Terms and Conditions of Use

AvailableCards is a platform dedicated to the evaluation of financial products and financial education, with a focus on creating and disseminating informative content and detailed analyses of various financial services and products, such as credit cards, digital banks, loans, financing, and more, offered by financial institutions. In addition, AvailableCards conducts reviews of banking products, and provides other relevant content for those seeking knowledge in the area.

We operate a main website and may have other financial websites linked to our brand, as well as applications, designed to provide a practical and personalized experience. Our goal is to help you make more informed financial decisions by recommending products and services that best suit your needs.

These Terms and Conditions of Use are always available for consultation on our website and should be read in conjunction with our Privacy Policy, also available on our website, and all applicable laws and regulations. The purpose of these Terms is to clarify the responsibilities, duties, and obligations of all users who access and/or use AvailableCards, as described below.

  1. DEFINITIONS

1.1. For the purposes of these Terms and Conditions of Use, “User” means any individual or legal entity that accesses or uses AvailableCards’ services, regardless of the means used, including, but not limited to, mobile devices, tablets, personal computers, internet browsers, or any other available access device or technology.

  1. ACCEPTANCE

2.1. By accessing AvailableCards, the User declares that they have read, understood, and fully agree with the Terms and Conditions of Use, as well as the Privacy Policy.

2.2. The User also confirms that they are of legal age in their jurisdiction and have full legal capacity to accept and comply with these Terms and Conditions of Use.

2.3. If the User does not agree, in whole or in part, with these Terms and Conditions of Use, they should not access or use the services provided by AvailableCards, its websites, or any other service operated by the company.

  1. CONTACT US

3.1. The User can clarify doubts, resolve problems, or submit complaints related to the products and/or services offered by AvailableCards through our service channel.

3.2. To contact us, the User can use the email: [email protected].

  1. RESPONSIBILITIES

4.1. By using AvailableCards’ services, the User confirms that they have read and fully agree with the Terms and Conditions of Use and the Privacy Policy.

4.2. AvailableCards may provide links to third-party websites, allowing the User to contract services or purchase products directly from these companies, without any interference or liability from AvailableCards.

4.3. When the User is redirected to third-party websites, it is their responsibility to read and agree to the Terms of Use and Privacy Policy of those companies before using their services or products.

4.4. AvailableCards is not responsible for:

  • Terms of use and privacy policies of third-party websites or companies;
  • Information provided by advertisers;
  • Services or products purchased directly by Users on third-party websites

4.5. AvailableCards is not responsible for any damages caused by viruses, malware, spyware, or other harmful software that may compromise the User’s equipment while browsing.

4.6. It is the User’s responsibility to keep their device updated and protected by appropriate antivirus software.

4.7. AvailableCards is not responsible for losses or damages arising from the misuse of its websites or due to force majeure.

4.8. The User’s obligations include:

  • Not violating the rights of third parties when using the website;
  • Not using the website for purposes of harassment, surveillance, or stalking of third parties;
  • Not engaging in fraudulent, illicit, or inappropriate activities;
  • Fully complying with these Terms and Conditions of Use, the Privacy Policy, and all applicable laws and regulations.
  1. TERM AND LIMITATION OF LIABILITY

5.1. These Terms and Conditions of Use are valid for an indefinite period.

5.2. To the maximum extent permitted by applicable law, AvailableCards’ liability for any claim arising out of or relating to these Terms or the use of AvailableCards’ services shall be limited to the extent permitted by law.

  1. MODIFICATION OF TERMS AND CONDITIONS

6.1. The Terms and Conditions may be changed at any time, at AvailableCards’ discretion, without prior notice.

6.2. Users who do not agree with the modified Terms should refrain from using AvailableCards’.

  1. GOVERNING LAW AND JURISDICTION

7.1. These Terms and Conditions of Use, as well as the Privacy Policy, are governed by the laws of Belo Horizonte, Brazil, without regard to its conflict of law provisions.

7.2. Any legal action or proceeding relating to these Terms or the use of AvailableCards’ services shall be brought in the federal or state courts located in Belo Horizonte, Brazil, and the parties consent to the exclusive jurisdiction of such courts.

AvailableCards is an advertising-supported financial recommendation and education platform. We are compensated in exchange for placement of sponsored products and services, which may influence how products are presented on our site. AvailableCards strives to keep the information accurate and up-to-date, but it may differ from that presented on the websites of financial institutions. All products and services are presented without guarantee of continuous accuracy or timeliness. AvailableCards acts as an intermediary and does not offer its own financial products, nor does it conduct credit analyses or participate in credit decisions, which are the sole responsibility of the financial institution. AvailableCards does not solicit payments, transfers, or fees. Information may vary; verify details with the provider. We recommend that you always read the Terms and Conditions of financial institutions before contracting any offer. Review the institution's terms before applying. Please review our full Terms of Use and Privacy Policy before engaging with any offer.