Welcome to CalmPension. These Terms and Conditions govern your use of our insurance advisory services and website. By accessing our services, you agree to comply with these terms.
CalmPension provides insurance advisory services for pensioners in Switzerland. We assist in selecting and managing insurance policies but do not directly provide insurance coverage.
Users must provide accurate and complete information when seeking insurance advice. False or misleading information may result in inappropriate recommendations or invalid insurance coverage.
Our advisory services may include fees for consultation, policy review, and ongoing support. All fees will be clearly communicated before any services are rendered.
Insurance policies are contracts between you and the insurance provider. CalmPension acts as an advisor and is not responsible for the terms, conditions, or coverage provided by insurance companies.
Advisory service fees are refundable within 14 days of payment if no services have been rendered. Once consultation or advisory services begin, fees are non-refundable.
You may cancel ongoing advisory services with 30 days written notice. Any prepaid fees will be prorated and refunded accordingly.
Our advertising practices comply with Google Ads policies. We maintain transparency in our service offerings and pricing, and do not engage in misleading advertising practices.
All content on our website, including text, graphics, logos, and software, is the property of CalmPension and protected by intellectual property laws.
CalmPension provides advisory services based on available information but cannot guarantee specific insurance outcomes. We are not liable for decisions made by insurance providers.
We handle your personal information in accordance with our Privacy Policy and applicable data protection laws.
By using our services, you consent to receive communications from us regarding your insurance advisory services and related matters.
We reserve the right to modify or discontinue services with reasonable notice to clients.
These terms are governed by Swiss law. Any disputes will be resolved in the courts of Switzerland.
For questions about these terms, please contact us at info@calmpension.com.