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Terms of Service

Last updated: June 5, 2026

1. Agreement to Terms

By accessing or using the website marcopesani.com (the "Site") and the services provided by Marcopesani LTD ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access or use our services.

2. Description of Service

Marcopesani LTD provides fixed term annuity calculation services and retirement planning information. Our services include:

  • Fixed term annuity calculators and estimation tools
  • Personalized annuity calculations based on your pension information
  • Information about retirement planning options
  • Connection to qualified financial advisers (optional)

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice.

3. Eligibility

By using our services, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into agreements
  • You are seeking information about pension and annuity products for legitimate purposes
  • The information you provide to us is accurate and complete

4. User Accounts and Registration

To access certain features of our services, you may be required to register for an account. When creating an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account

You are responsible for all activities that occur under your account.

5. User Conduct

You agree not to:

  • Use our services for any unlawful purpose or in violation of any laws
  • Provide false, misleading, or inaccurate information
  • Attempt to gain unauthorized access to our systems or networks
  • Use automated systems (bots, scrapers) to access our services without permission
  • Interfere with or disrupt the operation of our website or services
  • Impersonate any person or entity or misrepresent your affiliation
  • Use our services to transmit malware, viruses, or harmful code

6. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or reliability of any information provided through our services. Specifically:

  • Annuity calculations are estimates based on current market rates and the information you provide
  • Actual annuity rates and amounts may vary based on market conditions and individual circumstances
  • We do not guarantee the accuracy of any calculations or projections
  • You should verify all information with qualified financial professionals before making decisions

7. No Financial Advice

IMPORTANT: The information and tools provided on this website are for informational and educational purposes only and do not constitute financial advice, investment advice, or recommendations. You should:

  • Consult with a qualified financial adviser before making any decisions about your pension or retirement
  • Consider your personal circumstances and seek professional advice tailored to your situation
  • Understand that past performance is not indicative of future results
  • Be aware that annuity rates fluctuate and are subject to market conditions

8. Fees and Payment

Some of our services may be provided free of charge, while others may require payment. For paid services:

  • All fees are displayed in British Pounds (£)
  • Payment must be made in full before service delivery
  • Fees are non-refundable unless otherwise stated
  • We reserve the right to change our fees at any time

9. Intellectual Property Rights

The Site and its original content, features, and functionality are owned by Marcopesani LTD and are protected by international copyright, trademark, and other intellectual property laws. You may not:

  • Reproduce, distribute, or create derivative works from our content without permission
  • Use our trademarks, logos, or service marks without written authorization
  • Remove any copyright or proprietary notices from our materials

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such third-party content or services.

11. Limitation of Liability

To the maximum extent permitted by law, Marcopesani LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

  • Loss of profits, data, use, goodwill, or other intangible losses
  • Damages resulting from your use or inability to use our services
  • Damages resulting from any errors or inaccuracies in our calculations or information
  • Damages from unauthorized access to or alteration of your data
  • Financial losses resulting from decisions made based on information from our services

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount you paid to us, if any, in the 12 months preceding the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless Marcopesani LTD and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to:

  • Your violation of these Terms
  • Your use of our services
  • Your violation of any rights of another party
  • Your violation of any applicable laws or regulations

13. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the services will immediately cease.

14. Disclaimer of Warranties

Our services are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, or non-infringement
  • Warranties that our services will be uninterrupted, secure, or error-free
  • Warranties regarding the accuracy, reliability, or completeness of information

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect without being impaired or invalidated.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Marcopesani LTD regarding our services and supersede all prior and contemporaneous agreements, understandings, negotiations, and discussions.

19. Contact Information

For any questions about these Terms of Service, please contact us:

Marcopesani LTD
Email: [email protected]
Phone: 0800 032 9337
Address: State Route 18, Caulfield South VIC 3162, Australia