Legal Notice & Terms & Conditions of Use
1. Identification of the Website Owner
| Owner / Legal Entity | VORTICEPACIFICO ENGENHARIA LDA |
|---|---|
| EU VAT / Tax ID (NIPC) | PT518972895 |
| Registered Office | Quinta do Feijó, Loja AK 48, 4905-511 Mujães, Viana do Castelo, Portugal |
| General & Data Protection Contact | legal@vorticepacifico.com |
For the purposes of these Terms, "the Site", "we", or "the Platform" refer to savingscertificates.eu, owned by VORTICEPACIFICO ENGENHARIA LDA. "User" refers to any individual accessing or browsing the Site.
2. Purpose and Scope
The Site is purely educational and informational: it gathers public data regarding state-guaranteed savings products across European countries (including Irish State Savings Certificates and Savings Bonds), providing independent calculation tools and explanatory guides.
The Site is not owned by, affiliated with, operated by, sponsored by, or endorsed by any government authority, the National Treasury Management Agency (NTMA), An Post, the Central Bank of Ireland, or any banking institution. All third-party trademarks belong to their respective owners and are used strictly for identification purposes.
3. Disclaimer — Financial Information
No financial, tax, or investment advice. Information on the Site is provided solely for general informational purposes and does not constitute formal financial advice or a recommendation to subscribe to any security. All investment decisions are the sole responsibility of the User.
Simulators — indicative results. Calculations generated by our tools are estimates based on published official terms. They do not replace official statements issued by NTMA or An Post.
Limitation of liability. To the maximum extent permitted by law, VORTICEPACIFICO ENGENHARIA LDA shall not be liable for any direct or indirect damages arising from the use of the Site or financial decisions taken based on its content.
4. Intellectual Property
Unless otherwise stated, all original content (text, design, source code, calculators) is the property of VORTICEPACIFICO ENGENHARIA LDA. Citation with attribution and hyperlink is permitted; commercial reproduction is strictly prohibited.
5. Third-Party Links
The Site may contain links to third-party websites (NTMA, State Savings, An Post). We exercise no control over these sites and accept no responsibility for their content or privacy practices.
6. Applicable Law & Jurisdiction
These Terms are governed by Portuguese law. Subject to mandatory consumer rights, disputes are subject to the courts of Viana do Castelo, Portugal. EU consumers may also utilize the European Online Dispute Resolution Platform.