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Disclosures

Legal Disclosures and Risk Warnings

Last Updated: January 2025

At Dealcharts.org, transparency and integrity are paramount values. We strive to provide accurate and unbiased information to our users to help them make informed decisions. Please read these important disclosures and risk warnings carefully before using our website and services. By accessing Dealcharts.org, you acknowledge and agree to these terms.

General Disclaimer

Not Investment Advice

The information provided on Dealcharts.org is for educational and informational purposes only. We do not provide investment advice, recommendations, or endorsements of any kind. The content on this website should not be construed as an offer or solicitation to buy or sell securities or other financial instruments.

Nothing on this website constitutes:

  • Investment advice or recommendations
  • Solicitation to buy or sell securities
  • Professional financial guidance
  • Tax, legal, or accounting advice

We do not consider your individual investment objectives, financial situation, or particular needs when creating or presenting content. Therefore, any decisions you make based on the information provided here are solely your responsibility.

Always consult with qualified professionals before making investment decisions. It's important to consult with a qualified financial advisor or other professional who can provide personalized advice based on your specific circumstances and goals.

Dealcharts.org and its contributors do not accept any responsibility for any losses or damages incurred as a result of decisions made based on the information presented on this website. Users should conduct their own research and exercise caution when making financial decisions.

No Warranties

We provide all information "as is" without warranties of any kind, either express or implied, including but not limited to:

  • Accuracy or completeness of data
  • Fitness for any particular purpose
  • Non-infringement of third-party rights
  • Uninterrupted or error-free service

Data and Information Risks

Data Accuracy Limitations

While we strive for accuracy, our data may contain:

  • Reporting Delays - Information may not reflect the most current available data
  • Source Errors - Inaccuracies from third-party data providers
  • Processing Errors - Mistakes in data aggregation or calculation
  • Historical Revisions - Previously reported data may be subsequently corrected

Market Data Risks

Financial market data involves inherent risks:

  • Price Volatility - Security prices can change rapidly and unpredictably
  • Liquidity Risk - Some securities may be difficult to trade
  • Market Disruptions - Extraordinary events may affect data availability
  • Pricing Discrepancies - Different sources may report varying prices

Commercial Relationships and Independence

Affiliate Relationships

Some of the links on this website may be affiliate links, which means we may earn a commission if you click on the link and make a purchase. However, this does not influence our editorial content or recommendations. We only recommend products or services that we genuinely believe will be of value to our users.

Advertising

We may display advertisements on our website, and some of these ads may be served by third-party advertising networks. While we strive to ensure that the ads displayed are relevant and appropriate, we do not necessarily endorse the products or services advertised.

Sponsorship

From time to time, we may enter into sponsorship agreements with companies or organizations. Any sponsored content will be clearly identified as such, and we will always disclose any financial or other relationships we have with sponsors.

Editorial Independence

Our editorial team operates independently of any commercial interests and is solely responsible for the content published on this website. We do not accept payment or incentives in exchange for positive reviews or endorsements.

CMBS and ABS Specific Risks

Credit Risk

Commercial mortgage-backed securities and asset-backed securities involve substantial credit risks:

  • Default Risk - Underlying borrowers may fail to make payments
  • Recovery Risk - Losses may occur even after foreclosure or collection efforts
  • Concentration Risk - Geographic or sector concentration may amplify losses
  • Subordination Risk - Junior tranches may experience total loss before senior tranches

Market Risk

Structured finance securities are subject to significant market risks:

  • Interest Rate Risk - Changes in interest rates affect security values
  • Prepayment Risk - Early payments may reduce expected returns
  • Extension Risk - Delayed payments may extend investment duration
  • Spread Risk - Credit spreads may widen, reducing security values

Complexity Risk

CMBS and ABS structures can be highly complex:

  • Documentation Risk - Complex legal structures may create unexpected exposures
  • Model Risk - Analytical models may not accurately predict performance
  • Regulatory Risk - Changes in regulations may affect security values
  • Operational Risk - Servicer or trustee failures may impact performance

Technology and Service Risks

System Limitations

Our technology platform has inherent limitations:

  • Downtime Risk - System maintenance or failures may interrupt service
  • Capacity Constraints - High usage may slow response times
  • Browser Compatibility - Some features may not work on all browsers
  • Mobile Limitations - Full functionality may not be available on mobile devices

Data Security

While we implement security measures, risks remain:

  • Cyber Threats - Malicious attacks may compromise systems
  • Data Breaches - Unauthorized access to information may occur
  • User Responsibility - Users must protect their own access credentials
  • Internet Risks - Data transmission over the internet is inherently insecure

Intellectual Property

Our Rights

Dealcharts.org and CMD+RVL retain all rights to:

  • Website design and functionality
  • Proprietary analysis and methodologies
  • Brand names, logos, and trademarks
  • Software and algorithms

Third-Party Rights

We respect third-party intellectual property:

  • Data Licensing - Some data is licensed from third parties
  • Usage Restrictions - Certain data may have specific usage limitations
  • Attribution Requirements - Some sources require proper attribution
  • Copyright Compliance - Users must respect all applicable copyrights

