Terms of Use

These Terms of Use explain how you may access and use the ExpertCardCA.com website and its content in a lawful, secure and responsible way.

By accessing or using ExpertCardCA.com (the “Site”), you acknowledge that you have read, understood and agree to be bound by these Terms of Use (the “Terms”). If you do not agree with these Terms, you must not use the Site.

Last updated: 12/12/2025

Who We Are (ExpertCardCA)

We are ExpertCardCA.com, an independent informational website focused on personal budgeting and everyday financial decisions, primarily for readers located in the United States.

The Site is owned and operated by GTECK LTDA, a Brazilian company registered under CNPJ 28.505.046/0001-81, with its registered address at R Adelino Cardana, 293, Bethaville I/Centro, Barueri, São Paulo, Brazil.

Our mission is to provide accessible, free content about personal finance, with a particular emphasis on personal budgeting, money-saving tips, frugal living and smart shopping guides.

Scope and Object of These Terms

These Terms govern your use of:

our main website ExpertCardCA.com and any subdomains;
our digital content, including texts, graphics, comparisons, guides and other informational materials;
any newsletters or informational materials that we may make available from time to time.

These Terms apply to all visitors and users of the Site, regardless of their location or the device used to access it.

These Terms coexist with and are complemented by our Privacy & Cookie Policy and any other specific policies or agreements that may apply to certain features, services or campaigns published on the Site.

Permitted and Prohibited Use

By using the Site, you agree that you will:

comply with all applicable laws and regulations;
respect intellectual property and other proprietary rights;
use the Site only for personal, non-commercial and informational purposes;
provide accurate information if you submit forms or contact us through the Site;
use the Site in a way that does not damage, overload or impair our systems or interfere with other users’ access.

You agree that you will not:

use the Site to publish, transmit or distribute any unlawful, offensive, defamatory, discriminatory, hateful or harmful content, or content that infringes the rights of third parties;
copy, reproduce, redistribute, sell, resell, modify or exploit our content for commercial purposes without our prior written authorization;
attempt to gain unauthorized access to our systems or networks, including by hacking, password mining or any other illegitimate means;
perform reverse engineering, attempt to circumvent security or authentication measures, or probe the vulnerability of the Site or any system connected to it;
use automated tools, bots, scrapers, crawlers or similar technologies to systematically access, extract, copy or index our content or data, except as allowed by a written agreement or applicable law;
send spam, fraudulent messages, misleading communications, phishing attempts or other abusive activities through or in connection with the Site;
impersonate any person or entity, or misrepresent your affiliation with any person or entity.

We reserve the right, at our sole discretion, to restrict, suspend or terminate access to the Site, or to remove content, if we believe that a user has violated these Terms or any applicable law.

Website Content and Intellectual Property

Unless otherwise noted, all content published on the Site, including but not limited to texts, articles, images, graphics, logos, icons, layout, design elements and source code, is protected by intellectual property laws and belongs to us or to our licensors and partners.

You are granted a limited, non-exclusive, non-transferable and revocable license to access and use the Site and its content solely for personal, non-commercial and informational purposes.

You may not, without our prior written consent:

copy, reproduce, modify, adapt, translate or create derivative works based on our content, except where expressly allowed by law;
distribute, transmit, sell, resell, license, rent, lease, publicly display or perform our content;
use our trade names, trademarks, logos or other distinctive signs in a way that may cause confusion or imply endorsement, sponsorship or affiliation where none exists.

All trademarks, trade names, logos, service marks and other distinctive signs displayed on the Site are the property of ExpertCardCA.com, GTECK LTDA or our partners, and may not be used without prior written authorization, except as permitted by applicable law.

User-Generated Content

If we make available comment sections, feedback forms, reviews, contact forms or any other interactive areas where users can submit content (“User-Generated Content”), you are solely responsible for any content that you submit, post or transmit through the Site.

By submitting User-Generated Content, you represent and warrant that:

you have all necessary rights, licenses and permissions to submit such content;
your content does not violate any applicable law or regulation;
your content does not infringe the rights of third parties, including intellectual property, privacy or personality rights;
your content is not unlawful, offensive, defamatory, discriminatory, hateful, obscene or otherwise inappropriate.

By submitting User-Generated Content, you grant us a non-exclusive, worldwide, royalty-free, transferable and sublicensable license to host, store, reproduce, display, adapt, moderate, translate and otherwise use such content in connection with the operation, promotion and improvement of the Site, in accordance with applicable law.

We reserve the right, but not the obligation, to monitor, review, remove or block any User-Generated Content that we consider, in our sole discretion, to be in violation of these Terms or the law.

Advertising, Affiliate Links and Future Paid Services

At the time of publication, the Site is focused on providing free informational content and does not sell its own financial products or paid services directly.

However, the Site may display advertising, sponsored content or promotional placements provided by third-party advertising networks or partners. Such advertising may be based on contextual information or on data processed according to our Privacy & Cookie Policy.

The Site may also include affiliate links, meaning we may receive a commission or other benefit if you click on certain links or complete an action (such as a purchase, application or registration) with a third-party provider. This does not result in additional cost to you and does not alter the information we present, which is produced with an informational and editorial focus.

Any future paid services, subscriptions or products that we may offer will be clearly described on the relevant pages, including:

pricing and payment conditions;
applicable taxes, if any;
cancellation and refund policies, if applicable;
any specific contractual terms that complement these Terms.

