Privacy Policy

Privacy Policy

Use Of Personal Finance for Military Life’s Website And Materials

The purpose of the Personal Finance for Military Life (“PFML”) website is to provide information and resources to help improve financial readiness for military service members and their families. PFML’s website and related materials (the “site”) have been prepared for informational purposes only. By utilizing the site, you agree to the following terms and conditions.

Not Legal or Professional Advice

PFML does not endorse or promote any commercial supplier, product or service. Information on the site is not to be construed as medical, legal, tax or investment advice. It constitutes only a general overview of the subject matter discussed. PFML does not provide professional services for financial, accounting or legal matters. You should always consult with your tax and legal advisers regarding the legal consequences of your financial planning or other activities. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, guidance, services or other information on the site as they may pertain to your specific situation. Transmission and/or receipt of the information contained on the site do not constitute a professional-client relationship of any kind. The information contained on the site could be time sensitive requiring revisions and updates periodically.

No Warranties

All materials and services on the site and any linked third-party sites are provided “as is” without warranty of any kind. PFML makes no representations and disclaims all warranties, express or implied, including, but not limited to: warranties of title, non-infringement, merchantability and fitness for a particular purpose regarding the suitability of the information; the accuracy, reliability, completeness or timeliness of the content, services, text, graphics, links, or other items contained within the site; or the results obtained from accessing and using the site and/or its content. PFML does not warrant that use of the site and its materials will be uninterrupted or error-free, that defects will be corrected, or that the site, including the server that makes it available, are free of viruses or other harmful components.

Copyright

All materials, information, images, graphics and text on the site are owned by The USAA Educational Foundation, Inc. (the “Foundation”) and protected by copyright laws. No part of this site or the materials contained thereon may be copied, reprinted, reproduced, modified or distributed without the express written consent of PFML. All other rights are reserved. The names, trademarks, service marks and logos appearing on this site may not be used in any advertising or publicity, or otherwise to indicate PFML’s sponsorship of or affiliation with any product or service, without PFML’s prior express written permission.

Links To Other Sites

The appearance of external links on this site does not constitute PFML’s responsibility or endorsement for the external sites or the information, products or services contained in these sites. These links are provided for your convenience only. When you link to another site, you are no longer on the PFML website and are subject to the privacy policy of the new site.

Modification

PFML shall have the right, at its discretion, to change, modify, add or remove terms of this agreement or the site at any time. Changes shall be effective immediately, and your subsequent use of the site shall constitute acceptance of them.

Limitation of Liability

Under no circumstances shall PFML be liable for any direct, indirect, incidental, special, consequential or other damages, including but not limited to loss of data or lost profits, that result from the use of, or the inability to use, the site or its materials.

Privacy Statement

PFML is committed to assuring its users that their privacy will be respected and protected. PFML uses Internet cookies and related technology for user’s security and to manage PFML’s site.

What Information Is Used

If you do nothing during your visit but browse through the site, read pages or download information, PFML will gather and store certain information about your visit automatically. This information does not identify you personally. Only the following information about your visit is collected and stored:

    • The Internet domain (e.g., .com, .net, etc.) and IP address (a number automatically assigned to your computer whenever you are surfing the Web) from which you access our website.
    • The type of browser and operating system used to access our site.
    • The date and time you access our site.
    • The pages you visit.
    • If you linked to our website from another website, the address of that website.

We use the information we collect to count the number and type of visitors to the different pages on our site, and to help us make our site more useful to visitors like you.

How Your Information Is Used

You may choose to provide PFML with personal information such as your name, mailing address, phone number and/or e-mail address. PFML uses that information to provide a service or materials to you or to respond to your requests. Personal information you have provided is held in strict confidence and is limited to representatives of PFML and outside processing companies (such as printers and mail services) solely to service your requests. PFML does not share your personal information with any outside organizations for their own marketing purposes.

How We Respond to “Do not Track Signals”

PFML does not track visitors over time and across third party websites and therefore does not respond to Do Not Track (DNT) signals.  However, some third party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you.  If you are visiting such sites, your internet browser allows you to set the DNT signal so that third parties know you do not want to be tracked.

Third parties cannot collect any personally identifiable information from PFML’s website unless you provide it to them directly.

Miscellaneous

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 PFML. Any delay or omission by PFML 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.

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.

To Contact PFML

To contact us about privacy or other website issues, write to:

Personal Finance for Military Life
9800 Fredericksburg Rd.
San Antonio, TX 78288-0026

Updates and Effective Date

Any material changes to the Privacy Statement will be posted on this website. These changes will not apply to disputes that arise prior to the effective date of the change. The effective date of this Privacy Statement is January 24, 2019.

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