Terms and conditions

The service

Navefi is a tool for organising and visualising financial information. It is not a bank, it does not hold money and it does not provide payment services.

Not financial advice

The information, forecasts and suggestions shown in Navefi, including answers from the AI assistant, are informational. They are not financial, tax or investment advice. Decisions and their consequences belong to the user.

Your account

You are responsible for keeping your access credentials confidential and should enable two-factor authentication.

Using Navefi for unlawful purposes, or attempting to access other users’ data, is prohibited.

Subscriptions and payment

Paid plans are charged in advance, monthly or yearly, and renew automatically until cancelled.

Cancellation takes effect at the end of the period already paid. There is no pro-rata refund for started periods, except where the law requires one.

Availability

We work to keep the service available, but we do not guarantee uninterrupted operation. Bank connections depend on third-party systems outside our control.

Governing law

Portuguese law applies. For consumer disputes, users may turn to the competent alternative dispute resolution bodies.