Terms and Conditions

1.1 Introduction

Welcome to the Investment Talks website and digital platform.

By accessing or using our services, you agree to these Terms and Conditions.

Investment Talks provides technological tools, informational content, analytics, artificial intelligence features, and digital solutions related to financial markets, investments, and portfolio construction.

1.2 Nature of Services

Investment Talks provides an integrated financial technology platform combining:

• analytical tools;
• artificial intelligence-based features;
• simulators and portfolio intelligence systems;
• access to financial experts;
• services provided through regulated partners.

Certain features are exclusively technological and informational in nature, while other services may include advisory, personalised analysis, or investment recommendations provided by authorised professionals, independent experts, or regulated entities, as applicable.

1.3 Platform Structure

Investment Talks provides an integrated financial technology platform comprising different categories of services, features, and operational components, including:

• analytical tools;
• artificial intelligence-based features;
• simulators and portfolio intelligence systems;
• informational and educational content;
• experts marketplace;
• services provided through regulated partners.

Certain features are exclusively technological and informational in nature, while other services may involve personalised analysis, advisory, or investment recommendations provided by independent experts or regulated entities, as applicable.

1.4 Experts Marketplace

The platform may provide access to independent financial experts, consultants, analysts, or external professionals.

Services provided by such experts:

• may be of an independent nature;
• may be subject to their own regulatory frameworks;
• are the responsibility of the respective professionals or entities.

Investment Talks may act exclusively as a technological infrastructure, digital intermediation platform, or operational facilitator of contact between users and experts.

1.5 Regulated Partners

Certain services provided through the platform may be executed or operationalised by entities regulated, licensed, or authorised by competent authorities, including white-label partners.

Where applicable, the entity responsible for providing the regulated service will be duly identified to the user.

1.6 Limitation of Liability by Category

Investment Talks' liability may vary depending on the nature of the service, feature, or platform component used by the user.

Investment Talks shall not be liable for:

• investment decisions made by users;
• services provided by independent experts;
• regulated services executed by third-party partners;
• financial losses;
• market performance;
• investment results;
• temporary unavailability of external systems or third-party integrations.

1.7 Investment Risk

Financial markets involve significant risk.

The user acknowledges that:

• they may lose part or all of the invested capital;
• past performance does not guarantee future results;
• simulations are hypothetical in nature;
• financial markets are volatile.

1.8 Artificial Intelligence Tools

Some features may use artificial intelligence systems and algorithmic models.

Generated outputs:

• are purely informational in nature;
• may contain inaccuracies;
• do not replace professional human analysis;
• do not constitute financial advice.

1.9 Intellectual Property

All content, trademarks, graphic elements, software, interfaces, texts, and technologies belong to Investment Talks or their respective licensors.

The following are prohibited without prior written authorisation:

• reproduction;
• distribution;
• modification;
• commercial exploitation.

1.10 Third-Party Services and Data

The platform may integrate:

• financial data providers;
• APIs;
• analytical services;
• third-party tools.

Investment Talks does not have full control over such external services.

1.11 Amendments

Investment Talks may update these Terms and Conditions at any time.

1.12 Governing Law

These Terms and Conditions are governed by applicable Portuguese and European law.

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