Introduction
These Terms and Conditions (“Terms”) govern your access to and use of PensionShieldPro, a digital platform offering insurance support and advisory services for senior individuals residing in Switzerland. By accessing our platform, you agree to comply with all outlined provisions.
Acceptance of Terms
Use of PensionShieldPro implies full agreement to these Terms. If you disagree with any portion of the Terms, you are not authorized to access or use our services. Your continued usage constitutes binding consent to any current or updated version.
Description of Services
PensionShieldPro provides:
– Consultative guidance on retirement insurance options and senior financial planning
– Tools to explore and compare available insurance products from partnered providers
– Assistance with understanding entitlements, coverage rules, and policy compliance
We do not underwrite insurance policies or act as an insurer. Services are informational and facilitative in nature and do not replace personalized advice from licensed insurance brokers or legal counsel.
User Responsibilities
Users agree to:
– Submit accurate, timely, and lawful information through all interactive features
– Consult directly with licensed insurance providers before making policy decisions
– Not impersonate others or misrepresent eligibility
– Avoid using the platform in a manner that may cause reputational, legal, or technical harm
– Assume responsibility for insurance selections made via third-party referrals
Limitation of Liability
PensionShieldPro disclaims liability for:
– Financial loss arising from reliance on general information provided on the site
– Errors or omissions in external insurance offerings
– Service interruptions, data breaches, or third-party misconduct
Our platform does not guarantee insurance coverage, policy approval, or financial returns. All insurance-related contracts are concluded directly between users and licensed providers.
Intellectual Property
All intellectual property, including but not limited to the PensionShieldPro brand, logo, platform design, software, and educational materials, are the exclusive property of the operator and may not be reused, modified, or distributed without written consent.
Governing Law and Jurisdiction
These Terms are governed by the laws of Switzerland. Any legal dispute arising from the use of this platform will be resolved under the jurisdiction of the courts of the Canton of Vaud, unless mandatory consumer protection laws stipulate otherwise.
Termination of Access
We may suspend or terminate access without notice if:
– The user violates any provision of these Terms
– There is suspected fraud or misuse of the platform
– Required identification or consent documents are not properly submitted
Termination does not entitle the user to compensation or refund, except as provided by applicable law.
Refund Policy
Since we do not process or sell insurance policies directly, refund requests relating to insurance premiums or advisory interactions are managed by the respective third-party providers. Requests related to any paid consultations arranged through the platform must be submitted in writing within 7 days of the scheduled session.
Amendments to Terms
We reserve the right to update or amend these Terms at any time. Users will be notified via platform announcement or email, and continued use of the platform will constitute acceptance of revised conditions.
Effective Date
These Terms and Conditions are effective as of June 24, 2025, and shall apply until replaced by a revised version.