Terms of Service
Legal terms and conditions governing your use of the Massachusetts Retirement System planning application.
Important Disclaimer
This application provides estimates for informational purposes only and does not constitute official benefit calculations.
For official retirement benefit estimates and authoritative information, contact your local retirement board or visit the official Massachusetts State Retirement Board website for authoritative guidance.
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Acceptance of Terms
By accessing and using the Massachusetts Retirement System planning application ("Service"), you accept and agree to be bound by the terms and provision of this agreement.
Agreement Scope
- • These terms apply to all users of the application
- • Continued use constitutes acceptance of any updates to these terms
- • If you disagree with any part of these terms, you must discontinue use
- • Additional terms may apply to specific features or services
Calculator Disclaimers
Estimates Only
All calculations provided are estimates based on current laws, regulations, and the information you provide. Actual benefits may differ due to legislative changes, calculation errors, or incomplete information.
Pension Calculator Limitations
- Based on current Massachusetts retirement laws (Chapter 32)
- Does not account for all possible benefit adjustments
- May not reflect recent legislative changes
- Assumes continuous employment and salary progression
Social Security Limitations
- Based on current Social Security Administration formulas
- Subject to Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)
- May not reflect future changes to Social Security laws
- Requires accurate earnings history for precision
User Responsibilities
Information Accuracy
- Provide accurate and complete information
- Update information when circumstances change
- Verify calculations with official sources
- Understand limitations of estimates provided
Account Security
- Maintain confidentiality of your account credentials
- Report unauthorized access immediately
- Use secure networks when accessing the application
- Log out when using shared or public computers
Accuracy Limitations
No Guarantee of Accuracy
While we strive for accuracy, we cannot guarantee that all calculations, information, or data provided through this application are error-free, complete, or current.
Factors Affecting Accuracy
- Changes in federal or state retirement laws
- Updates to COLA rates and benefit formulas
- Individual employment history variations
- Technical errors or system limitations
User Verification Required
- Always verify estimates with official sources
- Consult with retirement counselors for major decisions
- Review official benefit statements regularly
- Report discrepancies to appropriate authorities
Prohibited Uses
You agree not to use this application for any unlawful purpose or in any way that could damage, disable, or impair the service.
Prohibited Activities
- Providing false or misleading information
- Attempting to gain unauthorized access
- Interfering with application security features
- Using automated tools to access the service
Commercial Restrictions
- No commercial use without written permission
- No redistribution of calculations or data
- No reverse engineering or copying
- No creation of derivative works
Liability Limitations
Disclaimer of Warranties
This application is provided "as is" without warranties of any kind, either express or implied.
Limitation of Liability
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of this application.
Maximum Liability
Our total liability shall not exceed the amount you paid for using this service (if any) in the 12 months preceding the claim.
Terms Modifications
Right to Modify
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting.
Notification of Changes
Significant changes will be communicated through the application or via email to registered users.
Continued Use
Your continued use of the application after changes constitutes acceptance of the new terms.
Review these terms periodically to stay informed of any updates.
Contact Information
Questions about these Terms of Service? Contact us:
Legal Department
Email: legal@retirementplanner.app
Response Time: 10 business days
Available: Monday-Friday, 9:00 AM - 5:00 PM EST
Official Retirement Information
For official retirement information, please contact:
Your local retirement board
Massachusetts State Retirement Board (official)
This application is not affiliated with official state agencies