Terms of Service
Introduction
By accessing and using Civic Serve Finance, you agree to these Terms of Service. If you do not agree, please do not use this website.
Not Financial Advice
Civic Serve Finance is not a financial advisor, broker-dealer, investment advisor, or fiduciary. The calculator and all content provided are strictly illustrative and for informational purposes only. Nothing on this site constitutes financial, investment, legal, tax, or retirement planning advice. Always consult with a qualified financial professional before making retirement or investment decisions.
No Fiduciary Relationship
Using this site does not create any fiduciary relationship, advisory relationship, or professional-client relationship between you and Civic Serve Finance, its operators, agents, or affiliates. Any "review" or follow-up communication is informational and does not constitute personalized financial advice.
Use of the Calculator
The calculator provides illustrative estimates only based on simplified assumptions and user-supplied inputs. It is not an official determination of benefits from any teacher retirement system, public pension fund, or government agency. Results are estimates, not guarantees.
No Guarantee of Outcomes
We make no representations or warranties that using this calculator or service will result in increased retirement benefits, reduced tax liability, or any specific financial outcome. Past performance of strategies discussed is not indicative of future results.
Verify With Your Retirement System
All official benefit determinations must come from your specific teacher retirement system or public pension fund. Users are responsible for verifying all information with their official retirement system administrator.
Accuracy of Information
Results depend entirely on user-supplied inputs and simplified mathematical assumptions (including tax rates, inflation rates, and income replacement benchmarks). We do not guarantee accuracy for individual circumstances.
Professional Advice Recommended
We strongly recommend consulting with a qualified financial advisor, tax professional, and your official retirement system before making any retirement-related decisions.
Intellectual Property
All content, branding, calculator logic, and methodologies are owned by Civic Serve Finance. You may not copy, reproduce, or redistribute any content without express written permission.
Limitation of Liability
The service is provided "AS IS" without warranties of any kind, express or implied. To the maximum extent permitted by law, Civic Serve Finance is not liable for any financial losses, missed opportunities, or decisions made based on calculator results or communications with our team.
User Conduct
Users may not abuse the service, submit spam, attempt to reverse-engineer the calculator, or use the service for any unlawful purpose.
Termination
We reserve the right to suspend or terminate access to the service for violations of these terms or for any other reason at our sole discretion.
Governing Law
These terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles.
Changes to Terms
We may update these Terms of Service at any time. Continued use of the site after changes constitutes acceptance of the updated terms.
Contact Us
For questions about these Terms of Service, please contact us through the review form on our website or through the admin portal.
Effective Date
These Terms of Service are effective as of April 2026.