Member Agreements
Ameriprise Financial Online Community

1.  Member Agreement/Terms and Conditions and Privacy Policy

You must agree to the following terms and conditions of use before you access or otherwise use or participate in the Ameriprise Financial Online Community (the “Online Community”). Your use of this web site (the “Web Site”) constitutes your agreement with Ameriprise Financial, Inc. (“Ameriprise Financial,” “we” and “us”) to be bound by, and to act in accordance with, these Terms and Conditions. You understand and agree that the Ameriprise Financial Online Community is operated so that Ameriprise Financial may conduct marketing research activities involving members of the Online Community (each a “Member”), including yourself. You understand that Communispace Corporation is a vendor of Ameriprise Financial for purposes of providing hosting services related to the Online Community.

Notification of Changes

We may change or revise these Terms and Conditions from time to time by updating this posting. Please visit the Terms and Conditions area each time you visit the Web Site to keep up to date with the current terms regarding your use of the Web Site. Your use of the Web Site reaffirms your continuing agreement to the then-current Terms and Conditions. Any future changes to these terms and conditions will be posted on the Web Site.


You may not disclose to others any of the information that we disclose to you or any ideas or information that are generated in the Online Community. Your Online Community member name and password are for your use only. You may not disclose your password to any other person or business. 

Assignment and Ownership of Intellectual Property

You irrevocably assign to Ameriprise Financial all rights in any ideas or expressions of ideas that you provide to the Web Site, which for purposes of this Agreement includes any functionality such as email or online chat functions that are made available through or integrated with the Web Site. You understand that all comments, suggestions, graphics, ideas (including product and advertising ideas), and other information or materials you submit to Ameriprise Financial through the Web Site will become and remain the exclusive property of Ameriprise Financial, including any future rights associated with such submissions, even if these Terms and Conditions are later modified or terminated by Ameriprise. This means that you disclaim any proprietary rights in such submission, and you acknowledge Ameriprise Financial’s unrestricted right to use them (or materials or ideas similar to them) in any medium, now and in the future, without notice, compensation or other obligation to you or any other person. It also means that with the exception of your personal information, Ameriprise Financial has no obligation to keep your submissions confidential. 

You further release and waive all claims against Ameriprise Financial with respect to any intellectual property or other proprietary rights, rights of privacy and publicity, rights of attribution, or any other liability under applicable laws. 


With the exception of information already known by Ameriprise Financial from a source other than the Online Community, any personal identifiable information you provide will only be used by Ameriprise Financial for purposes of operating the Online Community and in accordance with this Agreement.

Please note that by clicking on the "I Accept" button below, any of your personally identifiable information you submit may be directed to a third party site administered and hosted by a third party vendor retained by Ameriprise Financial provided, that in such event, the third party vendor will have no right to use any such information other than uses necessary to fulfill its services to Ameriprise Financial.

By clicking-accepting these Terms & Conditions, you agree that Ameriprise Financial may collect any personally identifiable information voluntarily provided by you on this Web Site.

When collecting sensitive personal information (e.g. ethnicity, education, etc.), we are doing so for the purposes of creating the Online Community. You will always retain the right not to answer any question regarding personal information with which you do not feel comfortable, without impacting your consideration for inclusion in the Online Community.

If you do not want your personally identifiable information collected, please do not submit it to us. If you have already submitted this information and would like us to remove it from our records, please contact the Online Community facilitator, Dana Traub, at If you want to correct any personally identifiable information that you already submitted, please contact the Online Community facilitator, Dana Traub, at

Membership in the Online Community is limited to residents of the United States. Personal information collected on the Web Site may be stored or processed in any country in which Ameriprise Financial or its subcontractors or agents maintain facilities. By using the Web Site, you consent to any transfer of information to or from any of those countries.  Ameriprise Financial will ensure that if your information is transferred it will be treated in accordance with applicable data protection laws.

