Terms & Conditions

Please read these terms and conditions carefully. By accessing this web site and any pages hereof, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms and Conditions, do not access this web site.  Teachers Advisors, Inc. and Teachers Personal Investors Services, Inc., both of which are subsidiaries of Teachers Insurance and Annuity Association of America (collectively, “TIAA-CREF,” “we,” “us” or “our”) reserves the right to update these Terms and Conditions at any time and without notice.  You are responsible for regularly reviewing these terms and conditions and your continued use of this web site constitutes agreement to any and all such updates.

The information provided on this site is provided for informational purposes only. The information provided does not constitute an offer to sell, or the solicitation of an offer to buy, any securities and must not be relied upon in connection with any investment decision.  In addition, nothing contained in this website constitutes investment advice.  While TIAA-CREF seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors. We reserve the right to make changes and corrections at any time, without notice. 

The information on this web site is provided by us to you “AS IS” without warranty of any kind, either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. TIAA-CREF does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this site and TIAA-CREF expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the site. Neither TIAA-CREF, nor any of its affiliates, directors, officers or employees, nor any third party vendor retained by TIAA-CREF will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of TIAA-CREF or of any vendor providing software or support services for this site. In no event will TIAA-CREF, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if TIAA-CREF or any other party have been advised of the possibility thereof.

This website is owned and operated by TIAA-CREF.  Unless otherwise specified, this web site is for your personal and non-commercial use only and you may print, copy and download any information or portion of this web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this web site, except for the purposes expressly provided herein, without prior written approval. If you copy or download any information or software from this web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

TIAA-CREF controls and operates this website from offices within the State of New York in the United States of America.  Accordingly, these terms and conditions shall be governed by, and construed in accordance with, the law of the State of New York, without reference to any jurisdiction’s choice of law rules.  TIAA-CREF makes no representation that materials on the site are appropriate or available for use in other countries, and access to them from locations where their content is illegal is prohibited.  If you choose to access this site from other locations, you do so on your own initiative and we are not responsible for your compliance with applicable local law.  Information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution would be contrary to law or regulation or which would subject TIAA-CREF or its affiliates to any registration requirement within such jurisdiction or country.  You may not use or export the materials on this site in violation of U.S. export laws and regulations.