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: