Terms of service

Solvo is a Portuguese service, run from Lisboa since 2026. Contact: geral@solvo.pt.

These terms cover the site, the landlord area, the accountant area and the browser extension.

Solvo computes Portuguese property taxes and financial indicators from the data you provide. Every result states the rule version applied, the legal source and the assumptions made.

Results are informative estimates. They are not tax, legal, financial or investment advice, and they do not replace a certified accountant, a lawyer or the Portuguese tax authority. The decision, and responsibility for it, remain yours.

Parts of the service rely on data not yet confirmed against primary sources, or on legislation not yet published. Where that is so, the result says so explicitly. Read those warnings: they are part of the result.

The calculators work without an account. An account saves your book, syncs it across devices and unlocks the paid features.

Sign-in is by a link sent to your email address. You are responsible for keeping access to that mailbox and for what is done from your account.

You may close your account at any time, and export your data first from settings.

The calculators and the extension are free. Paid plans are described on the pricing page, at the price shown when you subscribe.

Prices exclude VAT. Applicable VAT is calculated at checkout according to the country you give.

Payments are processed by Stripe. We never receive or store your card details.

Subscriptions renew automatically for the same period until cancelled. The renewal price and date are shown at checkout and repeated by email before each renewal.

You can cancel at any time from your account. Cancellation takes effect at the end of the period already paid for; there is no pro-rata refund of the current period except where the law requires one.

If you cancel, or if a payment fails, the plan reverts to free and your data stays. We do not delete your book for non-payment.

As a consumer you have 14 days to withdraw without giving a reason (Portuguese Decree-Law 24/2014, implementing Directive 2011/83/EU).

When subscribing, we ask you to declare expressly that you want the service to begin immediately and that you accept losing the right of withdrawal once it has been fully performed. You make that declaration actively at checkout, without it, subscribing is not possible.

If you did not make that declaration, or if the service has not begun, you may withdraw within 14 days by emailing the address in section 1.

The data you enter stays yours. We use it to provide the service and for nothing else. We do not sell it or pass it to third parties for their commercial purposes.

Without an account, what you type into the calculators and the book is calculated and stored in your browser, and does not stay with us. Only three things leave your device: the requests for any page, which the host logs (IP address, time and page); an anonymous count of calculations made, without the values; and, if you use the extension, the facts of the listing you asked it to analyse, which are calculated on our server.

Processing of personal data is described in the privacy policy.

You may not use the service unlawfully, attempt to reach other users' data, work around plan limits, overload the infrastructure, or systematically extract content in order to replicate the service.

The browser extension reads only the listing page you have open, on the portals listed, and only when you trigger it. Do not use it for bulk automated collection: besides breaching these terms, it breaches the portals' own.

We work to keep the service available, but do not guarantee uninterrupted or error-free operation.

Tax rules change. We update the engine when they do and label the rule version on every result. A saved result reflects the rules as at the date it was computed.

We may change these terms. Material changes are notified by email or in the service with reasonable notice. If you disagree, you may cancel.

To the extent permitted by law, we are not liable for decisions taken on the basis of results, for lost profits, or for tax assessed, penalties or interest arising from incorrect inputs, assumptions you did not verify, or changes in legislation.

Nothing here excludes or limits liability that the law does not allow to be excluded or limited, including towards consumers.

Portuguese law applies.

For consumer disputes you may use an alternative dispute resolution body (Portuguese Law 144/2015): the Lisbon Consumer Arbitration Centre (www.centroarbitragemlisboa.pt) or CNIACC, the National Centre for Consumer Arbitration (www.cniacc.pt). The full list is on the Consumer Portal, www.consumidor.gov.pt.

You may also complain through the electronic complaints book at www.livroreclamacoes.pt.