Termos e Condições

These Terms and Conditions govern access to and use of our application and associated services. By using guito, the user fully accepts these Terms. If you do not agree, please do not use the service.

1. Identification of the Service Provider

guito is a service operated by:

Luar Quieto — Unipessoal Lda NIPC: 518 823 830 Email: support@guito.pt Website: guito.pt

2. About guito

guito is a personal finance management application that allows users to organise and monitor their finances, including:

• Tracking of investment portfolios;
• Linking to bank accounts;
• Tax simulators and calculators;
• Artificial intelligence assistance features.

3. Age Requirements

The Services are intended for users aged 16 or over. Users between the ages of 16 and 18 must have authorisation from a parent or legal representative in order to use guito.

4. Use of the Service

By using guito, the user undertakes to:

• Use the service only for personal and lawful purposes;
• Not use the service for unlawful or unauthorised activities;
• Enter fictitious or real information, according to their personal simulation objective. guito does not verify the accuracy of the data entered;
• Not use the service to distribute malware, spam, or unlawful content;
• Not attempt to access unauthorised areas of the system;
• Not reverse-engineer, decompile or modify the software;
• Not resell or commercialise access to guito without authorisation.

5. User Account

Certain features may require the creation of an account. The user is responsible for:

• Maintaining the confidentiality of their credentials;
• All activities carried out on their account;
• Notifying guito immediately of any unauthorised use of their account.

6. Subscriptions and Payments

guito offers paid subscription plans that unlock premium features of the application. These subscriptions provide access to additional financial tracking and analysis tools. Subscriptions are not financial products, investments or regulated services — they are merely software features.

Subscription conditions:

• The prices and features of each plan are available on the pricing page;
• The subscription is activated immediately after payment;
• Subscriptions renew automatically, unless cancelled beforehand;
• The user may cancel the subscription at any time, without penalties;
• Payments are processed securely through certified providers;
• No refunds are issued for unused subscription periods, except in the cases provided for by law (see section 7).

6.1. Promotional Pricing

guito may offer promotional prices or special discounts (such as the "Preço Fundador") to users who subscribe during specific periods.

Promotional pricing conditions:

• The promotional price is maintained for as long as the subscription remains active and uninterrupted;
• If the user cancels the subscription, they lose the right to the promotional price;
• A new subscription following cancellation will be subject to the price in force at the time of reactivation;
• guito reserves the right to discontinue promotional offers for new subscribers at any time.

7. Right of Withdrawal (14 Days)

In accordance with Decreto-Lei n.º 24/2014 (transposing Diretiva 2011/83/UE), the user has the right to withdraw from this contract within 14 days of the initial subscription, without having to give any reason.

Scope: This right applies only to the first subscription. Automatic renewals form part of the initial contract that the user accepted and are not eligible for the right of withdrawal. To avoid future renewals, the user must cancel the subscription before the renewal date.

How to exercise this right: To exercise the right of withdrawal within the first 14 days, contact us at support@guito.pt. If you exercise this right, you will be refunded the amount paid for the initial subscription.

After the 14 days or renewals: If you decide to cancel the subscription after the 14-day period, or after an automatic renewal, there will be no refund for the period already paid, but access to the service will continue until the end of the current billing period.

8. Linking to Bank Accounts (Open Banking / PSD2)

guito allows you to link your bank accounts through services compliant with the Payment Services Directive (PSD2):

• GoCardless, an account information service provider (AISP) authorised under PSD2 and registered with the Banco de Portugal;
• The link is read-only — guito can never move funds;
• guito never directly accesses your banking credentials;
• You may revoke access at any time, by disconnecting the account directly in guito or in your bank's settings;
• Banking data is encrypted and stored securely.

9. Tax Calculators and Simulators

Our tax calculators (income tax, net salary, among others) are developed on the basis of the Portuguese tax legislation in force and are updated regularly to reflect the official tables and rules of the Autoridade Tributária e Aduaneira and the Segurança Social.

For most users with simple tax situations, the results are accurate. However, the user acknowledges that:

• Tax legislation may change after publication;
• Complex tax situations (multiple income sources, specific tax benefits, special regimes) may require personalised analysis;
• The results depend on the accuracy of the data entered by the user;
• guito accepts no responsibility for decisions taken on the basis of the results.

We recommend checking the results with the Autoridade Tributária e Aduaneira or a certified accountant before making important tax decisions.

10. Investment Tracking — Financial Disclaimer

guito provides tools for tracking investment portfolios and analysing financial assets.

guito does NOT provide financial, tax or investment advice. We are not an entity regulated by the Comissão do Mercado de Valores Mobiliários (CMVM) or any other financial authority.

