Terms of Service

1. Acceptance; eligibility; age requirement

By accessing or using this website, submitting a request through our contact channels, or otherwise using any content or services offered by TCAICORE, you agree to be bound by these Terms of Service and to comply with all applicable laws. If you do not accept these Terms, you must not use the website.

The website is intended for users aged 16 or older. If you are under 16, you may not use the website or submit information through it. If you are between 16 and the age of majority in your jurisdiction, you represent that you have permission from a parent or guardian to use the website and that your parent or guardian has reviewed and agrees to these Terms on your behalf.

2. Service description; scope and limitations

TCAICORE provides informational pension consultation focused on helping users understand pension documentation and processes across public, occupational, and private retirement arrangements in Europe. Our work commonly includes document organization, explanation of terminology, practical checklists for contacting providers, and process guidance for cross-border pension administration such as transfers or consolidation steps, where applicable.

Our services are structured and documented. Deliverables may include written summaries, document checklists, action timelines, and explanations of typical administrative steps. We do not issue official benefit calculations, guarantees, or binding determinations of entitlement. Official entitlement confirmations are provided by the relevant pension providers, trustees, administrators, or public institutions.

Nothing on this website constitutes financial advice, legal advice, investment advice, or tax advice. Any tax-related content is provided for general educational context only. You remain responsible for confirming details with qualified professionals and official sources before making decisions.

3. User obligations; lawful use; account rules

You agree to use the website only for lawful purposes and in a manner consistent with these Terms. When contacting us, you agree to provide accurate, current, and complete information to the best of your knowledge. You are responsible for ensuring that any documents you provide are yours to share and do not unlawfully disclose third-party personal data.

If we provide access to any restricted areas, booking tools, or user accounts now or in the future, you agree that you will maintain the confidentiality of your access credentials, use only one account per person, and promptly notify us if you suspect unauthorized access.

You must not attempt to interfere with the website’s security or operation, including by introducing malware, attempting to bypass access controls, or conducting automated scans that degrade performance.

4. Intellectual property; license

The website, including its text, design, layout, software, and other content (collectively, “Content”), is owned by or licensed to TCAICORE Consulting UG and is protected by intellectual property laws. TCAICORE, its logo, and any product or service names are trademarks or trade dress of TCAICORE Consulting UG.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the website for your personal, non-commercial purposes. You may not copy, reproduce, distribute, publicly display, modify, create derivative works, or otherwise exploit the Content without our prior written permission, except where such restriction is prohibited by law.

5. Prohibited activities

You agree not to engage in any of the following prohibited activities:

• Using the website for any unlawful purpose or in violation of any applicable regulations.
• Attempting to gain unauthorized access to the website, servers, or connected systems, or attempting to bypass security measures.
• Scraping, crawling, harvesting, or using automated means to extract content or data without permission.
• Reverse engineering, decompiling, or attempting to derive source code or underlying ideas from the website.
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity.
• Uploading or transmitting malware, ransomware, spyware, or other malicious or disruptive code.
• Spamming, sending unsolicited messages, or using the website to distribute advertising without our permission.
• Infringing any intellectual property rights, privacy rights, or other rights of any third party.

6. Disclaimer of warranties

The website and any services or content provided through it are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that the website will be uninterrupted, secure, error-free, or free from harmful components, or that any content will be accurate, complete, or current. Pension rules and provider practices change, and you are responsible for verifying information with official sources and qualified professionals.

7. Limitation of liability

To the maximum extent permitted by law, TCAICORE Consulting UG and its directors, employees, and contractors will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses, arising out of or related to your access to or use of (or inability to use) the website or services.

To the maximum extent permitted by law, our total direct liability for any claim arising out of or relating to these Terms, the website, or the services is limited to the amount you paid to us for the relevant service in the twelve months preceding the event giving rise to the claim, or 100 EUR, whichever is lower.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for intentional misconduct, or for death or personal injury caused by negligence where such limitation is prohibited.

8. Indemnification

You agree to defend, indemnify, and hold harmless TCAICORE Consulting UG and its directors, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or related to: (a) your use of the website; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights.

9. Third-party links and resources

The website may reference third-party services or resources in general terms, such as pension institutions or public authorities. We are not responsible for the content, policies, or practices of third-party websites or services. Your interactions with any third party are solely between you and that third party, and you should review their terms and privacy practices.

10. Privacy and data protection

Your use of the website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand how we collect, use, and share information, and how cookie preferences are managed.

View Privacy Policy

11. Governing law; jurisdiction

These Terms and any dispute arising out of or relating to them, the website, or the services are governed by the laws of the Federal Republic of Germany, excluding conflict of law rules. You agree that the courts located in Berlin, Germany will have exclusive jurisdiction, except where mandatory consumer protection rules provide otherwise.

12. Dispute resolution; informal resolution period

Before initiating formal legal proceedings, you agree to attempt to resolve any dispute informally by contacting us and describing the issue in reasonable detail. We will make a good-faith effort to respond and work toward a resolution. This informal resolution period lasts 30 days from the date we receive your notice.

If the dispute is not resolved within the 30 day informal period, either party may bring a claim in the courts specified in the Governing Law and Jurisdiction section above, subject to any mandatory legal rights you may have.

13. Termination; suspension; surviving provisions

We may suspend or terminate your access to the website or to any restricted features (if offered) at any time, with or without notice, if we reasonably believe you have violated these Terms, created risk for other users, interfered with the operation of the website, or acted unlawfully.

Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law will survive termination to the extent necessary to give effect to their intent.

14. Modifications to these Terms

We may update these Terms from time to time to reflect changes in the website, services, or legal requirements. Updated Terms will be posted on this page and will become effective 14 days after posting. Continued use of the website after the effective date constitutes acceptance of the updated Terms.

15. Contact; legal notices

For questions about these Terms, legal notices, or to report misuse, contact: