Disclaimer

General Disclaimer

This Disclaimer applies to the use of Maltiva and its content. We provide information for general purposes only, and the content on our website is intended to help you explore pre-retirement coaching, emotional preparation for reforma, and wellness guidance in Portugal.

The information, resources, and guidance provided through our platform are educational in nature and should not be considered exhaustive. While we strive to ensure accuracy and relevance, circumstances vary greatly from individual to individual. We do not warrant that all information is complete, accurate, or current. Your use of our website and materials is at your own risk.

We reserve the right to modify, update, or remove any content on our platform without notice. Your continued access and use of our services following such changes constitutes your acceptance of those modifications.

No Professional Advice

We emphasize that the content available through our platform is not a substitute for professional medical, psychological, financial, or legal advice. Our pre-retirement coaching materials and purpose discovery resources are designed to inspire reflection and exploration, not to replace personalized professional guidance.

Before making significant life decisions regarding your retirement, emotional well-being, or financial planning, you should consult with qualified professionals including therapists, financial advisors, healthcare providers, or legal experts as appropriate. We do not diagnose conditions, prescribe treatments, or provide personalized professional services.

While our wellness coaching resources focus on emotional preparation for reforma and building meaningful routines, individual results vary. We make no guarantees regarding outcomes, benefits, or specific results from engaging with our materials or services in Cascais, Sintra, or other locations in Portugal.

Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your access to, use of, or inability to use our website and services, including but not limited to damages related to lost profits, lost data, or business interruption.

We are not responsible for any damages or losses resulting from your reliance on information provided on our platform, including decisions made regarding retirement planning, career transitions, or wellness practices. You assume full responsibility for evaluating the accuracy, completeness, and usefulness of any information before acting upon it.

In jurisdictions that do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, our liability shall be limited to the maximum extent permitted by law. Some regions may not allow these limitations, in which case applicable local law shall govern.

External Content and Links

Our platform may reference external resources, publications, or third-party services. We do not control, endorse, or assume responsibility for the content, accuracy, or practices of external websites or services. Your use of any external resources is at your own discretion and subject to their own terms and conditions.

We are not liable for any content accessed through external links or references, nor are we responsible for the availability, functionality, or security of external platforms. Always review the terms and privacy policies of any external services before providing personal information or engaging with their content.

User Responsibilities

By accessing our website and services, you agree to use them in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any personal information and for all activities conducted through your account. You warrant that all information you provide is accurate and truthful.

You agree not to use our platform for unlawful purposes, to harass or harm others, or to interfere with the security or functionality of our services. We reserve the right to terminate access to anyone who violates these terms or engages in prohibited conduct.

Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our services, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of our platform following any changes constitutes your acceptance of the updated Disclaimer.

We encourage you to review this Disclaimer periodically to stay informed of any changes. If you disagree with any provision of this Disclaimer, your sole remedy is to cease using our website and services.