Our goal is to provide substantive commentary for members to post their thoughts and opinions regarding USAA products, services, news and advice. By moderating submissions, we endeavor to create a space where members can exchange intelligent and informed commentary that enhances the quality of information on usaa.com.

Please review the usaa.com Site Terms, Privacy Promise and Online Information Practices regarding your use of this site.

While most comments, content and direct messages (collectively "Submissions") will be posted if they are on-topic and not abusive, moderating decisions are subjective. We will make them as carefully and consistently as we can using the proscribed guidelines below. Because of the volume of member Submissions, we cannot review individual moderation decisions with authors and generally will not alter a comment once it is posted, although comments may be modified to prevent inappropriate language or content.

Submissions which do not relate to the community in which they are posted may be removed. Submissions which contain personally identifiable information or specific inquiries related to a member's account will be removed and the author may be directed to a secure form for further discussion of the inquiry. Submissions will be periodically archived to ensure up to date content in the community.

We value thoughtful Submissions representing a range of views that make their point in a polite and constructive manner. We make an effort to protect discussions from repeated Submissions- either by the same author or different authors. Submissions may be modified to prevent inappropriate language or content, but otherwise will not be edited. All Submissions are subject to review and authors should not post or send personal information about themselves or others in this community, including but not limited to: comments, videos, images, and direct messages.

Submissions must comply with these Moderation Guidelines and the Site Terms; no Submission is permitted that:

1. (a) is defamatory, abusive, harassing, threatening, name calling, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise offensive; (c) is violent, vulgar, obscene, pornographic or otherwise sexually explicit; or (d) otherwise harms or can reasonably be expected to harm any person or entity;
2. is a violation of Operational Security, "OPSEC," rules applicable to military personnel;
3. is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing and/or drug abuse, harassment, theft, or conspiracy to commit any criminal activity;
4. infringes or violates any right of a third party including: (a) copyright, patent, trademark, trade secret or other proprietary or contractual rights; (b) right of privacy (specifically, you must not distribute another person's personal information of any kind without their express permission) or publicity; or (c) any confidentiality obligation;
5. is commercial, business-related or advertises or offers to sell any products, services or otherwise (whether or not for profit), or solicits others (including solicitations for contributions or donations);
6. contains a virus or other harmful component, or otherwise tampers with, impairs or damages usaa.com or any connected network, or otherwise interferes with any person or entity's use or enjoyment of usaa.com; or
7. is antisocial, disruptive, or destructive, including "flaming," "spamming," "flooding," “bumping”, "trolling," and "griefing" as those terms are commonly understood and used on the Internet;
8. contains personally identifiable information of any member or USAA employee. This includes, but is not limited to: names, telephone numbers, email addresses and employee numbers;
9. contains any discussion about threatened or current litigation against the company or USAA employee or is otherwise in violation of USAA's Information Security Policy;
10. mentions or discusses investment products, advice or services, specific securities or investments, or trading strategies from USAA.

We cannot and do not assure that other users are or will be complying with the foregoing Moderation Guidelines. As between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance. The USAA Online Agreement also applies to the USAA Community, in particular, sections related to Posting Comments.