Terms of Service

Acceptance of Terms

By accessing and using RetireGrader, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our site.

Educational Purpose Only

All content on RetireGrader is for educational and informational purposes only. RetireGrader is not a financial advisor, fiduciary, broker-dealer, or retirement plan administrator. We do not provide personalized investment advice, tax advice, or legal advice.

You should consult a qualified financial advisor, tax professional, or attorney before making any financial decisions based on information found on this site.

No Guarantees

While we strive for accuracy, we make no guarantees about the completeness, accuracy, or timeliness of information on this site. Retirement plan data comes from DOL Form 5500 filings, which may be 6 to 18 months behind current conditions. Economic data from FRED reflects the most recently available observations.

Calculator Disclaimer

Our calculators provide estimates based on the inputs you provide and simplified assumptions. Actual investment returns, tax situations, and retirement outcomes will vary significantly from calculator projections. Calculator inputs stay in your browser and are not stored or transmitted.

Affiliate Relationships

RetireGrader earns revenue through affiliate relationships with financial service providers. When you click an affiliate link (routed through /go/) and sign up for a service, we may receive a referral fee. This does not affect our editorial content, plan analysis, or data presentation.

Intellectual Property

Original content, design, and code on RetireGrader are protected by copyright. Government data (DOL, SSA, FRED) is in the public domain. You may not reproduce, distribute, or create derivative works from our original content without permission.

Limitation of Liability

RetireGrader and its operators shall not be liable for any damages arising from the use of this site, including but not limited to financial losses from decisions made based on information found here.

Changes to Terms

We may modify these terms at any time. Continued use of the site after changes constitutes acceptance of the updated terms.

Contact

Questions about these terms? Visit our contact page.