Last updated: February 3, 2024

Financial Credit Sherpa, operated by Cloud Arbitration LTDA, a private legal entity registered under CNPJ nº 53.419.145/0001-98, with headquarters at Rua Fernandes Tourinho, 470, ZIP code 30112-004, Belo Horizonte – MG, Brazil, is responsible for the creation, ownership, and maintenance of the website https://financialcreditsherpa.com.

The terms “we,” “our,” or “platform” refer to the Financial Credit Sherpa website. The terms “you” or “user” apply to all visitors, readers, and third parties who access or interact with the platform.

By accessing or browsing this website, you acknowledge that you have read, understood, and fully agreed to the present Terms of Use, together with our Privacy Policy. If you do not agree, you must immediately stop using the platform.

Our website has an informational purpose only, focused on publishing general-interest content, comparisons, analyses, and information about products, services, and opportunities available in the market.

Section I – Access Conditions

1.1 Use of this website requires full acceptance of these Terms of Use and the Privacy Policy.
1.2 Only individuals 18 years or older with full legal capacity are allowed to use the site’s features.
1.3 If you do not meet these requirements, access must be discontinued immediately.

Section II – Contact Channel

If you need clarifications, wish to provide suggestions, or request assistance, please contact us through our official form: https://financialcreditsherpa.com/contact-us.
We will respond within a reasonable timeframe, in line with applicable legislation and best industry practices.

Section III – Responsibilities and Legal Notices

3.1 Acceptance of Terms – By continuing to browse the site, you confirm your awareness and acceptance of these conditions.
3.2 Purpose of the Website – Financial Credit Sherpa provides content solely for informational and educational purposes. It does not replace professional advice.
3.3 Limitation of Liability – We are not liable for:

  • damages arising from misuse of the platform;

  • technical failures, cyberattacks, or malware infections;

  • temporary unavailability of the website;

  • actions of third parties beyond our control.
    3.4 Third-Party Content – The platform may contain links to external websites. We are not responsible for their practices, content, or policies.
    3.5 Data Security – We will never request sensitive personal information via email or social networks. If you receive suspicious messages, disregard them and notify us immediately.
    3.6 Support – Any complaints or inquiries related to these Terms must be submitted exclusively through our official channel.

Section IV – Rules of Use and Prohibited Practices

It is strictly prohibited to use the platform to:

  1. Engage in illegal, fraudulent, or misleading activities.

  2. Violate copyrights, trademarks, or intellectual property rights.

  3. Threaten, harass, defame, or offend other users.

  4. Spread false news or misinformation.

  5. Send unsolicited or automated messages (spam).

  6. Publish offensive, discriminatory, or inappropriate content.

  7. Distribute viruses, malicious code, or unlawfully capture data.

  8. Attempt to bypass or violate security measures of the platform.

  9. Use the content for unauthorized commercial purposes.

Violations may result in immediate suspension or permanent blocking of access.

Section V – Technical Limitations

Our services are provided on an “as is” basis, with no guarantee of uninterrupted availability. We may modify, suspend, or discontinue features at any time without prior notice.

We shall not be held responsible for:

  • financial or commercial losses;

  • deletion, leakage, or unauthorized disclosure of data;

  • damage to the reputation of third parties.

Where the law does not permit full exclusion of liability, the maximum legal limit shall apply.

Section VI – Term and Validity

Any legal claim related to the use of the website must be filed within 90 days from the date of the incident. These Terms remain valid as long as the platform is available online.

Section VII – Governing Law and Jurisdiction

7.1 These Terms of Use comply with Brazilian legislation, including:

  • Civil Code;

  • Consumer Protection Code;

  • General Data Protection Law (Law nº 13.709/2018);

  • Brazilian Internet Civil Rights Framework (Law nº 12.965/2014);

  • Copyright Law (Law nº 9.610/1998).

7.2 The Courts of Belo Horizonte – MG, Brazil are elected as the exclusive jurisdiction to settle any disputes, with express waiver of any other jurisdiction, no matter how privileged.

Section VIII – Copyright and Intellectual Property

8.1 All content available on the website – including texts, images, videos, graphics, logos, and layout – belongs to Financial Credit Sherpa and is protected under intellectual property laws, particularly Law nº 9.610/1998.
8.2 Reproduction, distribution, modification, or commercial use of the content without prior written authorization is strictly prohibited.
8.3 We are not responsible for comments or posts made by third parties on social networks linked to our content.
8.4 We reserve the right to remove content or block users who violate these Terms.

Section IX – Amendments to the Terms

These Terms of Use may be updated or modified at any time. The latest version will always be available at: https://financialcreditsherpa.com/usage-policies.
By continuing to use the platform, you acknowledge and accept such updates.

Section X – User Support and Communication

We are always available to assist you. For questions, suggestions, or requests, please use our official support form: https://financialcreditsherpa.com/contact-us.