Terms and Conditions

Credit Wise Hub is a website specialized in creating informative content and analyzing various products/services (applications, websites, government programs) provided by different companies (governmental and non-governmental institutions, other companies), offering content aimed at informing the user about the product that best fits their needs (“Credit Wise Hub”).

These General Terms and Conditions of Use are available at any time to the user, through the address: https://loan.creditwisehub.com/terms-of-use and apply jointly to these General Terms and Conditions of Use and the use of the site provisions of the Privacy Policy of Credit Wise Hub, available at: https://loan.creditwisehub.com/privacy-policy, as well as the current legislation.

Thus, the General Terms and Conditions of Use aim to inform the responsibilities, duties, and obligations of every User when accessing and/or using Credit Wise Hub, as described in the items below.

  1. DEFINITIONS

1.1. For the purposes of these General Terms and Conditions of Use:

User: any natural person or legal entity who accesses or uses, by any means, including mobile devices, cell phones, tablets, personal computers, internet browsers, and any other means of access that may be developed.

  1. ACCEPTANCE

2.1. By accessing Credit Wise Hub, by any means, the User agrees to have read and agreed to the General Terms and Conditions of Use and the Privacy Policy of Credit Wise Hub.

2.2. By accessing and/or using the Credit Wise Hub site, 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 General Terms and Conditions of Use for all legal purposes.

2.3. If the User does not fit the description above and/or does not agree, even partially, with the terms and conditions contained in these General Terms and Conditions of Use, they should not access and/or use the services offered by Credit Wise Hub, as well as the sites and services operated by it.

  1. CONTACT US

3.1. The User has this service to clarify all doubts, solve any problems, and provide complaints or other information about products/services available on Credit Wise Hub.

3.2. The “Contact Us” can be activated by sending an email to: [email protected].

  1. RESPONSIBILITIES

4.1. The User must carefully read all clauses contained in these Terms and Conditions of Use and in the Privacy Policy (www.loan.creditwisehub.com/privacy-policy) and by using the services and/or products available on Credit Wise Hub agrees fully with all clauses and conditions of these Terms and Conditions of Use and the Privacy Policy.

4.2. Credit Wise Hub provides links and/or redirects the User to other sites, where the User may contract services and/or acquire products from the respective companies, without any interference from Credit Wise Hub.

4.3. When redirected to the website page of the company advertised on the site, the User must read carefully and expressly agree to the terms and conditions of use and the privacy policy of the advertised company.

4.4. Credit Wise Hub has no responsibility (a) for the terms and conditions of use and privacy policy of the advertised companies; (b) for the information of the advertised services and/or products; (c) for the services and/or products eventually offered and/or contracted by the advertised companies.

4.5. Credit Wise Hub is not responsible for any virus, malware, spyware, trojan, or any software that may damage or alter the settings of the Users’ equipment as a result of browsing or using the internet or from the transfer of data, texts, images, files, or audios.

4.6. It is the total responsibility of the Users to keep the operating system of their equipment updated and to have antivirus programs.

4.7. Credit Wise Hub is not responsible for any losses and damages arising from the irregular use of the Credit Wise Hub site and/or force majeure.

4.8. Without prejudice to other provisions of these Terms of Use, it is the User’s obligations:

Not to violate any rights of third parties when using the Credit Wise Hub site;

Not to use the Credit Wise Hub site to monitor or harass third parties;

Not to engage in fraudulent, illegal, dishonest, or improper activities when using the Credit Wise Hub site; and

To respect the conditions established in these General Terms and Conditions of Use and the Privacy Policy, as well as the current Brazilian legislation;

  1. VALIDITY AND DECADENCE PERIOD

5.1. These General Terms and Conditions of Use will remain in effect indefinitely, and any judicial or administrative claims arising from the use of the Credit Wise Hub site covered by these General Terms of Use or the Privacy Policy must be filed within 90 (ninety) days from the fact that caused them.

  1. MODIFICATION OF THE GENERAL TERMS AND CONDITIONS

6.1. The Terms and Conditions of Use of Credit Wise Hub may be changed, supplemented, or replaced at any time and for any reason, at the exclusive discretion of Credit Wise Hub, without prior notice or notification to the Users.

6.2. ANY PERSON WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH HAVE A MANDATORY AND BINDING CHARACTER, SHOULD REFRAIN FROM USING CREDIT WISE HUB.

  1. LEGISLATION AND ELECTION FORUM

7.1. These General Terms and Conditions of Use must be read and interpreted together 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 Protection Code, General Law of the Civil Framework of the Internet, and the General Data Protection Law.

7.2. All matters concerning the interpretation, compliance, or any other question related to these General Terms and Conditions of Use and the Privacy Policy, the parties expressly agree and waive any other venue and submit to the jurisdiction of the District of Recife, State of Pernambuco.

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