These Terms of Use ("Terms") govern your access to and use of the Meus Finanças website at meusfinancas.com (the "Site"), operated by Meus Finanças, R. de Augusto Rosa 79, 4000-098 Porto, Portugal. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
Meus Finanças is an educational digital platform providing information and tools to help Portuguese families understand financial concepts related to significant life transitions, including divorce, retirement, and family emigration. The Site is intended for informational and educational purposes only.
Nothing on this Site constitutes financial advice, legal advice, tax advice, or any other form of professional advice. The content and tools, including the savings simulator, are provided for educational illustration purposes only. You should always consult a qualified professional before making any financial, legal, or tax decision.
The Site is intended for use by adults aged 18 and over. By using the Site, you confirm that you are at least 18 years of age. If you are under 18, please do not use the Site.
You may access and use the Site for personal, non-commercial, educational purposes. You agree not to:
All content on the Site, including text, graphics, logos, icons, images, and software, is the property of Meus Finanças or its content suppliers and is protected by Portuguese and international intellectual property law. You may view, download, and print content for your personal, non-commercial use only, provided you do not modify the content and you retain all copyright and other proprietary notices.
The savings simulator available on the Site is an educational tool that provides simplified mathematical illustrations of how savings accumulate over time under hypothetical conditions. It does not account for taxes, inflation, fees, product-specific terms, or any other real-world variables. The results produced by the simulator are not financial projections, forecasts, or recommendations. They are provided solely to illustrate general financial concepts in an accessible way.
The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. To the fullest extent permitted by Portuguese law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by applicable law, Meus Finanças shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site or its content, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of the Site shall not exceed the amount you have paid us, if any, in the twelve months preceding the claim.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Portuguese consumer protection law.
The Site may contain links to third-party websites for informational purposes. These links do not constitute endorsement of those sites or their content. We have no control over third-party sites and accept no responsibility for their content, privacy practices, or availability.
We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time. When we make material changes, we will update the "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
These Terms are governed by and construed in accordance with the laws of Portugal. Any disputes arising from or in connection with these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Porto, Portugal, without prejudice to mandatory consumer protection provisions that may apply.
For questions about these Terms, please contact us:
Meus Finanças
R. de Augusto Rosa 79, 4000-098 Porto, Portugal
Email: info@meusfinancas.com
Phone: +351 220 175 180