Terms of Use

Acceptance

By using any feature or accessing any page or application, the user declares that they have read, understood, and accepted our Terms of Use, Privacy Policy, and Cookie Policy, and agrees to adhere fully to these conditions.

If, after reading the Terms, you have any questions and would like clarification, please contact us through our customer service channels.

Initial Provisions

Our company specializes in creating informational and analytical content about various products and services offered by different companies to help users find the options that best meet their needs.

We provide an online platform that simplifies customer access to products and services offered by partner institutions. We may ask questions and request information to efficiently mediate the relationship between you and the partner company.

Use of the Platform

To access the services provided by our company, you must be at least 18 years old. By accessing the platform and accepting the Terms and Conditions of Use, as well as the Privacy Policy, the user declares they are of legal age, assuming full responsibility for the accuracy of this statement.

Furthermore, by accessing and using the platform, the user declares and guarantees that all information provided, whether personal or not, is true and accurate, that they will maintain the accuracy of this information by updating it as necessary, especially regarding contact details, that they will not submit personal information if they are under 18 years old, that their use of the site does not violate any applicable law or regulation, and that they will not attempt to reverse engineer or decompile parts of the site.

By accepting the Terms and Conditions of Use, the user acknowledges and agrees that their data will be collected, used, and processed by our company as outlined in our privacy policies.

Platform Security

Our company strives to keep the information on its website up-to-date, complete, and accurate. We work to correct any inaccuracies or omissions in the published information as quickly as possible.

We aim to ensure that the data provided is accurate, complete, and current, as well as to guarantee the platform’s continuous and error-free operation. However, we cannot guarantee uninterrupted operation, as the service depends on third parties, such as telecommunications companies and internet providers. Additionally, access to the platform may be suspended due to unforeseen events or force majeure, such as cyberattacks or other issues that compromise its functionalities and the security of user information.

Regarding privacy, we respect the confidentiality of our users’ information. While the website environment is monitored for security reasons, no private information will be disclosed without prior authorization, except in cases outlined in our Privacy Policy, court orders, or legal requirements.

We also emphasize that we do not request passwords, credit card data, or banking information via email, phone, or other service channels. If you receive such communications, disregard them and, if possible, report the situation through our customer service channels. We are committed to combating electronic fraud and rely on user awareness to promote safe internet browsing.

Intellectual Property

The site, its content, and all texts, graphics, images, photos, illustrations, trademarks, trade names, service marks, logos, information, source codes, layouts, domain names, software, know-how, and other materials available on our platform are protected by intellectual property rights.

All intellectual property rights on the site, as exemplified, belong to our company, are licensed to us, or to partners, where applicable. It is strictly prohibited for users to commercially exploit, transmit, disclose, modify, reproduce, copy, or commercially use any content on the platform.

Reproducing any material from the platform is prohibited, except when intended for the user’s personal use. Under no circumstances does the user acquire intellectual property rights over the content provided.

If the user violates any of our company’s intellectual property rights, they will be fully responsible for any civil or criminal consequences resulting from such violation.

By accepting this policy, the user authorizes us to use, copy, reproduce, transmit, translate into other languages, share, or incorporate into other materials, such as videos or advertising content, any statements, testimonials, or comments related to the platform for commercial, institutional, or advertising purposes.

Third-Party Responsibility

Our company, at its sole discretion, may provide links to third-party pages. These pages have not necessarily been reviewed by us and are maintained by third parties over whom we have no control. The use of these pages is entirely your responsibility, and you should pay attention to the terms and conditions of use and privacy policies of each of them.

We are not responsible for the content, materials, accuracy of information, or quality of products or services provided, available, or disclosed on third-party pages, nor do we assume any obligation related to users’ access and use of these pages. Additionally, including links does not imply endorsement of any third parties, information, materials, content, products, or services offered on these pages or any other site.

Our company is also not responsible for fulfilling obligations between users and partner institutions. The user acknowledges and agrees that negotiations with partner institutions, creditors, and/or third parties occur at their own risk.

