Online Privacy Notice


Please read this notice carefully. It applies to you as a current or former customer of our products and services, or as a consumer interested in our products and services. We at TIAA-CREF are committed to protecting your privacy in accordance with the Fair Credit Reporting Act (FCRA), as amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), the Gramm-Leach Bliley Financial Services Modernization Act (GLB), applicable state laws and this Privacy Notice. TIAA-CREF or the "TIAA-CREF companies" are described in this notice.

Information We May Collect

The nonpublic personal information we collect may include, but is not limited to, your name, address, telephone number, e-mail address, social security number, date of birth and your transaction and experience history with TIAA-CREF companies. We may use this information in connection with certain aspects of our business. For example, we may use this information to complete your requested transaction or to otherwise manage your relationship with the TIAA-CREF companies.

We may obtain this information from an application or other form you have completed, from information you have chosen to disclose in our website,, or from information you have given a TIAA-CREF company in a consultation. In addition, we may also collect information about your creditworthiness from consumer reporting agencies, and may include your marital status, employment history, income, assets, credit score, credit history, open lines of credit, and the size of your household. If you are applying for or own a life insurance policy, we may also collect your health information. We will not disclose your health information to any other company, including TIAA-CREF affiliates or other persons unless authorized by you, or required or permitted by law or regulation.


When you visit our site, we may collect information about your use of our site through "cookies". Cookies are small bits of information transferred to your computer’s hard drive that allow us to know how often a user visits our site and the activities they are most interested in performing. We require the acceptance of cookies to enable users to take full advantage of specific services offered. We may also require you to accept cookies placed by a third party supporting this activity on our behalf.

The cookies collect certain technical and navigational information only, such as computer browser type, internet protocol address, pages visited, and average time spent on our websites. In addition, we capture the paths taken as you move from page to page (i.e., your "click stream" activity). This information allows us to enhance your experience while on our site.

Finally, we use "cookies" to establish and maintain a logged-in connection while you are in the secure section(s) of our website. For example, when you visit your account, perform transactions, update contact information or perform other activity the "cookie" allows you to navigate from page to page in a secure fashion without having to repeatedly log-in.

Browsing to other sites:
When you use a link to go from to another web site, the Privacy Notice is no longer in effect. Your browsing and interaction on any other web site is subject to the rules and policies of that site. We encourage you to read the rules and policies of the sites you visit to further understand their procedures for collecting, using, and disclosing personal information.

How Your Information Is Used

We use your personal information primarily to provide you with the products and services you request, and we share and use your personal information relating to transactions, balances, payment history and similar experiences among the TIAA-CREF companies to conduct their business. As permitted by law, we may also share your personal information with select partners with whom we have joint marketing agreements in order to provide you with a variety of products and services. We require these companies to meet privacy standards described below. Unless you have told us otherwise pursuant to “Your Right To Opt-Out” below, we may also use your personal information to market or determine your possible interest in products and services that the other TIAA-CREF companies offer. If you are a participant in an employer-sponsored retirement or savings plan investing in a TIAA-CREF or third-party annuity contract or a TIAA-CREF or third-party mutual fund, we may share the information we collect with your employer and its agents, if any, for plan administration purposes.

Disclosure of Your Information

We share your personal information with other TIAA-CREF companies as permitted by law. We will not disclose your personal information to anyone outside of the TIAA-CREF companies unless: 1) we have received proper consent from you; 2) we are legally permitted to do so; or 3) we reasonably believe, in good faith, that we are legally required to do so. In order to protect the confidentiality of your personal information, including personal information that we have disclosed to a third party pursuant to this Privacy Notice, we take appropriate measures, including requiring each third party to execute an appropriate confidentiality agreement governing the use of such information and only allowing access to the information for a limited purpose. For example, we may provide the information to assist us with various aspects of conducting our business, to comply with laws or industry regulations, and/or to effectuate any contract on your behalf, including the following:

We require that third parties with which we share your personal information protect such information by utilizing the privacy and security safeguards required by law.

