Financial education, not financial advice.
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Terms and Conditions
Last updated: 29, September, 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
3.1 No Financial Advice
CRITICAL DISCLAIMER: All content provided on this Website, including courses, articles, videos, frameworks, infographics, and other materials (collectively "Content"), is for educational and informational purposes ONLY.
This is NOT financial advice. We are NOT:
- Licensed financial advisors or investment advisors
- Certified financial planners or wealth managers
- Securities broker-dealers or registered representatives
- Tax advisors or certified public accountants
- Legal professionals or attorneys
DO NOT base any investment, financial, legal, or tax decisions solely on information found on this Website.
Securities Disclaimer: We do not recommend or endorse any specific securities, investments, strategies, or financial products. Any references to specific investments, companies, or financial instruments are for educational illustration only and do not constitute recommendations to buy, sell, or hold any security.
Forward-Looking Statements: Content may include predictions, projections, or forward-looking statements about financial trends, career strategies, or economic patterns. These are based on current analysis and are subject to change. Past performance is not indicative of future results.
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 Affiliate Relationships and Compensation
Transparency Disclosure: We may receive compensation when you:
- Purchase products/services through affiliate links on our Website
- Sign up for third-party services we recommend
- Use promotional codes associated with our Content
Affiliate Relationships: We maintain affiliate relationships with certain educational platforms, financial tools, and service providers. These relationships do not influence our educational content or recommendations.
Editorial Independence: Our Content is created independently. Affiliate compensation does not determine what we teach or recommend. We only promote products/services we believe have educational value.
Disclosure Requirement: Affiliate links are marked with [appropriate disclosure language you'll use, e.g., "affiliate link" or "(*)"].
No Additional Cost: You pay the same price whether you use our affiliate links or not. Affiliate compensation comes from the merchant, not from you.
3.4 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 Investment Risk Acknowledgment
By using this Website, you explicitly acknowledge and agree that:
General Investment Risks:
- All investments carry risk of partial or total loss of capital
- Past performance and historical returns do not guarantee future results
- Market conditions, economic factors, and regulations can change rapidly
- You may lose more than your initial investment in certain circumstances
- Investment performance discussed is not typical or guaranteed
Specific Risk Categories:
- Market Risk: Asset values fluctuate based on market conditions
- Liquidity Risk: Some investments cannot be quickly sold without loss
- Currency Risk: International investments face exchange rate volatility
- Inflation Risk: Returns may not exceed inflation, reducing purchasing power
- Behavioral Risk: Emotional decisions often lead to poor investment outcomes
Your Responsibilities:
You are solely responsible for:
- Evaluating your financial situation and risk tolerance
- Conducting independent research before any investment
- Understanding tax implications of investment decisions
- Seeking professional advice appropriate to your circumstances
- Accepting full responsibility for all investment outcomes
No Guarantees:
We make no guarantees, representations, or warranties about:
- Investment performance or returns
- Accuracy of third-party financial data
- Suitability of strategies for your situation
- Outcomes from applying educational concepts
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
Violation Consequences:
Unauthorized use of our Content may result in:
- Immediate termination of Website access
- Legal action to protect intellectual property rights
- Claims for monetary damages and legal fees
- Injunctive relief to prevent continued infringement
Fair Use: Limited quotation of our Content for commentary, criticism, or news reporting may be permissible under fair use doctrine. However, you must provide proper attribution and link to the original source.
Educational Use: Teachers and educators may use limited portions of publicly available Content for classroom purposes with proper attribution. This does not extend to paid Content or complete redistribution of materials.
DMCA Compliance: We respond to valid copyright infringement notices submitted under the Digital Millennium Copyright Act (DMCA). To report infringement:
Email: happyhelp@emanuelbalsa.com
Subject: "DMCA Notice"
Include: Your contact information, description of copyrighted work, location of infringing material, and good faith statement of unauthorized use.
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
6.2 Refund Policy
Digital Products - 7-Day Money-Back Guarantee:
- Refund window: Within 7 calendar days of purchase date
- Eligibility: You must request refund before completing more than 25% of
course content
- Request method: Email happyhelp@emanuelbalsa.com with subject "Refund Request"
- Required information: Order number, purchase date, reason for refund
- Processing time: 5-10 business days from approval
- Refund method: Original payment method only
Non-Refundable Items:
- Purchases made more than 7 days ago
- Completed or substantially accessed courses (>25% completion)
- Discounted products purchased during promotional periods (unless otherwise stated)
- Custom or personalized consulting services
- Downloadable materials that have been downloaded
Refund Abuse Prevention:
We reserve the right to:
- Deny refunds for repeated purchase-and-refund patterns
- Permanently ban accounts that abuse refund policies
- Require additional verification for high-value refunds
Access Revocation: Upon refund processing, your access to all associated materials is immediately revoked. You must delete any downloaded materials.