Regulatory Considerations

Securities Laws

Investment in CMBS and ABS may be subject to securities regulations:

  • Registration Requirements - Some securities may only be available to qualified investors
  • Disclosure Obligations - Institutional investors may have reporting requirements
  • Trading Restrictions - Certain securities may have transfer limitations
  • Regulatory Changes - New regulations may affect market structure or requirements

International Users

Non-US users should be aware:

  • Local Regulations - Your jurisdiction may have specific investment restrictions
  • Tax Implications - Cross-border investments may have tax consequences
  • Currency Risk - Foreign exchange fluctuations may affect returns
  • Legal Differences - Different legal systems may offer varying protections

Liability Limitations

Exclusion of Damages

To the maximum extent permitted by law, we exclude liability for:

  • Direct Damages - Any losses directly resulting from use of our services
  • Indirect Damages - Consequential, incidental, or punitive damages
  • Lost Profits - Any lost business opportunities or income
  • Data Loss - Loss or corruption of user data or information

Maximum Liability

Our total liability to any user is limited to the amount paid by that user for our services in the preceding 12 months, or $100, whichever is less.

Accuracy and Quality Standards

Accuracy and Fairness

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy or completeness of the content on this website. Users should conduct their own research and exercise due diligence before making any financial decisions based on the information provided here.

Feedback and Corrections

We welcome feedback from our users and are committed to correcting any errors or inaccuracies that may be brought to our attention. If you believe that any information on this website is incorrect or misleading, please contact us so that we can investigate and take appropriate action.

Privacy and Data Protection

Data Collection

We collect limited information to provide our services:

  • Usage Analytics - How users interact with our website
  • Technical Data - Browser type, IP address, and device information
  • Account Information - For users who create accounts (optional)
  • Contact Data - For users who contact us directly

Data Use

We collect certain information from visitors to our website in order to improve the user experience and provide personalized recommendations. We use collected data only for:

  • Service Provision - Delivering requested functionality
  • Service Improvement - Enhancing user experience and platform performance
  • Communications - Responding to inquiries and providing updates
  • Legal Compliance - Meeting applicable legal requirements

Our full privacy policy outlines the complete details of information collection and usage. We are committed to protecting your privacy and will never sell your personal information to third parties.

Third-Party Sharing

We do not sell personal data and share information only:

  • With Consent - When users explicitly authorize sharing
  • Service Providers - With vendors who help operate our platform
  • Legal Requirements - When required by law or legal process
  • Business Transfers - In connection with corporate transactions

User Responsibilities

Appropriate Use

Users must:

  • Comply with Laws - Follow all applicable laws and regulations
  • Respect Rights - Honor intellectual property and privacy rights
  • Use Reasonably - Avoid activities that could harm our systems
  • Verify Information - Confirm data accuracy for their specific needs

Prohibited Activities

Users may not:

  • Redistribute Data - Share our data without proper authorization
  • Reverse Engineer - Attempt to copy our methodologies or systems
  • Overwhelm Systems - Use automated tools that burden our infrastructure
  • Violate Security - Attempt unauthorized access to our systems

Professional Standards

Industry Compliance

We strive to follow industry best practices:

  • Data Quality - Implementing robust quality control procedures
  • Security Standards - Following recognized cybersecurity frameworks
  • Professional Ethics - Maintaining high standards of professional conduct
  • Continuous Improvement - Regularly updating our practices and procedures

Regulatory Alignment

We monitor regulatory developments:

  • SEC Guidelines - Following applicable securities law guidance
  • Industry Standards - Aligning with CREFC, SIFMA, and other industry standards
  • International Practices - Considering global best practices where applicable
  • Regulatory Changes - Adapting to new requirements as they emerge

Updates and Changes

Disclosure Updates

We may update these disclosures:

  • Material Changes - Significant modifications will be prominently announced
  • Regular Reviews - Periodic updates to reflect current practices
  • User Notification - Important changes will be communicated to users
  • Effective Dates - Changes take effect as specified in updated disclosures

Service Changes

Our services may evolve:

  • Feature Additions - New capabilities may be added regularly
  • Data Sources - We may add or change data providers
  • Methodology Updates - Analytical approaches may be refined
  • Platform Improvements - Technical enhancements may affect functionality

Updates to Disclosures

We reserve the right to update or modify these disclosures at any time without prior notice. Any changes will be reflected on this page with an updated "Last Updated" date.

Material Changes

Significant modifications to our policies will be prominently announced and communicated to users through appropriate channels.

Contact Information

For questions about these disclosures or our services:

  • Website Contact - Use our contact form
  • Email Inquiries - Send detailed questions to our support team
  • Legal Matters - For legal inquiries, specify "Legal" in your communication
  • Data Questions - For data-related concerns, specify "Data Quality"

Governing Law

These disclosures and your use of Dealcharts.org are governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.


This disclosure document is for informational purposes only and does not constitute legal advice. Users should consult with qualified legal and financial professionals regarding their specific circumstances and regulatory requirements.

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