These Terms of Service (“Terms”) govern your access to and use of our website located at financeone.com.br and related pages (collectively, the “Service”). By accessing or using the Service, you agree to these Terms and to our Privacy Policy.

If you do not agree to these Terms, please do not use the Service. For questions, contact us at [email protected]

1. Who We Are & What We Do (No Financial Advice)

FinanceOne publishes editorial, educational, and informational content. We are not a bank, lender, financial institution, investment adviser, or law firm. Nothing on this Service constitutes financial, legal, tax, or investment advice. You should consult a licensed professional before making decisions.

2. AI Disclaimer

We use artificial intelligence tools to assist in the creation and translation of content. All AI-assisted content is reviewed by human editors before publication. However, errors may still occur, and all information is provided for informational purposes only.

3. Eligibility

The Service is intended for individuals who are at least 18 years old. By using this website, you confirm that you meet this requirement.

4. Accounts

If you create an account, you must provide accurate and up-to-date information. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account.

We reserve the right to suspend or terminate accounts at our discretion, subject to applicable laws.

5. User Content

You are responsible for any content you submit (“User Content”). By submitting content, you grant FinanceOne a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, display, and distribute it for purposes related to the Service.

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is owned by FinanceOne or its licensors and is protected under U.S. intellectual property laws.

Content may be created with the assistance of AI tools but is subject to human review and editorial control, constituting original material owned by FinanceOne.

You may not copy, reproduce, or distribute any content without prior written permission.

7. Prohibited Uses

• Violating any applicable law or regulation
• Harming or exploiting minors
• Sending spam or unauthorized promotions
• Impersonating any person or entity
• Infringing intellectual property rights
• Attempting unauthorized access or disrupting the Service

8. Communications & Marketing

We may send service-related communications. Marketing communications are sent only if you opt in, in compliance with applicable U.S. laws such as the CAN-SPAM Act. You may unsubscribe at any time.

9. Links & Third Parties

The Service may contain links to third-party websites. We are not responsible for their content or practices.

Affiliate Disclosure: Some links may be affiliate links, and we may earn commissions at no additional cost to you.

10. Purchases / Refunds (if applicable)

If paid services are offered, transactions may be processed through third-party providers. Prices and availability may change without notice.

All sales are final unless otherwise required by applicable U.S. consumer protection laws.

11. Analytics

We may use analytics tools to understand how users interact with the Service. Please refer to our Privacy Policy for details.

12. Copyright Infringement (DMCA)

If you believe your copyrighted work has been used improperly, please contact us with details. We will respond in accordance with the Digital Millennium Copyright Act (DMCA).

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, FinanceOne DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FinanceOne SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

Some states do not allow certain limitations, so some of these exclusions may not apply to you.

15. Indemnification

You agree to defend and indemnify FinanceOne against any claims arising from your use of the Service or violation of these Terms.

16. Termination

We may suspend or terminate access to the Service at any time if these Terms are violated.

17. Changes to the Service and Terms

We may update these Terms at any time. Continued use of the Service constitutes acceptance of the updated Terms.

18. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States and, where applicable, the laws of the state in which the user resides.

19. Waiver & Severability

If any provision is found unenforceable, the remaining provisions will remain in effect.

20. Entire Agreement

These Terms constitute the entire agreement between you and FinanceOne regarding the Service.

21. Contact

If you have questions, contact us at: [email protected]