Terms and Conditions
Last updated: January 2026
These Terms and Conditions govern the use of the website fracvanto.com, operated by Fracvanto, Lda.
1. Acceptance of Terms
By accessing and using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use the website.
2. Description of Service
Fracvanto is an educational platform dedicated to promoting financial literacy in Portugal. We provide:
- Educational content about personal financial management
- Informative articles and resources
- Newsletter with financial updates and tips
3. Disclaimer
IMPORTANT: Fracvanto does not provide financial, investment, or advisory services. All content provided is exclusively educational and informational in nature. We are not responsible for financial decisions made based on our content.
4. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Fracvanto, Lda. or its licensors and is protected by copyright and other intellectual property laws.
5. Acceptable Use
You agree to use this website only for lawful purposes and in a manner that does not:
- Infringe the rights of third parties
- Restrict or inhibit the use of the website by others
- Be harmful, fraudulent, or deceptive
6. External Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of those websites.
7. Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes take effect immediately upon publication on the website.
8. Applicable Law
These Terms and Conditions are governed by Portuguese law. Any dispute shall be submitted to the exclusive jurisdiction of the Portuguese courts.
9. Contact
For questions about these Terms and Conditions, contact us at: info@fracvanto.com