Terms of Service

Last updated: May 21, 2026. By using Citizen Seniors, you agree to these terms.

1. Educational Purpose Only

All tools, calculators, and content on Citizen Seniors are provided for educational and informational purposes only. Nothing on this site constitutes legal, financial, medical, or insurance advice.

The results generated by our calculators are estimates based on publicly available rules and the information you provide. They may not account for your specific circumstances. Always verify important decisions with a qualified professional or an official government source (medicare.gov, ssa.gov, va.gov).

2. No Government Affiliation

Citizen Seniors is an independent website. We are not affiliated with, endorsed by, or connected to the U.S. government, Medicare.gov, the Social Security Administration, the Department of Veterans Affairs, or any state agency.

3. No Warranties

We make every effort to ensure the accuracy of our tools, but we provide this site "as is" without warranties of any kind. Medicare rules, Social Security rules, and VA benefit rules change over time. We cannot guarantee that every calculation reflects the most current regulations at the time you use the tool.

4. Limitation of Liability

Citizen Seniors and its operators shall not be liable for any financial, legal, medical, or other damages arising from your use of or reliance on any information, calculation, or tool provided on this site.

5. Third-Party Links

This site contains links to third-party websites, including insurance marketplaces and product retailers. We are not responsible for the content, privacy practices, or accuracy of any third-party site. Referral links may result in a commission paid to us at no additional cost to you. All referral partnerships are disclosed on the relevant pages.

6. Intellectual Property

All content, code, and design on this site is owned by Citizen Seniors unless otherwise noted. You may not reproduce, distribute, or create derivative works without written permission.

7. Changes to These Terms

We may update these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

8. Contact

Questions about these terms: [email protected]