Terms of Use
Terms of Use
Please note that this website is provided as a service to our investors and prospective investors. The content provided on this website is for informational purposes only, by the CRM Mutual Fund Trust. The CRM Mutual Fund Trust is an affiliate of Cramer Rosenthal McGlynn, LLC, a registered investment adviser and adviser to the CRM Mutual Fund Trust (collectively, “CRM.”)
ACCEPTANCE OF THE TERMS OF USE
By using this website, you assent to the following terms of use and other conditions, without limitation or qualification. Please read these terms carefully before using this website. These terms are a binding contract between you and CRM, as well as its affiliates. CRM reserves the right, at its discretion, to amend, change, modify, add, or remove portions of these terms at any time and without notice by updating this posting. We suggest that you check these terms periodically for changes. The terms can be accessed from the link at the bottom of our website pages. If you use this website after we post changes to the terms, you accept the changed terms. If you do not agree to these terms, you are not granted permission to use this website.
GENERAL INFORMATION
The information provided on this website is provided for informational purposes only. This website is not intended to provide any tax, legal, insurance or investment advice, and nothing on this website should be construed as a recommendation, by us or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. No information contained on this website constitutes an offer, or a solicitation to buy or sell any security. No security or other product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, or other laws, of the jurisdiction. The mutual funds referred to on this website may be offered and sold only to persons in the United States. Some products may not be available in all states. You should carefully consider CRM’s investment goals, risk, strategies, charges and expenses before investing. For more complete information on any fund, including expenses and any applicable fees, please obtain a free prospectus by downloading a copy from this website, or calling 1-800-CRM-FUNDS. Please read the prospectus carefully before you invest or send money.
GENERAL DISCLAIMER
While CRM seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors for which we apologize. THE INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CRM DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND AVAILABILITY. CRM DOES NOT WARRANT, EITHER EXPRESSLY OR IMPLIEDLY, THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED ON THIS WEBSITE. CRM DOES NOT REPRESENT OR WARRANT THAT USE OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ERRORS OR DEFECTS ON THE WEBSITE WILL BE CORRECTED, OR THAT THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL CODE OR “BACK DOORS.”
PRINCIPAL INVESTMENT RISKS OF THE FUNDS
It is possible to lose money by investing in a Fund. There is no guarantee that the stock market or that the stocks that a Fund buys will increase in value. The Funds are subject to the following principal investment risks:
Market Risk. Stock markets are volatile and can decline significantly in response to adverse issuer, regulatory, market or economic developments. Different parts of the market can react differently to these developments.
Company Risk. The value of an individual security or particular type of security can be more volatile than the market as a whole and can perform differently from the value of the market as a whole. This may result from a wide variety of factors that affect particular companies or industries, including changes in market demand for particular goods and services, increases in costs of supply, changes in management, increased competition, and changes in regulatory environment.
Value Investing Risk. Value stocks can perform differently from the market as a whole and other types of stocks and can continue to be undervalued by the market for long periods of time. The investment adviser may be incorrect when it decides that some stocks are undervalued by the market.
Risks of Small and Mid Cap Companies. Compared to mutual funds that focus on large capitalization companies, shares of the Small Cap Value Fund, the Small/Mid Cap Value Fund and the Mid Cap Value Fund may be more volatile because of their focus on smaller and mid capitalization companies. These companies are more likely to have more limited product lines, fewer capital resources and less depth of management than larger companies.
Risks of Foreign Investments. Each Fund may invest in foreign securities. Investing in foreign securities involves special risks that can increase the potential for losses. These risks may include expropriation of assets, illiquid foreign securities markets, confiscatory taxation, foreign withholding taxes, currency exchange controls and political or social instability. The Funds could also lose money if the currency in which a foreign security is priced declines in value relative to the U.S. dollar. In some foreign countries, less information is available about issuers and markets because of less rigorous accounting and regulatory standards than in the U.S. Foreign markets may offer less protection to investors. Enforcing legal rights in some foreign countries may be difficult, costly and slow.
Additional Risks. The Funds are also subject to other risks, some of which are described under “Additional Risk Information” of the Funds’ prospectus.
