation; or (iv) in a negligent or illegal manner. This indemnification is binding upon you and your executors, heirs, representatives, successors, and assigns.
Arbitration Agreement
(a) THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE THAT MAY BE ENFORCED BY THE PARTIES.
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By signing this Agreement, I agree as follows:
(i) All parties to this Agreement and any supplement thereto are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.
(ii) Arbitration awards are generally final and binding; a party's ability to have a court reverse or modify an arbitration award is very limited.
(iii) The ability of the parties to obtain documents, witness statements, and other discovery is generally more limited in arbitration than in court proceedings.
(iv) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least twenty (20) days prior to the first scheduled hearing date.
(v) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
(vi) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible in arbitration may be brought in court.
(vii) The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this Agreement.
Except as otherwise expressly provided below, any controversy arising out of or relating to any of my Account(s) from its inception, business, transactions, or relationships I have now, had in the past, or may in the future have with Edward Jones, its current and/or former officers, directors, partners, agents, affiliates, and/or employees, this Agreement or to the breach thereof, or transactions or accounts maintained by me with any of Edward Jones' predecessor or successor firms by merger, acquisition, or other business combinations, shall be settled by arbitration in accordance with the FINRA Code of Arbitration Procedures rules then in effect. My demand for arbitration shall be made within the time prescribed by those rules and will be subject to the applicable state or federal statutes of limitations as though filed in court. Judgment upon any award rendered by the arbitrators may be entered in any court having jurisdiction thereof. To the extent permitted by law, the exclusive jurisdiction for any such controversy that is not arbitrable under this Agreement shall be the Circuit Court of St. Louis County, State of Missouri, or the United States District Court of the Eastern District of Missouri, and I consent to the jurisdiction of such courts.
(viii) Class Actions. No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action, or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (1) the class certification is denied; (2) the class is decertified; or (3) the client is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.