Your Rights as an Investor
As an investor, you have the right to:
Quality service
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To be treated in a fair, ethical, and respectful
manner in all interactions with a securities
firm and its employees.
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To receive competent and courteous service
and advice at a fair price.
Full, clear reporting
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To receive clear, accurate, easy-to-understand
descriptions of all your transactions, statements,
and other communications from CMC.
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To be informed clearly about all the costs
associated with your account and the costs
related to individual transactions, including
commissions, sales charges, and other fees.
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To receive accurate and timely statements
of your account, including detailed transactional
information.
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To be provided with clear descriptions of
CMC's policies and practices for protecting
the privacy of nonpublic, personal information.
View CMC's
Privacy Policy
Responsible investment
advice
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To be provided with responsible investment
recommendations based on your personal objectives,
time horizon, risk tolerance, and other factors,
as disclosed by you.
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To expect that CMC will provide professional
assistance to help you clarify your investment
goals and risk tolerance.
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To be presented by CMC with reasonable investment
alternatives designed to meet those expectations,
and disclose the comparative risks, benefits,
and costs.
Prompt, fair resolution of
problems
Your
Responsibilities as an Investor
As an CMC investor, you have a responsibility
to:
Inform and educate yourself
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Read thoroughly all sales literature, prospectuses,
and/or other offering documents, when available,
before making any investment.
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Carefully consider all investment risks,
fees, and/or other factors explained in these
documents.
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Make certain that you understand the relationship
not only between your investment objectives
and the risks and returns on your particular
investments but also between your particular
investments and your investment objectives.
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You need to remember at all times that every
investment has some degree of risk and that
it is possible to lose money -- some or all
-- on any investment.
Communicate with your financial representative
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Provide completely accurate information
about your financial status, investment goals,
and risk tolerance when seeking investment
advice, so that CMC can provide you with
appropriate recommendations.
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Seek out whatever information you need or
want from a CMC Representative by proactively
asking any questions you have about your account,
a specific transaction, risk exposures, potential
conflicts of interest, and, of course, commissions,
sales charges, and other fees.
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Notify CMC promptly whenever there is a
significant change in your investment objectives,
risk tolerance, income, net worth, or liquidity
needs.
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Review your portfolio holdings on a regular
basis, and whenever your financial circumstances
change. You may want to make appropriate changes
based on your investments' performance and
your current objectives.
Keep your accounts current
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Have cash or available margin-buying power
in your investment account, or transfer funds
into that account, to ensure payment for securities
purchases by the settlement date. If you are
paying by check or funds transfer, you should
always make payments directly to Clearview Mortagage Corp.
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Review all transaction confirmations and
account statements or reports carefully and
promptly. You should report any errors or
any questions you have to a CMC Representative
immediately.
Use the right resources
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Consult an attorney or a tax advisor for
specific tax or legal advice.
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Keep in mind that you are fully responsible
for your investment decisions.
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Consider carefully the validity and reliability
of investment information obtained from all
sources, especially unsolicited information
obtained over the Internet.
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Understand that neither our guidance nor
the opinions of outside securities analysts
should ever be interpreted as a guarantee
of future performance or rate of return.
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