Legal Notices, Information and Disclaimers
1) What can I do with FRED data?
You can do a lot of things with FRED data, graphs, software, and mobile apps for your own personal, non-commercial use such as...
- Make cool graphs and share them with friends
- Download data into Excel for homework assignments
- Support your policy stance on Facebook or your blog
- Make a sweet app using our FRED through our free API
Just be sure to mention FRED as the service from which you retrieved the data and keep any copyright notices that appear with the data on FRED.
2) What can’t I do with FRED data?
You can’t take all the data on FRED and claim it’s a unique product or service. Don’t try to pass off FRED or its related services (Excel Add-In, Widget, or mobile apps) as your own product or try to sell them to anyone. Don’t do any data mining, scraping or extraction of FRED data. Don’t remove or change the FRED logo on the chart.
3) Why do some series on FRED have a copyright notice?
Series with a copyright notice are owned by third parties and have special restrictions. Before using data with a copyright notice for anything other than your own personal use, you must contact the data owner to obtain permission. Unfortunately, the Federal Reserve Bank of St. Louis cannot give you such permission.
4) I have questions or comments about using FRED, who should I contact?
We welcome your feedback and suggestions for improving FRED. For comments or questions about the data in the FRED® database, we prefer you send an email to stlsFRED@stls.frb.org. If you need to reach us by phone, please call us at (314) 444-3733 Monday through Friday, 8 a.m. to 4:00 p.m. CST.
5) How should I cite or provide attribution to FRED?
Use the suggested citation on the "Cite" tab underneath each FRED graph. FRED is also compatible with the Zotero citation tool.
FRED is a database of more than 500,000 economic data series from over 80 sources covering issues and information relating to banking, business, consumer and producer price indices, employment, population, exchange rates, gross domestic product, interest rates, trade and international transactions, and U.S. financial data. In general, the Federal Reserve Bank of St. Louis encourages the use of FRED data, and associated materials, to support policymakers, researchers, journalists, teachers, students, businesses, and the general public.
FRED provides data and data services to the public for non-commercial, educational, and personal uses subject to a few prohibitions. Furthermore, other uses (e.g., commercial) are subject to additional restrictions. You are free to access and use FRED at no cost, subject to the full terms and conditions of the service.
How Can I Use the Data?
As long as you don’t engage in a prohibited/restricted use and do adhere to any applicable copyright restrictions, you are free to use FRED for your own non-commercial, educational, and personal uses.
I. Intended and Permissible Use
FRED allows you to do a lot of things for your own personal use without requesting permission from the Federal Reserve Bank of St. Louis, such as:
- Include FRED graphs in a private presentation
- Create graphs to teach about the data in a classroom setting
- Include FRED graphs in your personal blog posts
- Link directly to FRED graphs on the FRED website
- Create individual visualizations of FRED data
- View, download, and print FRED content
- Conduct research, and support your own policy positions with FRED data on social media or a personal blog
For any of the above uses, please cite the source of the data and note that it was accessed via FRED. Also, be sure to include any copyright notices that appear with the data. We recommend using the citation provided in the series notes.
II. Prohibited Use
All use of FRED data—including non-commercial, educational, and personal use—is subject to the following prohibitions.
You may NOT…
- Suggest the Federal Reserve Bank of St. Louis or FRED endorses your product, service, opinion, arguments, or conclusions.
- Take all the data on FRED or related services and claim it is a unique product or service or otherwise provide the essential experience of the FRED website, data, or service.
- Alter visualizations created on the FRED websites (e.g., graphs and maps), including but not limited to the FRED logo, data source(s), titles of graphs, and axis titles.
- Redistribute any third party’s proprietary content, including any graphs, images, logos, data, or datasets, for commercial use without first obtaining express written permission from the data provider.
III. Use of Data with Copyright Restrictions
Copyright status can be found directly beneath each graph on FRED, and the notes below the graph provide more information. If you are unsure if a data series is under copyright, please contact us.
