Limited license and restrictions on use
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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.
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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education, and noncommercial purposes only, are presented as of the date published or indicated, and may be superseded by subsequent market events or for other reasons.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.
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
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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.
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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.