Terms and Conditions

1. Acceptance of Terms

By accessing and using the BlabMoney platform, you agree to be legally bound by these terms and conditions. If you do not agree with any of these terms, you should not use our service.

2. Service Description

BlabMoney is a financial portfolio management platform that offers:

• Portfolio analysis and tracking tools
• AI-powered chat assistant for financial insights and recommendations
• Risk profile assessment and management
• Performance reporting and analytics
• Asset search and analysis tools
• Market insights and financial data integration
• Interactive charts and data visualization

3. User Registration and Account Management

To use our services, you must:

• Be at least 18 years of age
• Provide accurate and complete information during registration
• Maintain the confidentiality of your login credentials
• Be responsible for all activities that occur under your account
• Immediately notify us of any unauthorized access to your account

Registration Process

• Registration available via email/password, Google OAuth, or LinkedIn OAuth
• Default portfolio wallets are automatically created upon registration
• Email verification may be required for certain features
• Registration data is processed according to our Privacy Policy

4. Acceptable Use Policy

By using BlabMoney, you agree to:

• Use the service only for lawful and legitimate purposes
• Not interfere with or disrupt the service operation
• Not attempt to gain unauthorized access to other user accounts
• Not use the service for fraudulent or deceptive activities
• Respect the rights and privacy of other users
• Provide accurate information for portfolio and financial data
• Comply with all applicable laws and regulations

5. Data Collection and Privacy

Your privacy is important to us. This section outlines our data practices:

Data We Collect

• Personal information (name, email, authentication data)
• Portfolio data, risk profiles, and investment preferences
• Application usage patterns and analytics (with consent)
• AI chat conversations and interaction history

Cookie Consent Management

We implement GDPR-compliant cookie consent management:

• Essential cookies cannot be disabled (authentication, security)
• Analytics cookies require explicit user consent
• 90-day consent expiry with granular control options

6. AI-Powered Services

Our platform includes AI-powered features that you should understand:

• AI chat powered by Azure OpenAI services with conversation storage
• Chat conversations are stored in your account for continuity
• AI provides financial insights and recommendations based on your portfolio
• AI responses are informational only, not licensed financial advice
• AI recommendations should be reviewed by qualified financial professionals
• AI interactions are processed according to our Privacy Policy

7. Financial Services Disclaimer

• We are not licensed financial advisors, brokers, or investment professionals
• All information and recommendations are for educational purposes only
• Investment decisions are solely your responsibility
• We do not guarantee the accuracy or completeness of financial data
• Always consult licensed financial professionals before making investment decisions
• All investments carry risk, and past performance does not predict future results

8. Intellectual Property Rights

All intellectual property related to BlabMoney is protected:

• BlabMoney S.L. owns all rights to software, designs, content, and trademarks
• We grant you a limited, non-exclusive license to use the platform
• You may not copy, modify, distribute, or reverse engineer our software
• You retain ownership of data you input, but grant us license to process it
• Feedback and suggestions you provide may be used to improve our services

9. Service Availability

We strive to maintain reliable service availability:

• We aim for 24/7 availability but cannot guarantee uninterrupted service
• Scheduled maintenance may temporarily disrupt service availability
• Service depends on third-party providers (databases, APIs, etc.)
• No guarantee of specific uptime percentages or service level agreements
• Emergency maintenance may be performed without advance notice

10. Limitation of Liability

To the fullest extent permitted by law:

• The service is provided 'as is' without warranties of any kind
• We are not liable for financial losses resulting from use of our platform
• You agree to indemnify us against claims arising from your use of the service
• Our maximum liability is limited to the amount paid for the service
• We are not responsible for delays or failures due to circumstances beyond our control

11. Account Termination

Either party may terminate the service relationship:

Termination by User

• You may delete your account at any time through account settings
• Account data will be retained according to our data retention policy

Termination by BlabMoney

• For violation of these terms and conditions
• For inappropriate or abusive use of the service
• When required by law or regulatory authorities
• For business reasons with appropriate notice

12. Modifications to Terms

We reserve the right to modify these terms at any time. Significant changes will be notified to users with at least 30 days advance notice. Continued use of the service constitutes acceptance of modified terms.

13. Governing Law and Jurisdiction

• These terms are governed by the laws of Spain
• Any disputes will be subject to the exclusive jurisdiction of Madrid courts
• EU regulations (GDPR, etc.) apply to data protection and consumer rights
• We encourage resolving disputes through direct communication before legal action

14. Contact Information

For questions about these terms and conditions, please contact us: