TERMS AND CONDITIONS OF USE

Access to this website defined below is provided by New Age Alpha. For purposes of this agreement, "New Age Alpha" shall mean New Age Alpha LLC and its affiliates, and their officers, directors, managing directors, partners, and employees.

MONITORING BY NEW AGE ALPHA

Your use of the products and services on this website may be monitored by New Age Alpha, and the resultant information may be used by New Age Alpha for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.

INFORMATION MADE AVAILABLE THROUGH THIS SERVICE

You are permitted to store, display, analyze, modify, reformat and print the information made available to you via this service only for your own use. You are not permitted to publish, transmit or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of New Age Alpha. In addition, you are not permitted to alter, obscure or remove any copyright, trademark or any other notices that are provided to you in connection with the information. New Age Alpha reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify or remove any of the information. These Terms and Conditions of Use are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by New Age Alpha or the third-party providers from whom New Age Alpha has obtained the information. You are required to read and abide by any additional terms and conditions that may be posted on this service from time to time concerning information obtained from specific third-party providers. Such third-party providers shall have no liability to you for monetary damages on account of the information provided to you via this service.

NO WARRANTIES MADE AS TO CONTENT; NO RESPONSIBILITY TO UPDATE

New Age Alpha makes no warranty, express or implied, concerning this service. The services provided by us and our third-party providers are on an "as is" basis at your sole risk. New Age Alpha expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness or continued availability. Neither New Age Alpha nor any of its third-party providers shall have any responsibility to maintain the data and services made available on this website or to supply any corrections, updates, or releases in connection therewith. Availability of data and services are subject to change without notice.

NO LIABILITY FOR CONTENT; NO LIABILITY ARISING FROM USE

New Age Alpha shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between New Age Alpha s and you, regardless of whether the connection or communication service is provided by New Age Alpha or a third-party service provider. New Age Alpha shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions or interruptions in the delivery of the data and services available on this website or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service. In no event will New Age Alpha be liable for any special, indirect, incidental or consequential damages which may be incurred or experienced on account of you using the data or services made available on this website, even if New Age Alpha has been advised of the possibility of such damages. New Age Alpha will have no responsibility to inform you of any difficulties experienced by New Age Alpha or third parties with respect to the use of the services or to take any action in connection therewith.

NO WARRANTIES MADE AS TO SECURITY

New Age Alpha makes no warranty whatsoever to you express or implied, regarding the security of the website, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this service. SYSTEM OUTAGES, SLOWDOWNS AND CAPACITY LIMITATIONS/DELAYS IN ORDER ROUTING, EXECUTIONS AND TRADE REPORTS As a result of high Internet traffic, transmission problems, systems capacity limitations and other problems, you may, at times, experience difficulty accessing the website or communicating with New Age Alpha through the Internet or other electronic and wireless services. Any computer system or other electronic device, whether it is yours, an Internet service provider's or New Age Alpha’s can experience unanticipated outages or slowdowns, or have capacity limitations.

NO DUTY TO UPDATE PREVIOUSLY-ISSUED MATERIAL

The RBP^® methodology may change at any time without notice to you, and New Age Alpha does not undertake to advise you of any changes to a previously-issued RBP^® Report that may result from changes to this methodology.

CONTENT NOT TO BE CONSTRUED AS A SOLICITATION OR RECOMMENDATION

This material has been prepared for informational purposes only without regard to any particular user's investment objectives, financial situation or means, and New Age Alpha is not soliciting or advising on the advisability of any action based upon it. This material is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. New Age Alpha makes no representation regarding the advisability of investing in any investment fund or other investment product that seeks to provide an investment return based on the performance of any index, and New Age Alpha makes no assurance that any investment products based on the index will accurately track index performance or provide positive investment returns. A decision to invest in any such investment fund or other investment product should not be made in reliance on any of the statements set forth in these materials. Although this material is based upon information that New Age Alpha considers reliable and endeavors to keep current, New Age Alpha has not verified this information and does not represent that this material is accurate, current or complete and it should not be relied upon as such.

