Terms of Service

1. Overview

This website (montares.ad) is operated by Yannick Espuga, based in France ("we", "us", "our"). By using this website, you agree to these terms.

2. Services

Montares operates several software ventures including:

• Neodec — Design software for bankers and advisory firms
• VBAx — VBA development tools for Cursor and VSCode
• Eixar — Payroll software for construction companies

Each venture may have additional terms specific to its service.

3. Payments

Payments for our products and services are processed securely through Stripe. By making a purchase, you agree to Stripe's terms of service. Your payment information is handled directly by Stripe and not stored on our servers.

4. Refunds

Refund policies vary by product. Generally, we offer refunds within 14 days of purchase if you're unsatisfied. Contact us to request a refund.

5. Cancellation

You may cancel any subscription at any time. Your access will continue until the end of your current billing period.

6. Intellectual Property

All content, trademarks, and intellectual property on this website belong to Yannick Espuga. You may not reproduce or distribute any content without permission.

7. Limitation of Liability

Our services are provided "as is". We are not liable for any indirect, incidental, or consequential damages arising from your use of our services.

8. Governing Law

These terms are governed by the laws of France. Any disputes will be resolved in French courts.

9. Contact

For questions about these terms: