{"id":1008,"date":"2026-11-04T10:00:00","date_gmt":"2026-11-04T10:00:00","guid":{"rendered":"https:\/\/litenett.com\/?page_id=1008"},"modified":"2026-11-04T21:40:11","modified_gmt":"2026-11-04T20:40:11","slug":"terms","status":"publish","type":"page","link":"https:\/\/litenett.com\/pt\/terms\/","title":{"rendered":"Termos e Condi\u00e7\u00f5es"},"content":{"rendered":"<p class=\"ln-x9i__lede\"><em>Vers\u00e3o 1.0 \u00b7 em vigor a partir de 1 de novembro de 2026.<\/em><\/p>\n<p><strong>Em resumo:<\/strong> this website gives general information about Litenett, an independent finance-consulting firm for individuals, and general money guides. It is not personal advice and it is not an offer. A client relationship starts only when both sides sign an engagement letter \u2014 and that letter, not these terms, governs the paid work. Investing always carries risk, nothing here promises a result, and you use the site on the fair-use basis set out below.<\/p>\n<div class=\"ln-xb2\">\n<h2>Nesta p\u00e1gina<\/h2>\n<ol>\n<li><a href=\"\/pt\/#who\">Who &#8220;we&#8221; and &#8220;you&#8221; are<\/a><\/li>\n<li><a href=\"\/pt\/#site\">What this website is \u2014 and isn&#8217;t<\/a><\/li>\n<li><a href=\"\/pt\/#when\">When a client relationship begins<\/a><\/li>\n<li><a href=\"\/pt\/#advice\">What we don&#8217;t do: personal advice, tax, legal<\/a><\/li>\n<li><a href=\"\/pt\/#results\">We don&#8217;t promise results<\/a><\/li>\n<li><a href=\"\/pt\/#accuracy\">Accuracy and updates<\/a><\/li>\n<li><a href=\"\/pt\/#use\">Acceptable use<\/a><\/li>\n<li><a href=\"\/pt\/#ip\">Intellectual property<\/a><\/li>\n<li><a href=\"\/pt\/#links\">Links to other websites<\/a><\/li>\n<li><a href=\"\/pt\/#liability\">Our liability to you<\/a><\/li>\n<li><a href=\"\/pt\/#changes\">Changes to these terms<\/a><\/li>\n<li><a href=\"\/pt\/#law\">Which law applies<\/a><\/li>\n<li><a href=\"\/pt\/#contact\">How to reach us<\/a><\/li>\n<li><a href=\"\/pt\/#history\">Review history<\/a><\/li>\n<\/ol>\n<\/div>\n<h2 id=\"who\">1 \u00b7 Who &#8220;we&#8221; and &#8220;you&#8221; are<\/h2>\n<p>In these terms, <strong>&#8220;we&#8221;<\/strong>, <strong>&#8220;us&#8221;<\/strong> e <strong>&#8220;our&#8221;<\/strong> mean Litenett Finance Advisory Ltd., a Dutch private limited company. <strong>&#8220;You&#8221;<\/strong> means anyone who uses this website.<\/p>\n<h2 id=\"site\">2 \u00b7 What this website is \u2014 and isn&#8217;t<\/h2>\n<p>This is Litenett&#8217;s public website. It explains who we are, what services we offer and how we work, and it publishes general articles about money, investing and avoiding scams. It is <strong>n\u00e3o<\/strong>:<\/p>\n<ul>\n<li>personal financial advice,<\/li>\n<li>an offer to open an account, enter a transaction or buy a product,<\/li>\n<li>a recommendation to use any specific firm, platform or instrument,<\/li>\n<li>a substitute for talking to a qualified adviser about your own situation.<\/li>\n<\/ul>\n<h2 id=\"when\">3 \u00b7 When a client relationship begins<\/h2>\n<p>Nothing on this site creates a consulting relationship with Litenett. That relationship starts only when you and we have both signed a written engagement letter. Until then \u2014 however many emails have gone back and forth \u2014 nothing is owed, and nothing you read here should be relied on as advice tailored to you.<\/p>\n<h2 id=\"advice\">4 \u00b7 What we don&#8217;t do<\/h2>\n<p>Litenett does not give regulated investment advice, tax advice, legal advice, insurance advice or mortgage advice. The engagements we take are consulting engagements: we explain, we check, we write things down. If your situation needs a regulated adviser, a tax lawyer or a notary, we&#8217;ll say so.