Chargebacks: Initiating a chargeback instead of requesting a refund through proper channels may result in permanent account suspension and may affect your ability to make future purchases.
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
Payment Terms:
Accepted Methods: Credit card, debit card, PayPal [specify what you accept]
Currency: All prices in Euros (€) unless otherwise specified
Taxes: Prices may not include applicable VAT or sales taxes
Tax Collection: Taxes calculated at checkout based on your location
Subscription Services (if applicable):
- Recurring billing: Charged automatically per subscription terms
- Cancellation: Must cancel at least 48 hours before renewal date
- No pro-rated refunds for partial subscription periods
- Price changes: 30 days advance notice for subscription price increases
Payment Processor: Payments processed securely through [Stripe/PayPal/specify]
We do not store complete payment card numbers on our servers.
Failed Payments:
- Subscription services suspended upon payment failure
- 3 automatic retry attempts over 7 days
- Account reactivation upon successful payment
- Permanent suspension after 30 days of failed payment
Promotional Codes:
- Cannot be combined with other offers unless stated
- One-time use unless specified as multi-use
- Cannot be applied retroactively to previous purchases
- Expire as indicated and cannot be extended
7. User Conduct and Community Guidelines
7.1 Acceptable Use Policy
7. User Conduct and Community Guidelines
7.1 Acceptable Use Policy
You agree to use our Website and services only for lawful purposes. You may not:
Prohibited Financial Activities:
- Provide unlicensed financial, investment, or legal advice
- Promote illegal investment schemes, scams, or fraudulent opportunities
- Manipulate others into making specific investment decisions
- Represent yourself as a licensed professional without proper credentials
Prohibited Technical Activities:
- Attempt to gain unauthorized access to our systems or user accounts
- Use bots, scrapers, or automated tools to access Content
- Reverse engineer, decompile, or disassemble any Website software
- Introduce viruses, malware, or harmful code
- Overload or interfere with Website servers or networks
Prohibited Content Activities:
- Copy, redistribute, or resell our educational Content without permission
- Share login credentials or account access with others
- Create derivative works from our Content without authorization
- Remove watermarks, copyright notices, or attribution
Prohibited Community Behavior:
- Harass, threaten, or intimidate other community members
- Post spam, unsolicited advertising, or promotional content
- Share others' personal information without consent
- Impersonate other users, organizations, or our staff
- Post offensive, discriminatory, or illegal content
7.2 Enforcement and Consequences
Violation Responses: Depending on severity, we may:
- Issue warnings for minor first-time violations
- Temporarily suspend account access (7-30 days)
- Permanently terminate accounts for serious or repeated violations
- Report illegal activities to law enforcement
- Pursue legal remedies for damages caused by violations
No Refunds for Termination: If we terminate your account for Terms violations,
you forfeit any refund rights and lose access to all purchased materials.
Cooperation: You agree to cooperate with any investigation into potential
Terms violations and provide requested information within 7 days.
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 Content and Services
Links to External Websites: Our Website may contain links to third-party websites, tools, services, or resources ("External Sites"). These links are provided for convenience only.
No Endorsement: Linking to External Sites does not constitute:
- Endorsement of the site's content, products, or services
- Representation that information on External Sites is accurate
- Warranty of any kind regarding External Sites
- Responsibility for External Sites' privacy practices or terms
Your Responsibility:
When you access External Sites, you do so at your own risk:
- Review their terms of service and privacy policies
- Verify information independently before acting on it
- Understand we have no control over External Sites' content or practices
- Accept that External Sites may collect your information independently
Third-Party Tools: If we integrate third-party services (analytics, payment processors, email platforms):
- These services have their own terms and privacy policies
- We are not responsible for their practices or service failures
- Your use of these services is governed by their terms, not ours
Broken Links: We are not responsible for broken links or discontinued
third-party services. Report broken links to happyhelp@emanuelbalsa.com.
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.
Specific Damage Limitations:
For Educational Content:
Maximum liability for claims related to educational Content or courses shall not exceed the amount you paid for that specific Content/course.
For Free Content:
For Content provided at no charge (blog posts, newsletters, social media), our maximum liability is €100 or the minimum allowed by law, whichever is greater.
For Subscription Services:
Maximum liability for subscription-based services shall not exceed the total fees paid during the 12-month period preceding the claim.
For Third-Party Links/Services:
We have zero liability for losses resulting from your use of External Sites or third-party services, regardless of whether we provided the link.
