Terms of use
This English version is provided for convenience; in case of any discrepancy, the Portuguese version prevails.
1. The service
Cardi Invest, by LuxuryCardinal Unipessoal Lda (Portuguese tax number NIF 517768119, Rua Marquesa de Alorna, 31, 3.º D, 1700-300 Lisboa), is a tool for the preliminary analysis of buy, renovate and resell (fix & flip) property deals in Portugal: calculation of costs, taxes, financing, scenarios, an estimate of the sale value and an artificial intelligence assistant.
2. Free beta
During the Beta phase the service is free, with no monthly limit on analyses for registered users and no request for payment. We may apply technical limits to prevent abuse. Before any move to paid plans, we will give advance notice and nothing will be charged without your express acceptance.
3. Account
- You must be 18 or older and provide truthful information.
- You are responsible for keeping your password confidential.
- One account per person; automated account creation is not allowed.
4. Acceptable use
You may not use the service for unlawful purposes, for mass collection of data from property portals, to try to access other users’ data, or to overload the platform. Respect the terms of the portals whose listings you analyse.
5. Nature of the analyses
The results are preliminary estimates. Market and renovation values suggested by the AI and comparables obtained online (asking prices, not sale prices) must be confirmed. The analyses do not replace a certified property valuation, document checks, or legal, tax or financial advice. Investment decisions are your sole responsibility.
6. Your content
The deals, photos and documents you create are yours. You grant us only the permission needed to store and process them in order to provide the service to you.
7. Availability and changes
As a Beta version, the service may have interruptions, errors or changes in features. We may update these terms; relevant changes will be announced in the app.
8. Liability
To the extent permitted by law, we are not liable for losses resulting from decisions made on the basis of the platform’s estimates.
9. Closing your account
You can delete your account at any time in My profile. We may suspend accounts that breach these terms.
10. Governing law
Portuguese law.
11. Complaints and dispute resolution
You can file a complaint in Portugal’s Electronic Complaints Book (Livro de Reclamações Eletrónico) or write to contato@luxurycardinal.pt. For consumer disputes, you may use an alternative dispute resolution body: CNIACC — National Consumer Arbitration Centre or the Lisbon Consumer Arbitration Centre.
12. Paid plans, payment, cancellation and refunds
- Plans and prices. The Pro, Plus and Business plans and their prices are shown on the Subscription screen. Prices are in euros and include VAT at the applicable rate. The Free plan costs nothing.
- Payment and renewal. Payment is made by card through Stripe, monthly or yearly, and renews automatically at the end of each period until you cancel. You receive the invoice by e-mail, issued by certified invoicing software.
- Cancellation. You can cancel at any time under Subscription → Manage subscription. The plan stays active until the end of the period already paid and is not charged again; after that the account moves to the Free plan, keeping your saved deals.
- Right of withdrawal (consumers). You have 14 days from subscribing to withdraw without giving a reason, by writing to contato@luxurycardinal.pt. As the service starts immediately at your request, we refund the amount paid minus the share corresponding to the time already elapsed, within 14 days and using the same payment method.
- Other refunds. Outside that period, periods already started are not refunded, except for a serious service failure we do not fix within a reasonable time or where the law requires it.
- Changing plan. Upgrades take effect immediately with a prorated adjustment; downgrades take effect at the end of the current period.
- Price changes. We give at least 30 days’ notice before renewal; if you do not agree, you can cancel before that date.
- Failed payment. If a payment fails and is not settled, the account moves to the Free plan.