Last Updated: March 10, 2026
These Terms of Use (“Terms”) govern the access and use of the services, content, and digital platforms provided by SPUN MIDIA LTDA, registered under CNPJ No. 43.629.487/0001-89, headquartered in Rio Grande do Sul, Brazil. For legal purposes, this company is the “Data Controller” of the collected data.
By accessing, browsing, or using any website, subdomain, application, or form belonging to the Data Controller or companies within its economic group, the user declares that they have read, understood, and fully accepted these Terms.
These Terms constitute a binding agreement between the Data Controller and the user. If the user does not agree with any provision established herein, they must immediately refrain from using the portal.
The content and services of this portal are intended exclusively for individuals aged 18 (eighteen) years or older.
The Data Controller does not knowingly request or process data from minors. Identification of use by minors will result in the immediate deletion of any associated records.
The portal operates exclusively in the curation of news, financial education, and promotion of third-party products.
The Data Controller is not a financial institution, does not provide loans, does not issue credit cards, and does not hold custody of securities or financial assets.
No information contained on the website should be interpreted as investment consulting, recommendation to buy/sell assets, or guarantee of credit approval.
The user acknowledges that contracting any financial product mentioned is a direct transaction between the user and the financial institution eventually mentioned, without any responsibility or guarantee on the part of the Data Controller.
All content (texts, source codes, logos, designs, graphics, and databases) is the exclusive property of the Data Controller or its licensors, protected under Brazilian Law No. 9.610/98 (Copyright Law) and Law No. 9.279/96 (Industrial Property Law).
The user is granted a non-exclusive and non-transferable license solely for viewing the content for personal and non-commercial purposes.
It is strictly prohibited to:
Use web scrapers, bots, or any automated method to extract data;
Perform reverse engineering on the portal functionalities;
Remove copyright notices or watermarks from any material.
The portal uses links directing users to third-party websites. The Data Controller does not exercise control over these domains and assumes no responsibility for:
Accuracy of information regarding rates, deadlines, or benefits displayed on external websites;
Processing of personal data carried out by third parties;
Damages resulting from viruses or malware acquired on third-party websites.
The user acknowledges that financial institutions may change the conditions of their products at any time, without prior notice to the Data Controller.
The Data Controller makes efforts to keep the website available 24/7, however does not guarantee uninterrupted operation in the event of technical failures, cyberattacks, or maintenance.
Under no circumstances shall the Data Controller be liable for indirect damages, loss of profits, or financial losses resulting from the use (or inability to use) of the portal.
Although we use SSL certificates (HTTPS) and protection protocols, the user is responsible for keeping their own device secure (antivirus and firewall).
The processing of personal data is governed by our Privacy Policy, which must be read together with these Terms.
The user agrees to the transfer of information between companies within the Data Controller’s holding group for support purposes and offering relevant content, as authorized by the LGPD under the legal bases of Legitimate Interest and Consent.
The user agrees to indemnify and hold harmless the Data Controller, its subsidiaries, directors, and employees from any claims, losses, or demands (including attorney fees) arising from violation of these Terms or infringement of third-party rights.
If any part of these Terms is considered invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms are governed by the laws of the Federative Republic of Brazil.
The parties elect the Court of the District of Porto Alegre/RS, Brazil, to resolve any disputes related to this document.