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 Page . 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 operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to TIAA with your wireless operator account profile information for the duration of the business relationship. See our
Privacy Notice for 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.
Indemnification
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.
Termination
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
Brokerage accounts are provided by TIAA Brokerage Services, a division of
TIAA-CREF Individual & Institutional Services, LLC, member FINRA, SIPC, and are carried by
Pershing LLC (“Pershing”), member FINRA, NYSE, SIPC, a subsidiary of The Bank of New York Mellon Corporation. If you hold a TIAA-CREF Brokerage account, your brokerage account is subject to
Pershing's terms of use
© 2013 Pershing LLC. All Rights Reserved. Notices
Interactive Data Corporation Terms & Conditions of Use
Dow Jones Indexes Terms of Use
Except with respect to information about your financial organization and unless otherwise specified, the content of this service is owned or licensed by Pershing LLC and is protected by the United States Copyright Act of 1976, as amended, and the copyright laws of other countries. Certain materials are used by permission of their respective owners. Certain specified content is the property of your financial organization.
Pershing LLC (member FINRA/NYSE/SIPC) is a leading global provider of financial business solutions to more than 1,150 institutional and retail financial organizations and independent registered investment advisors who collectively represent over five million active investors. Financial organizations, investment professionals and independent registered investment advisors depend on Pershing's depth of experience and consultative approach to provide them with forward-thinking solutions that help them to grow their businesses. Located in 19 offices worldwide, Pershing is committed to delivering dependable operational support, robust trading services, flexible technology, an expansive array of investment solutions, practice management support and service excellence. Pershing is a member of every major U.S. securities exchange and its international affiliates are members of the Deutsche Borse, the Irish Stock Exchange and the London Stock Exchange. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation. Additional information is available at Pershing LLC.
The material provided in this service, including graphic images, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written permission of Pershing LLC, except that you may download, display, or print one copy of the materials on any single computer solely for your personal, non-commercial, home use, provided that you keep intact all copyright, trademark, and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of Pershing LLC's or its third-party information providers' copyrights and other proprietary rights. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise, any license or right under any copyright, patent, trademark, or other proprietary interest of Pershing LLC or any third party. Pershing LLC acts solely as clearing agent for your financial organization. Pershing LLC is not an affiliate nor does it exercise supervisory authority over your financial organization or its employees.
PERSHING LLC, YOUR FINANCIAL ORGANIZATION AND OTHER PROVIDERS OF MATERIALS ON THIS SITE DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SERVICE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. REFERENCE TO A FUND OR SECURITY INCLUDED ANYWHERE IN THIS SERVICE IS NOT A RECOMMENDATION TO BUY, SELL, OR HOLD THAT, OR ANY OTHER SECURITY.
No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of other services or sites to which these screens link, and neither Pershing LLC nor your financial organization take any responsibility therefore. A link from this service to another service or site outside of your financial organization is not an endorsement of the service or site, its content, or its sponsoring organization.
By using this service, you accept at your own risk that the Internet and online communications medium may not perform as intended despite the efforts of Pershing LLC, your Internet service provider and you.
If you have questions about these Notices contact Pershing LLC at: brokerage.info@pershing.com.
© 2013 Pershing LLC.
Interactive Data Corporation Terms & Conditions of Use
All information provided by Interactive Data Real Time Services ("Real-Time Services") and its affiliates (the "Real-Time Services Information") is owned by or licensed to Real-Time Services and its affiliates and any user is permitted to use such Real-Time Services Information only for such user's personal use. In no event shall any user publish, retransmit, redistribute or otherwise reproduce any Real-Time Services Information in any format to anyone, and no user shall use any Real-Time Services Information in or in connection with any business or commercial enterprise, including, without limitation, any securities, investment, accounting, banking, legal or media business or enterprise.
Prior to the execution of a security trade based upon the Real-Time Services Information, you are advised to consult with your broker or other financial representative to verify pricing information.
