Full Disclosure
Cypress Asset Management, Inc. is an Illinois registered investment adviser located in Peoria Heights, Illinois. Cypress Asset Management, Inc.’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Cypress Asset Management, Inc.’s web site on the Internet should not be construed by any consumer and/or prospective client as Cypress Asset Management, Inc.’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. For information pertaining to the registration status of Cypress Asset Management, Inc., please contact the state securities regulators for those states in which Cypress Asset Management, Inc. maintains a registration filing. A copy of Cypress Asset Management, Inc.’s current written disclosure statement discussing Cypress Asset Management, Inc.’s business operations, services, and fees is available at the SEC’s investment adviser public information website—www.adviserinfo.sec.gov. Cypress Asset Management, Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Cypress Asset Management, Inc.’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.
Terms of Use
Investment Recommendation or Advice
We at Cypress Asset Management, Inc. provide investment advisory services only to individuals who become Cypress Asset Management, Inc. clients pursuant to a written investment advisory agreement. Articles, commentaries, investment plans and other content provided by us on or through the Website are for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security.
Cypress Asset Management, Inc. services are based on long-term investment strategies incorporating the principles of Modern Portfolio Theory. Our investment approach is firmly rooted in the belief that markets are “efficient” over periods of time and that investors’ long-term returns are determined principally by asset allocation decisions, rather than market timing or stock picking. We recommend diversified portfolios, principally through the use of passively managed, asset-class mutual funds. We select or recommend to clients portfolios of securities, principally broadly-traded open end mutual funds or conservative fixed income securities to implement this investment strategy.
Our investment advice seeks to limit risk through broad diversification among asset classes and, as appropriate for particular clients, the direct investment in conservative fixed income securities to represent the fixed income asset class. Our investment philosophy is designed for investors who desire a buy and hold strategy. Frequent trading of securities increases brokerage and other transaction costs that Cypress Asset Management, Inc.’s strategy seeks to minimize. Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. Please read the Cypress Asset Management, Inc. Form ADV Part 2 (Brochure) carefully prior to becoming a client.
Website Content and Material
The information and materials contained in the Cypress Asset Management, Inc. website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. You are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.
Links
Clicking on certain links within the Cypress Asset Management, Inc. website (“the Website”) or certain other websites that are linked to the Website may take you to other websites, or may display information on your computer screen from other websites, which may not be maintained by Cypress Asset Management, Inc. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to us. Links to other Internet services and websites are provided solely for your convenience. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.
We assume no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which the website is linked (a “linked website”) and such linked websites are not monitored, investigated, or checked for accuracy or completeness by Cypress Asset Management, Inc. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.
No Warranties
All products, services and content on the Cypress Asset Management, Inc. website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. Cypress Asset Management, Inc. does not endorse and is not responsible for the accuracy or reliability of any information on the website. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on the website. Cypress Asset Management, Inc. specifically disclaims any duty to update the information on the website.
You agree to indemnify, defend, and hold Cypress Asset Management, Inc. harmless from any liability, loss, claim and expense, including attorney’s fees related to your violation of these terms of use or the use of the services and information provided at the website.
Limited Liability
Neither Cypress Asset Management, Inc. nor any other party involved in the creation, production or delivery of the information at the website, nor the officers, directors, employees or representatives of Cypress Asset Management, Inc., are liable in any way for any indirect, special, punitive, consequential, or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the website or the use of the website or a linked website or with the delay or inability to use the website or a linked website, whether or not Cypress Asset Management, Inc. is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses, data or harmful code that may affect your equipment or anyone else’s equipment, any incompatibility between the website’s files and your browser or other website accessing program, or any failure of any electronic or telephone equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. Cypress Asset Management, Inc. does not guarantee continuous, uninterrupted or secure access to the website or a linked website. The content, accuracy, opinions expressed, and other links provided by linked websites are not necessarily investigated, verified, monitored or endorsed by Cypress Asset Management, Inc. The information, software, products and description of services published on the website or a linked website may include inaccuracies or typographical errors, and Cypress Asset Management, Inc. specifically disclaims any liability for such inaccuracies or errors. Changes are periodically made to the information on the website and linked websites. Cypress Asset Management, Inc. may make improvements or changes to the website at any time.
Confidentiality of Information
Cypress Asset Management, Inc. has taken reasonable steps to ensure the confidentiality of information taken at the Website and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.
Please read our customer Privacy Policy for further information on confidentiality of information.
Electronic Communications
The Website provides you Cypress Asset Management, Inc. e-mail addresses so that you may communicate electronically by sending an e-mail message to Cypress Asset Management, Inc. All e-mail sent to and from Cypress Asset Management, Inc. will be received or otherwise recorded by the Cypress Asset Management, Inc. corporate e-mail system and is subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient. Communications through the website may involve the electronic transmission, to any e-mail address you provided to us, of information that you may consider to be personal financial information and you agree and consent to such transmission of such information. You agree not to use e-mail to transmit any confidential personal information. It is your responsibility to update or change your e-mail address, as appropriate.
Access and Interference
You agree not to engage in any of the following:
Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Website or any portion of the Website, without Cypress Asset Management, Inc.’s express written consent, which may be withheld in Cypress Asset Management, Inc.’s sole discretion.
Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Website and other than generally available third-party web browsers (such as Microsoft Explorer).
Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Website.
Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Website.
Secured Areas
Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.
Waiver and Severability
Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.
If you have any questions about these Terms of Use, please contact us.