There are three (3) types of data series copyright status you will encounter in FRED:
Copyrighted: Pre-approval required
These series are under copyright by a third party. Without first obtaining the express written permission of the copyright holder, the information may only be, these series may only be used for non-commercial educational or personal use. For any other use, you must obtain permission from the copyright holder and include proper attribution of ownership. Neither the Federal Reserve Bank of St. Louis nor FRED can provide permission(s) on behalf of copyright holders and will not request such permission(s) on your behalf. Link to these series.
Copyrighted: Citation required
These series are under copyright; but, provided you have not engaged in any prohibited uses, you may use these data series with proper attribution of the source and acknowledgment that you obtained the data from FRED (example, “Source: BLS via FRED”) when displaying or publishing it. We recommend using the citation provided in the series notes. Graphs downloaded from FRED are self-citing and do not require a separate citation. Link to these series.
Public Domain: Citation requested
These series may be under copyright or in the public domain and may be used without permission, provided you do not engage in any prohibited use. When using, please cite the data source and acknowledge that you obtained the data from FRED (example, “Source: BLS via FRED”) when displaying or publishing it. We recommend using the citation provided in the series notes. Graphs downloaded from FRED are self-citing and do not require a separate citation. Quite a few series are in the public domain. Link to these series.
IV. Commercial Use
Series with the following copyright labels—Public Domain: Citation requested and Copyrighted: Citation required—may be used for internal commercial uses and may be displayed in textbooks, newsletters, or reports to clients provided that appropriate attribution is given to FRED as well as the original source of the data.
- You do not need a FRED® Account to view or use the FRED® Services or Content. If you are eligible to and choose to create a FRED® Account, please be aware of additional terms which cover the use of FRED Accounts.
- Everything you see on FRED® belongs either to the Federal Reserve Bank of St. Louis or a third party. A copyright notice on a FRED series indicates other parties may have ownership rights, and you must contact the data owner to obtain permission for any use other than your own personal use.
- You must include proper attribution with the use of any FRED® Content.
- You may not imply that the Federal Reserve Bank of St. Louis sponsors, is affiliated with, or endorses your product or service.
- The Federal Reserve Bank of St. Louis makes no warranties with respect to the data and you agree the Bank shall not be liable to you in connection with your use of the data.
- Introduction and Applicability
- Property Rights and Licenses
- User-Generated Content in FRED® Services
- Prohibitions for FRED® Services
- Miscellaneous Terms
- Digital Millennium Copyright Act
Introduction and Applicability
Some of the FRED® Services and Software are subject to additional terms, including but not limited to FRED® Accounts, FRED® Graphs, and the FRED® API.
Property Rights and Licenses
FRED® Services General License
FRED® Graphs License
Features of the FRED® Services allow you to create your own FRED® graphs. Subject to the rights of third parties in the underlying data contained in the graphs, the Bank grants you a non-exclusive, limited right and license to display and reproduce the charts and graphs , and to permit others to, publish, reproduce and distribute the charts and graphs in any and all manner and media whatsoever, free and clear of any and all claims for royalties, residuals, or other compensation, so long as your use is not excessive and does not attempt to replicate the FRED® Services. All rights not expressly granted by the Bank hereunder are hereby expressly reserved to the Bank.
You understand and agree that the Bank is the sole owner or holder of the rights granted herein to the charts and graphs; however, the charts and graphs may, in some cases, be based on data owned by third parties. The Bank cannot grant permission to use that underlying data, and you are solely responsible for acquiring from such third party owners whatever rights may be required to include such data in the charts and graphs
You warrant and represent that:
|(a)||You will not use (or permit the use of) the graphs or charts in any manner which is harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;|
|(b)||You have the authority to enter into this license and the consent of no other person or entity is required to enable you to make the representations and warranties contained herein;|
|(c)||You will include and will not remove, obscure or deface the FRED® logo as generated on the chart by the FRED® Services; and|
You will include the following credit and legal notice wherever such graphs are placed, including but not limited to textbooks and other education material, blogs, periodicals, websites, and social media sites:
FRED® Graphs ©Federal Reserve Bank of St. Louis. document.write(new Date().getFullYear()). All rights reserved. All FRED® Graphs appear courtesy of Federal Reserve Bank of St. Louis. https://fred.stlouisfed.org/
FRED® Software End User License
The Bank’s Economic Data Add-In (FRED® Add-In), FRED® Widget, the FRED® mobile apps, other FRED® Services software that may be offered from time to time, and any updates thereto (individually or collectively, the "Software") are licensed, not sold to you by the Bank for use only under the terms of this license. By using the Software, You consent to the terms of this license. If you do not consent to the terms of this license, do not use the Software.
