1. Agreement

By accessing or using www.retiredestinations.com (the "Site"), you agree to be bound by these Terms of Service (the "Terms"). If you do not agree, please do not use the Site.

The Site is operated by Multiligo Reklam Bilişim Pazarlama ve Danışmanlık Limited Şirketi, a limited company registered in Turkey under number 320202-5, with registered office at Acıbadem Mah. Çeçen Sk. Akasya A Kule Kent Etabı Blok 25A/150, Üsküdar, Istanbul, Turkey.

2. What the site offers

Retire Destinations is an independent editorial platform that researches and compares retirement-friendly destinations worldwide. We publish destination guides, retiree visa information, cost-of-living estimates, healthcare overviews and a personalised matching wizard.

3. Editorial nature — not professional advice

All content on the Site is published for informational and educational purposes only. It is not financial, tax, legal, medical, immigration or investment advice. You should always consult a qualified professional and the relevant government authority before making any retirement, relocation, tax, legal or medical decision.

Cost, visa and healthcare figures are public-source estimates and may be inaccurate or outdated. We make no warranty as to their correctness. See our Disclaimer for full detail.

4. Acceptable use

When using the Site, you agree not to:

• Use it for any unlawful, fraudulent or harmful purpose;
• Attempt to interfere with the Site's operation, security or availability;
• Scrape, mirror, frame or republish substantial portions of the Site without our written permission;
• Use automated tools (bots, crawlers) in a way that disrupts service or exceeds reasonable rate limits;
• Upload viruses, malware or any code intended to damage the Site or its users;
• Misrepresent your identity or impersonate any person or entity.

5. Intellectual property

All editorial content on the Site — text, graphics, logos, the wizard scoring methodology and code — is owned by or licensed to Multiligo and is protected by Turkish, EU and international copyright law. You may view, print and quote short extracts for personal, non-commercial use with attribution and a link back to the source page. All other use requires our prior written permission.

Third-party trademarks (country names, hospital names, visa programs, place names) remain the property of their respective owners and are used only for identification and editorial reference.

6. User submissions

If you submit a message via the contact form, email, or newsletter form, you grant us a limited, non-exclusive licence to read, store and respond to your submission. We treat personal data as described in our Privacy Policy.

7. Third-party links

The Site links to external resources — government immigration portals, hospital websites, cost-of-living indices and others — to help you verify our content. We have no control over these third-party sites and accept no responsibility for their content, accuracy, availability or privacy practices.

8. No affiliate or referral arrangements (currently)

As of the "Last updated" date, Retire Destinations is affiliate-free. No destination, visa programme, insurance provider or other service is featured in exchange for payment. If we add affiliate or referral arrangements in the future, we will disclose them clearly on the relevant page.

9. Disclaimer of warranties

The Site is provided "as is" and "as available", without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or that the content is accurate, complete or current.

10. Limitation of liability

To the maximum extent permitted by law, Multiligo, its directors, employees and contractors shall not be liable for any indirect, incidental, consequential, special or exemplary damages — including loss of profits, data, goodwill or other intangible losses — arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, or any other liability that cannot be limited under applicable law.

11. Indemnity

You agree to indemnify and hold Multiligo harmless from any claim, loss, liability, damage or expense (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Site.

12. Termination

We may suspend or restrict access to the Site, in whole or in part, at any time and without notice — for example to perform maintenance, to address security issues, or to comply with legal obligations.

13. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of Turkey, without regard to its conflict-of-laws rules. The courts of Istanbul, Turkey shall have exclusive jurisdiction over any dispute arising under or in connection with these Terms, subject to mandatory consumer-protection rules in your country of residence.

14. Changes to these terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent change. Continued use of the Site after a change constitutes acceptance of the updated Terms.

15. Contact

Operator: Multiligo Reklam Bilişim Pazarlama ve Danışmanlık Limited Şirketi
Acıbadem Mah. Çeçen Sk. Akasya A Kule Kent Etabı Blok 25A/150, Üsküdar, Istanbul, Turkey
Turkey trade registry: 320202-5
UK ICO reference: ZC121768
Email: info@multiligo.com