The website and platform https://uslp.ajudapopular.com (“SITE”) is owned and operated by CENARIO CAPITAL LTDA, a company registered in Brazil under CNPJ No. 11.321.934/0001-41. Throughout this document, the terms “SITE” and “Ajuda Popular” refer to https://uslp.ajudapopular.com, while “VISITOR” and “USER” refer to any individual or legal entity accessing or using the services available on this SITE.
Section I – Conditions of Access and Acceptance
- Acceptance: Accessing and using this SITE constitutes your full, unconditional agreement to all terms, conditions, and notices contained herein. If you do not agree with any part of these terms, you must immediately discontinue your access and use of the SITE.
- Age Restriction: This SITE is intended exclusively for individuals who are at least 18 years old (or the legal age of majority in your jurisdiction). By using this SITE, you represent that you meet this age requirement.
Section II – Modifications and Content Revisions
Ajuda Popular reserves the right to modify, add, update, or remove any section of these Terms of Use or any content on the SITE (including text, graphics, and features) at any time without prior notice. It is the USER’s responsibility to review these Terms periodically. Continued use of the SITE following any changes constitutes acceptance of those changes.
Section III – Purpose of the Website & Financial Disclaimer
- Informational Nature: Ajuda Popular is an independent online informational platform. Our objective is to provide educational content, insights, and information regarding financial products, services, credit options, and personal finance solutions.
- No Financial Intermediation: The SITE is not a bank, financial institution, lender, or credit broker. We do not directly issue, sell, or negotiate loans, credit cards, or financial products.
- No Guarantee of Approval: Ajuda Popular does not guarantee approval, rates, or conditions for any credit or financial services offered by third-party partners. All credit assessments, approvals, and contract terms are solely governed by the third-party financial institutions.
Section IV – Intellectual Property Rights
All trademarks, trade names, logos, original editorial content, site architecture, layout, graphics, and code on this SITE are the exclusive property of Cenario Capital Ltda and are protected under Brazilian Copyright Law (Law No. 9.610/98) as well as international intellectual property laws. Unauthorized reproduction, distribution, modification, or commercial exploitation of any material from this SITE is strictly prohibited without prior written consent.
Section V – User Responsibilities and Prohibited Uses
By accessing the SITE, the USER agrees:
- To provide true, accurate, and current information when submitting forms or contacting us.
- To maintain a secure digital environment using updated antivirus software and firewall protections.
- Prohibited Conduct: Users shall not engage in automated data scraping, use bots or spiders, inject malicious code, overload the infrastructure, or attempt unauthorized access to the SITE’s servers.
Section VI – Consent for Data Processing & Credit Inquiries
- Personal Data Processing (LGPD/GDPR): In accordance with applicable data privacy laws, by voluntarily submitting personal information through our forms, the USER consents to the collection, processing, and sharing of their data for commercial contact, personalized offers, and service inquiries as detailed in our Privacy Policy.
- Credit Consultations: Where applicable and explicitly authorized by the USER in specific partner application flows, third-party financial institutions may consult credit protection bureaus (e.g., Serasa, SPC) and the Credit Information System (SCR) of the Central Bank of Brazil, pursuant to Complementary Law No. 105/01, to conduct risk evaluations and present suitable products.
Section VII – Third-Party Websites and Advertisers
The SITE contains external hyper-links and advertisements leading to third-party platforms. Ajuda Popular does not control, verify, or assume responsibility for the content, privacy practices, terms, or services offered by third-party websites. USERS should carefully review the privacy policy and terms of use of any third-party site they visit.
Section VIII – Artificial Intelligence (AI) Content Transparency
In compliance with Google’s content quality guidelines:
- Portions of the informational content on this website may be generated or assisted by Artificial Intelligence (AI) tools.
- All AI-assisted content undergoes rigorous human editorial review, fact-checking, and validation to ensure accuracy, safety, and reliability.
- We do not use AI to generate misleading information, impersonate individuals, or provide medical, legal, or binding professional financial advice.
Section IX – Limitation of Liability
Ajuda Popular and Cenario Capital Ltda shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from:
- The use or inability to use the SITE.
- Third-party fraudulent activities, phishing attempts, or identity theft misusing our brand name without authorization.
- Technical outages, server downtime, or internet connectivity issues beyond our control.
Section X – Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of the Federative Republic of Brazil. Any disputes, claims, or legal proceedings arising out of or in connection with this SITE shall be submitted to the exclusive jurisdiction of the Courts of the Judicial District of Campinas, State of São Paulo, Brazil.