Terms and conditions

Welcome to the TIAA website. The information, content, tools, products and services of this website ("Site") are owned by TIAA and its subsidiaries and affiliates (collectively, "TIAA"), as well as by certain Third-party content provider(s), as more fully described, below. The Terms of Use also include some important disclosures and information related to certain products and services offered by TIAA.

Please carefully read the Terms and Conditions ("Terms of Use") before using this Site. By using this Site, you agree to follow and be bound by these Terms of Use. Nothing contained in these Terms of Use is intended to modify or amend any other written agreement, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Site.

TIAA may modify, suspend, discontinue, or restrict the use and availability of any portion of this Site at any time, without notice or liability. Individual access and use of this Site may be monitored by TIAA and used for TIAA’s internal business purposes, without liability. You can get more information about information that we collect from use of the Site by consulting our Online privacy notice.

TIAA may periodically modify these Terms of Use, and any modifications will be effective immediately upon posting. We suggest that you periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, do not use this Site.

Limited license and restrictions on use

TIAA grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and non-commercial use, or as expressly authorized by TIAA in writing. Accordingly, you agree not to:

  • Limited license. Modify, copy, screen capture, distribute, forward, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by, or obtained from this Site, whether through links or otherwise (collectively, "Materials");
  • Unauthorized access. Attempt to probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site, or redeliver, reproduce, or circumvent any page, text, image, or materials on this Site;
  • Trademark protection. Modify, copy, obscure, remove, or display TIAA's name, logo, trademarks, text, notices, or images without TIAA's express written permission; and
  • Interruption of site. You agree not to use any device, software, or routine that could interfere with the proper working of the Site, that could damage or disable this Site, any systems, networks, servers, accounts, Materials or services provided through this Site, or that would interfere with any other party’s use of the Site.

You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. TIAA reserves all rights not expressly granted in these Terms of Use.

Third-party content

The Site includes general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with TIAA ("Third-party content"). All Third-party content is clearly and prominently identified on the Site.

A list of all Third-party content providers can be found by clicking on the Vendor Disclosure PageOpens pdf. Third-party content is available through framed areas, or is simply published on the Site. The Third-party content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third-party content provider(s) credited.

TIAA has not been involved in the preparation, adoption or editing of Third-party content and does not explicitly or implicitly endorse or approve such content. The Third-party content providers do not implicitly or explicitly endorse or approve the Third-party content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.

While TIAA makes every attempt to provide accurate and timely information to serve the needs of users, neither TIAA nor any Third-party content provider guarantees the accuracy, timeliness, completeness or usefulness of the Third-party content, and neither TIAA nor any Third-party content provider are responsible or liable for any such content. Third-party content is provided for informational purposes only and TIAA and the Third-party content providers specifically disclaim any responsibility for Third-party content available on the Site. The third-party content is provided on an "as-is" basis. The third-party content providers expressly disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement.

The third-party content providers and their parents, subsidiaries, affiliates, service providers, licensors, officers, directors or employees shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to the use or the inability to use the third-party content, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

Use of materials and limitations on advice

The Materials on this Site are for information, education, and noncommercial purposes only, are presented as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. You are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Although some of the Materials on the Site may relate to the investment in securities and/or mutual funds, the Site is not intended to provide legal, tax, investment or insurance advice. Nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by TIAA or any third party. Certain investment planning tools available on the Site may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

Account authorization and use

If you have an account or plan to open an account with TIAA, you agree to provide TIAA with current, complete, and accurate information about you as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree to use this Site to access only those accounts on which you are authorized to act, and to use your own user names, logins and passwords when accessing accounts on which you are authorized to act. You are solely responsible for all activities that occur in connection with your password. Accordingly, you should take steps to protect the confidentiality of any account information, user names, logins and passwords that you use to access any page or feature on this Site, and for logging off of your account and any protected areas of the Site.

If you become aware of any suspicious or unauthorized conduct concerning your accounts, user names, logins, passwords, or security questions and answers, you agree to contact TIAA immediately. TIAA will not be liable for any loss or damage arising from your failure to comply with these Terms of Use.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to TIAA or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how to see how we treat your data.

