Terms of Use

1. Identification

The present MAX FINANCE platform (hereinafter, the «Platform» or the «System») is provided and operated by:

Max Finance — Intermediários de Crédito, Lda
Beloura Office Park, Edifício 8, Piso 0
2710-693 Sintra, Portugal
Contact: suporte@maxfinance.pt

2. Object

These Terms of Use govern access to and use of the MAX FINANCE System, a professional platform for managing credit intermediation processes, insurance brokerage and any other functionalities made available to the collaborators, franchisees and authorised partners of Max Finance.

Use of the System implies knowledge of, full acceptance of, and compliance with these Terms of Use, as well as with the Privacy Policy.

3. Acceptance and changes

By accessing or using the System, the user declares to have read, understood and expressly accepted these Terms. If you do not agree with any clause, please refrain from accessing the System.

Max Finance reserves the right to change these Terms at any time. Changes take effect upon publication on the present page, and continued use of the System will be understood as tacit acceptance of those changes. The date of the last update is indicated at the top of the document.

4. User account and security

4.1. Account creation and assignment

Access to the System is restricted to authorised users, by means of individual and non-transferable credentials issued by Max Finance or by the respective franchisee.

4.2. Responsibility for credentials

The user is solely responsible for the confidentiality of their credentials (email and password) and for all activities carried out from their account. In case of misuse, suspected compromise or loss of credentials, the user shall immediately notify support at suporte@maxfinance.pt.

4.3. Multi-factor authentication and authorised devices

The System uses multi-factor authentication (2FA) mechanisms and email-based validation of new devices. The user undertakes to keep their email address up to date and to authorise only their own, trusted devices.

5. Permitted use and user obligations

The user undertakes to use the System lawfully, ethically and professionally, in compliance with applicable law and the internal guidance of Max Finance. In particular, the user undertakes to:

• Use the System exclusively within the scope of their authorised professional duties;
• Not enter false, misleading or manifestly incorrect data;
• Not attempt to access areas, data or functionalities without express authorisation;
• Not copy, decompile, decompose, reverse-engineer or exploit vulnerabilities in the System;
• Not introduce viruses, malware, scripts or any other code likely to cause damage;
• Respect the confidentiality of the personal and professional data to which they have access, in compliance with the GDPR and applicable national legislation.

6. Integrations with third-party services (Google and others)

6.1. Optional nature and consent

The System offers optional integrations with external services, namely Google Calendar, Google Workspace, email accounts and other providers. These integrations are enabled exclusively after the user's express authorisation through the corresponding consent flows (OAuth).

6.2. Compliance with the Google API Services User Data Policy (Limited Use)

MAX FINANCE's use of information received from Google APIs is subject to the Google API Services User Data Policy, including the Limited Use requirements. In particular, MAX FINANCE undertakes to:

• Use data obtained from Google APIs strictly to provide or improve user-facing features in the System (for example, calendar event synchronisation, reading and sending email in the context of process management);
• Not to transfer data obtained from Google APIs to third parties, except as strictly necessary to provide or improve those features, to comply with a legal obligation, or as part of a merger or acquisition with the user's express consent;
• Not to use data obtained from Google APIs for advertising purposes, targeted marketing or for training artificial intelligence models;
• Not to allow humans to access the data, except: with the user's express consent; for security purposes (abuse investigation); to comply with a legal obligation; or for operational and support purposes where the data is aggregated and anonymised;
• Retain and process the data only for the period necessary for the authorised purpose, deleting it when the user revokes consent.

6.3. Revocation of authorisation

The user may, at any time, revoke the authorisation granted through the security settings of their account in the relevant service — for example, myaccount.google.com/permissions — or by requesting the deactivation of the integration from MAX FINANCE support.

7. Intellectual property

All intellectual property rights relating to the System, including, without limitation, trademarks, logos, interfaces, source code, databases, editorial content, icons and images, are the exclusive property of Max Finance or its licensors, and are protected by applicable national and international legislation.

Any use, reproduction, distribution, modification or creation of derivative works without the prior written authorisation of Max Finance is expressly prohibited.

8. Service availability and absence of warranties

8.1. Best effort

Max Finance undertakes to use its best efforts to keep the System available, secure and operational 24/7, with a high quality of service.

8.2. Maintenance and interruptions

Without prejudice to the foregoing, the System may be temporarily unavailable due to:

• Scheduled maintenance (with prior notice whenever possible);
• Corrective or emergency maintenance;
• Failures in third-party infrastructure (hosting, connectivity, external APIs, cloud providers);
• Force majeure, cyber-attacks or unforeseeable events.

8.3. No additional warranties

The System is provided «as is» and «as available». Max Finance makes no warranties, express or implied, as to the absence of errors, fitness for a particular purpose or the complete absence of interruptions, without prejudice to the mandatory warranties arising from applicable law.

9. Limitation of liability

To the maximum extent permitted by applicable law, Max Finance shall not be liable for indirect damages, loss of profits, loss of data or any other consequential damages arising from the use of, or inability to use, the System, except in cases of wilful misconduct or gross negligence.

Max Finance is not responsible for the content, availability, privacy policies or terms of use of third-party services (including Google, email providers and others) with which the user voluntarily integrates the System.

10. Personal data protection

The processing of personal data carried out within the scope of the use of the System is governed by the Privacy Policy, which is an integral part of these Terms.

11. Suspension and termination

Max Finance reserves the right to suspend or terminate the user's access to the System at any time in the event of:

• Termination or alteration of the professional or contractual relationship between the user and Max Finance or the respective franchisee;
• Breach of these Terms of Use or of the Privacy Policy;
• Legal, judicial or regulatory requirement.

The user may, at any time, request termination of their account, without prejudice to applicable legal obligations regarding information retention.

12. Applicable law and jurisdiction

These Terms of Use are governed by and construed in accordance with Portuguese law.

For the resolution of any dispute arising from the interpretation or performance of these Terms, the parties elect the courts of the judicial district of Lisbon (Comarca de Lisboa) as the competent forum, expressly waiving any other.

13. Contact

For any questions related to these Terms of Use, the user may contact us at suporte@maxfinance.pt.

For questions related to personal data protection, please contact the Data Protection Officer (DPO) at dpo@maxfinance.pt.