Terms & Conditions

This Web site is sponsored by TD Ameritrade Trust Company. PLEASE READ THE TERMS OF THIS AGREEMENT CAREFULLY; THEY ARE THE TERMS THAT GOVERN YOUR USE OF THIS WEB SITE. BY USING THE WEB SITE, YOU ARE AGREEING TO ACCEPT AND BE LEGALLY BOUND BY THE AGREEMENT. (If you do not agree with the terms on the Web User Agreement, simply leave the Web site and refrain from using it.)

For purposes of this Agreement, "you" means any person or entity contacting and using this Web site. "Content" means any and all information, services, hyperlinks, or other visual, graphic, text or other form of material or data displayed on the Web site.

Hyperlinks to Third-Party Information and Value-Added Services

This Web site may contain electronic hyperlinks to other third-party Web sites. TD Ameritrade Trust offers these hyperlinks as an accommodation to you and other users, but does not guarantee and is not responsible for the accuracy, quality or suitability of the information provided on Web sites located through such hyperlinks, nor are we responsible for the privacy practices of such other sites and sponsoring companies.

When you leave our site by means of a hyperlink, you are subjecting yourself to whatever policies and practices might be employed by the operators of the other Web sites, and TD Ameritrade Trust has no control over such activities. It is strongly recommended that you read and familiarize yourself with the user policies of other sites before utilizing the contents of those sites.

TD Ameritrade Trust Does Not Provide Financial, Investment, Tax or Legal Advice on this Web Site

The Content available on this Web site is provided by TD Ameritrade Trust for general reference only. Nothing contained on the Web site constitutes tax, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Web site constitutes a solicitation or offer by TD Ameritrade Trust or its affiliates to buy or sell any financial instrument. Although it is believed to be reliable, TD Ameritrade Trust does not guarantee the accuracy of the information provided on this Web site, including but not limited to text, graphics or links. All content on this Web site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. You acknowledge that any reliance on the information obtained through this Web site is at your sole risk and that you assume full responsibility for any and all costs associated in any way with use of such information. You further acknowledge that TD Ameritrade Trust, its officers, directors, and employees are not liable for damages of any kind, whether or not such damages might have been foreseeable, related to your use of this Web site and its Content. You agree to indemnify, defend and hold harmless TD Ameritrade Trust and all of its employees, agents and representatives, from any and all claims asserted by you or by a third party arising from your use of this Web site.

Arbitration and Governing Law Provisions

By using this Web site, you agree that all claims and disputes of every type and matter which may arise between you and TD Ameritrade Trust will be submitted to binding arbitration pursuant to the Commercial Arbitration rules of the American Arbitration Association, and that any such arbitration proceedings and hearings will take place only in Denver, Colorado. To the extent not preempted by federal law, Colorado statutory law (including without limitation the statutes governing the award of damages in arbitration) and Colorado common law will govern. You expressly waive any right to conduct litigation or arbitration in any other forum. Arbitration is final and binding on all parties.

Acceptable Use

This Web site may not be used in violation of any community standards, accepted Internet policy, laws or regulations of local, state, foreign or federal governments or agencies thereof, or international treaty. These actions include, but are not limited to, misuse of copyrighted, patented or protected materials. Additionally, you may not utilize this Web site in any manner that would overburden any TD Ameritrade Trust server, or network connection to any TD Ameritrade Trust server.

The content of this Web site is owned by TD Ameritrade Trust and is protected by applicable laws. You may not copy, distribute, modify, or use the content of this Web site for public or commercial purpose, including all text, images, audio and video without TD Ameritrade Trust's written permission.

Security/Privacy

The Internet is not a secure network. Confidential or sensitive information should not be transmitted over the Internet, or stored on computers directly connected to the Internet. TD Ameritrade Trust does not assume responsibility for loss or theft of information transmitted over the Internet or stored on computers directly connected to the Internet. You further acknowledge that, by using this Web site, information as to your Internet address, your identity, the details of your activity on this Web site and other similar information will become available to TD Ameritrade Trust, and you hereby permit TD Ameritrade Trust to collect, store, analyze and use this information in its sole discretion for marketing, promotional, quality control and other purposes related to the Content and to the operation of this Web site. TD Ameritrade Trust will only make such information available to third parties pursuant to its Privacy Policy.

Disclosure of User Information

TD Ameritrade Trust does not sell or distribute user information to third parties. If you have voluntarily submitted user information to us through an email or contact form, TD Ameritrade Trust maintains your security by ensuring the information is only distributed within TD Ameritrade Trust and its affiliates. This enables us to respond to your request about a product or service.

Downtime and Interruptions in Service

TD Ameritrade Trust strives to keep this Web site available on a continuous basis. However, as with all computer systems, periodic upgrades and other services will sometimes be required. In addition, telecommunication links that are necessary to operate this Web site are maintained by third parties and TD Ameritrade Trust has no control over the ability of such external systems to remain in operation without disruption. Thus, you acknowledge that this Web site may be occasionally unavailable due to such periodic maintenance or to other unexpected interruptions, and TD Ameritrade Trust is not responsible for inaccessibility during such downtimes.

Termination

This Agreement is effective unless and until terminated by TD Ameritrade Trust. TD Ameritrade Trust may terminate this Agreement at any time without notice to you, and accordingly, deny you access to this Web site in its sole discretion if you fail to comply with the provisions of this Agreement.

Modification

TD Ameritrade Trust may modify the Content of this Web site at any time without notice. TD Ameritrade Trust makes no guarantee that the Content offered on this Web site will remain available for any specific period of time.

General Provisions

This Agreement sets forth the entire agreement between you and TD Ameritrade Trust related to the subject matter addressed above. If any provision of this Agreement is invalid or unenforceable, the remainder of the Agreement shall remain in force and the affected provisions shall be deemed modified so as to be enforceable to the maximum extent permitted by law. You may not assign this Agreement to a third party without TD Ameritrade Trust's prior written consent. TD Ameritrade Trust shall not be deemed to have waived any rights herein by electing not to enforce such rights. TD Ameritrade Trust shall not be responsible for any failure in performance that is due to causes or occurrences beyond its control.

For information regarding the risk of investing in CIFs, please see the Fund Summary Document listed under the CIF Information tab.
For more information on the Retirement Advocate Funds, please contact Scott Redman at 303-294-5354.

Investment Products: Not FDIC Insured | May Lose Value | No Bank Guarantee