Foreign investors

The Site and the Materials on the Site are intended to be made available only to individuals who reside in the United States. Because of the global nature of the Internet, you agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

Nothing on the Site shall be considered a solicitation to buy, or an offer to sell, a security or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Disclaimer of warranties

Tiaa does not make any express or implied warranties of any kind about the site, including without limitation any warranties of merchantability, fitness for a particular purpose, or non-infringement. The site is made available to you "as is" and "as available" and tiaa-cref does not warrant that any defects or inaccuracies will be corrected.

Tiaa does not warrant that the site will meet your needs, or that it will be uninterrupted, timely, secure or error-free. Tiaa also makes no warranty that the results obtained from the use of the site will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you through the site will meet your expectations.

Limitation of liability

Tiaa will not be liable to you or anyone else for any consequential, incidental, special, direct, or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of the site and third-party content, inconvenience or delay). This is true even if tiaa-cref has been advised of the possibility of such damages or losses.

Tiaa will not be liable to you or anyone else for any loss resulting from a cause over which tiaa does not have direct control. This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other acts of god), fire, war, insurrection, terrorist act, riot, labor dispute and other labor problems, accident, emergency or a government action.

If you live in a state that does not allow the limitation or exclusion of liability or incidental or consequential damages, or if you access the site solely through an arrangement with your employer or plan sponsor, some or all of these limitations and exclusions may not apply to you.

Any materials downloaded or otherwise obtained through this site are done at your own risk. You are solely responsible for any damage to your computer system or other equipment, or loss of data that results from such download.


As a condition of your use of the Site, you agree to indemnify and hold TIAA and each Third- party content provider harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the Site, or from your violation of these Terms of Use.


The rights granted to you herein terminate immediately upon any violation by you of these Terms of Use. TIAA, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability. TIAA will not be liable to you or any third party for any termination of your access to or use of this Site.

Governing law

Unless otherwise agreed, these Terms of Use and their enforcement are governed by the laws of the State of New York, without regard to conflicts of law, and shall inure to the benefit of TIAA’s successors and assigns, whether by merger, consolidation, or otherwise.

Brokerage clients

TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities. Brokerage accounts are carried by Pershing LLCOpens in a new window, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC. If you hold a TIAA Brokerage account, your brokerage account is subject to Pershing's terms of useOpens dialog. These Terms of Use were last modified in June 2020.

360˚ Financial View users

The 360° Financial View service is provided by Yodlee, Inc. Your use of 360º Financial View is subject to service terms of useOpens dialog to which you agreed when you first accepted the Service. We reserve the right to correct any error(s) with secure access inquiries and transactions.

TIAA Financial Consultation SMS Alerts

Note: Adding your mobile phone number to your financial consultation appointment allows TIAA to send confirmation, reminder, and cancellation alerts via text messaging which you opt into.

These text messages will occur upon registering for your financial consultation, 48 hours before your scheduled consultation, two hours before scheduled consultation, and also in the event you cancel your scheduled consultation. Text messages will not occur after your two hour appointment reminder. Only in the event that you opt in during registration for a future financial consultation will text messages reoccur. Alternatively, to discontinue receiving text messages prior to attending your financial consultation, text STOP to [54991].

We may also use this mobile phone number to call you regarding your financial consultation. Messaging and data rates may apply; contact your carrier about your plan. TIAA does not charge for this service.

Any personal information we collect from you is done with your consent. We safeguard it with physical, administrative and technical safeguards, and do not share it with any other party without your consent, except for fraud prevention purposes or in accordance with law.

Feel free to review our privacy policy at https://www.tiaa.org/public/support/privacy-policy

For help, call TIAA at 800-732-8353, or visit online at www.tiaa.org.

Supported carriers: Alltell, AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, Nextel, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross/Sprocket, Duet IP (AKA Max/Benton/Albany), Element Mobile, Epic Touch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Celluar), Illinois Valley Cellular, Immix (Keystone Wireless/PC Management), Inland Cellular, iWireless, Mobi PCS, Mosaic, MTPCS/Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, Simmetry, South Canaan/CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Aliant Mobility, Bell Mobility, Fido, MTS Mobility, NorthernTel Mobility, Rogers Wireless, SaskTel Mobility, Télébec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND Mobile.

Note that T-Mobile is not liable for delayed or undelivered messages.

Teachers Insurance and Annuity Association of America is licensed under the following and related United States Patents: 5,128,984; 5,561,707; 5,684,863; 5,815,551; 5,828,734; 5,917,893; 5,898,762; 5,974,120; and others.

February 2016