THE REAL-TIME SERVICES INFORMATION IS PROVIDED TO THE USERS "AS IS." NEITHER REAL-TIME SERVICES NOR ITS AFFILIATES NOR ANY THIRD_PARTY DATA PROVIDER MAKE ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND REGARDING THE REAL-TIME SERVICES INFORMATION, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. NEITHER REAL-TIME SERVICES NOR ITS AFFILIATES NOR ANY THIRD_PARTY DATA PROVIDER WILL BE LIABLE TO ANY USER OR ANYONE ELSE FOR ANY INTERRUPTION, INACCURACY, ERROR OR OMISSION, REGARDLESS OF CAUSE, IN THE REAL-TIME SERVICES INFORMATION OR FOR ANY DAMAGES (WHETHER DIRECT OR INDIRECT, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY) RESULTING THEREFROM.
Dow Jones Indexes Terms of Use
Pershing LLC, at our discretion, provide you with services including, but not restricted to, news and information services. You agree to comply with the conditions imposed on your use of the services, as set out in these Terms and Conditions of Access and elsewhere in our services. These services may be outside our control or provided by a third party in which in case we cannot take responsibility for their content, or for any delays, interruptions or errors in the provisions of these additional services, provided we have exercised reasonable care and diligence in the selection of such providers.
Certain data accessible on our services is the intellectual property of the relevant news and information services provider or third parties that provide such data to the relevant service provider, or us. The data is protected by copyright and other intellectual laws and all ownership rights remain with the information service provider or the third party or us, as the case may be.
You may only use the data retrieved from our services for your own personal and non-commercial purposes while accessing our services. Such use will be in accordance with these Terms and Conditions of Access and the requirements set out elsewhere on our services. You may not copy, distribute or redistribute the data, including by caching, framing or similar means or sell, resell, re-transmit or otherwise make the data retrieved from our services available in any manner to any third party. You may not store the data for the purposes of creating a historical database or historical data product. You may not use any of the data in connection with the issuance, trading, marketing or promotion of investment products (e.g., derivatives, structured products, investment funds, investment portfolios, etc. where the price, return and/or performance of the investment product is based on or related to the data) without a separate written agreement with us, the information service provider or third party, as the case may be, that has ownership rights to the data (e.g. Dow Jones & Company, Inc., S&P, etc.).
The data is provided "as is." We, any information service provider or any third party shall not be liable to you or any third party for any loss or damage, direct, indirect or consequential, arising from (i) any inaccuracy or incompleteness in, or delays, interruptions, errors or omissions in the delivery of the data or any other information supplied to you through our services or (ii) any decision made or action taken by you or any third party in reliance upon the data. Nor shall we, any information service provider or any third party be liable for loss of business revenues, lost profits or any punitive, indirect, consequential, special or similar damages whatsoever, whether in contract, tort or otherwise, even if advised of the possibility of such damages incurred by you or any third party.
Where the information consists of pricing or performance data, the data contained therein has been obtained from sources believed reliable. Data computations are not guaranteed by any information service provider, third party or us or any affiliates and may not be complete. Neither we, any information service provider, nor any third party give any warranties, as to the accuracy, adequacy, quality or fitness, timeless, non-infringement, title, of any information for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law. You bear all risk from any use or results of using any information. You are responsible for validating the integrity of any information received over the Internet.
Transmission may be subject to arbitrary delays beyond our control, which may delay the provision of our services and the execution of your orders. You acknowledge that neither we, any information service provider, nor any third party will be liable to you or any third party for any losses arising from such delay.
You understand and acknowledge that confirmations of executions or cancellations may be delayed or may be erroneous (e.g. due to computer system issues) or may be cancelled/adjusted by an exchange, market center or executing broker. Any reporting or posting errors, including errors in reporting or posting execution prices or cancellations, will be corrected to reflect what actually occurred in the marketplace.
You understand and acknowledge that when you place a request to cancel an order, the cancellation of that order is not guaranteed. The order will only be cancelled if the request is received by the market center to which the order was routed and matched with the order to be canceled before it is executed. During market hours, it is rarely possible to cancel market orders or marketable limit or as such orders are subject to immediate execution. You should not assume that any order has been executed or canceled until you have received a transaction or cancellation confirmation.
