Legal Disclaimer

Welcome to the National Association of Federal Retirees (the Association)’s website. By using this site, you agree to follow the terms and conditions set out below. If you do not agree with any part of the terms and conditions, you should not use this website. If you wish to discuss these terms or conditions, contact us at

The Association may change the content, information and materials on this site without notice. We provide no guarantee of any kind — implied, express or statutory — for the information contained on this site.

The Association and its affiliates produced the materials and content on this site. Copyrights, trademarks and other proprietary rights and laws protect this material and content

The Association grants users of this site a limited licence to display or print short extracts of information, text or graphics for non-commercial use only. We also extend this permission to the commercial use of news organizations, provided the material is not modified. Users will be fully responsible for any consequences resulting from such use. Except as authorized by the Association in writing on a case-by-case basis, users are not permitted to sell, licence, rent, modify, distribute, copy, reproduce, transmit, publicly display, publish, adapt, edit or create derivative works from any content on this website. The Association disclaims any liability for unauthorized use or reproduction of any portion of this site.

Except where otherwise indicated, all logos, names and marks on the website are trademarks or service marks. You may not use them without permission.

The Association has made every attempt to obtain the information on this website from reliable sources and ensure its accuracy. The Association, its affiliates, directors, officers, employees and suppliers are not liable for any damages arising in connection with the use of this website. Nor are they liable for damages arising from reliance on the information on this site. We provide all information on this website with no guarantee of completeness, accuracy or timeliness. We do not guarantee any results you obtain from using this information.

The Association does not control any third-party website. It is thus not responsible for the content of any linked website or any link contained in a linked site. The Association provides such links only as a convenience. The inclusion on this site of any link does not imply endorsement, investigation, certification, control or verification of the linked site or information it contains. A link to a third-party website in no way means that the Association is affiliated or associated with the linked website or organization. You do not have a right to use any trademark, trade name, logo or copyrighted symbol reflected in the link.

The Association controls this website (excluding linked sites) from its offices in the Province of Ontario, Canada. By accessing this site, you and the Association agree that the laws of the Province of Ontario and Canada govern all matters relating to this site.