The Bank grants you a non-exclusive, non-transferable license to use the Software on any computer or device that you own or control, subject to the restrictions and requirements of this license.
You may not:
|(a)||Distribute, rent, lease, lend, sell, redistribute or sublicense the Software or make the Software available for download over a network without prior written permission from the Bank;|
|(b)||Modify, create derivative works of, reverse engineer, decompile or disassemble the Software or any portion of it; or|
|(c)||Use or export the Software except as authorized by United States law. In particular, but without limitation, the Software may not be exported or re-exported (a) into any U.S. embargoed countries or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. By using the Software, You represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use these products for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of nuclear, missiles, or chemical or biological weapons. Any attempt to do so is a violation of the rights of the Bank and any breach of these restrictions may subject you to prosecution and damages.|
This licenses set forth above are effective until terminated by you or the Bank. The licenses will terminate automatically without notice from the Bank if you fail to comply with any term of the licenses. Upon termination of the licenses, you shall cease all use of the FRED® Services, and destroy all copies, full or partial, of the FRED® Content.
User-Generated Content in FRED® Services
In some Services, for example the FRED® Dashboards, content may be supplied by FRED® users.
The Bank exercises no control over any content you or other users submit while using the FRED® Services. The Bank has no obligation to verify the identity of any users when they are connected to the site or to supervise the content which has been provided by users.
The Bank does not endorse any user submission or any opinion, recommendation, or advice expressed therein, and the Bank expressly disclaims any and all liability in connection with user submissions.
You understand that when using the FRED® Services, you may be exposed to user submissions from a variety of sources. You further understand and acknowledge that you may be exposed to user submissions that are inaccurate, offensive, indecent, or objectionable. The Bank is not responsible for the accuracy, usefulness, safety, appropriateness, or intellectual property rights of or relating to such user submissions.
The FRED® Services may contain links to third party websites that are not owned or controlled by the Bank. The Bank has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites.
You agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against the Bank or the FRED® Services with respect to third party content or sites, and agree to indemnify and hold the Bank, its officers, employees and agents, harmless to the fullest extent allowed by law regarding all matters related to your use of the FRED® Services.
You are solely responsible for your interactions with other FRED® Services users. We reserve the right, but have no obligation, to monitor disputes between you and other users.
Prohibitions for FRED® Services
You may not:
|(a)||Use the FRED® Services in a manner that adversely impacts the stability, or in any other manner that could damage, disable, overburden or impair the FRED® Services or Bank servers;|
|(b)||Upload, post, transmit, share, store or otherwise make available any content, or use the FRED® Services for any application, product, service, or material that the Bank deems to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;|
|(c)||Upload, post, transmit, share, store or otherwise make available any content, or use the FRED® Services for any application, product, service, or material or that constitutes, promotes or is used in connection with: spyware, adware, viruses, worms, defects, Trojan horses, or other malicious programs or code, counterfeit goods, items subject to U.S. embargo, unsolicited mass distribution of email ("spam"), multi-level marketing proposals, "chain letters," "pyramid schemes," or any other form of solicitation hacking, surveillance, interception, descrambling equipment, prostitution, body parts and bodily fluids, stolen products and items used for theft, fireworks, explosives, and hazardous materials, government IDs, police items, gambling, professional services regulated by state licensing regimes, non-transferable items such as airline tickets or event tickets, weapons and accessories;|
|(d)||Harvest or collect email addresses or other contact information of other users from the FRED® Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;|
|(e)||Use the FRED® Services in any manner or for any purpose that violates any law or regulation, any right of any person, including but not limited to intellectual property rights, rights of privacy, or rights of personality;|
|(f)||Solicit passwords or personally identifying information for commercial or unlawful purposes;|
|(g)||Use scrapers, bots, or similar technology to collect information from or otherwise interact with the FRED® Services;|
|(i)||Remove, obscure, or alter any proprietary rights notices (including copyright and trademark notices) that may be affixed to content accessed or provided through the FRED® Services;|
|(j)||Except as expressly authorized in the FRED® Terms of Service, use the FRED® Services for any commercial use without the prior written consent of the Bank.|
|(k)||Engage in the use, copying, or distribution of any of the content of the FRED® Services other than expressly permitted herein, including any use, copying, or distribution of user submissions of third parties obtained through the FRED® Services for any commercial purposes.|
|(l)||Replicate or attempt to replace the essential user experience of the FRED® Services.|
|(m)||Frame the FRED® Services.|
|(n)||Circumvent, disable or otherwise interfere with security-related features of the FRED® Services or features that prevent or restrict use or copying of any content or enforce limitations on use of the FRED® Services or the content therein.|
Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies the Bank may have at law or in equity.
