Terms and General Conditions of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY, AS YOUR USE OF THE PLATFORM INDICATES YOUR ACCEPTANCE OF THESE TERMS

The platform https://utua.com/ (“Platform” or “UTUA Platform” or “Site”) is a product recommendation and financial education website that specializes in creating content with informative features and analysis of various products/financial services (credit cards, digital banking, loans, financing, among others), provided by several companies (financial institutions), offering content to inform the user about the product that best suits their needs (“UTUA”).

These Terms and Conditions of Use are available to the user at any time through the address: https://utua.com/terms-of-use/, and apply along with these Terms and Conditions of Use and the use of the site, the provisions contained in UTUA’s Privacy Policy, available at: https://utua.com/privacy-policy/, as well as applicable law.

The purpose of the Terms and Conditions of Use is to inform the responsibilities, duties, and obligations of every user when accessing and/or using UTUA’s digital platform, as described in the following points.

By navigating on our platform, the user confirms that they have read, understood, and accepted these Terms and Conditions of Use and are aware that the provisions presented here will govern the relationship between UTUA and the user/you. If you do not agree with all the terms below, you will not be able to use or access the platform.

1. UTUA Platform

UTUA is a blog specialized in creating content with informative features and analysis of various financial products/services (credit cards, loans, financing, among others), provided by different companies (financial institutions), offering content to inform the user about the product that best suits their needs.

Whenever the terms “UTUA,” “we,” or “our” are mentioned, we refer to UTUA; likewise, whenever the terms “you,” “user,” “your,” are mentioned, we refer to you, the user, who accepts these Terms and Conditions of Use and the Privacy Policy to use and access the Platform.

We have an online platform that facilitates customer access to products and services offered by partner institutions.

When registering on the platform, UTUA may ask you some questions and request some information so that it is possible to mediate your relationship with the partner company, and all requested information will be used only for email marketing purposes. UTUA does not sell your information, and our platform complies with the data protection laws of the user’s country. However, the application for services is made directly within the partner company’s platform. UTUA is not part of the legal relationship established between the user and the partner company.

2. Equipment for Accessing the Platform

The equipment (computer, smartphone, tablet) and programs (browser) necessary to browse the UTUA website and the correct use of all internet resources (such as connection) without exception, as well as keeping the computer environment secure using available tools such as antivirus and firewall, among others, that are up to date, are solely the user’s responsibility to contribute to the prevention of electronic risks.

3. Access and Use of the UTUA Platform

In general, the provision of services does not require prior subscription or user registration. However, UTUA conditions the use of some of its services on prior subscription or user registration.

To use the services available on the UTUA Platform, you must be at least 18 (eighteen) years old. In this regard, the user, upon accessing the platform and accepting these Terms and Conditions of Use and the Privacy Policy, declares that they are over 18 (eighteen) years old and are fully responsible for the statement made.

Additionally, by accessing and using the UTUA platform, you declare and guarantee that (i) all information, personal or otherwise, that you submit is true and accurate; (ii) you will maintain the accuracy of all provided information; (iii) you will update your data when necessary, especially contact information; (iv) you will not submit any personal information if you are under 18 years old; (v) by using the website, you do not violate any applicable law or regulation; and (vi) you will not reverse engineer or decompile the website or parts thereof.

If any information provided by the user is false, incorrect, outdated, or incomplete, or if UTUA has reasonable grounds to suspect that such information is false, incorrect, outdated, or incomplete, UTUA shall have the right to immediately suspend or cancel without notice the user’s access to the platform and refuse any and all use, present or future, of the services or parts thereof.

By accepting the conditions of these Terms and Conditions of Use, the user acknowledges and agrees that the collection, use, and processing of their data will be carried out, such as (i) Registration data: Name, phone, email, national identification number, date of birth, address, gender, and other personal information necessary to identify you; (ii) Data related to the intended transaction: (iii) Data about current or previous employment; bank details for loan application; (iv) Social benefits data: Profile (retiree, civil servant, armed forces, etc.); Type of benefit received (retirement, pension, etc.); Amount of benefit received; Benefit registration; State, bank, account, and branch receiving the benefit; (v) Data on possible loan guarantees: If you have a vehicle in your name; if you have a property in your name; what is its value; what is the address of the property to be used as collateral; and your current credit status with your country’s credit rating agency.

4. UTUA’s Care with the Platform

Information contained on the Platform:

UTUA will make every effort to keep the information on this website as up-to-date, complete, and accurate as possible. To this end, it will strive to correct any inaccuracies or omissions in the information contained on the website as quickly as possible.