NO DETERMINATION OF SUSTAINABILITY HAS BEEN MADE; NOT ALL RISKS ARE DISCLOSED; PRIVATE ADVISORS SHOULD BE CONSULTED

The fact that New Age Alpha has made the data and services provided on this website available to you constitutes neither a recommendation to enter into a particular transaction nor a representation that any product described on this website is suitable or appropriate for you. RBP Ratings are not a signal or timing service that can be used to buy or sell individual stocks. In addition, no claim is made that the RBP Ratings can, in and of themselves, be used to determine which securities to buy or sell, or when to buy or sell them. Inclusion of a security within an index is not a recommendation by New Age Alpha to buy, sell, or hold such security, nor is it considered to be investment advice. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax or accounting advice nor make this service the basis for any investment decisions made by or on behalf of you, your accountants or your managed or fiduciary accounts, and you should consult your business advisor, attorney and tax and accounting advisors concerning any contemplated transactions.

NO REPRESENTATIONS MADE AS TO OTHER SITES OR LINKS

This service may provide links to certain Internet sites (the "Sites") sponsored and maintained by third parties. New Age Alpha is providing such links solely as a convenience to you. Accordingly, New Age Alpha makes no representations concerning the content of the Sites. The fact that New Age Alpha has provided a link to the Site does not constitute an endorsement, authorization, sponsorship or affiliation by New Age Alpha with respect to the Site, its owners or its providers. New Age Alpha has not tested any information, software or products found on any of the Sites and therefore does not make any representations with respect thereto, including any representations regarding the content or sponsors of the Site, or the suitability or appropriateness of the products or transactions described therein.

© New Age Alpha, LLC 2024

The following privacy policy is provided by the New Age Alpha Funds, New Age Alpha LLC and New Age Alpha Advisors, LLC (“New Age”, “NAA”, “we”, “us”, “our” or the “Company”), our web sites including www.newagealpha.com and www.buildyourindex.com (the “website”) and the New Age Alpha mobile applications, including space (“apps”) . It is intended to describe our privacy practices in relation to your use of the site, the apps and our services or products. It will describe the information that we collect from you as part of the normal operation of our site and how we use, safeguard and disclose this information. We reserve the right to change this Privacy Policy at any time without prior notice and any changes shall be effective immediately upon posting.

The New Age Alpha Mobile Apps

The New Age Alpha mobile applications, including the space ("apps") allow you to access the information that you provided for portfolio analysis and research using wireless or mobile devices. The terms and conditions set forth in New Age Alpha’s Terms of Use, our Privacy Policy and our general privacy practices also apply to any personal information or other information that we may collect through the apps and should be deemed to govern your use of the apps.

Our commitment to you

By exploring our web site you have entrusted your personal information and data to us. Because your personal and financial data are your private information, we exercise high standards in their safekeep.

We do not sell client or prospective client information-whether it is your personal information or the fact that you are or may become a New Age Alpha client-to anyone.

Your information used is primarily to complete transactions that you request or to make you aware of other financial products.

Our website uses some of the most secure forms of online communication available, including data encryption, transmission encryption, user names and passwords, adaptive authentication techniques, and back-end fraud and account monitoring to insure a high level of security and privacy with your information when you access your account information, initiate online transactions, or send secure messages.

What information do we collect?

As mentioned above, we collect your personal information to provide a safe, smooth, efficient and customized experience. You provide personal information when you complete a New Age Alpha account application (we may store the information even if you don't complete or submit the application). You also provide personal information when you request information or materials from us or otherwise interact with the site, New Age Alpha or one of the New Age Alpha affiliated companies.

