Welcome to the TIAA website. The information, content, tools, products and services of this website (“Site”) are owned by TIAA-CREF 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 Policy.
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.
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 1, 2013
1. Registering and Using the Service. When you register to use 360° Financial View service, you will receive a service user identification code (“User ID”) and you agree to be bound by these Terms and Conditions. Information you provide and account information retrieved in connection with your use of the Service will therefore be subject to such documents. We offer the Service for your personal use and may not be modified, supplemented, or otherwise commercially exploited, including creation of derivative works. We reserve the right to revise these Terms at any time, in our sole discretion, without notice. We may also cancel the Service or suspend your access to the Service at anytime without notice and for any reason. (“We” and “us” describes the TIAA-CREF family of companies.*)
2. Service Description. 360° Financial View (the "Service") is an online personal financial information management service that helps you consolidate your financial information from many financial services websites that you choose (“Designated Sites”) into one place in order to assist you in viewing your finances. Upon your authorization and instruction, this Service will retrieve, compile, store, maintain and help you organize your financial information from the various Designated Sites. The Service helps bring banking balances from your bank’s web site, some of your investment data from investment sites, and insurance annuity data from the website of your insurer, and presents these up-to-date balances on a single screen here in your TIAA-CREF personal financial view screen. The Service automatically shows information about your TIAA-CREF account data linked to your User ID. The Service is only for viewing accounts from Designated Sites together, and the Service does not have the capability to initiate transactions affecting your financial accounts or provide notices or instructions affecting such financial accounts.
3. Content. Subject to our Privacy Policy, you are licensing to us any information, data, passwords, materials, or other content you provide to us or that is retrieved from third party sites at your request (collectively, "Content"). We may use, modify, display, distribute and create new material using such Content to provide the Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out above. You agree that all Content you provide to us is accurate, current and complete, and that you have the right to provide this information to us, including password and other security information from the Designated Sites, and we are not required to contact owners of Designated Sites for any purpose. You agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You understand the TIAA-CREF and its service providers are acting at all times as your agents, and not the agents of any third-party site.
4. You Have Authority on Designated Sites. When you use the Service to access your information on the Designated Sites, you agree that: (1) you hereby appoint us as your agent and attorney-in-fact, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access all Designated Sites, collect and retrieve your account information related to or resident on the Designated Sites, and use said information for the purpose of carrying out the Service, with 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 as you might do in person; (2) you are a legal owner of the accounts at the 3rd Party Sites which you designate in the Service and that you have the authority to designate us as your agent, use the Service, and give us your passwords, user names, and all other information you provide; (3) use of this Service is at your sole discretion and you accept all risks in the Service when you sign up for the Service and when you use the Service.
5. Your Behavior. You will not use the Service to infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, or to be dishonest or fraudulent. You will not violate any applicable law, statute, ordinance or regulation in your use of the Service. You will protect your password and be responsible in sharing access to your accounts.
6. Your Indemnity. You agree to hold harmless, indemnify and defend TIAA-CREF, our third party service providers 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.
7. SERVICE WARRANTY DISCLAIMERS. YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER 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. 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. WE MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE.
8. LIABILITY LIMITATION. YOU AGREE THAT NEITHER TIAA-CREF, NOR ITS THIRD PARTY SERVICE PROVIDERS NOR ANY OF THEIR RESPECTIVE AFFILIATES WILL BE LIABLE FOR ANY 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 HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM ISSUES RELATING TO SERVICE AVAILABILITY, INFORMATION VIEWED THROUGH THE SERVIC OR ANY OTHER MATTER RELATING TO THE SERVICE.
9. Administrative Terms. If any of these terms of use are found to be void and/or otherwise unenforceable, then a court shall endeavor to give effect to the intentions reflected in the invalid provision and the rest of the terms will be upheld between the parties. These terms of use shall be construed under the laws of the state of New York and any suit under them shall be proper in venue and jurisdiction in the federal and/or state courts located in New York, NY. These are the complete terms relating to the Service. Neither party will be held responsible for delays in service caused by Force Majeure events. All claims relating to the Service must be raised within one year of after such claims arise or be forever barred. Our failure to exercise or enforce any right or provision of these Terms will not consittute a waiver of such right or provision.
*The TIAA-CREF family of companies includes, but is not limited to, the following companies: Teachers Insurance and Annuity Association of America (TIAA) and TIAA-CREF Life Insurance Company, College Retirement Equities Fund (CREF), TIAA-CREF Funds, TIAA-CREF Life Funds, Teachers Advisors, Inc., TIAA-CREF Investment Management, LLC, Teachers Personal Investors Services, Inc. (TPIS), TIAA-CREF Individual & Institutional Services, LLC, TIAA-CREF Tuition Financing, Inc. (TFI), TIAA-CREF Trust Company, FSB (Trust Company), Kaspick & Company, LLC, TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC.
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.
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
