Terms of Service

1. Acceptance of Terms

By accessing or using federalretirement.net (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. They govern your relationship with Federal Retirement ("we," "us," or "our") with respect to your use of this Site.

2. Site Purpose & Informational Nature

Federalretirement.net is an independent informational resource designed to help federal employees and retirees understand their retirement benefits, annuity options, insurance programs, and related financial topics. The Site provides general educational content about programs administered by the U.S. Office of Personnel Management (OPM), including FERS, CSRS, FEGLI, FEHB, FEDVIP, FLTCIP, FSAFEDS, and the Thrift Savings Plan (TSP).

We are not affiliated with, endorsed by, or operated by the U.S. federal government, the Office of Personnel Management, the TSP Board, or any other government agency. This Site is independently owned and operated.

3. No Professional Advice Disclaimer

Federal retirement benefits are complex and depend on your specific employment history, years of service, retirement system, personal circumstances, and applicable law at the time of your retirement. The information on this Site may not reflect the most current OPM regulations, congressional amendments, or agency guidance.

Before making any decisions about your federal retirement benefits, we strongly encourage you to:

• Consult directly with your agency's Human Resources office or Benefits Specialist
• Contact OPM at 1-888-767-6738 or visit opm.gov
• Speak with a qualified financial planner or retirement benefits counselor
• Review official OPM publications and your agency's benefits handbook

We expressly disclaim any responsibility for decisions made in reliance on the information provided on this Site.

4. Permitted Use

You may use this Site for lawful, personal, non-commercial purposes. Specifically, you are permitted to:

• Browse and read content published on the Site
• Use any calculators or interactive tools for personal retirement planning reference
• Share links to pages on this Site
• Print or save content for your own personal, non-commercial reference

All other uses require our prior written consent.

5. Prohibited Conduct

You agree not to use the Site in any way that:

• Violates any applicable federal, state, or local law or regulation
• Infringes the intellectual property rights of Federal Retirement or any third party
• Involves scraping, crawling, or harvesting content from the Site in bulk without permission
• Attempts to gain unauthorized access to any portion of the Site or its underlying systems
• Transmits viruses, malware, or any other harmful or disruptive code
• Interferes with or disrupts the integrity or performance of the Site
• Impersonates any person or entity or misrepresents your affiliation with any person or entity
• Republishes, redistributes, or commercially exploits Site content without written permission

6. Intellectual Property

All original content on this Site — including but not limited to written articles, page layouts, graphics, logos, and editorial organization — is the property of Federal Retirement and is protected by applicable copyright and intellectual property laws.

You may not reproduce, republish, distribute, transmit, sell, or create derivative works from Site content without our express written permission. Short quotations with proper attribution and a link back to the source page are generally acceptable under fair use principles.

Content sourced from OPM, federal statutes, or other public domain government sources remains in the public domain. We make no claim of ownership over such content, though our editorial selection, organization, and presentation of that content may be protected.

7. Third-Party Links & Advertising

This Site contains links to third-party websites — including government agencies, benefits resources, and other informational sites — and displays advertising through Google AdSense. These are provided for your convenience and reference.

We do not control, endorse, or accept responsibility for any third-party websites, their content, their privacy practices, or any products or services offered by advertisers. A link to or advertisement from a third party does not constitute an endorsement by Federal Retirement.

Google AdSense may use cookies and similar technologies to serve ads based on your prior visits to this Site or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings.

8. Accuracy of Information

We make reasonable efforts to keep the information on this Site accurate, current, and complete. However, federal retirement laws, OPM regulations, benefit rates, and program rules change frequently. We cannot guarantee that all content is up to date at any given time.

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

If you notice outdated or inaccurate information, we welcome corrections — please contact us using the information in Section 13.

9. Limitation of Liability

To the fullest extent permitted by law, Federal Retirement, its owners, editors, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or inability to use the Site
• Any reliance on information obtained from the Site
• Errors, omissions, or inaccuracies in Site content
• Unauthorized access to or alteration of your transmissions or data
• Any third-party content or conduct on or linked from the Site

This limitation of liability applies regardless of whether the damages are based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to defend, indemnify, and hold harmless Federal Retirement and its owners, editors, contributors, and affiliates from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Changes are effective immediately upon posting.

Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Federal Retirement operates, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the applicable courts of that jurisdiction.

13. Contact Us

If you have questions or concerns about these Terms of Service, please contact us:

This website and its owner are not affiliated with the U.S. Office of Personnel Management (OPM) or any federal or military entity. Do not send official government forms or documents to this address.