Terms & Conditions

Terms and Conditions for TIAA Customer Ratings and Review Service

By participating in our TIAA Customer Ratings and Review Service (Service), you agree to follow the Commenting Guidelines and other requirements contained in these Terms and Conditions and to adhere to all applicable TIAA Policies and Procedures.

1. COMMENTING GUIDELINES

Posted communications shall not contain:
  • Content that is off topic
  • A marketing message
  • Investment performance of any product
  • Exaggerated or promissory statements
  • Testimonials
  • Discussion of specific costs or expenses for any product
  • Distributions from investments (e.g., capital gains, returns, and income)
  • Indirect or direct comparisons with other organizations
  • Profanity
  • Abusive comments by members
  • Foreign language
  • Spam
  • Fraud
  • Inclusion of a URL
  • Personally identifiable information
  • Discriminatory content
  • Submission by an underage user
  • Content that infringes on third-party intellectual property rights
  • Generally inappropriate content
While it is very important for each member to take responsibility for his or her own posted comments, we reserve the right, but are not obligated, to monitor and record any information that is posted or otherwise made available through the Service. We have sole discretion for determining whether a particular comment or other content is inappropriate for the Service.

2. PERMITTED PARTICIPANTS

The Service is provided for participants like yourself to share information and opinions. Employees of TIAA are not permitted to participate.

3. ADMINISTRATION

We reserve the right to remove comments and content that we consider inappropriate for any reason, without notification or explanation. By submitting a comment, you agree that you take sole responsibility for the substance of your comment. Questions and reports of inappropriate content should be submitted to ratingsandreviews@tiaa.org.

4. NO SALES OR MARKETING

Comments and other content found on the Service are intended for informational purposes only. We are not responsible for any opinions or other content provided in or through the Service. The opportunity to interact with participants of the Service and view any content is provided for informational purposes only.

5. YOUR REGISTRATION AND ACCOUNT OBLIGATIONS

You are responsible for maintaining the confidentiality of your account details and for restricting access by unauthorized users. You agree to accept responsibility for all activities that occur under your account. You agree to notify us immediately upon discovery of any unauthorized use of your account. You should be certain that you properly exit from your session at the end of each visit to the Service.

6. PARTICIPANT CONDUCT

You understand and acknowledge that you are entirely responsible for all content that you upload, post, transmit or otherwise make available via the Service. As a condition of your use of the Service, you agree not to use the Service for any purpose that is unlawful or prohibited.

7. RESPECT FOR YOUR PRIVACY

We may use and disclose your personal information as necessary for the administration of the Service, or as otherwise permitted by the TIAA Privacy Policy. You agree that we may access, preserve, and disclose your account information and comments if required to do so by law or in a good faith belief that such action is appropriate to comply with legal process; enforce these Terms and Conditions; respond to claims that any comments or other information violates the rights of third parties; respond to your requests for customer service; or protect the rights, property, or personal safety of any persons. The Service is not anonymous. The identity and other information provided upon registration for each member are generally known us. To view the complete TIAA Privacy Policy, please visit: https://www.tiaa.org/public/support/privacy-policy.

8. COPYRIGHT

You grant us the right to publish the content you post, in whole or in part, for advertising or any other lawful purpose. The Service and its contents are protected under copyright laws of the United States and other countries and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without our prior written consent or, in the case of third-party materials, the prior written consent of the owner of third-party materials.

9. MODIFICATION OF THESE TERMS AND CONDITIONS

We reserve the right to change the terms and conditions under which the Service is offered, at any time, and you may refuse to accept the change by terminating your use of the Service. By continuing to use the Service or acting as a participant of the Service, you agree to accept and be bound by those terms and conditions that are in effect at the time of your use of the Service, including any such changes.

10. DISCLAIMER; LIMITATION OF LIABILITY

USE OF THE SERVICE IS PROVIDED “AS IS, WHERE IS,” AS AN ACCOMMODATION, AND WITHOUT WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES TO YOU FOR ANY DEFICIENCY, ERROR OR INTERRUPTION IN THE SERVICE. YOUR SOLE REMEDY IN THE EVENT OF ANY DEFICIENCY, ERROR OR INTERRUPTION SHALL BE TO REQUEST THAT WE CORRECT THE MATTER OR, IF WE FAIL TO DO SO, TO DISCONTINUE USE OF THE SERVICE AT YOUR OPTION.
Our Service may occasionally experience outages during which you and/or other participants will not be able to log in, view or operate the Service. We do not warrant that the Service, the servers, or email are free of viruses or other harmful components. We will not be liable for any damages of any kind arising from the use or unavailability of the Service.
TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THE SERVICE OR THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THE SERVICE OR THIS WEBSITE, OR FOR ANY INFORMATION, EQUIPMENT, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

11. INDEMNITY

You agree to indemnify and hold us harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of any comments or other information you submit, upload, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of these Terms and Conditions, or your violation of any rights of another.