Terms & Conditions

Last updated: 2 October 2026

These Terms & Conditions govern the use of the Veliora Intelligence website and the purchase of digital research publications made available through velioraintelligence.com.

1. Business identification

Veliora Intelligence, operated by Taiwan Duarte da Silva
NIF: 287499804
Rua 1 de Maio N50, Moscavide, Lisboa, Portugal
Email: contact@velioraintelligence.com

2. Scope of the service

Veliora Intelligence provides independent business intelligence, market research and research publications. At present, the website primarily offers downloadable research reports in PDF format.

Veliora does not execute financial transactions, manage client funds, provide portfolio management, or provide personalised recommendations concerning financial instruments.

Veliora's research is provided for general informational and business-planning purposes. It does not constitute investment advice, financial advice, legal advice, tax advice, accounting advice, or a recommendation to buy, sell or hold any financial instrument or asset.

3. Use of the website

You agree to use the website lawfully and not to interfere with its operation, attempt unauthorised access, misuse its content, or use the website for fraudulent or unlawful purposes.

4. Digital publications

Product pages describe the nature and scope of each publication. Prices are displayed before purchase and are subject to the information shown at checkout.

Unless otherwise stated on the relevant product page, digital publications are supplied electronically as downloadable PDF files following successful payment.

5. Intellectual property

Unless expressly stated otherwise, all reports, text, graphics, branding, layouts and other original materials supplied by Veliora Intelligence are protected by applicable intellectual-property laws.

Purchasing a report grants the customer a personal, non-exclusive, non-transferable right to access and use the publication for lawful internal purposes. The customer may not resell, redistribute, publish, reproduce commercially, sublicense or make the publication publicly available without prior written permission.

6. Accuracy and limitations

Veliora aims to use relevant public and other appropriate sources and to present information accurately as of the stated research period. Market conditions, data and external circumstances can change, and no guarantee is made that every publication will remain current after its publication date.

7. Payments

Payments are processed through the payment methods made available at checkout. The customer is responsible for providing accurate billing information.

8. Consumer rights and withdrawal

Nothing in these Terms limits mandatory consumer rights under applicable Portuguese or European Union law. For digital content supplied immediately after purchase, the right of withdrawal may be lost where the customer has expressly requested immediate performance and acknowledged that the withdrawal right will cease once performance begins, to the extent permitted by applicable law.

9. Refunds and defective delivery

Refunds and remedies for defective or failed digital delivery are handled in accordance with the applicable Digital Content & Refund Policy and mandatory consumer law.

10. Third-party services

The website may rely on third-party services, including Shopify, payment providers, email providers and digital-delivery services. Their own terms and policies may also apply.

11. Governing law

These Terms are governed by Portuguese law, without prejudice to mandatory consumer-protection rules that may apply to customers residing in another jurisdiction.

12. Contact

Questions about these Terms may be sent to contact@velioraintelligence.com.