For more information regarding investment risks, please refer to the Funds’ prospectus.
LIMITATION OF LIABILITY
CRM EXPRESSLY DISCLAIMS ALL LIABILITY FOR ERRORS AND OMISSIONS IN THESE MATERIALS AND FOR THE USE OR INTERPRETATION BY OTHERS OF INFORMATION CONTAINED ON THE WEBSITE. CRM WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT COULD RESULT FROM INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION MADE AVAILABLE TO OR BY YOU VIA THIS WEBSITE. NEITHER CRM, NOR ANY OF ITS AFFILIATES, TRUSTEES, DIRECTORS, OFFICERS OR EMPLOYEES, NOR ANY THIRD PARTY VENDOR RETAINED BY CRM WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF CRM OR OF ANY VENDOR PROVIDING SOFTWARE OR SUPPORT SERVICES FOR THIS WEBSITE. IN NO EVENT WILL CRM, ITS AFFILIATES OR ANY SUCH PARTIES BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND, EVEN IF CRM OR ANY OTHER PARTY HAVE BEEN ADVISED OF THE POSSIBILITY THEREOF. DECISIONS BASED ON INFORMATION CONTAINED ON THIS WEBSITE ARE THE SOLE RESPONSIBILITY OF THE VISITOR, AND IN EXCHANGE FOR USING THIS WEBSITE, THE VISITOR AGREES TO HOLD CRM HARMLESS AGAINST ANY CLAIMS FOR DAMAGES ARISING FROM ANY DECISIONS THAT THE VISITOR MAKES BASED ON SUCH INFORMATION.
INDEMNIFICATION
You hereby agree to indemnify, defend and hold CRM and its affiliates, trustees, directors, officers and employees harmless from and against any claims, losses, damages, liabilities or expenses (including reasonable attorneys’ fees and expenses) arising out of or resulting from your violation of any law, rule or regulation relating to your use of the website, or any breach by you of these terms of use or any of the representations, warranties and covenants made by you herein, or out of any other activity engaged in by you whatsoever. CRM shall have the right to participate in such defense through counsel of its own choosing. In no event shall you consent to entry of judgment or enter into any settlement agreement that does not include a full release of CRM and other affected indemnified persons or entities, nor shall you make any statement in settlement of any third party claim or proceeding in which it is alleged that your use of the website infringes a third party intellectual property right which may be construed as an admission of liability or an acknowledgment of third party rights or which may otherwise affect CRM’s rights in or to the website, without CRM’s prior written approval.
RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by CRM. All information contained on this website is confidential and intended solely for persons who have been granted permission to use this website. Permission is granted to display and navigate around this website solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted in writing by CRM, no text, graphics, video, audio, software code, user interface design, logos or any other content of this website may be used, modified, framed, copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only if you preserve and retain all copyright and other proprietary notices contained on the materials. Downloading material from this website does not transfer to you any title to such material.
CRM neither warrants nor represents that your use of materials displayed on this website or links will not infringe rights of the third parties not owned by or affiliated with CRM.
You may not use this website in any manner that could damage or overburden any CRM server or any network connected to any CRM server or that could interfere with any other person’s use of the website.
SEC MATERIALS
Certain information provided through this website has been filed with the Securities and Exchange Commission (“SEC”) (such materials being referred to as “SEC Materials”). CRM does not assume any duty of disclosure beyond that which is imposed by law, and expressly disclaims any duty to update any information set forth in the SEC Materials. The SEC Materials should be read in conjunction with an entity’s periodic and other reports filed with the SEC, including the disclosures therein of certain factors which may affect an entity’s future performance. Individual statements appearing in the SEC Materials are intended to be read in conjunction with and in the context of the complete SEC Materials in which they appear, rather than as stand-alone statements.
Certain statements included in both the SEC Materials and other public disclosures contained on this website are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. The most significant of such factors include, but are not limited to, the following: the performance of financial markets, the investment performance of sponsored investment products and separately managed accounts, general economic conditions, future acquisitions, competitive conditions, and government regulations, including changes in tax rates. CRM cautions readers to carefully consider such factors. Further, such forward-looking statements speak only as of the date on which such statements are made; CRM undertakes no obligation to update any forward-looking statements to reflect events or circumstances after the date of such statements.
