Terms of Service
Last Updated: July 12, 2026
Welcome to Fiscal Point X.
Please read these Terms of Service ("Terms") carefully before using our website https://fiscalpointx.com or any of our associated domains (the "Service").
The words with initial letters capitalized have meanings defined under the following conditions.
For the purposes of these Terms of Service:
- Affiliate means an entity that controls, is controlled by, or is under common control with a party.
- Country refers to: Italy.
- Company (referred to as "the Company", "We", "Us", or "Our") refers to Terranova Formazione Finanziaria Srl, Via Montenapoleone 14, 20121, Milano, Italy.
- Device means any device that can access the Service, such as a computer, cellphone, or digital tablet.
- Service refers to the Website.
- Website refers to Fiscal Point X, accessible from https://fiscalpointx.com.
- You means the individual accessing or using the Service.
These are the Terms of Service governing the use of this Service and the agreement that operates between You and the Company.
Your access to and use of the Service is conditioned upon Your acceptance of and compliance with these Terms of Service. By accessing or using the Service, You agree to be bound by these Terms of Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit.
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms of Service.
Upon termination, Your right to use the Service will cease immediately.
Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.
The Service is provided to You "AS IS" and "AS AVAILABLE", with all faults and defects without warranty of any kind. The Company disclaims all warranties, express, implied, statutory, or otherwise.
7.1 Program Description: Fiscal Point X (operated by Terranova Formazione Finanziaria Srl) operates an SMS text messaging program through which we send account confirmations, new article notifications, saved-content reminders, and subscription service updates to subscribers who have provided prior express written consent through the opt-in form at fiscalpointx.com.
7.2 Consent: By providing your mobile phone number and checking the consent checkbox on our website, you provide prior express written consent to receive recurring automated text messages from Fiscal Point X (operated by Terranova Formazione Finanziaria Srl) at the mobile number you provide. Messages relate to your account, subscription confirmations, new content notifications, saved-content reminders, and service updates.
7.3 Consent Not Required: Your consent to receive SMS messages is not a condition of purchasing any product or using any service offered by Fiscal Point X.
7.4 Message Frequency: Message frequency varies based on your account activity and subscription preferences.
7.5 Message and Data Rates: Standard message and data rates may apply depending on your mobile carrier plan.
7.6 Opt-Out Instructions: You may opt out of SMS messages at any time by replying STOP to any message. You may also revoke consent through any reasonable method including email to [email protected], a written request to our address, or a request submitted through our website. All opt-out and revocation requests will be honored within 10 business days.
7.7 Support: For assistance, reply HELP to any message or contact [email protected].
7.8 Third-Party Sharing: Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
Informational Disclaimer: The information shared via SMS is for general informational and educational purposes only. It does not constitute personalized financial, investment, tax, or legal advice. Fiscal Point X is not a registered investment adviser, broker-dealer, or financial planner. Consult a licensed professional before making financial decisions.
We reserve the right to modify or replace these Terms at any time at Our sole discretion. By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms.
11.1 Governing Law: These Terms and any dispute arising out of or related to them or your use of the Service, including any SMS communications, shall be governed by and construed in accordance with the laws of Italy, without regard to its conflict-of-law provisions.
11.2 Informal Resolution: Before initiating any arbitration or legal proceeding, you agree to contact Terranova Formazione Finanziaria Srl at [email protected] and provide a written description of the dispute, the relief sought, and your contact information. The parties agree to negotiate in good faith for at least 30 calendar days from receipt of the notice before either party may initiate formal proceedings.
11.3 Binding Arbitration: If the informal resolution process does not resolve the dispute within 30 days, any and all disputes, claims, or controversies arising out of or relating to these Terms, the Service, or any SMS communications shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at www.adr.org. The arbitration shall be conducted in English. The Federal Arbitration Act, 9 U.S.C. Section 1 et seq., governs the interpretation and enforcement of this Section.
11.4 CLASS ACTION WAIVER: YOU AND TERRANOVA FORMAZIONE FINANZIARIA SRL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE AS TO ANY SPECIFIC CLAIM, THAT SPECIFIC CLAIM SHALL BE SEVERED AND RESOLVED IN COURT WHILE ALL OTHER CLAIMS CONTINUE IN ARBITRATION.
11.5 Equitable Relief Carve-Out: Notwithstanding the arbitration agreement above, either party may seek injunctive or other equitable relief in the competent courts of Italy, to prevent irreparable harm pending the outcome of arbitration. You consent to personal jurisdiction in those courts for this limited purpose.
11.6 Arbitration Opt-Out: You may opt out of the arbitration agreement in this Section 11 by sending written notice to [email protected] within 30 days of first accepting these Terms. Your notice must include your full name, the email address associated with your account, and a clear statement that you are opting out of arbitration. If you opt out, disputes will be resolved in court under Section 11.5.
11.7 Severability: If any provision of this Section 11 is found invalid or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.
By subscribing via SMS, you consent to receive text messages from Terranova Formazione Finanziaria Srl. Message and data rates may apply. Message frequency varies. Reply STOP to cancel at any time.
The content provided is for informational and educational purposes only. Terranova Formazione Finanziaria Srl is not responsible for any decisions made based on the content of these messages.
If You have any questions about these Terms of Service, You can contact Us at:
Email: [email protected]
Address: Via Montenapoleone 14, 20121, Milano, Italy