In no event will we, any information provider, or third party be liable for any consequential loss including but not limited to special, incidental, direct or indirect damages resulting from delay or loss of use of our services. We are not responsible for any damage to your computer, software, modem, telephone or other property resulting from your use of our services.
. These Terms of Use were last modified in June 2013.
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 use
Updated September 30, 2016
When you register to use 360° Financial View service (the “Service”), you agree to be bound by these Terms and Conditions. By registering to use the Service, you also are providing a direction to the TIAA companies (as defined in the next paragraph) to use and share your information as described in this document; furthermore, you are directing the TIAA companies to allow a third company, Yodlee, Inc. (“Yodlee”), to access and use your information displayed in the Service as described in this document. If you object to any of these activities or any aspect of these Terms and Conditions, then please do not register for the Service.
"You" means a customer of a TIAA company and authorized, authenticated user of TIAA.org, who registers to use the Service. "We" and "us" mean Teachers Insurance and Annuity Association of America, its affiliates and companion entities, whether or not they use the TIAA brand, and whether or not listed in the TIAA Privacy Notice located in TIAA.org (individually, a “TIAA company” and collectively, “TIAA.”) A “TIAA account” refers to any financial account you may have with a TIAA company. You may be the customer of one or more TIAA companies by virtue of opening a financial account with a TIAA company. You may desire to allow a TIAA company access to your information in advance of becoming a customer, such as in preparation for a financial advice session, without the creation of a TIAA account. In this case, you are a “prospective customer” of that TIAA company. Yodlee is the company that owns and implements the Service on behalf of TIAA and, through your registration to the Service and these Terms and Conditions, you are expressly granting certain rights to Yodlee directly.
The Service is an online personal financial information management service that enables you to consolidate your financial information dispersed across multiple third party web sites ("third party sites") into one place in order to assist you in viewing your finances. Upon your authorization and instruction, this Service will retrieve, compile, maintain and help you organize your financial information from the various third party sites you designate. The Service will also include automatically information about your TIAA accounts linked to the user id that you use to view your account(s) online through which you enrolled in the Service. This third party site account information, TIAA account information and any of your information retrieved through the Service is collectively referred to as “your Content”.
While the Service is facilitated by TIAA, your use of the Service is subject to these Terms and Conditions only, including all disclaimers and limitations of liability contained herein. The Service is consistent with the TIAA Privacy Notice, in that we are only collecting, sharing and using your Content based on your consent to these Terms and Conditions.
When you register for the service, you agree to the following:
(1) you direct Yodlee and each TIAA Company of which you are a customer or a prospective customer permission to access your account on those third party sites designated by you, on your behalf, to retrieve your account information on your behalf and to register your accounts requested by you solely in connection with the Service;
(2) for all purposes hereof, you hereby grant Yodlee and each TIAA company of which you are a customer or a prospective customer a limited power of attorney, and you hereby appoint each of them as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information and use your Content with the full power and authority to do and perform each and every act and thing requisite and necessary, to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN ANY TIAA COMPANY OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES IN CONNECTION WITH PROVIDING YOU THE SERVICE, SUCH TIAA COMPANY AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Service is not endorsed or sponsored by any third party account providers accessible through the Service.
