Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website selectcreditus.com (“Select Creditus”, “we”, “us”, “our”) and any content, features, or services made available through the site.

By accessing or using the site, you agree to be bound by these Terms and by our Privacy and Cookie Policy.

If you do not agree, you must stop using the site.

Eligibility and General Conditions

The site is intended for individuals who are at least 18 years old or the age of majority in their jurisdiction.

By using the site, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.

You are responsible for ensuring that your use of the site complies with all laws, regulations, and rules that apply in your location.

If local law prohibits access to our content, you must not use the site.

Informational Nature of the Site

Select Creditus is a content publisher that provides educational and informational material about credit cards, financial products, and related topics.

The site is not a bank, credit card issuer, lender, financial institution, or financial advisor.

Nothing on the site should be considered financial, legal, tax, or investment advice.

All information is provided for general informational purposes only and may not reflect your personal situation.

Before making any financial decision, you should consult a qualified professional and review the official terms of the product or service.

No Participation in Credit Decisions

We do not analyze applications, approve or deny credit, open accounts, or make lending decisions.

Any application you submit for credit cards or other financial products is made directly with the relevant bank, issuer, or institution, and not with Select Creditus.

We do not guarantee that you will be approved for any product mentioned on the site.

We do not guarantee that any rate, limit, fee, or benefit shown will be available to you.

Offers and conditions are controlled by third parties and may change at any time without notice.

Content in Multiple Languages

Our site may present content in more than one language, including Portuguese and English.

Translations are provided for convenience only and may not always be perfectly aligned.

In case of differences between language versions, you should rely on the version that is clearly identified as prevailing.

You should also verify the original terms from the financial institution whenever possible.

User Responsibilities

You agree to use the site only for lawful purposes and in a manner that does not harm Select Creditus, our partners, or other users.

You must not attempt to interfere with the operation or security of the site.

You are responsible for evaluating the accuracy, completeness, and relevance of any content before relying on it.

You are also responsible for protecting your devices, connections, and credentials when interacting with our pages or forms.

Accounts, Newsletters and Communications

If we offer account registration, newsletter subscriptions, or similar features, you agree to provide accurate and up-to-date information.

You agree to keep this information current.

You must not use another person’s identity or contact details without permission.

You may receive e-mails or messages related to your interactions with the site, such as responses to inquiries or informational updates you requested.

You can unsubscribe from marketing communications at any time using the tools provided.

You may still receive essential notices relating to services you use, even after opting out of marketing messages.

Third-Party Links, Offers and Tools

Our content may include links, buttons, banners, comparison tables, or embedded tools that lead to third-party websites, apps, or services.

These external services are not operated or controlled by Select Creditus.

We are not responsible for the content, accuracy, practices, or policies of third-party sites and services.

When you leave our pages, the terms, conditions, and privacy practices of those external services apply.

We encourage you to read those documents carefully before submitting personal information or completing an application.

Affiliate Relationships and Advertising

Select Creditus may participate in affiliate programs, sponsorships, or other advertising arrangements.

When you click on certain links or sign up for products or services from our partners, we may receive compensation or other benefits.

Compensation may influence how offers are displayed, ordered, or highlighted on the site.

It does not change our commitment to provide clear and honest information.

We do not cover every product available in the market.

The site should not be considered a comprehensive comparison of all options.

Intellectual Property

Unless otherwise indicated, all text, graphics, logos, icons, images, audio, video, code, and other materials on the site are protected by copyright, trademark, or other intellectual property laws.

These materials are owned or licensed by Select Creditus.

You may view, share, and print content for your personal, non-commercial use, provided you do not modify materials.

You must not remove any notices of ownership when you share or print content.

Any other use, including reproduction for commercial purposes, distribution, derivative works, or public display, requires our prior written permission or the permission of the relevant rights holder.

Prohibited Uses

You agree not to use the site to engage in any unlawful, abusive, or harmful activity.

Examples of prohibited behavior include transmitting malware, attempting to gain unauthorized access, scraping data in violation of applicable laws, or using automated tools to overload our infrastructure.

You must not impersonate others, misrepresent your affiliation, or submit content that is defamatory, discriminatory, fraudulent, or otherwise inappropriate.

We reserve the right to take reasonable steps to protect the site and our users from such conduct.

Disclaimers

The site and all content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, and availability.

We do not promise that the site will be uninterrupted, secure, or free of errors, viruses, or other harmful components.

We do not promise that any defects will be corrected.

You use the site at your own risk.

Limitation of Liability

To the maximum extent allowed by applicable law, Select Creditus and our directors, employees, partners, and service providers shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of the site or reliance on any content.

Our total liability for any claim related to the site, whether in contract, tort, or otherwise, shall not exceed the amount, if any, you paid to use the site during the six months preceding the event giving rise to the claim.

If applicable law sets a lower mandatory limit, that limit will apply.

Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Select Creditus and our affiliates, officers, employees, and agents from and against any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the site.

You also agree to indemnify us for claims arising from your violation of these Terms.

You also agree to indemnify us for claims arising from your infringement of any rights of another person or entity.

International Use

Our content may reference products or services that are not available in all countries or regions.

Some products or services may be subject to different rules depending on jurisdiction.

You are responsible for checking whether a product, offer, or recommendation is valid where you live.

You are also responsible for complying with all local requirements before applying or signing any agreement with a third party.

Changes to the Site and to These Terms

We may update, modify, or discontinue any part of the site at any time, with or without notice.

We may also revise these Terms periodically.

The “Last updated” date at the top of this page shows when the most recent changes took place.

When updates are material, we will highlight them on this page or provide additional notice where required by law.

By continuing to use the site after changes become effective, you accept the revised Terms.

If you do not agree with the changes, you should stop using the site.

Termination

We may suspend or restrict access to the site, or to specific features, at any time and for any reasonable reason, including suspected misuse, technical issues, or legal requirements.

We are not obligated to provide prior notice or a detailed reason in every case.

We will, however, act in good faith and in accordance with applicable law.

You may stop using the site at any time.

Sections that by their nature should survive termination, including intellectual property, disclaimers, limitation of liability, and dispute-related provisions, will remain in effect.

Governing Law and Dispute Resolution

These Terms and any dispute arising out of or related to your use of the site shall be governed by the laws of the country or state where our main operations are located, without regard to conflict-of-law principles.

If local consumer protection rules require a different law, that law will apply.

Any dispute that cannot be resolved informally may be brought before the competent courts of that jurisdiction.

Mandatory law may grant you the right to file actions in the courts of your residence, and nothing in these Terms overrides that right.

Nothing in these Terms limits rights that cannot be waived under applicable law.

Contact

If you have questions about these Terms of Use, wish to report a problem, or need further information about how the site works, please contact us through the Contact page on selectcreditus.com.

Please mention “Terms of Use” in your message so we can route it correctly.

You may also consult our Privacy and Cookie Policy and About page for additional information about how we handle data and how our editorial process works.