Terms of Use

Last Updated: 7 March 2026

1. Acceptance of Terms

By accessing or using the Estratégia Dinheiro website and platform, located at estrategiadinheiro.com, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the platform. These terms are governed by Portuguese law and applicable European Union regulations.

2. Nature of the Platform

Estratégia Dinheiro is an informational and educational platform designed to allow users to explore hypothetical personal finance scenarios through interactive simulation tools. The platform is intended for educational and illustrative purposes only.

Nothing on this platform constitutes financial advice, investment advice, tax advice, legal advice, or any other form of regulated financial guidance. All simulations are based on hypothetical data and illustrative projections. Results produced by the simulators do not represent predictions, guarantees, or recommendations of any kind.

Users are strongly encouraged to consult qualified financial professionals before making any financial decisions. The platform is a thinking and exploration tool only.

3. Permitted Use

You may use this platform for personal, educational, and non-commercial purposes. You may not use the platform in any way that violates applicable laws or regulations, infringes on the rights of others, or interferes with the operation of the platform. Automated access, scraping, or systematic extraction of content from this platform is prohibited without prior written consent.

4. Intellectual Property

All content on this platform, including text, graphics, logos, icons, images, and software, is the property of Estratégia Dinheiro or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this platform without express written permission.

5. Disclaimer of Warranties

The platform is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, or suitability of any information presented on the platform for any particular purpose.

Simulation results are illustrative only and are based on the hypothetical inputs provided by the user. They do not reflect actual financial outcomes and should not be relied upon as a basis for financial decisions.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Estratégia Dinheiro shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the platform, including any reliance on information presented through the simulation tools. This limitation applies regardless of the legal theory under which the claim is brought.

7. Third-Party Links and Services

The platform may contain links to third-party websites or services. These links are provided for convenience only and do not constitute an endorsement of the linked sites or their content. We have no control over third-party websites and accept no responsibility for their content, privacy practices, or availability.

8. Modifications to the Platform

We reserve the right to modify, suspend, or discontinue any part of the platform at any time without prior notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the platform or any part thereof.

9. Changes to These Terms

We may revise these Terms of Use at any time. The date at the top of this page indicates when the terms were last updated. Continued use of the platform following any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

10. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Portugal, without regard to conflict of law principles. Any disputes arising from these terms or your use of the platform shall be subject to the exclusive jurisdiction of the courts of Portugal, unless otherwise required by mandatory consumer protection law.

11. Contact

For any questions regarding these Terms of Use, please contact us at info@estrategiadinheiro.com or R. Eduardo Joaquim Reis Figueira 750, 4440-647 Valongo, Portugal.