(3) you are licensing to each TIAA company and its service providers, including Yodlee, any information, data, passwords, materials and your Content you provide through or to the Service. Such TIAA company and Yodlee may use, modify, display, distribute and create new material using such information to provide the Service to you. As between TIAA and Yodlee, TIAA owns your confidential account information, but TIAA shall act only under your direction and these Terms and Conditions;
(4) you direct each TIAA company of which you are a customer and each TIAA company of which you are a prospective customer to use your Content from the Service to (i) prefill any forms memorializing a transaction that you have solicited from any TIAA company; (ii) be shared with a TIAA financial advisor in anticipation of a financial advisory session requested by you; (iii) be shared with a TIAA financial advisor to facilitate a transaction you have requested from a third party(including but not limited to states issuing educational savings accounts and charities); (iv) be shared among TIAA companies for analysis; and (iv) take any action to which you have consented or any transaction that you have solicited. Furthermore, you appoint, and direct each TIAA Company to appoint Teachers Insurance and Annuity Association of America as your agent for these limited purposes with respect to Yodlee;
(5) you direct TIAA to allow Yodlee to access your Content through the Service and aggregate it with other content, de-identify it in accordance with Yodlee’s processes and use restrictions, and use such aggregate information for its own purposes;
(6) you are a legal owner of the accounts at the third party sites which you designate in the Service and that you have the authority to:
(i) designate Yodlee and us as your agent,
(ii) use the Service, and
(iii) give Yodlee and us your passwords, user names, and all other information you provide;
(7) you will be able to view financial accounts that may require multi-factor authentication through a screen that may require single factor authentication; however, the Service does not have the capability to initiate transactions affecting your financial accounts or provide notices or instructions affecting such financial accounts;
(8) third party account providers shall be entitled to rely on the above authorizations, agency and power of attorney granted by you;
(9) the Service is facilitated by TIAA, but it is not sponsored or endorsed by TIAA or providers of the third party accounts you access through the Service, and use of this Service is at your sole discretion;
(10) the Service does not provide tax, legal or investment advice;
(11) you agree that your Content is true, accurate, current and complete, and that you have the right to provide your Content to us and Yodlee. You agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate; and
(12) you are permitted to your Content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute or create derivative works from your Content, except as provided herein. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.
You agree not to use the Service or the content or information delivered through the Service in any way that would:
(a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy;
(b) be fraudulent, including but not limited to use of the Service to impersonate another person or entity; or
(c) violate any applicable law, statute, ordinance or regulation.
You agree not to resell or make any commercial use of the Service or the content or information delivered through it.
You agree to protect and fully compensate TIAA, Yodlee and our respective affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from your use of the Service, your violation of these Terms and Conditions or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
YOU AGREE THAT NEITHER TIAA, NOR ITS THIRD PARTY SERVICE PROVIDERS, INCLUDING YODLEE, NOR ANY OF THEIR RESPECTIVE AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTERN CALL DIRECT, INDIRECT, INCIDENTIAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE OR YODLEE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM:
(i) THE USE OF OR INABILITY TO USE THE SERVICE;
(ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES;
(iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE;
(iv) UNAUTHORIZED TRANSMISSION OR ACCESS TO OR ALTERATION OF YOUR DATA;
(v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE;
(vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; or
(vii) ANY OTHER MATTER RELATING TO THE SERVICE.
Unauthorized technical or other difficulties may result in loss of data, personalization settings or other Service interruptions. We do not assume responsibility for and you will forever hold us harmless from the untimeliness, deletion, mis-delivery or failure to store any user data, communications or personalization settings.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
1. YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND YOUR CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YODLEE AND WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
2. YODLEE AND WE MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
3. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
Yodlee and we reserve the right to change, suspend or cancel these Terms or the Service at any time, in our sole discretion, without notice. We may also suspend your access to the Service at any time without notice and for any reason. You agree that we will not be liable to you or any third party for any modification, suspension or termination of the Service.
You agree that TIAA’s third party service providers, including Yodlee, are third party beneficiaries to these Terms and Conditions, with the power to enforce them as if they were parties to them.
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.
TIAA Institutional Alerts
Note: Adding your mobile phone number to your profile allows TIAA to send selected institutional alerts via text messaging including, but not limited to, service or implementation requests which you opt into.
This will be a recurring text message anytime TIAA uploads a document to your implementation or service request.
We may also use this mobile phone number to call you regarding these institutional messages. 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 carefully, and do not share it with any other party without your consent.
Feel free to review our privacy policy at https://www.tiaa.org/public/support/privacy-policy
At any time, you may log into PlanFocus and select My Settings at the top of the page to manage your alert preferences.To opt in or stop the service, LOG INTO PLANFOCUS. For help, call the TIAA phone center at 888-842-7782, or visit online at www.tiaa.org.
Alternatively, to discontinue receiving text messages from TIAA Institutional Alerts, text STOP to [25209].
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
