Site terms

These are definitions used in this agreement.

'Site' means usaa.com, mobile.usaa.com, the USAA Mobile app, USAALabs.com, USAAStories.com, or any other digital channel in which USAA maintains an established presence through a service or application.

This section provides legal disclosures about the content on usaa.com. You accept delivery of the following disclosures that relate to information at this Site.

Suggestions: Suggestions and offers on this Site are not recommendations, unless expressly identified as such, and may not be appropriate for all users, even where the Site indicates that users like you have purchased the product.

USA PATRIOT Act: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Tax and Legal Advice: This Site is not intended to provide legal or tax advice. Consult a professional legal or tax advisor for advice regarding your specific situation.

Foreign Jurisdictions: USAA products and services are available only in those jurisdictions where USAA is authorized or permitted by local law to promote or sell them.

Company Identification: The products and services offered via USAA Online are provided by USAA.

Availability of Products: USAA products are generally available to military members and their families who meet certain membership eligibility criteria.

Membership: The terms 'member' and 'membership' generally refer to current USAA customers and their spouses and children who are eligible to join USAA Membership Services. Use of the term 'member' and 'membership' does not convey any legal, eligibility, or ownership rights. Ownership rights are limited to eligible policyholders of United Services Automobile Association.

Computer Requirements: To use this Site, you must have a personal computer equipped with a modem or other access device. You are responsible for the selection, installation, maintenance, and operation of your computer and software. We are not responsible for any errors, failures, or malfunctions of your computer or software. You are responsible for ensuring that your computer and software are compatible with our Site. We reserve the right to change the system requirements for using this Site.

This section explains our policy regarding postings on this Site. We do not publish all postings. We may disclose your identity in response to legal actions. USAA owns the content you submit.

Our Right to Publish: By posting a comment on this Site or on USAA-sponsored message boards, discussion forums or other interactive content on third party sites, you agree that USAA may publish your comment in whole, or in part. USAA does not agree to post all comments received. USAA reserves the right to remove or modify any posting that is false, offensive, violates any law or the rights of third parties, violates these Site Terms, or is defamatory or duplicative.

Identification of Posters: When you submit a posting to USAA on this or other sites, USAA may identify you by: your hometown, and state or country; and your first name, or last name and initial, or an alias that you have provided to us; your 'member since' date; and other information that does not specifically identify you.

Disclosure in Legal Actions: USAA reserves the right to reveal your identity and the content of your original and posted submissions in response to legal action by any party, or in response to a request by governmental authority, or in defense of USAA.

USAA Ownership of Content: USAA retains ownership of all postings submitted on this Site, except when copyrighted material is posted.

This section explains ways you are prohibited from using this Site, including using it for your own commercial use, sending inappropriate emails, providing false information, accessing this Site if not authorized, and improperly using USAA's name.

Personal Use Only: You will use the Site only for your personal, noncommercial use unless you and USAA have agreed otherwise in writing. Use in connection with policies or accounts with USAA in the name of your business are considered personal use.

Electronic Mail: You may not send electronic mail to us that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights; or contains harmful code, political campaigning, commercial solicitation, chain letters, or mass mailings; or violates any applicable law, such as the CANSPAM Act.

Access: You may not use this Site in any manner that could damage or overburden any USAA equipment or software. You may not use any means of systematic retrieval of data or other content from this Site. You may not obtain, or attempt to obtain, access to any material or information on this Site that is protected by passwords, PIN or required login identification through any means not expressly authorized by USAA. You may not use the login information of another person, unless they specifically authorized you to do so.

False Information: You may not intentionally provide any false information when you register for this Site, apply for products or services from USAA, post comments on this Site or on USAA-sponsored web pages, or complete your profile.

Framing: You may not frame any Site content.

Links: You agree to obtain our permission before creating a hyperlink or similar link or connection to this Site.

Endorsements: You may not use USAA's name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by USAA without express written permission.