You do not have to register for an FRED® account to use FRED®; however some functionality of FRED®, such as dashboards, data lists, saved graphs, saved maps and the FRED® API may require an account.
By registering for a FRED® account, you agree to that you will:
|(a)||Provide true, accurate, current and complete information about you and/or your company as may be prompted by any FRED® account registration forms ("Registration Data");|
|(b)||Maintain and promptly update the Registration Data, and any other information you provide to the Bank, to keep it accurate, current and complete;|
|(c)||Have your personal data transferred to and processed in the United States.|
|(d)||Maintain the confidentiality and security of your password and identification; and|
|(e)||Be solely and fully responsible for all use of your FRED® account and for any actions that take place using your FRED® account. If you have reason to believe that your account is no longer secure (e.g., in the event of a loss, theft or unauthorized disclosure or use of your account ID, password, or any other personal information), then you agree to immediately notify the Bank. You may be liable for the losses incurred by the Bank or others due to any unauthorized use of your Fred® account.|
You agree not to:
|(a)||Create a FRED® account for anyone other than yourself without permission;|
|(b)||Attempt to cloak or conceal your identity when registering to use or using a FRED® account.|
|(c)||Use a FRED® account if you are under 13;|
|(d)||Use a FRED® account if you are located in a country embargoed by the U.S., or are on the U.S. Treasury Department's list of Specially Designated Nationals;|
|(e)||Share your password, let anyone else access your FRED® account, or do anything else that might jeopardize the security of your FRED® account;|
|(f)||Transfer your FRED® account to anyone without first getting the Bank’s written permission.|
|(g)||Use or attempt to use another's account, service or system without authorization, create a false identity, impersonate another user, or falsely claim an affiliation with any person or entity.|
Your User Submissions
As the holder of a FRED® account, you may have the opportunity to submit content and comments, collectively referred to as "User Submissions." You understand and agree that User Submissions are non-confidential.
You are solely responsible for your own User Submissions and the consequences of posting or publishing them. In connection with User Submissions, you affirm, represent, and/or warrant that:
|(c)||Your User Submission does not contain any viruses, adware, spyware, worms, or other malicious code.|
You retain all of your ownership rights in your User Submissions. However, by submitting User Submissions to the FRED® Services, you hereby grant the Bank a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Submissions in connection with the FRED® Services and the Bank's business, including without limitation for promoting and redistributing part or all of the FRED® Services (and derivative works thereof) in any media formats and through any media channels without acknowledgment or compensation to you. You understand and agree that the Bank may retain server copies of User Submissions that have been removed or deleted.
By submitting User Submissions to the FRED® Services, you also hereby grant each user of the FRED® Services a non-exclusive license to access your User Submissions through the FRED® Services, and to use, reproduce, distribute, display and perform such User Submissions as permitted through the functionality of the FRED® Services and under these Terms of Service.
The above licenses granted by you in User Submissions are perpetual and irrevocable.
In connection with User Submissions, you further agree that:
|(a)||You will not submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant the Bank all of the license rights granted herein.|
|(c)||You will not upload, post, transmit, share, store or otherwise make publicly available on the FRED® Services any private information of any third party, including, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;|
|(d)||The Bank is not responsible for a User’s misuse or misappropriation of any content or information you post.|
FRED® Account Termination
Your license to use a FRED® account continues until it is terminated by either party. Upon termination, you lose access to those FRED® services and functions that require a FRED® account.
