General Terms and Conditions of Use

Terms of Use – Senhor Panda

Updated on November 23, 2023.

INDIETECH OÜ, an Estonian limited liability company (LLC, also known as OÜ), registered under VAT EE102204759 and with its registered office in Tallinn, at 6 Sepapaja Street, CEP 15551, Harju Estonia, is the creator, owner and maintainer of the Senhor Panda website , whose domain is

References to 'we', 'us' and 'our' in this document explicitly indicate Mr Panda. By using our services, you agree to comply with and be bound by the terms, conditions and policies set forth herein.

Senhor Panda is a space dedicated to the production of content on financial education, offering informative analyzes of various products/services from national and international financial institutions.

Use of the website is subject not only to these Terms, but also to Senhor Panda's Privacy Policy, available at , and complies with current laws.

Please read our Terms of Use carefully and, if you disagree with the provisions, avoid using our services.

Section I – Admission

1.1 When using Senhor Panda, the user undertakes to respect the General Terms and Conditions of Use, as well as the associated Privacy Policy.

1.2 By accessing and/or using Senhor Panda, the user declares to be at least 18 years old, has full legal capacity and expressly agrees with these Terms in all their legal implications.

1.3 If you do not meet these criteria or disagree with these provisions, you are advised to refrain from accessing and/or using the services offered by Senhor Panda, as well as the websites and services managed by him.

Section II – Contact

2.1 We are available to assist the user, resolve any problems and provide information about the products/services available on Senhor Panda.

2.2 To get in touch, the user can do so through the Senhor Panda website, accessing

Section III – Responsibilities of the Parties

3.1 Senhor Panda users must read, understand and accept the website's terms of use and privacy policy.

32. Senhor Panda provides links to third party websites, but is not responsible for the policies, terms of use, information or transactions carried out on these websites.

3.3 Senhor Panda is not responsible for damages caused by viruses or malware, inappropriate use of the website or force majeure events.

3.4 Senhor Panda does not request deposits or bank transfers for approval or granting of financial products.

3.5 Senhor Panda does not send emails requesting personal or registration information, nor executable attachments or download links.

3.6 If you receive communications of this nature, please inform us using the contact form available at

Section IV – Conditions of Use and Restrictions

Use of the site is prohibited for illegal purposes, copyright infringements, harassment, dissemination of false information, propagation of viruses, collection of personal data without consent, spam, obscene or immoral activities, and interference with security measures.

In case of violation, the user may have access to the website terminated or suspended.

Section V – Limitations of Liability and Warranties

The Mr Panda Service is provided “as is” with no guarantees of continuity, security or accuracy. Access to the Service may be interrupted or terminated at any time without notice. Senhor Panda is not responsible for any damages arising from the use of the Service, including:

  • Loss of profits
  • Data loss
  • Other intangible losses, such as damage to reputation or image

In some countries, the law does not allow companies to exempt themselves from liability for indirect or unforeseen damages. In such cases, our liability will be limited to the maximum extent permitted by local law.

Section VI – Validity and Deadline

All legal or administrative actions linked to the use of Senhor Panda, as outlined in these General Terms of Use or in the Privacy Policy, must be initiated within a maximum period of 90 days. These General Terms and Conditions of Use are valid for an indefinite period.

Section VII – Legislation and Election Forum

7.1 The terms of service and the privacy policy must be interpreted together. Both are governed by Brazilian legislation, including the Federal Constitution, the Civil Code, the Consumer Protection Code, the General Internet Civil Rights Law and the General Data Protection Law.

7.2. In case of disagreements in the interpretation or compliance with the terms of service and the privacy policy, the parties agree to submit to the exclusive jurisdiction of the Chamber of Commerce of Tallinn, Estonia.

Section VIII – Content and Intellectual Property

8.1. Content and Intellectual Property

The content present on the Senhor Panda portal, which is the property of INDIETECH OÜ and its partners, is protected by copyright and intellectual property regulations. Any reproduction, modification, distribution, exhibition or creation of derivative works from this content is expressly prohibited without the prior written authorization of INDIETECH OÜ.

8.2 Responsibility

We assume no responsibility for content generated by third parties. This includes comments and posts on forums or social media. We are also exempt from any liability for damages resulting from the use of the website, whether direct, indirect, incidental or consequential.

8.3 Violations

We reserve the right to remove content that violates these terms, especially content that is considered illegal, offensive, defamatory or that infringes the rights of third parties. INDIETECH OÜ also reserves the right to terminate the accounts of users who do not comply with these terms.

Section IX – Modification of Terms and Conditions

Senhor Panda may change, suspend or terminate any service at any time without notice. These changes do not generate any obligation for Senhor Panda.

By using the Senhor Panda website, you agree to the terms and conditions of use. If you do not agree to these terms, you must not use the website.

Section X – Contact Information

If you have questions or suggestions about our services, please contact our customer service team. You can send your message using the form available at We are always ready to help.