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Terms of Service

Effective Date: February 1, 2026

1. Acceptance of Terms

By accessing or using FedPath ("the Service"), operated at fedpath.app, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

We reserve the right to update these Terms at any time. We will notify you of material changes by posting the updated Terms on this page. Your continued use after changes constitutes acceptance.

2. Description of Service

FedPath is an educational financial planning platform designed for federal civilian employees (FERS) and military members (BRS). The Service provides:

  • Retirement income projection calculators (pension, Social Security, TSP)
  • Interactive scenario modeling ("what-if" analysis)
  • TSP fund performance dashboard with historical data
  • Withdrawal planning tools with tax-aware strategy comparison
  • AI-powered educational assistant for federal benefits questions
  • A knowledge base of articles about federal retirement

Important: FedPath is an educational tool, not a financial advisor.

All projections are estimates based on the assumptions you provide and publicly available federal benefits rules. Nothing in this Service constitutes financial, tax, investment, or legal advice. Consult a qualified professional before making financial decisions.

3. Account Responsibilities

To use most features, you must create an account. You agree to:

  • Provide accurate information during registration and when entering your financial data
  • Keep your login credentials secure and not share your account
  • Notify us promptly if you suspect unauthorized access to your account
  • Accept responsibility for all activity under your account

You are responsible for the accuracy of the data you enter. The quality of your projections depends on the accuracy of your inputs.

4. Subscription & Billing

Free Preview

Certain features, including the TSP fund performance dashboard, are available without a subscription or credit card.

Premium Tier

Premium features including monthly TSP allocation signals, signal analysis, and signal archive are available at $29 per month or $290 per year (save $58). New subscribers receive a 30-day free trial with full access to all features. A credit card is required to start the free trial.

Billing

Payments are processed by Stripe. Subscriptions renew automatically at the end of each billing period (monthly or annual). You can cancel your subscription at any time from your Settings page or through the Stripe Customer Portal. After cancellation, you retain access until the end of your current billing period.

Refund Policy

We do not offer refunds for partial billing periods. If you cancel, your subscription remains active until the end of the current billing cycle. If you believe you were charged in error, contact support@fedpath.app and we will review your case.

5. Intellectual Property

Our content: The Service, including its design, code, calculators, algorithms, articles, and educational content, is owned by FedPath and protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without our written permission.

Your data: You retain ownership of all personal data you enter into the Service. We do not claim any ownership rights over your data. You may export or delete your data at any time.

6. Disclaimers

NOT a Financial Advisor

FedPath is an educational tool, not a registered investment adviser, broker-dealer, or financial planner. No advisory or fiduciary relationship is created by your use of the Service.

NOT Affiliated with the U.S. Government

FedPath is an independent platform. We are not affiliated with, endorsed by, or connected to the Federal Retirement Thrift Investment Board (FRTIB), the Thrift Savings Plan (TSP), the Office of Personnel Management (OPM), the Department of Defense, the Social Security Administration, or any other federal agency.

Projections Are Estimates

All projections, calculations, and scenarios are estimates based on the assumptions you provide, published federal benefits rules, and historical data. Actual results will vary based on market conditions, policy changes, personal circumstances, and other factors we cannot predict or control.

Consult a Professional

Before making any financial decisions — including TSP allocation changes, retirement timing, Social Security claiming, or Roth conversions — consult a qualified financial advisor, tax professional, or attorney who understands your complete financial situation.

7. Limitation of Liability

To the maximum extent permitted by applicable law, FedPath and its officers, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial outcomes arising from:

  • Your use of or inability to use the Service
  • Any decisions you make based on information provided by the Service
  • Errors, inaccuracies, or omissions in projections or calculations
  • Unauthorized access to your account or data
  • Service interruptions or technical failures

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Publisher's Exclusion Notice

FedPath operates under the publisher's exclusion of the Investment Advisers Act of 1940, Section 202(a)(11)(D). This means:

  • FedPath is structured as a financial education publication, not a registered investment adviser.
  • Any market commentary, model portfolios, or allocation signals published by FedPath are general educational content delivered identically to all subscribers — they are not personalized investment recommendations.
  • The Service provides calculators and tools that you operate yourself. You make all decisions and implement any changes to your TSP directly at TSP.gov.
  • FedPath never has access to, manages, or controls your TSP account or any other financial account.

9. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of these Terms
  • Attempt to gain unauthorized access to any part of the Service or its systems
  • Scrape, crawl, or use automated tools to extract data from the Service
  • Impersonate another person or misrepresent your identity
  • Resell, redistribute, or commercially exploit the Service or its content without authorization
  • Interfere with or disrupt the Service or its infrastructure

10. Termination

You may close your account at any time from the Settings page. Upon account closure, your data will be permanently deleted as described in our Privacy Policy.

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or if required by law. We will make reasonable efforts to notify you before suspension, except in cases of urgent security concerns.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved in the courts of the State of California.

12. Indemnification

You agree to indemnify and hold harmless FedPath and its officers, employees, and contractors from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14. Contact Us

If you have questions about these Terms of Service, please contact us:

Email: support@fedpath.app