Terms of Use

Last Updated: March 10, 2026

These Terms of Use (“Terms”) govern the access to and use of the services, content, and digital platforms provided by SPUN MIDIA LTDA, registered under CNPJ No. 43.629.487/0001-89, with administrative headquarters in Rio Grande do Sul, Brazil.
For legal purposes, this company acts as the Data Controller of the data collected.

1. ACCEPTANCE OF TERMS AND SCOPE OF APPLICATION

1.1. By accessing, browsing, or using any website, subdomain, application, or form belonging to the Controller or to companies within its economic group, the user declares that they have read, understood, and fully accepted these Terms.

1.2. These Terms constitute a legally binding agreement between the Controller and the user. If the user does not agree with any provision herein, they must immediately refrain from using the platform.

2. ELIGIBILITY AND AGE RESTRICTION

2.1. The content and services available on this portal are intended exclusively for individuals who are 18 (eighteen) years of age or older.

2.2. The Controller does not knowingly request or process data from minors. If the use of the platform by minors is identified, any associated records will be immediately deleted.

3. NATURE OF THE SERVICE AND LEGAL DISCLAIMER (FINANCIAL DISCLAIMER)

3.1. Informational Nature
This portal operates exclusively as a platform for news curation, financial education, and the promotion of third-party products and services.

3.2. No Banking Relationship
The Controller is not a financial institution, does not grant loans, does not issue credit cards, and does not hold or manage financial assets.

3.3. No Financial Advice
None of the information available on the website should be interpreted as financial advice, investment recommendations, asset trading suggestions, or guarantees of credit approval.

3.4. Independent Decision-Making
The user acknowledges that the acquisition of any financial product mentioned on the platform constitutes a direct transaction between the user and the respective financial institution, without any guarantee, liability, or responsibility from the Controller.

4. INTELLECTUAL PROPERTY AND USE RESTRICTIONS

4.1. Copyright
All content available on the platform (including texts, source code, logos, design, graphics, and databases) is the exclusive property of the Controller or its licensors and is protected under Brazilian Copyright Law (Law No. 9,610/98) and Industrial Property Law (Law No. 9,279/96).

4.2. Limited License
Users are granted a non-exclusive, non-transferable license solely to access and view the content for personal and non-commercial purposes.

4.3. Prohibited Conduct
It is strictly prohibited to:

  • Use web scrapers, bots, or automated methods to extract data;
  • Perform reverse engineering on the platform’s features or systems;
  • Remove copyright notices, trademarks, or watermarks from any material.

5. THIRD-PARTY INTERACTIONS AND EXTERNAL LINKS

5.1. The portal may contain links directing users to third-party websites. The Controller does not control these domains and assumes no responsibility for:

  • The accuracy of information regarding rates, terms, or benefits presented on external websites;
  • The processing of personal data performed by third parties;
  • Damages resulting from viruses or malware acquired through third-party sites.

5.2. Users acknowledge that financial institutions may modify the terms and conditions of their products at any time without prior notice to the Controller.

6. SECURITY AND LIMITATION OF LIABILITY

6.1. Availability
The Controller makes reasonable efforts to maintain the website available 24 hours a day, 7 days a week, but does not guarantee uninterrupted operation due to technical failures, cyberattacks, or maintenance.

6.2. Indirect Damages
Under no circumstances shall the Controller be liable for indirect damages, loss of profits, or financial losses resulting from the use or inability to use the platform.

6.3. Digital Security
Although SSL (HTTPS) certificates and security protocols are implemented, users are responsible for maintaining the security of their own devices, including antivirus software and firewalls.

7. PRIVACY AND DATA PROTECTION

7.1. The processing of personal data is governed by our Privacy Policy, which must be read in conjunction with these Terms.

7.2. Internal Data Sharing
The user agrees that information may be shared among companies within the Controller’s corporate group for the purposes of support and relevant content offerings, in accordance with the Brazilian General Data Protection Law (LGPD) under the legal bases of Legitimate Interest and Consent.

8. INDEMNIFICATION

8.1. The user agrees to indemnify and hold harmless the Controller, its subsidiaries, directors, and employees from any claims, losses, damages, or demands (including legal fees) arising from the violation of these Terms or the infringement of third-party rights.

9. GENERAL PROVISIONS AND JURISDICTION

9.1. Severability
If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.

9.2. Governing Law
These Terms shall be governed by the laws of the Federative Republic of Brazil.

9.3. Jurisdiction
The parties elect the courts of the District of Porto Alegre, State of Rio Grande do Sul (RS), Brazil, as the competent jurisdiction to resolve any disputes arising from these Terms.