Last Updated: January 6, 2026
Welcome to FINNANCES.
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (“Terms”). If you do not agree, please do not use this Site.
1. Eligibility
You must be at least the minimum age required under the laws of your jurisdiction to enter into a legally binding agreement to use this Site independently.
The Site is not directed to children under the age of 13.
If you are under the age of majority in your jurisdiction, you may use the Site only with the supervision, involvement, and consent of a parent or legal guardian who agrees to be bound by these Terms.
By using the Site, you represent and warrant that you satisfy the applicable eligibility requirements in your jurisdiction.
2. Use of the Site
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms.
You agree not to:
- Use the Site for any unlawful purpose or in violation of these Terms;
- Interfere with or disrupt the operation of the Site;
- Attempt to gain unauthorized access to any part of the Site or its servers;
- Use any automated system (robots, spiders, or scrapers) to access the Site;
- Copy, reproduce, or distribute any portion of the Site except as expressly permitted.
We reserve the right to modify, suspend, or discontinue any part of the Site at any time without prior notice.
3. Intellectual Property Rights
All content on this Site — including text, graphics, images, videos, logos, software, and design — is owned by us or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
No part of the Site may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way without our express prior written consent.
All trademarks, logos, and service marks displayed on the Site are the property of FINNANCES or their respective owners.
4. Copyright Complaints and DMCA Safe Harbor
FINNANCES respects intellectual property rights and expects users to do the same. If you believe that content on this Site infringes your copyright, you may submit a notice of claimed infringement in accordance with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512.
To submit a DMCA takedown notice, please provide the following information in writing to our designated agent at legal@finnances.com:
(a) A physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
(b) Identification of the copyrighted work claimed to have been infringed;
(c) Identification of the material on our Site that is claimed to be infringing, with sufficient detail to locate it;
(d) Your contact information (name, address, telephone number, email);
(e) A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law;
(f) A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.
We will respond to valid DMCA notices by removing or disabling access to the allegedly infringing material. Repeat infringers may have their access to the Site terminated.
Counter-Notices: If you believe material was wrongly removed, you may submit a counter-notice to legal@finnances.com containing the information required under 17 U.S.C. § 512(g).
5. No Financial or Investment Advice
The content on this Site is provided for informational and educational purposes only. Nothing on this Site constitutes financial, investment, legal, or tax advice.
FINNANCES IS NOT licensed or registered as an investment advisor, securities broker, financial planner, or financial services provider in any jurisdiction, nor as a law firm or tax consultancy. We are an independent educational project.
You should always consult with a qualified financial professional before making any investment or financial decisions.
We do not guarantee the accuracy, completeness, or timeliness of the information on this Site. Any reliance on such information is at your own risk. Past performance of any investment discussed on this Site is not indicative of future results.
Nothing on this Site constitutes an offer, solicitation, endorsement, or recommendation to buy or sell any financial product or security.
Your use of this Site does not create any fiduciary, advisory, client, professional, partnership, joint venture, agency, or employment relationship between you and FINNANCES.
Our editorial standards, independence policies, and content ethics are governed by our Editorial Ethics Code, which is incorporated into these Terms by this reference. By using the Site, you acknowledge that you have read and understood our Editorial Ethics Code.
6. Disclaimer of Warranties
YOUR USE OF THE SITE IS AT YOUR OWN RISK.
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINNANCES, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR INABILITY TO USE) THE SITE.
This includes any direct, indirect, incidental, consequential, special, or punitive damages — even if we were advised of the possibility of such damages.
Nothing in these Terms excludes or limits liability where such limitation is prohibited by applicable law.
8. User-Generated Content
You may be able to post comments or other materials (“User Contributions”) on the Site.
By submitting User Contributions, you grant FINNANCES a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, publish, and distribute such content in any media.
You represent and warrant that your User Contributions:
- Are accurate and lawful;
- Do not infringe any third-party rights;
- Do not contain defamatory, obscene, or otherwise objectionable content.
We reserve the right to remove or edit any User Contributions at our sole discretion.
9. Third-Party Links and Advertising
The Site may contain links to third-party websites and display advertisements (e.g., Google AdSense).
These third-party sites and services are not controlled by us, and we are not responsible for their content, policies, or practices.
The inclusion of links or ads does not imply endorsement. You access third-party sites at your own risk.
Google AdSense and similar partners may use cookies to deliver personalized ads.
You can opt out of personalized advertising through Google’s Ads Settings:
https://adssettings.google.com
10. Privacy and Data Collection
Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information in accordance with applicable data protection laws, including:
- U.S. state privacy laws, including California (CCPA/CPRA), Virginia, Colorado, Connecticut, Texas, Utah, and other states with comprehensive privacy legislation;
- The General Data Protection Regulation (GDPR) and UK GDPR, for users located in the European Economic Area and the United Kingdom;
- The Brazilian General Data Protection Law (LGPD, Lei nº 13.709/2018), applicable because this Site is operated from Brazilian territory.
By using the Site, you consent to our collection and use of your data as described in that policy.
11. Indemnification
You agree to defend, indemnify, and hold harmless FINNANCES, its affiliates, employees, and service providers from any claims, liabilities, damages, or expenses (including attorney’s fees) arising out of or related to your violation of these Terms or misuse of the Site.
12. Governing Law and Dispute Resolution
12.1 Governing Law
This website is maintained in the Federative Republic of Brazil. These Terms of Use shall be governed by and interpreted in accordance with the laws of Brazil, without regard to conflict of laws principles.
12.2 Amicable Resolution
We believe that most disputes can be resolved through open and friendly dialogue. Before initiating any formal legal proceeding, you agree to contact us directly at contact@finnances.com and allow us a period of up to 60 (sixty) days to attempt to resolve the matter amicably and in good faith.
12.3 Jurisdiction
If the dispute cannot be resolved amicably, any legal action arising out of or relating to these Terms of Use shall be brought before the courts of the Judicial District of São José do Rio Preto, State of São Paulo, Brazil, subject to applicable mandatory consumer protection laws.
13. Changes to These Terms
We may revise these Terms at any time. Updated versions will be posted on this page with the “Last Updated” date.
Your continued use of the Site after any changes means you accept the revised Terms.
14. Contact Information
If you have general questions about these Terms of Use, please contact us at: 📧 contact@finnances.com
For legal matters, copyright claims, DMCA notices, or privacy-related requests: 📧 legal@finnances.com
