Terms of service

 

Welcome to AlphaInvesting&Finance! These Terms of Use (“Terms”) govern your access to and use of our mobile application, website, and related services (collectively, the “Service”). Please read them carefully before using the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

About Us

The Service is operated by AlphaInvesting&Finance, a company registered in Portugal with registered office at [Full Address].
Email: alphainvestingfinance@gmail.com

Purpose of the Service

AlphaInvesting&Finance (this service) is a digital platform created to promote global financial literacy and provide users with educational resources, tools, and community spaces focused on finance, investing, and economics. The Service’s primary objective is to educate users and help them develop an informed understanding of financial markets, personal finance management, and investment principles in a responsible and accessible manner.

The Service includes, but is not limited to, the following educational components. Content can be added or removed at any given moment or notice.

• Learning Materials: Interactive lessons, guides, articles, videos, and infographics covering topics such as personal budgeting, saving, investing, risk management, financial planning, and global economic trends.
• Practical Tools and Simulations: Portfolio simulators, compound-interest calculators, and other virtual tools designed to help users practice financial concepts in a risk-free environment.
• Market Insights (for educational use only): Aggregated and simplified market data, news summaries, and analyses used to illustrate economic concepts or historical events for learning purposes.
• Community and Discussion Features: Forums, comment sections, or group discussions (where available) intended for peer-to-peer educational exchange and collaborative learning.
• Personalized Learning Paths: Recommendations or adaptive content based on the user’s learning progress, interests, or engagement—not financial advice or investment recommendations.

Important Clarifications

1. Educational Nature Only:
   All materials, data, or insights provided by AlphaInvesting&Finance are strictly for informational and educational purposes. They do not constitute investment, legal, tax, or financial advice.
2. No Professional Advisory Role:
   AlphaInvesting&Finance is not a broker, dealer, investment adviser, portfolio manager, or financial institution under Portuguese, EU, or any other jurisdiction’s financial regulations. The Service does not execute trades, offer investment products, or manage user assets.
3. Independent Judgment Required:
   Users are solely responsible for interpreting and applying the information provided. Any decision to invest, trade, or act financially based on content from the Service is made entirely at the user’s own risk.
   Users are encouraged to consult with qualified financial professionals before making real-world financial decisions.
4. Accuracy and Completeness:
   While AlphaInvesting&Finance strives to ensure that educational content is accurate and up to date, financial information changes rapidly. We make no guarantees regarding accuracy, completeness, or timeliness of information.
5. Global Access, Local Responsibility:
   The Service is available to users worldwide, but some educational content may refer to financial systems, instruments, or regulations specific to certain jurisdictions. Users are responsible for ensuring that their use of the Service complies with the laws applicable in their country.

AlphaInvesting&Finance provides educational content and tools related to finance, investing, and economic literacy.
The Service does not provide financial, investment, tax, or legal advice. Any information provided is for informational and educational purposes only. You are solely responsible for your own financial decisions.

User Eligibility and Access

By using this App, you represent and warrant that you are at least eighteen (18) years of age and are otherwise capable of forming a binding contract under applicable law. We reserve the right to refuse service, terminate accounts, or cancel access at our sole discretion, including, without limitation, if we believe that user conduct violates applicable law or is harmful to our interests. This App is intended for use in jurisdictions where the use of this App is legal. You are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

Accounts and Security

You may need to create an account to access certain features. You are responsible for keeping your login credentials secure and for all activities under your account.

If you believe your account has been compromised, contact us immediately at alphainvestingfinance@gmail.com

You will be contacted inside 3 business days to handle any situation.

Acceptable Use

You agree not to:

• Use the Service for any unlawful, misleading, or fraudulent purpose;

• Post or transmit harmful, defamatory, or misleading content;

• Reverse-engineer, copy, or distribute the app or its materials without permission;

• Interfere with the operation of the Service or with other users.

• Interfering with or disrupting the integrity or performance of the App or the data contained therein, including attempting to gain unauthorized access to our systems or the accounts of other users.

