Please read these Terms of Service ("Terms") carefully before using the PensionFlow website and services (the "Services"). By accessing or using the Services, you agree to be bound by these Terms.

1. Nature of Services

PensionFlow provides tools to assist with pension tracking and retirement simulation.We are not financial advisers. The information provided by our Service is for educational and informational purposes only and does not constitute financial advice. You should seek independent advice from a certified financial adviser before making any investment decisions.

2. User Accounts

You must be at least 18 years old to use this Service.
You are responsible for maintaining the confidentiality of your account and password.
You agree to provide accurate and complete information when registering.

3. Acceptable Use

You agree not to use the Services for any unlawful purpose or to solicit others to perform or participate in any unlawful acts. You must not transmit any worms or viruses or any code of a destructive nature.

4. Subscription and Payments

Certain aspects of the Service may be provided for a fee or other charge. If you elect to use paid aspects of the Service, you agree to the pricing and payment terms as we may update them from time to time.

5. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of PensionFlow and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of PensionFlow.

6. Limitation of Liability

In no event shall PensionFlow, nor its directors, employees, partners, agents, suppliers, or affiliates, 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.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

8. Contact Us

If you have any questions about these Terms, please contact us at: support-mail@mypensionflow.com.