Terms of Service

Last updated: April 17, 2026

These Terms of Service govern your use of metsakalde.org and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. We reserve the right to modify these terms at any time, and your continued use of the site constitutes acceptance of any changes. If you do not agree with any part of these terms, please discontinue use of our services immediately.

Acceptance of Terms

Your access to and use of our website is conditioned upon your acceptance of and compliance with these Terms of Service. We provide household budgeting guides, expense planning tools, and financial management resources for Portuguese residents and families. By using our services, you acknowledge that you have read, understood, and agree to be bound by all provisions contained herein. We reserve the right to refuse service or access to any individual at our sole discretion.

These terms apply to all visitors, users, and others who access or use our website. If you do not accept these terms, you may not access our website or use any of our services. We encourage you to review these terms regularly to ensure you remain informed of any updates or modifications.

User Obligations

Users are responsible for maintaining the confidentiality of any personal information they provide through our website. We expect all users to comply with all applicable laws and regulations when using our services. You agree not to engage in any conduct that restricts or inhibits anyone's use or enjoyment of our website, including harassment, obscene or offensive language, or disruption of normal conversation flow.

You are responsible for ensuring that all information you provide is accurate, current, and complete. We are not liable for any loss or damage arising from your failure to maintain accurate information or from unauthorized access to your account. Users must not attempt to gain unauthorized access to our systems or interfere with the proper functioning of our website. Violation of these obligations may result in immediate termination of access to our services.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the exclusive property of our organization or its content suppliers and is protected by international copyright laws. We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, display, or perform any content without our prior written permission.

The budgeting guides, expense planning templates, and financial management tools provided are for informational purposes and remain our intellectual property. You may not reverse engineer, decompile, or attempt to derive the source code of any software or materials on our website. Any unauthorized use of our intellectual property rights is strictly prohibited and may result in legal action.

Limitation of Liability

We provide our website and services on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from harmful components. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

Our total liability to you for any claims arising from the use of our website shall not exceed the amount you paid us, if any. We are not responsible for any financial decisions or outcomes resulting from the use of our budgeting guides or tools. All financial advice should be verified with qualified professionals. We disclaim all warranties regarding the accuracy, completeness, or suitability of information provided on our website for your specific circumstances.

Termination of Service

We reserve the right to terminate or suspend your access to our website and services at any time, without notice or cause. Termination may occur if you violate these terms, engage in unlawful conduct, or for any other reason we deem appropriate. Upon termination, your right to use our website ceases immediately, and you must destroy any downloaded or printed materials from our site.

We may also discontinue or modify our services at any time without prior notice. Termination of your access will not affect your obligations or liabilities incurred prior to the termination date. We are not responsible for any loss of data, content, or access to our website resulting from termination. If you wish to terminate your use of our services, you may simply stop accessing the website at any time.