<\/p>\n<h2 id=\"results\">5 \u00b7 We don&#8217;t promise results<\/h2>\n<p>Investing carries risk. Prices fall as well as rise, past returns are not a guide to future returns, and anyone who promises you a specific number is either mistaken or lying. Nothing on this site \u2014 no table, no example, no case study \u2014 is a forecast of what will happen to your money.<\/p>\n<h2 id=\"accuracy\">6 \u00b7 Accuracy and updates<\/h2>\n<p>We work hard to keep every page up to date. Each guide carries a published date; our <a href=\"https:\/\/litenett.com\/pt\/editorial-policy\/\">pol\u00edtica editorial<\/a> sets out how often we review each type of content. Even so, rules, scam patterns and firm details change \u2014 if you spot something that looks wrong, email <a href=\"mailto:consulting@litenett.com\">consulting@litenett.com<\/a> and we&#8217;ll check.<\/p>\n<h2 id=\"use\">7 \u00b7 Acceptable use<\/h2>\n<p>By using this site, you agree not to:<\/p>\n<ul>\n<li>Do anything illegal with or on it.<\/li>\n<li>Probe, scan or otherwise attempt to break its security.<\/li>\n<li>Scrape pages at a rate that affects other visitors.<\/li>\n<li>Impersonate Litenett or anyone associated with it.<\/li>\n<li>Use our content to train an AI model without first asking us in writing (see <a href=\"\/ai.txt\">ai.txt<\/a>).<\/li>\n<\/ul>\n<h2 id=\"ip\">8 \u00b7 Intellectual property<\/h2>\n<p>All content on this site \u2014 text, images, logos, layout \u2014 is owned by Litenett or licensed to us. You&#8217;re welcome to link to any page and to quote reasonable extracts with attribution. You&#8217;re not welcome to republish whole pages, pass off our content as your own, or use the Litenett name in a way that suggests endorsement.<\/p>\n<h2 id=\"links\">9 \u00b7 Links to other websites<\/h2>\n<p>Where we link to another site, we do so because it genuinely helps the reader \u2014 a regulator&#8217;s register, a public database, an original source. We have no control over those sites and we can&#8217;t vouch for their content after linking. A link is not an endorsement.<\/p>\n<h2 id=\"liability\">10 \u00b7 Our liability to you<\/h2>\n<p>To the fullest extent the law allows, Litenett is not liable for any loss you suffer from acting (or not acting) on general content you read on this website. Our liability under an engagement is set out in that engagement letter.<\/p>\n<p>Nothing in these terms limits any liability that cannot be limited by law \u2014 including for fraud, death or personal injury caused by negligence.<\/p>\n<h2 id=\"changes\">11 \u00b7 Changes to these terms<\/h2>\n<p>We may update these terms occasionally. The version date at the top tells you when the current text took effect. Material changes are announced on this page at least 30 days before they apply to anything new.<\/p>\n<h2 id=\"law\">12 \u00b7 Which law applies<\/h2>\n<p>These terms are governed by the laws of the Netherlands. The Dutch courts have exclusive jurisdiction over any dispute, except that consumers can also bring proceedings in the courts of their own EU member state where the law allows.<\/p>\n<h2 id=\"contact\">13 \u00b7 How to reach us<\/h2>\n<p>By email at <a href=\"mailto:consulting@litenett.com\">consulting@litenett.com<\/a>. By post at Litenett Finance Advisory Ltd., Herengracht 141, 1015 BH Amsterdam, the Netherlands.<\/p>\n<h2 id=\"history\">14 \u00b7 Review history<\/h2>\n<ul>\n<li>Version 1.0 \u00b7 1 November 2026 \u2014 first published version.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The rules for using this website.<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":110,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1008","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms &amp; Conditions \u2014 what this website is, and what it isn&#039;t | Litenett<\/title>\n<meta name=\"description\" content=\"The terms for using litenett.com, when a client relationship starts, and what counts as general information rather than personal advice.\" \/>\n<meta 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