1. Acceptance of Terms
Welcome to Diquinha.com (“we,” “our,” “us,” or the “Website”). By accessing, browsing, or using this website in any manner, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all applicable laws and regulations.
If you do not agree with any of these terms, you are prohibited from using or accessing this website. Please discontinue use immediately.
2. About Our Website
Diquinha.com is a financial information and educational website that provides content about:
- Banking products and services
- Personal loans and credit information
- Investment education and market analysis
- Financial planning resources
- Economic news and trends
Important: We are an informational website only. We do not provide financial services, banking services, investment management, or professional financial advice.
3. Financial Information Disclaimer
Educational Purpose Only
All content on this website is provided for educational and informational purposes only and does not constitute:
- Personal financial advice
- Investment recommendations
- Banking or lending advice
- Tax, legal, or accounting guidance
- Professional financial planning services
No Financial Advisor Relationship
No content on this website creates a financial advisor-client relationship. You should always consult with qualified financial professionals before making any financial decisions.
Market Risk Warning
All investments and financial products carry inherent risks, including the potential loss of principal. Past performance does not guarantee future results. Market conditions can change rapidly and significantly impact financial outcomes.
4. Acceptable Use
Permitted Uses
You may use this website to:
- Read and research financial information
- Access educational content
- Participate in discussions through comments
- Share content through provided social sharing tools
- Print content for personal, non-commercial use
Prohibited Uses
You may NOT use this website to:
- Provide unlicensed financial advice to others
- Distribute malicious software or engage in harmful activities
- Impersonate any person or entity
- Violate any applicable laws or regulations
- Spam, harass, or abuse other users
- Upload content that infringes intellectual property rights
- Attempt to gain unauthorized access to our systems
- Use automated tools to scrape or download content without permission
- Redistribute our content for commercial purposes without written consent
5. User-Generated Content
Comments and Submissions
When you post comments or other content on our website, you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display such content.
Content Standards
All user-generated content must:
- Be respectful and appropriate
- Not contain personal financial information (account numbers, SSNs, etc.)
- Not constitute financial advice or recommendations
- Comply with all applicable laws
- Not infringe on others’ intellectual property rights
Content Moderation
We reserve the right to monitor, edit, or remove any user-generated content at our sole discretion, without notice.
6. Intellectual Property Rights
Our Content
All content on this website, including but not limited to:
- Text, articles, and blog posts
- Graphics, images, and infographics
- Videos and multimedia content
- Website design and layout
- Logos and trademarks
- Financial analysis and research
is protected by copyright, trademark, and other intellectual property laws and is owned by Diquinha.com or our licensors.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes only.
Restrictions
You may not:
- Copy, reproduce, or distribute our content without written permission
- Create derivative works based on our content
- Use our content for commercial purposes
- Remove copyright notices or attributions
- Frame or embed our content on other websites without permission
7. Third-Party Links and Content
External Links
Our website may contain links to third-party websites, financial institutions, and service providers. These links are provided for convenience only and do not constitute endorsement.
No Responsibility
We are not responsible for:
- The content, accuracy, or practices of third-party websites
- Any transactions or relationships you may have with third parties
- Privacy policies or data handling of external sites
- Products or services offered by third parties
Due Diligence
Always conduct your own research before engaging with any third-party financial services or products.
8. Disclaimers and Limitations of Liability
Website Availability
We strive to maintain website availability but do not guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, technical issues, or other factors beyond our control.
Accuracy of Information
While we strive to provide accurate and up-to-date financial information, we make no warranties regarding:
- The completeness or accuracy of content
- The timeliness of financial data or market information
- The suitability of information for your specific circumstances
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:
- Your use of this website
- Financial decisions made based on our content
- Investment losses or market performance
- Technical errors or website downtime
- Third-party actions or omissions
- Data breaches or security incidents
MAXIMUM LIABILITY: Our total liability shall not exceed $100 or the amount you paid to access our website (whichever is lower).
9. Indemnification
You agree to indemnify, defend, and hold harmless Diquinha.com, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including attorney fees) arising from:
- Your use of the website
- Your violation of these Terms of Use
- Your infringement of intellectual property rights
- Financial decisions you make based on website content
- Any content you post or submit to the website
10. Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which governs the collection and use of your personal information. By using this website, you consent to our privacy practices.
11. Termination
Our Right to Terminate
We may terminate or suspend your access to the website at any time, without notice, for:
- Violation of these Terms of Use
- Inappropriate or harmful behavior
- Legal or regulatory requirements
- Technical or security reasons
Effect of Termination
Upon termination:
- Your right to use the website immediately ceases
- You must stop accessing the website
- Surviving provisions (disclaimers, limitations of liability) remain in effect
12. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on the website.
Notification of Changes
- Material changes will be prominently displayed on our website
- The “Last Updated” date will be revised
- Continued use constitutes acceptance of modified terms
Your Options
If you disagree with any changes, you must stop using the website.
13. Governing Law and Jurisdiction
These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
Any disputes arising from these terms or your use of the website shall be resolved through binding arbitration or in courts of competent jurisdiction.
14. Severability
If any provision of these Terms of Use is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.
15. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Diquinha.com regarding your use of the website.
16. No Waiver
Our failure to enforce any provision of these Terms of Use shall not constitute a waiver of that provision or any other provision.
17. Contact Information
If you have questions about these Terms of Use, please contact us through the contact information provided on our website.
18. Age Restrictions
This website is intended for users who are at least 18 years old. If you are under 18, you may only use this website with parental supervision and consent.
Given the financial nature of our content, we strongly recommend that minors consult with parents or guardians before making any financial decisions.
19. Compliance with Laws
You agree to comply with all applicable local, state, national, and international laws and regulations in your use of this website.
20. Force Majeure
We shall not be liable for any delay or failure to perform our obligations under these Terms of Use due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, or technical failures.
ACKNOWLEDGMENT
By using this website, you acknowledge that:
- You have read and understood these Terms of Use
- You agree to be bound by these terms
- You understand this is an informational website only
- You will seek professional advice for financial decisions
- You accept the risks associated with using financial information
Last Updated: July 1, 2025
If you do not agree to these terms, please do not use this website.