The Clube do Resumo is a website specialized in creating content related to financial education, with informative characteristics and analysis of various products/services (credit cards, loans, financing, types of investments, among others) offered by national and international financial institutions.
Our Terms and Conditions of Use are available at any time for the user, through the address: https://clubedoresumo.com/terms-of-use/.
In conjunction with these Terms and the use of the site, the provisions of the Clube do Resumo Privacy Policy, available at the address: https://clubedoresumo.com/privacy-policy/, as well as the applicable legislation, shall apply.
Thus, the Terms and Conditions of Use aim to inform the responsibilities, duties, and obligations of every User when accessing and/or using the Clube do Resumo website, as described in the items below.
It is important to emphasize that we do not interfere in any process involving the analysis and/or approval of credit for our clients or partners, so the final decision to carry out a transaction, grant credit, or offer is always theirs, according to their own criteria and credit and risk policies.
1.1. By accessing the Clube do Resumo, the User AGREES to comply with the Terms and Conditions of Use and the Clube do Resumo Privacy Policy.
1.2. By accessing and/or using the Clube do Resumo, the User declares to be at least 18 (eighteen) years old and 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 partially, with the terms and conditions contained in these Terms and Conditions of Use, they should not access and/or use the services offered by the Clube do Resumo, nor the sites and services operated by it.
2.1. The User has this service to resolve all their doubts, solve any problems, and provide complaints or other information about the products/services available on the Clube do Resumo.
2.2. The “Contact” can be made through the form available at https://clubedoresumo.com/contact/
3.1. The User must carefully read all the clauses contained in these Terms and Conditions of Use and in the Privacy Policy. By using the services and/or products provided by the Clube do Resumo, the User fully agrees with all the clauses and conditions of these Terms.
3.2. The Clube do Resumo 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 interference from the Clube do Resumo.
3.3. If the User is redirected to the website of the advertised company, the User must carefully read and expressly agree with the terms and conditions of use and the privacy policy of the advertised company.
3.4. The Clube do Resumo is not responsible for: (a) the terms and conditions of use and privacy policies of the advertised companies; (b) the information about the advertised services and/or products; (c) the services and/or products eventually offered and/or contracted by the advertised companies.
3.5. The Clube do Resumo is not responsible for any virus, malware, spyware, trojan, or any software that may damage or alter the configuration of the Users’ equipment as a result of browsing or using the internet or as a consequence of transferring data, texts, images, files, or audio.
3.6. It is the sole responsibility of the Users to keep their operating system updated and with antivirus programs.
3.7. The Clube do Resumo is not responsible for any loss or damage arising from the improper use of the Clube do Resumo website and/or due to unforeseen circumstances and/or force majeure.
3.8. The Clube do Resumo does not send or request deposits or bank transfers for the granting or approval of any financial product.
3.9. The Clube do Resumo does not send emails to Users requesting confirmation of data or registration with executable attachments (e.g., .exe, .com, .scr, .zip, .rar extensions), nor links for downloading files. If you receive such an email, please contact us through the website using the Contact form at https://clubedoresumo.com/contato/.
3.10. Without prejudice to the other provisions of these Terms of Use, the User’s obligations are:
(a) Not to violate any third-party rights when using the Clube do Resumo;
(b) Not to use the Clube do Resumo to stalk or harass others;
(c) Not to engage in fraudulent, illegal, dishonest, or improper activities when using the Clube do Resumo website; and
(d) To comply with the conditions established in these General Terms and Conditions of Use and the Privacy Policy, as well as the applicable Brazilian legislation;
4.1. The Terms and Conditions of Use of the Clube do Resumo may be amended, supplemented, or replaced at any time and for any reason, at the sole discretion of the Clube do Resumo, without prior notice or notification to Users.
4.2. ANY PERSON WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, SHOULD REFRAIN FROM USING THE CLUBE DO RESUMO WEBSITE
5.1. These Terms and Conditions of Use shall be valid for an indefinite period, and any legal or administrative claims arising from the use of the Clube do Resumo under these General Terms of Use or the Privacy Policy must be filed within 90 (ninety) days from the occurrence that gave rise to them.
6.1. These Terms and Conditions of Use should be read and interpreted in conjunction with the Privacy Policy, and both are governed by the laws of the Federative Republic of America, primarily by the Federal Constitution, Civil Code, Consumer Protection Code, General Internet Civil Framework, and the General Data Protection Law.
6.2. All matters regarding the interpretation, compliance, or any other questions related to these Terms and the Privacy Policy shall be expressly agreed upon by the parties, who waive any other jurisdiction and submit to the Forum of Belo Horizonte, where all and any doubts or issues arising from this term of use shall be resolved.