By subscribing to or visiting the TSP Pilot website, you are agreeing to abide by the following legal disclaimer:

Liability

TSP Pilot is published by TSP Pilot, LLC. TSP Pilot, LLC, is a private commercial advisory service and is not associated in any official way with the U.S. Federal government or the tsp.gov website, nor has it received any special endorsement from either the Thrift Savings Plan or the Thrift Savings Board. TSP Pilot, LLC is neither a registered Investment Advisor nor a Broker/Dealer. As a publisher of a financial newsletter of general circulation, we cannot tender individual investment advice. Subscribers are urged to consult with their own independent financial advisors with respect to any investment. All information contained in this report and website should be independently verified. TSP Pilot, LLC, principals may have their own TSP Plan accounts, but will not front-run recommendations. TSP Pilot, LLC, shall have no liability whatsoever for any claim, damages, loss or expense arising out of or in connection with the reliance by you on the contents of the TSP Pilot web site, any promotion or any advisory update.

All TSP Pilot documents and publications are prepared for informational and educational purposes only and are not solicitations, or offers to buy or sell any security. We also do not provide individual investment advice or managed accounts. Results and opinions are based on extensive back testing, historical research and data believed reliable, however, TSP Pilot, LLC, makes no warranty, express or implied, including the warranties of merchantability and fitness for a particular purpose, and assumes no legal liability or responsibility for the accuracy, completeness, timeliness, appropriateness or usefulness of any information, product, or process described or depicted in its documents and publication material. In addition, we undertake no obligation to update such opinions, analysis or information. Owners, employees and writers may have long or short positions in the securities that are discussed.

There is no guarantee that future investment results will be profitable. Since TSP Pilot does not manage actual money, performance results are therefore only hypothetical. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. Also, since the trades have not actually been executed, the results may have under- or over-compensated for the impact, if any, of certain market factors, such as any delay in the implementation of requested TSP Plan portfolio changes by the TSP Plan administrators. As a safety factor, all TSP Pilot portfolio performance metrics include the assumption of a two day delay from date of notice to the assumptive date of TSP Plan implementation. TSP Pilot, LLC, employees make no representations or guarantees and are not licensed brokers, analysts, or registered investment advisors.

Email Policy

TSP Pilot subscribers will be sent email alerts from a third party listserv when portfolio allocation changes are made and when market Commentaries are updated. However, because of the inherent unreliability of the email protocol itself, the blocking of third party sending servers and the performance of local POP email filters, TSP Pilot cannot and will not be held liable for the successful delivery of email alerts. Subscribers need to advise of any suspicion of blocked email so that a complaint can be filed with the particular listserv contractor for possible resolution. TSP Pilot will be glad to add one or more alternate email addresses to the alerts listserv for current subscribers. Send such requests to . TSP Pilot, LLC, suggests that subscribers visit the Current Advisory Page daily to assure staying abreast of changes in recommendations and market Commentary updates.

TSP Pilot, LLC, will send targeted email promotions only to those who are very likely to either have an account in, or have an abiding or vested interest in, the Federal Thrift Savings Plan. Such individuals will either be current or retired Federal civilian or military employees. It is not TSP Pilot's intention to send promotional email notices to broader audiences who have no level of participation or interest in the Federal TSP. TSP Pilot believes the information it provides to be of significant interest and value to this TSP target audience--a specific audience it has spent considerable time and effort to identify. However, to be removed from future TSP Pilot mailings simply send a blank email message to support@tsppilot.com. Please be sure to send from the email address you want removed. TSP Pilot will be more than glad to accommodate your request within 10 business days.

External Links

The TSP Pilot website contains links to other websites. These links include information developed, published, maintained, or otherwise posted by entities entirely separate from and unrelated to TSP Pilot, LLC. TSP Pilot does not sanction, approve, control, attest to the veracity of, or endorse materials on these external websites. It neither warranties nor assumes responsibility for the truthfulness, fullness, value, or timeliness, of content found at these sites. Use of any information obtained from these independent locations is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by TSP Pilot, LLC.

Privacy Notice

TSP Pilot has absolutely no interest in acquiring your personal TSP plan information or gaining access to your personal TSP account. That is entirely your private matter. TSP Pilot simply provides you with its current TSP fund allocation recommendations which you can then use to make recommended allocation updates yourself by visiting your own TSP Account site pages.

If you visit our site to read or download information, we collect and store only the following information about you: the name of the domain from which you access the Internet; the date and time you access our site; and the Internet address of the web site from which you linked directly to our site. We will not obtain personally identifying information about you when you visit our site, unless you voluntarily choose to provide such information to us. TSP Pilot, LLC, does not give, sell or transfer personal information to third parties, unless under subpoena.

For site management some limited information is collected for statistical purposes. Computer software programs are used to create summary statistics about visits to the TSP Pilot website which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.

