Legal Notice

This website, accessible at www.ymwhub.net/en/p60d, is provided by Axelleworth Associates, NIPC 510977561, with its registered office at Brigantia Ecopark - Av Cidade de Leon 506, 5300-358 Bragança.

The Personal Financial Strategy Plan programme is developed and delivered by Luís Lourenço, within the scope of the activity of Axelleworth Associates.

For any question relating to this Legal Notice, the content of the website or the service presented, contact us at ask@ymwhub.net.

The purpose of this website is to present the Personal Financial Strategy Plan programme, explaining its nature, scope, structure, access conditions and contact methods, as well as to enable the scheduling of an initial conversation or direct contact through the channels made available.

The content presented is informational, educational, strategic and commercial in nature, in the context of the presentation of the programme.

The information made available on this website is educational and of personal financial strategy in nature.

The content of the website does not constitute regulated financial advice, personalised investment recommendation, regulated investment advice, portfolio management, financial intermediation, insurance mediation, tax advice, legal advice or the execution of financial transactions.

The programme works on strategy, objectives, criteria, structure, personal financial organisation, decision-making capacity and preparation for autonomous execution.

The programme is developed with complete independence from products, financial institutions, banks, insurance companies, management companies, financial intermediaries or equivalent entities.

Axelleworth Associates and Luís Lourenço do not receive commissions for the taking out of financial products by participants, do not distribute financial products and have no commercial ties with financial institutions within the scope of this programme.

The entire strategy is built according to the participant's reality, objectives, criteria and interests.

The information presented on the website and within the scope of the programme should not be interpreted as a recommendation to take out specific financial products, to use a particular financial institution or to carry out specific investment, savings, credit, insurance or other financial instrument transactions.

When decisions concerning specific financial products, taxation, succession, credit, insurance, regulated investment or other specialised matters are at stake, it may be advisable to obtain advice from a qualified and legally authorised entity.

No return, yield, capital appreciation, savings, gain, specific financial performance or concrete financial result arising from the use of this website or participation in the programme is guaranteed.

The programme does not promise returns. It delivers its architecture, criteria, map, method and practical tools necessary to be able to optimise your future financial life, taking into account your reality and your objectives.

The results depend on individual execution, future decisions, the personal, family, professional, economic and financial context, as well as on external factors that are beyond the control of Axelleworth Associates and Luís Lourenço.

The information made available on this website is presented in good faith, for informational, educational, strategic and commercial purposes.

Axelleworth Associates and Luís Lourenço assume no responsibility for decisions taken exclusively on the basis of the general content of the website, without due consideration of the specific case, without individual assessment or without consultation of qualified entities where this proves necessary.

The final decision on any action, contracting, investment, savings, credit, insurance or financial change always belongs to the user or participant.

This website may contain links to external services, namely scheduling tools, WhatsApp, email or other third-party platforms.

Those services are provided by external entities, with their own privacy policies, cookie policies, terms and conditions.

Axelleworth Associates and Luís Lourenço do not control and are not responsible for the content, operation, availability, privacy practices, cookies or conditions of those external services.

The use of those channels depends on the user's choice when clicking on the respective links or buttons.

The content of this website, including texts, structure, graphic elements, design, visual identity, materials, methods, expressions, frameworks and other communication elements, is protected by intellectual property rights.

The reproduction, distribution, adaptation, publication, sale, assignment or use of the content outside the personal and informational scope requires prior and express authorisation from Axelleworth Associates, except in legally permitted cases.

The use of the website does not grant the user any intellectual property rights over the content presented.

Axelleworth Associates seeks to keep the information presented on this website correct, clear and up to date.

However, the content may be changed, updated, corrected or removed at any time, namely for legal, operational, commercial, technical or programme-evolution reasons.

The applicable version of the programme's conditions will be the one in force at the time of contracting, without prejudice to specific information provided in writing to the participant.

This Legal Notice should be read together with the other legal documents available on the website, namely:

• Privacy Policy;
• Cookie Policy;
• Terms and Conditions.

The Privacy Policy explains how personal data is processed.
The Cookie Policy explains the use of cookies and similar technologies.
The Terms and Conditions govern the contracting and participation in the programme.

The use of this website and the interpretation of this Legal Notice are governed by Portuguese law.

Without prejudice to applicable mandatory rules, any dispute will be heard by the competent Portuguese courts or by the applicable alternative dispute resolution means.

For any question relating to this Legal Notice, the content of the website or the service presented, contact us at ask@ymwhub.net.