Disclaimer for MyFedPension

1. General Information

MyFedPension (“we,” “us,” or “our”) is an application designed to estimate pension values and provide visual tools, such as graphs and sliders, for easier understanding. These estimates are tailored specifically for immediate annuity calculations under the Federal Employees Retirement System (FERS). This app focuses only on immediate annuity calculations. It does not cover other retirement types, such as early, disability, deferred, or phased retirement. By using this application, you acknowledge and agree to the terms outlined in this disclaimer.

Independent Application: MyFedPension is an independent tool created by an individual developer and is not affiliated with, endorsed by, or connected to any government agency or official organization.
Interpretation of Rules: This app interprets the general guidelines and principles related to FERS pensions to provide estimations and visualizations. It is not an official resource and should not be considered as such.
Calculation Methods: Any explanations of FERS pension calculations provided in the app are simplified interpretations of complex federal regulations. Users should refer to official OPM documentation for complete and authoritative information about pension calculation methods.

Informational Purpose Only: The information and calculations provided by MyFedPension are for general informational purposes only. They are not intended to replace professional financial, legal, or retirement advice.
Consult Professionals: Users are strongly encouraged to consult with qualified financial advisors, legal professionals, or their human resources representatives for personalized advice regarding their specific retirement planning and pension details.
Verification Required: Users approaching retirement eligibility should verify all calculations and eligibility determinations with their agency's human resources department. Retirement decisions should not be made solely based on this app's calculations.

Estimated Calculations: MyFedPension provides estimated pension values and eligibility dates based on the information entered. While the app strives for accurate estimates, we do not guarantee that these estimates reflect your actual pension benefits or eligibility status. Additionally, various factors not accounted for in this app may influence your actual pension outcomes.
Special Category Employment: While MyFedPension includes calculations for special category employees (such as law enforcement officers, firefighters, and air traffic controllers), these calculations are estimates only and may not reflect all specific circumstances or special provisions that might apply to individual cases.
No Warranty: We make no warranties or representations regarding the completeness, accuracy, reliability, or suitability of the app’s calculations for any purpose. All information is provided “as is” without warranty of any kind.

No Liability for Decisions: In no event shall MyFedPension, its developer, affiliates, or any related parties be liable for any loss or damage, including indirect or consequential loss or damage arising from the use of this app or reliance on its information.
User Responsibility: Users are responsible for verifying the accuracy of the information provided and for making their own informed decisions based on their individual circumstances.

Local Data Storage: MyFedPension stores all user data locally on your device. No personal or sensitive information entered into the app is transmitted to external servers or collected by us.
Third-Party Services: This app integrates Google AdMob to display non-personalized ads. Minimal data (such as IP address or general device information) may be processed by AdMob solely for the purpose of serving ads. This data is not used to track individual users or build personalized profiles.
User Responsibility: Users are responsible for securing their device and protecting any locally stored data.

Non-Personalized Ads: MyFedPension uses Google AdMob to display non-personalized ads. These ads are not targeted based on user activity and comply with regulations such as COPPA (Children’s Online Privacy Protection Act) and GDPR (General Data Protection Regulation).
Data Sharing for Ads: Minimal information may be processed by Google AdMob for ad delivery, including IP address and general device data. This information is used exclusively for serving non-personalized ads.

Ownership: All content, trademarks, logos, and intellectual property displayed in MyFedPension are the property of their respective owners.
Usage Rights: Users are granted a limited, non-exclusive, non-transferable license to use the app solely for its intended purpose. Unauthorized use of any materials may violate copyright, trademark, and other laws.

Right to Modify: We reserve the right to modify this disclaimer at any time without prior notice. Any changes will be effective immediately upon posting the revised disclaimer within the app.

Jurisdiction: This disclaimer and any disputes related to its use are governed by the laws of the State of California, without regard to its conflict of law provisions.

By Using the App: By accessing and using MyFedPension, you signify your acceptance of this disclaimer. If you do not agree to this disclaimer, please refrain from using our application.