Terms of Use

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Last updated: March 10, 2026

These Terms of Use ("Terms") govern access to and use of the Net Dinheiro portal and the services, content, and digital platforms provided by SPUN MIDIA LTDA, registered with Brazilian CNPJ No. 43.629.487/0001-89, with administrative headquarters in Rio Grande do Sul, Brazil. For legal purposes, this company is the "Controller" of collected data.

1. ACCEPTANCE AND SCOPE

1.1.

By accessing, browsing, or using any website, subdomain, application, or form owned by the Controller or companies in its economic group, you state that you have read, understood, and fully accepted these Terms.

1.2.

These Terms form a binding contract between the Controller and the user. If you do not agree with any provision, you must stop using the portal immediately.

2. ELIGIBILITY AND AGE RESTRICTIONS

2.1.

Content and services on this portal are intended solely for individuals aged 18 or over.

2.2.

The Controller does not knowingly request or process data from minors. If use by a minor is identified, any related registration will be deleted without delay.

3. NATURE OF THE SERVICE AND LEGAL NOTICE (FINANCIAL DISCLAIMER)

3.1. Informational Purpose

The portal curates news, financial education, and disclosure of third-party products only.

3.2. No Banking Relationship

The Controller is not a financial institution, does not grant loans, does not issue credit cards, and does not custody securities.

3.3. No Advisory Relationship

Nothing on the site should be read as investment advice, a recommendation to buy or sell assets, or a guarantee of credit approval.

3.4. Independent Decisions

You acknowledge that contracting any financial product mentioned is a direct transaction between you and the financial institution concerned, without liability or warranty from the Controller.

4. INTELLECTUAL PROPERTY AND USE RESTRICTIONS

4.1. Copyright

All content (text, source code, logos, design, graphics, and databases) is owned exclusively by the Controller or its licensors and is protected under Brazilian Laws No. 9.610/98 (Copyright) and No. 9.279/96 (Industrial Property).

4.2. Limited License

You are granted a non-exclusive, non-transferable license to view content for personal, non-commercial use only.

4.3. Prohibited Conduct

It is strictly prohibited to:

  • Use web scrapers, bots, or any automated means to extract data;
  • Reverse engineer portal functionality;
  • Remove copyright notices or watermarks from any material.

5. THIRD-PARTY INTERACTION AND LINKS

5.1.

The portal contains links to third-party sites. The Controller does not control those domains and is not responsible for:

  • Accuracy of rates, deadlines, or benefits shown on external sites;
  • Personal data processing by third parties;
  • Damage from viruses or malware obtained on third-party sites.

5.2.

You acknowledge that financial institutions may change product terms at any time without prior notice to the Controller.

6. SECURITY AND LIMITATION OF LIABILITY

6.1. Availability

The Controller strives to keep the site available around the clock but does not guarantee uninterrupted operation in the event of technical failures, cyberattacks, or maintenance.

6.2. Indirect Damages

In no event shall the Controller be liable for indirect damages, lost profits, or financial losses arising from use of (or inability to use) the portal.

6.3. Digital Security

Although we use SSL (HTTPS) certificates and protective measures, you are responsible for keeping your own device secure (antivirus and firewall).

7. PRIVACY AND DATA PROTECTION

7.1.

Personal data processing is governed by our Privacy Policy, which should be read together with these Terms.

7.2. Intra-Group Sharing

You agree to information flows among companies in the Controller’s holding for support and relevant content offers, as permitted under the LGPD on the bases of legitimate interest and consent.

8. INDEMNITY

8.1.

You agree to indemnify and hold harmless the Controller, its subsidiaries, directors, and employees from any claim, loss, or demand (including attorneys’ fees) arising from your breach of these Terms or violation of third-party rights.

9. GENERAL PROVISIONS AND VENUE

9.1. Severability

If any part of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect.

9.2. Governing Law

These Terms are governed by the laws of the Federative Republic of Brazil.

9.3. Venue

The parties elect the courts of the Judicial District of Porto Alegre, State of Rio Grande do Sul, Brazil, to resolve disputes relating to this document.