General Terms and Conditions of Use

A INDIETECH OR, an Estonian limited liability company (LLC, also known as OÜ), registered under VAT EE102204759 and headquartered in Tallinn, Rua Sepapaja 6, CEP 15551, Harju Estonia, is the creator, owner and maintainer of the website Mister Panda, whose domain it's lordpanda.com.

Senhor Panda is a website specialized in creating content related to financial education, information features and analysis of various products/services (credit card, loans, financing, types of investments, among others) offered by national and international financial institutions. .

Our General Terms and Conditions of Use are available to the user at any time, through the address:  https://senhorpanda.com/termos-de-uso.

The provisions of the Privacy Policy of the Senhor Panda website available at the address: https://senhorpanda.com/privacidade/, as well as the legislation in force.

Thus, the General Terms and Conditions of Use are intended to inform the responsibilities, duties and obligations of every User when accessing and/or using Mr. Panda's website, as described in the items below.

It is worth emphasizing that we do not interfere in any process involving the analysis and/or approval of the credit of our customers or partners, so that the final decision to carry out a business, grant credit or offer is always theirs, in accordance with the its own credit and risk criteria and policies.

1.1. The User, when accessing Mister Panda, AGREES to respect the General Terms and Conditions of Use and the Mr Panda's Privacy Policy.

1.2. By accessing and/or using Senhor Panda, the User declares to be at least 18 (eighteen) years old and to have full and express capacity to accept the terms and conditions of these Terms and Conditions of Use for all legal purposes.

1.3. If the User does not fit the description above and/or does not agree, even in part, with the terms and conditions contained in these Terms and Conditions of Use, he/she must not access and/or use the services offered by Mr. Panda, as well as the websites and services operated by it.

2.1. The User makes use of this service to solve all their doubts, solve any problems and submit complaints or other information about products/services available on Senhor Panda.

2.2. The "Contact" can be made through the form contained in https://senhorpanda.com/contato/

3.1. The User must carefully read all the clauses contained in this Term and Conditions of Use and in the Privacy Policy and by using the services and/or products made available on Senhor Panda, you fully agree with all the clauses and conditions of these Terms.

3.2 Mister Panda provides links and/or redirects the User to other sites, where the User can contract services and/or purchase products from the respective companies, without any kind of interference from Mister Panda.

3.3 If the User is redirected to the website of the company advertised on the site, the User must carefully read and expressly agree with the terms and conditions of use and with the privacy policy of the advertised company.

3.4 Mr. Panda is not responsible for: (a) the general terms and conditions of use and the privacy policy of the advertised companies; (b) about the information about the advertised services and/or products; (c) about the services and/or products eventually offered and/or hired by the advertised companies.

3.5 Mr. Panda is not responsible for any virus, malware, spyware, trojan or any software that may damage or change the settings of Users' equipment as a result of browsing or using the Internet or as a result of transferring data, texts, images, files or audios.

3.6 Users are fully responsible for keeping their equipment's operating system up-to-date and using antivirus programs.

3.7. Senhor Panda is not responsible for any loss or damage resulting from the irregular use of the Senhor Panda website and/or acts of God and/or force majeure.

3.8 Mister Panda does not send or request deposits or bank transfers for the granting or approval of any financial product.

3.9 Mister Panda does not send emails to Users requesting confirmation of data or registration with executable attachments (for example: .exe, .com, .scr, .zip, .rar extensions), nor links for downloading and if you receive one, please let us know through the website itself, using the Contact form found at https://senhorpanda.com/contact/.

3.10 Without prejudice to the other provisions of these Terms of Use, the User is obliged to:

(a) Not violate any rights of third parties when using Senhor Panda;

(b) Not to use Mister Panda for the purpose of surveilling or harassing third parties;

(c) Not to engage in fraudulent, illegal, dishonest or improper activities in the use of Mr. Panda's website; It is

(d) Respect the conditions established in these General Terms and Conditions of Use and in the Privacy Policy, as well as the current Brazilian legislation;

4.1. Mr. Panda's General Terms and Conditions of Use may be amended, supplemented or replaced at any time and for any reason, at Mr. Panda's sole discretion, without prior notice or notification to Users.

4.2 ANY PERSON WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH HAVE A MANDATORY AND BINDING CHARACTER, MUST REFRAIN FROM USING MR. PANDA'S WEBSITE.

5.1. These General Terms and Conditions of Use will remain in force for an indefinite period and any judicial or administrative claims arising from the use of Mr. Panda object of these General Terms of Use or the Privacy Policy must be proposed within 90 (ninety) days from the fact that you have them. provoked.

6.1. This Term and General Conditions of Use, must be read and interpreted together with the Privacy Policy, and both are governed by the laws in force in the Federative Republic of Brazil, mainly by the Federal Constitution, Civil Code, Consumer Protection Code, Law Civil Rights Framework for the Internet and the General Data Protection Law.

6.2. All matters concerning the interpretation, compliance or any other queries related to these Terms and the Privacy Policy, the parties expressly agree and waive any other focus and submit to the Chamber of Commerce of Tallinn, Estonia (The Arbitration Court of the Estonian Chamber of Commerce and Industry), to resolve any and all doubts or questions arising from these terms of use.