Last Updated: January 1, 2018
Welcome to Vista Data Services, LLC’s (“Vista Data”) website, (www.vistaindex.com) (the “Vista Data Website”), which provides access to Vista Data’s CRT Snapshot. The information provided on the Vista Data Website is provided as an example of Vista Data’s credit risk transfer (“CRT”) benchmarks and supporting information. Vista Data provides products and services related to U.S. residential mortgage credit pricing. These offerings provide investors and lenders with accurate market-based credit pricing and performance information on a substantial portion of this mortgage sector.
Services and Products
The information, reports and materials published, distributed or otherwise made available on the Vista Data Website and CRT Snapshot, including without limitation all text, data, graphics, logos, images, video clips, directories, databases, listings and software (collectively, “Vista Data Content”), are provided solely to describe and provide an example of Vista Data’s credit risk transfer (“CRT”) benchmarks and supporting information, which are available under a paid subscription. However, Vista Data may add and remove features and information to and from the Vista Data Website and CRT Snapshot at any time and from time to time in Vista Data’s sole discretion.
Vista Data may not be able to provide the products and services displayed on the Vista Data Website and CRT Snapshot to residents of certain countries or certain categories of investors. Please consult the applicable terms and conditions for individual products and services, such as sales restrictions or key specific notes, for further information.
All Vista Data Content is published for your information purposes only and is subject to change at any time without notice. It is provided with no regard to your specific investment objectives, financial situation or particular needs and shall not be construed as a solicitation, offer or recommendation to buy or sell any securities, investment or other financial instruments, to effect any transactions or to conclude any legal act of any kind whatsoever. Unless specifically stated otherwise, all price information included in Vista Data Content is indicative only.
Vista Data does not provide investment, legal or tax advice through the Vista Data Website or CRT Snapshot, and nothing herein should be construed as being financial, legal, tax or other advice. When making a decision about your investments, you should seek the advice of a professional financial advisor or qualified expert.
Your use of the Vista Data Website, CRT Snapshot and Vista Data Content is at your own risk. The Vista Data Website and CRT Snapshot, together with all Vista Data Content, is provided “as is” and “as available”, without any representations or warranties of any kind. Any Vista Data Content accessed, downloaded or otherwise obtained through the use of the Vista Data Website and CRT Snapshot is provided at your own risk. Vista Data and its affiliates expressly disclaim all representations and warranties of any kind, whether express or implied, with respect to the Vista Data Website, CRT Snapshot and the Vista Data Content, including but not limited to warranties of title, non-infringement, merchantability, accuracy and fitness for a particular purpose. Without limiting the foregoing, Vista Data does not warrant the accuracy, completeness, timeliness, completeness, security, reliability or availability of the Vista Data Website, CRT Snapshot or the Vista Data Content, that the Vista Data Website and CRT Snapshot will be available at all times or virus-free or error-free, or that they provide a complete statement of the securities, markets or developments referred to therein. Vista Data Content should not be regarded by you as a substitute for the exercise of your own judgment. Any opinions provided by the Vista Data Website or CRT Snapshot are subject to change without notice and may differ or be contrary to opinions expressed by other business areas, groups or affiliates of Vista Data as a result of using different assumptions and criteria. Vista Data is not under any obligation to update or keep current the information contained herein nor to remove any outdated information from the Vista Data Website or CRT Snapshot or to expressly mark it as being outdated.
Vista Data does not represent that any securities or services discussed in Vista Data Content are suitable for any investor. No investment or other decisions should be made based on Vista Data Content.
Limitation of Liability
To the fullest extent permitted by law, in no event shall Vista Data, its affiliates or any of Vista Data’s or its affiliates’ directors, employees, contractors, service providers or agents have any liability whatsoever to you or any person for (a) any indirect, incidental, special, exemplary, consequential or punitive loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of or inability to use all or part of the Vista Data Website, CRT Snapshot, Vista Data Content or any links to third party websites, (b) any damage to your computer systems, defect, failure of performance, error or loss of data that results from access to the Vista Data Website or the download of Vista Data Content, or (c) any amount in excess of one hundred U.S. dollars ($100). The foregoing limitations apply regardless of whether Vista Data or its affiliates have been apprised of the likelihood of such damages occurring.
You are solely responsible for acquiring and maintaining such electronic devices and equipment that can handle and will allow you to access and use the Vista Data Website and CRT Snapshot and for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis (e.g. by using the most recent browser versions, and installing recommended security patches and up-to-date anti-virus programs and firewalls). Vista Data specifically disclaims all liability for any tampering with any user’s computer system by unauthorized parties, or for losses or liabilities suffered by any user arising from viruses or attacks by hackers.
The Vista Data Website and CRT Snapshot may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. Vista Data has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third-party content or websites, including but not limited to, their accuracy, subject matter, quality or timeliness. Vista Data shall have no liability for third party content or websites or websites linking to or framing the Vista Data Website or CRT Snapshot.
Intellectual Property Rights
Vista Data, or the applicable third-party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all Vista Data Content. Individual pages and/or sections of the Vista Data Website and CRT Snapshot may be printed for your personal or internal use only, and provided that such print-outs retain all applicable copyright or other proprietary notices. You shall not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way, whether in whole or in part, any Vista Data Content for commercial or public purposes without the prior written permission of Vista Data. Systematic retrieval or “scraping” of content from the Vista Data Website or CRT Snapshot to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic programs or devices or manual processes) or creating links to the Vista Data Website and CRT Snapshot without the prior written permission from Vista Data is strictly prohibited.
The housing symbol, “Vista” and “Vista CRT Indices” are among the registered and unregistered trademarks of Vista Data. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of Vista Data for any purpose without the prior written permission of Vista Data.
Electronic Communication (E-Mail)
You acknowledge and agree that Vista Data may provide notices to you electronically, such as by e-mail, text messages and mobile push notices, or by any other means selected by Vista Data in its reasonable discretion. You can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Contact Vista Data
Vista Data appreciates hearing from you and welcomes your comments regarding the Vista Data Website and CRT Snapshot (collectively, “Feedback”). You can submit Feedback to Vista Data or contact us for any other reason by emailing us as follows:
If you provide any Feedback, you hereby grant to Vista Data and its affiliates a worldwide, perpetual, irrevocable, royalty-free, sublicensable, transferable license to use and incorporate any Feedback into Vista Data’s products and services.