Disclaimer
Effective Date: 01/01/2025
TSP Guru (“we,” “our,” “us”) is a website designed to provide blog posts, tools, and educational content regarding the Thrift Savings Plan (TSP). By accessing or using this website, you acknowledge and agree to the terms outlined in this Disclaimer. The information provided on this platform is intended for informational and educational purposes only and should not be interpreted as financial, legal, or tax advice.
No Financial Licenses or Professional Advice
TSP Guru, its authors, and contributors are not licensed financial advisors, brokers, tax professionals, or attorneys. The content on this website is not intended to substitute for professional financial advice tailored to your specific situation. You should consult with a qualified financial advisor, tax specialist, or legal professional before making any financial decisions or investments. TSP Guru disclaims all liability for any financial outcomes resulting from the use of the website’s content.
Educational Purpose Only
TSP Guru offers blog posts, tools, and other resources created with the assistance of artificial intelligence (AI). While we strive to provide accurate, well-researched, and up-to-date content, it is strictly for educational purposes and should not be construed as a guarantee of financial performance. Past results, examples, or success stories presented on this platform are hypothetical and for illustrative purposes only.
Backtesting and Results Disclosure
Any performance data, results, or recommendations displayed on TSP Guru are derived from backtesting strategies implemented using Python programming and other analytical tools. Backtesting refers to the process of testing investment strategies using historical data and does not account for actual market conditions, transaction costs, or future performance. The results of backtesting are theoretical and may not reflect the actual results of any specific investment strategy.
These records and proprietary data are stored and managed exclusively by TSP Guru’s internal team. Users are advised that backtesting results are provided solely for informational purposes and should not be relied upon as a guarantee of future performance.
Investment Risks
Investing inherently involves risks, including but not limited to:
Loss of principal
Market volatility
Unforeseen economic conditions or events
TSP Guru makes no representations or warranties regarding the suitability, reliability, or accuracy of the strategies, tools, or educational materials provided. Users are solely responsible for evaluating the risks associated with their financial decisions and investments. You acknowledge that any investment decision you make is made at your own discretion and risk.
No Guarantees
TSP Guru does not guarantee:
That you will achieve positive financial outcomes, including but not limited to beating the market or maximizing returns.
The accuracy, completeness, or reliability of the information provided on this platform.
Any specific investment results or performance metrics.
Proprietary Information
All content, strategies, tools, and data provided on TSP Guru, including backtesting records, are proprietary information owned by TSP Guru. Unauthorized use, reproduction, or distribution of this content is strictly prohibited.
Affiliation Disclosure
TSP Guru is an independent platform and is not affiliated with, endorsed by, or associated with any government entity, including but not limited to the Federal Retirement Thrift Investment Board (FRTIB) or the Thrift Savings Plan. Any references to the Thrift Savings Plan are for informational purposes only and do not imply endorsement or official affiliation.
Limitation of Liability
To the fullest extent permitted by law, TSP Guru, its authors, contributors, employees, affiliates, and agents disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages arising from:
The use of this website or reliance on its content.
Errors, inaccuracies, or omissions in the information provided.
Any financial decisions or investment actions taken based on the material provided.
By using this website, you agree to hold TSP Guru harmless for any outcomes resulting from your use of the platform, including financial losses or damages.
Use of AI-Generated Content
Portions of the content on TSP Guru are created or assisted by artificial intelligence. While we strive to ensure accuracy and relevance, AI-generated material may not always reflect the most current or accurate information. Users should independently verify any content before making decisions based on it.
Indemnification
By using this website, you agree to indemnify and hold harmless TSP Guru, its authors, contributors, and affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of your use of the platform or your violation of this Disclaimer.
Governing Law
This Disclaimer is governed by and construed in accordance with the laws of the State of New Jersey. Any disputes arising from or related to this Disclaimer shall be subject to the exclusive jurisdiction of the courts located in New Jersey.
Changes to this Disclaimer
TSP Guru reserves the right to modify or update this Disclaimer at any time without prior notice. Updates will be effective immediately upon posting. Your continued use of the website constitutes acceptance of any revised Disclaimer.
Contact Us
If you have any questions or concerns regarding this Disclaimer, please contact us at:
Email: contact@tspguru.com