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Terms of Use

4 min read

Last Updated: March 10, 2026

These Terms of Use (“Terms”) govern the access and use of the services, content, and digital platforms provided by SPUN MIDIA LTDA, registered under CNPJ No. 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 its economic group companies, 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 immediately refrain from using the portal.

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. Any 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. Informational Nature: The portal operates exclusively in the curation of news, financial education, and the promotion of third-party products.
  • 3.2. Absence of Banking Affiliation: The Controller is not a financial institution, does not grant loans, does not issue credit cards, and does not provide custody of securities.
  • 3.3. Advisory Disclaimer: No information contained on the website should be construed as investment advice, a recommendation to buy/sell assets, or a guarantee of credit approval.
  • 3.4. Autonomy of Decision: The user acknowledges that acquiring any financial product mentioned is a direct transaction between the user and the respective financial institution, without any liability or guarantee on the part of the Controller.

4. INTELLECTUAL PROPERTY AND USE RESTRICTIONS

  • 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 Use License: The user is granted a non-exclusive, non-transferable license solely to view the content for personal and non-commercial purposes.
  • 4.3. Prohibited Conduct: It is strictly prohibited to:
    • Use web scrapers, bots, or any automated method to extract data;
    • Reverse engineer 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 redirect the user to third-party websites. The Controller exercises no control over these domains and assumes no responsibility for:
    • The accuracy of the information regarding rates, terms, or benefits displayed on external websites;
    • Personal data processing carried out by third parties;
    • Damages arising from viruses or malware acquired on 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. SECURITY AND LIMITATION OF LIABILITY

  • 6.1. Availability: The Controller makes every effort to keep the website 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 shall the Controller be liable for indirect damages, lost profits, or financial losses resulting from the use of (or inability to use) 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 must be read in conjunction with these Terms.
  • 7.2. Internal Sharing: The user agrees to the sharing of information among the companies within the Controller’s holding group for support purposes and the provision of relevant content, as authorized by the LGPD under the legal basis 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 claim, loss, or demand (including attorney’s fees) arising out of their non-compliance with 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. Governing Law: These Terms are governed by the laws of the Federative Republic of Brazil.
  • 9.3. Jurisdiction: The parties elect the Court of the Judicial District of PORTO ALEGRE/RS to resolve any disputes relating to this document.