User Responsibilities

Users are prohibited from: violating any local, national, or international laws that are part of the Brazilian legal system or that, for any legal reason, must be applied in Brazil; engaging in acts contrary to morals and good customs; impersonating another person, whether natural or legal; uploading, transmitting, disseminating, displaying, sending, or making illegal content available in any way, such as materials offensive to the honor and privacy of others, pornographic, obscene, defamatory, slanderous, vulgar, prejudiced, racist, discriminatory, advocating crime, or otherwise objectionable or that may result in civil or criminal liability under the law; sharing content that violates third-party rights, including intellectual property rights; uploading, transmitting, or disseminating unauthorized advertisements, promotional materials, or spam; providing content containing viruses or malicious codes, files, or programs that may interrupt, destroy, or limit the functionality of any software, hardware, or equipment; violating the privacy or confidentiality of third parties; engaging in acts that directly or indirectly harm us, other users, or third parties; or using tools or anonymous proxies to conceal their IP address.

Our company is not responsible for the terms and conditions of use or privacy policies of advertised companies. Nor are we responsible for viruses, malware, spyware, trojans, or any software that may harm or alter users’ devices due to internet browsing, online services, or data transfers.

Users are fully responsible for keeping their operating systems updated and protected with appropriate antivirus programs. Additionally, our company cannot be held liable for technical and/or operational defects or malfunctions arising from the user’s system or information provided by third parties.

Other Provisions

You agree to indemnify, defend, and hold our company, as well as its directors, agents, partners, service providers, and employees, harmless against any damage, liability, lawsuit, or demand, including attorneys’ fees, arising from your use or access to the platform, violation of these Terms of Use, or Privacy Policy.

Furthermore, you also agree to hold our company and its representatives harmless from any damages, liabilities, or demands, including legal costs, resulting from user equipment failures or misuse of information or materials available on the website.

By accepting the Terms and Conditions of Use, the user authorizes our company to communicate with them through various electronic channels, such as email, mobile phone, text messages (SMS), email support, or even physical correspondence.

We reserve the right to modify these Terms and Conditions of Use at any time, at our sole discretion, by publishing an updated version. We recommend that users periodically check for updates, as access and use of the platform are subject to acceptance of the changes.

Disclaimer

We never request any amount of money to release financial products, such as credit cards, loans, or any other benefits. If you encounter such a situation, please notify us immediately through our website.

We strive to keep information as updated as possible, although it may differ from what is found on financial institution websites or specific service providers. It is essential to note that the products advertised on the site are not guaranteed to always be updated. Therefore, we recommend carefully reviewing the usage conditions and terms of acquisition provided by the chosen financial institutions.

Regarding monetization, we receive remuneration from advertisements displayed on our website and from partners who pay us when we refer users interested in their products or proposals. Our publications are based on qualitative and quantitative evaluations of each product, but our partners may influence the order of articles, selection of the “best” products, and their position on the site. Despite this, we do not assume responsibility or guarantee the quality or accuracy of the product information advertised.

Finally, while we make efforts to ensure the accuracy and timeliness of the information, it may not match what is presented on the financial institutions’ or service providers’ websites. We emphasize the importance of reviewing the conditions and terms of acquisition before contracting any financial product. We are not responsible for offers or information published on the site, as all products are presented without a guarantee of timeliness.

Our site displays third-party advertisements through platforms such as Google AdSense and Google Ad Manager. It is important to note that we have no direct control over the content, products, or services promoted by these advertisements. The inclusion of advertisements on the site does not represent a recommendation, endorsement, or approval by our team.

Advertisers are responsible for ensuring the accuracy of the information and compliance with applicable laws and regulations. We recommend carefully evaluating any advertised offer or product before making a purchase or contracting decision.

We are not responsible for damages or losses resulting from interactions with advertisements displayed on our site, including, but not limited to, commercial transactions, product or service quality, or any issues related to privacy and security. If you have any questions or encounter a problem, we suggest contacting the advertiser or the platform displaying the advertisement directly.

If you identify inappropriate, fraudulent advertisements or those that violate your safety and quality expectations, please contact us. We will evaluate and, if necessary, block the advertisements or responsible advertisers to maintain a secure and reliable user experience. While we strive to monitor and filter advertisements, we are not responsible for any damages or losses resulting from interactions with them.