Agreement to Terms
By accessing and using the stellar-gearbox.com website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.
These terms constitute a legally binding agreement between you and Stellar Gearbox.
Services Description
Stellar Gearbox provides pension report analysis and retirement planning consultation services. Our services include:
- Analysis of annual pension statements
- Investment strategy reviews
- Retirement planning consultations
- Pension transfer assessments
- Related financial guidance specific to Irish pension arrangements
All services are informational and educational in nature. We do not provide regulated financial advice, sell financial products, or manage investments.
Service Limitations
Our services are designed to help you understand your pension arrangements and make informed decisions. However:
- We do not guarantee specific financial outcomes
- Analysis is based on information you provide and publicly available data
- Historical performance does not guarantee future results
- You are responsible for any actions taken based on our analysis
- We recommend consulting with regulated financial advisors for investment decisions
User Responsibilities
When using our services, you agree to:
- Provide accurate and complete information
- Maintain the confidentiality of any login credentials
- Use the website and services only for lawful purposes
- Not attempt to gain unauthorized access to our systems
- Not reproduce, distribute, or commercially exploit our content without permission
- Notify us immediately of any unauthorized use of your account
Payment and Fees
Service fees are clearly stated on our website and must be paid before service delivery begins. Payment terms include:
- All prices are in Euros and include applicable taxes
- Payment is required in full before analysis begins
- We accept payment via bank transfer and major credit cards
- Fees are non-refundable once analysis work has commenced
- We reserve the right to update pricing with advance notice
Intellectual Property
All content on this website, including text, graphics, logos, analysis reports, and software, is the property of Stellar Gearbox and protected by Irish and international copyright laws.
When you receive an analysis report:
- You may use it for personal, non-commercial purposes
- You may not redistribute, republish, or resell the content
- You may not remove copyright or proprietary notices
- The analysis remains our intellectual property
Confidentiality
We treat all client information as confidential. However, you acknowledge that:
- Electronic transmission is not completely secure
- We may be required to disclose information if legally compelled
- Anonymized data may be used for research or service improvement
For full details on how we handle your data, please review our Privacy Policy.
Limitation of Liability
To the fullest extent permitted by Irish law:
- We are not liable for any indirect, incidental, or consequential damages
- Our total liability is limited to the fees paid for the specific service in question
- We are not responsible for losses resulting from decisions made based on our analysis
- We do not guarantee uninterrupted or error-free service
- We are not liable for third-party actions or external factors affecting your pension
Nothing in these terms excludes liability for fraud, death, or personal injury caused by negligence.
Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:
- The website will be available at all times
- Information is completely accurate or up-to-date
- Services will meet all your specific requirements
- Results will match your expectations
Indemnification
You agree to indemnify and hold harmless Stellar Gearbox, its officers, employees, and agents from any claims, damages, or expenses arising from:
- Your use of our services
- Your violation of these terms
- Your violation of any rights of another party
- Any inaccurate information you provide
Termination
We reserve the right to terminate or suspend your access to our services at our discretion, without notice, for conduct that we believe:
- Violates these terms
- Is harmful to other users or our business
- Exposes us to legal liability
- Is otherwise inappropriate
Governing Law
These terms are governed by and construed in accordance with the laws of Ireland. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the Irish courts.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
We will indicate the date of the most recent revision at the top of this page.
Severability
If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Stellar Gearbox regarding use of our website and services.
Contact Information
If you have questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: 42 Merrion Square East, Dublin 2, D02 H624, Ireland