Disclaimer

Last Updated: March 10, 2026

BRcartão is a news and financial education portal maintained by SPUN MIDIA LTDA . Our goal is to provide informative content, comparative analyses, and educational guides about the financial market.

By accessing our portal, you acknowledge that all material published here is strictly educational in nature. We are not a financial institution and do not sell credit products or services.


1. WE DO NOT REQUEST PAYMENTS

The BRcartão card is 100% free. For your security, we reiterate that we NEVER engage in the following practices:

  • We do not request payments, deposits, or fees for issuing cards, loans, or any financial product.

  • We do not send payment slips or requests for transfers via Pix/TED.

  • We do not request sensitive information (such as bank passwords or security codes) via email, WhatsApp, or phone.

If you receive any contact on behalf of BRcartão requesting money or confidential information, disregard it and report it. It may be an attempted fraud by third parties.


2. INDEPENDENCE AND ABSENCE OF BANKING TIES

We operate as an independent media outlet. Therefore, it is essential to clarify that:

  • We do not approve credit: The analysis, granting, and setting of credit card or loan limits are the sole responsibility of our partner financial institutions.

  • We do not interfere with the Score: We do not have the tools to increase credit scores or influence bank decisions.

  • Institutional Autonomy: The approval rules and terms of use for each product are defined by their respective issuers, without any interference from our portal.


3. EDUCATIONAL CONTENT: DOES NOT CONSTITUTE CONSULTING SERVICES

Although our team conducts thorough and up-to-date analyses, the content of BRcartão should not be interpreted as:

  • Personalized financial or investment consulting;

  • Legal or accounting advice;

  • Guarantee of financial results or approval of proposals.

Recommendation: Before making any financial decisions, we suggest that you read the official contracts of the institutions and, if necessary, consult a professional financial planner.


4. Transparency Regarding Advertising and Affiliates

To keep our structure and content free for the public, we use the following monetization methods, but are not limited to them:

  • Automated Ads (Google Ads): We display personalized banners and ads based on your browsing interests.

  • Affiliate Links: In some analyses, we may include links that direct you to partner websites. If you order a product through these links, BRcartão may receive a commission from the financial institution.

  • Impartiality: The existence of commercial partnerships may influence the order in which some products are displayed, but it does not alter the accuracy of the rates and conditions reported, which are based on public data provided by the institutions themselves.


5. ACCURACY AND DATA UPDATES

The financial market is extremely dynamic. Institutions can change interest rates, annual fees, and benefits at any time and without prior notice.

  • We do our best to keep the information up-to-date, but we cannot guarantee that all data is 100% synchronized with real-time changes from the banks.

  • Your Responsibility: The reader must verify the official information on the financial institution’s website before finalizing any card or service request.


6. USER RESPONSIBILITY AND AGE RESTRICTION

By using the BRcartão card , you agree that:

  • You must be 18 years of age or older (minimum age required to use the portal);

  • The portal and its parent company are not responsible for any losses resulting from financial decisions made based on our articles.


7. CONTACT AND REPORT ABUSE

We value the ethics and safety of our readers. If you find incorrect information or attempted fraud using our brand, please report it immediately:

Contact Email: [email protected]

Data Protection Officer (DPO): [email protected]