Effective Date: June 2026
Welcome to Pensiona.ai. These Terms of Service (“Terms”) govern your access to and use of the Pensiona.ai website, products, services, applications, and content (collectively, the “Services”).
By accessing or using our Services, you agree to these Terms. If you do not agree, please do not use Pensiona.ai.
1. About Pensiona.ai
Pensiona.ai is a technology platform designed to help individuals better understand retirement planning through educational content, digital tools, and AI-powered insights.
Pensiona.ai does not provide financial, investment, tax, legal, or pension transfer advice.
2. Eligibility
To use our Services, you must:
- Be at least 18 years old.
- Have the legal capacity to enter into a binding agreement.
- Provide accurate information when requested.
3. Informational Purposes Only
The information provided through Pensiona.ai is intended solely for educational and informational purposes.
Any projections, forecasts, retirement estimates, or AI-generated insights:
- Are based on assumptions and available information.
- May not reflect actual future outcomes.
- Should not be considered professional financial advice.
Before making financial decisions, users should consult qualified financial, legal, tax, or pension professionals.
4. Beta Services
Pensiona.ai is currently operating in a beta testing phase.
During this period:
- Features may change without notice.
- Functionality may be incomplete.
- Information may contain inaccuracies.
- Services may be temporarily unavailable.
By participating in the beta program, you acknowledge and accept these conditions.
5. User Responsibilities
You agree to:
- Use the Services lawfully.
- Provide accurate information.
- Maintain the confidentiality of your account credentials.
- Notify us of any unauthorized account activity.
You are responsible for all activities conducted through your account.
6. Prohibited Activities
You may not:
- Violate applicable laws or regulations.
- Attempt unauthorized access to systems or accounts.
- Interfere with platform security.
- Upload malicious software or harmful code.
- Use the Services for fraudulent purposes.
- Reverse engineer or copy proprietary technology.
We reserve the right to suspend or terminate access for violations of these Terms.
7. Intellectual Property
All content on Pensiona.ai, including text, graphics, logos, software, designs, and trademarks, is owned by Pensiona.ai or its licensors and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or commercially exploit any content without prior written permission.
8. User Feedback
If you provide feedback, suggestions, ideas, or recommendations regarding Pensiona.ai, you grant us the right to use such feedback to improve our products and services without compensation or obligation.
9. Third-Party Services
Our Services may contain links to third-party websites or services.
Pensiona.ai is not responsible for the content, availability, security, or privacy practices of third-party providers.
Users access third-party services at their own risk.
10. Disclaimer of Warranties
The Services are provided on an “as is” and “as available” basis.
Pensiona.ai makes no representations or warranties regarding:
- Accuracy of information
- Availability of services
- Reliability of results
- Fitness for a particular purpose
We do not guarantee uninterrupted or error-free operation.
11. Limitation of Liability
To the maximum extent permitted by law, Pensiona.ai shall not be liable for:
- Indirect or consequential damages
- Loss of profits
- Loss of data
- Financial losses
- Business interruption
arising from the use of, or inability to use, the Services.
Your use of Pensiona.ai is entirely at your own risk.
12. Privacy
Your use of Pensiona.ai is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information.
13. Changes to These Terms
We may update these Terms from time to time.
Updated versions will be posted on this page with a revised effective date.
Continued use of the Services after changes are published constitutes acceptance of the updated Terms.
14. Termination
We reserve the right to suspend or terminate access to the Services at any time if:
- These Terms are violated.
- Misuse is detected.
- Required by law or regulatory obligations.
15. Contact Information
If you have questions regarding these Terms, please contact:
Pensiona.ai
Email: legal@pensiona.ai
Website: https://www.pensiona.ai
Important Disclaimer
Pensiona.ai is a technology and educational platform. It does not provide regulated financial advice, investment advice, pension transfer advice, tax advice, or legal advice. Users should seek independent professional advice before making financial decisions.