Terms of use

Educational use

IRMAA Cliff provides general educational information and estimating tools about Medicare's income-related monthly adjustment amounts. The content is not tax, legal, financial or insurance advice and does not create any professional relationship. Your actual premiums are decided by the Social Security Administration based on its records. Before acting on any estimate, confirm it with the official agency or a qualified professional.

Accuracy and no warranty

We work hard to keep figures current and correct, and we cite official sources on our methodology page. However, rules and amounts change, projections are estimates, and errors can happen. The site and its tools are 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.

Limitation of liability

To the fullest extent permitted by law, IRMAA Cliff and its publishers are not liable for any direct, indirect, incidental, consequential or other damages arising from your use of, or inability to use, the site or its tools, including decisions made or premiums paid based on information from the site. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

Acceptable use

You may use the site for personal, non-commercial purposes and share links to it. You may not copy substantial parts of the content or the tools for republication, scrape the site in a way that burdens it, attempt to interfere with its operation, or use it for any unlawful purpose.

Intellectual property

The text, design, charts and code of this site belong to IRMAA Cliff or its licensors. Typefaces are used under the SIL Open Font License. Official government publications we link to are the property of their respective agencies.

Third-party links and advertising

The site links to government websites and other third-party sites and shows advertising from Google and its partners. We do not control those sites or ads and are not responsible for their content, products or practices. Affiliate relationships are described in our affiliate disclosure.

No government affiliation

IRMAA Cliff is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, the Social Security Administration or any government agency.

Applicable law

These terms are governed by the laws applicable where the site's publisher is established, without regard to conflict-of-law rules, except where the law of your place of residence gives you protections that cannot be waived.

Changes

We may update these terms and will post the new version here with its effective date. Continued use after a change means you accept the updated terms. Questions: contact@irmaacliff.com.