Terms of Service

Acceptance of Terms

By accessing and using the website and services of Qyntrava Lda. ("Qyntrava", "we", "our", or "us"), 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.

These Terms of Service constitute a legally binding agreement between you and Qyntrava regarding your use of our website, services, and any related applications or platforms we may provide.

Company Information

Qyntrava Lda. is a limited liability company incorporated in Portugal with the following details:

Services Description

Qyntrava provides financial planning services specialising in early retirement planning, investment management, savings optimisation, and related financial advisory services. Our services include but are not limited to:

• Personalised financial planning and retirement strategies
• Investment portfolio management and advisory services
• Savings and budgeting optimisation guidance
• Risk assessment and management planning
• Financial education and consultation services

All financial advice provided is general in nature and should be considered in conjunction with your individual circumstances. We recommend consulting with qualified professionals before making financial decisions.

User Obligations

As a user of our services and website, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials or access information
• Use our services only for lawful purposes and in accordance with these terms
• Not attempt to gain unauthorised access to our systems or networks
• Not use our services to transmit harmful, offensive, or illegal content
• Comply with all applicable laws and regulations
• Notify us promptly of any changes to your personal or financial circumstances

You are responsible for ensuring that your use of our services complies with any applicable local laws and regulations in your jurisdiction.

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, images, software, and methodologies, are the property of Qyntrava or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our intellectual property without our prior written consent. Any unauthorised use may violate copyright, trademark, and other laws.

You retain ownership of any personal information or data you provide to us, whilst granting us the necessary licences to use such information to provide our services as outlined in our Privacy Policy.

Financial Disclaimer

Our financial planning services and advice are provided for informational and educational purposes. While we strive to provide accurate and up-to-date information, financial markets and regulations can change rapidly, and past performance does not guarantee future results.

All investment and financial decisions carry risk, including the potential loss of principal. You should carefully consider your financial situation, investment objectives, and risk tolerance before making any financial decisions based on our advice or recommendations.

We are not responsible for any financial losses that may result from following our advice or recommendations. You acknowledge that you are making financial decisions at your own risk and discretion.

Limitation of Liability

To the maximum extent permitted by applicable law, Qyntrava shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

Our total liability to you for all claims arising out of or relating to these terms or our services shall not exceed the total amount paid by you to Qyntrava in the twelve (12) months preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above exclusions and limitations may not apply to you.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

By using our services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy. Please review our Privacy Policy carefully to understand how we handle your personal data.

Governing Law

These Terms of Service and any disputes arising out of or related to these terms or our services shall be governed by and construed in accordance with the laws of Portugal, without regard to its conflict of law principles.

Any legal action or proceeding arising under these terms shall be brought exclusively in the courts of Porto, Portugal, and you hereby consent to personal jurisdiction and venue therein.

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.

Termination

Either party may terminate the service relationship at any time with appropriate notice. You may stop using our services at any time, though you remain responsible for any fees incurred prior to termination.

We reserve the right to suspend or terminate your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

Upon termination, your right to use our services will cease immediately. All provisions of these terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, and limitations of liability.

Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time at our sole discretion. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

Your continued use of our services after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to the new terms, you must stop using our services.

Contact Information

If you have any questions about these Terms of Service, please contact us: