Welcome to MasFormulas.com.
Please read these Terms of Use carefully before using our website.
By accessing or using MasFormulas.com, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree, please discontinue using our website immediately.
1. Ownership and Operations
The website MasFormulas.com is owned and operated by ADZEP, registered under CNPJ 13.447.866/0001-97, headquartered at:
Rua das Flechas, 649 – Vila Santa Catarina, São Paulo – SP, Brazil, ZIP Code 04364-030.
When we refer to “we,” “our,” or “MasFórmulas,” we mean the administrative and editorial team of the platform.
MasFórmulas provides educational and informational content about personal finance, credit cards, loans, insurance, investments, and other related topics. Accessing or using this website implies full acceptance of these Terms and all applicable policies.
2. Acceptance of Terms
By navigating or interacting with MasFórmulas, you confirm that you:
-
Are at least 18 years old or have legal capacity to accept these Terms;
-
Have read, understood, and agreed to the Privacy Policy and Cookie Policy;
-
Will use the website lawfully and responsibly.
If you do not meet these requirements or disagree with any provision, please refrain from using our services.
3. Purpose of the Website
MasFórmulas serves as a digital platform for financial education and comparison of financial products, such as credit cards, loans, and insurance plans.
We provide educational content only — not financial or investment advice.
We do not act as a bank, credit intermediary, or financial advisor.
All content is intended to help users make informed decisions, but you remain solely responsible for any financial choices made.
4. Direct Communication Channels
For questions, feedback, or technical support, users can reach us through the contact form available at:
📩 https://masformulas.com/contact
or via email: [email protected].
5. User Responsibilities
By using MasFórmulas, you agree to:
-
Respect all applicable laws and regulations;
-
Avoid engaging in illegal or fraudulent activities;
-
Not upload or distribute malicious code, viruses, or harmful content;
-
Not impersonate other individuals or entities;
-
Not attempt to compromise the security or functionality of the site.
Misuse of the website may result in immediate suspension or permanent denial of access.
6. Third-Party Links and Services
Our website may include links to external websites, products, or services provided by third parties or advertising partners.
We do not control or endorse these third-party websites.
When you access them, you are subject to their own Terms of Use and Privacy Policies.
MasFórmulas is not responsible for any damages, losses, or issues resulting from third-party content or transactions.
7. Financial Transactions and Safety
MasFórmulas does not request payments, deposits, or transfers in exchange for access to any product or service.
If you receive any communication requesting personal or financial information allegedly from us, please disregard it and report it via our contact form.
We also recommend that you use up-to-date antivirus software and security tools to protect your personal data while browsing online.
8. Warranties and Limitations of Liability
MasFórmulas strives to ensure that all information provided is accurate and up-to-date; however, we do not guarantee that the website will always be secure, uninterrupted, or error-free.
You acknowledge that your use of this site is at your own risk.
MasFórmulas, its owners, authors, and affiliates are not liable for any direct or indirect damages, including data loss, financial losses, or system interruptions resulting from your use of this website.
9. Intellectual Property
All content published on MasFormulas.com — including texts, graphics, designs, and logos — is protected by copyright and intellectual property laws.
You may not copy, reproduce, modify, distribute, or create derivative works without prior written permission from MasFórmulas.
You may, however, share our content for non-commercial purposes provided that credit and a link to the original source are included.
10. Conduct and Restrictions
Users are strictly prohibited from:
-
Engaging in unlawful, abusive, or discriminatory behavior;
-
Posting false or misleading information;
-
Attempting phishing, scraping, or spam activities;
-
Violating intellectual property rights;
-
Publishing obscene or offensive material;
-
Exploiting the platform for unauthorized advertising or promotion.
Any violation of these rules may result in removal of content, account restriction, or legal action.
11. Disclaimer of Warranties
The website and all services are provided on an “as-is” and “as-available” basis.
We make no guarantees regarding accuracy, completeness, or results obtained from using our materials.
For details about our disclaimers and affiliate practices, please refer to our Disclaimer Page.
12. Duration and Legal Actions
These Terms of Use remain effective indefinitely unless modified by MasFórmulas.
Any legal claim related to the use of our website must be filed within 90 days of the event that gave rise to the claim.
Failure to do so constitutes a waiver of any such right.
13. Governing Law and Jurisdiction
These Terms of Use are governed by the laws of the Federative Republic of Brazil, including the Civil Code, Consumer Defense Code, the Marco Civil da Internet, and the LGPD (General Data Protection Law).
Any disputes arising from these Terms shall be resolved in the courts of São Paulo, Brazil.
14. Modifications to the Terms
MasFórmulas reserves the right to update, modify, or discontinue any part of the website or these Terms at any time, without prior notice.
Updates will be published on this page with a new effective date.
Continued use of the website after modifications constitutes acceptance of the new Terms.
15. Contact Information
For questions or suggestions regarding these Terms, please contact us:
📧 [email protected]
