Terms of Service

1. Acceptance of Terms

By accessing or using the Retirava website at retirava.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

We reserve the right to update or change these Terms at any time. Your continued use of the Site after any modifications constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

2. Description of Service

Retirava is a free, educational platform providing information about retirement financial planning, pension systems, long-term capital accumulation, and passive income strategies. All content on the Site is provided for informational and educational purposes only.

Retirava does not provide any of the following:

• Financial advice, investment advice, or wealth management services
• Legal advice or legal services
• Tax advice or tax preparation services
• Insurance advice or brokerage services
• Any paid services, subscriptions, or premium tiers
• Personalized recommendations tailored to individual financial situations

Nothing on this Site constitutes a solicitation, recommendation, endorsement, or offer by Retirava to buy or sell any securities or other financial instruments.

3. Educational Purpose Disclaimer

All content published on Retirava — including articles, guides, calculators, tools, charts, and other materials — is intended solely for general educational and informational purposes. The information provided:

• Is not tailored to the investment needs of any specific person
• Does not constitute financial, investment, legal, or tax advice
• May not be accurate, complete, reliable, or suitable for your situation
• Should not be relied upon as the sole basis for making any financial decisions

Before making any financial decisions, you should consult with a qualified financial adviser, legal professional, or tax specialist who is aware of your individual circumstances.

4. Use of Interactive Tools

Retirava provides interactive tools such as retirement calculators and expense planners. These tools are provided for illustrative and educational purposes only. Results generated by these tools:

• Are based on the inputs you provide and simplified mathematical models
• Do not account for all real-world variables, tax implications, or market fluctuations
• Are not guarantees, projections, or predictions of future performance
• Should not be used as the basis for any financial planning without professional consultation

All calculations are performed locally in your browser. Retirava does not store or transmit data entered into these tools.

5. User Conduct

When using the Site, including the contact form, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Submit false, misleading, or fraudulent information through the contact form
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Use any automated means, such as bots or scrapers, to access, collect data from, or interact with the Site without prior written permission
• Interfere with or disrupt the integrity or performance of the Site
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site for commercial purposes without express written consent from Retirava
• Transmit any material that is abusive, harassing, defamatory, obscene, or otherwise objectionable

6. Intellectual Property

The Site and its original content — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — are the property of Retirava and are protected by applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial, educational purposes. This license does not include the right to:

• Modify or copy materials from the Site for commercial use
• Use materials for public display or publication
• Transfer materials to another person or "mirror" the materials on any other server

If you wish to use any content from Retirava beyond what is permitted here, please contact us at info@retirava.com.

7. Third-Party Links and Resources

The Site may contain links to third-party websites, resources, or services that are not owned or controlled by Retirava. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

Links to external sites are provided for convenience and informational purposes only. Their inclusion does not imply endorsement by Retirava. We strongly advise you to review the terms and privacy policies of any third-party sites you visit.

8. Accuracy of Information

Retirava strives to provide accurate, up-to-date information. However, pension systems, tax laws, financial regulations, and economic conditions change frequently and vary significantly across jurisdictions. We cannot guarantee that all information on the Site is current, complete, or accurate at all times.

Country-specific information, statistics, and regulatory details on this Site are provided as general guidance only and may not reflect the most recent legislative changes. Always verify critical information with official government sources or qualified professionals in the relevant jurisdiction.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components

Retirava expressly disclaims all warranties to the fullest extent permitted by applicable law.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Retirava, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site
• Any reliance placed on information or materials provided on the Site
• Financial decisions made based on content found on the Site
• Unauthorized access to or alteration of your data
• Any other matter relating to the Site

This limitation applies whether the alleged liability arises in contract, tort, negligence, strict liability, or any other basis, even if Retirava has been advised of the possibility of such damage.

11. Indemnification

You agree to defend, indemnify, and hold harmless Retirava and its affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

12. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data practices described in our Privacy Policy.

13. Cookie Policy

Our use of cookies and similar tracking technologies is governed by our Cookie Policy, which is incorporated into these Terms by reference. By continuing to use the Site after being presented with the cookie consent notice, you agree to our use of cookies as described in that policy.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts. If you access the Site from a jurisdiction where its provisions may conflict with local laws, you do so at your own risk and are responsible for compliance with local regulations.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Retirava regarding your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

17. Contact Us

If you have any questions about these Terms of Service, please contact us:

• Email: info@retirava.com
• Website: retirava.com
• Contact Form: Contact page