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Terms and Conditions

Terms and Conditions – Uni5verse.com

Any mention of ‘we’, ‘us’, and ‘our’ throughout this document refers exclusively to uni5verse. All information, services, and content available on this portal are provided by uni5verse, under the condition that the user accepts all terms, conditions, and policies established herein. The use of our services implies the user’s navigation and interaction with the portal.

uni5verse is a website specialized in producing content related to financial education, featuring informative articles and analyses of various products/services (such as credit cards, loans, financing, and types of investments) offered by both national and international financial institutions.

It is important to note that using this site is conditioned not only on the Terms mentioned here but also on the uni5verse Privacy Policy, available at: https://uni5verse.com/privacy-policy-uni5verse/.

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 uni5verse website, as described in the following sections.

Please carefully read our Terms of Use. If you disagree with the terms established here, we request that you refrain from using the services offered by uni5verse.

Section I – Admission

1.1 By using uni5verse, the user agrees to comply with the General Terms and Conditions of Use and the associated Privacy Policy, available at: https://uni5verse.com/privacy-policy-uni5verse/.

1.2 By accessing and/or using uni5verse, the user declares they are at least 18 years old and have full legal capacity and express agreement to accept 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, either wholly or partially, with the provisions of these Terms and Conditions of Use, it is recommended that they refrain from accessing and/or using the services offered by uni5verse, as well as the websites and services it manages.

Section II – Contact

2.1 We are available to assist the user, resolve any issues, and present complaints or other information regarding the products/services available on uni5verse.

2.2 If you wish to contact us, you can do so on the uni5verse website, at https://uni5verse.com/contact-uni5verse/

Section III – Responsibilities of the Parties

3.1 By exploring and using the services and products available on the uni5verse portal, the user acknowledges having read, understood, and accepted all clauses contained in this Agreement and the Conditions of Use, as well as the Privacy Policy.

3.2 uni5verse provides links and redirects the user to third-party websites, where services can be contracted, and products can be purchased directly from the respective entities. uni5verse does not intervene in this process.

3.3 When redirected to a partner company’s website, the user is urged to review and explicitly agree to the terms of use and privacy policies of the respective company.

3.4 uni5verse is not responsible for the terms of use, privacy policies, information regarding services or products advertised, or any transactions or contracts carried out with these third-party companies.

3.5 uni5verse is not responsible for damages caused by viruses or malware acquired during internet browsing or data transfer. Users are recommended to keep their security systems up to date.

3.6 uni5verse is exempt from liability for damages resulting from improper use of the site or force majeure events.

3.7 It is important to emphasize that uni5verse does not request deposits or bank transfers for the approval or granting of financial products.

3.8 Additionally, uni5verse does not send emails requesting personal or registration information, executable attachments, or links for downloads. If you receive such communications, please inform us via the contact form available at https://uni5verse.com/contact-uni5verse/

Section IV – Conditions of Use and Restrictions

In the context of our Service Agreements, we set strict guidelines for the use of our portal and content. The following is strictly prohibited:

  • Using the site for illegal purposes or to promote illegal activities.
  • Violating any local, state, federal, provincial, or international laws or regulations.
  • Infringing on our intellectual property rights or those of others.
  • Engaging in harassment, abuse, defamation, intimidation, or discrimination based on gender, sexual orientation, religion, ethnicity, race, age, nationality, or disability.
  • Spreading false or misleading information.
  • Disseminating viruses or any harmful code that could affect the operation of the Service, related sites, other websites, or the Internet.
  • Collecting or tracking the personal data of others without proper consent.
  • Engaging in spam, phishing, pharming, pretexting, spidering, crawling, or scraping.
  • Using the site for obscene or immoral purposes.
  • Bypassing or interfering with the security measures of the Service, related sites, other websites, or the Internet.

Attention: We reserve the right to terminate or suspend the use of our Services and any related sites if the user violates any of these restrictions.

Section V – Liability Limitations and Warranties

We acknowledge that the use of our Service may not be continuous, fully secure, or error-free. We do not guarantee that the results derived from the Service will always be accurate or reliable.

Access to the Service may be interrupted or terminated at any time without prior notice.

In no event shall uni5verse, its directors, employees, or partners be liable for any damages, losses, or claims arising from the use of the Service.

This includes, without limitation, lost 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 allowed, our liability will be limited to the maximum extent permitted by applicable law.

Section VI – Term and Expiry Period

Any legal or administrative action related to the use of uni5verse, as described in these General Terms of Use or the Privacy Policy, must be initiated within a maximum period of 90 days.

These General Terms and Conditions of Use remain in effect indefinitely.

Section VII – Governing Law and Jurisdiction

7.1 These provisions and the General Terms of Use should 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 Defense Code, the General Internet Framework Law, and the General Data Protection Law.

7.2 For matters of interpretation or compliance with these Terms and the Privacy Policy, both parties agree to submit exclusively to the jurisdiction of the Tallinn Chamber of Commerce, Estonia.

Section VIII – Content and Intellectual Property

8.1 Content and Intellectual Property

The material on the uni5verse portal is protected by copyright and intellectual property laws. It is strictly forbidden to reproduce, modify, distribute, display, or create derivative works from this content without express written authorization.

8.2 Responsibility

We do not assume responsibility for third-party-generated content, such as comments and posts in forums or social media. Similarly, we are not responsible for any damages arising from the use of the site, whether direct, indirect, incidental, or consequential.

8.3 Violations

We may remove content that violates these terms, especially those that are illegal, offensive, defamatory, or infringe the rights of third parties.

Section IX – Modification of Terms and Conditions

uni5verse reserves the right to make changes, suspend, or terminate any part of its services at any time, without prior notice. Such modifications do not impose any liability on uni5verse to you or third parties.

By using the uni5verse website, you automatically and obligatorily accept these Terms and Conditions. Those who disagree with these terms must refrain from using the website.

Section X – Contact Information

If you have any questions or suggestions regarding our services, we encourage you to contact our customer service team. Send your message through the following form: https://uni5verse.com/contact-uni5verse/. We are available to assist you.