These Terms of Use govern your access to and use of Retirement Abroad UK (www.retirementabroad.co.uk) (the “Site”). By using the Site you agree to these terms. If you do not agree, please stop using the Site.

1. About the Site

The Site provides independent editorial information for people in the United Kingdom considering retirement abroad. It is operated by Multiligo Ltd, a company incorporated in Turkey under registration number 320202-5.

2. Information only — not advice

All content on the Site is provided for general information only. It is not financial, tax, legal, immigration or medical advice and must not be relied on as such. Visa rules, tax regimes, healthcare arrangements, exchange rates and cost-of-living figures change frequently. Before making any decision that depends on the information on this Site you should consult a suitably qualified professional in the relevant jurisdiction. See our Disclaimer for more.

3. Permitted use

You may:

• Read, save or print pages from the Site for your personal, non-commercial use;
• Share links to pages on the Site, provided the link is to the page on www.retirementabroad.co.uk and is not used in a way that suggests we endorse or are associated with you, your products or your services.

You must not:

• Copy, republish, scrape, mirror, distribute or otherwise commercially exploit the Site or any substantial part of its content without our prior written permission;
• Use the Site to build any kind of database, machine-learning dataset or competing product;
• Interfere with the Site, attempt to gain unauthorised access to it, transmit malware, or do anything that may damage or disrupt the Site or its users;
• Use any automated system (including scrapers, bots or crawlers) to access the Site in a way that adversely affects its performance or violates our robots policy.

4. Intellectual property

All editorial content, structure, design, code, illustrations and the “Retirement Abroad UK” brand are owned by or licensed to Multiligo Ltd and are protected by UK and international intellectual-property laws. All rights are reserved unless we expressly grant them in writing.

Country flags, government logos and third-party trademarks remain the property of their respective owners and are used only for identification.

5. Third-party links

The Site links to third-party websites (for example, government, embassy, tax-authority and statistics pages) for further information. We do not control these websites and we are not responsible for their content, accuracy or availability. Following a link is at your own risk.

6. User submissions

If you send us a message, suggestion or correction, you grant us a non-exclusive, royalty-free, worldwide licence to use that submission to operate and improve the Site. We will not publish your name without your consent. Please do not send us confidential or sensitive information — if you do, you do so at your own risk.

7. No warranties

The Site is provided on an “as is” and “as available” basis. We make reasonable efforts to keep information accurate and up to date but we do not warrant that the content is complete, accurate, current or error-free, or that the Site will be uninterrupted or virus-free. To the maximum extent permitted by law we exclude all implied warranties.

8. Limitation of liability

To the fullest extent permitted by applicable law, Multiligo Ltd and its directors, employees and contractors will not be liable for any loss or damage (including loss of profits, loss of opportunity, loss of data, or any indirect, special or consequential loss) arising out of or in connection with your use of, or inability to use, the Site or any content on it, even if we have been advised of the possibility of such loss.

Nothing in these terms limits or excludes our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law.

9. Privacy

Your use of the Site is also governed by our Privacy Policy and Cookie Policy.

10. Changes to these terms

We may update these Terms of Use from time to time. The version in force at the time you use the Site is the version published on this page. We will update the “Last updated” date when we make changes.

11. Governing law and jurisdiction

These terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England and Wales. The courts of England and Wales have non-exclusive jurisdiction over any such dispute. If you are a consumer resident in another part of the UK, you may also bring proceedings in your local courts.

12. Contact

For any questions about these Terms of Use, email info@multiligo.com.