In addition to the personal information you provide to us, we may receive information about you from third parties you have authorized to provide to us. We also may obtain personal information from third-party service providers in order to verify your identity, to prevent fraud, or to help us identify products and services that may be of interest to you. Personal information collected from any source may typically include, among other things, your name and address, Social Security or taxpayer identification number, date of birth, assets, income, account balances, investment activity, and accounts at other institutions. The information we collect about you may be transferred to or stored by New Age Alpha or our service providers in the United States or elsewhere, as permitted by law.

We may combine the collected information from our site with information collected from or about you in other contexts. This may include information collected online, such as through our email exchanges with you, or from offline sources, such as information that we collect when you establish your account with us or call customer service. In addition, we also automatically track certain information about you based upon your behavior on our site. Amongst other purposes we use this information to do internal research on user’s demographics, interests and behavior. This information may also include the URL that you just came from (whether this URL is on our site or not), your computer browser information and your internet Protocol (“IP”) address. We will treat such combined information in accordance with this policy. If you do not wish to provide information to New Age Alpha, we may be unable to provide certain products or services to you.

What we do (or don’t do) with your personal information

We do not sell or share personal information about our current or former clients or their accounts to third parties. The only exception to this is when the sharing of the information is needed to complete transactions that you have requested or when it is used to make you aware of financial products and services that we offer. For instance:

• When you ask us to undertake certain actions or transactions, we may need to provide certain identifying information about you to third parties to complete these transactions. One such example is if we need to complete the transfer of your assets from a third-party they may request additional information about you before they complete the transaction.
• We may from time to time, alert you to other additional services or products that we offer. In these cases, we may share your information within our family of affiliated companies, to the extent permitted by law. An example of this situation would be in order to make you aware of any new offering or investment products.
• In certain instances, we may contract with third party providers to perform services for us. If these providers need your information to perform these services we will disclose information we have about you to these third parties. Any such exchange is limited to the extent that the information is necessary to carry out its requested task, and only for that purpose. Most importantly, when we do have to make a disclosure, we will make sure they treat your personal information with the same high degree of confidentiality that we do.
• If our relationship ends, we retain the right to store your data for machine learning, reporting/analysis and sales/marketing purposes. At any time, we can sell access to our analytical data under our management to third parties for their own use.
• In the event that we are acquired by, or merged with, a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from our users as part of such merger, acquisition, sale, or other change of control. In the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, we may not be able to control how your Personal Information is treated, transferred, or used.
• Finally, we will release information about you if you direct or authorize us to do so, if we are compelled by law to do so, or in other legally limited circumstances (for example, to prevent fraud).

Cookies and Web Beacons

Our concern for the privacy extends to those who use our web site www.newagealpha.com and www.buildyourindex.com.

We use a variety of online technologies, such as cookies, web beacons, and similar mechanisms, as described further below, to collect information that helps us understand how our website is used. Specifically, when you visit our site, we, or our third-party service providers, may automatically collect a variety of technical and navigational information about you via these technologies, including, as applicable: your computer or device type; operating system version; browser type and version; user agent string; internet connection type; mobile network provider; date and time of your visit; time since your last visit; pages you view; links you click; searches you conduct; the internet protocol (IP) address used to access our website or mobile application; your general geographic location (e.g., your city, state, or zip code); and the website visited before our site. We also may use similar tracking technologies in emails that we or third parties send to you, as further described below. This information may be used, for example, to alert you to software compatibility issues or to resolve technical or service problems. We also analyze this information, with the assistance of our service providers, to improve our website and mobile application design and functionality, to enhance our ability to serve you and your accounts, and to tailor our communications to you regarding our products and services.

Cookies

We use commonly used information gathering tools such as cookies and web beacons to collect information as you navigate our site. A cookie is a small file of letters and numbers that is stored on your computer, tablet, mobile phone, or other device when you visit a website or a mobile application. Cookies contain information that is transferred to, or read on, your device and allow websites and mobile applications to recognize devices and store certain information, such as user preferences. Cookies are used to distinguish you from other users of our online services. This helps us to provide you with a useful experience when you browse and also allows us to improve our online services.

