These Terms of Use may be updated from time to time.

1. Ownership of Content

All text, tables, images, calculations, and formatting on this site (including pension calculators and explanatory notes) are the intellectual property of AIRBIOPF and/or the author, unless otherwise stated.

2. Personal Use Only

Visitors may read, download, or print content for their personal, non‑commercial use.

3. No Unauthorized Reproduction
Republishing articles, copying tables, screenshots, or images, or using this content in videos, blogs, or presentations without prior written permission is not allowed.

4. Limited Quotation with Credit
Short excerpts (up to 10% of an article) may be quoted with clear credit and a link back to the original page on this site.

5. Use in Videos and Social Media
Use of this content in YouTube videos or other social media (including reading out articles, using tables, or showing screenshots) requires prior written permission and proper attribution.

6. Reporting Misuse
If you find this content being used elsewhere without credit, please inform us through the contact details provided on this site.

7. Changes to These Terms
These Terms of Use may be updated from time to time. Continued use of the site implies acceptance of the latest version.he latest version.