Terms and conditions

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.

Interactive Data Corporation Terms & Conditions of UseOpens in a new window
Dow Jones Indexes Terms of UseOpens in a new window

© 2020 Pershing LLC. All Rights Reserved. Notices.

Portions of The Site are provided on behalf of financial organizations that utilize Pershing's services, for use by clients of those financial organizations. The financial organization where you have an account is referred to herein as "your financial organization". Pershing LLCOpens in a new window acts solely as clearing agent for your financial organization. Pershing LLC does not exercise supervisory authority over your financial organization or its employees. Certain materials are used by permission of their respective owners. Certain specified content is the property of your financial organization.

Pershing LLC (member FINRAOpens in a new window /NYSEOpens in a new window /SIPCOpens in a new window ) is a leading global provider of financial business solutions who serves approximately 1,300 clients in 30 countries. Clients of BNY Mellon's Pershing include advisors, broker-dealers, family offices, fund managers, registered investment advisor firms and wealth managers who represent approximately 7 million investor accounts globally. Pershing provides clearing and custody in more than 65 markets and execution in 60 markets globally. Pershing also facilitates the trading and conversion of 50 currencies. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation. Additional information is available at Pershing.com.

Terms of use

By using the Site (including without limitation all content accessible from the Site), the user ("you") agree to comply with the conditions imposed on your use of the Site, as set out in these Terms of Use and elsewhere in the Site.

Some contents of the Site, included but not limited to exchange data, market data, news, and other information services, are provided by third parties as a convenience to you ("Third Party Content"). Third Party Content is outside Pershing's control. Neither Pershing, your financial organization, nor the provider of the Third Party Content, take responsibility for the suitability of the Third Party Content. The provision of the Third Party Content is not an endorsement of the Third Party Content, any third party service, or its sponsoring organization. Reference to a fund or security included anywhere in this site is not a recommendation to buy, sell, or hold that, or any other security.

The content of the Site is the intellectual property of Pershing or the relevant data, news and information services providers or other third parties that provide it. Such content is protected by copyright and other intellectual property laws, and all ownership rights remain with Pershing or the relevant data, news and information services providers or other third parties that provide it, as the case may be.

You may only use content retrieved from the Site for your own personal and non-commercial purposes. You may not copy, distribute or redistribute any content, including by caching, framing or similar means, or sell, resell, re-transmit or otherwise make it available in any manner to any third party. You may not store any content for the purposes of creating a historical database or historical data product. You may not use any of the content 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 the data provider that has ownership rights to the data (e.g. Dow Jones, S&P, etc.).

The site (including all content and information therein) is provided "as is." 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 the site, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and noninfringement. Neither pershing, any information service provider or any third party shall 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 the site or (ii) any decision made or action taken by you or any third party in reliance upon the site.

Neither pershing, 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 on the site 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, your financial organization or pershing and may not be complete. Neither pershing, any information service provider, nor any third party makes 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.

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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.

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In no event will pershing, 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 the site, or for any damage to your computer, software, modem, telephone or other property resulting from your use of the site.

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

Dow Jones may discontinue or change the Dow Jones Information at any time, without notice.

The Dow Jones Information is the property of Dow Jones or its licensors, and is protected by copyright and other intellectual property laws. The Dow Jones Information may be used only for your personal and non-commercial 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.

If the Distributor Subscriber is an individual, he agrees not to copy, reproduce, modify, distribute, transmit, display, perform, publish, transfer, create derivative works from, broadcast or circulate any Dow Jones Information to anyone, including but not limited to others in the same company or organization, without the express prior written consent of Dow Jones. If the Subscriber is an entity, it agrees not to permit access to the Dow Jones Information by anyone other than an employee of the Distributor Subscriber. Notwithstanding the foregoing, on an occasional and irregular basis, an insubstantial portion of Dow Jones Information may be copied and sent by means other than email, for a noncommercial purpose and without charge, to a limited number of individuals in the ordinary course of business, provided all copyright and other proprietary rights notices, the original source attribution, and the phrase "Used with permission from Dow Jones & Company" are included.

The Dow Jones Information includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Dow Jones does not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations.

Dow jones is not responsible for any delay in your receipt of the dow jones information resulting from the inherent limitations of internet transmission via the world wide web. Due to the number of sources from which the dow jones information is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in the dow jones information. The dow jones information is provided "as is", without any warranties. Dow jones and its affiliates, agents and licensors cannot and do not warrant the accuracy, completeness, currentness, timeliness, noninfringement, title, merchantability or fitness for a particular purpose of the dow jones information, and dow jones hereby disclaims any such express or implied warranties. Neither dow jones nor any of its affiliates, agents or licensors shall be liable to you or anyone else for any loss or injury, other than death or personal injury resulting directly from use of the dow jones information, caused in whole or part by its negligence or contingencies beyond its control in procuring, compiling, interpreting, reporting or delivering the dow jones information. In no event will dow jones, its affiliates, agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on such dow jones information. Dow jones and its affiliates, agents and licensors shall not be liable to you or anyone else for any damages (including, without limitation, consequential, special, incidental, indirect, or similar damages), other than direct damages, even if advised of the possibility of such damages. Because some states or jurisdictions do not allow the exclusion or limitation of liability for damages or the exclusion of certain types of warranties, parts or all of the above limitation may not apply to you.

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