{"id":77,"date":"2021-09-20T21:30:38","date_gmt":"2021-09-20T21:30:38","guid":{"rendered":"https:\/\/senhorcartao.com\/?page_id=77"},"modified":"2023-12-13T18:01:08","modified_gmt":"2023-12-13T18:01:08","slug":"terms","status":"publish","type":"page","link":"https:\/\/senhorcartao.com\/en\/terms\/","title":{"rendered":"Terms of Use \u2013 Senhor Cart\u00e3o"},"content":{"rendered":"<div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Updated on November 22, 2023.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>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 Cart\u00e3o website, whose domain is <a style=\" color:;\" href=\"https:\/\/senhorcartao.com\/en\/\">https:\/\/SenhorCartao.com\/<\/a>&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>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.<\/strong><\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Use of the website is conditioned on acceptance of Senhor Cart\u00e3o&#039;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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>By accessing and\/or using the website, the user agrees to the following terms:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>The site is managed by Senhor Cart\u00e3o.<\/li><li>The user undertakes to use the website&#039;s services in a responsible and ethical manner.<\/li><li>The user is responsible for maintaining the security of their personal information.<\/li><li>Senhor Cart\u00e3o is not responsible for damages caused by improper use of the website.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>If the user does not agree with the established terms, we suggest that they avoid using the services offered by Senhor Cart\u00e3o.<\/strong><\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section I \u2013 Admission<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>1.1 <\/strong>To access Senhor Cart\u00e3o services, the user must:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Agree to the General Terms and Conditions of Use and the Privacy Policy;<\/li><li>Be at least 18 years old and have full civil capacity.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>1.2 <\/strong>If the user does not meet the aforementioned criteria, they should not access Senhor Cart\u00e3o services.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section II \u2013 Contact<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>2.1 <\/strong>Anyone can contact Senhor Cart\u00e3o if they need to solve problems, clarify doubts or make complaints.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>2.2 <\/strong>To get in touch, the user can use the form available on the Senhor Cart\u00e3o website, which can be found at the link <a style=\" color:;\" href=\"https:\/\/SenhorCartao.com\/contact\/\">https:\/\/SenhorCartao.com\/contact\/<\/a>.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section III \u2013 Responsibilities of the Parties<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.1 <\/strong>The user is responsible for complying with Senhor Cart\u00e3o&#039;s Terms and Conditions of Use and Privacy Policy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.2 <\/strong>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.3 <\/strong>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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.4 <\/strong>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 Cart\u00e3o is not responsible for damages caused by these types of incidents.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.5 <\/strong>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.6 <\/strong>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.7 <\/strong>Senhor Cart\u00e3o does not send emails requesting personal or registration data, nor executable attachments or download links.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section IV \u2013 Conditions of Use and Restrictions<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o establishes the following conditions of use for access and use of its services and content:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Senhor Cart\u00e3o services must only be used for legal and licit purposes.<\/li><li>The user must comply with all applicable laws and regulations.<\/li><li>The user must respect the intellectual property rights of Senhor Cart\u00e3o and third parties.<\/li><li>The user must behave in a respectful and non-discriminatory manner.<\/li><li>The user must disclose true and accurate information.<\/li><li>The user must not cause damage to Senhor Cart\u00e3o or third party services.<\/li><li>The user must not collect or track personal data from third parties without due consent.<\/li><li>The user must not engage in spamming, phishing or other forms of abuse.<\/li><li>The user must not use Senhor Cart\u00e3o services for obscene or immoral purposes.<\/li><li>The user must not interfere with or circumvent the security measures of Senhor Cart\u00e3o or third party services.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>Consequences of violating the conditions of use:<\/strong> Senhor Cart\u00e3o may suspend or cancel the user&#039;s access to its services if any of the conditions of use established in this section are violated.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section V \u2013 Limitations of Liability and Warranties<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o does not guarantee the availability, reliability or security of its services. The user acknowledges that the use of Senhor Cart\u00e3o services may be subject to risks, including the possibility of errors, interruptions and suspension.