Terms and Conditions

Welcome to the TIAA-CREF website. The information, content, tools, products and services of this website (“Site”) are owned by TIAA-CREF and its subsidiaries and affiliates (collectively, “TIAA-CREF”), 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-CREF.

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-CREF 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-CREF and used for TIAA-CREF’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-CREF 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-CREF 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-CREF 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-CREF’s name, logo, trademarks, text, notices, or images without TIAA-CREF’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.cxall

You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. TIAA-CREF 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-CREF (“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 (PDF) link. 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-CREF 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-CREF makes every attempt to provide accurate and timely information to serve the needs of users, neither TIAA-CREF nor any Third Party Content provider guarantees the accuracy, timeliness, completeness or usefulness of the Third Party Content, and neither TIAA-CREF 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-CREF 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-CREF 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-CREF, you agree to provide TIAA-CREF 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-CREF immediately. TIAA-CREF 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-CREF 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-CREF DOES NOT WARRANT THAT THE SITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. TIAA-CREF 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-CREFF 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-CREF WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH TIAA-CREF 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-CREF 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-CREF, 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-CREF 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-CREF 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.

These Terms of Use were last modified in June 2013.