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BORRADOR — pendiente de revisión legal. Este texto es una plantilla orientativa con datos pendientes de completar (entre corchetes). No es válido legalmente hasta su revisión por un abogado y su traducción a NL/EN.

Terms & Conditions

Last updated: [date pending] · Draft version

Govern the use of the Patrimonia platform, operated by [Handelsnaam] (sole proprietorship, Netherlands, KvK [KvK number]).

1. Purpose

Patrimonia is a technology and educational platform for organising wealth information and AI automation. It is not financial, tax or investment advice, nor asset management.

2. Acceptable use

  • You are responsible for the accuracy of the data you provide.
  • Unlawful use, reverse engineering and unauthorised access are prohibited.
  • The account is personal and non-transferable.

3. Intellectual property

The software, brand and design belong to [owner] or its licensors. You retain ownership of your documents and data.

4. Artificial intelligence

AI features generate proposals with human oversight; they may contain errors and do not constitute professional financial advice.

5. Limitation of liability

The service is provided "as is". To the extent permitted by law, we do not guarantee accuracy or results and are not liable for indirect damages from your decisions.

6. Governing law

Laws of the Netherlands. Consumers keep their mandatory rights (Book 6 DCC, Directive 2011/83/EU), including the 14-day withdrawal where applicable.

7. Contact

[contact email] · [physical address].

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