Terms and Conditions

By accessing and using the portal fidmadi.com (hereinafter referred to as 'Portal'), the user accepts to be bound by these Terms and Conditions, as well as the Privacy Policy and Cookie Policy. If you do not agree with any of these terms, please do not use the Portal.

Fidmadi, Lda. reserves the right to amend these terms at any time, with amendments taking effect from their publication on the Portal.

All content made available on the Portal — including articles, guides, analyses, charts, statistical data and any other materials — is exclusively educational and informational in nature.

Fidmadi is dedicated to promoting financial literacy among Portuguese citizens. Published materials aim to increase general knowledge about financial topics and are not intended to replace professional advice.

Fidmadi, Lda. is NOT a financial institution, nor is it authorised or registered with the Bank of Portugal, the Securities Market Commission (CMVM) or any other financial regulator.

We do NOT provide financial services of any nature, including but not limited to: financial or investment advisory; asset or portfolio management; financial intermediation; credit or insurance provision.

Educational materials made available do NOT constitute investment advice, personalised financial recommendations, or an offer or solicitation to buy or sell any financial instruments.

Any reference to potential returns is presented for illustrative purposes only and adjusted for risk. Past results do not guarantee future results.

All content on the Portal, including texts, images, logos, graphics, design and code, is the property of Fidmadi, Lda. or its respective licensors, and is protected by Portuguese and European intellectual property legislation.

Personal and non-commercial use of content is permitted, provided attribution to the original source is maintained. Reproduction, distribution or modification of content for commercial purposes requires prior written authorisation.

The user undertakes to use the Portal responsibly and in compliance with applicable legislation. Any use that may damage, overload or compromise the security and integrity of the Portal is prohibited.

Information provided through the contact form must be truthful and accurate. Fidmadi reserves the right not to respond to communications of a fraudulent or abusive nature.

Fidmadi, Lda. will make all reasonable efforts to keep the information published on the Portal up to date and accurate. However, it does not guarantee the accuracy, completeness or timeliness of all content at all times.

Fidmadi shall not be liable for any direct, indirect, incidental or consequential damages resulting from the use or inability to use the Portal or its contents.

Any financial decisions made by the user are their sole responsibility. We strongly recommend consulting a qualified and duly authorised financial professional before making decisions involving your assets.

The Portal may contain links to third-party websites. These links are provided exclusively for user convenience and information. Fidmadi does not control and is not responsible for the content, privacy policies or practices of third-party websites.

These Terms and Conditions are governed by Portuguese law. Any disputes arising from the use of the Portal shall be submitted to the exclusive jurisdiction of the courts of the district of Lisbon, Portugal.

For questions regarding these Terms and Conditions, contact us at geral@fidmadi.com or by mail to: Fidmadi, Lda., Rua Augusta 274, 2nd floor, 1100-053 Lisbon, Portugal. NIF: 517 894 362.