Terms of Use

 

Last Updated: March 10, 2026

These Terms of Use (“Terms”) govern access to and use of the services, content, and digital platforms provided by SPUN MIDIA LTDA , registered under CNPJ number 43.629.487/0001-89 , with its administrative headquarters in Rio Grande do Sul, Brazil. For legal purposes, this company is the “Controller” of the collected data. 

 

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 companies within its economic group , the user declares to have read, understood, and fully accepted these Terms. 

1.2. These Terms constitute a binding contract between the Controller and the user . If the user does not agree with any provision set forth herein, they must refrain from using the portal immediately.

 

2. ELIGIBILITY AND AGE RESTRICTION

2.1. The content and services of this portal are directed exclusively to individuals aged 18 (eighteen) years or older .

 2.2. The Controller does not knowingly solicit or process data from minors. Identification of use by minors will result in the immediate deletion of any associated record.

 

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

3.1. Informative Nature: The portal operates exclusively in the curation of news, financial education, and the promotion of third-party products. 

3.2. Absence of Banking Relationship: The Controlling Company is not a financial institution , does not grant loans, does not issue credit cards, and does not hold securities in custody. 

3.3. Advisory Disclaimer: No information contained on this website should be interpreted as investment advice, a recommendation to buy/sell assets, or a guarantee of credit approval. 

3.4. Autonomy of Decision: The user acknowledges that the contracting of any financial product mentioned is a direct transaction between the user and the financial institution eventually mentioned, without any responsibility or guarantee on the part of the Controller.

 

4. INTELLECTUAL PROPERTY AND RESTRICTIONS ON USE

4.1. Copyright: All content (texts, source codes, logos, design, graphics and databases) is the exclusive property of the Controller or its licensors, protected by Law No. 9.610/98 (Copyright) and Law No. 9.279/96 (Industrial Property). 

4.2. Limited Usage License: The user is granted a non-exclusive and non-transferable license to view the content solely for personal and non-commercial purposes. 

4.3. Prohibited Conduct: It is strictly prohibited to:

  • Using web scrapers , bots , or any automated method to extract data;
  • Perform reverse engineering on the portal’s functionalities;
  • Remove copyright notices or watermarks from any material.

 

5. INTERACTION WITH THIRD PARTIES AND LINKS 

5.1. The portal uses links that direct the user to third-party websites. The Controller does not control these domains and assumes no responsibility for:

  • Accuracy of information regarding rates, deadlines, or benefits displayed on external websites;
  • Processing of personal data carried out by third parties;
  • Damage resulting from viruses or malware acquired from third-party websites. 

5.2. The user declares to be aware that financial institutions may change the conditions of their products at any time, without prior notice to the Controller.

 

6. SAFETY AND LIMITATION OF LIABILITY

6.1. Availability: The Controller makes efforts to keep the site available 24/7, but does not guarantee uninterrupted operation in the event of technical failures, cyberattacks or maintenance. 

6.2. Indirect Damages: Under no circumstances will the Controller be liable for indirect damages, lost profits, or financial losses arising from the use (or inability to use) of the portal. 

6.3. Digital Security: Although we use SSL certificates (HTTPS) and protection protocols, the user is responsible for keeping their own device secure (antivirus and firewall).

 

7. PRIVACY AND DATA PROTECTION

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

7.2. Internal Sharing: The user agrees to the transfer of information between the holding companies of the Controller for the purposes of support and offering relevant content, as authorized by the LGPD (Brazilian General Data Protection Law) based on Legitimate Interest and Consent.

 

8. COMPENSATION

8.1. The user agrees to indemnify and hold harmless the Controller, its subsidiaries, directors and employees from any claim, loss or demand (including attorneys’ fees) arising from their breach of these Terms or the violation of third-party rights.

 

9. GENERAL PROVISIONS AND JURISDICTION

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

9.2. Legislation: These Terms are governed by the laws of the Federative Republic of Brazil. 

9.3. Jurisdiction: The parties elect the Court of the District of Porto Alegre/RS to resolve any disputes relating to this document.