Terms & Conditions — Zalvantez

These Terms and Conditions govern access to and use of the website zalvantez.com, operated by Zalvantez, Lda., headquartered at Rua Augusta, 274, 2nd floor, 1100-053 Lisbon, Portugal, NIPC 517 432 891. By accessing and using this website, you agree to be bound by these terms.

1. Purpose

The website zalvantez.com is an informational and educational platform dedicated to promoting financial literacy among Portuguese citizens. We provide articles, guides, analyses, and educational tools on personal financial management.

2. Nature of Content

All content published on this website is exclusively educational and informational in nature. We do not provide financial, investment, tax advisory, or any form of regulated professional advice. The materials provided do not constitute investment advice and should not be interpreted as such. Any financial decisions should be made after consulting with duly qualified professionals.

3. Intellectual Property

All website content — including text, graphics, logos, images, data compilations, and software — is the property of Zalvantez, Lda. or its licensors and is protected by Portuguese and European intellectual property laws. Reproduction, distribution, or modification without prior written authorisation is prohibited.

4. Liability

Zalvantez makes every effort to ensure the accuracy and timeliness of the information published. However, we do not guarantee that the content is free from errors, complete, or permanently up to date. The use of the information provided is the sole responsibility of the user. We are not liable for any losses or damages resulting from the direct or indirect use of information contained on this website, including financial losses.

5. Links to Third-Party Websites

Our website may contain links to third-party websites. These links are provided for your convenience and do not imply any endorsement of or responsibility for the content of those websites. We recommend reading the privacy policies and terms of use of any third-party websites you visit.

6. Acceptable Use

By using this website, you agree to: • Not use the site for illegal or unauthorised purposes. • Not attempt to gain unauthorised access to systems or data. • Not introduce viruses or malicious code. • Not reproduce or distribute content without authorisation. • Not use automated mechanisms to extract data from the website.

7. Applicable Law and Jurisdiction

These Terms and Conditions are governed by Portuguese law. For the resolution of any disputes arising from the use of this website, the courts of the district of Lisbon, Portugal, shall have exclusive jurisdiction, with express waiver of any other forum.

8. Amendments

Zalvantez reserves the right to modify these Terms and Conditions at any time. Amendments take effect from the date of their publication on the website. Continued use of the website after the publication of amendments constitutes acceptance of the new terms.

9. Contact

For questions regarding these Terms and Conditions, contact us: Zalvantez, Lda. Rua Augusta, 274, 2nd floor 1100-053 Lisbon, Portugal Email: legal@zalvantez.com Telephone: +351 210 456 789