Legal Notice (Disclaimer)

3 min read

Last updated: March 10, 2026

Net Dinheiro is a financial news and education portal operated by SPUN MIDIA LTDA. Our goal is to provide informational content, comparative analysis, and educational guides about the financial market.

By using our portal, you acknowledge that all published material is strictly educational. We are not a financial institution and we do not sell credit products or services.

1. WE DO NOT ASK FOR PAYMENTS

Net Dinheiro is 100% free. For your safety, we emphasize that we NEVER:

  • Ask for payments, deposits, or fees to release cards, loans, or any financial product;
  • Send payment slips or request transfers via Pix or wire (TED);
  • Request sensitive data (such as banking passwords or security codes) by email, WhatsApp, or phone.

If you receive any communication claiming to be from Net Dinheiro asking for money or confidential information, ignore it and report it. It may be fraud by third parties.

2. INDEPENDENCE AND NO BANKING RELATIONSHIP

We operate as an independent media outlet. Therefore:

  • We do not approve credit: Analysis, granting, and credit limit decisions for cards or loans are solely the responsibility of partner financial institutions.
  • We do not change your score: We have no tools to increase credit scores or influence banks’ decisions.
  • Institutions remain independent: Approval rules and product terms are set by each issuer, without interference from our portal.

3. EDUCATIONAL CONTENT IS NOT ADVICE

Although our team produces careful, up-to-date analysis, content on Net Dinheiro must not be read as:

  • Personalized financial or investment advice;
  • Legal or accounting advice;
  • A guarantee of financial results or application approval.

Recommendation: Before any financial decision, read the institutions’ official contracts and, if needed, speak with a qualified financial planner.

4. ADVERTISING AND AFFILIATE TRANSPARENCY

To keep our operation and content free, we use monetization including:

Automated ads (Google Ads)

We may show banners and personalized ads based on your browsing interests.

Affiliate links

Some reviews may include links to partner sites. If you apply for a product through those links, Net Dinheiro may earn a commission from the financial institution.

Impartiality

Commercial partnerships may affect the order in which some products appear, but they do not change the accuracy of rates and conditions stated, which are based on public data from the institutions themselves.

5. ACCURACY AND UPDATES

Financial markets change quickly. Institutions may change interest rates, annual fees, and benefits at any time without notice.

We work hard to keep information current but cannot guarantee that all data is 100% synchronized with banks’ real-time changes.

Your responsibility: Always confirm official details on the financial institution’s website before completing any card or service application.

6. USER RESPONSIBILITY AND AGE

By using Net Dinheiro, you agree that:

  • You are 18 or older (minimum age to use the portal);
  • The portal and its Controller are not liable for losses arising from financial decisions based on our articles.

7. CONTACT AND REPORTING ABUSE

We care about ethics and reader safety. If you find incorrect information or fraud using our brand, please report it immediately:

Contact email: [email protected]

Data Protection Officer (DPO): [email protected]