Terms of Use

Using this site

By using this site, you agree to these terms. If you do not agree, please stop using it. This site is intended for adults seeking general information about public employee retirement planning.

Educational information

Content on this site is for general educational purposes. It is not individualized financial, investment, tax, legal, or benefits advice. We do not determine your eligibility or benefits. Your employer, retirement system, and official plan documents control the rules and amounts that apply to you. Check important decisions with those sources and qualified professionals.

No government affiliation or client relationship

PensionRetirement.org is not a government agency or retirement system. Visiting this site, reading its content, or checking a box on the review checklist does not create an advisory, fiduciary, professional, or client relationship. Any separate review service may have its own terms, disclosures, and agreements.

Review forms and other links

The teacher review page embeds a form provided by LeadDistro. Submitting it is subject to the notices and consents shown with that form. This site also links to review pages on gov.pensionretirement.org and fed.pensionretirement.org, as well as official information sources. Linked destinations may collect information under their own terms and privacy notices. We are not responsible for the accuracy, availability, or practices of external government resources.

Accuracy and availability

Benefit programs and rules can change, and general examples may not fit your situation. We aim to keep content useful but do not promise that it is complete, current, or error free. We may update, suspend, or remove content at any time.

Acceptable use and content rights

Use the site lawfully. Do not interfere with its operation or attempt unauthorized access. Site content may be protected by copyright and other laws. You may use it for personal, noncommercial planning. Please seek permission before reproducing or republishing it.

Disclaimers and limits

To the extent permitted by law, the site is provided as available without warranties of any kind. To the extent permitted by law, the site operator is not responsible for losses arising from reliance on general site content, site unavailability, or third party websites. Nothing here limits rights that cannot legally be limited.

Privacy and changes

Our Privacy Policy explains how this main site handles information. We may revise these terms by posting an updated version and date here.