Terms of Service
Last updated: 1 January 2025. Please read these terms carefully before using this website.
Contents
1. Acceptance of Terms
By accessing or using the Pensionarium website at pensionarium.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.
We reserve the right to modify these Terms at any time. Continued use of the Website following notification of changes constitutes acceptance of the updated Terms.
2. Purpose and Nature of Service
Pensionarium is a non-commercial educational and informational platform. The Website provides general information about pension systems, retirement savings strategies, and related economic and policy topics for educational purposes only.
The Website does not:
- Offer paid products or services of any kind
- Sell, broker, or recommend any financial product
- Act as a financial adviser, investment adviser, or tax consultant
- Accept advertising, sponsorship, or payment from pension providers or financial institutions
3. Disclaimer of Financial and Legal Advice
Nothing on this Website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. All content is strictly informational and educational in nature.
You should not rely on any information on this Website as a basis for making financial, investment, legal, or other decisions. For matters of personal finance and retirement planning, we strongly recommend consulting a qualified and licensed professional in your jurisdiction.
Pensionarium accepts no responsibility for any action taken or not taken based on the information provided on this Website.
4. Intellectual Property
All content on the Website — including text, graphics, data, design, and editorial content — is the intellectual property of Pensionarium or its contributors, unless otherwise stated. Content is protected by applicable copyright and intellectual property laws.
You are permitted to:
- View and read content for personal, non-commercial, educational use
- Share links to articles on this Website
- Quote brief excerpts for journalistic or academic purposes, with clear attribution to Pensionarium and a link to the original source
You are not permitted to reproduce, republish, distribute, or commercially exploit any content from this Website without prior written permission.
5. Accuracy of Information
We strive to ensure that all content on the Website is accurate, current, and based on reliable sources. However, pension legislation, data, and research evolve continuously. We cannot guarantee that all information is complete, accurate, or up to date at all times.
We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information on the Website.
6. External Links
The Website may contain links to third-party websites, research papers, government resources, and international organisations. These links are provided for informational convenience only. Pensionarium does not endorse, control, or accept responsibility for the content of any external website.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Pensionarium shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Website or its content, even if we have been advised of the possibility of such damages.
8. User Conduct
When contacting us or using any interactive features of the Website, you agree not to:
- Submit false, misleading, or harmful information
- Attempt to access systems or data beyond what is publicly available
- Use the Website for any unlawful purpose
- Attempt to interfere with the operation of the Website
9. Governing Law
These Terms shall be governed by and construed in accordance with applicable international law. Any disputes shall be subject to the exclusive jurisdiction of competent courts in the relevant jurisdiction.
10. Contact
If you have any questions about these Terms of Service, please contact us at:
Email: info@pensionarium.com
Website: pensionarium.com