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Terms & Conditions for CareerPurpose.com

Welcome to the CareerPurpose.com website. The information, content, tools, products and services of this website (“Site”) are owned by TIAA and its subsidiaries and affiliates (collectively, “TIAA”), as well as by certain Third-party content provider(s), as more fully described, below.

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 the CareerPurpose.com privacy notice.

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.

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.

Any personal information we collect from you is done with your consent. December 2018

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