Subscription Conditions and Policy

By providing your credit card information to TSP Pilot, LLC, you agree that the appropriate subscription charges will be billed to your credit card for the applicable pricing plan you have chosen. As a convenience to subscribers, to assure continuous service, and to control costs for everyone all TSP Pilot subscriptions are recurring. This is a common practice within the financial services industry. You need not take any action to continue your subscription. To cancel any recurring subscription just drop an email to the address at the bottom of every Pilot web page. The subscription period billing cycle begins on the service purchase date.

While TSP Pilot contracts out all payment operations to third party vendors such as PayPal and 2Checkout.com, most outsourced vendors will notify subscribers via email approximately seven days in advance of a recurring billing date. Such email notifications are the responsibility of the particular payment vendor. If you were just auto-renewed for another period and want to either extend or cancel that subscription just drop us an email to support@tsppilot.com.

Subscriptions should be cancelled before scheduled renewal dates to avoid incurring future recurring credit card charges by sending an email request to support@tsppilot.com in advance of the subscription renewal date. Be sure to include your Username and Password in the message when cancelling. PayPal subscribers may cancel via their PayPal accounts directly by logging into the appropriate PayPal account and effecting the cancellation.

New or renewed subscriptions of six months or longer offer a limited pro-rated money-back guarantee if cancellation is received by TSP Pilot within the first 30 days of the subscription. Monthly and quarterly subscriptions can be cancelled at any time but will not be provided refunds.

As soon as an online cancellation request is received, a subscriber's account will be immediately terminated and no subsequent charges will be made to the subscriber's credit card. When cancelling subscription in writing via U.S. mail, notice should be sent to the address at the bottom of this page.

If you wish to subscribe for a longer recurrent period you may re-subscribe for the longer chosen term whenever you wish. Just send a short message to support@tsppilot.com and ask us to cancel your prior subscription terms after signing up for your new period. TSP Pilot, LLC will adjust your account accordingly to assure continuous service.

TSP Pilot, LLC has a zero tolerance policy for fraudulent chargebacks. Anytime a chargeback considered fraudulent is received from our merchant bank or payment processor, TSP Pilot, LLC will reserve the right to immediately suspend your account until the chargeback request has been formally resolved between TSP Pilot, LLC and the merchant service authority. TSP Pilot, LLC reserves the right to cancel any subscription at time for any reason without financial consequence. Future subscriptions will not be honored from any subscriber previously creating a chargeback.

By subscribing or renewing a subscription, the subscriber acknowledges and has agreed to all of the above terms and conditions.

Subscriber Statement

Reproduction, distribution and transmission of any information obtained from the Service are strictly prohibited, except with TSP Pilot's prior written permission. Subscriber further agrees not to use or permit anyone to use the information provided through the Service for any unlawful or unauthorized purpose. Subscriber represents and warrants to TSP Pilot that all statements made by Subscriber in using TSP Pilot service are true, accurate and correct and that Subscriber has the authority to make such statements.

Subscriber shall pay TSP Pilot all fees incurred in accordance with TSP Pilot billing terms. TSP Pilot may, in its sole discretion, change the amount of the subscription fee upon renewal without prior notice to Subscriber. Customer agrees to pay all costs incurred by TSP Pilot in collecting overdue fees from the subscriber.

Copyright and Duplicates

All of the information on the TSP Pilot website and in TSP Pilot documents or publication materials is the express copyright of TSP Pilot, LLC, and may not be reproduced under any circumstances without the express prior written permission of TSP Pilot, LLC. Any unauthorized reproduction of the information on this web site, including but not limited to forwarding emails written by TSP Pilot and any sharing usernames and passwords, will constitute a breach of this copyright agreement, which will result in the immediate termination of that user's subscription with no refund provided. However, a specific non-current advisory, available on the website or via the autoresponder, selected at the option of TSP Pilot, LLC, may be forwarded or copied at will. Any direct violation of copyright law will be prosecuted by TSP Pilot, LLC, to the fullest extent of the law. TSP Pilot is a registered trademark.

Since, like most investment advisory services, TSP Pilot, LLC does not permit the sharing of advisory materials between subscribers and non-subscribers, many subscribers will choose to create one or more duplicate subscriptions under the same or similar name and/or email address for sharing with family members or fellow agency employees. The tracking of any such duplicates created is the responsibility of each individual subscriber. Unless TSP Pilot, LLC is notified in writing of the existence of an unwanted duplicate within the first 30 days of a subscription, any such duplicate will be assumed to be purposely created and will remain the financial responsibility of the subscriber.

TSP Pilot reserves the right to terminate subscriptions or modify these Disclaimer and Disclosure Notices for any reason whatsoever without prior notification and without financial consequence. This Agreement supersedes all other agreements and understandings regarding this subject matter and is governed by Michigan and United States law without regard to conflict of laws or provisions thereof.

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