Terms and Conditions

The primary objective of the Territorio Deficiente website is to generate content centred on financial literacy. Our resources are both educational and analytical, spanning a broad spectrum of products and services, including credit cards, loans, financing options, and various types of investments, offered by both national and international financial institutions.

Our Terms and Conditions of General Use are accessible to users at all times.

The Privacy Policy provisions of the Territorio Deficiente website, available at https://territoriodeficiente.com/au/privacy/, alongside relevant legislation, are applicable in conjunction with these Terms and the site’s usage.

Thus, the Terms and Conditions of General Use are designed to outline the responsibilities, duties, and obligations of every user when accessing and/or utilising the Territorio Deficiente website, as detailed below.

It’s important to note that we do not intervene in any processes related to credit analysis and/or approval for our customers or partners. Consequently, the final decision to engage in a business transaction, grant credit, or make an offer is entirely theirs, in line with their own credit and risk criteria and policies.

1. ACCEPTANCE

1.1. By accessing Territorio Deficiente, the user AGREES to adhere to the Terms and Conditions of General Use and the Privacy Policy of Territorio Deficiente.

1.2. Upon accessing and/or using Territorio Deficiente, the user asserts that they are at least 18 years old and possess full and explicit capacity to accept these Terms and Conditions of Use for all legal purposes.

1.3. Should the user not meet the aforementioned criteria and/or disagree, even partially, with the terms and conditions contained in these Terms and Conditions of Use, they should refrain from accessing and/or using the services offered by Territorio Deficiente, as well as the associated websites and services.

2. CONTACT

2.1. This service is available to users to address any queries, resolve issues, and submit complaints or other information about the products/services available on Territorio Deficiente.

2.2. “Contact” can be made via the form located at https://territoriodeficiente.com/contact/.

3. RESPONSIBILITIES OF THE PARTIES

3.1. Users must thoroughly read all clauses in these Terms and Conditions of Use and the Privacy Policy. By using the services and/or products provided on Territorio Deficiente, the user fully agrees with all the clauses and conditions of these Terms.

3.2. Territorio Deficiente provides links and/or redirects users to other websites where they may contract services and/or purchase products from the respective companies without any interference from Territorio Deficiente.

3.3. When redirected to the webpage of an advertised company, the user must carefully read and expressly agree to the terms and conditions of use and the privacy policy of the advertised company.

3.4. Territorio Deficiente holds no responsibility for:

(a) the general terms and conditions of use and privacy policy of the advertised companies;

(b) the information about the advertised services and/or products;

(c) the services and/or products potentially offered and/or contracted from the advertised companies.

3.5. Territorio Deficiente is not liable for any viruses, malware, spyware, trojans, or any software that may damage or alter the settings of users’ equipment due to internet browsing, use, or data transfer, including texts, images, files, or audio.

3.6. Users are solely responsible for keeping their operating systems up to date and having antivirus programs installed.

3.7. Territorio Deficiente is not liable for any losses or damages resulting from improper use of the Territorio Deficiente website and/or from force majeure or unforeseen circumstances.

3.8. Territorio Deficiente does not send or request deposits or bank transfers for the approval of any financial product.

3.9. Territorio Deficiente does not send emails requesting data confirmation or registration with executable attachments (e.g., .exe, .com, .scr, .zip, .rar extensions), nor does it send links for downloading. If you receive such an email, please notify us through the website using the Contact form at https://territoriodeficiente.com/contact/.

3.10. Without prejudice to the other provisions of these Terms of Use, users are obligated to:

(a) Not infringe upon any third-party rights when using Territorio Deficiente;

(b) Not use Territorio Deficiente for monitoring or harassing third parties;

(c) Not engage in fraudulent, illegal, dishonest, or improper activities while using the Territorio Deficiente website; and

(d) Respect the conditions established in these General Terms and Conditions of Use and the Privacy Policy.

4. AMENDMENT OF TERMS AND CONDITIONS

4.1. The General Terms and Conditions of Use of Territorio Deficiente may be modified, supplemented, or replaced at any time and for any reason, at the sole discretion of Territorio Deficiente, without prior notice or notification to users.

4.2. ANY PERSON WHO DOES NOT ACCEPT THESE MANDATORY AND BINDING TERMS AND CONDITIONS SHALL REFRAIN FROM USING THE Territorio Deficiente WEBSITE.

5. EFFECTIVENESS AND LIMITATION 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 Territorio Deficiente, subject to these General Terms of Use or the Privacy Policy, must be filed within 90 days from the event that caused them.

6. LEGISLATION AND CHOICE OF FORUM

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 in force in Australia.

6.2. For all matters concerning the interpretation, compliance, or any other issues related to these Terms and the Privacy Policy, the parties expressly agree and waive any other jurisdiction, submitting themselves to the Forum of Belo Horizonte, where all disputes or issues arising from these terms of use will be resolved.