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>The user is solely responsible for any damage or loss arising from the use of Senhor Cart\u00e3o services. Senhor Cart\u00e3o will not be liable for indirect, incidental, special or consequential damages, including, but not limited to, loss of profits, data or other intangible losses.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section VI \u2013 Validity and Deadline<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o&#039;s General Terms and Conditions of Use are valid for an indefinite period of time. Any complaint regarding the use of Senhor Cart\u00e3o, 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.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section VII \u2013 Legislation<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>7.1 <\/strong>Senhor Cart\u00e3o&#039;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.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section VIII \u2013 Content and Intellectual Property<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>8.1. Content and Intellectual Property<\/strong><\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o 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 Cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>8.2 Responsibility<\/strong><\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>8.3 Violations<\/strong><\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o 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.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section IX \u2013 Modification of Terms and Conditions<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Senhor Cart\u00e3o 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.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>If you use the Senhor Cart\u00e3o website, you will be accepting these Terms and Conditions. Those who disagree with these conditions must refrain from using the website.<\/strong><\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Section X \u2013 Contact Information<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>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 <a style=\" color:;\" href=\"https:\/\/SenhorCartao.com\/contact\/\">https:\/\/SenhorCartao.com\/contact\/<\/a>.&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>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 Cart\u00e3o website, whose domain is https:\/ \/SenhorCartao.com\/ Senhor Cart\u00e3o is a website specialized in creating content related to financial education. The website offers information,\u2026 <a class=\"more-link\" href=\"https:\/\/senhorcartao.com\/en\/terms\/\">Continue reading <span class=\"screen-reader-text\">Terms of Use \u2013 Senhor Cart\u00e3o<\/span><\/a><\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Termos de Uso - Senhor Cart\u00e3o - Senhor Cart\u00e3o<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorcartao.com\/en\/terms\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Termos de Uso - Senhor Cart\u00e3o\" \/>\n<meta property=\"og:description\" content=\"Atualizado em 22 de Novembro de 2023. A Adtechpanda Negocios Digitais LTDA, empresa brasileira de responsabilidade limitada , inscrita sob o CNPJ: 42.637.234\/0001-94, \u00e9 criadora, titular e mantenedora do site Senhor Cart\u00e3o, cujo dom\u00ednio \u00e9 https:\/\/SenhorCartao.com\/&nbsp; O Senhor Cart\u00e3o \u00e9 um site especializado na cria\u00e7\u00e3o de conte\u00fado relacionado \u00e0 educa\u00e7\u00e3o financeira. O site oferece informa\u00e7\u00f5es,&hellip; Continue reading Termos de Uso &#8211; Senhor Cart\u00e3o\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorcartao.com\/en\/terms\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Cart\u00e3o\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-13T18:01:08+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorcartao.com\/#website\",\"url\":\"https:\/\/senhorcartao.com\/\",\"name\":\"Senhor Cart\u00e3o\",\"description\":\"O conte\u00fado de finan\u00e7as para descomplicar sua vida.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorcartao.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorcartao.com\/terms\/#webpage\",\"url\":\"https:\/\/senhorcartao.com\/terms\/\",\"name\":\"Termos de Uso - Senhor Cart\u00e3o - Senhor Cart\u00e3o\",\"isPartOf\":{\"@id\":\"https:\/\/senhorcartao.com\/#website\"},\"datePublished\":\"2021-09-20T21:30:38+00:00\",\"dateModified\":\"2023-12-13T18:01:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorcartao.com\/terms\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorcartao.com\/terms\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorcartao.com\/terms\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorcartao.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Termos de Uso &#8211; Senhor Cart\u00e3o\"}]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Termos de Uso - Senhor Cart\u00e3o - Senhor Cart\u00e3o","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/senhorcartao.com\/en\/terms\/","og_locale":"en_US","og_type":"article","og_title":"Termos de Uso - Senhor Cart\u00e3o","og_description":"Atualizado em 22 de Novembro de 2023. A Adtechpanda Negocios Digitais LTDA, empresa brasileira de responsabilidade limitada , inscrita sob o CNPJ: 42.637.234\/0001-94, \u00e9 criadora, titular e mantenedora do site Senhor Cart\u00e3o, cujo dom\u00ednio \u00e9 https:\/\/SenhorCartao.com\/&nbsp; O Senhor Cart\u00e3o \u00e9 um site especializado na cria\u00e7\u00e3o de conte\u00fado relacionado \u00e0 educa\u00e7\u00e3o financeira. 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