Terms of Use

Effective July 17, 2026

By using getpensora.com, you agree to the terms below.

Educational content, not advice

Pensora's calculators, tables, and articles are provided for general educational purposes only. They are not financial, tax, or legal advice, and using them does not create any advisory relationship. For decisions about your own situation, talk to a licensed financial advisor, a tax professional, or the relevant government agency — the SSA or IRS in the US, or HMRC and the DWP in the UK.

Accuracy

We build every calculator from published sources — IRS publications, SSA rules, and gov.uk / HMRC guidance — and keep them updated as rules change. Even so, tax and benefit rules are complex and can change without notice, and your own circumstances may include exceptions a general calculator can't cover. Always verify important numbers directly with the SSA, the IRS, HMRC, the DWP, or a licensed professional before making a decision.

No warranty

Pensora is provided "as is," without warranty of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose.

Limitation of liability

To the fullest extent permitted by law, Openverse and Pensora are not liable for any loss or damage arising from your use of, or reliance on, this site or its calculators.

Changes to these terms

We may update these terms as the site changes. Continuing to use the site after an update means you accept the revised terms.

Contact

Questions about these terms? Email support@openverse.tech.