Terms of Use – Finance Guide

Last updated: 4 March 2026

1. Acceptance of Terms

By accessing or using the GuiaFinanças website (“Website”), you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use and our Privacy Policy.

If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.

2. Website Operator

This Website is operated by:

G MATTUCCI EMPREENDIMENTOS ONLINE EIRELI
Business Registration: CNPJ 33750272000168
Location: São Paulo, Brazil

The operator is responsible for managing the Website and for the processing of personal data related to its operation.

3. Scope and Applicable Laws

These Terms apply to users accessing the Website from the United Kingdom and the United States.

The Website operates in compliance with applicable laws, including but not limited to:

United Kingdom: UK GDPR and the Data Protection Act 2018 ;
United States: applicable federal and state privacy laws, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) , where applicable.

4. User Responsibilities

Users agree to:

Provide accurate information where required;
Use the Website lawfully and ethically;
Not publish unlawful, harmful, defamatory, or infringing content;
Not interfere with the Website’s functionality or security;
Not attempt unauthorised access to restricted systems.

Violation of these rules may result in suspension, termination of access, or legal action.

5. Advertising, Cookies and Tracking Technologies

The Website uses advertising services such as Google Ad Manager and Google AdSense, which may process personal data through cookies and similar technologies.

For details on how Google processes information, see:

Google Privacy & Advertising Policies

Users in the United Kingdom are presented with a Consent Management Platform (CMP) in accordance with UK GDPR requirements.

Users in the United States may opt out of targeted advertising or the “sale” or “sharing” of personal information where applicable under state law.

6. Personal Data Processing

The Website may collect and process certain personal data such as device information, cookies, usage data, and information voluntarily provided by users.

Personal data is processed only for legitimate purposes related to operating the Website, improving services, ensuring security, and displaying relevant advertising.

Detailed information regarding what data is collected, the purposes of processing, and the retention period is available in our Privacy Policy.

7. US Privacy Rights (Where Applicable)

If you are a resident of certain U.S. states, including California, you may have the right to:

Request disclosure of personal information collected;
Request deletion of personal information;
Opt out of the sale or sharing of personal information;
Not be discriminated against for exercising privacy rights.

Requests may be submitted through the contact methods described in our Privacy Policy.

8. Intellectual Property

All Website content is protected under applicable copyright and intellectual property laws and international treaties, including the Berne Convention for the Protection of Literary and Artistic Works .

No content may be copied, reproduced, distributed, or commercially exploited without prior written consent.

9. Disclaimer and Limitation of Liability

The Website is provided on an “as is” and “as available” basis.

To the maximum extent permitted by applicable law, GuiaFinanças shall not be liable for:

Decisions made based on Website information;
Indirect, incidental, or consequential damages;
Third-party services or external links.

Nothing in these Terms excludes liability that cannot be excluded under applicable consumer protection law.

10. International Data Transfers

Where personal data is transferred internationally, appropriate safeguards are implemented in accordance with applicable data protection laws.

11. Termination

We reserve the right to suspend or terminate access to the Website if these Terms are violated.

Users may discontinue use at any time.

12. Dispute Resolution and Governing Law

Disputes will first be addressed through good-faith negotiations.

Users located in the United Kingdom are subject to the jurisdiction of the courts of England and Wales, unless mandatory consumer protection laws provide otherwise.

Users located in the United States are subject to applicable federal and state laws.

13. Amendments

We may update these Terms for legal, regulatory, or operational reasons.

Continued use of the Website after updates constitutes acceptance of the revised Terms.