Terms & Conditions

These terms govern your use of Learn to Invest (the "Service"), operated by Rafael Rocha Pardal, an individual based in Portugal ("we", "us"). When you use the Service or buy a product, you are contracting with Rafael Rocha Pardal. By continuing to use the Service, you agree to these terms.

The Service

Learn to Invest offers free educational content about investing and a paid, AI-generated personalized learning plan (a one-time digital purchase) based on the goals, experience and questions you provide.

No financial advice

All content, including AI-generated plans, is for general educational purposes only. It is not financial, investment, legal or tax advice, and not a recommendation to buy or sell any security or product. Your investment decisions are your own responsibility. Consider speaking to a licensed professional before investing.

AI-generated content

• Plans are generated by artificial intelligence and may be inaccurate, incomplete or out of date. You are responsible for verifying information before relying on it.
• You are responsible for what you enter into the form and must have the right to submit it. Do not submit illegal content, other people's personal data, hate speech, malware, or attempts to manipulate or "jailbreak" the AI.
• You may use your plan for personal purposes. You may not use the Service to infringe others' intellectual property. Rights-holders can report infringing content to us; repeated infringement may lead to loss of access.
• We may filter, refuse or remove content and restrict access where needed to keep the Service safe and lawful.

Acceptable use

You must not misuse the Service, including: using it unlawfully; fraud or spam; infringing intellectual property; or interfering with its security (e.g. malware, probing, scraping, overloading or circumventing technical limits). You may not resell or redistribute the Service.

Intellectual property

We retain all rights in the Service, its software, content, documentation and branding. You receive a limited, personal, non-exclusive, non-transferable right to use the Service and your purchased plan.

Payments

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, cancellation and refund mechanics are governed by Paddle's Buyer Terms. See also our Refund Policy.

Service availability

We do not guarantee that the Service will be uninterrupted or error-free. To the fullest extent permitted by law, the Service is provided "as is" without implied warranties of merchantability or fitness for a particular purpose.

Liability

To the extent permitted by law, our total liability is limited to the amount you paid us in the 12 months before the claim, and we are not liable for indirect or consequential losses (such as investment losses, lost profits or data). Nothing limits liability for fraud, death or personal injury, or any liability that cannot be excluded by law.

Suspension and termination

We may suspend or end your access for material breach of these terms, non-payment, security or fraud risks, or repeated or serious policy violations.

Governing law

These terms are governed by the laws of Portugal, without affecting mandatory consumer protections in your country of residence.

Contact

Questions about these terms: contact Rafael Rocha Pardal. For order and billing questions, visit paddle.net. See also our Privacy Notice.