  We calculated the broad-band photometric evolution of unresolved star
clusters, including the preferential loss of low-mass stars due to mass
segregation. The stellar mass function of a cluster evolves due to three
effects: (a) the evolution of massive stars; (b) early tidal effects reduce the
mass function independently of the stellar mass; (c) after mass segregation has
completed, tidal effects preferentially remove the lowest-mass stars from the
cluster. Results: (1) During the first ~40% of the lifetime of a cluster the
cluster simply gets fainter due to the loss of stars by tidal effects. (2)
Between ~40 and ~80% of its lifetime the cluster gets bluer due to the loss of
low-mass stars. This will result in an underestimate of the age of clusters if
standard cluster evolution models are used (0.15 -- 0.5 dex). (3) After ~80% of
the total lifetime of a cluster it will rapidly get redder. This is because
stars at the low-mass end of the main sequence, which are preferentially lost,
are bluer than the AGB stars that dominate the light at long wavelengths,
resulting in an age overestimate. (4) Clusters with mass segregation and the
preferential loss of low-mass stars evolve along almost the same tracks in
colour-colour diagrams as clusters without mass segregation. Therefore it will
be difficult to distinguish this effect from that due to the cluster age for
unresolved clusters, unless the total lifetime of the clusters can be
estimated. (5) The changes in the colour evolution of unresolved clusters due
to the preferential loss of low-mass stars will affect the determination of the
SFHs. (6) The preferential loss of low-mass stars might explain the presence of
old (~13 Gyr) clusters in NGC 4365 which are photometrically disguised as
intermediate-age clusters (2 - 5 Gyr). [Abridged]
