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Terms of Use

1. Acceptance of the Terms of Use

By using our websites, you fully and unreservedly accept these Terms of Use. Therefore, reading this document carefully is essential.

This instrument regulates the use of our websites and all services and content offered therein by 3A MÍDIA DIGITAL LTDA to its users. Using our platforms also subjects the user to all other terms, regulations, policies, and notices made publicly available, as well as frequent updates to these documents.

2. Access Conditions

The websites owned by 3A MÍDIA DIGITAL LTDA are available free of charge to all users. Our pages may contain links, reviews, or redirections to services and products from partner institutions. Any fees or charges for contracting external services will be billed directly by the partner financial institution, never by us.

To properly utilize contact forms or restricted areas, the user must provide personal data. The user declares that all information submitted is true and correct, and is fully aware that they will be legally liable for false or incorrect data.

3. Privacy Policy

All information regarding privacy protection, collection, and processing of user data is detailed in the Privacy Policy of 3A MÍDIA DIGITAL LTDA.

4. Responsibilities and Limitations

3A MÍDIA DIGITAL LTDA always seeks to offer access to the platform and content with the highest possible quality and stability. However, the service may be momentarily interrupted for technical and operational repairs.

Our platform displays advertising banners, buttons, affiliate links, and third-party search tools. By clicking on these mechanisms, the user is redirected to external websites outside of our control and responsibility, and should consult the terms of use and privacy policies of those respective companies.

On pages where there is space for public comments, the user declares that any content published by them is their sole civil and criminal responsibility.

4.1. Disclaimer (Warranty of Informational Content)

Transparency Note: Our websites have the exclusive objective of providing information, reviews, and educational content regarding credit cards, loans, and financial services in general. We emphasize that 3A MÍDIA DIGITAL LTDA is an independent journalistic and informative content production company, and does not represent any specific financial institution.

We have no influence, interference, or responsibility over the approval, denial, or granting of credit lines, interest rates, or limits. All decisions made by the user based on the information read are their sole responsibility. It is indispensable that the user evaluates the conditions directly with the official financial providers before any contracting. Our materials are strictly informational and do not constitute formal financial or legal advice.

4.2. Limitation of Liability

In no event shall 3A MÍDIA DIGITAL LTDA be liable for any damages (including, without limitation, damages for loss of data, lost profits, or business interruption) arising out of the use or inability to use the materials on our websites.

4.3. Accuracy of Content

The content displayed may include technical, typographical, or photographic errors. 3A MÍDIA DIGITAL LTDA does not guarantee that all materials are permanently accurate, complete, or current, given that the financial market changes daily. We may make modifications to the content contained on our websites at any time without notice, committing our best efforts to keep them updated.

5. Intellectual Property

All trademarks, logos, textual content, images, slogans, and trade names linked to 3A MÍDIA DIGITAL LTDA are the exclusive use and property of their owners. Free access to our pages does not grant authorization, assignment, or licensing to use our intellectual property. For any formal reproduction of content, a request must be sent to the email: [email protected].

6. Reporting Violations

If the user detects any irregularity with these Terms of Use, the Privacy Policy, or identifies illegal activities on the platforms of 3A MÍDIA DIGITAL LTDA, they may submit a formal complaint sending details of the occurrence to our support team.

7. Changes to the Terms of Use

Seeking continuous improvement and legal compliance for our operation, 3A MÍDIA DIGITAL LTDA may alter these Terms of Use at any time. We recommend regular consultation of this page. If you disagree with any changes, you must immediately discontinue browsing our portals.

8. Governing Law and Jurisdiction

This Terms of Use is governed by and construed in accordance with the laws in force in the Federative Republic of Brazil. The forum of the district of Piratini – RS is elected as the sole competent jurisdiction to resolve any controversies arising from this instrument.

9. Contact Us

For questions, suggestions, or technical support, please contact our team through the official channels:

Last updated: May 21, 2026.

3A MÍDIA DIGITAL LTDA