Terms of use

The Insider – General Terms and Conditions of Use

OInsider OÜ, an Estonian limited liability company (LLC, also known as OÜ), registered under VAT EE102532434 and with its registered office in Tallinn, at 6 Sepapaja Street, CEP 15551, Harju Estonia, is the creator, owner and maintainer of the website The Insider, whose domain is oinsider.com.br.

Insider is a website specialized in creating content related to financial education, informative features and analysis of various products/services (credit cards, loans, financing, types of investments, among others) offered by national and international financial institutions.

Our General Terms and Conditions of Use are available to the user at any time, via the address:  https://oinsider.com.br/termos.

The provisions of the Privacy Policy of the O Insider website, available at the address: https://oinsider.com.br/privacidade, as well as current legislation.

Therefore, the General Terms and Conditions of Use aim to inform the responsibilities, duties and obligations of every User when accessing and/or using the O Insider website, as described in the items below.

It is worth noting that we do not interfere in any process that involves the analysis and/or approval of credit of our customers or partners, so that the final decision to carry out a business, grant credit or offer is always theirs, in accordance with the its own credit and risk criteria and policies.

1. ACCEPTANCE

1.1. When accessing Insider, the User AGREES to respect the General Terms and Conditions of Use and the O Insider Privacy Policy.

1.2. By accessing and/or using O Insider, the User declares to be at least 18 (eighteen) years old and fully and expressly capable of accepting the terms and conditions of these Terms and Conditions of Use for all legal purposes.

1.3. If the User does not fit the description above and/or does not agree, even in part, with the terms and conditions contained in these Terms and Conditions of Use, he/she should not access and/or use the services offered by O Insider, as well as the websites and services operated by it.

2. CONTACT

2.1. The User uses this service to resolve all their doubts, resolve any problems and submit complaints or other information about products/services available on O Insider.

2.2. “Contact” can be made using the form contained in https://oinsider.com.br/contato/

3. RESPONSIBILITIES OF THE PARTIES

3.1. The User must carefully read all the clauses contained in these Terms and Conditions of Use and in the Privacy Policy and by using the services and/or products available on Insider you fully agree with all the clauses and conditions of these Terms.

3.2 OO Insider provides links and/or redirects the User to other websites, where the User can contract services and/or purchase products from the respective companies, without any type of interference from O Insider.

3.3 If the User is redirected to the website page of the company advertised on the website, the User must read carefully and expressly agree to the terms and conditions of use and the privacy policy of the advertised company.

3.4 OO Insider has no responsibility: (a) for the general terms and conditions of use and privacy policy of the advertised companies; (b) information about services and/or products advertised; (c) about the services and/or products eventually offered and/or contracted from the advertised companies.

3.5 Insider is not responsible for any virus, malware, spyware, trojan or any software that may damage or change the settings of Users' equipment as a result of browsing or using the internet or as a result of transferring data, texts, images, files or audios.

3.6 It is the Users' sole responsibility to keep their equipment's operating system up to date and with antivirus programs.

3.7. Insider is not responsible for any losses or damages arising from irregular use of the Insider website and/or acts of God and/or force majeure.

3.8 Insider does not send or request deposits or bank transfers for the granting or approval of any financial product.

3.9 Insider does not send emails to Users requesting confirmation of data or registration with executable attachments (for example: .exe, .com, .scr, .zip, .rar extensions), nor links to downloads and if If you receive one, please notify us through the website itself, using the Contact form at https://oinsider.com.br/contact/.

3.10 Without prejudice to the other provisions of these Terms of Use, the User is obliged to:

(a) Not violate any rights of third parties when using O Insider;

(b) Do not use Insider for the purpose of monitoring or harassing third parties;

(c) Not carry out fraudulent, illegal, dishonest or inappropriate activities when using the O Insider website; It is

(d) Respect the conditions established in these General Terms and Conditions of Use and in the Privacy Policy, as well as current Brazilian legislation;

4. MODIFICATION OF TERMS AND CONDITIONS

4.1. The General Terms and Conditions of Use of O Insider may be changed, supplemented or replaced at any time and for any reason, at the sole discretion of O Insider, without prior notice or notification to Users.

4.2 ANY PERSON WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, MUST REFRAIN FROM USING THE INSIDER WEBSITE.

5. TERM AND DEADLINE

5.1. These General Terms and Conditions of Use will be in force for an indefinite period and any judicial or administrative claims arising from the use of O Insider subject to these General Terms of Use or the Privacy Policy must be filed within 90 (ninety) days from the date of the claim. provoked.

6. LEGISLATION AND ELECTION FORUM

6.1. This General Terms and Conditions of Use must be read and interpreted in conjunction with the Privacy Policy, and both are governed by the laws in force in the Federative Republic of Brazil, mainly by the Federal Constitution, Civil Code, Consumer Protection Code, Law General Framework for the Internet and the General Data Protection Law.

6.2. All matters regarding interpretation, compliance or any other question relating to these Terms and the Privacy Policy, the parties expressly agree and waive any other focus and submit to the Chamber of Commerce of Tallinn, Estonia (The Arbitration Court of the Estonian Chamber of Commerce and Industry), to resolve any and all doubts or issues arising from this term of use.