Terms and Conditions of Use

3.1 Registration requirements

• The user must be 18 years of age or older;
• Must provide true, accurate and complete information during registration;
• Is responsible for maintaining the confidentiality of access credentials and for all activities carried out on their account.

3.2 Verification and suspension

Savion reserves the right to verify the identity of users, suspend or close accounts that violate these T&C, contain false information, are associated with fraudulent activity, or for any other legitimate reason, with or without prior notice, at its sole discretion. In the event of account closure due to a breach of the T&C, the user will not be entitled to a refund of any amounts paid.

4.1 Approval and publication of products

To sell on the Platform, the Creator must apply for creator status and be approved by Savion. Savion reserves the right to approve, reject or remove any product at any time without obligation to provide justification, in particular when:

• The product does not meet the Platform's minimum quality requirements;
• The content is misleading, fraudulent or violates third-party rights;
• It violates applicable law;
• It causes reputational harm to Savion or other users.

4.2 Creator responsibility

• The Creator is solely and exclusively responsible for the content, quality, legality and delivery of their products;
• The Creator warrants that they hold all necessary rights to the content they publish;
• The Creator is responsible for fulfilling their tax obligations arising from sales made;
• The Creator undertakes not to make promises of guaranteed financial returns, particularly in products related to trading and investment.

4.3 Payments and commissions

Savion charges a Commission of 8% on the gross value of each transaction completed on the Platform. Payments are processed via Stripe Connect. The Creator will receive the net amount (after deduction of the Savion Commission and Stripe processing fees) directly into their bank account linked to their Stripe account, within the timeframes established by Stripe. Additionally, if the Creator has activated the affiliate programme for a product, the commission percentage set by the Creator will be deducted. In the event of an active referral between creators (partner programme), an additional commission of 3% will be charged.

5.1 Product purchases

By purchasing a Digital Product on the Platform, the Consumer acquires a personal, non-exclusive and non-transferable licence to access and use the content for personal, non-commercial purposes. The purchase does not transfer any intellectual property rights over the content.

5.2 Refund policy

Savion offers a 14-day satisfaction guarantee from the date of purchase for most digital products. The Consumer may request a refund under the following conditions:

• The request is made within 14 days of purchase;
• The Consumer has not accessed more than 20% of the course content (where applicable);
• The product has not been downloaded in its entirety (for e-books and files).

Refund requests must be sent to geral@savionapp.com. Savion reserves the right to refuse abusive or repeated refund requests. Mentoring products, communities and trading signals may have specific refund conditions indicated on the product page.

6.1 Savion's property

The Savion brand, logo, design, code, structure and all elements of the Platform are the exclusive property of Savion App Technology or its licensors. Reproduction, distribution, modification or use of these elements without prior written authorisation is expressly prohibited.

6.2 Creator content

The Creator retains intellectual property over the content they publish. By publishing on the Platform, the Creator grants Savion a worldwide, non-exclusive, royalty-free and sublicensable licence to use, reproduce, adapt and display the content solely for the purpose of operating and promoting the Platform. The Consumer may not reproduce, distribute, sell or sublicense purchased content.

8.1 Savion's liability

Savion acts as an intermediary between Creators and Consumers and is not responsible for the content, quality, legality or delivery of products sold by Creators. Savion does not guarantee the continuity, uninterrupted availability or error-free operation of the Platform. To the fullest extent permitted by law, Savion's total liability to any user, under any circumstances, shall not exceed the amount of commissions paid by the user to Savion in the 12 months prior to the event giving rise to liability.

8.2 Risk warning (trading products)

Trading, investment and financial market-related products available on the Platform are for educational and informational purposes only. Savion does not provide financial, investment or tax advice. Trading financial instruments involves significant risk of capital loss. Past performance is not indicative of future results. Users should seek independent professional advice before making investment decisions.

11.1 Amicable resolution

In the event of a dispute, the user should contact Savion at geral@savionapp.com. The parties undertake to make every effort to resolve the dispute amicably within 30 days.

11.2 Alternative dispute resolution

Consumers residing in the European Union may use the European Commission's Online Dispute Resolution platform, available at https://ec.europa.eu/consumers/odr. In Portugal, they may also resort to the Consumer Dispute Arbitration Centre or another competent alternative dispute resolution body.

11.3 Jurisdiction

Without prejudice to consumer rights under applicable law, these T&C are governed by Portuguese law. For the resolution of any disputes not resolved amicably, the parties submit to the exclusive jurisdiction of the courts of the district of Cascais, Portugal.