Terms and Conditions

Terms and Conditions

Last Updated: February 2026
Website: https://fintrixio.com

1. Acceptance of Terms

By accessing and using the Fintrixio website (https://fintrixio.com), you agree to comply with and be bound by these Terms and Conditions of Use. If you do not agree with any of these terms, please do not use our Site.

These Terms constitute a legally binding agreement between you and Incred Growth Tech Ltda (Tax ID/CNPJ: 48.059.155/0001-20).

2. Description of Service

Fintrixio is a website dedicated to financial education and informational content about:

  • Credit cards and loans
  • Travel and wellness
  • General financial advice

IMPORTANT: Fintrixio is exclusively an informational and educational site. We do not provide any financial services, we do not offer credit cards, loans, or financing, and we never request money for the release of financial products.

3. Intellectual Property

3.1 Site Content

All content present on Fintrixio, including but not limited to:

  • Text, articles, and publications
  • Images, photographs, and illustrations
  • Logos and trademarks
  • Graphic design and visual layout
  • Source code and software
  • Videos and multimedia content

Is the exclusive property of Incred Growth Tech Ltda or its respective licensors, and is protected by applicable intellectual property laws, including U.S. Copyright Law (17 U.S.C. § 101 et seq.), trademark laws, and international treaties.

3.2 Permitted Use

You may:

  • View and read content for personal and non-commercial use
  • Share links to our pages on social media
  • Quote small excerpts with proper attribution

3.3 Prohibited Use

Without prior written authorization, the following is prohibited:

  • Reproduce, copy, or duplicate content
  • Modify, adapt, or create derivative works
  • Distribute, sell, or license content
  • Use content for commercial purposes
  • Remove watermarks, logos, or copyright notices

4. Limitation of Liability

4.1 Informational Content

Content published on Fintrixio is exclusively informational and educational. It does not constitute:

  • Professional financial advice
  • Investment recommendations
  • Offers of financial products or services
  • Legal or tax advice

Always consult a qualified professional before making financial decisions.

4.2 Accuracy of Information

We strive to provide accurate and up-to-date information, however:

  • We do not guarantee the accuracy, completeness, or timeliness of content
  • Information may become outdated without notice
  • Products and conditions mentioned may change

4.3 Disclaimer of Warranties

Fintrixio is provided “as is” and “as available.” We offer no warranties of any kind, express or implied, including:

  • Uninterrupted operation of the site
  • Absence of technical errors or viruses
  • Specific results from using the information

4.4 Limitation of Damages

To the maximum extent permitted by law, Incred Growth Tech Ltda shall not be liable for:

  • Direct, indirect, incidental, or consequential damages
  • Financial losses arising from use of site information
  • Technical errors, interruptions, or service failures
  • Actions by third parties, including hackers or malware
  • Decisions made based on our content
  • Issues with linked third-party websites

5. Rules of Conduct

5.1 Prohibited Behavior

By using Fintrixio, you agree NOT to engage in the following activities:

Illegal Activities:

  • Use the site for illegal or unauthorized purposes
  • Violate local, state, federal, or international laws
  • Impersonate another person or entity

Technical Attacks:

  • Attempt unauthorized access to systems or networks
  • Conduct denial of service (DDoS) attacks
  • Introduce viruses, malware, or malicious code
  • Perform scraping or automated data extraction
  • Interfere with the site’s operation

Inappropriate Content:

  • Post offensive, defamatory, or slanderous comments
  • Send spam, unsolicited advertising, or promotional content
  • Share illegal, obscene, or inappropriate content
  • Harass, threaten, or intimidate other users

Violation of Rights:

  • Infringe intellectual property rights
  • Post personal information of third parties without consent
  • Use trademarks without authorization

5.2 Use of Contact Form

The contact form should be used exclusively for:

  • Legitimate inquiries about site content
  • Suggestions for improvement
  • Reporting technical problems
  • Exercising privacy rights

6. Termination and Suspension of Access

6.1 Right to Suspend

Incred Growth Tech Ltda reserves the right, without prior notice, to:

  • Suspend or restrict access of any user
  • Block suspicious IP addresses
  • Remove content that violates these terms
  • Take legal action when appropriate

6.2 Reasons for Suspension

We may suspend your access if you:

  • Violate any provision of these Terms
  • Engage in activities that harm the site or other users
  • Use the site fraudulently
  • Suspected illegal activity

6.3 Consequences

In case of serious violation, we reserve the right to:

  • Report activity to competent authorities
  • Initiate legal action to protect our interests
  • Claim damages and losses

7. External Links

Fintrixio may contain links to third-party websites. These links are provided solely for your convenience and do not imply:

  • Approval or endorsement of content
  • Association with such sites
  • Responsibility for their content or practices

We recommend reviewing the terms and privacy policies of any external sites you visit.

8. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect immediately upon posting on the site.

We recommend reviewing this page periodically. Continued use of the site after any modification constitutes your acceptance of the new terms.

9. Governing Law and Jurisdiction

9.1 Applicable Law

These Terms and Conditions are governed by:

  • For users in the United States: The laws of the United States and the State of Delaware, without regard to conflict of law principles
  • For users in California: California consumer protection laws (including CCPA/CPRA) and the California Consumer Legal Remedies Act apply in addition to these Terms
  • For users in other states: The consumer protection laws of your state of residence may apply in addition to federal law
  • For users in the European Union: The General Data Protection Regulation (GDPR) and applicable consumer protection legislation

9.2 Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Binding Arbitration: You and the Company agree that any dispute arising out of or relating to these Terms or the use of Fintrixio shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules, rather than in court.

Class Action Waiver: You agree that disputes will be resolved on an individual basis only, and not in a class, consolidated, or representative action.

Opt-Out Right: You have the right to opt out of binding arbitration within 30 days of first accepting these Terms by sending written notice to: [email protected] with the subject line “Arbitration Opt-Out.”

Small Claims Court Exception: Either party may bring a claim in small claims court if it qualifies.

9.3 Venue

Any legal action not subject to arbitration shall be brought exclusively in the federal or state courts located in Wilmington, Delaware. You waive any objections to venue in such courts.

9.4 Conflict Resolution

Before initiating any legal proceeding, parties agree to attempt to resolve any dispute amicably through direct negotiation for a minimum period of 30 days.

10. State-Specific Provisions

In compliance with state-specific legislation, we inform users the following:

10.1 California Residents

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:

If you have a question or complaint regarding the Site, please contact us at [email protected]. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs:

  • By mail: 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834
  • By telephone: (916) 445-1254 or (800) 952-5210

Your California Privacy Rights: California residents have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). Please see our Privacy Policy for details.

10.2 New York Residents

New York residents may contact the New York State Department of Financial Services for questions about financial products:

10.3 Texas Residents

Texas residents may contact the Office of Consumer Credit Commissioner with complaints about financial services:

10.4 Federal Trade Commission (FTC)

All U.S. consumers may file complaints with the Federal Trade Commission regarding unfair or deceptive practices:

10.5 Consumer Financial Protection Bureau (CFPB)

For questions about financial products and services, consumers may contact the CFPB:

10.6 Advertising and Content Disclosure

In compliance with the Federal Trade Commission (FTC) Act and FTC Guidelines (16 CFR Part 255):

  • All advertising content on our site is clearly identified as such
  • Advertising displayed is provided by third parties (Google AdSense) and subject to their own policies
  • Editorial content is independent of displayed advertisements
  • We maintain affiliate relationships with some financial institutions featured on the site
  • We do not engage in deceptive advertising or mislead consumers

10.7 Protection of Minors – COPPA Compliance

In compliance with the Children’s Online Privacy Protection Act (COPPA):

  • Our content is not directed to children under the age of 13
  • We do not knowingly collect personal information from children under 13
  • We do not encourage children to make purchases or contractual commitments
  • Minors should have parental or guardian supervision when browsing the internet

10.8 Warning About Financial Content

IMPORTANT FOR ALL U.S. USERS:

Content published on Fintrixio is exclusively informational and educational. It does not constitute financial, tax, or legal advice. Before making any financial decision, we recommend consulting with a certified professional or contacting institutions authorized by federal and state regulatory agencies.

Financial products and services mentioned on this site are subject to federal and state regulation. Always verify that financial institutions are properly licensed and regulated by appropriate authorities such as the FDIC, OCC, Federal Reserve, state banking departments, or other regulatory bodies.

11. General Provisions

11.1 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11.2 Waiver

Failure to exercise any right established in these Terms does not constitute a waiver of that right.

11.3 Entire Agreement

These Terms, together with our Privacy Policy, constitute the complete agreement between you and Fintrixio regarding the use of the site.

12. Contact Information

For any questions about these Terms and Conditions:

InformationDetail
CompanyIncred Growth Tech Ltda
Tax ID (CNPJ)48.059.155/0001-20
Email[email protected]
Contact Form[FORMS]

© 2026 Fintrixio – Incred Growth Tech Ltda. All rights reserved.

Important Notice: This document was prepared following best legal practices. It is recommended that a legal professional review this text to ensure full compliance with applicable legislation.