Any reference to ‘we,’ ‘us,’ and ‘our’ throughout this document refers exclusively to expertadviceapp.com. All information, services, and content available on this portal are provided by expertadviceapp.com under the condition that the user accepts all terms, conditions, and policies established here. The use of our services implies navigating and interacting with the portal.
Expertadviceapp.com is a website specializing in financial education content, featuring informative articles and analyses of various financial products/services (such as credit cards, loans, financing, and investment types) offered by both national and international financial institutions.
It is important to note that the use of this site is conditioned not only on the Terms mentioned but also on the Privacy Policy of expertadviceapp.com, available at: privacy policy.
Therefore, the General Terms and Conditions of Use aim to clarify the responsibilities, obligations, and duties of all users who access and/or use the expertadviceapp.com website, as described in the following points.
It is imperative that you carefully read our Terms of Use. If you disagree with the terms established here, we request that you refrain from using the services offered by expertadviceapp.com.
Section I – Admission
1.1 By using expertadviceapp.com, the user commits to respecting the General Terms and Conditions of Use, as well as the associated Privacy Policy.
1.2 By accessing and/or using expertadviceapp.com, the user declares to be at least 18 years old and fully capable of legally accepting these Terms and Conditions of Use in all their legal implications.
1.3 If the user does not meet the aforementioned criteria and/or disagrees, in whole or in part, with the provisions contained in these Terms and Conditions of Use, it is recommended that they refrain from accessing and/or using the services offered by expertadviceapp.com, as well as the websites and services managed by it.
Section II – Contact
2.1 We are available to assist users, resolve any issues, and address complaints or other information about the products/services available on expertadviceapp.com.
2.2 If you wish to contact us, the user can do so directly on the expertadviceapp.com website at
Section III – Responsibilities of the Parties
3.1 By browsing and using the services and products available on the expertadviceapp.com portal, the User acknowledges having read, understood, and accepted all clauses contained in this Agreement and the Terms of Use, as well as in the Privacy Policy.
3.2 Expertadviceapp.com provides links and directs Users to third-party websites where services can be contracted and products can be purchased directly from the respective entities. Expertadviceapp.com does not intervene in this process.
3.3 When redirected to a partner company’s website, the User is urged to review and explicitly agree to the terms of use and privacy policies of the respective company.
3.4 The responsibility for third-party companies’ policies and terms of use, as well as the information about advertised services or products, does not lie with expertadviceapp.com, nor for any transactions or contracts conducted with those companies.
3.5 Any damages resulting from viruses or malware acquired during internet browsing or data transfers are not the responsibility of expertadviceapp.com. Users are recommended to keep their security systems updated.
3.6 Expertadviceapp.com is not responsible for damages resulting from improper use of the site or force majeure events.
3.7 It is important to emphasize that expertadviceapp.com does not request deposits or bank transfers for the approval or granting of financial products.
3.8 Additionally, expertadviceapp.com does not send emails requesting personal or registration information, executable attachments, or download links.
If you receive such communications, please notify us via the contact form available at: contact form name.
Section IV – Terms of Use and Restrictions
Within the context of Service Agreements, we establish strict guidelines for the use of our portal and content. It is strictly prohibited to:
- Use the site for illegal purposes or to promote activities against the law.
- Violate any local, state, federal, provincial, or international laws or regulations.
- Infringe or violate our intellectual property rights or those of third parties.
- Engage in harassment, abuse, defamation, intimidation, or discrimination based on gender, sexual orientation, religion, ethnicity, race, age, nationality, or disability.
- Disseminate false or misleading information.
- Spread viruses or any harmful code that affects the Service’s operation, related sites, other websites, or the Internet.
- Collect or track third-party personal data without proper consent.
- Engage in spam, phishing, pharm, pretext, spider, crawl, or scrape practices.
- Use the site for obscene or immoral purposes.
- Bypass or interfere with security measures on the Service, related sites, other websites, or the Internet.
Attention: We reserve the right to terminate or suspend the use of our Services and any linked site in case of violation of any of these restrictions by the user.
Section V – Limitations of Liability and Warranties
We recognize that the use of our Service may not be continuous, entirely secure, or error-free. We do not guarantee that the results derived from the Service will always be accurate or reliable.
Service access may be occasionally interrupted or even terminated without prior notice.
Under no circumstances shall expertadviceapp.com, its directors, employees, or partners be liable for any damages, losses, or claims arising from the use of the Service.
This includes, without limitation, loss of profits, data, or other intangible losses resulting from the use of any service or product obtained through the Service or any other claim related to the use of the service.
In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not permitted, our liability will be limited to the maximum extent permitted by applicable law.
Section VI – Term and Decay Period
Any legal or administrative measure related to the use of expertadviceapp.com, as described in these General Terms of Use or the Privacy Policy, must be initiated within a maximum period of 90 days.
These General Terms and Conditions of Use remain in effect indefinitely.
Section VII – Governing Law and Jurisdiction
7.1 These provisions and the General Terms of Use must be interpreted together with the Privacy Policy.
Both are governed by the laws of the Federative Republic of Brazil, including the Federal Constitution, the Civil Code, the Consumer Defense Code, the General Internet Civil Framework Law, and the General Data Protection Law.
7.2 Concerning aspects of interpretation or compliance with these Terms and the Privacy Policy, both parties agree to submit exclusively to the jurisdiction of the Chamber of Commerce of Tallinn, Estonia.
Section VIII – Content and Intellectual Property
8.1 Content and Intellectual Property
The material available on the expertadviceapp.com portal is protected by copyright and intellectual property laws. Reproduction, modification, distribution, display, or creation of derivative works from this content without express written authorization is strictly prohibited.
8.2 Responsibility
We do not assume responsibility for content generated by third parties, such as comments and posts on forums or social media.