• Introducing malicious software, such as viruses or worms, or engaging in denial-of-service attacks. Scraping, harvesting, or otherwise collecting data from the App for commercial purposes without our express written consent. 

• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity. 

We reserve the right to suspend or terminate accounts that violate these Terms at any given moment without justification.

Intellectual Property

All content available on the Service — including text, graphics, logos, videos, and software — is the property of AlphaInvesting&Finance  or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal and non-commercial purposes only.

 

Personal Responsibility and Decisions

You are solely responsible for all decisions made in connection with your investment activities, including capital allocations, security selections, and portfolio management. We accept no liability whatsoever for any loss or damage (including, without limitation, any loss of profit) which may arise directly or indirectly from the use of or reliance on the information contained in the App.

Data Accuracy and Reliability

• Third-Party Data: All market data (including, but not limited to, price quotes, historical data, news articles, and company information) is provided by third-party sources.

• No Guarantee: We do not guarantee the accuracy, completeness, timeliness, or reliability of any data displayed in the App. Data may be delayed, erroneous, or subject to human or mechanical error.

• Use at Your Own Risk: You acknowledge that any reliance on the information provided in this App is at your own risk. We expressly disclaim all liability for errors or omissions in the data.

 

 

Educational Disclaimer

The Service provides educational information about finance and investing but is not a substitute for professional advice.
We do not make recommendations to buy, sell, or hold any securities or financial instruments.
You should consult with a qualified financial advisor or other professional before making financial decisions.

International Use

 

The Service is accessible worldwide, but some features or content may not be available in all countries. We make no representation that the App or its content is appropriate or available for use in other locations. If you choose to access the App from outside of Portugal, you do so on your own initiative and are solely responsible for compliance with all applicable local laws, including but not limited to, regulations governing investment advisors, brokers, financial services, and the import/export of data. Due to the complex, jurisdiction-specific nature of financial regulation, this App is not intended for use in any jurisdiction where its operation would be contrary to local laws or regulations.

 

Privacy

Your use of the App is also governed by our separate **Privacy Policy**, which is incorporated by reference into this Disclaimer. The Privacy Policy explains how we collect, use, and disclose information about you, including your personal information and usage data. We may collect information such as account details, usage metrics, and portfolio data solely for the purpose of providing and improving the App's services. By using the App, you consent to the data practices described in the Privacy Policy. We strongly encourage you to review the Privacy Policy frequently.

Limitation of Liability

To the maximum extent permitted by law, AlphaInvesting&Finance its directors, employees, and partners will not be liable for any indirect, incidental, or consequential damages resulting from:

• The use or inability to use the Service;

• Reliance on educational materials or tools;

• Any errors, omissions, or interruptions in the Service.

No Warranties

The Service is provided “as is” and “as available,” without any warranties of any kind, express or implied. We do not guarantee uninterrupted or error-free operation or the accuracy of the information provided.

 

Calculations and Modeling

The portfolio tracking and analytical tools within the App are based on mathematical models and estimates. These models may not reflect actual trading costs, taxes, liquidity constraints, or market realities. The results of any calculations or simulations should be viewed as estimates only and should not be relied upon for making real-world trading decisions

 

Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or harms the Service or other users. Without justification, without appeal, without reimbursement.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Portugal, without regard to conflict-of-law principles.
Any disputes arising from or relating to these Terms shall be resolved exclusively by the courts of Lisbon, Portugal.

Changes to These Terms

We may update these Terms periodically. The revised version will be effective as of the “Last Updated” date above.
Continued use of the Service after updates constitutes acceptance of the new Terms.

15. Contact

For questions, comments, or complaints regarding these Terms, please contact us at:
Email: alphainvestingfinance@gmail.com 
Address: [Your Company Name], [Full Address], Portugal

 

By using AlphaInvesting&Finance you confirm that you have read, understood, and agree to these Terms of Use.