The website Territorio Deficiente has as its main purpose the production of content focused on financial education. Our materials are informative and analytical, covering a wide range of products/services (such as credit cards, loans, financing, types of investments, among others) offered by national and international financial institutions.
Our Terms and Conditions of General Use are available at any time for the user.
The provisions of the Privacy Policy of the Territorio Deficiente website available at https://territoriodeficiente.com/privacy-policy/, as well as the applicable legislation, apply jointly to these Terms and the use of the site.
Therefore, the Terms and Conditions of General Use aim to inform the responsibilities, duties, and obligations of every User when accessing and/or using the Territorio Deficiente website, as described in the items below.
It is worth noting that we do not interfere in any process involving the analysis and/or approval of credit for our customers or partners, so the final decision to enter into a business, grant credit, or offer is always theirs, in accordance with their own credit and risk criteria and policies.
1.1. By accessing Territorio Deficiente, the User AGREES to comply with the Terms and Conditions of General Use and the Privacy Policy of Territorio Deficiente.
1.2. By accessing and/or using Territorio Deficiente, 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 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 in part, with the terms and conditions contained in these Terms and Conditions of Use, they should not access and/or use the services offered by Territorio Deficiente, as well as the websites and services operated by it.
2.1. The User has this service available to address all their doubts, solve any problems, and submit complaints or other information about products/services available on Territorio Deficiente.
2.2. “Contact” can be made through the form located at https://territoriodeficiente.com/contact/.
3.1. The User must carefully read all clauses contained in these Terms and Conditions of Use and in 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 the User to other websites where the User may contract services and/or purchase products from the respective companies without any interference from Territorio Deficiente.
3.3. 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.
3.4. Territorio Deficiente has 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 responsible for any viruses, malware, spyware, trojans, or any software that may damage or alter the settings of Users’ equipment as a result of internet browsing or use, or the transfer of data, texts, images, files, or audio.
3.6. Users are solely responsible for keeping their equipment’s operating system up to date and having antivirus programs.
3.7. Territorio Deficiente is not responsible for any losses and damages arising from the improper use of the Territorio Deficiente website and/or from force majeure or unforeseeable 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 to Users requesting data confirmation or registration with executable attachments (e.g., .exe, .com, .scr, .zip, .rar extensions), nor links for downloading. If you receive one, please notify us through the website itself, using the Contact form located at https://territoriodeficiente.com/contact/.
3.10. Without prejudice to the other provisions of these Terms of Use, the User’s obligations include:
(a) Not violating any third-party rights when using Territorio Deficiente;
(b) Not using Territorio Deficiente for the purpose of monitoring or harassing third parties;
(c) Not engaging in fraudulent, illegal, dishonest, or improper activities when using the Territorio Deficiente website; and
(d) Respecting the conditions established in these General Terms and Conditions of Use and the Privacy Policy.
4.1. The General Terms and Conditions of Use of Territorio Deficiente may be changed, 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 TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, SHALL REFRAIN FROM USING THE Territorio Deficiente WEBSITE.
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 (ninety) days from the event that caused 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 in force in the South Africa.
6.2. All matters related to 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 doubts or issues arising from this term of use will be resolved.