Terms of Use
1. Acceptance of the Terms of Use
By using our websites, you fully and completely accept these Terms of Use. Therefore, careful reading is essential.
This document regulates the use of our websites and all services and products offered by Spun Media to users.
The use of our websites also subjects you to additional terms, regulations, policies, notices, or updates made available by Spun Media.
2. Conditions of Access
Spun Media’s websites are freely accessible to all users, although they may contain third-party services or products that may incur charges. These charges are never issued by Spun Media.
In general, registration is not required to access our websites, which are considered “open services.”
Services that do require registration, account creation, or user profiles are considered “restricted services.”
To properly use these restricted services, the user must provide accurate and truthful information and is solely responsible for any false or incorrect data submitted.
If the user is a minor, they must refrain from using our platform and ask their parents or legal guardians to access the sites, services, or products on their behalf.
By using any of our websites, services, or products, the user agrees to use them only for lawful purposes and in accordance with the terms described in this document.
The user is solely responsible for any improper use and its consequences and acknowledges that Spun Media holds no liability for such misuse.
3. Privacy Policy
All matters related to user privacy and data protection are defined in the Spun Media Privacy Policy, which forms an integral part of these Terms of Use.
4. Responsibilities
Spun Media strives to ensure the best possible quality in the operation of our platform, services, and products.
However, temporary interruptions may occur due to technical or operational maintenance (planned or unplanned). If you encounter any issue, please contact us immediately.
Our websites may display advertising banners, buttons, backlinks, tools, or integrations from third parties.
Clicking on these will redirect the user to external pages outside of Spun Media’s responsibility.
Users must read and accept the terms of use of these third-party services.
Some pages may contain spaces for user comments.
Users agree that any content posted is solely their responsibility and may result in liability for damages caused to Spun Media or third parties.
If you find offensive, harmful, or inappropriate content, please notify us immediately.
Spun Media values and protects user data with security measures; however, no system is 100% secure.
Spun Media is not responsible for damages resulting from unforeseen events, cyberattacks, or force majeure.
4.1. Disclaimer
Our websites provide informational content about credit cards and financial services in general.
We emphasize that Spun Media does not represent any financial institution and does not guarantee approval, limit increases, or financial decisions.
We are not responsible for the approval or rejection of credit applications, nor for decisions made based on the content published on our websites.
Each user must evaluate credit card options and financial service terms directly with the issuing institutions.
Questions or doubts should be addressed to the respective credit providers.
Content published on our websites is for informational purposes only and should not be considered financial or legal advice.
4.2. Limitations of Liability
Under no circumstances shall Spun Media or its companies be held liable for any damages (including, without limitation, loss of data, loss of profits, or business interruption) arising from the use or inability to use our websites.
4.3. Accuracy of Content
The content on Spun Media’s websites may contain technical, typographical, or photographic errors, outdated information, or incomplete data.
Spun Media does not guarantee the accuracy, completeness, or current relevance of any content.
We may modify content at any time without prior notice, but are not obligated to update materials regularly.
5. Intellectual Property
All trademarks, logos, slogans, trade names, images, content, and symbols associated with Spun Media, its companies, or its partners are the exclusive property of their respective owners.
Free access to our websites does not grant any authorization, assignment, or license to use Spun Media’s intellectual property.
To request permission to use any intellectual property, send an email to:
📧 [email protected]
and wait for a formal approval.
6. Reporting Violations of the Terms of Use
If, while using any Spun Media website, service, or product, the user identifies any irregularity, violation of these Terms, of the Privacy Policy, or any illegal activity under Brazilian law, they may file a report with Spun Media.
The report should include as many details as possible.
After evaluation, Spun Media may remove any content, product, or service that violates these Terms, the Privacy Policy, or the law, provided technical means allow it.
7. Changes to the Terms of Use
Spun Media is constantly working to improve its services.
Therefore, these Terms of Use may be modified at any time.
Users must periodically check this page for updates.
If the user disagrees with any changes, they may cease using our websites or contact us for clarification.
8. Applicable Law
These Terms of Use are governed by the laws of the Federative Republic of Brazil.
Any legal dispute must be resolved under Brazilian jurisdiction.
The exclusive competent court elected is:
Pelotas – RS, Brazil.
9. Contact Us
For questions or requests related to our Terms of Use, you may contact us at:
📧 [email protected]
Please ensure that you are viewing the most up-to-date version of this document.
Spun Media is always pleased to assist with inquiries.
Last updated: May 31, 2025
SPUN MEDIA