Platform availability:

UTUA seeks to ensure that the provided information is accurate, complete, up-to-date, and that the use of this is free from interruptions and errors. However, we cannot guarantee the full-time functioning of the website, as it depends on services provided by third parties, such as telecom operators and internet providers. Additionally, we will suspend the use of and access to the UTUA Platform in the event of force majeure, such as in the case of cyber-attacks and others that may impair the platform’s functionality and compromise user data.

User privacy:

It is part of UTUA’s Privacy Policy to respect the privacy of users. Although the website environment is subject to security monitoring, UTUA will not disclose private information about its users without prior permission, except in cases expressly provided for in the Privacy Policy or by court order or law. For more information, please see UTUA’s Privacy Policy: https://utua.com/policy-privacy/.

For user security:

UTUA does not request passwords, credit card information, or other banking details from its customers via email, phone, or other personalized service channels. Therefore, if you receive individual communication with this type of approach and content, do not respond, ignore it, and, if possible, forward your report to [compliance@begrowth.com.br]. UTUA is active in combating electronic fraud and relies on users’ awareness of safe internet navigation practices.

5. Links to Third-Party Sites

UTUA may, at its discretion, provide links to third-party sites. These sites have not necessarily been reviewed by us and are maintained by third parties over whom we have no control. The use of these sites is solely your responsibility, and you must be aware of the terms and conditions of use and privacy on each of these sites.

We have no responsibility for the content, materials, accuracy of information, and/or quality of products or services provided, made available, or advertised on third-party sites, and we assume no responsibility concerning users’ access and use of these sites. Additionally, these links do not imply any endorsement by any third party of any information, materials, or content on these sites, or of any products or services offered by third parties.

UTUA will not be responsible for the effective fulfillment of the obligations undertaken between users and the Partner Financial Institutions. The user acknowledges and agrees that negotiations conducted with Partner Financial Institutions, creditors, and/or third parties are carried out at their own risk.

6. Prohibitions and User Responsibilities

The user is prohibited, among other things:

(i) from violating any municipal, national, or international law integrated into the Brazilian legal system or which, for any legal reason, must be applied in Brazil;

(ii) from carrying out actions that are contrary to morality and good customs;

(iii) from assuming the identity of another person, natural or legal;

(iv) from uploading, transmitting, disseminating, displaying, sending, or otherwise making available any content that is illegal, including but not limited to content that violates others’ honor and privacy, pornographic, obscene, defamatory or slanderous, vulgar, prejudiced, racist, discriminatory, that promotes crime, or in any other way offensive, or that may give rise to any civil or criminal liability under the law;

(v) from uploading, transmitting, posting, displaying, sending, or otherwise making available any content that violates third-party rights, including intellectual property rights (as defined below);

(vi) from uploading, transmitting, posting, displaying, sending, or otherwise making available any form of advertising, announcement, or advertising material that is unsolicited or unauthorized by the UTUA Platform, such as unsolicited communications or bulk messages (known as “junk mail” or “spam”);

(vii) from uploading, transmitting, disseminating, displaying, sending, or otherwise making available any content containing viruses or any other code, file, or computer program with the purpose of interrupting, destroying, or limiting the functionality of any software, hardware, or equipment;

(viii) from violating third-party confidentiality and privacy rights;

(ix) from carrying out any actions that directly or indirectly, wholly or partially, may cause harm to UTUA, other users, or any third party;

(x) from using anonymous tools or proxies with the intent to anonymize your IP (Internet Protocol) address;

User responsibility:

UTUA provides links and/or redirects the user to other sites where the user can contract services and/or purchase products from the respective companies without any interference from UTUA.

If the user is redirected to the advertised company’s website, the user must carefully read and explicitly accept the general terms and conditions of use and privacy policy of the advertised company.

UTUA assumes no responsibility for the general terms and conditions of use and privacy policy of the advertised companies.

UTUA is not responsible for any virus, malware, spyware, trojans, or any software that may damage or change the settings on users’ equipment as a result of browsing or using the internet, or as a result of data transfer, texts, images, files, or sounds.

Users are fully responsible for keeping their operating system up to date and with antivirus programs.

UTUA cannot be held responsible for errors or technical and/or operational failures arising from the system or information from the user or third parties.

7. Intellectual Property

About UTUA’s Rights:

The website, content, and all other texts, graphics, images, photos, illustrations, trademarks, trade names, service marks, logos, information, source code, layouts, domain names, software, know-how, and other materials available on the UTUA Platform are all protected by intellectual property rights.

