Terms of Use

Last updated: 4 March 2026

1. Acceptance of Terms

By accessing or using the GuiaFinanças website (“Website”), you agree to be legally bound by these Terms of Use and our Privacy Policy.

If you do not agree with any part of these Terms, you must discontinue use immediately.—

2. Scope and Applicable Laws

These Terms apply to users accessing the Website from the United Kingdom, the United States, and Australia.

The Website operates in compliance with applicable laws, including but not limited to:

  • United Kingdom: UK GDPR and the

    Data Protection Act 2018
    ;
  • United States: Applicable federal and state privacy laws, including the
    California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), where applicable;
  • Australia: The

    Privacy Act 1988 (Cth)
     and the Australian Privacy Principles (APPs).

—

3. User Responsibilities

Users agree to:

  • Provide accurate information where required;
  • Use the Website lawfully and ethically;
  • Not publish unlawful, harmful, defamatory, or infringing content;
  • Not interfere with the Website’s functionality or security;
  • Not attempt unauthorised access to restricted systems.

Violation may result in suspension, termination, or legal action.—

4. Advertising, Cookies and Tracking Technologies

The Website uses advertising services such as Google Ad Manager and Google AdSense, which may process personal data through cookies and similar technologies.

For details on how Google processes information, see:

Google Privacy & Advertising Policies

Users in the United Kingdom are presented with a Consent Management Platform (CMP) in accordance with UK GDPR requirements.

Users in the United States may opt out of targeted advertising or the “sale” or “sharing” of personal information where applicable under state law.

Users in Australia are informed about cookie usage in accordance with the Privacy Act 1988 and APP guidelines.—

5. US Privacy Rights (Where Applicable)

If you are a resident of certain U.S. states, including California, you may have the right to:

  • Request disclosure of personal information collected;
  • Request deletion of personal information;
  • Opt out of the sale or sharing of personal information;
  • Not be discriminated against for exercising privacy rights.

Requests may be submitted through the contact details provided in our Privacy Policy.—

6. Intellectual Property

All Website content is protected under applicable copyright and intellectual property laws and international treaties, including the Berne Convention for the Protection of Literary and Artistic Works .

No content may be copied, reproduced, distributed, or commercially exploited without prior written consent.—

7. Disclaimer and Limitation of Liability

The Website is provided on an “as is” and “as available” basis.

To the maximum extent permitted by applicable law, GuiaFinanças shall not be liable for:

  • Decisions made based on Website information;
  • Indirect, incidental, or consequential damages;
  • Third-party services or external links.

Nothing in these Terms excludes liability that cannot be excluded under UK, US, or Australian consumer protection law.—

8. International Data Transfers

Where personal data is transferred internationally, appropriate safeguards are implemented in accordance with UK GDPR, applicable U.S. law, and the Australian Privacy Act.—

9. Termination

We reserve the right to suspend or terminate access to the Website if these Terms are violated.

Users may discontinue use at any time.—

10. Dispute Resolution and Governing Law

Disputes will first be addressed through good-faith negotiations.

  • UK Users: Subject to the courts of England and Wales, unless consumer law provides otherwise.
  • US Users: Subject to applicable state and federal laws.
  • Australian Users: Subject to the laws of the Commonwealth of Australia.

Nothing in this section limits mandatory consumer rights under applicable law.—

11. Amendments

We may update these Terms for legal, regulatory, or operational reasons. Continued use after updates constitutes acceptance.—

12. Contact

For questions regarding these Terms, please refer to our Privacy Policy or contact us through the Website.