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Terms and conditions

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These terms are the conditions that govern the use of AmoreCapitale and the Premium subscription.

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AmoreCapitale provides this service. For any question about it or about these terms, write to info@amorecapitale.com.

You do not need to register or accept any contract to browse the site; we only ask you to use it lawfully and in line with the acceptable use section. These terms become a contract when you create an account or subscribe to Premium, and at those moments we ask you to accept them expressly. We record the version accepted and the date, and you can see them in your account settings.

AmoreCapitale is a financial information platform designed for individual investors, especially those who are starting out. It aims to help people understand listed companies through organised data, charts and simple explanations about:

  • their activity and business model;
  • their financial performance and results;
  • their valuation;
  • their risks and outlook;
  • relevant changes in their situation.

The focus is company analysis over the medium and long term. AmoreCapitale is not aimed at trading or short-term operations.

The content is informational, descriptive and educational. AmoreCapitale does not provide investment services or investment advice, and it does not aim to say what to buy, sell or hold.

The information does not take into account your financial situation, your objectives or your risk tolerance. Investment decisions are the responsibility of each user. If you need a recommendation tailored to your circumstances, consult an authorised firm or professional.

  • Without an account and at no cost: you can view company analyses and use the search.
  • With a free account (Google sign-in): you can save up to 3 favourite companies and see what has changed in them since your last visit.
  • With Premium, a paid monthly subscription: unlimited favourite companies, the company comparator, and automatic tracking and alerts for the companies you follow. It also includes the weekly e-mail summary, which you can turn on in your account settings: it brings together the week’s alerts about your favourite companies and, if there are no alerts that week, no e-mail is sent.

Some sections show demonstration data. This data is labelled as such on the page, is fictitious and must not be used as real market information.

There is no minimum age to browse the site. To create an account you must be at least 14, the age from which Spanish law allows you to consent to the processing of your data. To subscribe to Premium you must be of legal age and have legal capacity to enter into contracts.

  • On the plans page you choose Premium while signed in.
  • Before continuing, you see the price and the essential conditions, accept these terms and ask for the service to start immediately.
  • On Stripe’s payment page you review the amount and your details, can correct them or leave at no cost, and confirm the payment, which involves an obligation to pay.
  • Stripe confirms the payment and we activate Premium. You will receive confirmation on a durable medium, such as e-mail.

The price, its currency and whether it includes taxes are shown on the plans page before you subscribe, and the final amount appears on Stripe’s payment page before you confirm. There is no free trial: you are charged from the first day.

The subscription renews automatically every month, for the same charge, until you cancel it. The contract can be concluded in Spanish or in English. We keep the record of your acceptance and Stripe keeps the payment data; you can see your payments and invoices under “Manage subscription”.

You can cancel your subscription at any time, without penalty, under “Manage subscription”, in your account settings or on the plans page. If you cancel for the end of the period, you keep Premium until the period already paid ends and the subscription does not renew. Cancelling does not refund the amount already paid, except in cases of withdrawal or lack of conformity.

If a charge cannot be completed, you keep Premium for up to 3 days while it is resolved.

You cannot delete your account while you have a subscription that can still charge you; you must cancel it first.

If you are a consumer, you can withdraw from the Premium contract within 14 calendar days of concluding it, without giving a reason. Everything you need, including the withdrawal button and the model form, is on the “Withdrawal” page, available at the bottom of every page.

As Premium starts immediately at your request, if you withdraw you only pay the proportional part of the service provided until you tell us. Subscribing does not waive this right.

If you are a consumer, you have the rights the law gives you regarding the conformity of digital services for as long as the contract lasts: if Premium does not work as agreed, you can ask us to bring it into conformity and, where appropriate, a price reduction or termination of the contract. Write to info@amorecapitale.com.

If we change the Premium price, we will tell you by e-mail at least 30 days before it applies. The change will affect the next billing period, never one already paid, and you can cancel before that date without penalty.

We may improve the service and fix errors. If a change significantly harms what you subscribed to, we will tell you with sufficient notice and you can terminate the contract at no cost and receive the proportional part of the period paid and not used.

We will send you the messages needed for your contract. The weekly summary is only sent if you turn it on. Promotional communications are only sent with your consent, which is separate from these terms and from Premium, and which you can withdraw whenever you like.

Data and calculations are produced from the information available and through automated processes. We try to keep them correct and up to date, but they may contain errors, omissions or delays, and we do not guarantee that they are complete or accurate at all times.

Some explanations, such as “Our take”, are generated with artificial intelligence from each company’s data and are published without individual human review. They may contain errors. Before making any decision, we recommend checking the relevant data against official sources, such as the information each company publishes.

Investing in financial markets involves risk, including the possible loss of some or all of the capital invested. A company's past results are no guarantee of future results, and any estimates or expectations shown may not be met.

You agree to use the site lawfully and respectfully. In particular, you may not:

  • use it for unlawful purposes or in ways that harm others;
  • attempt to gain unauthorised access to its systems or interfere with its operation or security;
  • extract content in bulk or by automated means, or reproduce it for commercial purposes without authorisation.

The site's design, text, charts, explanations and other elements belonging to AmoreCapitale are protected by intellectual and industrial property law. You may view them for your personal use, but you may not reproduce, distribute or transform them for commercial purposes without prior authorisation.

The names, trademarks and logos of the companies mentioned belong to their respective owners. They appear on the site for information only and do not imply any relationship with, or endorsement by, those companies.

We work to keep the site available and working properly, but interruptions may occur for maintenance or technical reasons. This does not limit your rights as a Premium customer.

AmoreCapitale is not liable for investment decisions you make based on the information on the site or for their results, because the content is informational and is not advice.

This limitation applies to the extent permitted by law and does not affect the rights consumer protection law gives users, or any liability that cannot legally be excluded.

We may update these terms when the service or the law changes. If you have an account, we will tell you about relevant changes with sufficient notice and ask you to accept the new version. If you do not agree, you can cancel Premium and delete your account before they apply. Your current contract does not change without that notice.

If you have a complaint, write to info@amorecapitale.com and we will reply as soon as possible.

If you are a consumer in Spain, you can also go to the consumer services of your region or town council.

These terms are governed by Spanish law. If you act as a consumer, you keep the protection given by the mandatory rules of your country of residence and may go to its courts.

Outside the European Union, some rights described here, such as the withdrawal period, may differ; those recognised by the mandatory law of your country apply.