Legal Disclaimer and Terms & Conditions

This site is maintained by Income Research & Management (“IR+M”), a privately owned investment adviser registered with the U.S. Securities and Exchange Commission. By using this site, you acknowledge and agree to the following disclaimers and terms and conditions.

This site is for informational purposes only and is not intended to be a solicitation, offering, or recommendation of any security, investment management service, or advisory service. IR+M does not provide legal or tax advice and we encourage you to consult your own lawyer, accountant, or other advisor before making an investment. IR+M does not represent that the securities, products, or services discussed in this website are suitable or appropriate for all investors. Investing involves risk, including possible loss of principal.

Past performance is no guarantee of future results. An investment may be risky and may not be suitable for an investor’s goals, objectives, and risk tolerance. Investors should be aware that an investment’s value may be volatile and any investment involves the risk that you may lose principal.

The views expressed on this website represent the good faith views of the authors at the time of publication. Please be aware that these views are subject to change at any time and without notice of any kind. IR+M assumes no duty and does not undertake to update these views or any forward-looking statements, which are subject to numerous assumptions, risks, and uncertainties, which change over time. Actual views and results may differ materially from those expressed herein.

The reliability and accuracy of the material on this site cannot be assured because of possible technical malfunctions or unauthorized tampering. Use of this site is at your own risk. IR+M does not warrant this site (including any market data or other information accessible on or through this site) for any particular purpose. This site is provided “as is” and on an “as available” basis. IR+M disclaims, to the fullest extent of the law, any warranty of any kind, whether express or implied, as to any matter relating to this site, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. IR+M does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links, or other items contained on this site.

No part of this site may be reproduced in any form, or referred to in any other publication without express written consent of IR+M. Any links to other Internet sites (“hyperlinks”) or other third-party material are included only as a convenience for visitors to this website. IR+M assumes no liability for the content or presentation of such hyperlink sites. Use of any website linked to or from this website shall be at your own risk. IR+M reserves the right to prohibit your access to this site at any time, without notice, for any reason whatsoever, and to revise the software, materials, information, services, and products described in this site, at any time without notifying users.

The information on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject IR+M to any registration requirement within such jurisdiction or country. The information on this website does not constitute an offer for products or services, or a solicitation of an offer to any persons in any jurisdiction who are prohibited from receiving such information under the laws applicable to their place of citizenship, domicile or residence.

IR+M is a registered trademark of Income Research & Management. Unless otherwise noted, this site and all information contained therein are the exclusive property of IR+M and is protected by applicable intellectual property law.

As of October 2015