Terms & Conditions

The sekurmado.com portal is an exclusively educational platform dedicated to promoting financial literacy among citizens of Portugal. The content provided includes articles, guides, interactive resources, and general information on personal financial management.

Sekurmado is not a financial entity, is not registered with Banco de Portugal or CMVM, and does not provide any financial, investment, credit, or insurance services. All published content is purely informational and educational in nature. It does not constitute, under any circumstances, financial, legal, tax, or investment advice. Any potential return mentioned in any material is always adjusted for risks and presented for illustrative purposes only.

Sekurmado makes every effort to ensure the accuracy and currency of the information presented, but does not guarantee that the content is free from errors, omissions, or outdated information. The use of content is the sole responsibility of the user. Sekurmado shall not be liable for any direct or indirect losses, damages, or harm resulting from the use or inability to use the portal, including financial decisions made based on published content.

All portal content — including text, images, logos, graphic design, and source code — is the property of Sekurmado, Lda. or their respective authors and is protected by Portuguese and European copyright and intellectual property legislation. Reproduction, distribution, modification, or commercial use of the content without prior express written authorisation is prohibited.

The portal may contain links to third-party websites. Sekurmado is not responsible for the content, privacy policies, or practices of these websites and recommends reading their respective terms before use.

The contact form is intended exclusively for sending questions and suggestions related to financial literacy and the operation of the portal. Sekurmado reserves the right not to respond to messages that are offensive, contain spam, or are unrelated to the portal's scope.

These Terms and Conditions are governed by Portuguese law. For the resolution of any disputes arising from the use of the portal, the parties submit to the exclusive jurisdiction of the judicial courts of the district of Lisbon, with express waiver of any other forum.

Sekurmado reserves the right to amend these Terms and Conditions at any time. Changes take effect upon publication on this page. Continued use of the portal after the publication of changes constitutes acceptance of the new terms.