Terms and Conditions

1. Acceptance of Terms

By accessing or using the Reserva website ("Site"), you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Site immediately.

2. Description of Service

Reserva provides informational content and tools related to capital analytics and planning for independent professionals. Content on the Site is provided for general informational purposes only and does not constitute financial, tax, legal, or investment advice. Any figures, projections, or illustrative data displayed on the Site are for demonstration purposes and should not be relied upon as a guarantee of any outcome.

3. Eligibility

Use of the Site is intended for individuals who are able to form legally binding contracts under applicable law. By using the Site, you represent that you meet this requirement and that all information you provide to us is accurate and current.

4. Account and Access Requests

Where the Site offers a form to request access, a consultation, or further information, submission of that form does not create any binding obligation on Reserva to provide services, and does not itself establish a client relationship. Any subsequent engagement would be governed by a separate agreement.

5. Acceptable Use

You agree not to use the Site in any way that:

• Violates any applicable local, national, or international law or regulation.
• Attempts to gain unauthorized access to any part of the Site, related systems, or networks.
• Introduces viruses, malware, or other harmful code.
• Involves scraping, harvesting, or automated extraction of Site content without prior written consent.
• Impersonates any person or entity, or misrepresents your affiliation with any person or entity.

6. Intellectual Property

All content on the Site, including text, graphics, logos, illustrations, and underlying code, is the property of Reserva or its licensors and is protected by applicable intellectual property laws. No part of the Site may be reproduced, distributed, or transmitted in any form without prior written permission, except for personal, non-commercial use as expressly permitted.

7. No Financial Advice Disclaimer

Nothing on the Site should be construed as personalized financial, investment, tax, or legal advice. Decisions regarding capital planning, investments, or professional finances should be made in consultation with a qualified, licensed advisor familiar with your individual circumstances. Reserva makes no representation or warranty as to the accuracy, completeness, or timeliness of any information presented.

8. Third-Party Links

The Site may contain links to third-party websites or resources. Such links are provided for convenience only. Reserva does not endorse and is not responsible for the content, products, or practices of any linked third-party site.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Reserva and its representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising directly or indirectly from your use of, or inability to use, the Site or reliance on any content contained within it.

10. Indemnification

You agree to indemnify and hold harmless Reserva, its owners, and representatives from any claims, damages, losses, or expenses arising out of your use of the Site, your breach of these Terms, or your violation of any applicable law or third-party right.

11. Changes to the Site or Terms

Reserva reserves the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also revise these Terms periodically; the updated version will be posted on this page with a revised "last updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Data Protection

Information regarding how personal data submitted through the Site is collected, used, and protected is set out in our Privacy Policy, which forms part of these Terms by reference.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable at the registered location of Reserva, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the jurisdiction of the competent courts at that location, unless mandatory consumer protection law provides otherwise.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

15. Contact

Questions regarding these Terms may be directed through the contact details listed on our Contact page.