PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE.
Restrictions on Use
What Information is Collected by the Site
TCRS sends Site visitors "cookies," a small data file sent by the Site to your browser, which may then be stored on your hard drive. TCRS’s cookie enables the Site to recognize you if you have utilized certain Site features. In addition, the cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline to accept or delete them.
You understand that TCRS cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. TCRS does not assume any responsibility or risk for your use of the Internet, nor does TCRS assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through the Site or any hyperlinked sites. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TCRS DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NONINFRINGEMENT. TCRS DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. TCRS DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND TCRS MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT TCRS, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. TCRS ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information on this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and TCRS does not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete.
Limitation of Liability
TCRS AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, VOLUNTEERS, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE SITE, EVEN IF TCRS OR A REPRESENTATIVE AUTHORIZED BY TCRS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF TCRS AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, VOLUNTEERS, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.
Trademarks, Service Marks and Copyrights
"Transamerica," the Transamerica Pyramid building, and Transamerica Pyramid logo are federally registered trademarks of the Transamerica Corporation. Unless otherwise specifically noted, images, trademarks, service marks, logos, and icons displayed on the Site are the property of TCRS, Transamerica Corporation or other parties that provided the trademarks, service marks and logos to TCRS, and may not be used without TCRS's prior written consent. TCRS, Transamerica Corporation, and any party that provided trademarks, service marks, and logos to TCRS retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this Site. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws, and communications regulations and statutes.
Information You Provide
You may not post, send, submit, publish, or transmit in connection with this Site any material that:
We Are Not Providing Investment Advice, Soliciting Offers or Selling
The information contained on the Site does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or any insurance product. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.
This Site is controlled by us from our offices within the United States. Except as specifically stated, we make no representation that Content in this Site is appropriate or available for use in other jurisdictions. Access to this Site's Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of U.S. export laws and regulations. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content.
Violations of Rules and Regulations
The Site’s online calculators may contain data regarding retirement investing. Such information is provided for educational purposes only and does not constitute an endorsement or recommendation of any security or investment program or service or the suitability thereof for you. TCRS does not offer legal or tax advice, and the information provided in the online calculators should not be so construed. Please consult your tax advisor for guidance regarding your particular situation.
You acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, e-mail, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by TCRS.
For your protection, TCRS may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures to protect the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as "perfect security" on the Internet, we will take reasonable steps to insure the safety of your personal information. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. TCRS is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not TCRS, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS TCRS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY TCRS DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER TCRS OR LAW ENFORCEMENT AUTHORITIES.
This Site does not intend to market any products or services to children under thirteen (13) years of age. TCRS does not knowingly gather or solicit data from children under thirteen (13) years of age through this Site for marketing purposes. By using this Site you represent that you are not under thirteen (13) years of age.
For optimal performance, please use either Internet Explorer 6.0 or higher with all critical updates, Safari 2.0 or higher (for Mac), or Firefox 2.0 or higher when connecting to this Site.
Last updated: February 2010.
© 2010 The Transamerica Center for Retirement Studies
All rights reserved.
For additional information on the Transamerica Center for Retirement Studies, contact us: email@example.com
Rebecca Neufeld / Edelman
(415) 229-7674 firstname.lastname@example.org
Joseph Campbell / Edelman
(415) 486-3255 email@example.com
The Transamerica Center for Retirement Studies® ("The Center") is a non-profit corporation and private foundation. The Center is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third-parties.
The Center and its representatives cannot give ERISA, tax, investment or legal advice. This material is provided for informational purposes only and should not be construed as ERISA, tax, investment or legal advice. Interested parties must consult and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here. Although care has been taken in preparing this material and presenting it accurately, The Center disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.