Terms of Service

Acceptance of these terms

By accessing or using FedAnnuity (fedannuity.com), you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

Use of the site

FedAnnuity provides free calculators and reference material about federal retirement benefits, for informational purposes only.

Every figure this site produces is an unofficial estimate computed from the values you enter, using formulas published by the U.S. Office of Personnel Management and the statutes they restate. It is not an official determination of your benefit. Only OPM can compute your actual annuity, and it will do so from your certified service history rather than from anything typed here. Each calculator states the rules it applies and the rules it deliberately does not model; read that section before relying on a number.

Nothing on this site is financial, tax, legal, or retirement advice, and using it creates no advisory relationship of any kind. It is not a substitute for guidance from a licensed professional, from your agency's benefits officer, or from OPM. Decisions about when to retire, what to elect, or what to buy back should be made with someone who can see your actual record.

FedAnnuity is not affiliated with, endorsed by, or connected to the U.S. Office of Personnel Management or any agency of the U.S. government. References to OPM publications are citations to public documents, nothing more.

No warranty

The content on FedAnnuity is provided "as is" without warranty of any kind, express or implied. We do not warrant that the site is error-free, that outputs are accurate for every input, or that the site will be uninterrupted or available at all times. Your use of the site is at your own risk.

To the fullest extent permitted by law, FedAnnuity and its operators disclaim all liability for any damages — direct, indirect, incidental, or consequential — arising from your use of, or inability to use, the site.

Intellectual property

The content, design, and code of FedAnnuity are owned by FedAnnuity and its operators, except where credited to an original source. You may use the site freely for personal, non-commercial purposes. You may not reproduce or republish FedAnnuity content without permission.

Updates to this site and these terms

We may update the site over time. We may also update these Terms of Service. Continued use of the site after a change to these terms constitutes acceptance of the updated terms. The "last updated" date at the top of this page reflects the most recent revision.

Governing law

These terms are governed by the laws of the State of Wisconsin, United States, without regard to conflict-of-law provisions.

Contact

Questions about these terms: hello@fedannuity.com.