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These terms and conditions are specific to this website and do not relate to any site of The Vanguard Group, Inc. ("VGI") or the site of any other member of The Vanguard Group of Companies (as defined under 'About Vanguard Group (Ireland) Limited' below), although VGI and other members of The Vanguard Group of Companies do have certain rights under these terms and conditions, as provided for in these terms and conditions. These terms and conditions are intended to be enforceable by Vanguard Group (Ireland) Limited and VGI and also by other members of The Vanguard Group of Companies, as well as by you.
This website will not be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal. The distribution of the information contained in this website in certain countries may be restricted by law and, accordingly, persons who access it are required to inform themselves about and to comply with any such restrictions. When using this website, you must comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to download the information contained on this website in certain countries and Vanguard Group (Ireland) Limited and each other member of The Vanguard Group of Companies disclaims all responsibility if you download any information from this website in breach of any law or regulation of the country in which you reside.
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The value of investments, and the income from them, may fall or rise and investors may get back less than they invested. The value of any investment may fall or rise as a result of change in exchange rates. Some funds may invest in emerging markets which can be more volatile than more established markets. As a result the value of any investment may rise or fall. Corporate bonds may provide higher yields but as such may carry greater credit risk increasing the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Fixed interest securities also carry the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Movements in interest rates are likely to affect the capital value of fixed interest securities. Investments in smaller companies may be more volatile than investments in well-established blue chip companies. Some funds may invest in derivatives. The risks associated with the use of derivatives are different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments. There is no assurance that any derivative strategy used by any fund will succeed and a fund may suffer a substantial loss as a result. Past performance is not a reliable indicator of future results.
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Automated Form and Signature Capture Technology Licensed under Comfidex U.S. Patents 6,189,009 and 6,725,220.
Vanguard owns issued patents for its Vanguard Exchange-Traded Funds ("Vanguard ETFs") under U.S. Patent Nos. 6,879,964; 7,337,138; 7,720,749; 7,925,573; and 8,090,646.
Vanguard owns issued patents for its Auto-Rebalancing methodology under U.S. Patent Nos. 7,149,713 and 7,552,079.
Vanguard owns issued patents for its Bond ETF Dividend Declaration model under U.S. Patent Nos. 7,792,725 and 8,175,944.
Vanguard owns issued patents for its Personal QDI Calculation Process under U.S. Patent No. 7,953,661.
Vanguard owns issued patents for its Managed Payout Funds under U.S. Patent Nos. 8,180,695; 8,185,464; and WIPO Application No. WO2009/036276.
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