Specific terms and conditions applicable to such paid services will prevail over these Terms in case of any direct conflict, but only with respect to that particular service.

External Links and Third-Party Services

The Site may contain links, banners or references to third-party websites, products, services or content. These links are provided for informational and convenience purposes only.

We do not control and are not responsible for the content, accuracy, practices, policies, availability or security of third-party websites or services. The presence of a link on our Site does not imply endorsement, sponsorship, recommendation or affiliation with the corresponding third party.

Any interaction you have with third-party websites, services or products is solely between you and the third party, and may be governed by separate terms and privacy policies. We strongly recommend that you read the terms of use and privacy policies of any third-party sites or services before using them.

Financial Content and No Professional Advice

The Site focuses on personal finance topics such as budgeting, saving money, frugal living and smart shopping. All content is provided for general informational and educational purposes only.

We are not a bank, financial institution, credit card issuer, investment advisor, tax advisor, legal advisor or any type of professional financial services provider. We do not intermediate, approve or guarantee the granting of credit, cards, loans or other financial products.

Nothing on the Site should be interpreted as personalized financial, investment, tax, legal or professional advice. Any decisions regarding your finances, credit, savings, investments, purchases or other matters should be made based on your own evaluation, and, when appropriate, with the support of qualified professionals.

We encourage you to:

consult official information directly from banks, card issuers, financial institutions and government agencies;
seek independent advice from licensed financial, tax or legal professionals before making important decisions;
carefully read the terms, conditions and fees associated with any product or service offered by third parties.

You are solely responsible for your use of the information available on the Site and for any decisions or actions you take based on that information.

Disclaimers and Limitation of Liability

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 maximum extent permitted by law.

Without limiting the foregoing, we do not warrant that:

the Site will be available on an uninterrupted, timely, secure or error-free basis;
the content will always be accurate, complete, current or free from typographical or technical errors;
defects or errors will be corrected promptly;
the Site will be free from viruses, malware or other harmful components, although we adopt reasonable technical and organizational measures to protect our systems.

To the maximum extent permitted by applicable law, we disclaim all liability for:

any direct, indirect, incidental, consequential, special or punitive damages arising from or related to your use or inability to use the Site;
loss of profits, revenues, savings, data, business opportunities or goodwill;
decisions or actions taken by you based on information obtained from the Site;
any interactions you have with third-party websites, products or services linked from the Site.

Where the exclusion or limitation of liability is not allowed by applicable law, our liability will be limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend and hold harmless ExpertCardCA.com, GTECK LTDA, its directors, officers, employees, contractors, partners and agents from and against any and all claims, losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or related to:

your use or misuse of the Site or its content;
your violation of these Terms;
your violation of any law or the rights of any third party;
any content or information you submit or transmit through the Site.

Privacy, Cookies and Data Protection

The processing of personal data, including the use of cookies and analytics tools (such as Google Analytics, Microsoft Clarity or similar), is governed by our Privacy & Cookie Policy.

Our Privacy & Cookie Policy explains in clear terms what data we collect, how and why we use it, the legal bases for processing, how we share data with third parties and the rights you may have over your personal data.

You can access our Privacy & Cookie Policy at: Privacy & Cookie Policy (or any updated URL we may publish in the future).

By using the Site, you acknowledge that you have read and understood our Privacy & Cookie Policy and that you agree to the processing of your data as described therein.

Suspension, Termination and Service Changes

We reserve the right, at any time and at our sole discretion, to modify, suspend or discontinue all or any part of the Site, temporarily or permanently, for technical, operational, legal or business reasons.

We may also restrict, suspend or terminate your access to the Site if we reasonably believe that you have violated these Terms, any applicable law or any other policy referenced herein.

Whenever reasonably possible, we will try to provide prior notice of significant changes or interruptions to the Site, for example through notices posted on the homepage or on relevant pages.

Children and Age Restrictions

The Site is not directed to children under the age of 13, and we do not knowingly collect personal data from children under 13 years of age.

If you are under 13, you should not use the Site or submit any personal information through it. If we become aware that we have collected personal data from a child under 13, we will take reasonable steps to delete such data, in accordance with applicable law.

If you are between 13 and 18 years of age, you should use the Site only with the consent and supervision of a parent or legal guardian, and they will be responsible for your use of the Site.

Changes to These Terms

We may update or revise these Terms from time to time to reflect changes in our services, in applicable laws or in our operational needs.

When we make changes, we will update the “Last updated” date at the top of this page and, when appropriate, we may display a notice on the Site to highlight material changes.

Your continued use of the Site after the posting of updated Terms will constitute your acceptance of the revised Terms. If you do not agree with the updated Terms, you must stop using the Site.

Governing Law and Jurisdiction

These Terms and any dispute arising out of or related to them or to your use of the Site shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, without regard to its conflict of law principles.

Any legal action or proceeding arising out of or relating to these Terms or the use of the Site shall be brought exclusively before the courts of the Comarca of Barueri, State of São Paulo, Brazil, except where another jurisdiction is required by mandatory law.

Contact

If you have any questions, requests or concerns about these Terms or about the Site, you can contact us through the official contact channels indicated on the Site.

You may use our contact form at: Contact, or any updated URL that we may publish for this purpose.

Legal Notice

These Terms are provided for general informational purposes regarding the use of the Site and do not constitute legal advice.

We recommend that you seek professional legal advice if you need assistance interpreting or adapting these Terms to specific legal requirements or to your individual situation.