All intellectual property rights present on the website and mentioned above are owned by UTUA, licensed to UTUA, or our partners (as applicable). Commercial exploitation, transmission, dissemination, modification, reproduction, copying, or any other commercial use of such content by the user is strictly prohibited.

Reproduction of content for personal use:

Reproduction of content on the Platform is prohibited, except in cases where it is solely intended for the user’s personal use. Under no circumstances will the user acquire any intellectual property rights over said content.

In the event of a violation of an intellectual property right belonging to UTUA, the user assumes any civil and/or criminal liability resulting from said violation.

Unsolicited information:

It is UTUA’s policy not to accept or consider ideas, suggestions, or creative materials, including but not limited to notes, drawings, concepts, comments, suggestions for techniques, know-how information, advertising materials, videos, or other information beyond the specifically requested information for user registration on the Platform. The purpose of this policy is to avoid the possibility of future misunderstandings when projects developed by UTUA professionals resemble creative works by third parties who have submitted any submissions to UTUA.

All submissions will be treated as non-confidential and non-proprietary, and UTUA may use, enjoy, and dispose of such submissions as it sees fit. UTUA will not be responsible for the use or disclosure of any submissions, and you hereby acknowledge that nothing will be owed to you as a result of the use or disclosure of submissions.

User Generated Content:

By accepting this policy, the user also grants UTUA permission to use, copy, reproduce, make available, transmit, share, translate into other languages, insert into other materials (including but not limited to the platform, videos, and advertising materials) for any purpose, including commercial, advertising, and institutional purposes, any statement, testimony, or comment regarding the UTUA Platform.

8. Terms

These Terms and Conditions of Use will remain in full force and effect as long as: (i) the services are available on the Platform and are not replaced by other Terms and Conditions of Use; (ii) the user has access to the Platform; and (iii) the user is contracted with a partner company or financial institution.

The user may request the removal of their registration data and terminate their participation on the Platform at any time, for any reason, by sending the request to the email indicated on the Platform and in UTUA’s Privacy Policy.

9. Compensation

You agree to waive compensation to keep UTUA and its respective directors, agents, partners, service providers, and employees exempt from any loss, liability, lawsuit, or claim, including attorney’s fees, arising from or resulting from your use or access to the UTUA Platform or breach of these Terms of Use or the Privacy Policy.

You further agree to waive compensation to keep UTUA and its respective directors, agents, partners, service providers, and employees exempt from any loss, liability, lawsuit, or claim, including attorney’s fees, arising from or as a result of failures in your equipment, as well as misuse of information or materials on the website.

10. Notices

All notices to UTUA must be made in writing to the email: compliance@begrowth.com.br. UTUA may post notices or messages through the Platform to inform the user of changes to the Platform, these Terms of Use, or the Privacy Policy, among other relevant matters.

11. Communication

By accepting these Terms and Conditions of Use, the user authorizes UTUA to communicate with them through all electronic means, such as email, mobile phone, SMS (text message), electronic mail, as well as via SAC, and also physical correspondence.

12. Governing Law and Jurisdiction

These Terms and Conditions of Use shall be read and interpreted in conjunction with UTUA’s Privacy Policy, and both are subject to the applicable laws of the Federative Republic of Brazil, primarily the Federal Constitution, Civil Law, Consumer Law, General Internet Law, and the General Data Protection Law.

All issues related to interpretation, compliance, or other matters related to these Terms and the Privacy Policy shall be subject to the jurisdiction of Belo Horizonte, Minas Gerais.

13. General Provisions

If any provision of these Terms and Conditions of Use is invalid or unenforceable, such provision will be void, and the remaining provisions will remain valid.

UTUA’s failure to act concerning any breach committed by the user or others regarding these Terms and Conditions of Use does not imply that UTUA waives its rights to act concerning subsequent or similar breaches.

UTUA may change these Terms and Conditions of Use at any time, at its sole discretion, by posting updated terms and conditions of use. We recommend that you stay informed of new updates every time you access the UTUA Platform, as your access and use of the platform will be subject to any changes to these Terms and Conditions of Use.

14. Service Channels

If you have any questions regarding these Terms and Conditions of Use, please contact UTUA via email: compliance@begrowth.com

The user has this communication channel to resolve all their questions, resolve any problems, and present complaints or other information about products/services available on UTUA.

There is also the option for the user to use UTUA’s “Contact Us,” which can be activated via the link: ajuda@utua.com.br.