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
Jurisdictional Limitations:
EU/Portugal Consumers: Some jurisdictions (including Portugal and EU member states) do not allow limitation of liability for:
- Death or personal injury caused by negligence
- Fraud or fraudulent misrepresentation
- Gross negligence or willful misconduct
To the extent these limitations are prohibited by applicable law, they do not apply to you.
Non-Excludable Rights: Nothing in these Terms limits your statutory rights under applicable consumer protection laws.
Business Users: If you are using our services for business purposes, all liability limitations apply to the fullest extent permitted by law.
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, Data Protection, and Cookie Policy
10.1 Privacy Policy
Your use of our Website is also governed by our Privacy Policy, which
explains how we collect, use, and protect your personal information.
Privacy Policy location: [www.emanuelbalsa.com/privacy-policy]
By using our services, you consent to the practices described in our
Privacy Policy.
10.2 GDPR Compliance (EU Users)
If you are located in the European Union, you have specific rights regarding
your personal data under the General Data Protection Regulation (GDPR):
- Right to access your data
- Right to correction of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to data portability
- Right to object to processing
- Right to lodge complaints with supervisory authorities
See our Privacy Policy for full details.
10.3 Cookies
We use cookies and similar tracking technologies. By using our Website,
you consent to our use of cookies as described in our Privacy Policy.
Cookie control: You may manage cookies through your browser settings, though
this may affect Website functionality.
10.4 Data Security
While we implement industry-standard security measures, we cannot guarantee
absolute security. You are responsible for maintaining confidentiality of
your account credentials.
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 and Discontinuation
Right to Modify: We reserve the right to modify, suspend, or discontinue any aspect of our services (including Content, features, or pricing) at any time, with or without notice.
No Liability: We are not liable to you or any third party for any modification, suspension, or discontinuation of services.
Purchased Content Protection: If we discontinue a course or product you purchased:
- We will provide 90 days advance notice when reasonably possible
- You will retain access for at least 12 months after discontinuation notice
- We may offer comparable replacement content at our discretion
- Refunds are not provided for discontinued content unless legally required
Subscription Service Changes: For subscription services, material changes will be communicated with 30 days advance notice. Continued use after changes constitutes acceptance.
12. Account Suspension and Termination
12.1 Our Termination Rights
We may immediately suspend or terminate your access without notice for:
- Violation of these Terms or our policies
- Providing false or misleading information
- Fraudulent payment activity or chargebacks
- Illegal activity or harm to other users
- Actions that damage our reputation or business
- Suspected security breaches or unauthorized access
12.2 Account Suspension Process
Temporary Suspension (7-30 days):
- May be applied for first-time or minor violations
- You will be notified via email with reason for suspension
- You may appeal suspension by contacting happyhelp@emanuelbalsa.com
- During suspension, you cannot access purchased materials
- Access restored upon successful resolution
Permanent Termination:
- Applied for serious or repeated violations
- All access permanently revoked
- No refunds provided for terminated accounts
- You must cease all use of our Content
12.3 Your Termination Rights
You may terminate your account at any time by:
- Emailing happyhelp@emanuelbalsa.com with "Account Deletion" in subject
- Following any account deletion process provided in your account settings
Upon your termination:
- You lose access to all purchased materials (no refund unless within refund period)
- Your personal data will be processed according to our Privacy Policy
- You must cease all use of downloaded materials
12.4 Effect of Termination
Upon termination by either party:
- Your license to use Content immediately ceases
- You must stop using and delete all downloaded materials
- Payment obligations for services rendered remain
- Sections regarding intellectual property, liability, and dispute resolution survive
13. Dispute Resolution and Governing Law
13.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws
of Portugal, without regard to conflict of law principles.
For EU consumers: Mandatory consumer protection laws of your country of
residence may also apply and cannot be excluded by choice of law provisions.
13.2 Informal Dispute Resolution
Before Filing Legal Action: You agree to first attempt to resolve any
dispute informally by contacting us at happyhelp@emanuelbalsa.com with:
- Description of the dispute
- Your desired resolution
- Account information and relevant documentation
Good Faith Negotiation: Both parties agree to negotiate in good faith for 30 days before initiating formal proceedings.
13.3 Jurisdiction and Venue
Exclusive Jurisdiction: Any legal action or proceeding arising from these
Terms shall be brought exclusively in the courts of Portugal.
EU Consumer Exception: EU consumers may also bring proceedings in the courts of their country of residence.
13.4 Alternative Dispute Resolution (EU)
EU ODR Platform: EU consumers may access the European Commission's Online
Dispute Resolution platform at: http://ec.europa.eu/consumers/odr/
We are willing to participate in alternative dispute resolution procedures
but are not obligated to do so.
