The Plasmania website’s primary focus is on creating content focused on financial education. Our materials are informative and analytical, covering a wide range of products and services (such as credit cards, loans, financing, various types of investments, etc.) offered by national and international financial institutions.
Our General Terms of Use are available to users at any time. The provisions of Plasmania’s Privacy Policy, available at https://plasmania.com/us/privacy-policy/, along with applicable law, apply jointly to these Terms and to your use of the Website.
The purpose of these general terms of use is, therefore, to inform users of their responsibilities, obligations, and duties when accessing and/or using the Plasmania website, as described in the following sections.
It’s important to emphasize that we do not intervene in any loan evaluation or approval process for our clients or partners. Therefore, the final decision to conduct a transaction, grant credit, or submit an offer rests solely with them, in accordance with their individual credit and risk criteria and policies.
1.1. By accessing Plasmania, the user agrees to comply with the General Conditions of Use and the Privacy Policy of Plasmania.
1.2. By accessing and/or using Plasmania, the user declares that he or she is at least 18 (eighteen) years of age and has the full and express capacity to accept the terms set forth in these Terms of Use for all legal purposes.
1.3. If the user does not meet the above criteria or does not agree, even partially, with the terms set forth in these Terms of Use, they must refrain from accessing or using the services offered by Plasmania, as well as the websites and services it operates.
2.1. Users have access to this service to resolve any queries, resolve problems, file complaints, or provide other information related to the products and services available from Plasmania.
2.2. Contact can be made via the form available at https://plasmania.com/us/contact/.
3.1. The User must carefully read all provisions of these Terms of Use and the Privacy Policy. By using the services and/or products offered by Plasmania, the User fully accepts all the provisions and conditions of these Terms.
3.2. Plasmania provides links and/or redirects users to other websites where they can contract services and/or purchase products from the corresponding companies without any intervention by Plasmania.
3.3. When redirected to an advertised company’s website, the user must carefully read and expressly accept the advertised company’s terms of use and privacy policy.
3.4. Plasmania is not responsible for:
(a) the general terms and conditions of use and privacy policies of the advertised companies;
b) information about the advertised services and/or products;
(c) services and/or products potentially offered and/or contracted by the advertised companies.
3.5. Plasmania is not responsible for any viruses, malware, spyware, Trojan horses, or any other software that may damage or modify the configuration of Users’ devices as a result of browsing or using the Internet, or the transmission of data, text, images, files, or audio.
3.6. Users are solely responsible for keeping their device’s operating system up to date and using antivirus software.
3.7. Plasmania is not liable for any loss or damage resulting from improper use of the Plasmania website or from force majeure or unforeseen circumstances.
3.8. Plasmania does not send or request deposits or bank transfers for the purpose of approving any financial product.
3.9. Plasmania does not send Users emails requesting data confirmation or registration with executable attachments (e.g., .exe, .com, .scr, .zip, .rar extensions) or download links. If you receive any, please inform us via the website contact form at https://plasmania.com/us/contact/.
3.10. Without prejudice to the other provisions of these Terms of Use, the User’s obligations include:
(a) not infringe any third party rights when using Plasmanium;
(b) not to use Plasmanium for the purpose of monitoring or harassing third parties;
(c) Not to engage in any fraudulent, illegal, dishonest or inappropriate activity when using the Plasmania website; and
(d) Comply with the conditions established in these General Conditions of Use and the Privacy Policy.
4.1. The Plasmania General Terms of Use may be modified, supplemented, or replaced at any time and for any reason, at Plasmania’s sole discretion, without prior notice or notification to users.
4.2. ANY PERSON WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, SHOULD REFRAIN FROM USING THE PLASMANIA WEBSITE.
5.1. These General Conditions of Use shall be valid for an indefinite period of time, and any judicial or administrative claim arising from the use of Plasmanium, in accordance with these General Conditions of Use or the Privacy Policy, must be filed within 90 (ninety) days of the event that gave rise to it.
6.1. These Terms of Use must be read and construed in conjunction with the Privacy Policy, and both are governed by the laws of the United States of America.
6.2. For any matter relating to the interpretation, enforcement, or any other issue related to these Terms and Conditions and the Privacy Policy, the parties expressly agree, waiving any other jurisdiction, to submit to the Belo Horizonte forum, where all questions or issues arising from these Terms of Use will be resolved.