Terms of use, your precaution

Terms of Use

For the sake of readability, the simultaneous use of male and female forms is dispensed with.

Terms and conditions

Liability for content

Liability for links

This website contains links to external websites of third parties. For the contents of the linked pages always the respective operator of the site is responsible. At the time of linking, the linked content was reviewed and legal violations were not detected. Since the provider has no influence over the websites of third parties, he can not assume any lasting liability for their contents. A permanent monitoring of the linked pages is not reasonable without concrete indications of an infringement. Upon notification of rights violations, such links will be removed promptly.


The contents of this website are protected by copyright. Use is permitted only for private, non-commercial use. Any other use, in particular the duplication, processing, translation, storage, distribution, public access or reproduction of content in databases or other electronic media and systems requires the written consent of the publisher. The presentation of this website in frames or iframes is not permitted.

image rights

Unless otherwise stated, the rights to the images and graphics are with the publisher. Distribution of the contents only with the written permission of the publisher.

Terms of Use of the Expert Forum


In the expert forum, you can ask questions about all areas of old-age provision – statutory pension, occupational and private pensions – as well as about rehabilitation and exchange information with other users. Experienced experts of the regional carriers of the German pension insurance and the German pension insurance Knappschaft-Bahn-See are at your disposal. These moderate the forums, engage in ongoing discussions as needed, and provide useful suggestions and advice.

Please note: Experts can only provide general information about the content of the questions. The answers are non-binding and can not constitute advice for individual cases. Even a claim to a certain benefit can not be derived from it. In order to receive comprehensive and legally binding advice, it is essential that you seek advice from the local authority. We have compiled a list of all consulting options for you (Link).

The purpose of the forum is that people ask questions about retirement, retirement and rehabilitation. The forum is not a stage for political discussions. Some of our users are seriously ill, in need or in need of unemployment. It should therefore be maintained among the users a peaceful and respectful dealings without insulting hostility and insinuations.

Your entries are public and can be read by anyone – not just the experts. Therefore, please do not enter any personal details such as your pension insurance number.

For the use of the forum your-vorsorge.de the following conditions apply:


Services of the provider

The provider allows the user to post on his website under these terms of use. To this end, he provides a discussion forum free of charge within the scope of his technical and economic possibilities.

The provider endeavors to keep his service available, but does not assume any additional obligations. In particular, there is no entitlement of the user to a permanent availability of the service.

The provider reserves the right to change the content and structure of the platform as well as the associated user interfaces if this does not or only insignificantly impair the fulfillment of the purpose of the license agreement.

The provider assumes no responsibility for the accuracy, completeness, reliability, timeliness and usability of the content provided.

Duties of users

The user undertakes not to publish any contributions that violate applicable law or common decency. The user undertakes in particular not to publish any contributions,

  • whose publication constitutes a criminal offense or constitutes a misdemeanor,
  • which violate copyright, trademark or competition law,
  • have untrue, offensive, racist, discriminatory or pornographic content,
  • contain the advertising.

In case of a breach of these obligations, the provider is entitled to modify or remove the corresponding contributions.

The user is obliged to compensate the provider for the damage caused by a culpable breach of duty according to the statutory provisions. The user indemnifies the provider to the extent of claims of third parties, of whatever kind, because of a violation of third party rights caused by the user and undertakes to assist the provider in the defense of such claims, The indemnification obligation also includes the obligation, the provider of legal defense costs completely indemnify (eg court and attorney’s fees).

Protection of sensitive and personal data

As a user, you agree to review, before publishing your posts and topics, whether they contain information you do not want to post. Your contributions and topics can be captured in search engines and thus become accessible worldwide. A claim for deletion or correction of such search engine entries to the provider is excluded.

Any data that allows conclusions to be drawn to a real person is confidential. To protect those affected, personal information, such as Names, addresses, phone numbers and e-mail addresses will not be published in the forum.

If a user publishes information about himself, he agrees to the data processing associated with the use of the forum (see Privacy Policy).

Storage of the IP address

The forum wants to help people quickly without barriers. Therefore, the provider waives a registration, but stores in return for the purpose of prosecution for violations of these Terms of Use, the IP address of the users. These will only be transmitted to third parties for the purpose of asserting, exercising or defending legal claims or prosecuting offenses. By using this forum the user agrees to the storage of his IP address.

Transfer of rights of use

As far as contributions of a user are copyrightable, the copyright remains with the user. The user grants the provider with setting the contribution free of charge, the spatially and temporally unlimited, irrevocable and transferable right to make the contribution on the website of the provider and the websites of the German pension insurance to the public. In addition, the user grants the provider the right to edit, move and remove his contribution.

Liability of the provider

The provider assumes no responsibility for the content, accuracy and form of individual contributions and opinions expressed in the forums. The responsibility for the content posted in the forum lies solely with the users.

The provider is liable for intent and gross negligence.

For simple negligence, the provider is liable – except in the case of injury to life, limb or health – only if material contractual obligations (cardinal obligations) are violated. The liability is limited to the contractually typical and foreseeable damage.

Any further liability than in this contract is – excluding the legal nature of the asserted claim – excluded. A legally mandatory fault-free liability remains unaffected.

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