READ THESE TERMS CAREFULLY BEFORE USING THE CONTENT AVAILABLE AT THE WEBSITE OR OTHERWISE ACCESSING THE WEBSITE. BY ACCESSING THIS WEBSITE OR USING THE AVAILABLE CONTENT, YOU REPRESENT THAT YOU HAVE READ AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AN AUTHORIZED USER AND YOU MAY NOT ACCESS THIS WEBSITE.
WE RESERVE THE RIGHT TO MODIFY, ADD TO OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON BY POSTING A NEW VERSION OF THESE TERMS AT THE WEBSITE. YOU SHOULD REVIEW THESE TERMS PERIODICALLY FOR CHANGES. THE NEW VERSION OF THESE TERMS WILL BE EFFECTIVE ON THE DATE WE POST THE NEW VERSION, WHICH WILL BE SET FORTH AT THE TOP OF THE PAGE. BY ACCESSING THIS WEBSITE OR USING THE AVAILABLE CONTENT AFTER THE EFFECTIVE DATE, YOU AGREE TO THE NEW VERSION OF THESE TERMS.
This Website is offered and available to users who are 18 years of age or older and are U.S. residents. By using this Website, you represent and warrant that you are of legal age to form a binding contract with us and meet our eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
Nothing available at this Website constitutes investment advice, tax or accounting advice, legal or regulatory advice or an offer to sell or a solicitation of an offer to buy any security. Nothing available at this Website constitutes a recommendation of any particular investment strategy or as to the suitability of any transaction, security or other financial product or service. All information and other content presented at or available through this Website is made available solely for your convenience and for general educational purposes. Any reliance you place on such information is strictly at your own risk and any decisions you make based on such information or other content are your sole responsibility. Foresters makes no representations that the information or other content available at this Website is appropriate for use in all locations. The individuals and entities that access this Website are responsible for compliance with applicable local laws and regulations.
All information and other content available on this Website are presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your Web browser to ensure you are receiving the most recent version.
You should not rely upon any information and other content available at or through this Website as a forecast or as investment research. Although the information and other content available at this Website are based upon information that we consider reliable and that we try to keep current (although we have no obligation to do so), we cannot guarantee that it is accurate, current, complete, or otherwise useful and you should not rely upon the information and other content as such. We expressly disclaim all liability for errors and omissions in the information and other content on this Website and for the use or interpretation by others of information published at this Website. Opinions expressed on this Website may change as market conditions vary.
Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns Foresters and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S. and European Union trademark laws. All rights reserved.
Ownership and use of content
The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of the applicable Foresters Financial entity.
Links to this Website
You may link to the firstinvestorsfunds.com landing page, but only if you do so in a way that is fair, legal and does not damage our reputation or take advantage of it. You must not frame any content or establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express prior written consent. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.
Links to Other Websites
Except as otherwise stated in these Terms or as expressly authorized by us in writing, you may not:
- Use this Website or any available content in violation of applicable law or regulation;
- Use this Website in any manner that could disable, damage or overburden the Website, our servers or any of the networks connected to our servers, or as determined by us, in a way that may harm Foresters or expose Foresters to liability;
- Use this Website in any manner that would interfere with another party's use of the Website;
- Include any of the Marks or any variation of them as a meta-tag or hidden textual element;
- Use any robot, spider or other automatic device, or any manual process or means to search, monitor or copy this Website or the information and other content on, generated by or obtained from this Website, whether through links or otherwise, without Foresters’s prior written permission;
- Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;
- Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website;
- Attack the Website via a denial-of-service attack or a distributed denial-of-service attack;
- Otherwise attempt to interfere with the proper working of the Website; or
- Use this Website, the information and other content in any manner that could create impression of affiliation, sponsorship or endorsement by Foresters.
How to file a complaint
This section applies only to complaints against Foresters Financial Services, Inc.; Foresters Investor Services, Inc.; Foresters Investment Management Company, Inc.; and the First Investors Funds.
We are committed to complying with all legal and regulatory requirements applicable to our business, operations and dealings with clients, regulators, and members of the public with which we engage in investing, securities and business activities. We always strive to conduct and govern ourselves in accordance with the highest standards of ethics, professionalism and integrity.
Filing a report
Any individual, including an employee, wishing to report a complaint or concern may do so by regular mail. The envelope should be marked "Confidential—To Be Opened by Counsel Only", and it should be sent to the attention of the Foresters Financial Legal Department at the following address:
Attn: Foresters Financial
40 Wall Street
New York, NY 10005
If an individual prefers to call in a report, including on an anonymous basis, he/she may do so by calling our toll-free hotline at 877-847-3371.
Treatment of reports
Complaints and concerns initially received by the Legal Department will be reported to the General Counsel and Foresters Financial will maintain a written record of all reported complaints and concerns, including their receipt, acknowledgment, investigation and resolution.
Retaliation against employees prohibited
Foresters Financial employees who file a report are protected against termination, demotion or any other adverse consequence to their employment when reporting a complaint or concern in good faith.
In accordance with applicable law and Foresters Financial policies, retaliation of any kind against any Foresters Financial employee who submits in good faith a complaint or concern, or who assists in good faith in the investigation (whether by Foresters Financial or any regulatory authority or law enforcement agency) of any alleged wrongdoing, is strictly prohibited.
Any acts of retaliation should be reported immediately to the employee's supervisor who, in turn, should report the act of retaliation to Foresters Financial Human Resources Department. If the employee is uncomfortable reporting to his or her supervisor, or believes that his or her supervisor may have a conflict of interest in responding to the retaliation, or if the supervisor is unavailable and the matter is urgent, the employee is encouraged to make the retaliation report to the Foresters Financial Human Resources Department. Acts of retaliation may result in severe disciplinary action including, but not limited to, termination of employment.