Terms of use
Plain-language terms for using 62vs70.com. By using this site you agree to them.
1. What this site is
62vs70.com (the “site”) is a free, informational calculator and set of explanations about when to claim Social Security retirement benefits — personal breakeven, the three claiming scenarios, spousal coordination, survivor benefits, the earnings test, and benefit taxability. It is operated by Red Goggles LLC (“we,” “us”). By accessing or using the site you agree to these terms; if you don’t agree, please don’t use the site.
2. Not professional advice
The site provides general information and estimates for educational purposes only. It is not financial, tax, legal, insurance, or investment advice, and using it does not create any professional or advisory relationship. Estimates are not benefit determinations, guarantees of any payment amount, or recommendations about when you personally should claim. Always confirm your specific situation with the Social Security Administration or a fee-only fiduciary advisor. See our full disclaimer.
3. Accuracy and “as is”
We build the calculator from the SSA’s published rules and take accuracy seriously, but the underlying law, dollar thresholds, and figures change and can contain errors. The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or non-infringement. We don’t warrant that the site will be uninterrupted or error-free.
4. Limitation of liability
To the fullest extent permitted by law, Red Goggles LLC will not be liable for any indirect, incidental, consequential, or special damages, or for any decision you make based on the site or its estimates. Your sole remedy if you’re dissatisfied is to stop using the site.
5. Your inputs and privacy
The calculator runs entirely in your browser; we don’t collect the birth year, benefit, income, or marital-status values you enter. Your use of the site is also governed by our privacy statement.
6. Intellectual property
The site’s text, design, and code are owned by Red Goggles LLC or used under license. You may read, share links to, and quote reasonable excerpts with attribution. You may not copy the site wholesale, or scrape or republish it as your own.
7. Third-party links and advertising
The site links to third-party resources (such as the SSA, the IRS, and sibling calculators) and is supported by display advertising. We don’t control third-party sites or ads and aren’t responsible for their content, accuracy, or practices.
8. Changes
We may update the site and these terms from time to time. Continued use after a change means you accept the updated terms.
9. Contact
Questions about these terms? Email [email protected] or use our contact page.
Last updated: June 1, 2026