13.5 Class Action Waiver
To the fullest extent permitted by law, you agree that:
- Disputes will be resolved on an individual basis only
- You waive the right to participate in class actions or class arbitrations
- You waive the right to act as a class representative or member
Exception: This waiver does not apply where prohibited by law, including
certain EU consumer protection laws.
13.6 Limitation Period
You must bring any claim related to these Terms within 1 year after the
claim arises, or such longer period as required by applicable law.
Claims not brought within this period are permanently barred.
14. Indemnification
14.1 Your Indemnification Obligation
You agree to indemnify, defend, and hold harmless Emanuel Balsa, its
affiliates, officers, employees, agents, and partners from and against
any and all claims, damages, losses, costs, and expenses (including
reasonable attorneys' fees) arising from or related to:
- Your use or misuse of our Website or services
- Your violation of these Terms or any applicable law
- Your violation of any rights of another person or entity
- Content you submit or transmit through our services
- Your breach of any representation or warranty in these Terms
- Your provision of unlicensed financial advice based on our educational Content
- Investment losses you suffer and attribute to our educational materials
14.2 Defense Cooperation
If we are subject to a claim that you must indemnify us for:
- We will notify you reasonably promptly
- You will cooperate with our defense of the claim
- We retain the right to control the defense and any settlement
- You will not settle any claim without our prior written consent
14.3 Limitations on Indemnification
This indemnification does not apply to claims arising from:
- Our gross negligence or willful misconduct
- Our breach of these Terms
- Content that we created (not user-generated content)
15. Entire Agreement and Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
15.1 Entire Agreement
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Emanuel Balsa regarding use of our Website and services.
These Terms supersede all prior or contemporaneous agreements, communications, and proposals (whether oral, written, or electronic) between you and us.
15.2 Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction:
- That provision shall be modified to the minimum extent necessary to make
it enforceable while preserving its original intent
- If modification is not possible, the provision shall be severed
- The remaining provisions shall continue in full force and effect
- The invalidity of one provision does not affect the validity of other provisions
15.3 No Waiver
Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.
Any waiver must be in writing and signed by an authorized representative of Emanuel Balsa.
15.4 Assignment
You may not assign or transfer these Terms or your rights hereunder without our prior written consent.
We may assign these Terms or our rights at any time without notice, including in connection with a merger, acquisition, or sale of assets.
15.5 Force Majeure
We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:
- Acts of God, natural disasters, or severe weather
- War, terrorism, civil unrest, or government actions
- Internet or telecommunications failures
- Strikes, labor disputes, or supply shortages
- Pandemics or public health emergencies
During force majeure events, our obligations under these Terms are suspended for the duration of the event.
16. Age Restrictions and Parental Consent
16.1 Minimum Age Requirement
You must be at least 18 years old to use our services, create an account, or make purchases.
If you are under 18, you may only use our services with the involvement and consent of a parent or legal guardian.
16.2 Parental Consent
If a parent or guardian allows a minor (under 18) to access our educational Content:
- The parent/guardian accepts full responsibility for the minor's use
- The parent/guardian agrees to supervise the minor's activities
- The parent/guardian is bound by these Terms on the minor's behalf
- The parent/guardian is liable for any violations by the minor
16.3 No Financial Advice to Minors
We do not provide financial advice to anyone, including minors. Parents and guardians are solely responsible for providing appropriate financial guidance to minors in their care.
16.4 Verification
We reserve the right to request age verification at any time and may suspend accounts pending verification.
16.5 Termination for Age Violation
If we learn that someone under 18 has created an account without parental consent, we will terminate the account immediately and delete associated data in accordance with our Privacy Policy.
17. Contact Information and Notice Procedures
17.1 General Inquiries
For questions about these Terms or our services:
Email: happyhelp@emanuelbalsa.com
Website: www.emanuelbalsa.com
[Add physical mailing address if you have business address]
17.2 Legal Notices
For legal notices, copyright claims, or official correspondence:
Email: happyhelp@emanuelbalsa.com
Subject line: "LEGAL NOTICE" or "DMCA NOTICE" as appropriate
Legal notices must include:
- Your full legal name and contact information
- Specific nature of the notice or claim
- Relevant account or transaction information
- Any supporting documentation
17.3 Response Times
- General inquiries: 3-4 business days
- Technical support: 2-3 business days
- Legal notices: 5-7 business days
- Refund requests: 7-10 business days
17.4 Notice to You
We may provide notice to you via:
- Email to the address associated with your account
- Posting on our Website
- In-app notifications (if applicable)
You are responsible for keeping your email address current and monitoring
for notices from us.
17.5 Language
These Terms are written in English. Any translations provided are for convenience only. In case of conflict, the English version prevails.