Terms of Service

What this site is

Warrior Retirement is an independent online publication providing strategy, analysis, and reference content about federal retirement, military retirement, and related financial topics. By using this site, you agree to the terms on this page.

Not financial, tax, or legal advice

Everything on Warrior Retirement is educational and informational. Nothing on this site is financial advice, tax advice, legal advice, or investment advice. The content does not account for your specific circumstances, goals, risk tolerance, jurisdiction, or eligibility.

Before making any retirement, tax, investment, or benefit decision, you should consult with a qualified, fiduciary financial advisor, a licensed tax professional, an attorney, or the relevant government agency (OPM, IRS, SSA, VA, DFAS).

Accuracy and timeliness

We make reasonable efforts to ensure content is accurate at the time of publication. Federal benefit rules change frequently. Numbers (contribution limits, COLAs, tax brackets, eligibility thresholds) are time-sensitive and may be outdated by the time you read them. Always verify current rules with the relevant agency before acting.

We are not liable for errors, omissions, or outdated information. If you spot something incorrect, contact us via the Contact page and we will correct it.

Use of the calculators and tools

The retirement calculators on this site are educational tools. They use simplifying assumptions about market returns, inflation, taxes, and Social Security mechanics. Real-world results will differ.

Calculator outputs are projections, not predictions. Do not make retirement decisions based solely on calculator results. Always validate with a qualified financial advisor before making consequential decisions.

External links

This site links to external websites and resources. We do not control those sites and are not responsible for their content, accuracy, availability, or privacy practices. A link from our site is not an endorsement.

Intellectual property

All content on this site (articles, guides, calculator code, images, design, layout) is the intellectual property of Warrior Retirement unless otherwise noted. You may quote short excerpts with attribution. You may not republish entire articles, copy substantial portions of content, redistribute our materials, or use our content for commercial purposes without written permission.

User conduct

When using this site, you agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the site
• Interfere with or disrupt the site's operation
• Scrape, harvest, or extract content using automated tools without permission
• Misrepresent your identity or affiliation

Limitation of liability

To the maximum extent permitted by law, Warrior Retirement, its operators, and contributors are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site or reliance on its content.

You use this site at your own risk. If you make a financial, tax, or benefit decision based on something you read here and it does not work out as expected, that is your responsibility, not ours.

Indemnification

You agree to indemnify and hold harmless Warrior Retirement, its operators, and contributors from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the site, your violation of these terms, or your violation of any rights of any third party.

Governing law

These terms are governed by the laws of the Commonwealth of Virginia, United States, without regard to its conflict of law provisions. Any dispute arising from these terms or your use of the site shall be resolved in the courts of Virginia.

Changes to these terms

We may update these terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms: Contact page.