Terms of Service

1. About Oitava

Oitava (“we”, “us”, “our”) is an investment portfolio tracker that provides portfolio management, financial data and research tools, an earnings calendar, and a tax calculator for EU residents. The service is operated by Maria Manuela Alves Gaspar Correia, NIF 155256920, a sole proprietor (Empresário em Nome Individual) registered in Portugal. Contact: [email protected].

2. Eligibility

You must be at least 18 years old to use Oitava. The service is available to residents of the European Union and the United States only. By creating an account you confirm that you meet these requirements.

3. No Financial Advice

Oitava is a tool for informational purposes only. Nothing on the platform constitutes financial, investment, tax, or legal advice. You are solely responsible for your own investment decisions. Always consult a qualified professional before acting on any information you find here.

4. Free Trial

Oitava is free, with full access and no credit card required, through 19 July 2026. Starting 20 July 2026, every account gets a 14-day free trial, no payment method required to start:

• Founding members — accounts registered on or before 19 July 2026. Your trial starts 1 August 2026 and runs 14 days, so you will not be asked to pay until 15 August 2026.
• Standard members — accounts registered on or after 20 July 2026. Your 14-day trial starts on the day you register.

When your trial expires your account will be locked and you will no longer be able to access the application until you subscribe. Your data is retained and will be fully accessible again if you activate a subscription at any time. You may also request deletion of your data at any time — see Section 8.

Founding member pricing. Users who registered on or before 19 July 2026 and activate a paid subscription retain access at the founding member rate for as long as their account remains active and in good standing. This rate will not increase for founding members even if standard pricing changes.

5. Paid Subscriptions

After your trial period, continued access requires a paid subscription. Subscription fees, billing cycles, and available plans are listed on our Pricing page. Payments are processed by Stripe. By subscribing you authorise us to charge your payment method on a recurring basis until you cancel.

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period; no partial refunds are issued for unused time unless required by applicable law.

5a. VAT

Prices shown are exclusive of VAT. VAT is charged at the rate applicable in your country of residence, as required by EU law. The applicable VAT amount will be shown at checkout before your payment is confirmed. If you are a VAT-registered business purchasing on behalf of your company, please contact us to arrange B2B invoicing.

6. Acceptable Use

You agree not to:

• Use the service for any unlawful purpose.
• Attempt to gain unauthorised access to any part of the platform.
• Scrape, reverse-engineer, or resell any part of the service.
• Upload files that contain malicious code.
• Share your account credentials with others.

We reserve the right to suspend or terminate accounts that violate these terms.

7. Intellectual Property

All content, design, code, and branding on Oitava is owned by or licensed to us. You retain ownership of the financial data you import. You grant us a limited licence to store and process your data solely to provide the service.

8. Account Deletion and Data

You may delete your account and all associated data at any time from the Settings page inside the application, or by contacting us at [email protected]. Deletion is permanent and irreversible. This right applies regardless of whether your account is on a trial, active subscription, or locked.

9. Disclaimers and Limitation of Liability

The service is provided “as is” without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of any financial data displayed. To the maximum extent permitted by applicable law, Oitava shall not be liable for any indirect, incidental, or consequential damages arising from your use of the service.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you by email at least 14 days before any material change takes effect. Continued use of the service after the effective date constitutes acceptance of the revised Terms.

11. Governing Law and Disputes

These Terms are governed by the laws of Portugal. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the Portuguese courts, without prejudice to any mandatory consumer protection rights you may have under the law of your country of residence.

12. Contact

Questions about these Terms? Email us at [email protected].