User Agreement

By purchasing products and/or services at GrowMyThriftSavingsPlan.com you agree to its terms and conditions.

Terms of Use

Agreement between user and GrowMyThriftSavingsPlan.com
The GrowMyThriftSavingsPlan.com website (“the Site”) is comprised of various web pages operated by Grow Investments LLC (“GMTSP”). GMTSP is a paid advisory service for current, former, retired federal employees, and military service members, who are invested in the Thrift Savings Plan (“TSP”). GMTSP provides chart analysis and TSP fund allocation recommendations to GMTSP subscribers. Your use of the Site constitutes your agreement to all such Terms. These Terms as well as the information and materials contained in the Site are subject to change from time to time, with or without notice. Please read these terms carefully, and keep a copy of them for your reference.

Access Subject to Local Restrictions
The Site and all information and functionality contained therein are not directed at, or intended for use by, any person or resident located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorizations by the relevant branch, subsidiary, or affiliate office of GMTSP and such licenses or authorizations have not been obtained.

International Users
The Site is controlled, operated, and administered by GMTSP from our offices within the United States. If you access the Site from a location outside the U.S., you are responsible for compliance with all local laws. You agree that you will not use the content of the Site in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Services and Products
Any and all materials available on the Site have no regard to the specific investment objectives, financial situation, or particular needs of any specific recipient. Any report available on the Site is published for informational and educational purposes only and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets, or developments referred to herein. GMTSP does not provide legal or tax advice through the Site and does not warrant that any securities or services discussed are suitable for any investor. Recipients should not regard the materials as a substitute for the exercise of their own judgment. When making a decision about investments, individuals should seek the advice of a professional financial advisor. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other sources. GMTSP is under no obligation to update or keep current the information contained herein.

Forward Looking Statements
The Site may contain statements that constitute “forward looking statements.” While these forward looking statements may represent GMTSP’s judgment of future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from GMTSP’s expectations. GMTSP is under no obligation (and expressly disclaims any such obligation) to update or alter its forward looking statements whether as a result of new information, future events, or otherwise.

No Warranty
The information and materials contained on the Site are provided “as is” and “as available.” GMTSP makes no representations or warranties of any kind, either express or implied, with respect to the information contained and the functionality of the Site, including but not limited to warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Without limiting the foregoing, GMTSP does not warrant the accuracy, timeliness, completeness, reliability, or availability of the Site or the information or results obtained from use of the Site, or that the Site is virus-free or error-free.

Electronic Communications
Visiting the Site or sending emails to GMTSP constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
Unless explicitly stated otherwise, GMTSP does not accept any orders or instructions sent by email. In no event should you use email to transmit personal or confidential information such as any account related data. GMTSP shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to TSPM using email or any other electronic communication.

Your account
If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that GMTSP is not responsible for third party access to your account that results from theft or misappropriation of your account. GMTSP and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
GMTSP does not knowingly collect, either online or offline, personal information from persons under the age of eighteen. If you are under 18, you may use the Site only with permission of a parent or guardian.

Links to third party sites/Third party services
The Site may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of GMTSP. GMTSP does not assume any responsibility for and does not make any warranties or representations as to any third party content including but not limited to, the accuracy, subject matter, quality or timeliness, including without limitation any link contained in a Linked Site. GMTSP is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by GMTSP of the site or any association with its operators.
Third party sites and organizations deliver certain services made available via the Site. By using any product, service, or functionality originating from the GrowMyThriftSavingsPlan.com domain, you hereby acknowledge and consent that GMTSP may share such information and data with any third party with whom GMTSP has a contractual relationship to provide the requested product, service, or functionality on behalf of GrowMyThriftSavingsPlan.com users and customers.

Social Bookmarks
The Site may contain Social Bookmarks that are identifiable by means of respective buttons. Social Bookmarks allow users of certain social media platforms to post links of selected GMTSP web pages on their corresponding social media profile in order to bookmark them or share them with their social media contacts. If you use Social Bookmarks you will be sending identifying data to the respective social media platform. Any comments or activity arising from persons using Social Bookmarks is not controlled, endorsed, or monitored by GMTSP and GMTSP shall not be responsible or liable for such. Persons who share GMTSP communications via Social Bookmarks are not authorized to speak for or represent GMTSP and their views and opinions must be regarded as strictly their own and not those of GMTSP. In addition, the provisions in these Terms of Use relating to Links also apply to Social Bookmarks.

Not a Registered Investment Adviser
GrowMyThriftSavingsPlan.com is published by GMTSP Financial, LLC. GMTSP Financial, LLC is a private commercial advisory service and is not associated in any way with the U.S. Federal government or the tsp.gov website, nor has it received any endorsement from either the Thrift Savings Plan or the Federal Retirement Thrift Investment Board (FRTIB).
GMTSP Financial, LLC, its officers, directors, and employees, are neither Registered Investment Advisers (RIAs) nor Broker/Dealers as defined by the laws of the State of Virginia. As a publisher of a financial newsletter of general circulation, we cannot tender individual investment advice. The recommendations provided on the Site are published and provided for informational and educational purposes only and constitute the opinions of GMTSP. None of the information contained in the Site constitutes a recommendation that any particular security, portfolio of securities, or investment strategy is suitable for any specific person. You understand that GMTSP does not, and will not, advise you personally concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, or security investment strategy. To the extent any information contained in the Site may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

No unlawful or prohibited use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. As a condition of your use of the Site, you warrant to GMTSP that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of GMTSP or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. GMTSP content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of GMTSP and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of GMTSP or our licensors except as expressly authorized by these Terms.

Indemnification
You agree to indemnify, defend, and hold harmless GMTSP, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement, or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. GMTSP reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with GMTSP in asserting any available defenses.

Liability disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. GMTSP FINANCIAL, LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
GMTSP FINANCIAL, LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. GMTSP FINANCIAL, LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GMTSP FINANCIAL, LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF GMTSP FINANCIAL, LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction
GMTSP reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law (this agreement is governed by the laws of the State of Virginia) you hereby consent to the exclusive jurisdiction and venue of courts in Virginia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and GMTSP Financial, LLC as a result of this agreement or use of the Site. GMTSP’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of GMTSP’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by GMTSP with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and GMTSP with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and GMTSP with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms
GMTSP reserves the right, in its sole discretion, to change the Terms under which the use of the Site is offered. The current published version of the Terms will supersede all previous versions. GMTSP encourages you to periodically review the Terms to stay informed of our updates.

Contact Us
GMTSP welcomes your questions or comments regarding the Terms:

Grow Investments, LLC, Leesburg, Virginia 20175
Email Address: info@GrowMyThriftSavingsPlan.com
Telephone number: (540)369-2035
Effective as of March 01, 2017