By accessing or using the OtimizaFinanças website at otimizafinancas.com and any associated platform services (collectively, the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
These Terms of Service are governed by Portuguese law and applicable European Union regulations. The entity responsible for the Service is OtimizaFinanças, with registered address at R. Albino Lapa 1B, 2610-301 Amadora, Portugal.
OtimizaFinanças is a behavioural financial literacy platform. The Service analyses patterns in your financial transaction data and generates personalised, informational reports about your spending behaviour, saving patterns and everyday money management habits.
The Service is strictly informational and educational in nature. OtimizaFinanças does not provide financial advice, investment recommendations, tax guidance, credit assessment, or any form of regulated financial service. Nothing in the reports or on the website should be construed as financial advice.
To use the Service, you must be at least 18 years of age and have the legal capacity to enter into binding agreements under Portuguese law. By using the Service, you represent and warrant that you meet these eligibility requirements.
Certain features of the Service require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at info@otimizafinancas.com if you become aware of any unauthorised use of your account.
You agree to provide accurate, current and complete information during registration and to keep this information updated. We reserve the right to suspend or terminate accounts that contain inaccurate information or that have been used in violation of these Terms.
When you connect financial accounts or upload transaction data, you grant OtimizaFinanças a limited licence to process that data for the sole purpose of generating your personalised reports. You retain full ownership of your financial data at all times.
You represent that you have the right to provide any financial data you submit to the platform. You agree not to submit data belonging to other individuals without their explicit consent.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
All content on the OtimizaFinanças website and platform, including but not limited to text, graphics, logos, software, algorithms and report templates, is the property of OtimizaFinanças and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify or create derivative works without our prior written consent.
Your personalised reports are generated for your personal, non-commercial use. You may download and retain copies of your own reports for personal reference.
The Service is provided on an "as is" and "as available" basis. OtimizaFinanças makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness or reliability of the information provided through the Service.
The behavioural analysis and reports generated by the platform are based on the data you provide and are intended for informational purposes only. They do not constitute financial advice and should not be relied upon as the sole basis for any financial decision.
To the fullest extent permitted by applicable Portuguese law, OtimizaFinanças shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of the Service. Our total liability for any claim arising from your use of the Service shall not exceed the amount paid by you for the Service in the 12 months preceding the claim.
We reserve the right to modify, suspend or discontinue any part of the Service at any time with reasonable notice where possible. We do not guarantee that the Service will be available at all times or without interruption.
You may terminate your account at any time by contacting us at info@otimizafinancas.com. We reserve the right to suspend or terminate your access to the Service if you breach these Terms, with or without prior notice depending on the severity of the breach.
These Terms of Service are governed by and construed in accordance with the laws of Portugal. Any disputes arising from or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the Portuguese courts, specifically the courts of Amadora, without prejudice to any mandatory consumer protection rights you may have under applicable EU law.
We may update these Terms of Service from time to time. We will notify registered users of material changes by email or through the platform. Continued use of the Service after changes take effect constitutes your acceptance of the updated Terms.
For questions about these Terms of Service, please contact us at: