Terms of Service

By using VettedRetirement, you agree to these terms. Please read them carefully.

1. Educational Purpose Only

VettedRetirement provides educational content and tools for informational purposes only. Nothing on this site constitutes personalized financial advice, investment advice, tax advice, or legal advice.

Our calculators, assessments, and guides are designed to help you understand retirement planning concepts and estimate potential outcomes. They are not a substitute for professional financial advice tailored to your specific situation.

You should consult a qualified financial advisor, tax professional, or attorney before making significant financial decisions. VettedRetirement is not a registered investment advisor, broker-dealer, financial planner, or tax advisor.

2. No Guarantees of Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee that all content on this site is complete, current, or error-free. Social Security rules, Medicare regulations, tax laws, and other financial regulations change frequently. Dollar amounts, thresholds, and formulas referenced in our content reflect the most recent information available at the time of publication.

Our calculators and tools produce estimates based on the inputs you provide and the formulas we implement. Actual benefits, costs, and outcomes may differ due to factors not captured by our tools, including but not limited to: your complete earnings history, specific provisions of the Social Security Act, state-specific regulations, and individual tax circumstances.

3. Your Use of Our Tools

Our calculators and tools process all data in your web browser. We do not transmit, store, or have access to the financial information you enter into our tools. You are responsible for the accuracy of the information you input.

You may use our tools and content for personal, non-commercial purposes. You may not scrape, reproduce, or redistribute our content or tools without written permission.

4. Email Communications

If you provide your email address to download resources or subscribe to our newsletter, you consent to receiving email communications from VettedRetirement. You can unsubscribe at any time using the link provided in every email. See our Privacy Policy for details on how we handle your email address.

5. External Links

Our site may contain links to external websites (such as ssa.gov, medicare.gov, or other resources). We are not responsible for the content, accuracy, or privacy practices of external sites. These links are provided for convenience and do not imply endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, VettedRetirement and its founder, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, its content, or its tools.

This includes, without limitation, damages arising from: reliance on information provided on this site, errors or omissions in our content or calculations, decisions made based on our content or tools, or inability to access the site.

7. Intellectual Property

All content on VettedRetirement — including text, graphics, tools, calculators, and design — is the property of VettedRetirement and is protected by copyright. You may share links to our content and quote brief excerpts with attribution. You may not reproduce, republish, or redistribute substantial portions of our content without written permission.

8. Changes to These Terms

We may update these terms from time to time. Significant changes will be noted on this page with an updated date. Your continued use of the site after changes are posted constitutes acceptance of the updated terms.

9. Governing Law

These terms are governed by the laws of the State of New York, without regard to conflict of law principles.

10. Contact

Questions about these terms? Get in touch.