INFORMATION FOR FOREIGN INVESTORS
This website and the information contained herein are intended for customers and prospective customers who are residents of the United States only. Nothing on this website shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, purchase or sale would be unlawful under the laws of such jurisdiction.
ELECTRONIC SUBMISSIONS AND TRANSMITTALS
Electronic Mail (“email”) submitted to this website should be considered neither secure nor confidential. CRM makes no representation whatsoever concerning the security or confidentiality of your email messages and specifically makes no representation that any email message submitted through this website will be received by CRM.
Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of CRM or its affiliates. Such communications or material may be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, CRM is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Any online acknowledgments or other messages which may appear on your screen for any transactions entered into do not mean that such transactions have been received, accepted or rejected by CRM. These acknowledgments only indicate that such transactional information entered by you has been transmitted to CRM or that it cannot be transmitted as sent. Your transaction should not be considered confirmed until you receive confirmation from CRM that it has received your transmittal and accepts or rejects the transaction.
PROTECTION AND VERIFICATION OF PERSONAL FINANCIAL INFORMATION
Use of CRM’s website and/or related sites, which may be accessed through this site, involves electronic transmission of personal financial information. CRM is not responsible for the transmission of such information. To enhance protection of your personal financial information and minimize your security risk, CRM strongly recommends that you exit from your browser at the completion of your online account transaction(s). Please refer to CRM’s Privacy Policy for additional information regarding your privacy. In addition, CRM recommends that you employ all reasonable and practicable means to protect the privacy of your personal information. You acknowledge that there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties when communicated between you and CRM and between you and other users. If you believe that the security of CRM may have been breached or your information on CRM may have been used without your authorization, please call us immediately at 212-838-3830.
You are responsible for reviewing all account statements which you receive in order to verify the accuracy of the CRM account information provided to you in the statement and the transaction(s) entered into through this website. CRM recommends that you verify the accuracy of the monthly statements immediately upon receiving them. Furthermore, you are also responsible for promptly notifying CRM of any errors or inaccuracies relating to information contained in or omitted from your account statement, including errors or inaccuracies arising from the transaction(s) conducted through this website. Any and all transactions are subject to all of the requirements, restrictions and fees set forth in CRM’s prospectus.
TRADEMARKS AND COPYRIGHTS
CRM owns and operates this website. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of CRM or the third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.
Images displayed on this website are either the property of, or used with permission by, CRM. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications or other regulations or statutes. If you download any information or software from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
THIRD PARTY CONTENT/LINKED WEBSITES
This website may provide links to other websites for your convenience in locating related information and services. Your use of these other websites is at your own risk. Unless otherwise indicated, CRM does not maintain these other websites and has no control over the organizations that maintain the websites or the information, products or services that these organizations provide. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by CRM. Further, CRM does not guarantee the completeness or suitability of the information provided by these organizations for any purpose and does not recommend or endorse these organizations or their products or services in any way. CRM shall have no liability for any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.
APPLICABLE LAWS AND VENUE
This website (excluding linked websites) is controlled by CRM from its offices within the State of New York, United States of America. By accessing this website, both you and CRM agree that the statutes and laws of the State of New York, without regard to conflicts of laws principles thereof, will apply to all matters relating to use of this website. If you take legal action relating to these terms, you agree to file such action only in the New York State Supreme Court in New York County or the United States District Court for the Southern District of New York, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.
INTEGRATION AND SEVERABILITY
If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding terms of use represent the entire agreement between CRM and the user relating to the subject matter herein.
The headings of the provisions hereof are for descriptive purposes only and will not modify or qualify any of the rights or obligations set forth in such provisions.
THE EFFECTIVE DATE OF THESE LEGAL NOTICES IS AUGUST 2006. THESE POLICIES MAY BE CHANGED FROM TIME TO TIME. WHEN A MATERIAL CHANGE IS MADE IN THESE NOTICES, THE EFFECTIVE DATE WILL BE UPDATED.