Legal Notice and Disclaimer

Before you establish an account, you should clearly understand the limitations of my529’s obligations and support to you and your beneficiary.

Website usage

This website is provided solely for your convenience. By accessing and browsing this website, you expressly agree to be bound by the following terms and conditions without limitation or qualification. Access to and use of this website may be prohibited in certain jurisdictions. If you access this website, you do so at your own risk, and you are responsible for complying with the applicable laws of your jurisdiction.

This website and the information, products, and processes to which it refers are intended to be used only by residents of the United States. The information contained on this website is for informational purposes only and shall not constitute or be considered as a solicitation or an offer to buy or sell any securities or other financial instruments.


my529 is a 529 college savings plan sponsored by the State of Utah. Although money contributed to my529 may be invested in portfolios that invest in underlying mutual funds, my529 is not itself a mutual fund. The State of Utah has created a trust specifically for the purpose of offering 529 college savings plans, including my529.


The value of your my529 account may vary depending on market conditions and the performance of the investment option you select. It could be more or less than the amount you contribute. Your investment could lose value. Past performance is no guarantee of future returns. You assume all investment risks, including potential for loss of principal as well as responsibility for any federal and/or state tax consequences. Accounts are opened based on representations by you and with your express agreement to the Terms and Conditions of the my529 Account Agreement. Information on this website does not supersede the information in the Program Description and the actual written contracts and agreements that establish my529 accounts.


Except for the FDIC-Insured investment option, and the FDIC-insured underlying investments, investments in my529 are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC). The FDIC-Insured investment option, and the FDIC-insured accounts, are held in trust by my529 at Sallie Mae Bank and U.S. Bank (collectively Banks). Contributions to and earnings on the FDIC-insured accounts are allocated between the Banks according to the following percentages: Sallie Mae Bank (90 percent) and U.S. Bank (10 percent).

Subject to the rules and regulations of the Banks and the FDIC to each account owner, money in the FDIC-insured accounts will retain its value, whether in the FDIC-Insured investment option or when allocated to another investment option that has FDIC-insured accounts included as an underlying investment. Money in the FDIC-insured accounts is insured by the FDIC on a pass-through basis to each account owner up to the maximum amount set by federal law, which is $250,000 at each Bank. The amount of FDIC insurance provided to an account owner is based on the total of (1) the value of an account owner’s investment in the FDIC-insured accounts at each Bank, plus (2) the value of other accounts owned by the account owner (if any) and held at each Bank, as determined by the Banks and by FDIC regulations.

Non-Utah taxpayers and residents

The state in which you or your beneficiary pays taxes or lives may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not otherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529.

Representations and warranties

All data and information contained in this website and any linked websites are provided “AS IS” without any express or implied representations or warranties of any nature. Without limiting the generality of the foregoing, my529 hereby disclaims all warranties or noninfringement, completeness, merchantability, accuracy, and fitness for a particular use or purpose with respect to the data and information contained on this website and any linked websites and the products or processes to which the information refers. You are solely responsible for determining, prior to use, whether the information contained on this website and any linked websites and the products or processes to which the information refers are suitable for your purpose. Under no circumstances shall my529 be liable for any damages of any nature whatsoever resulting from the use of this website and any linked websites, or reliance upon any data or information contained therein or any defect, error, omission, insufficiency, or deficiency in such data or information and/or the products or processes to which it refers. Furthermore, my529 shall not be liable for any performance, failure of performance, delays in communications, computer viruses, or the like obtained from this website, regardless of the purposes. In no event shall my529 be liable for any damages to computer equipment or other property that results from accessing, using, or browsing this website and any linked websites or downloading any materials, data, text, images, video, audio, or the like from this website and any linked websites.

Applicable copyright laws protect the contents of this website. Nothing contained in this website and any linked websites should be construed by implication, estoppel, or otherwise as a license under any intellectual property right of any entity, or as a suggestion, recommendation, or authorization to take any action that would infringe any patent or other intellectual property right. my529 makes no representations or warranties, express or implied, that the use of any information contained in this website and any linked websites will not infringe any patent or other intellectual property right. my529, and third parties granting rights to my529, hold all rights, titles, and interest in and to the materials on this website. No intellectual property rights in and to the information and materials on this website are transferred to visitors of this website. The trademarks, logos, and service marks displayed on this website are owned by my529 or a third party, and may be registered in one or more, but not necessarily all, countries.

Usage of site

You may use and display the materials on this website only on your personal computer and only for purposes associated with your interaction with this website. Except as stated herein, you may not copy, download, display, perform, reproduce, distribute, modify, edit, alter, or enhance any of the materials on this website in any manner. You agree not to “frame” or “mirror” this website and any materials contained on it or accessible from it without the advanced written authorization of my529. The information provided on this website is not intended for distribution to, or use by, any person in any jurisdiction where such use or distribution would be unlawful under the securities laws or regulations of such jurisdiction.

The appearance of any links on this website does not constitute an endorsement by my529 of the linked website, any link contained on the linked website, or information, products, or services contained therein. my529 does not exercise any editorial control over the content of linked websites, and is not responsible for such content or the links displayed on such websites. Links are provided for convenience only.

Any information that you transmit via this website and any linked website by electronic mail or otherwise, including, without limitation, any ideas, concepts, know-how, techniques, data, questions, comments, suggestions, your IP address, name, address, or the like will be considered nonconfidential and may be used by the receiving party for any purpose.

Any action related to the use of this website, any linked website, or the information contained therein shall be governed by the laws of the State of Utah, USA, without regard to the choice of law provisions, and you agree to submit to the jurisdiction of the courts located in the State of Utah for the resolution of all such disputes. The foregoing provisions are severable. If any provision is held to be invalid or unenforceable, the remaining provisions share continue in full force and effect.