Terms of Use

Effective: July 17, 2026

Educational content only

Everything published on Vantoro — benchmarks, principles, frameworks, and market data — is general educational information. It is not investment advice, financial advice, legal advice, tax advice, or a recommendation to buy or sell any security, currency, or other instrument. Decisions you make remain yours; consult a qualified professional who knows your circumstances.

Market data

Currency figures shown are European Central Bank reference fixings retrieved from a public API. They are informational reference rates, not executable quotes, and may be delayed, unavailable, or incorrect. Never rely on them for trading or settlement.

No warranties

The site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability.

Limitation of liability

To the maximum extent permitted by law, Vantoro and its operator shall not be liable for any loss or damage — direct, indirect, incidental, or consequential — arising from your use of, or reliance on, this site or its content.

Intellectual property

Site content, design, and the Vantoro name and mark are the property of the site operator. You may quote brief excerpts with attribution and a link; wholesale reproduction requires permission.

Third-party links & ads

The site displays a third-party ad placement and may link to external resources. We don't control and aren't responsible for third-party content, products, or practices.

Changes & contact

We may update these terms; continued use after an update constitutes acceptance. Questions: garrotchever@gmail.com.