Terms and Conditions
Financial education, not financial advice.
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Terms and Conditions
Last updated: 4, July, 2025
1. Agreement to Terms
By accessing and using www.emanuelbalsa.com (the "Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Company Information
This Website is operated by Emanuel Balsa ("we," "us," or "our"). We are a Portugal-based educational company providing financial education content, courses, and related materials.
Contact Information:
3. Educational Content Disclaimer
3.1 No Financial Advice
All content provided on this Website, including but not limited to courses, articles, videos, infographics, and other materials (collectively "Content"), is for educational and informational purposes only.
IMPORTANT: Nothing on this Website constitutes financial, investment, legal, tax, or professional advice. We are not licensed financial advisors, investment advisors, or certified financial planners.
3.2 Educational Purpose
Our Content is designed to:
Provide education regarding personal finance and investing
Provide general financial education
Share behavioral economics principles
Offer career development insights
Present data analysis techniques
Discuss financial psychology concepts
3.3 No Personalized Recommendations
We do not provide personalized financial recommendations or advice tailored to your specific financial situation. Any investment decisions you make are solely your responsibility.
4. User Responsibilities
4.1 Professional Consultation
Before making any financial decisions, you should:
Consult with qualified financial professionals
Conduct your own research and due diligence
Consider your personal financial circumstances
Seek advice from licensed professionals in your jurisdiction
4.2 Risk Acknowledgment
You acknowledge that:
All investments carry risk of loss
Past performance does not guarantee future results
Market conditions can change rapidly
You may lose money based on decisions you make
5. Intellectual Property Rights
5.1 Ownership
All Content on this Website, including text, graphics, logos, images, videos, audio clips, and software, is the property of Emanuel Balsa or its licensors and is protected by international copyright, trademark, and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use the Website and its Content for personal, non-commercial educational purposes only.
5.3 Restrictions
You may not:
Reproduce, distribute, or publicly display any Content without written permission
Modify, adapt, or create derivative works from our Content
Use Content for commercial purposes without authorization
Remove copyright or proprietary notices from any Content
6. Products and Services
6.1 Course Access
When you purchase our courses or digital products:
You receive a non-exclusive license to access the materials
Access may be time-limited as specified at purchase
You agree not to share login credentials with others
You may not redistribute or resell the materials
6.2 Refund Policy
Digital products: Refunds may be requested within 7 days of purchase
Refund requests must be submitted via email with justification
Access to materials will be revoked upon refund processing
Processing may take 5-10 business days
6.3 Pricing
All prices are listed in Euros (€) unless otherwise specified
Prices are subject to change without notice
Special offers and discounts may have limited time availability
7. Community Guidelines
7.1 Acceptable Use
When participating in our community (newsletters, social media, etc.):
Be respectful and professional
Do not share misleading financial information
Respect others' privacy and intellectual property
Follow applicable laws and regulations
7.2 Prohibited Activities
You may not:
Provide unlicensed financial advice to other members
Promote illegal investment schemes
Spam or harass other community members
Share inappropriate or offensive content
8. Disclaimers and Limitations
8.1 Website Availability
We strive for 99% uptime but cannot guarantee uninterrupted access
Maintenance may temporarily limit Website functionality
We are not liable for any losses due to Website unavailability
8.2 Third-Party Links
Our Website may contain links to third-party websites
We are not responsible for third-party content or practices
Use of third-party websites is at your own risk
8.3 Data Accuracy
While we strive for accuracy, we cannot guarantee all information is current or error-free
Financial data and market information may be delayed or inaccurate
Always verify important information through primary sources
9. Limitation of Liability
9.1 Maximum Liability
To the fullest extent permitted by law, our total liability to you for all claims arising from your use of the Website or our services shall not exceed the amount you paid us in the 12 months preceding the claim.
9.2 Excluded Damages
We shall not be liable for:
Investment losses or financial damages
Indirect, incidental, or consequential damages
Loss of profits, data, or business opportunities
Damages resulting from your reliance on our educational Content
9.3 Force Majeure
We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.
10. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Website, to understand our practices.
11. Modifications
11.1 Terms Updates
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Website. Your continued use constitutes acceptance of modified Terms.
11.2 Service Changes
We may modify, suspend, or discontinue any aspect of our services at any time without prior notice.
12. Termination
12.1 Termination Rights
We may terminate or suspend your access to the Website at any time, with or without cause, including violation of these Terms.
12.2 Effect of Termination
Upon termination:
Your right to use the Website ceases immediately
You must stop using all downloaded materials
Provisions regarding intellectual property and limitations of liability survive
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Portugal, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Portugal.
14. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
15. Contact Information
If you have questions about these Terms, please contact us at:
Email: happyhelp@emanuelbalsa.com
Website: www.emanuelbalsa.com