Terms and Conditions

These Terms and Conditions (“Terms”) govern your use of the Benefit Reviews website (“we,” “us,” or “our”). By accessing or using this website, or by accepting these Terms where a specific resource asks you to, you agree to be bound by them. If you do not agree, please do not use the website.

Benefit Reviews is a private educational organization. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Government, OPM, DFAS, SSA, or any government agency.

All content on this website, including articles, guides, and calculators, is provided for general educational purposes only. It is not financial, legal, tax, benefits, or investment advice, and it is not an official eligibility or benefit determination. Calculator outputs are simplified estimates that depend entirely on the figures you enter and general assumptions; your actual benefits depend on your official records, plan rules, and the responsible agency. Before acting on anything you read here, consult your HR office and an appropriately qualified, independent, licensed professional.

Our calculators apply fixed, published formulas and general assumptions to the figures you enter; they run entirely in your browser. We make good-faith efforts to keep these formulas current with published rules, but we do not warrant that any calculator output is accurate, complete, or current, and outputs are estimates only — never guarantees of any benefit, eligibility, deposit amount, or outcome. Outputs depend entirely on the accuracy of the information you provide; incorrect or incomplete entries will produce an incorrect estimate.

Our software, like much of this website, is developed with the assistance of AI tools. No artificial intelligence generates, modifies, or influences your individual calculator result — every result is produced by the same fixed formula for every user who enters the same figures.

Before relying on any calculator output, verify it against your official records and consult your HR office or an appropriately qualified, independent, licensed professional.

Certain resources on this website, including our educational calculators, are made available through sponsored access arrangements with separate companies. Access to a sponsored resource may require you to provide a valid email address and affirmatively accept sponsored-resource terms presented before use. Those terms authorize us to share the email address you provide, together with profile information we may have previously collected from you (such as your name, email address, and phone number), with the resource's sponsor. The sponsor's identity, the purpose of sharing, the covered data categories, your opt-out choices, and your privacy-request rights are described in our Privacy Policy. Newsletter enrollment is always a separate, optional choice and is never required to access a sponsored resource. You may decline sponsored-resource terms at any time; the sponsored resource simply remains locked, and the rest of the website stays available to you.

You agree to use the website only for lawful, personal, non-commercial purposes. You may not attempt to interfere with the website's operation, circumvent access controls, submit false or misleading information, or use automated means to scrape or harvest content or data.

The website's content, design, and branding are owned by Benefit Reviews or its licensors and are protected by applicable intellectual-property laws. You may view and print content for personal, non-commercial use; any other reproduction or distribution requires our prior written permission.

The website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by law, Benefit Reviews will not be liable for any indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the website or its content. Nothing in these Terms limits rights you have under applicable law that cannot be limited by agreement.

The website may link to third-party sites, including government resources. We are not responsible for their content or practices; links are provided for convenience and education only.

We may update these Terms periodically. Material changes will be posted on this page with an updated Effective Date. Where a resource requires acceptance of these Terms, a material change may require you to accept the updated Terms before continued access.

Questions about these Terms may be sent to info@benefitreviews.com or by mail to Benefit Reviews, Attn: Privacy Officer, 425 Austin Ave #2108, Waco, TX 76701.