Terms of use

These terms govern access to bliq.pt and, absent a specific contract, use of BLIQ services. Where a proposal or contract has been signed with the client, that document prevails over these terms.

BLIQ services are intended exclusively for businesses and professionals, not consumers. By using the site or services on behalf of a company, you confirm you are authorised to represent it.

BLIQ provides financial analysis and identifies optimisation opportunities, for information and management-support purposes. BLIQ:

Euro figures shown — on the site, in diagnoses or in the app — are estimates based on available data, assumptions and sector comparisons. Actual results depend on factors outside BLIQ’s control. References such as "average capital to release" or response times are indicative and do not constitute a guarantee.

Analyses depend on data provided by the client and on public or third-party sources, which BLIQ does not audit or verify. The client warrants that the data it shares is accurate, complete and lawfully shared. BLIQ is not liable for conclusions affected by incomplete, incorrect or outdated data.

Some features, such as the assistant, use artificial intelligence and may produce inaccurate or incomplete answers. Such content should be validated before it informs significant decisions.

Decisions made on the basis of BLIQ analyses are the client’s sole responsibility. We recommend validation by qualified professionals before decisions with tax, legal, financial or employment impact.

Plans and prices shown on the site are indicative. Unless stated otherwise, they exclude VAT. Final terms — scope, price, timelines, discounts and service levels — are set out in the proposal accepted by the client. BLIQ may change published prices without affecting existing contracts.

The site and services are provided "as is" and "as available". We aim to keep them running continuously, but interruptions, errors or maintenance periods may occur.

You may not:

The site, the BLIQ brand, Money Finder, and BLIQ’s methodologies, algorithms, models and benchmarks belong to BLIQ. The client retains ownership of its data and receives a limited, non-exclusive, non-transferable licence to use reports internally. BLIQ may use aggregated, anonymised data to improve its services and produce benchmarks.

BLIQ treats non-public financial information shared by the client as confidential and does not disclose it to third parties, except to providers needed to deliver the service or where required by law.

To the fullest extent permitted by law:

These limitations do not apply in cases of wilful misconduct or gross negligence.

The client agrees to indemnify BLIQ against third-party claims arising from breach of these terms or from sharing data without a lawful basis.

The site may link to third-party sites such as LinkedIn. BLIQ does not control and is not responsible for their content or policies.

BLIQ may suspend or restrict access to the site or services in case of breach of these terms, abusive use or security risk.

BLIQ is not liable for failures caused by events beyond its reasonable control, such as infrastructure provider outages, cyberattacks, disasters or decisions by authorities.

If any clause is found invalid, the rest remain in force. BLIQ’s tolerance of a breach does not waive its rights. Notices may be given by email.

These terms are governed by Portuguese law. The courts of Porto have jurisdiction over any dispute.

We may revise these terms at any time. The version in force is the one published on this page.