Any mention of “we,” “us,” or “our” throughout this document exclusively refers to conectar3.com. All information, services, and content available on this portal are provided by conectar3.com under the condition that the user accepts all terms, conditions, and policies established herein. The use of our services implies navigating and interacting with the portal.
Conectar3.com is a website specializing in financial education content, offering informational features and analyses of various products/services (such as credit cards, loans, financing, and investment types) provided by both national and international financial institutions.
It is important to note that the use of this site is subject not only to the mentioned Terms but also to the Privacy Policy of conectar3.com, available at: Privacy Policy.
Therefore, the Terms and Conditions of Use aim to clarify the responsibilities, obligations, and duties of all users who access and/or use the conectar3.com website, as described in the following sections.
It is imperative to carefully read our Terms of Use. If you disagree with the terms outlined here, we request that you refrain from using the services offered by conectar3.com.
Section I – Admission
1.1 By using conectar3.com, the user agrees to respect the Terms and Conditions of Use, as well as the associated Privacy Policy.
1.2 By accessing and/or using conectar3.com, the user declares to be at least 18 years old and to have full legal capacity, explicitly agreeing to accept these Terms and Conditions of Use in all their legal implications.
1.3 If the user does not meet the criteria mentioned above 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 conectar3.com, as well as the websites and services it manages.
Section II – Contact
2.1 We are available to assist users, resolve potential issues, and address complaints or inquiries about the products/services available on conectar3.com.
2.2 If you wish to contact us, you may do so directly on the conectar3.com website, at the following link: [Insert Contact Link].
Section III – Responsibilities of the Parties
3.1 By exploring and using the services and products available on the conectar3.com portal, the user acknowledges having read, understood, and accepted all the clauses contained in this Agreement and in the Terms of Use, as well as in the Privacy Policy.
3.2 Conectar3.com provides links and redirects users to third-party websites, where services can be contracted, and products can be purchased directly from the respective entities. conectar3.com does not intervene in this process.
3.3 When redirected to a partner company’s website, users are encouraged to review and explicitly agree to the terms of use and privacy policies of that company.
3.4 Responsibility for third-party companies’ policies and terms of use, as well as for information about advertised services or products, does not rest with conectar3.com, nor does it extend to any transactions or contracts entered into with these companies.
3.5 Any damages resulting from viruses or malware acquired during internet browsing or data transfer are not the responsibility of conectar3.com. Users are advised to keep their security systems updated.
3.6 Conectar3.com disclaims responsibility for damages resulting from improper use of the site or events of force majeure.
3.7 It is important to emphasize that conectar3.com does not request deposits or bank transfers for the approval or provision of financial products.
3.8 Additionally, conectar3.com does not send emails requesting personal or registration information, nor does it include executable attachments or links for downloads. If you receive such communications, please report them through the contact form available at:
Section IV – Conditions of Use and Restrictions
Within the scope of Service Agreements, we establish strict guidelines for the use of our portal and content. The following actions are strictly prohibited:
Using the site for illegal purposes or to promote unlawful activities.
Violating any local, state, federal, provincial, or international laws or regulations.
Infringing on our intellectual property rights or those of third parties.
Engaging in behaviors such as harassment, abuse, defamation, intimidation, or discrimination based on gender, sexual orientation, religion, ethnicity, race, age, nationality, or disability.
Spreading false or misleading information.
Disseminating viruses or any code harmful to the operation of the Service, related sites, other websites, or the Internet.
Collecting or tracking third-party personal data without consent.
Engaging in spam, phishing, pharming, pretexting, spidering, crawling, or scraping.
Using the site for obscene or immoral purposes.
Bypassing or interfering with the security measures of the Service, related sites, other websites, or the Internet.
Note: We reserve the right to terminate or suspend the use of our Services and any linked site if users violate any of these restrictions.
Section V – Limitation of Liability and Warranties
We acknowledge that the use of our Service may not always be continuous, fully secure, or error-free. We do not guarantee that the results obtained through the Service will always be accurate or reliable.
Access to the Service may occasionally be interrupted or terminated at any time without prior notice.
Under no circumstances will conectar3.com, its directors, employees, or partners be held liable for any damages, losses, or claims arising from the use of the Service.
In jurisdictions where exclusion or limitation of liability for consequential or incidental damages is not permitted, our liability will be limited to the maximum extent allowed by applicable law.
Section VI – Validity and Statute of Limitations
Any legal or administrative action related to the use of conectar.com, as described in these Terms of Use or in the Privacy Policy, must be initiated within 90 days.
These Terms and Conditions of Use remain in effect indefinitely.
Section VII – Governing Law and Jurisdiction
7.1 These provisions and the Terms of Use must be interpreted alongside 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 Internet Civil Framework, and the General Data Protection Law.
7.2 For matters concerning the interpretation or enforcement of 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 Protection
All materials on the conectar3.com portal are protected by copyright and intellectual property laws. It is strictly forbidden to reproduce, modify, distribute, display, or create derivative works from this content without express written authorization.
8.2 Responsibility for Third-Party Content
We are not responsible for third-party content, such as comments and posts in forums or social networks.
Section IX – Modification of Terms and Conditions
Conectar3.com reserves the right to modify, suspend, or terminate any part of its services at any time without prior notice. By using the site, users implicitly accept these Terms and Conditions.
Section X – Contact Information
For questions or suggestions related to our services, please contact our customer service team through the following form: