TERMS &
CONDITIONS

1. Acceptance of Terms

By accessing or using the Quarrydell website (the "Site"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use the Site.

2. Nature of Service (Important Disclaimer)

We are not affiliated with, endorsed by, or partnered with TIAA, Fidelity, Vanguard, or any other financial institution. Our analysis is independent and based on publicly available data and user contributions.

3. Intellectual Property Rights

Unless otherwise stated, Quarrydell owns the intellectual property rights for all material on the Site, including research reports, fee comparison charts, and editorial content. All intellectual property rights are reserved. You may access this for your own personal use, but you must not:

• Republish material from Quarrydell for commercial purposes.
• Sell, rent, or sub-license material from the Site.
• Reproduce, duplicate, or copy research data without explicit written consent.
• Redistribute content from Quarrydell (unless content is specifically made for redistribution).

4. User Conduct

You agree to use the Site only for lawful purposes. You are prohibited from using the Site to:

• Engage in any activity that could damage, disable, or impair the Site.
• Attempt to gain unauthorized access to any part of the Site or its underlying systems.
• Use any automated system (robots, spiders) to harvest data from the Site without our permission.
• Submit false or misleading information through our contact or inquiry forms.

5. Limitation of Liability

Quarrydell and its contributors shall not be held liable for any financial losses, damages, or legal issues arising from your use of the information provided on this Site. While we strive for 100% accuracy in our reporting, financial regulations and product terms (especially those of TIAA) change frequently. Information is provided on an "as-is" basis without warranties of any kind.

6. Third-Party Links

Our Site may contain links to external websites (e.g., TIAA, IRS, or news outlets). We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

7. Termination

We reserve the right to terminate or suspend access to our Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of California, USA, and you irrevocably submit to the exclusive jurisdiction of the courts in that State.