Terms of Use

1. Acceptance of Terms

By accessing or using the FinançasTech website at financastech.com and any associated platform or services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or platform. These terms are governed by Portuguese law and applicable European Union legislation.

2. Nature of the Service

FinançasTech provides an informational and diagnostic service. The platform calculates financial health indicators based on data you provide and presents those indicators for your own reference and understanding. This service is informational in nature. FinançasTech does not provide financial advice, investment recommendations, tax advice, legal advice, or any other form of regulated financial service. Nothing on this website or platform should be construed as a recommendation to take or refrain from taking any financial action.

3. Eligibility

You must be at least 18 years of age to use the FinançasTech platform. By using the service, you represent that you meet this requirement. The service is intended for personal, non-commercial use by individuals seeking to understand their own financial health indicators.

4. User Responsibilities

You are responsible for the accuracy of the financial data you enter into the platform. The quality and usefulness of the diagnostic indicators depend entirely on the accuracy of the data you provide. You agree not to enter false, misleading, or fraudulent information. You are also responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

5. Intellectual Property

All content on the FinançasTech website and platform, including text, graphics, logos, icons, and software, is the property of FinançasTech or its content suppliers and is protected by applicable intellectual property law. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent. Personal use for reference purposes is permitted.

6. Limitation of Liability

The financial indicators calculated by FinançasTech are derived from data you provide and are presented for informational purposes only. FinançasTech makes no representation that these indicators are accurate, complete, or suitable for any particular purpose. To the fullest extent permitted by applicable law, FinançasTech shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on the platform or its outputs.

FinançasTech is not a financial institution, investment firm, or regulated financial adviser. Any decisions you make based on information from this platform are made entirely at your own discretion and risk.

7. Third-Party Links

Our website may contain links to third-party websites for informational purposes. These links do not constitute an endorsement of those websites or their content. FinançasTech has no control over the content of linked sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

8. Availability and Modifications

We aim to maintain the website and platform in continuous operation but cannot guarantee uninterrupted availability. We reserve the right to modify, suspend, or discontinue any part of the service at any time. We will endeavour to provide reasonable notice of significant changes where possible.

9. Privacy

Your use of the FinançasTech platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data practices.

10. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Portugal. Any disputes arising from or relating to these terms or your use of the platform shall be subject to the exclusive jurisdiction of the courts of Porto, Portugal, without prejudice to your rights as a consumer under applicable European Union law.

11. Changes to These Terms

We may revise these Terms of Use at any time. The date of the most recent revision is shown at the top of this page. Continued use of the website or platform following any revision constitutes your acceptance of the updated terms.

12. Contact

For questions about these Terms of Use, contact us at info@financastech.com or write to FinançasTech, R. de S. João 8, 4050-551 Porto, Portugal.