Your FRED® account may be terminated as follows:
|(a)||You may request the Bank terminate your FRED® account by contacting email@example.com.|
|(b)||The Bank may terminate your FRED® account, or your use of the services requiring a FRED® account (or any part thereof) and remove and discard all or any part of your Registration Data, User profile, or User Content at any time without prior notice for any or no reason and at its sole discretion.|
|(c)||Your rights to use a FRED® account terminate automatically if (i) you violate any of these terms, (ii) the Bank sends a written notice of termination to you, or (iii) the Bank disables your access to the FRED® account.|
|(d)||The Bank may at any time may change, suspend, or discontinue the FRED® account services or any part thereof, with or without notice.|
|(e)||The Bank may impose limits on certain features and services or restrict your access to parts or all of the FRED Services without notice or liability.|
Property Rights for FRED® API
Data series available through the FRED® API, may be owned by third parties and subject to copyright restrictions. Although the FRED® API can be used to provide you with access to FRED®, ALFRED® , or other data series, neither the Federal Reserve Bank of St. Louis's provision of the FRED® API to you nor your use of the FRED® API override the data series owners' copyrights, requirements and restrictions. You are solely responsible for complying with any requirements or restrictions imposed on usage of the data series by their respective owners. Before using data series owned by third parties for anything other than your own personal use, you must contact the data owner to obtain permission. The Federal Reserve Bank of St. Louis cannot give you such permission and making the data series available through the FRED® API does not constitute such permission.
Copyrighted series contain the word 'Copyright' in their notes. The list of copyrighted series can be found by either searching for the word 'copyright' on the FRED® website or searching for the word 'copyright' using the fred/series/search API request.
The FRED® API and all intellectual property rights in and to the FRED® API is and shall at all times remain the sole and exclusive property of the Bank and are protected by applicable intellectual property laws and treaties. The Bank’s rights apply to all output and executables of the FRED® API, excluding any software components developed by you which do not themselves incorporate the FRED® API or any output or executables of the FRED® API.
Changes and Upgrades
The Bank may change, suspend, or discontinue any aspect of the FRED® API at any time, including the availability of the FRED® API. The Bank may release subsequent versions of the FRED® API and may require you to obtain and use the most recent version.
The Bank may impose limits on certain features and services or restrict your access to parts or all of the FRED® API or the FRED® Services without notice or liability. You acknowledge and agree that the Bank may impose or adjust the limit on the amount of bandwidth you may use or the number of transactions you may send or receive through the FRED® API; such fixed upper limits may be set by the Bank at any time, at the Bank’s discretion.
Prohibitions for FRED® API
You may not:
|(a)||Use the FRED® API for any application that replicates or attempts to replace the essential user experience of the FRED® API, or the FRED® Services.|
|(b)||Attempt to cloak or conceal your identity or your application's identity when requesting authorization to use the FRED® API.|
|(c)||Use an unreasonable amount of bandwidth, or use the FRED® API in a manner that adversely impacts the stability of Federal Reserve Bank of St. Louis servers or adversely impacts the behavior of other applications using the FRED® API, the Federal Reserve Bank of St. Louis web site or web services.|
|(d)||Use FRED® API for any application, product, service, or material that constitutes, promotes or is used in connection with: spyware, adware, viruses, worms, defects, Trojan horses, or other malicious programs or code, counterfeit goods, items subject to U.S. embargo, unsolicited mass distribution of email ("spam"), multi-level marketing proposals, hate materials, hacking, surveillance, interception, descrambling equipment, libelous, defamatory, harassing, obscene, pornographic, abusive or otherwise offensive content, prostitution, body parts and bodily fluids, stolen products and items used for theft, fireworks, explosives, and hazardous materials, government IDs, police items, gambling, professional services regulated by state licensing regimes, non-transferable items such as airline tickets or event tickets, weapons and accessories.|
|(e)||Use FRED® API in any manner or for any purpose that violates any law or regulation, any right of any person, including but not limited to intellectual property rights, rights of privacy, or rights of personality.|