The information, market data and tools provided are for informational purposes only and do not constitute:

• Recommendations to buy or sell assets;
• Personalised investment advice;
• Guarantees regarding future returns;
• Analysis suited to the user's individual risk profile.

Investments in financial assets carry risks, including the possible loss of the capital invested. For professional advice, consult a certified financial adviser or a regulated financial institution.

11. Data Storage

Data entered by users is stored securely on our system, in accordance with the General Data Protection Regulation (GDPR).

For unauthenticated users, some data may be temporarily stored on the device via Local Storage.

For more information, please consult our Privacy Policy.

12. Ownership of User Data

The financial and personal data entered by the user remains their property. guito processes this data solely in order to provide the contracted services, as described in our Privacy Policy.

The user may delete their data at any time through the account settings. To request the export of your data, contact support@guito.pt.

13. Intellectual Property

All content and materials made available on guito — including, but not limited to, texts, graphics, logos, icons, images, source code, algorithms and software — are the exclusive property of guito or its licensors, and are protected by copyright and other applicable intellectual property legislation.

It is prohibited to copy, modify, distribute, transmit, display, reproduce, publish or create derivative works without prior written authorisation.

14. Limitation of Liability

guito provides simulators, calculators and supporting financial information that are for informational purposes only. Despite our efforts to ensure the accuracy of the content, it may contain errors or omissions.

The user is entirely responsible for verifying the accuracy of the information before taking any financial, professional or personal decision based on the data presented.

guito is provided "as is" and "as available", without warranties of any kind, express or implied, including, but not limited to:

• Continuous and uninterrupted availability of the service;
• Absence of errors or technical failures;
• Suitability for any particular purpose;
• Absolute security against unauthorised access.

The user acknowledges that they use the service at their own risk.

guito is an informational tool. To the extent permitted by law, we accept no responsibility for:

• Financial or investment decisions taken on the basis of the information in the application;
• Temporary interruptions of the service or technical failures;
• Inaccuracies in data provided by third parties (market quotes, banking data);
• Financial losses resulting from the user's decisions.

15. Third-Party Integration

guito may integrate third-party services for specific features, including:

• Artificial intelligence features provided by a specialised third-party provider;
• Open Banking services compliant with PSD2;
• Market data and quote providers;
• Application analytics and improvement services.

These services are subject to their respective terms and privacy policies. guito does not control and is not responsible for the privacy practices or content of third parties.

16. Account Suspension and Cancellation

16.1. Cancellation by the User

The user may cancel their account at any time through:

• The account settings in the application;
• An email to support@guito.pt with the subject "Account Cancellation".

Following cancellation:

• Access to the services will cease immediately (or at the end of the billing period, where applicable);
• Data will be retained as set out in the Privacy Policy;
• The user may request the complete deletion of their data.

16.2. Suspension or Cancellation by guito

We reserve the right to suspend or cancel accounts, with prior notice wherever possible and without notice only in cases of fraud, abuse or legal requirement, in the following situations:

• Breach of these Terms and Conditions;
• Fraudulent or abusive use of the service;
• Non-payment of subscriptions (where applicable);
• Conduct that harms other users or the operation of the service;
• Legal requirement or court order.

17. Modifications to the Terms

We may update these Terms from time to time to reflect changes in our services, legal obligations or operational practices.

Changes are published on this page, with the revision date updated at the end. For material changes, we will notify registered users by email, with reasonable advance notice, before the changes take effect.

Continued use of guito after the changes take effect constitutes acceptance of the new Terms. If you do not agree with the changes, you must cease using the service before they take effect.

18. Governing Law and Dispute Resolution

These Terms are governed by Portuguese law. Mandatory consumer protection rules are safeguarded, including the consumer's right to bring proceedings before the courts of their place of domicile. Without prejudice to those rules, the courts of the district of Lisbon, Portugal, shall have jurisdiction.

18.1. Alternative Dispute Resolution

In accordance with consumer protection legislation, the user may resort to alternative dispute resolution bodies:

Consumer Arbitration Centres:

• Centro de Arbitragem de Conflitos de Consumo de Lisboa (www.centroarbitragemlisboa.pt)

Consumer Protection Bodies:

• Direção-Geral do Consumidor (www.consumidor.gov.pt)

19. General Provisions

19.1. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between the user and guito regarding the use of the services.

19.2. Severability Clause

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19.3. Waiver

The failure of guito to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

19.4. Assignment

guito may assign or transfer these Terms in the context of a restructuring, merger or acquisition, informing the user with reasonable advance notice and provided that the assignee assumes full compliance with these Terms and the Privacy Policy. The user may not assign or transfer their rights or obligations under these Terms without the prior written consent of guito.

20. Contact

For any question relating to these Terms, please contact us at:

Email: support@guito.pt Suggested subject: "Termos e Condições"