Your personally identifiable information may also be used to help us track the way you use the Web Site. We may use cookies as part of the process of tracking how Members are using the Web Site, but the cookies do not collect any personally identifiable information. We may also combine the information you provide with information that we collect separately, including information you have provided to other organizations (with consent that it can be shared) as well as public information. All of this information will help us to better understand your needs and how we can improve our products and services. In order to do this, we may also share your information with companies who carry out work for us. These companies have agreed to only use your information in the way we tell them and to have procedures in place to protect the information.

If we share your information with another party, other than as set out above, we will contact you first and give you the opportunity to have your information removed from our database unless you have already given your consent to this.

Please note that by clicking on the "I Accept" button below, any of your personally identifiable information you submit may be directed to a third party site administered and hosted by a third party vendor retained by Ameriprise Financial provided, that in such event, the third party vendor will have no right to use any such information other than uses necessary to fulfill its services to Ameriprise Financial.

In accordance with applicable law, we will retain your personal information securely per the provisions above and we will retain your information for a reasonable period and not longer than allowed by the law.

Code of Conduct

You agree not to upload, post or transmit to or distribute or otherwise publish through the Web Site any materials which (i) restrict or inhibit any other user from using the Web Site, or contain a virus or other harmful component, (ii) violate any United States laws or violate or infringe any rights of third parties (including copyright, trademark, rights of privacy or publicity or any other proprietary right), or (iii) are inappropriate or not pertinent to the purpose of the Web Site or are libelous, defamatory or offensive. You will agree to abide by the copyrights, trademarks and other intellectual property and proprietary rights of Ameriprise Financial.

You agree to abide by these rules of conduct:

You agree to abide by these rules of conduct:

·         Only those who are Members of the Online Community may access it. You may not transfer your membership or authorization to access the Online Community to any other person or entity.

·         Unless specifically told otherwise by Ameriprise Financial or its authorized representatives, you must keep confidential all information that Ameriprise Financial, other Online Community Members or you share with the Online Community.

·         You agree not to repost, frame or redistribute any information or content provided through the Web Site.

·         Ameriprise Financial has the right to use the ideas and information that you put forth in the Web Site.

·         You agree not to use the Web Site to discuss, promote or endorse any specific securities, attempt to manipulate the securities markets or post any non-public or 'inside' information.

·         You agree not to use the Web Site to promote commercial ventures or interests.

·         You agree not to use behavior that does not support a safe and comfortable environment for all Members.

·         You agree to not post any of the following: material that is obscene or pornographic, material that advocates illegal activity, advertising or any form of commercial solicitation, or copyrighted material.

·         Ameriprise Financial reserves the right to remove any content from the Web Site for any reason or no reason.

·         You agree to not use the Web Site as a customer service channel for your particular issues.

·         You agree to receive emails from the Online Community regarding Community Activities.

·         You understand that no personal information that you post on the Web Site will be sold, traded, shared with other organizations, or used for any purpose other than as described in this Agreement.

·         Ameriprise Financial does not endorse the information posted in the Web Site.

Links to Third Party Sites

This Web Site may contain links to other web sites for informational purposes and are not intended to suggest any affiliation with Ameriprise Financial unless expressly stated. The reliability, availability and performance of these other web sites is beyond Ameriprise Financial’s control, and Ameriprise Financial makes no representations or warranties with respect to such web sites. Ameriprise Financial provides these links to you only as a convenience, and the inclusion of any link to such Web sites does not imply endorsement by Ameriprise Financial of those Web sites. Ameriprise Financial reserves the right to terminate any link or linking program at any time. You should be aware that other web sites may have confidentiality and privacy provisions that differ from the provisions provided herein. If you visit another web site, you are subject to the privacy provisions of that web site, and Ameriprise Financial is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

No Duty to Monitor

Ameriprise Financial is not responsible for content provided by others and is under no obligation to pre-screen content posted in the Web Site. Ameriprise Financial, however, retains the right to refuse to post, redact or delete any content for any reason whatsoever. Notwithstanding this right, Ameriprise Financial is not responsible for any failure or delay in removing material.

