Terms of Service

By accessing or using RetireCiv (the “Service”), you agree to be bound by these Terms of Service. If you do not agree to all of these terms, you may not use the Service.

These terms apply to all visitors, users, and others who access or use RetireCiv, including its retirement calculator, readiness scoring, and action plan features.

RetireCiv is a web-based retirement planning calculator designed specifically for federal employees covered under the Federal Employees Retirement System (FERS) and Civil Service Retirement System (CSRS).

The Service provides:

• Estimates of FERS and CSRS pension annuity benefits
• Thrift Savings Plan (TSP) projections and contribution analysis
• Social Security benefit estimates for federal employees
• A Readiness Score assessing retirement preparedness
• A personalized Action Plan with prioritized recommendations
• Scenario comparison and what-if analysis tools

RetireCiv is intended for personal, non-commercial use by current and former federal employees, their spouses, and financial advisors assisting federal clients.

You agree not to:

• Reproduce, distribute, or resell outputs of the Service for commercial purposes
• Reverse engineer, scrape, or systematically extract data from the Service
• Use the Service to provide financial planning services to others without appropriate licensure
• Circumvent, disable, or otherwise interfere with security features of the Service
• Transmit malicious code, viruses, or disruptive data to the Service

Retirement-planning inputs you enter (salary, service history, TSP balance, expenses, etc.) are stored locally in your browser's storage — they never leave your device. Account credentials, if you create one to access Pro features, are managed by Supabase; billing data is handled by Stripe. We never see or store your raw retirement data.

For full details on how we handle data, please review our Privacy Policy.

All calculations are based on publicly available OPM, SSA, and TSP formulas as of the date of last update. Your actual benefits will be determined by the Office of Personnel Management (OPM) and may differ from estimates based on:

• Your specific service history, pay records, and employment agency
• Interim regulatory changes or legislative updates
• Errors or omissions in data you enter
• Special circumstances not covered by standard FERS/CSRS rules (e.g., dual compensation, reemployed annuitants)

Always consult your agency HR office, OPM, or a licensed financial professional before making retirement decisions.

To the maximum extent permitted by applicable law, RetireCiv and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of income or retirement benefits resulting from reliance on Service estimates
• Errors in calculations due to regulatory changes or data entry mistakes
• Interruptions, bugs, or downtime affecting your use of the Service
• Unauthorized access to locally stored browser data

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. Your use of the Service is at your sole risk.

We reserve the right to modify these Terms of Service at any time. When changes are made, the “Last Updated” date at the top of this page will be revised.

Continued use of the Service after changes are posted constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

Material changes — such as those affecting data handling, paid plan billing, or your legal rights — will be communicated through a notice on the Service at least 14 days before taking effect.

If you have questions about these Terms of Service, please contact us: