Any mention of “we,” “us,” or “our” in this document refers exclusively to explicapramim.com. All information, services, and content available on this portal are provided by explicapramim.com, on the condition that the user agrees to all the terms, conditions, and policies established herein. Use of our services implies browsing and interacting with the portal.
Explicapramim.com is a website dedicated to producing informative and educational content, covering topics such as financial education, financial products and services (including credit cards, loans, financing, and investments), as well as the dissemination of job opportunities from public sources.
It is important to note that the use of this website is subject not only to the aforementioned Terms, but also to explicapramim.com’s Privacy Policy, available at: privacy policy.
Therefore, the General Terms and Conditions of Use aim to clarify the responsibilities, obligations, and duties of all users who access and/or use the explicapramim.com website, as described in the following sections.
It is essential that you carefully read our Terms of Use. If you disagree with the terms established here, please refrain from using the services offered by explicapramim.com.
Section I – Admission
1.1 By using explicapramim.com, the user agrees to comply with the General Terms and Conditions of Use, as well as the associated Privacy Policy.
1.2 By accessing and/or using explicapramim.com, the user declares to be at least 18 years of age, have full legal capacity, and expressly consent to the acceptance of these Terms and Conditions of Use in all their legal implications.
1.3 If the user does not meet the aforementioned criteria and/or disagrees, in whole or in part, with the provisions contained in these Terms and Conditions of Use, it is recommended that they refrain from accessing and/or using the services offered by explicapramim.com, as well as the websites and services it administers.
Section II – Contact
2.1 We are available to assist the user, resolve any problems, and provide complaints or other information about the products/services available on the explicapramim.com website.
2.2 If you wish to contact us, you may do so directly through the explicapramim.com website.
Section III – Responsibilities of the Parties
3.1 By browsing and using the services and products available on the explicapramim.com portal, the User acknowledges having read, understood, and agreed to all the clauses contained in this Agreement, the Terms of Use, and the Privacy Policy.
3.2 explicapramim.com provides links and redirects the User to third-party websites, where services may be contracted and products may be purchased directly from the respective entities. explicapramim.com does not intervene in this process.
3.3 When redirected to a partner company’s website, the User is required to review and explicitly agree to that company’s terms of use and privacy policies.
3.4 Responsibility for the policies and terms of use of third-party companies, as well as for information regarding the services or products advertised, does not lie with explicapramim.com, nor for any transaction or contract entered into with such companies.
3.5 Any damages resulting from viruses or malware acquired while browsing or transferring data over the internet are not the responsibility of explicapramim.com. Users are advised to keep their security systems up to date.
3.6 explicapramim.com disclaims any responsibility for losses resulting from improper use of the website or events of force majeure.
3.7 It is important to emphasize that explicapramim.com does not request deposits or bank transfers for the approval or granting of financial products.
3.8 In addition, explicapramim.com does not send emails requesting personal or registration information, executable attachments, or download links.
If you receive such communications, please notify us through the contact form available at: name of the contact form.
Section IV – Terms of Use and Restrictions
In the context of Service Agreements, we establish strict guidelines for the use of our portal and content. It is strictly prohibited to:
- Use the website for illegal purposes or to promote activities that violate the law.
- Violate any applicable local, state, federal, provincial, or international laws or regulations.
- Infringe or violate our intellectual property rights or those of third parties.
- Engage in conduct such as harassment, abuse, defamation, intimidation, or discrimination based on gender, sexual orientation, religion, ethnicity, race, age, nationality, or disability.
- Disseminate false or misleading information.
- Transmit viruses or any code of a destructive nature that may harm the operation of the Service, related websites, other websites, or the internet.
- Collect or track the personal information of others without proper consent.
- Engage in spam, phishing, pharming, pretexting, spidering, crawling, or scraping.
- Use the website for any obscene or immoral purpose.
- Bypass or interfere with the security features of the Service, related websites, other websites, or the internet.
Notice: We reserve the right to terminate or suspend the use of our Services and any associated website in the event the user violates any of these restrictions.
Section V – Limitations of Liability and Warranties
We acknowledge that the use of our Service may not be uninterrupted, completely secure, or error-free. We do not guarantee that the results obtained from the Service will always be accurate or reliable.
Access to the Service may be suspended from time to time or even terminated at any moment without prior notice.
Under no circumstances shall explicapramim.com, its directors, employees, or partners be liable for any damages, losses, or claims arising from the use of the Service.
This includes, without limitation, loss of profits, data, or other intangible losses resulting from the use of any service or product obtained through the Service, or any other claim related to the use of the Service.
In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not permitted, our liability shall be limited to the maximum extent permitted by applicable law.
Section VI – Term and Expiration
Any legal or administrative action related to the use of explicapramim.com, as described in these General Terms of Use or the Privacy Policy, must be initiated within a maximum period of 90 days.
These Terms and Conditions of Use remain in effect indefinitely.
Section VII – Applicable Law and Jurisdiction
7.1 These provisions and the General Terms of Use shall be interpreted in conjunction with the Privacy Policy.
Both are governed by the laws of the Federative Republic of Brazil, including the Federal Constitution, the Civil Code, the Consumer Protection Code, the Marco Civil da Internet (Brazilian Internet Bill of Rights), and the General Data Protection Law.
7.2 With regard to aspects of interpretation or compliance with these Terms and the Privacy Policy, both parties agree to submit exclusively to the jurisdiction of Brazil.
Section VIII – Content and Intellectual Property
8.1 Content and Intellectual Property
The content available on the explicapramim.com portal is protected by copyright and intellectual property rights. The reproduction, modification, distribution, display, or creation of derivative works based on this content is strictly prohibited without prior written authorization.
8.2 Liability
We are not responsible for content generated by third parties, such as comments and posts on forums or social networks. Likewise, we disclaim any liability for any damages arising from the use of the website, whether direct, indirect, incidental, or consequential.
8.3 Violations
We may remove content that violates these terms, particularly content that is illegal, offensive, defamatory, or that infringes upon the rights of third parties.
Section IX – Modification of Terms and Conditions
explicapramim.com reserves the right to make changes, suspend or terminate any part of its services at any time, without prior notice. Such modifications do not confer any liability on explicapramim.com to you or third parties.
By using the explicapramim.com website, you automatically and obligatorily accept these Terms and Conditions. Those who do not agree to these terms should refrain from using the website.
Section X – Contact Information
For questions or suggestions regarding our services, we recommend that you contact our customer support team. Please send your message using the following form:
https://explicapramim.com/contact
We are here to assist you.