Last updated: 25 October 2026

These terms apply to your use of swiftlake.com (the "site"). By using the site you agree to them, together with our Privacy Policy. If you do not agree, please do not use the site. "We" and "us" mean the owner and operator of swiftlake.com, and "you" means the person using the site.

Information only, not advice

swiftlake.com publishes analysis of public data and news. It is for general information and discussion only. It is not financial, investment, legal, tax, medical or other professional advice, and you should not rely on it as such. Before making a decision that matters, check the underlying sources and speak to a qualified professional.

Accuracy and sources

We work from public sources and try to cite them, but data can be incomplete, revised or wrong. Articles reflect the information available when they were written and may be changed or removed without notice. We do not guarantee that anything on the site is accurate, complete or current. Charts and figures are our own analysis of source data and may differ from the original publisher's.

Intellectual property

The articles, design, layout and our own analysis, charts and code are owned by or licensed to us and are protected by copyright. You may read them, share links to them, and quote short extracts with a clear credit and link back to the article. You may also reuse our charts and figures, for example in media, research or social posts, provided you credit Swift Lake with a link to the article, also credit the original data source named there, and do not present our analysis as the source's own work or imply that we or the source endorse your use. Any other copying or republication, including republishing whole articles, needs our written permission. Facts and numbers themselves are not ours to restrict, but the way we present them is. Source data that belongs to others remains theirs, and trade marks shown are the property of their owners.

Acceptable use

You agree not to disrupt or attack the site, to try to gain access to parts of it that are not public, to overload it with automated requests, or to use it for anything unlawful. We may block access to protect the site.

Links to other websites

The site links to other websites, mostly the sources of our data. We provide the links for convenience. They do not mean we endorse those sites, and we are not responsible for their content or privacy practices.

Disclaimer and liability

The site and its content are provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law. We are not liable for any loss arising from your use of, or reliance on, the site or its content, or from the site being unavailable. Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including for death or personal injury caused by negligence, for fraud, or for your statutory consumer rights.

Changes

We may change the site, or these terms, at any time. The updated terms apply from the date posted on this page. Continuing to use the site means you accept the changes.

Governing law

These terms and any dispute arising from your use of the site are governed by the laws of Portugal, and the Portuguese courts have jurisdiction, without affecting any mandatory rights you have as a consumer under the law of the country where you live.

Contact

Questions about these terms can be sent through the contact form.