LAST UPDATED: JANUARY 29, 2025

These Terms of Use (“Terms”) are entered into by and between you and Mather (“Mather,” “we,” “our” or “us“) and govern your access to and use of www.matherinstitute.com and any other website that links to these Terms (each a “Website” and collectively, the “Websites“), including any content, functionality, and services offered on or through the Websites.

Please read these Terms carefully. By using a Website, or by clicking to accept or agree to these Terms when this option is made available to you, you accept and agree to be bound and abide by these Terms. If you do not want to agree to these Terms, please do not access or use any of our Websites.

SECTION 14 OF THESE TERMS CONTAINS A MANDATORY ARBITRATION PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. THIS MEANS THAT YOU AND WE ARE EACH GIVING UP RIGHTS TO SUE EACH OTHER IN COURT OR IN CLASS ACTIONS OF ANY KIND.

1. Privacy

Please review our Privacy Policy for information about how we collect and use your personal information.

2. Changes to these Terms

We may revise and update these Terms from time to time in our sole discretion. Any changes to these Terms are effective upon posting to the Websites, and your continued use after a change has been posted constitutes your acceptance of the changes unless applicable law requires us to provide additional notice or take other actions before such changes can become effective. We encourage you to review these Terms regularly to determine if any changes have been made.

3. Changes to the Websites

We may update the content on the Websites from time to time, but its content is not necessarily complete or current. Any of the material on the Websites may be out of date at any given time, and we are under no obligation to update such material.

4. Reliance on Information Posted

The information and content presented on or through the Websites is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Websites, or by anyone who may be informed of any of its contents.

5. Ownership of the Websites and Content

The Websites and all information and content included on the Websites are the exclusive property of Mather or its content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. No right, title, or interest in or to the Websites or any content on the Websites is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Websites not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.

6. Trademarks

The Mather name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Mather or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Websites are the trademarks of their respective owners.

7. Your Use of the Websites

These Terms permit you to access and use the Websites for your personal, non-commercial use only. You agree not to (a) reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, or reverse-engineer the Websites or any of the material on our Websites, (b) use materials, products or services available on the Websites in violation of any law, (c) impersonate or attempt to impersonate Mather, any Mather employee or any other person or entity (including, without limitation, by using email addresses associated with Mather, or (d) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Websites, or which, as determined in our sole discretion, may harm Mather or other users of the Websites or expose them to liability.

Additionally, you agree not to, or permit or direct any other person to:

• Use the Websites in any manner that could disable, overburden, damage, or impair the Websites or interfere with any other user’s use of the Websites.
• Use any robot, spider, or other automatic device, process, or means to access the Websites for any purpose, including monitoring or copying any of the material on the Websites.
• Use any manual process to monitor or copy any of the material on the Websites, or for any other purpose not expressly authorized in these Terms, without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the Websites.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Websites, the server on which the Websites are stored, or any server, computer, or database connected to the Websites.
• Attack the Websites via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Websites.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Websites or otherwise engaged in conduct in breach of these Terms, your right to use the Websites will stop immediately and you must, at our option, return or destroy any copies of the materials you have made.

8. Termination

We have the right to terminate or suspend your access to all or part of the Websites at any time for any reason without notice.

9. Linking to the Websites

You may link to the Websites, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part. You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice.

10. Links from the Websites

If the Websites contain links to third-party sites or resources, these links are provided for your convenience only. We do not control or endorse these third-party sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to the Websites, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

11. Disclaimer of Warranties

THE WEBSITE AND THE INFORMATION AND CONTENT ON THE WEBSITE IS PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS. YOU AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. MATHER, ITS AFFILIATES, AND ITS OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS DISCLAIM ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE EXTENT YOUR JURISDICTION DOES NOT ALLOW LIMITATIONS ON WARRANTIES, THIS LIMITATION MAY NOT APPLY TO YOU. IF THIS IS THE CASE, YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THE WEBSITE SHALL BE TO DISCONTINUE USING THE WEBSITE.

12. Limitation on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL MATHER, ITS AFFILIATES, OR ITS OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE AND/OR CONTENT SHALL BE TO DISCONTINUE USING THE WEBSITE.

You may have additional rights under certain laws (including consumer laws) which do not allow the exclusion or limitation of certain damages. If these laws apply to you, the foregoing exclusions or limitations that directly conflict with such laws may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless Mather, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Websites, including any use of the Websites’ content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Websites.

14. Dispute Resolution

You and we both agree to provide written notice of any disputes to the other party and try to resolve any disputes informally in good faith arising from your use of the Website. If any dispute is not resolved within 30 days of a party providing notice to the other party, the dispute will be resolved through individual, non-representative, binding arbitration conducted in English, instead of a proceeding in courts of general jurisdiction. Any disputes will be decided by a single arbitrator and will be administered by Judicial Arbitration Mediation Services, Inc. (“JAMS”) pursuant to the JAMS Streamlined Arbitration Rules & Procedures and as modified by this agreement to arbitrate. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request your or our request that an in-person hearing is appropriate. Any in-person appearances will be held in Chicago, Illinois. The arbitrator will have authority to award temporary, interim, or permanent injunctive relief or relief providing for specific performance, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court with appropriate jurisdiction. Each party will be responsible for its respective costs, including costs related to its respective attorneys, experts, and witnesses.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS MUST BE COMMENCED WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

YOU AND WE EXPRESSLY WAIVE THE RIGHT TO GO TO COURT, TO A TRIAL BY JURY, AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING WITH RESPECT TO ANY CLAIM SUBJECT TO ARBITRATION. Notwithstanding the parties’ decision to resolve all disputes through arbitration, we may bring an action in a state or federal court to protect our intellectual property rights. Seeking such relief shall not waive our right to arbitration under these Terms.

15. Governing Law and Jurisdiction

You agree that the laws of the State of Illinois will govern these Terms and any dispute that may arise between you and Mather or its affiliates related to your use of the Website, without regard to conflicts of laws provisions.

16. Waiver and Severability

No waiver by us of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.

17. Geographic Restrictions

Mather is based in the United States. Access to the Websites may not be legal by certain persons or in certain countries. If you access the Websites from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

18. Entire Agreement

These Terms constitute the sole and entire agreement between you and Mather regarding the Websites and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Websites.

19. Contact Us

All feedback, comments, requests for technical support, and other communications relating to the Websites should be directed to privacy@mather.com.