Terms & Conditions

1. Acceptance of Terms

By accessing and using the website guardmadi.com ("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 Services

The Guardmadi Website provides:

• Educational content about financial literacy
• Information about personal finance management
• Newsletter with tips and updates about the financial sector

3. Use of the Website

By using our Website, you agree to:

• Provide true and up-to-date information
• Not use the Website for illegal or unauthorized purposes
• Not attempt to interfere with the Website's operation
• Not reproduce or distribute content without authorization

4. Intellectual Property

All content on the Website, including text, graphics, logos, images and software, is the property of Guardmadi or its licensors and is protected by Portuguese and international intellectual property laws.

5. Disclaimer

The Website content is provided "as is" without warranties of any kind. Guardmadi does not guarantee the accuracy, completeness or timeliness of the information. Use of the content is at the user's sole responsibility.

• Materials are educational and do not constitute investment advice
• Potential returns involve risks that should be considered
• We recommend consulting qualified professionals for financial decisions

6. Limitation of Liability

Guardmadi shall not be liable for any direct, indirect, incidental or consequential damages resulting from the use or inability to use the Website or its content.

7. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.

8. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect immediately upon publication on the Website.

9. Applicable Law

These Terms are governed by Portuguese law. Any disputes shall be submitted to the exclusive jurisdiction of the courts of Lisbon, Portugal.

10. Contact

For questions about these Terms, contact us:

Email: legal@guardmadi.com

Address: Avenida da Liberdade, 245, 2nd Floor, 1250-143 Lisbon, Portugal