This section explains that we do not control some third parties that are linked from this Site.

This Site contains links to other Internet sites that are not maintained by USAA. Unless otherwise stated, USAA makes no warranties or representations regarding these websites or the products or services offered on them. USAA does not control the privacy or security practices of third parties, or the locations where they process data. You should read the privacy and security policies of the other sites, as their practices may differ from ours.

This section explains how to respect the intellectual property of USAA, how to report copyright infringements and how we will treat ideas you submit to us.

Unsolicited Submissions: Unless otherwise stated, USAA does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its services and products. Any such postings to this Site and electronic mail delivered to USAA will be considered non-confidential and non-proprietary, and will remain, the exclusive property of USAA. USAA may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the USAA Privacy Promise.

USAA Copyright: This entire Site is the copyrighted work of USAA. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form.

Trademarks: By providing content, we do not allow you to use trademarks referenced in this Site. You may not use any meta tags or any other 'hidden text' using USAA's name or trademarks without the express written consent of USAA. The trademarks, logos, and service marks ('Marks') displayed on the Site are the property of USAA or other parties. Users are prohibited from using any Marks without the written permission of USAA or the third party that owns the Marks. American Express and the American Express logos are the registered trademarks of American Express Financial Services, Inc. Quicken® is a registered trademark of Intuit, Inc. Microsoft® Money is a registered trademark of Microsoft Corporation.

Copyright Infringement Claims: It is our policy to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit USAA to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by USAA. Written notice must be sent to: USAA, General Counsel, 9800 Fredericksburg Road, San Antonio, Texas 78288.

This section disclaims all warranties and liabilities related to this Site.

This Site is provided by USAA on an 'as is' and 'as available' basis. To the full extent permissible by applicable law, USAA disclaims all warranties, express or implied, including, but not limited to, implied warranties of Merchantability and fitness for a particular purpose. Except as provided in the Online Security Guarantee, USAA will not be liable to you or anyone else for damages of any kind arising from the use of this Site, INABILITY TO USE THIS SITE, or circumstances beyond its control, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, even if USAA is expressly advised of the possibility of such damages. Some states do not allow limitations on warranties or certain damages. Therefore, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

This section describes the law that will apply, and how and where we will handle disputes. It also has provisions that help in interpreting this agreement and how it relates to other agreements you may have with us. It describes how the agreement may be changed by us and the last date it was modified.

Governing Law: Use of this Site and the Online Agreement shall be governed by and construed in accordance with the laws of the State of Texas without giving effect to any principles of conflicts of laws, unless otherwise specified in the applicable Product Agreement. The Uniform Computer Information Transactions Act or any substantially similar law, if enacted, will not govern any aspect of these Site Terms, your access to this Site or the Online Agreement.

Jurisdiction and Venue: If any claim or dispute under these Site Terms is not subject to Arbitration or an alternative as described in the Arbitration Procedures in the Online Agreement, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.

Severability: If any provision of these Site Terms or the Online Agreement is unlawful, void or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible.

Waivers: Any waiver of any provision of these Site Terms or the Online Agreement will be effective only if in writing and signed by an authorized representative of USAA. Any delay or omission by USAA to exercise any rights under these Site Terms or the Online Agreement shall not be construed to waive any rights.

Section Headings: The section titles, the italicized explanations in the shaded boxes, and the section headings are not part of the agreement and are not to be used in interpreting the terms of the agreement.

Conflicts: In the event of a conflict between these Site Terms or the Online Agreement and your Product Agreement, the Product Agreement shall control.

Notices: If you have registered at this Site we will notify you of any material changes to these Site Terms or the Online Agreement by using any of the contact information you have provided to us. These changes will not apply to disputes that arise prior to the effective date of the change.

Survival: Certain provisions of this Agreement by their nature shall continue in full force and effect after termination, including authorizations you have granted, the Disclaimer of Warranties and Limitation of Liability, Arbitration, and Jurisdiction/Enforceability.