|(f)||Use "FRED®" or "ALFRED®" or “Federal Reserve Bank” or any variation thereof in the hostname of your application, i.e. FRED.mydomain.com.|
|(h)||Remove, obscure, or alter any proprietary rights notices (including copyright and trademark notices) that may be affixed to data accessed or provided through the FRED® API.|
|(i)||State or in any way imply that your application, web site or product is endorsed, recommended or favored by the Federal Reserve Bank of St. Louis.|
Requirements for FRED® API
|(a)||Place the following notice prominently on your application: "This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis."|
|(b)||Comply with all export laws and restrictions and regulations of the Department of Commerce, the United States Department of Treasury Office of Foreign Assets Control ("OFAC"), or other United States or foreign agency or authority, and you shall not export, or allow the export or re-export of the FRED® API in violation of any such restrictions, laws or regulations. By downloading or using the FRED® API, you agree to the foregoing and represents and warrants that you are not located in, under the control of, or a national or resident of any restricted country.|
In order to use the FRED® API, you must have register for an API Key. You agree that any information you give to the Bank in connection with your registration or your continued use of the FRED® API will always be accurate, correct and up to date.
You agree that you will be solely responsible to the Bank for your use of the FRED® API. If you become aware of any unauthorized use of your password, your account, or your API key, you agree to notify the Bank immediately.
Term and Termination
- You must be eligible for, register for, and log in with a FRED® Account to play FREDCAST.
- You agree that you will not, under any circumstances use cheats, automation software (bots), hacks, mods or any other unauthorized third-party software designed to modify the FREDCAST experience. You may not use or exploit errors in design, features which have not been documented, and/or "program bugs" to gain access that is otherwise not available, or to obtain a competitive advantage over other players.
- All rights and title to FREDCAST®, including without limitation, computer code, themes, objects, concepts, methods of operation, layout, moral rights, and any related documentation are owned by the Federal Reserve Bank of St. Louis. You agree that you have no right or title in or to any such content.
- Rules Related to Usernames and League Designations:
a. Each user will either select a username or “handle” or allow FREDCAST to select a user designation. Additionally, users may form "leagues" and such leagues will be required to choose a name. Your handle and league designation will be publicly viewable. b. Handles and league names may not be changed, except by the Bank as provided in subparagraph e for violation of the naming rules. c. When you choose a handle, create a league, or otherwise create a label that can be seen by other players using FREDCAST, you must abide by the following guidelines as well as the rules of common decency. If the Bank finds such a label to be offensive or improper, it may, in its sole and absolute discretion, change the handle or label, and/or suspend or terminate your use of FREDCAST and/or the FRED Services. In particular, you may not use any name: i. Belonging to another person with the intent to impersonate that person, including without limitation any other user or an employee or agent of Bank or the Federal Reserve System; ii. That incorporates vulgar language or which is otherwise offensive, defamatory, obscene, hateful, or racially, ethnically or otherwise objectionable; iii. To harass or disrupt another individual or league; iv. That is disparaging, abusive, injurious, embarrassing, detrimental, derogatory to or critical of or to Bank or the Federal Reserve; v. Subject to the rights of any other person or entity; vi. That belongs to a popular culture figure, celebrity, or media personality; vii. That is, contains, or is substantially similar to a trademark or service mark, whether registered or not; viii. Belonging to any religious figure or deity; ix. Related to drugs, sex, alcohol, or criminal activity; or x. Referring to pop culture icons or personas (e.g. "Spiderman", "Puppymonkeybaby", “Octomom”.) d. You may not use a misspelling or an alternative spelling to circumvent the name rules listed above. e. If you violate the above name rules, the Bank may, without notice to you, change your name to an alphanumeric designation of its choosing, which name change shall be final. f. While not a rule, for your own privacy the Bank recommends you do not use your full name as a handle.
- FREDCAST is not intended for children under 13.