Security of Your Information

TIAA-CREF protects the personal information you provide against unauthorized access, disclosure, alteration, destruction, loss, or misuse. Your personal information is protected by physical, electronic, and procedural safeguards in accordance with federal and state standards. These safeguards include appropriate procedures for access and use of electronic data, provisions for the secure transmission of sensitive personal information on our website, and telephone system authentication procedures. Additionally, we limit access to your personal information to those TIAA-CREF employees and agents who need your personal information in order to offer and provide products or services to you.

Your Right to Opt Out

Providing us with access to your information permits us to offer you distinct advantages and better service. It enables us to provide you with more comprehensive financial guidance. In fact, we have established different TIAA-CREF companies to offer you various types of financial products and services. Sharing and using your information helps us tailor product offerings to you and eliminate those that may not interest you. This helps us keep expenses low.

Federal law gives you the right to limit some but not all sharing of your personal information. You may not limit sharing of information of your transactions and experiences with TIAA-CREF companies, but you may limit sharing of information about your creditworthiness.

Unless you tell us otherwise, (i) the TIAA-CREF company(ies) with which you have a business relationship may share information about your creditworthiness with other TIAA-CREF companies or (ii) other TIAA-CREF companies may use your personal information for marketing purposes. If you are a Vermont resident, state law gives you an additional right: we will not share information about your creditworthiness with other TIAA-CREF companies except with your consent.

If you do not want the TIAA-CREF company(ies) with which you have a business relationship to share information about your creditworthiness with other TIAA-CREF companies or other TIAA-CREF companies to use your personal financial information for marketing purposes, you may simply let us know by opting out. If you opt-out, the TIAA-CREF company(ies) with which you have a business relationship may still notify you of their new products or services. Please note that we cannot withdraw any previous disclosures made with your authorization.

To opt out of either information sharing or marketing, or both, please call the National Contact Center at 1 877-518-9161 Monday through Friday from 8:00 a.m. to 10 p.m., and on Saturday from 9:00 a.m. to 6:00 p.m., E.T. You may receive more than one privacy notice from the TIAA-CREF companies depending on the products you own.

If you own a life insurance contract, brokerage account or a TIAA-CREF Funds account with a co-owner, you and the co-owner may:

If you opt out separately, we will limit disclosure of information only for the owner who has opted out. If you indicate that you are opting out for the co-owner as well, we will limit disclosure for both of you.

Your opt-out becomes effective as soon as practicable. It remains in effect until you revoke it in writing. No further action is needed. Even if you have opted out, you will receive our privacy notice each year as required by law.

Children's Privacy Online

This website is not directed toward children. We do not knowingly collect or post information from children under the age of 18.

Changes in Our Privacy Notice

TIAA-CREF periodically reviews its policies. We reserve the right to amend them. If we amend this Privacy Notice, we will continue our commitment to maintaining the security and privacy of your personal information. We will notify you of material changes prior to when they take effect through a banner notice in our website,

How to Change or Correct Your Personal Information

To change information such as your name, address, retirement start date, telephone number, e-mail address, or other personal information, please call our National Contact Center at 1 800 842-2776 Monday through Friday from 8:00 a.m. to 10:00 p.m., and on Saturday from 9:00 a.m. to 6:00 p.m., E.T.

You may also change your personal information by and submitting your changes. Your new information will be effective immediately. If you want to change your address on fewer than all contracts, or to enter a foreign address, you will need to select "click here" located under the e-mail section of the page.

Note that certain changes cannot be processed over the phone. Address changes for payout contracts must be mailed. Also, to change your or your spouse's name on a contract, you must send us a letter with the following information:

You may send letters to:

P.O. Box 1259
Charlotte, NC 28201

Former Customers

If your customer relationship with TIAA-CREF ends, we will not destroy your personal information unless required or permitted by law. We will continue to treat your personal information in accordance with this Privacy Notice and applicable laws.

Internet Tracking Disclosure

We do not have the protocol that offers you the choice to opt-out of Internet tracking. You may reset your web browser to disable do not track signals if your web browser supports such functionality.

The TIAA-CREF Companies

As described in this notice, the "TIAA-CREF companies" include but are not limited to the following:

January 2016