Terms of use

Welcome to Bavio. By using our website, platform, or services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully before using Bavio.

Use of Our Website and Service

By accessing our website or platform, you confirm that you are at least 18 years old or have the legal authority to agree to these terms. You agree to use Bavio only for lawful purposes and in compliance with all applicable laws and regulations.

You understand that Bavio provides educational content, simulations, and general information about pensions. We do not provide regulated financial advice. Any binding recommendations, product sales, or regulated consultations are performed exclusively by licensed advisors connected through your employer, broker, or insurer.

Intellectual Property

All content on this website and platform — including text, images, graphics, logos, chat responses, and software — is the property of Bavio or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or use any content without our prior written consent.

If you submit content to us, such as feedback or testimonials, you grant Bavio a non-exclusive, royalty-free, and irrevocable license to use, modify, and display the content for promotional or operational purposes.

Accuracy and Availability

Our website and services are provided “as is” without warranties of any kind. While we strive to provide accurate and up-to-date information, we do not guarantee the reliability, accuracy, or completeness of our content, pension simulations, or communications.

We may update, modify, or discontinue features at any time without notice.

Limitation of Liability

Bavio is not liable for any indirect, incidental, or consequential damages arising from your use of our website or platform. This includes, but is not limited to, loss of data, revenue, or profits.

Bavio does not issue financial products and cannot be held responsible for decisions made based on educational content or simulations. Final decisions should always be validated with a licensed advisor.

Third-Party Links

Our website and platform may contain links to third-party services or external websites. These are provided for convenience only. Bavio does not endorse or assume responsibility for the content, policies, or practices of third-party websites.

Termination

We reserve the right to suspend or terminate access to our platform at our discretion if you violate these terms or engage in harmful activity.

Changes to These Terms

We may update these Terms of Use occasionally to reflect changes to our practices, features, or legal requirements. Continued use of Bavio after updates constitutes acceptance of the revised terms.