There are generally two different types of cookies and we and any third-party providers that we use will utilize both. There are session cookies and persistent based cookies. The session cookies, which link your actions during a particular online session and expire at the end of that session. On the other-hand persistent cookies remain on your device and allow us to remember your actions or preferences across multiple browser sessions.

If you are concerned about having cookies on your computer or other device, you can set your web browser to refuse all cookies or to indicate when a cookie is being set, allowing you to decide whether to accept it. You can also delete cookies from your device. The help feature on most web browsers will tell you how to prevent your browser from accepting new cookies, how to receive notice when a new cookie is set, and how to disable cookies altogether. However, if you choose to block or delete cookies, certain features of our website or our mobile application may not operate correctly. For further information about deleting or blocking cookies, please visit http://www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browsers.

Web Beacons

Our website and the emails that you receive from New Age Alpha use an application known as a web beacon alone or in conjunction with cookies to compile information about your usage of our site and your interaction with any communication between you and us. (also known as a pixel tag or clear gif). A web beacon is a clear electronic file that usually consists of a single-pixel image, embedded in a web or mobile application page or an email that can recognize certain types of information on your computer, such as cookies, when you viewed a particular web site or service tied to a web beacon. We and our service providers use web beacons and cookies to determine whether and when you receive and open our emails; these beacons and cookies may also capture information such as the type of device, operating system, email program, and web browser used to view the email, the IP address from which you opened the email, and whether you click any links in the email. These technologies enable us to gauge the effectiveness, relevance, and value of our email communications, as well as to target relevant advertising to you and to measure the impact of that advertising on your relationship with us.

If you are a New Age Alpha investor who has registered for secure online access to your New Age Alpha accounts, we are able to combine the information we collect about your usage of our website during a secure (logged-on) session with other information we know about you, such as any account transactions you conduct during your session. We can also identify your computer or device on each online visit to New Age Alpha, even if you do not log on, and link information about that visit, as well as New Age Alpha ads that you may have viewed on other websites, to you. We may use this combined information to assess the appeal and usefulness of the information and tools offered on our website and the effectiveness of our online advertising, as well as to identify New Age Alpha products and services that may be of interest to you.

Our website includes links to third-party sites or information that we think may be of interest to you. When you click these links and leave our website, our site's terms and conditions of use and privacy policy no longer apply. You are responsible for complying with the third-party site's terms of use and understanding its privacy policy, both of which you should review carefully.

Our website may enable you to share information directly with websites or online services operated by third parties. For example, our site contains features that allow you to share articles or content through Facebook, Twitter, LinkedIn, and other services, and to view content through video players and other services (such as the YouTube video player). If you choose to use these features, you may disclose information to those websites or services and their users, and to the public more generally. Even if you do not click these plug-in features, these third parties may collect information about you, such as your IP address and the pages that you view, and they may also set and/or access a cookie on your device. Because these third-party websites and services are not operated by New Age Alpha, we are not responsible for their content or practices. The collection, use, and disclosure of information through these websites and services are subject to the privacy policies of the third-party websites or services, and not this privacy policy.

Third-party analytics and interest-based advertising

We partner with third parties to collect the information discussed above to engage in analysis, auditing, research, and reporting. These third parties may set and access cookies on your computer or other device and may use web beacons to collect information about your activity on our website or our mobile application.

We also partner with third-party service providers, including social networks, to provide targeted advertising services that are customized based on your online activities over time and across unaffiliated websites (Interest-Based Advertising) and to help us measure brand awareness and the effectiveness of our online advertising. These service providers may use cookies, web beacons, and other similar technologies to collect information about your activity on our website, and they may combine it with information about your activity on other, unaffiliated websites. We and our service providers may use data collected on our website or when you open emails from New Age Alpha, together with other information we have about you to serve New Age Alpha ads to you on other sites as you browse the web. For example, third parties may use the fact that you visited our site to target ads for New Age Alpha products and services to you on non-New Age Alpha websites. In addition, our third-party advertising providers might use information about your use of our online services to help target non-New Age Alpha advertisements based on your online activity in general. We share demographic information (e.g., age) with certain providers; we do not provide your name or otherwise identify you to any of these service providers.

We may use third-party service providers' technologies that enable us to establish connections among related devices (such as smartphones, tablets, and computers). This means that information about your interactions with our online services and online advertising through different devices may be combined. By making these connections, we may be able to better understand the relevance of our content and the impact of our advertising and to customize that content and advertising for you.

For information about Interest-Based Advertising and how to opt out, please visit the Digital Advertising Alliance (“DAA”) consumer choice page, available at optout.aboutads.info. Opting out of Interest-Based Advertising means that you will no longer receive ads targeted to you by the companies listed on the consumer choice page, but you may still receive targeted ads from other providers or based on the particular website that you are viewing.

The use of online tracking mechanisms by third parties is subject to those third parties' own privacy policies, and not this policy.

How we safeguard your personal information

Within New Age Alpha, we restrict access to information about you to those New Age Alpha employees who need to know the information in order to perform their jobs, such as servicing your accounts, providing you with information you request, or notifying you of new products and services. To protect your personal information, we maintain physical, electronic, and procedural safeguards in keeping with industry standards and practices, and we review and adjust these safeguards regularly in response to advances in technology.

What you can do

For your protection, you should not provide your account information, user name, or password to anyone. If you become aware of any suspicious activity relating to your account, it is your responsibility to contact us immediately. If you have any questions relating to this privacy policy or concerns about the way in which we have handled information about you, please do not hesitate to send us an email at privacy@newagealpha.com.

Children’s Policy

We do not intend for our site or any of our online services to be used by anyone under the age of 18. If you are a parent or guardian and believe we may have collected information about a child, please contact us at privacy@newagealpha.com.

How to Change your Personal Information

We may retain your information for a period of time consistent with the original purpose of collection. For instance, we may retain your information during the time in which you have an account to use our Sites or Services and for a reasonable period of time afterward. We also may retain your information during the period of time needed for us to pursue our legitimate business interests, conduct audits, comply with our legal obligations, resolve disputes and enforce our agreements.

You may download or request a copy of your own data at any time. You may request to review, correct, delete or otherwise modify any of the personal information that you have previously provided to us through the Company’s site. If you have registered for an account with us, you may generally update your Personal Information by logging into the applicable site with your username and password and editing your settings or profile. To update your billing information, discontinue your account, and/or request return or deletion of your data associated with your account, please contact your account representative or the customer service team for the applicable service.

For other requests to access, correct, modify or delete your data, or any other questions about this site contact us at:

New Age Alpha LLC
555 Theodore Fremd Ave.
Suite A-101
Rye, New York 10580
(212) 922-2682

We will keep you informed

As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time, and if we make any material changes we will notify you accordingly.

Copyright Notice

The works of authorship contained herein, including but not limited to all design, text, images and sound are owned, except as otherwise expressly stated, by New Age Alpha, LLC. or one of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the owner's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of the owner's proprietary rights. Except for any third-party exchange data, you may download information and print out a copy for your personal use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

Trademark Notices

Guggenheim, RBP^® and Required Business Performance^® are registered trademarks of Guggenheim Partners Investment Management, LLC and its affiliates (collectively, "Guggenheim") and licensed to New Age Alpha. All New Age Alpha trademarks are owned by New Age Alpha LLC. All other company or product names mentioned or displayed herein are the property of their respective owners and should not be deemed to be a sponsorship or an endorsement of any New Age Alpha product. Notwithstanding the foregoing, the names and trademarks of S&P, Dow Jones, and Refinitiv and all other providers are the property of their respective owners and should not be deemed to be an endorsement of any Guggenheim or New Age Alpha product.

Patent Pending Notice New Age Alpha LLC. has filed a patent application with the United States Trademark and Patent Office.