Disclaimer & Disclosures

Last updated: June 15, 2026  ·  Effective: June 15, 2026

1. Informational Purposes Only

RetireSmart AI does not provide financial, tax, legal, immigration, or investment advice. Every projection, score, comparison, and recommendation generated by the Service — including savings runway, "Best Match" scoring, pension estimates, and cost-of-living comparisons — is an illustrative estimate based on simplifying assumptions. These assumptions may not reflect your personal circumstances, risk tolerance, health, family situation, or financial position.

Nothing in the Service should be interpreted as a recommendation to relocate, retire, invest, claim a pension at a particular age, or take any other specific action.

2. Not a Financial, Tax, or Legal Adviser

i360HD and RetireSmart AI are not a registered investment adviser, broker-dealer, financial planner, accountant, tax professional, or law firm, and no part of the Service constitutes the practice of any such profession. We do not know your full financial picture and cannot account for it.

Before making any decision about retirement, relocation, pension timing, taxation, or immigration status, you should consult:

• A qualified, licensed financial adviser in your jurisdiction
• A tax professional familiar with both your origin and destination countries
• Immigration counsel or a licensed visa consultant for your specific destination
• A licensed insurance or healthcare adviser for international health coverage

3. Data Accuracy & Currency

Cost-of-living indices, visa income and asset requirements, minimum stay and renewal rules, tax treaty summaries, pension claim ages and reduction/deferral rates, and healthcare cost estimates are compiled from public sources and AI-assisted research, and may be outdated, incomplete, or inaccurate at any given time. Visa and immigration rules in particular change frequently and without notice.

Always verify current requirements directly with the relevant government, consulate, or official program website before making any application, purchase, or relocation decision. Where available, we link to official government sources on each visa card — these links are provided for convenience and we are not responsible for their content or availability.

4. Exchange Rates

Currency conversions shown throughout the Service are fetched from third-party exchange rate providers and are indicative only, refreshed periodically and cached in your browser. They do not reflect the rates, spreads, or fees you will actually receive from a bank, broker, or money transfer service. Always obtain a live quote from your financial institution before transferring funds internationally.

5. AI-Generated Content

Some content in the Service — including visa summaries, destination descriptions, and retirement insights — is generated or assisted by AI models (including the Anthropic Claude API) based on underlying data we maintain. AI-generated content can contain errors, omissions, or outdated information, and should be treated as a starting point for your own research rather than a verified fact.

6. Affiliate Disclosure

This site contains affiliate links, including but not limited to links related to health insurance, accommodation (such as Booking.com and Airbnb), and other relocation-related services. If you click an affiliate link and make a purchase or booking, we may earn a commission at no additional cost to you.

Affiliate relationships do not influence our editorial content, destination data, or scoring methodology. We do not accept payment in exchange for favorable treatment of any destination, visa pathway, or service provider.

7. No Guarantee of Outcomes

We make no representation or warranty that any visa application, relocation, retirement plan, or financial outcome modeled in the Service will be successful, accurate, or achievable. Visa approvals, pension entitlements, and tax treatment depend on government discretion, individual circumstances, and rules that may change after you use the Service.

8. Limitation of Liability

To the fullest extent permitted by law, i360HD and RetireSmart AI disclaim all liability for any loss or damage — financial, legal, or otherwise — arising from your use of, or reliance on, information provided by the Service, including decisions made about retirement, relocation, visas, pensions, or investments.

9. Changes to This Disclaimer

We may update this Disclaimer & Disclosures page from time to time as the Service evolves. We will update the "Last updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the updated disclaimer.

10. Contact

If you have questions about this Disclaimer, contact us at:
support@retiresmart-ai.com