Private, independent site — not affiliated with any government agency.govmoneybenefits.com is a private, independent website. It is NOT affiliated with, endorsed by, or connected to the U.S. government or any government agency, including VA, SSA, OPM, DoD, DFAS, or USDA. For official determinations, use the official agency links provided on each page.

Privacy Policy

Effective date: July 30, 2026

1. Overview

Gov Money Benefits (govmoneybenefits.com) is operated by Cosyslabs Inc. This policy explains what little data we handle and how. The short version: your benefit inputs stay on your device, tracking is consent-gated, we collect no phone numbers, and we never sell personal data.

2. Calculations stay on your device

Every calculator and screener on this site runs entirely in your browser. The figures you enter — salary history, years of service, disability ratings, earnings records, household size and income — are never transmitted to our servers or to any third party. There is no account system, no server-side storage of inputs, and no way for us to see what you calculate. Closing the tab is enough to walk away clean.

Preferences you choose to keep (dark mode, favorite tools, recent calculations) are stored only in your browser’s localStorage and can be cleared at any time from your browser settings.

3. Consent-gated analytics and ads

We use a cookie consent banner. Until you accept, no analytics or advertising scripts load. If you accept, we use:

Google Analytics 4 — pages visited and tool usage, with IP anonymization
Microsoft Clarity — aggregate session heatmaps
Google AdSense — advertising (ads never appear inside calculator panels or on this page)

Declining consent means no tracking cookies and no personalized ads.

4. We do not sell your data

We do not sell, rent, or trade personal information — ever. We are not a lead-generation service: nothing you enter into a calculator is packaged or passed to attorneys, agents, brokers, or anyone else.

5. No phone numbers

We do not ask for, collect, or store telephone numbers anywhere on this site — not in the contact form, not in the newsletter, not in any tool. You will never receive a call or text message because of using this site.

6. Newsletter (double opt-in)

The COLA Watch email list is strictly double opt-in: after submitting your email you must click a confirmation link before you are subscribed. We store only your email address and confirmation status, use it only to send the newsletter, and every issue includes a one-click unsubscribe.

7. Contact form

If you use the contact form, we receive the name (optional), email, subject, and message you type — nothing else — and use them only to reply. The form is protected by Cloudflare Turnstile, which may process technical signals to distinguish humans from bots per Cloudflare’s privacy policy.

8. Third-party links

Every tool links to the official government source it derives from (OPM, TSP, VA, SSA, DFAS, USDA), and we link to other sites in the Cosyslabs network. Those sites have their own privacy policies.

9. Contact

Privacy questions or requests: support.cosyslabs@gmail.com.