Compliance with DMCA

Communispace, Ameriprise’s internet service provider/vendor, complies with the provisions of the Digital Millennium Copyright Act (DMCA). The owner or the person entitled to enforce his or her rights under copyright law may notify Ameriprise Financial and its vendor, Communispace, of any violation of copyright on the site by sending a notice containing the following information:

·                    Identification of what is being infringed

·                    Contact information

·                    A statement of good faith belief that the material is infringing

·                    A statement made under threat of perjury that the information provided is accurate and the complaint is authorized by the copyright holder

Any notice of a potential or alleged copyright infringement must be sent to: 
Vice President and Group Counsel, Intellectual Property and Technology, Ameriprise General Counsel’s Office, 707 2nd Avenue, Minneapolis, MN 55474 with a copy to vendor at

Please note that this procedure is solely for notifying Ameriprise Financial that copyrighted material has been infringed. THIS POLICY IS INTENDED TO COMPLY FULLY WITH THE REQUIREMENTS OF THE ONLINE COPYRIGHT INFRINGEMENT LIABILITY LIMITATION ACT.


Your membership in and access to the Ameriprise Financial Online Community is strictly at the discretion of Ameriprise Financial and may be revoked at any time without cause and without notice. You hereby release Ameriprise Financial from any and all liability that may arise in connection with your participation in the Ameriprise Financial Online Community or use of the Web Site.


Ameriprise Financial does not represent or endorse the correctness, accuracy, reliability or any other aspect of advice, opinion, statement or other information distributed through the Ameriprise Financial Online Community, and reserves the right to remove any content from the Web Site for any reason or for no reason.

Ameriprise Financial, through its vendor, Communispace, maintains this Web Site and its operation, but is not, and cannot be, responsible for the results of any defects that may exist in the Web Site or its operation. As to the operation of the Web Site, Ameriprise Financial and its vendor, Communispace, expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to all implied warranties of merchantability or fitness for a particular purpose, title and non-infringement. Ameriprise Financial makes no warranty that (i) the operation of the Web Site will meet the user's requirements; (ii) access to the Web Site will be uninterrupted, timely, secure, free of viruses, worms, Trojan horses or other harmful components, or free of defects or errors; (iii) the results that may be obtained from the use of the Web Site will be accurate or reliable; or (iv) defects will be corrected. You (and not Ameriprise Financial) assume the entire cost of all servicing, repair, or correction that may be necessary for your computer equipment and software as a result of any viruses, errors or any other problems whatsoever you may have as a result of visiting this Web Site.

Limitation of Liability

Under no circumstances shall Ameriprise Financial, its subsidiaries, officers, directors, and/or representatives be liable for any damages or injury, including any direct, special, incidental, consequential, punitive or other damages, that may result from the use of, or the inability to use, the Web Site or any materials in this site, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of the Web Site or information available in the Web Site. Ameriprise Financial shall not be liable even if Ameriprise Financial or an Ameriprise Financial authorized representative has been advised of the possibility of such damages. These include but are not limited to damages or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, Trojan horse or other harmful component.

You agree to defend, indemnify and hold Ameriprise Financial harmless from any claim or demand made by any third party against Ameriprise Financial due or arising out of your participation in the Ameriprise Financial Online Community and/or any breach by you of the provisions of this agreement.


These Terms and Conditions and any disputes arising under or related to these Terms and Conditions (whether for breach of contract, tortious conduct or otherwise) will be governed by the laws of the State of Minnesota, without reference to its conflicts of law principles. You agree to submit to jurisdiction in Minnesota and further agree that any cause of action arising under this Agreement may be brought in a court in Hennepin County, Minnesota, and you hereby accept and submit to the personal jurisdiction of these courts with respect to any legal actions, suits or proceedings arising out of these Terms and Conditions. You also waive to the fullest extent permitted by law any right to a trial by jury in any action, suit or proceeding brought to enforce, defend or interpret any right or remedies under, or arising in connection with or relating to, these Terms and Conditions.

Whom to Contact

If you have submitted personally identifiable information through this Ameriprise Financial site or interactive advertisement or other communication, and would like that information deleted from our records, please contact Roberta Lantigua at