Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website located at federalretirementcentral.com (the "Site"), operated by Federal Retirement Central ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not use the Site.

2. Informational Purposes Only — Not Professional Advice

All content on Federal Retirement Central — including articles, guides, blog posts, calculator results, and any other materials — is provided for general informational and educational purposes only. The information is not intended to be a substitute for professional financial, legal, investment, or tax advice.

Specifically:

• Nothing on this Site constitutes financial advice, investment advice, or a recommendation to buy or sell any financial product or security.
• Nothing on this Site constitutes legal advice. Retirement eligibility rules, benefit calculations, and plan terms change and may vary based on individual circumstances.
• Calculator results are estimates only and should not be relied upon as exact figures. Actual retirement benefits are determined by your employing agency, the Office of Personnel Management (OPM), the Department of Defense (DoD), and other relevant authorities.
• We are not affiliated with OPM, the TSP, DoD, the U.S. military, or any government agency.

You should consult with a qualified financial advisor, benefits specialist, JAG officer, or other licensed professional before making any retirement planning decisions.

3. Affiliate Link Disclosure (FTC Compliance)

Federal Retirement Central participates in affiliate marketing programs. In accordance with the Federal Trade Commission's (FTC) 16 CFR Part 255 guidelines, we disclose the following:

Some links on this Site are "affiliate links." This means that if you click on a link and subsequently make a purchase or sign up for a service, we may receive a commission or other compensation from the linked company at no additional cost to you.

Current affiliate relationships may include, but are not limited to:

• Financial planning software and tools
• Insurance providers
• Book retailers (Amazon Associates)
• Online education platforms

Affiliate relationships do not influence our editorial content, recommendations, or reviews. We only link to products and services we believe may be genuinely useful to federal employees and military members planning for retirement.

4. Advertising

The Site displays third-party advertisements through Google AdSense and potentially other advertising networks. Advertisements are clearly labeled. We do not endorse the products or services advertised. Advertisers have no influence over our editorial content.

5. Accuracy of Information

We strive to provide accurate, current information. However, federal retirement law, OPM regulations, TSP rules, military pay tables, and related policies change frequently. We make no representations or warranties regarding the accuracy, completeness, timeliness, or suitability of any information on the Site.

Always verify information with official government sources, including:

• Office of Personnel Management (opm.gov)
• Thrift Savings Plan (tsp.gov)
• Defense Finance and Accounting Service (dfas.mil)
• Your human resources or benefits office

6. Intellectual Property

All content on the Site — including text, graphics, logos, icons, images, audio clips, and software — is the property of Federal Retirement Central or its content suppliers and is protected by United States and international copyright law.

You may print or download a reasonable number of pages for personal, non-commercial use only. You may not reproduce, distribute, publish, transmit, modify, or create derivative works from Site content without our prior written permission, except as permitted by the fair use doctrine.

7. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Use automated tools, scrapers, or bots to extract content from the Site without our permission
• Attempt to circumvent security measures or access restricted areas of the Site
• Submit false or misleading information via contact forms
• Use the Site to transmit viruses, malware, or other harmful code
• Reproduce, republish, or redistribute Site content commercially without permission

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FEDERAL RETIREMENT CENTRAL AND ITS OWNER(S), OPERATORS, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, RETIREMENT PLANNING DECISIONS MADE IN RELIANCE ON SITE CONTENT, OR ANY OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00).

10. Indemnification

You agree to defend, indemnify, and hold harmless Federal Retirement Central and its owners, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any third-party rights.

11. Third-Party Links

The Site contains links to third-party websites, including official government websites, financial institutions, and other resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

12. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida. By using the Site, you consent to the personal jurisdiction of such courts.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

14. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Federal Retirement Central regarding your use of the Site and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

16. Contact

Questions about these Terms? Contact us: