Terms and conditions

Conditions of use for the Livo platform

These Terms and Conditions regulate the access and use of the website www.livo.pt under the responsibility of Mundo Ageas Serviços, Unipessoal, Lda. with registered office at Praça Príncipe Perfeito, n.º 2, 1990-278 Lisboa, Portugal, registered with the Commercial Registry Office of Lisbon, under the single registration and legal person number 515750395, hereby represented by the manager João Maria Jerónimo and the manager Marisa Ines Castro, with sufficient powers for the purpose (hereinafter “LIVO”).

Access to and use of the website is provided exclusively for personal or informational purposes and for the promotion of LIVO’s activity.

By accessing this website, the respective user (hereinafter “User”) agrees to respect and comply with these Terms and Conditions. If you do not wish to be bound by them, you must refrain from using it.

LIVO reserves the right to amend, in whole or in part, at any time and without prior notice, these Terms and Conditions, as well as the Privacy Policy and Cookies Policy, which will come into force as soon as they are published on the website. We therefore advise you to consult these sections regularly.

Use of the website

The access and use of this website, including the information contained therein, is the sole responsibility of the User, who undertakes to use the website and its functionalities, content and purposes correctly, in accordance with the law, this legal notice and the instructions and notices that are communicated.

The User is also responsible for the communication of incorrect, false or third-party information or data without their consent.

The User undertakes to exclusively use the website and all its contents for lawful and non-prohibited purposes, which do not infringe current law and/or may be harmful to the legitimate rights of LIVO and any company belonging to the Ageas Portugal Group (“Ageas Group”) or any third party, and/or which may cause any damage or harm directly or indirectly.

To this end, the User refrains from using any content of the website for illicit purposes or effects, prohibited in this legal notice, harmful to the rights and interests of third parties or which, in any way, may damage, disable, overload, deteriorate or prevent the normal use of the website, computer equipment or documents, files and all kinds of content stored on any computer equipment (hacking) of the Ageas Group, other Users or any Internet User (hardware and software).

In particular, and by way of illustration only and not exhaustively, the User undertakes not to transmit, disseminate or make available to third parties information, data, content, messages, graphics, drawings, sound and/or image files, photographs, recordings, software and, in general, any type of material that:

  • in any way contravenes, belittles or infringes the fundamental rights and public freedoms recognized by the Constitution, international treaties and other legislation;
  • induces, incites or promotes actions that are criminal, libelous, defamatory, infamous, violent or, in general, contrary to the law, generally accepted morals and good customs or public order;
  • induces, incites or promotes discriminatory actions, attitudes or thoughts based on sex, race, religion, beliefs, age or condition;
  • incorporates, makes available or allows access to products, elements, messages and/or services that are criminal, violent, offensive, harmful, degrading or, in general, contrary to the law, generally accepted morals and good customs or public order;
  • is false, ambiguous, inaccurate, exaggerated or untimely, in such a way as to mislead or be likely to mislead about its purpose or the intentions or purposes of the informant;
  • is protected by any intellectual or industrial property rights belonging to third parties, without the user having previously obtained the necessary authorization from their owners to carry out the use they are making or intend to make;
  • violates the business secrets of third parties;
  • is contrary to the right to honor, personal and family privacy or the image of the person; in any way disparages the credit of LIVO or third parties;
  • infringes the regulations on the secrecy of communications;
  • constitutes, as the case may be, illicit, misleading or unfair advertising and, in general, constitutes unfair competition;
  • incorporates viruses or other physical or electronic elements which may damage or prevent the normal operation of LIVO’s or third parties’ network, system or computer equipment (hardware and software) or which may damage electronic documents and files stored on said computer equipment;
  • causes difficulties in the normal operation of the Service due to its characteristics (such as format, extension, etc.).


In accordance with the above, the User undertakes to use the content made available to Users on the website, meaning, but not limited to, texts, photographs, graphics, images, icons, technology, software, hyperlinks and other audiovisual or sound content, as well as their graphic design and source codes (hereinafter, the “Contents”), in accordance with the law, this legal notice, the other notices, regulations of use and instructions made known, as well as with generally accepted morals and good customs and public order, and, in particular, undertakes to refrain from:

  • reproducing, copying, distributing, making available or in any other way publicly communicating, transforming or modifying the Contents, unless you have the authorization of the owner of the corresponding rights or it is legally permitted;
  • suppress, manipulate or in any way alter the copyright and other identifying data of the reservation of rights of LIVO or companies of the Ageas Group or their owners, fingerprints or any other technical means established for their recognition.
  • to obtain or even attempt to obtain the Contents, using means or procedures other than those which, depending on the case, have been made available for this purpose or have been indicated for this purpose on the website where the Contents are located or, in general, those which are commonly used on the Internet for this purpose, provided that they do not represent a risk of damage to or disablement of the website, the Services and/or the Contents.


In particular, the use of LIVO’s photographic and audio/video files is subject to the following conditions:

Their use for commercial purposes and/or their subsequent distribution is prohibited. The images and audiovisual resources available are for the exclusive use of the media, for purely informational purposes, provided their origin is mentioned.

They may not be used to illustrate the activities, products or events of other companies.

LIVO reserves the right to withdraw authorization to use any of these images or audio/video files whenever it considers that they are intended for purposes that are in any way detrimental to the interests of the brand.

Industrial and intellectual property

The contents, including but not limited to the icons, images, graphics, text, photographs and functionalities on the Website are protected by intellectual property rights and/or personality rights. Said contents subject to copyright, industrial property, domain names and/or personality rights are the exclusive property of LIVO or third parties who have authorized their use on the website.

The User undertakes to respect the industrial property rights of LIVO, Ageas Group companies and any other third party. The use or granting of access to the website does not imply the granting of any right over the trademarks, trade names or any other distinctive symbol used on it.

Users may download the website to their terminal for private use, without any commercial purpose, and may not exploit, reproduce, distribute, modify, publicly communicate, assign, transform or use the contents of the website for public or commercial purposes.

In addition, the Contents are the intellectual property of LIVO or the companies belonging to the Ageas Group, without any of the exploitation rights or any other rights that exist or may exist over said Contents beyond what is strictly necessary for the correct use of the website being deemed to have been assigned to the User by virtue of the provisions of this legal notice.

Operation of the website

LIVO does not guarantee the availability and continued operation of the website. Where reasonably possible, LIVO will give prior notice of interruptions in the operation of the website. LIVO also does not guarantee the usefulness of the website for carrying out any particular activity, nor its infallibility.

LIVO reserves the right to suspend access without prior notice to Users who, at its discretion, do not comply with the rules for using its website and to take appropriate legal action.

Third party websites

The LIVO website may contain links to other websites. These links will be included solely for the convenience of the User and do not imply any association with or endorsement by the Company of such websites and the respective entities that manage them, their content or functionalities. These terms and conditions will not apply to third party websites which will have their own terms and conditions and policies.

As such, if the User visits another website, redirected from LIVO’s website, they must be aware of and accept the terms and conditions and privacy policy of that website.

LIVO hereby excludes any liability for references made to third-party websites, their content or the activity carried out by these websites, including advertising activity, and shall not be liable for any damage or loss arising directly or indirectly from the use of these websites.

Exclusion of liability

LIVO makes every effort to avoid any errors in the content of the website but cannot guarantee the accuracy, reliability or timeliness of any information or statements contained therein or instructions, advice and opinions.

LIVO shall not be liable for any damages of any nature whatsoever arising from or in connection with:

  1. interruption of the functioning or lack of availability of access to the web page;
  2. privacy and security in the use of the website by the User, and/or unauthorized access by unauthorized third parties.

Use of Cookies

LIVO may use cookies to facilitate browsing on its website and to know the User’s preferences, allowing them to be recognized. However, Users may configure their equipment to accept or not accept the cookies they receive in accordance with the instructions contained in our Cookies Policy.

Protection of personal data

The User should read the Privacy and Personal Data Protection Policy which forms an integral part of these Terms and Conditions to understand how personal data is collected and used and for what purposes.

Changes to the Terms and Conditions

LIVO reserves the right, at any time, to introduce modifications or changes to the Terms and Conditions, with the relevant changes being duly notified to the User through the Website, by means of specific notices published on the Website and prior to the User’s request for consent to said changes. The User should consult the Terms and Conditions regularly.

If the User does not accept the modified Terms and Conditions, they must cease using the Website.

In the event of a conflict between these Terms and Conditions and those subsequently published as a result of changes, the latter shall prevail over the former.

Miscellaneous Provisions

The invalidity of any provision contained in these Terms and Conditions shall not affect the remaining provisions, which shall remain valid and fully in force; the part affected by the invalidity shall be governed by the applicable supplementary rules, with recourse, if necessary, to the rules of integration of legal transactions.

LIVO may exercise its rights in the event of non-compliance with these Terms and Conditions at any time it deems appropriate. The fact that it does not exercise them at a specific time does not mean that it waives them.

Legislation and jurisdiction

In the absence of an amicable agreement between the parties, the respective conflicts and disputes of any nature relating to the formation, execution or interpretation of this Contract shall be definitively resolved by the Judicial Courts of Lisbon, with express waiver of any others.

Last updated: January 2024

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