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Terms of use

Last updated November 12, 2026

These terms apply to your use of GrandsGaro (the "site"), owned and operated by GrandsGaro ("we", "us"). By using the site, you agree to these terms.

1. Educational information only

The guides on this site are general educational information about retirement, Social Security, Medicare, savings and related topics. They are not financial, investment, legal, tax, insurance or medical advice, and they don't take your personal situation into account. Before making decisions, check with the official agency or a qualified professional.

2. Not a government website

This site is privately owned. It is not affiliated with, endorsed by, or acting for the Social Security Administration, Medicare, the Centers for Medicare & Medicaid Services, the IRS or any other government agency. We cannot apply for benefits for you or access your records.

3. Accuracy

We work to keep our guides accurate and up to date, and we show when each guide was last checked. Rules and amounts change, and mistakes can happen. The site is provided "as is", without warranties of any kind. Official sources are the final word.

4. Outside links

We link to official and other outside websites for your convenience. We don't control those sites and aren't responsible for their content or practices.

5. Email tips

If you sign up for our email, you agree to receive it until you unsubscribe. You can unsubscribe at any time using the link in any email.

6. Using our content

The text and design of this site belong to GrandsGaro. You may print or share guides for personal, non-commercial use with credit to this site. Please don't copy or republish them for commercial use without our written permission.

7. Limitation of liability

To the fullest extent allowed by law, GrandsGaro is not liable for any loss or damage arising from your use of, or reliance on, the site or its content.

8. Governing law

These terms are governed by the laws of the State of Florida and applicable U.S. federal law.

9. Changes

We may update these terms. The date at the top shows the latest version. Continuing to use the site means you accept the updated terms.

10. Contact