The website concurseirosefinancas.com.br, hereinafter referred to as Concurseiros e Finanças, does not manufacture or sell any products.

The opinions and information submitted by internet users and columnists do not reflect the opinion of Concurseiros e Finanças, which disclaims any responsibility for suggestions sent by its users and partners.
The information contained herein is purely for informational purposes.

Concurseiros e Finanças assumes no technical responsibility for answering questions, providing tips, or for their application.
It is up to interested parties to take due care and perform their own testing before applying them.

We recommend that our readers always consult qualified professionals or companies regarding any related matters.

The information contained in Concurseiros e Finanças is provided without any implicit or explicit guarantee of any kind, whether commercial, private, or related to intellectual property rights.

The information on this website may contain inaccuracies or typographical errors.
Information may be changed or updated at any time without prior notice.

If you do not agree with these terms, please do not use this site.

Disclaimer of Warranties and Liability
For technical and operational reasons, it is not possible to guarantee the availability and continuity of concurseirosefinancas.com.br, nor to prevent its fallibility.

All services offered by Concurseiros e Finanças and Concurseiros e Finanças itself are provided on an “as is” and “as available” basis.

Concurseiros e Finanças is an open and collaborative website; its content is built by a plurality of users.
Concurseiros e Finanças does not monitor this content and cannot be held responsible in any way for it.
Users are hereby advised to exercise their own due diligence when using Concurseiros e Finanças.

Concurseiros e Finanças assumes no technical responsibility for answering questions, providing tips, or for their application.

Concurseiros e Finanças hereby disclaims and exempts itself, to the fullest extent permitted by the Brazilian legal system and any other applicable law, from any liability for damages of any nature, lost profits, and consequential damages that may arise or result from the lack of continuity or operation of Concurseiros e Finanças, as well as those arising from or caused by the posting and availability of content.

Concurseiros e Finanças is a mere communication channel made available to users and does not monitor content. Any and all liability for conduct or content within the scope of Concurseiros e Finanças is thus excluded.

Concurseiros e Finanças provides the “Contact Concurseiros e Finanças” link, through which abuses and violations of rights may be reported, under the terms defined above. Once the alleged abuses appear to be in good faith and satisfy the requirement of *fumus boni iuris*, Concurseiros e Finanças will proceed to remove such content, which will then be deleted.

Regarding the copying or reproduction of website content
Most of the articles written on the Concurseiros e Finanças website are contracted from professionals in their respective fields with assignment of copyright to the Concurseiros e Finanças website.

We do not permit the copying or reproduction of content.

• a) The USER is prohibited from modifying, copying, distributing, transmitting, displaying, performing, reproducing, publishing, licensing, creating derivative works from, transferring, or selling any information, software, products, or services collected from the “site” concurseirosefinancas.com.br, under penalty of violation of these terms and legal infringement;
• b) Distributing copies of the “site” concurseirosefinancas.com.br;
• c) Disclosing content or files without authorization;
• d) Granting access to third parties unlawfully.

External links
Concurseiros e Finanças, like any other internet website, allows links to other websites to be made available to users.
These links may consist of banners (advertisements, publicity, etc.), buttons, directories, and search tools that allow users to access external pages, etc.
The results of these tools are the direct responsibility of the third parties responsible for them.
Concurseiros e Finanças does not control the results of these tools, which may direct the user to pages with content that is illegal or contrary to morals and good customs.

Contact our team.
We provide the link “Contact Concurseiros e Finanças” to receive alerts regarding the potential existence of such issues. We will proceed with removal in accordance with the terms specified above.

Concurseiros e Finanças does not sell third-party products or services.

Concurseiros e Finanças hereby disclaims and exempts itself, to the fullest extent permitted by the Brazilian legal system and any other applicable law, from any liability for damages of any nature, lost profits, and consequential damages that may be caused by or arise from:

(A) The operation, availability, accessibility, or continuity of pages external to its domain;

(B) The maintenance of services, information, data, files, products, and any type of material existing on external pages;

(C) The provision or transmission of services, information, data, files, products, and any type of material existing on linked sites;

(D) The quality, legality, reliability, and utility of services, information, data, files, products, and any type of material existing on external pages, tips, or any other content on the website.

Users
Concurseiros e Finanças does not control the access to or use made by users of the content, services, and Concurseiros e Finanças itself.

Concurseiros e Finanças does not guarantee that users comply with the law, these terms of use, any other applicable regulatory instruments, or morals and good customs generally accepted by public order.

Concurseiros e Finanças does not verify and has no obligation to verify the identity of users nor the truthfulness, completeness, or authenticity of the data that users provide about themselves under any circumstances.

Concurseiros e Finanças will only provide any of this data pursuant to a legally valid court order.

Concurseiros e Finanças hereby disclaims and exempts itself, to the fullest extent permitted by the Brazilian legal system and any other applicable law, from any liability and for any damages and losses of any nature that may arise from the improper use of third-party identity by a user in any class or situation within Concurseiros e Finanças.

Applicable Law and Jurisdiction
These Terms of Use are governed by Brazilian laws. concurseirosefinancas.com.br consists of a cultural service of public interest that does not create a consumer relationship and is not governed by the Consumer Protection Code.

Any legal action involving concurseirosefinancas.com.br must be brought exclusively in the courts of the city of São Paulo, to the exclusion of any other, regardless of how privileged it may be.