Disclaimer – Třetí Pilíř Poradce

Poslední aktualizace: 21. března 2026

Obecný Disclaimer

This Disclaimer applies to the use of Třetí Pilíř Poradce and its content. We provide information about supplementary pension savings (doplňkové penzijní spoření), the third pillar (třetí pilíř), state contributions (státní příspěvek), tax deductions (daňový odpočet), and the choice between transformovaný fond and účastnický fond for general informational purposes only. The content on our website is intended to help you understand the Czech pension system, but it does not constitute comprehensive financial advice tailored to your individual circumstances.

We strive to provide accurate and up-to-date information regarding pension regulations, contribution conditions, and tax incentives as they existed on the date of publication. However, pension laws and regulations are subject to change, and we cannot guarantee that all information remains current. We recommend consulting with qualified financial advisors or official government sources before making significant decisions about your retirement savings.

Beze Odborného Poradenství

The information presented on our platform does not constitute professional financial, legal, or tax advice. We do not assess your personal financial situation, goals, risk tolerance, or investment timeline. Our content serves an educational purpose and should not be used as a substitute for personalized consultation with licensed financial advisors, tax specialists, or pension fund providers. Every individual’s circumstances are unique, and what may be suitable for one person may not be appropriate for another.

We particularly emphasize that decisions regarding the choice between transformovaný fond (transformed pension fund) and účastnický fond (participant fund), evaluation of state contribution eligibility, or tax deduction optimization require professional guidance. We recommend that you consult with your financial advisor, tax professional, or your pension fund administrator before making any decisions related to your supplementary pension savings. We cannot be held responsible for financial outcomes resulting from decisions made based solely on our informational content.

Omezení Odpovědnosti

We disclaim all liability for any direct, indirect, incidental, special, or consequential damages arising from your use of our website, reliance on the information provided, or inability to access our content. This includes losses resulting from incorrect financial decisions, missed tax deduction opportunities, or unfavorable pension fund selection based on information found on our platform. Our liability is limited to the maximum extent permitted by applicable Czech law.

We do not guarantee that our website will be error-free, uninterrupted, or free from harmful elements. We are not responsible for the accuracy, completeness, or timeliness of information regarding pension regulations, state contribution conditions, or tax incentives. While we make reasonable efforts to maintain accurate content, pension law is complex and subject to frequent changes. We strongly encourage you to verify critical information through official sources such as the Czech Social Security Administration (Česká správa sociálního zabezpečení) or the Ministry of Finance before taking any action. Your use of our website is at your own risk, and we assume no responsibility for any consequences resulting from such use.

Změny Disclaimer

We reserve the right to modify this Disclaimer at any time without prior notice. Any changes will become effective immediately upon posting to our website. We recommend reviewing this page periodically to stay informed of any updates. Your continued use of our website following the posting of changes constitutes your acceptance of the modified Disclaimer. If you do not agree with any modifications, you should cease using our website and services.

Právní Upozornění ohledně Regulace

We are not a licensed financial advisor, insurance broker, or pension fund administrator. Our website provides general educational information about the Czech supplementary pension system and does not constitute an offer or recommendation to buy or sell any financial products. Information about state contributions (státní příspěvek), tax deductions (daňový odpočet), transformovaný fond, or účastnický fond is presented for informational purposes only. All investment and pension-related decisions should be made in consultation with appropriate financial professionals who are registered and regulated by the relevant Czech authorities.