Terms of Use – Smart Finance

Last updated: 04/22/2025

Welcome to the Smart Finance Portal! These Terms of Use govern your access to and use of the website https://financas.familiaeabiblia.com.br and set forth the conditions under which we offer our services.
By accessing and using the site, you agree to comply with these Terms of Use, our Privacy Policy, and our Disclaimer.
If you do not agree with these terms, please do not use our site.

1. Acceptance of Terms

By using this site, you acknowledge that you have read, understood, and agreed to be fully bound by these Terms of Use. These terms apply to all users, regardless of the method of access.

2. Changes to Terms of Use

Smart Finance reserves the right to update these Terms at any time without prior notice. Changes will become effective immediately upon posting. We recommend reviewing this page periodically. Continued use of the site after changes implies acceptance of the revised terms.

3. Use of the Site

a) Access and Purpose

This portal is dedicated to providing information about financial education, investments, banking products, insurance, and related topics. Access is free and intended for informational purposes only.

b) User Conduct

You agree to use the site ethically and legally, and not to:

  • Post illegal, offensive, or infringing content;
  • Disrupt or interfere with the site’s operation;
  • Use the site for unauthorized or fraudulent commercial purposes.

4. Intellectual Property

All content on this site is protected by copyright and other legal regulations. No content may be reproduced, distributed, or modified without express authorization, except as permitted by law.

5. Third-Party Content and External Links

This site may contain links to third-party content. We are not responsible for their policies, practices, or content. Access to external links is at the user’s own risk.

6. Content Accuracy and Responsibility

The content provided is for informational purposes only and does not substitute professional financial advice.
While we strive for accuracy, we do not guarantee the completeness or timeliness of the information published.

7. Limitation of Liability

We are not liable for direct, indirect, or consequential damages arising from the use of the site, including:

  • Temporary unavailability of the site;
  • Loss of data or information;
  • Decisions made based on the content of the site.

8. User-Generated Content

If the site allows comments or user contributions:

  • The user is solely responsible for the content posted;
  • We reserve the right to moderate or remove inappropriate content;
  • By submitting content, the user grants the site permission to use and distribute the material.

9. Privacy and Data Protection

Use of the site is subject to our Privacy Policy.
We encourage you to read it to understand how your data is collected and processed.

10. Applicable Law and Jurisdiction

These Terms of Use are governed by the laws of the Federative Republic of Brazil.
Any disputes shall be resolved in the courts of Telêmaco Borba/PR, with waiver of any other jurisdiction.

11. Final Provisions

  • If any provision of these terms is deemed invalid, the remaining provisions shall remain in effect.
  • The site may be updated or discontinued at any time without prior notice.
  • These terms supersede any prior agreements or understandings regarding the use of the site.

12. Contact

If you have any questions or requests, please contact us via:

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