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1. Acceptance of 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 the services and products offered by Spun Media to users. The use of our websites also subjects you to other terms, regulations, policies, notices made available to the user, as well as the updates to these documents.

2. Access Conditions
Spun Media’s 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, no registration is required to access our websites; therefore, they are considered open services. For those requiring registration, user profiles, etc., they are considered closed services. For the proper use of the so-called closed services, the user must provide accurate data and hereby declares that all information provided is true and correct. The user acknowledges that they will be responsible for false or incorrect information and errors presented. If the user is a minor, they must refrain from using our platform and ask 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 stated in this document. The user is solely responsible for any use contrary to our Terms of Use, assuming all consequences of such actions, acknowledging that Spun Media has no responsibility

3. Privacy Policy
All information related to user privacy protection is outlined in the Spun Media Privacy Policy.

4. Responsibilities
Spun Media always aims to offer access to the platform, services, and products with the highest possible quality. Therefore, there may be cases where this provision may be temporarily interrupted for technical and operational repairs (scheduled or not). If you encounter any issues on our platform, please contact us as soon as possible.
Our platform may accept displaying banners, buttons, backlinks, tools, etc., from third parties. Users should 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 the pages of our sites, there may be spaces for user comments. Users declare that any content published is solely their 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 any time. However, it is emphasized that no mechanism is 100% secure, so Spun Media will not be held responsible for damages resulting from fortuitous events and/or force majeure.
4.1. Disclaimer
Our websites aim to provide information and recommendations about credit cards and financial services in general. We want to emphasize that we are a company that offers services only 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 take responsibility for any decisions made based on the information provided. It is essential for each user to evaluate 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 case will Spun Media or its companies be responsible for any damages (including, without limitation, damages for loss of data or profit or due to business interruption) arising from the use or inability to use our websites.
4.3. Accuracy of Content
The content displayed on Spun Media’s websites may include technical, typographical, or photographic errors, outdated information, incomplete information, etc. Spun Media does not guarantee that any content on its websites is accurate, complete, or current. Spun Media may make changes to the content on its websites at any time without prior notice. However, it does not commit to updating the materials.

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

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

7. Changes to Terms of Use
We are always striving for the best for our users and customers; therefore, Spun Media may occasionally change the Terms of Use. Therefore, users should regularly check the Terms of Use page so that, if they disagree with the changes, they can contact Spun Media or simply discontinue the use of our websites.

8. Applicable Legislation
This Terms of Use is governed by the laws of the Federative Republic of Brazil. Any controversy that needs to be discussed judicially shall be judged by the law of this country and in its courts. The city of Pelotas – RS, is hereby elected as the sole competent forum.

9. Contact Us
You can contact Spun Media via email at: contato@…, whenever you have any questions or need to contact our team.
It is important to be attentive and check if the Terms of Use is the most updated version while navigating our platform.
It is a great pleasure for Spun Media to respond to all contacts.

Last updated: May 31, 2023