Terms & Conditions
Last updated: June 2026
These Terms govern the use of qflab.info and Quantum Finance Lab ("QFL") services, based on the Angolan Civil Code, Law no. 7/17 (Electronic Communications & Information Society Services), Law no. 22/15 (Consumer Protection), and on the international trade usages recognized by UNCITRAL (Model Law on Electronic Commerce, 1996) and the International Chamber of Commerce (ICC), including the Incoterms® 2020 and UCP 600 for documentary credits.
1. Scope
Advisory services in finance, AI/FinTech, process optimization and market intelligence, including the Angola Report.
2. Acceptance
Use of the site implies acceptance of these Terms (art. 217 Civil Code; art. 26 Law 7/17 — validity of electronic contracts).
3. Pricing & payment
- Prices in EUR, USD or AOA.
- Payments inside Angola comply with the Foreign Exchange Law no. 5/97 and BNA rules.
- Cross-border trade follows Incoterms® 2020 and, where applicable, UCP 600.
4. Consumer rights
Clear information, quality, complaint and withdrawal rights under Law 22/15.
5. Intellectual property
Content protected under Law no. 15/14, the Berne Convention and the WTO TRIPS Agreement.
6. Confidentiality
All non-public client information is treated as confidential.
7. Liability
Reports are informative and not binding advice; QFL is liable only for willful misconduct or gross negligence (art. 798 Civil Code).
8. Force majeure
Neither party is liable for force majeure events, aligned with the ICC Force Majeure Clause (2020).
9. Governing law & disputes
Angolan law; courts of Luanda. International contracts may be referred to arbitration under Law no. 16/03 or the ICC Rules of Arbitration.