Last updated: April 2026 — Marco Bellini, Zo Umalp
By accessing, browsing, or using the website zoumalp.it (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and any applicable laws and regulations. If you do not agree to these Terms of Use, please do not use the Website.
The content on the zoumalp.it Website is provided for informational purposes only and is not intended to be a comprehensive or detailed statement concerning the matters addressed. The information on this Website is not intended to be, and should not be construed as, financial, legal, or any other form of professional advice.
The owner of the zoumalp.it Website, Marco Bellini, and any contributors to the Website, shall not be liable for any damages or injury resulting from your use of or reliance on the information provided on the Website. The Website and its content are provided "as is" without any warranties, express or implied.
The zoumalp.it Website is intended for individuals who are at least 18 years of age. By accessing the Website, you represent and warrant that you are at least 18 years old. If you are under the age of 18, you are not permitted to use the Website.
The content, design, and all intellectual property rights in the zoumalp.it Website are owned by Marco Bellini or his licensors. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the Website or its contents without the prior written permission of Marco Bellini.
These Terms of Use and your use of the zoumalp.it Website shall be governed by and construed in accordance with the laws of Italy, without giving effect to any principles of conflicts of law.
The content on the zoumalp.it Website is provided for informational purposes only and is not intended to be a substitute for professional financial, legal, or other advice. The information on this Website is not tailored to your individual circumstances and should not be relied upon as a basis for making any financial, legal, or other decisions. If you need such advice, please consult a qualified professional.
The content on the zoumalp.it Website is authored and edited by Marco Bellini, the owner of the Website.