Terms of Service

Effective Date: January 01, 2025

Acceptance of Terms

Welcome to TSP Guru. By accessing, using, or subscribing to our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must refrain from using TSP Guru’s platform, tools, or content. Your continued use of the platform constitutes acceptance of the Terms as they may be updated from time to time.

Services Provided

TSP Guru offers portfolio recommendations, analytical tools, and educational resources to assist users in understanding the Thrift Savings Plan ("TSP"). These services are intended for informational purposes only and do not constitute financial, legal, or tax advice. All decisions and actions taken based on the information provided by TSP Guru are at your sole discretion and risk. You are solely responsible for evaluating the suitability of our recommendations to your personal financial situation.

TSP Guru makes no guarantees regarding the accuracy, reliability, or completeness of the content provided, and past performance is not indicative of future results.

User Responsibilities

  1. Account Security: Users are responsible for maintaining the confidentiality and security of their login credentials. TSP Guru is not liable for unauthorized access to your account due to your failure to safeguard this information.

  2. Compliance with Laws: Users must ensure their activities on TSP Guru’s platform comply with all applicable laws, regulations, and these Terms. Users may not use our services for unlawful, fraudulent, or malicious purposes.

  3. Accurate Information: You agree to provide accurate, current, and complete information during registration and maintain the accuracy of your account details.

  4. Prohibited Activities:

    • Misuse of the platform, including unauthorized access, hacking, or attempting to circumvent security measures.

    • Distribution of content that infringes on intellectual property rights or violates these Terms.

Limitation of Liability

  1. To the fullest extent permitted by law, TSP Guru, its affiliates, officers, directors, employees, and agents are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use or inability to use the platform, services, or content, even if advised of the possibility of such damages.

  2. TSP Guru does not warrant that the platform will be error-free, uninterrupted, or secure. You agree to use the platform “AS IS” and “AS AVAILABLE.”

  3. Financial outcomes resulting from recommendations provided by TSP Guru are solely your responsibility. We disclaim all liability for financial losses, data breaches, or other damages, whether foreseeable or unforeseeable.

Account Termination

TSP Guru reserves the right to terminate or suspend your account without notice or liability for:

  1. Breach of these Terms.

  2. Misuse of services or engaging in prohibited activities.

  3. Actions deemed harmful to the platform, other users, or TSP Guru’s reputation.

Upon termination, all rights granted to you under these Terms will immediately cease. You remain liable for any obligations incurred before termination.

Intellectual Property

  1. All content, trademarks, service marks, designs, software, and other materials provided by TSP Guru are protected by intellectual property laws and remain the exclusive property of TSP Guru.

  2. Users are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal, non-commercial purposes only. Unauthorized reproduction, distribution, or modification of TSP Guru’s content is strictly prohibited.

Changes to Terms

TSP Guru reserves the right to modify or update these Terms at any time without prior notice. Changes will become effective upon posting. It is your responsibility to review these Terms periodically. Continued use of the platform after any modifications indicates your acceptance of the revised Terms.

Indemnification

You agree to indemnify, defend, and hold harmless TSP Guru, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

  1. Your use of the platform.

  2. Violation of these Terms.

  3. Infringement of any third-party rights or applicable laws.

Governing Law

These Terms and any disputes arising from or related to them are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located within New Jersey for the resolution of any legal matters.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and TSP Guru regarding the use of the platform, superseding any prior agreements or understandings.

Contact Us

If you have any questions or concerns regarding these Terms, please contact us at: Email: contact@tspguru.com