1. Acceptance of Terms

Welcome to the PensionGuard Solutions website. By accessing and using this website, you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These Terms and Conditions are effective as of October 26, 2026, and may be updated from time to time. We will notify you of any significant changes by posting the new Terms and Conditions on this page. You are advised to review these Terms and Conditions periodically for any changes. Your continued use of the website after any such changes constitutes your acceptance of the new Terms and Conditions.

2. User Responsibilities

As a user of the PensionGuard Solutions website, you agree to the following:

1. Lawful Use: You will use the website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.
2. Accuracy of Information: You are responsible for ensuring that any information you provide to us is accurate, complete, and up-to-date.
3. Account Security: If you create an account, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password.
4. Respectful Conduct: You will not engage in any conduct that is unlawful, harassing, abusive, threatening, harmful, obscene, or otherwise objectionable.
5. No Disruption: You will not attempt to disrupt the operation of the website or any associated systems or networks, including by transmitting viruses, worms, or other malicious code.

3. Intellectual Property Rights

The content, design, graphics, and other materials on this website are protected by copyright and other intellectual property laws. PensionGuard Solutions owns or licenses all intellectual property rights in and to the website and its content. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

If you violate these intellectual property rights, PensionGuard Solutions reserves the right to take legal action against you.

4. Disclaimer of Liability

The information provided on the PensionGuard Solutions website is for general informational purposes only and does not constitute financial or legal advice. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will PensionGuard Solutions be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website, you are able to link to other websites which are not under the control of PensionGuard Solutions. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

5. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Czech Republic, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Prague, Czech Republic.

6. Contact Information for Legal Inquiries

If you have any questions or concerns regarding these Terms and Conditions, please contact our Legal Department at:

PensionGuard Solutions Legal Department
Na Příkopě 854/14
110 00 Prague 1
Czech Republic

Email: legal@pensionguardsolutions.cz
Phone: +420 604 272 367

7. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable under any applicable law, such provision shall be struck, and the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision will be replaced by a valid and enforceable provision that comes closest to expressing the intention of the original provision.

8. Termination

PensionGuard Solutions reserves the right to terminate your access to the website at any time, without notice, for any reason, including, without limitation, breach of these Terms and Conditions. All provisions of these Terms and Conditions that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Changes to These Terms

PensionGuard Solutions reserves the right to modify these Terms and Conditions at any time. We will post any changes on this page, and the revised Terms and Conditions will be effective when posted. Your continued use of the website following the posting of revised Terms and Conditions means that you accept and agree to the changes. It is your responsibility to review these Terms and Conditions periodically for updates.