Terms of Use & Master Disclaimer

1. Nature of Service

Pensora is a publisher of financial information, not a regulated advisor. We provide educational content, tools, and calculators designed to help users understand global retirement planning concepts. Our platform is intended for informational purposes only and should not be construed as professional financial, legal, or tax guidance.

2. No Professional Advice

Content provided on this platform is for research and educational purposes only. Before making any financial decisions, you should consult with a qualified professional such as a registered investment advisor, certified financial planner, tax professional, or attorney licensed in your jurisdiction. Pensora does not provide personalized recommendations and is not responsible for any decisions made based on information provided on this platform.

3. Simulation Disclaimer

Our tools, including the Global Retirement Portability Check, utilize assumptions that may not reflect future market conditions. Projections are hypothetical, based on generic assumptions including but not limited to assumed rates of return, inflation rates, and cost of living estimates. Actual results will vary significantly based on individual circumstances, market performance, tax law changes, and other factors beyond our control or prediction.

The projections do not account for: individual tax situations, treaty benefits, estate planning implications, healthcare costs, currency fluctuations beyond basic assumptions, or other personal financial circumstances.

4. Cross-Border Tax

Tax treaties, pension rules and residency tests change frequently, and they interact in ways that are specific to each person. Before moving, transferring or restructuring any retirement asset, consult a qualified professional licensed in both your current jurisdiction and your destination jurisdiction. A rule that is correct in one country is frequently wrong in the other.

5. Limitation of Liability

The service is provided "As Is" without warranties of any kind, either express or implied. To the fullest extent permitted by law, Pensora disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall Pensora, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the service
• Any conduct or content of any third party on the service
• Any content obtained from the service
• Unauthorized access, use, or alteration of your transmissions or content