Terms of Use

Acceptance of the Terms of Use The use of our websites implies your full and complete acceptance of these Terms of Use. Therefore, careful reading is essential. This document regulates the use of our websites and all services and products offered by Spun Media to users. The use of our websites also subjects you to other terms, regulations, policies, and notices made available to the user, as well as updates to these documents.

Conditions of Access Spun Media websites are available for free access to all users but may contain third-party services and products that may incur charges. However, these charges will never be made by us. Initially, registration is not required to access our websites; therefore, they are considered open services. For those that require registration, user profiles, etc., they are considered closed services. For the correct use of so-called closed services, the user must provide accurate data and declares that all information provided is true and correct. The user acknowledges responsibility for false or incorrect information and any errors presented. If the user is a minor, they must refrain from using our platform and request their parents or guardians to use the sites, services, or products. The user declares agreement and commits to using any of our websites, services, or products only for permitted purposes and in accordance with the terms established in this document. The user is solely responsible for any use contrary to our Terms of Use, assuming all consequences of such actions and acknowledging that Spun Media holds no liability.

Privacy Policy All information related to the protection of user privacy is described in the Spun Media Privacy Policy.

Responsibilities Spun Media always aims to offer access to the platform, services, and products with the highest possible quality. Therefore, there may be instances where this provision may be temporarily interrupted for technical and operational repairs (scheduled or otherwise). If you encounter any problems on our platform, please contact us as soon as possible.

Our platform may accept the display of third-party banners, buttons, backlinks, tools, etc. Users must be aware that clicking on them will redirect them to locations outside our responsibility. Users must read and accept the terms of use of these third parties.

On our site pages, there may be spaces for user comments. Users declare that any posted content is their exclusive responsibility and will be liable for losses and damages caused to Spun Media or third parties. If you see anything offensive or harmful, please contact us immediately.

Spun Media values the confidentiality and security of all its users; therefore, it adopts security measures to protect the personal data provided by you at all times. However, it is emphasized that no mechanism is 100% secure; thus, Spun Media shall not be liable for damages resulting from acts of God and/or force majeure.

4.1. Disclaimer Our websites aim to provide information and recommendations regarding credit cards and financial services in general. We want to emphasize that we are a company that offers services solely for the creation of this type of content and do not represent any specific financial institution. We are not responsible for the approval or denial of any credit limit, nor do we assume responsibility for decisions made based on the information provided. It is essential that each user evaluates the options and terms of credit cards or financial services directly with financial institutions. Any questions or doubts should be directed to the respective credit card providers. Our websites are for informational purposes only and should not be considered financial or legal advice.

4.2. Limitations In no event shall Spun Media or its companies be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use our websites.

4.3. Accuracy of Content The content displayed on Spun Media websites may include technical, typographical, or photographic errors, outdated information, incomplete information, etc. Spun Media does not warrant that the content on its websites is accurate, complete, or current. Spun Media may make changes to the content on its websites at any time without notice. However, it does not commit to updating the materials.

Intellectual Property All trademarks, logos, content, images, slogans, trade names, and symbols of any kind linked to Spun Media, its companies, or its partners are the exclusive property of their holders. Free access to our platform does not grant, under any circumstances, authorization, assignment, or license to use any intellectual property of Spun Media. To use Spun Media’s intellectual property, a formal request must be made via email to: [email protected] and await a positive response.

Reporting a Violation of the Terms of Use If, during the use of any Spun Media website, service, or product, the user detects any irregularity regarding the Terms of Use, Privacy Policy, or any illegal activity under the laws of the Federative Republic of Brazil, they may report it to Spun Media. In the report, the user must provide as much detail as possible about the situation. After evaluating the situation, Spun Media may remove—if technical conditions allow—content, products, services, etc., that are contrary to the Terms of Use, Privacy Policy, and/or national law.

Changes to the Terms of Use We always strive for the best for our users and customers; therefore, Spun Media may occasionally change the Terms of Use. Users should periodically check the Terms of Use page. If they do not agree with the changes, they may contact Spun Media or simply discontinue the use of our websites.

Applicable Law These Terms of Use are governed by the laws of the Federative Republic of Brazil. Any controversy to be discussed judicially shall be judged by the laws of this country and in its courts. The city of Pelotas – RS is chosen as the sole competent forum.

Contact Us You can contact Spun Media via email at: [email protected], whenever you have any questions or need to reach our team. It is important to be attentive and verify if these Terms of Use are the most up-to-date version while browsing our platform. It is a great pleasure for Spun Media to respond to all inquiries.

Last update: May 31, 2023 SPUN MEDIA