SOME OF THE FRED® SERVICES MAY BE EXPERIMENTAL AND NOT TESTED IN ANY MANNER. THE BANK DOES NOT REPRESENT OR WARRANT THAT THE FRED® SERVICES ARE FREE OF INACCURACIES, ERRORS, BUGS, OR INTERRUPTIONS, OR ARE RELIABLE, ACCURATE, COMPLETE, OR OTHERWISE VALID.
THE FRED® SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE”, WITH ALL FAULTS AND WITH NO WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND AND THE BANK EXPRESSLY DISCLAIMS ANY AND ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABLILTIY, SATISFACTORY QUALITY, ACCURACY, QUIET ENJOYMENT, SECURITY, TITLE AND/OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS.
YOUR USE OF THE FRED® SERVICES IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE THAT RESULTS FROM THE USE OF THE FRED® SERVICES INCLUDING, BUT NOT LIMITED TO, ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA.
THE BANK DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, THE FRED® SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE FRED® SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE FRED® SERVICES WILL BE CORRECTED.YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE FRED® SERVICES IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU.
Limitation of Liability
THE BANK SHALL NOT, UNDER ANY CIRCUMSTANCES, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE FRED® SERVICES, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE, PRODUCT LIABILITY OR OTHERWISE) OR OTHER LEGAL OR EQUITABLE THEORY, FOR ANY LOST PROFITS, LOST OR CORRUPTED DATA, COMPUTER FAILURE OR MALFUNCTION, INTERRUPTION OF BUSINESS, OR OTHER SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER PECUNIARY LOSS OF ANY KIND ARISING OUT OF THE USE OR INABILITY TO USE THE FRED® SERVICES, EVEN IF THE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES AND WHETHER OR NOT SUCH LOSS OR DAMAGES ARE FORESEEABLE. UNDER NO CIRCUMSTANCES SHALL THE BANK BE LIABLE TO YOU FOR ANY AMOUNT.
Exclusions and Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS LIABILITY AND DISCLAIMERS MAY NOT APPLY TO YOU.
Release and Waiver
To the maximum extent permitted by applicable law, you hereby release and waive all claims against the Bank, and its officers, agents, and employees from any and all liability for claims, damages (actual and/or consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, arising from or in any way related to your use of the FRED® Services. If you are a California resident, you waive your rights under California Civil Code § 1542, which states, "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor." You understand that any fact relating to any matter covered by this release may be found to be other than now believed to be true and you accept and assume the risk of such possible differences in fact. In addition, you expressly waive and relinquish any and all rights and benefits which you may have under any other state or federal statute or common law principle of similar effect, to the fullest extent permitted by law.
Hold Harmless and Indemnity
You agree that the Bank shall have no liability whatsoever for any use you make of the FRED® Services. You agree to indemnify and hold harmless the Bank and its officers, agents, and employees from and against any and all claims, damages, liabilities, costs and fees (including reasonable attorneys' fees) arising from or in any way related to your use of the FRED® Services, including any liability or expense arising from all claims, losses, damages (actual and/or consequential), suits, judgments, litigation costs and attorneys' fees, of every kind and nature.
Relationship of the Parties
Invalidity of Specific Terms
Location of Lawsuit and Choice of Law
No Waiver of Rights
Digital Millennium Copyright Act
The Bank undertakes to obey all relevant copyright laws, and does not permit copyright infringing activities and infringement of intellectual property rights on the FRED® Services. The Bank will review all claims of copyright infringement received and remove content deemed to have been posted or distributed in violation of any such laws.
The Bank will promptly terminate without notice any user's access to the FRED® Services if that user is determined by the Bank to be a "repeat infringer." A repeat infringer is a user who has been notified by the Bank of infringing activity violations more than twice and/or who has had their user-submitted content removed from the FRED® Services more than twice. The Bank may also at its sole discretion limit access to the FRED® Services and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.
If you are a copyright owner or an agent thereof and believe that any user submission or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):
If you believe that your user submission that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content in your user submission, you may send a counter-notice containing the following information:
|(c)||Claims and counter-notices can be sent to firstname.lastname@example.org or Data Desk, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63166-0442. You acknowledge that if you fail to comply with all of the above requirements of this Section, your DMCA notice or counter-notice may not be valid.|