Terms and Conditions
Last Updated: March 10, 2026
These Terms of Use (“Terms”) govern access to and use of the services, content, and digital platforms provided through the Finantict website (https://finantict.com/).
Finantict is operated by SPUN MIDIA LTDA, registered under CNPJ No. 43.629.487/0001-89, headquartered in Rio Grande do Sul, Brazil. For legal purposes, this company acts as the Data Controller for the information collected through the platform.
By accessing or using this website, you agree to comply with and be bound by these Terms.
1. Acceptance of Terms and Scope of Application
1.1. By accessing, browsing, or using this website, any of its subdomains, applications, or forms, the user acknowledges that they have read, understood, and fully agreed to these Terms.
1.2. These Terms constitute a legally binding agreement between the user and the operator of Finantict. If the user does not agree with any provision contained herein, they must immediately discontinue the use of the website.
2. Eligibility and Age Restriction
2.1. The content and services offered on this website are intended exclusively for individuals who are 18 years of age or older.
2.2. Finantict does not knowingly collect or process personal data from minors. If any use of the platform by a minor is identified, any associated data will be immediately removed.
3. Nature of the Service and Financial Disclaimer
3.1 Informational Purpose
Finantict operates exclusively as a platform for financial information, educational content, and the promotion of third-party financial products and services.
3.2 No Banking Relationship
Finantict is not a financial institution. The company does not provide loans, issue credit cards, manage investments, or hold financial assets.
3.3 No Financial Advice
None of the information provided on this website should be interpreted as:
- investment advice
- financial consulting
- recommendation to buy or sell financial products
- guarantee of approval for financial services
3.4 Independent Decisions
The user acknowledges that any financial product or service mentioned on this platform is offered by third-party institutions, and any contractual relationship occurs directly between the user and the respective provider.
Finantict assumes no responsibility for approvals, denials, fees, or conditions imposed by financial institutions.
4. Intellectual Property and Use Restrictions
4.1 Copyright
All content available on Finantict, including but not limited to:
- texts
- graphics
- logos
- source code
- design elements
- databases
is the exclusive property of SPUN MIDIA LTDA or its licensors and is protected by applicable intellectual property laws.
4.2 Limited License
Users are granted a non-exclusive and non-transferable license to access and view the website content solely for personal and non-commercial use.
4.3 Prohibited Conduct
Users are strictly prohibited from:
- using web scraping tools, bots, or automated systems to extract data from the website
- performing reverse engineering of any platform functionality
- removing copyright notices, trademarks, or watermarks from any material
5. Third-Party Interaction and External Links
5.1
Finantict may include links that redirect users to third-party websites or financial institutions.
Finantict does not control these external websites and assumes no responsibility for:
- the accuracy of rates, fees, or product conditions presented on external websites
- the handling of personal data by third parties
- damages caused by viruses, malware, or malicious software originating from third-party websites
5.2
Users acknowledge that financial institutions may change the conditions of their products at any time without prior notice to Finantict.
6. Security and Limitation of Liability
6.1 Website Availability
Finantict makes reasonable efforts to maintain the website available 24 hours a day, 7 days a week. However, uninterrupted operation cannot be guaranteed due to technical issues, maintenance, cyberattacks, or other circumstances beyond our control.
6.2 Indirect Damages
Under no circumstances shall Finantict be liable for:
- indirect damages
- loss of profits
- financial losses
- damages resulting from the use or inability to use the website
6.3 Digital Security
Although the website uses SSL encryption (HTTPS) and other security measures, users remain responsible for maintaining their own device security, including antivirus and firewall protection.
7. Privacy and Data Protection
7.1
The processing of personal data is governed by our Privacy Policy, which must be read together with these Terms.
7.2 Internal Data Sharing
Users agree that their information may be shared among companies belonging to the same corporate group as SPUN MIDIA LTDA for purposes such as:
- operational support
- content personalization
- service improvement
This processing is conducted in accordance with applicable data protection laws, including the Brazilian General Data Protection Law (LGPD).
8. Indemnification
The user agrees to indemnify and hold harmless Finantict, SPUN MIDIA LTDA, its subsidiaries, directors, employees, and partners from any claims, losses, damages, liabilities, or legal expenses arising from:
- violation of these Terms
- misuse of the website
- 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
Any disputes arising from these Terms shall be resolved in the courts of Porto Alegre, Rio Grande do Sul, Brazil, with the parties expressly waiving any other jurisdiction.