Terms of Use – Senhor Cartão

Updated on November 22, 2023.

Adtechpanda Negocios Digitais LTDA, a Brazilian limited liability company, registered under CNPJ: 42.637.234/0001-94, is the creator, owner and maintainer of the Senhor Cartão website, whose domain is https://SenhorCartao.com/ 

Senhor Cartão is a website specialized in creating content related to financial education. The website offers information, services and content about various financial products/services, such as credit cards, loans, financing, types of investments, among others.

It is worth noting that we do not interfere in any process that involves the analysis and/or approval of credit of our customers or partners, so that the final decision to carry out a business, grant credit or offer is always theirs, in accordance with the its own credit and risk criteria and policies.

Use of the website is conditioned on acceptance of Senhor Cartão's Terms of Use and Privacy Policy. The Terms of Use establish the responsibilities, obligations and duties of users who access and/or use the website.

By accessing and/or using the website, the user agrees to the following terms:

  • The site is managed by Senhor Cartão.
  • The user undertakes to use the website's services in a responsible and ethical manner.
  • The user is responsible for maintaining the security of their personal information.
  • Senhor Cartão is not responsible for damages caused by improper use of the website.

If the user does not agree with the established terms, we suggest that they avoid using the services offered by Senhor Cartão.

Section I – Admission

1.1 To access Senhor Cartão services, the user must:

  • Agree to the General Terms and Conditions of Use and the Privacy Policy;
  • Be at least 18 years old and have full civil capacity.

1.2 If the user does not meet the aforementioned criteria, they should not access Senhor Cartão services.

Section II – Contact

2.1 Anyone can contact Senhor Cartão if they need to solve problems, clarify doubts or make complaints.

2.2 To get in touch, the user can use the form available on the Senhor Cartão website, which can be found at the link https://SenhorCartao.com/contact/

Section III – Responsibilities of the Parties

3.1 The user is responsible for complying with Senhor Cartão's Terms and Conditions of Use and Privacy Policy.

3.2 Senhor Cartão is not responsible for the policies and terms of use of third-party websites, nor for information about services or products advertised on these websites.

3.3 To ensure the security and transparency of transactions carried out through third-party links, the user must check the policies and terms of use of third-party websites before carrying out any transaction.

3.4 To protect your data and devices, the user must take the necessary measures to avoid infection by viruses or malware while browsing or transferring data on the internet. Senhor Cartão is not responsible for damages caused by these types of incidents.

3.5 Senhor Cartão is not responsible for damages caused by improper use of the website or events considered force majeure. Misuse of the website includes activities such as disseminating illegal or harmful content, violating copyright, or attempting unauthorized access to the system. Events considered force majeure include natural disasters, acts of terrorism or wars.

3.6 Senhor Cartão does not request sums of money to provide any service or access to its content. Requests for deposits or bank transfers for this purpose are fraudulent.

3.7 Senhor Cartão does not send emails requesting personal or registration data, nor executable attachments or download links.

Section IV – Conditions of Use and Restrictions

Senhor Cartão establishes the following conditions of use for access and use of its services and content:

  1. Senhor Cartão services must only be used for legal and licit purposes.
  2. The user must comply with all applicable laws and regulations.
  3. The user must respect the intellectual property rights of Senhor Cartão and third parties.
  4. The user must behave in a respectful and non-discriminatory manner.
  5. The user must disclose true and accurate information.
  6. The user must not cause damage to Senhor Cartão or third party services.
  7. The user must not collect or track personal data from third parties without due consent.
  8. The user must not engage in spamming, phishing or other forms of abuse.
  9. The user must not use Senhor Cartão services for obscene or immoral purposes.
  10. The user must not interfere with or circumvent the security measures of Senhor Cartão or third party services.

Consequences of violating the conditions of use: Senhor Cartão may suspend or cancel the user's access to its services if any of the conditions of use established in this section are violated.

Section V – Limitations of Liability and Warranties

Senhor Cartão does not guarantee the availability, reliability or security of its services. The user acknowledges that the use of Senhor Cartão services may be subject to risks, including the possibility of errors, interruptions and suspension.

The user is solely responsible for any damage or loss arising from the use of Senhor Cartão services. Senhor Cartão will not be liable for indirect, incidental, special or consequential damages, including, but not limited to, loss of profits, data or other intangible losses.

Section VI – Validity and Deadline

Senhor Cartão's General Terms and Conditions of Use are valid for an indefinite period of time. Any complaint regarding the use of Senhor Cartão, under these Terms or the Privacy Policy, must be presented within 90 (ninety) days from the date of the event that gave rise to the complaint.

Section VII – Legislation

7.1 Senhor Cartão's General Terms and Conditions of Use and the Privacy Policy are governed by the laws of the Federative Republic of Brazil, including the Federal Constitution, the Civil Code, the Consumer Protection Code, the General Law of the Marco Civil da Internet and the General Data Protection Law.

Section VIII – Content and Intellectual Property

8.1. Content and Intellectual Property

Senhor Cartão owns the content published on its website and social networks, including texts, images, videos and other formats. This content is protected by copyright and cannot be reproduced, altered, distributed, displayed or created in derivative works without the express authorization of Senhor Cartão.

8.2 Responsibility

Senhor Cartão is not responsible for content generated by third parties, such as comments and posts on forums or social networks. Adtechpanda Negocios Digitais LTDA is not responsible for damages arising from the use of the website or social networks, whether direct, indirect, incidental or consequential.

8.3 Violations

Senhor Cartão may remove content that violates Brazilian laws, whether illegal, defamatory, offensive or that infringes the rights of third parties. It may also terminate the accounts of users who fail to comply with these conditions.

Section IX – Modification of Terms and Conditions

Senhor Cartão may modify any part of its services at any time, as well as terminate the provision of its service, without prior notice. Users and third parties are not entitled to any compensation or refund for these modifications.

If you use the Senhor Cartão website, you will be accepting these Terms and Conditions. Those who disagree with these conditions must refrain from using the website.

Section X – Contact Information

If the user needs any information or clarification, as well as a solution to possible questions, please contact the customer service team through the channel https://SenhorCartao.com/contact/