Terms of Service

Last updated: January 15, 2026

1. Acceptance of Terms

By accessing and using 62or70 ("Service"), you accept and agree to be bound by the terms and provisions of this agreement.

2. Description of Service

The Service provides Social Security benefit estimation and optimization tools for educational and planning purposes. The calculations and recommendations provided are estimates only and should not be considered financial, legal, or tax advice.

3. Disclaimer

The Service is provided "as is" without warranties of any kind. We do not guarantee the accuracy of benefit calculations. Actual Social Security benefits are determined solely by the Social Security Administration. Always verify important decisions with the SSA directly or consult a qualified financial advisor.

4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate information when creating an account.

5. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.

6. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes by posting a notice on the Service. Continued use after changes constitutes acceptance of the new terms.

7. Contact

If you have questions about these Terms, please contact us through our Contact page.