Terms of Service

Effective date: May 2026
Last updated: May 2026

1. Agreement to Terms

By accessing or using ladabo.com (the “Website”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these Terms, you may not access the Website.

2. About Ladabo

Ladabo is an educational website operated by Valentine Pereira, based in Munich, Germany. The site provides financial calculators, guides, and reviews of AI finance tools. Ladabo is not a financial advisor, broker, or lender.

3. Educational Content Only

All content on Ladabo is provided for educational and informational purposes only. It is not:

• Personalized financial advice
• Investment recommendations
• Legal, tax, or accounting advice
• A substitute for a licensed professional

Always consult a qualified professional before making financial decisions. See our full Disclaimer for details.

4. User Conduct

You agree NOT to:

• Use the Website for any unlawful purpose
• Reproduce, duplicate, or copy content without permission
• Attempt to gain unauthorized access to the Website or its systems
• Use automated tools (bots, scrapers) to access the Website
• Post spam, harassment, or harmful content in comments
• Impersonate any person or entity
• Interfere with the Website’s security features

5. Intellectual Property

All content on Ladabo — including text, graphics, logos, calculators, and design — is the property of Valentine Pereira or licensed to us, and is protected by German and international copyright laws.

You may:

• Read and use content for personal, non-commercial purposes
• Share links to our content
• Quote short excerpts with proper attribution to Ladabo

You may NOT:

• Republish content on other websites without written permission
• Use content for commercial purposes without authorization
• Train AI models on our content without explicit license

6. Third-Party Links and Affiliate Disclosure

Ladabo contains links to third-party websites and services. These links are provided for convenience.

Many links are affiliate links — meaning we may earn a commission if you sign up for a service through our link, at no extra cost to you. This does not influence our editorial recommendations.

We are not responsible for the content, practices, or policies of third-party websites. See our Disclaimer for the full affiliate disclosure.

7. Accuracy of Information

While we strive for accuracy, Ladabo makes no warranties about:

• The completeness or accuracy of information
• The current availability of third-party tools or services
• Pricing, features, or terms of third-party products
• Calculator results being applicable to your specific situation

Information may become outdated. Always verify directly with the provider.

8. Calculators and Tools

Ladabo provides free financial calculators. These tools:

• Generate estimates based on user-entered data
• Do not constitute professional financial advice
• May not reflect your specific tax situation, jurisdiction, or circumstances
• Should be used as starting points only

9. Limitation of Liability

To the fullest extent permitted by law, Ladabo, Valentine Pereira, and any contributors are NOT liable for:

• Direct, indirect, incidental, or consequential damages
• Financial losses from decisions based on our content
• Service interruptions or technical issues
• Third-party service failures or losses
• Data loss or security breaches beyond our reasonable control

Your use of Ladabo is at your own risk.

10. Disclaimer of Warranties

The Website is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or virus-free.

11. Indemnification

You agree to indemnify and hold harmless Ladabo and Valentine Pereira from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the Website.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Website after changes constitutes acceptance.

13. Termination

We may suspend or terminate your access to the Website at our discretion, with or without notice, for any reason — including violation of these Terms.

14. Governing Law

These Terms are governed by the laws of the Federal Republic of Germany. Any disputes shall be resolved in the courts of Munich, Germany.

15. EU Online Dispute Resolution

The European Commission provides a platform for online dispute resolution at ec.europa.eu/consumers/odr/. We are not obligated to participate in dispute resolution before consumer arbitration boards.

16. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full effect.

17. Contact

For questions about these Terms, contact:

Valentine Pereira
Ottobrunner Straße 12
81737 München, Germany
Email: herrvalentinepereira@gmail.com