Terms of use | FatoFoco

General Terms and Conditions of Use

FatoFoco is a website specialized in creating content related to financial education, with informative features and analysis of various products/services (credit cards, loans, financing, types of investments, among others) offered by national and international financial institutions.

Our General Terms and Conditions of Use are available to the user at any time, through the address: https://fatofoco.com/termos-de-uso.

The provisions of the Privacy Policy of the FatoFoco website available at the following address apply jointly to these Terms and to the use of the website: https://fatofoco.com/politica-de-privacidade/, as well as the legislation in force.

Therefore, the General Terms and Conditions of Use aim to inform the responsibilities, duties and obligations of all Users when accessing and/or using the FatoFoco website, as described in the items below.

It is worth emphasizing that we do not interfere in any process involving the analysis and/or approval of the 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.

1. ACCEPTANCE

1.1. By accessing FatoFoco, the User AGREES to respect the General Terms and Conditions of Use and the FatoFoco Privacy Policy.

1.2. By accessing and/or using FatoFoco, the User declares to be at least 18 (eighteen) years old and to have full and express capacity to accept the terms and conditions of these Terms and Conditions of Use for all legal purposes.

1.3. If the User does not fit the description above and/or does not agree, even in part, with the terms and conditions contained in these Terms and Conditions of Use, he/she must not access and/or use the services offered by FatoFoco, as well as the websites and services operated by it.

2. CONTACT

2.1. The User has access to this service to clarify any doubts, solve any problems and present complaints or other information about products/services available on FatoFoco.

2.2. “Contact” can be made using the form contained in: https://fatofoco.com/contato/.

3. RESPONSIBILITIES OF THE PARTIES

3.1. The User must carefully read all clauses contained in these Terms and Conditions of Use and in the Privacy Policy and by using the services and/or products made available on FatoFoco, fully agrees with all clauses and conditions of these Terms.

3.2 FatoFoco provides links and/or redirects the User to other websites, where the User may contract services and/or purchase products from the respective companies, without any type of interference from FatoFoco.

3.3 If the User is redirected to the website of the company advertised on the site, the User must carefully read and expressly agree with the terms and conditions of use and with the privacy policy of the advertised company.

3.4 FatoFoco has no responsibility: (a) for the general terms and conditions of use and privacy policy of the advertised companies; (b) for the information on the services and/or products advertised; (c) for the services and/or products eventually offered and/or contracted from the advertised companies.

3.5 FatoFoco is not responsible for any virus, malware, spyware, trojan or any software that may damage or alter the settings of Users' equipment as a result of browsing or using the internet or as a result of transferring data, texts, images, files or audio.

3.6 Users are fully responsible for keeping their equipment's operating system up-to-date and using antivirus programs.

3.7. FatoFoco is not responsible for any losses and damages resulting from the irregular use of the FatoFoco website and/or unforeseeable circumstances and/or force majeure.

3.8 FatoFoco does not send or request deposits or bank transfers for the granting or approval of any financial product.

3.9 FatoFoco does not send emails to Users requesting data confirmation or registration with executable attachments (for example: .exe, .com, .scr, .zip, .rar extensions), nor links for downloading. If you receive one, please let us know through the website itself, using the Contact form contained in https://fatofoco.com/contato/.

3.10 Without prejudice to the other provisions of these Terms of Use, the User is obliged to:

(a) Not to violate any third party rights when using FatoFoco;

(b) Do not use FatoFoco for the purpose of monitoring or harassing third parties;

(d) Respect the conditions established in these General Terms and Conditions of Use and in the Privacy Policy, as well as the current Brazilian legislation;

4. MODIFICATION OF TERMS AND CONDITIONS

4.1. The General Terms and Conditions of Use of FatoFoco may be changed, supplemented or replaced at any time and for any reason, at the sole discretion of FatoFoco, without prior notice or notification to Users.

4.2 ANYONE WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, SHOULD REFRAIN FROM USING THE FatoFoco WEBSITE.

5. DURATION AND DECADENTIAL PERIOD

5.1. These General Terms and Conditions of Use will be in force for an indefinite period and any legal or administrative claims arising from the use of FatoFoco that are the subject of these General Terms of Use or the Privacy Policy must be filed within 90 (ninety) days from the event that gave rise to them.

6. LEGISLATION AND JURISDICTION OF ELECTION

6.1. These General Terms and Conditions of Use must be read and interpreted in conjunction with the Privacy Policy, and both are governed by the laws in force in the Federative Republic of Brazil, mainly by the Federal Constitution, Civil Code, Consumer Defense Code, General Law of the Civil Framework for the Internet and the General Data Protection Law.

6.2. All matters relating to the interpretation, compliance or any other questions related to these Terms and the Privacy Policy, the parties expressly agree and waive any other focus and submit to the District of Piratini – RS – Brazil, to resolve any and all doubts or questions arising from these terms of use.