Terms of use

Terms of Use

Last Update: 8 July 2026

Anúncios

Anúncios

1. Acceptance of Terms and Conditions

Welcome to our website. By accessing, browsing, or using this website in any way, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use, together with our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of the website immediately. We may require affirmative acceptance of these Terms (for example, through a checkbox or continued use notice) where applicable.

2. Rules for Users (Use of the Website)

You agree to use the website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes, without limitation:

  • Harassing or causing distress or inconvenience to any other user;
  • Transmitting obscene, offensive, or unlawful content;
  • Attempting to gain unauthorized access to any part of the website or its systems;
  • Using automated means (bots, scrapers) to extract content without our consent;
  • Disrupting or interfering with the normal functioning of the website.

We reserve the right to restrict or deny access to any user who violates these rules.

3. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is owned by or licensed to us or our content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, publish, transmit, create derivative works from, or otherwise exploit any content from this website without our prior written consent, except as permitted by law.

4. User-Generated Content

If our website allows users to post content or submit materials, you grant us a non-exclusive, royalty-free, worldwide right to use, reproduce, adapt, publish, translate, distribute, and display such content in connection with the operation and promotion of the website. You represent that any content you submit does not violate any law or third-party rights, including intellectual property, privacy, or publicity rights.

5. Advertisements and Third-Party Links

Our website may display advertisements provided by third parties, including Google AdSense and Google Ad Manager. These third parties may use cookies and similar technologies to collect information about your visits to this and other websites in order to provide more relevant advertising. For more information about how personal data is handled, please review our Privacy Policy.

Our website may also contain links to third-party websites that are not owned or controlled by us. We are not responsible for the content, privacy practices, terms, or availability of any third-party websites or services. The inclusion of any link does not imply endorsement by us.

6. Account Termination and Cancellation

This website does not currently require user account registration to access its content. If account-based or subscription features are introduced in the future, the following rules will apply:

  • You may request cancellation of your account at any time by contacting us through the channels listed in the Contact section below;
  • We reserve the right to suspend or terminate access, at our sole discretion and without prior notice, in cases of violation of these Terms, fraudulent activity, unlawful conduct, or extended inactivity;
  • Upon termination, your right to use the website ceases immediately, though provisions that by their nature should survive (such as Intellectual Property, Disclaimer of Warranties, and Limitation of Liability) will remain in effect.

7. Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, we make no representations or warranties of any kind, express or implied, regarding the operation of the website or the information, content, materials, or services included on it. Your use of the website is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with your use of, or inability to use, this website, even if we have been advised of the possibility of such damages.

9. Modifications to the Terms of Use

We reserve the right to update or modify these Terms of Use at any time, at our sole discretion, without prior notice. Any changes will become effective upon publication on this page, and the “Last Update” date will be revised accordingly. Your continued use of the website after any such changes constitutes your acceptance of the revised Terms of Use.

10. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your information.

11. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, the jurisdiction where the website operator is legally established and registered.

Before initiating any formal legal proceeding, we encourage users to first contact us through the channels listed below so that we may attempt to resolve the matter informally and in good faith.

Any dispute arising out of or relating to these Terms of Use or the use of this website that cannot be resolved informally shall be submitted to the courts of the judicial district of Belo Horizonte, Minas Gerais, Brazil, except where applicable law provides otherwise or grants the user a mandatory right to bring proceedings in their local jurisdiction.

12. Contact

If you have any questions regarding these Terms of Use, you may contact us using the information below:

Email: contato@icdra.com.br
Form: https://icdra.com.br/contact/

Last update: 8 july 2026

Aviso importante

Em nenhum momento solicitaremos qualquer tipo de pagamento para liberar produtos ou serviços, incluindo opções financeiras como limites de crédito, financiamento ou propostas similares. Caso receba tal solicitação, recomendamos que entre em contato conosco imediatamente. É fundamental também revisar cuidadosamente os termos e condições da empresa responsável pela oferta antes de prosseguir. Este site pode ser monetizado por meio de publicidade e recomendações de produtos. Todo o conteúdo publicado é baseado em análises e pesquisas, buscando sempre apresentar comparações equilibradas entre as opções disponíveis.

Transparência com os anunciantes

Este é um portal independente com conteúdo informativo, mantido por meio de parcerias comerciais. Para continuarmos oferecendo acesso gratuito aos usuários, algumas recomendações exibidas podem estar vinculadas a empresas parceiras que nos remuneram por indicações. Essa remuneração pode influenciar a forma, a posição e a ordem em que determinadas ofertas aparecem. Além disso, utilizamos nossos próprios critérios, incluindo análise de dados e sistemas internos, para organizar o conteúdo apresentado. Ressaltamos que nem todas as opções financeiras disponíveis no mercado estão listadas aqui.

Política Editorial

As parcerias comerciais não interferem nas opiniões, análises ou recomendações feitas por nossa equipe editorial. Nosso compromisso é produzir conteúdo imparcial e útil para o usuário. Embora nos esforcemos para manter todas as informações atualizadas e precisas, não podemos garantir que estejam sempre completas ou isentas de inconsistências. Portanto, não oferecemos garantias quanto à exatidão dos dados ou à adequação das informações para situações específicas.