Terms of Use

Last updated: June 18, 2026

These Terms of Use (“Terms”) govern your access to and use of the One Cartao website located at https://onecartao.com, including its pages, quizzes, forms, content, advertisements, informational materials, and related online services.

One Cartao is operated by DM NETWORK MIDIA DIGITAL LTDA, located at Rua 20 de Setembro, 334, Sala 06, Centro, Piratini, RS, Brazil.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

Informational Purpose Only

One Cartao provides general educational and informational content about credit cards, card features, issuer terms, financial education, and related consumer topics.

Important: One Cartao is not a bank, lender, credit card issuer, broker, financial institution, or financial advisor. We do not provide financial, legal, tax, investment, or credit advice.

Nothing on this website should be interpreted as financial advice, a credit application, pre-approval, approval, a credit offer, or a guarantee of eligibility, credit limits, interest rates, fees, rewards, benefits, or product terms.

The information provided on this website is intended to help users review general educational information. It should not be treated as a personalized recommendation or as a substitute for reviewing official issuer disclosures.

No Credit Application or Approval Decision

The quizzes, forms, pages, and content on this website are informational only. Submitting a quiz or form on One Cartao does not create a credit application, does not request a credit decision, and does not establish a financial advisory, banking, lending, brokerage, or issuer relationship.

One Cartao does not process credit applications, determine eligibility, approve or deny financial products, set credit limits, determine interest rates, establish fees, or provide account terms.

Any approval, eligibility decision, credit limit, rate, fee, reward, benefit, or account term is determined only by the relevant financial institution, issuer, lender, or service provider according to its own criteria and disclosures.

No Guarantee of Approval, Eligibility, or Terms

Any quiz response, informational summary, article, advertisement, educational material, or linked content provided through this website is for general informational purposes only.

We do not guarantee that you will qualify for, be approved for, or receive any financial product, credit card, credit limit, interest rate, fee structure, reward, benefit, or specific term.

Card features, eligibility criteria, rates, fees, rewards, benefits, and terms may vary by issuer, product, applicant profile, location, and other factors. You should review official issuer terms and disclosures before making financial decisions.

Use of the Website

You agree to use this website only for lawful purposes and in accordance with these Terms.

You agree not to:

Use the website in any way that violates applicable laws or regulations;
Attempt to interfere with the website’s operation, security, or availability;
Use automated systems to scrape, copy, or collect website content without permission;
Submit false, misleading, fraudulent, unauthorized, or third-party information through any form or quiz;
Attempt to gain unauthorized access to any system, data, account, or network connected to the website;
Use the website to transmit malware, spam, harmful code, or abusive content;
Use the website in a way that could damage, disable, overburden, or impair its operation.

Quizzes, Forms, and User Submissions

Our website may include quizzes, forms, or interactive features. Your responses may be used to display, organize, or send general educational information based on the preferences you choose to provide.

Submitting a quiz or form does not create a credit application, does not create a financial advisory relationship, and does not guarantee approval, eligibility, credit, a specific offer, a specific issuer response, or any specific financial outcome.

You are responsible for ensuring that any information you provide is accurate and that you have the right to provide it.

We do not request sensitive banking passwords, full credit card numbers, online banking credentials, Social Security numbers, or other sensitive financial account credentials through our quiz forms.

Internal Systems and Website Operations

We may use internal systems, affiliated platforms, and service providers operated, managed, configured, or used by DM NETWORK MIDIA DIGITAL LTDA to support website operations, process quiz submissions, validate email addresses, prevent fraud or abuse, host information, analyze performance, measure advertising conversions, and deliver communications.

These systems support the operation of the website and do not make credit decisions, process credit applications, determine eligibility, approve or deny financial products, set credit limits, or provide personalized financial advice.

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, process, disclose, and protect information.

Third-Party Websites, Advertisements, and Informational Links

Our website may contain links to third-party websites, advertisements, sponsored content, affiliate links, or informational materials about third-party products and services.

Third-party websites, advertisements, and informational links are operated or controlled by independent parties. We do not control and are not responsible for their content, accuracy, availability, privacy practices, terms, eligibility requirements, approval decisions, products, services, or claims.

If you click a third-party link or interact with a third-party website, advertisement, or informational resource, you may be subject to that third party’s own terms, privacy policy, eligibility requirements, and processes.

The presence of a third-party link, advertisement, or informational reference does not mean that One Cartao endorses, guarantees, recommends, or approves any product, service, issuer, lender, bank, financial institution, or offer.

Advertising and Affiliate Disclosure

One Cartao may display advertisements, sponsored content, informational links, or affiliate links. We may receive compensation when users click certain links, visit third-party websites, submit forms, or take other qualifying actions where applicable.

Compensation may influence how and where certain links, advertisements, sponsored content, or informational materials appear on the website. However, compensation does not guarantee that any product is suitable for you and does not guarantee approval, eligibility, credit limits, rates, fees, rewards, benefits, or specific product terms.

For more information, please review our Affiliate Disclosure.

No Professional Advice

The information on this website is provided for general educational purposes only. You should not rely on it as financial, legal, tax, investment, credit, or professional advice.

Before considering, applying for, or using any financial product, you should carefully review the applicable issuer’s official terms, conditions, pricing, fees, rates, privacy policy, disclosures, and eligibility criteria. You may also wish to consult a qualified professional regarding your personal situation.

Accuracy of Information

We make reasonable efforts to provide useful and accurate information, but we do not guarantee that any content on the website is complete, current, accurate, or error-free.

Financial product information, including rates, fees, rewards, benefits, eligibility criteria, and terms, may change at any time and may differ from what is displayed or described on our website.

You should verify all information directly with the applicable issuer, financial institution, service provider, or official disclosure before making decisions.

Intellectual Property

All content on this website, including text, graphics, logos, design elements, layout, images, articles, pages, and other materials, is owned by or licensed to One Cartao or its content providers, unless otherwise stated.

You may access and use the website for personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, republish, sell, or exploit any website content without prior written permission, except as permitted by law.

Trademarks and Third-Party Names

Any third-party names, logos, brands, card networks, issuers, or product names that may appear on this website are the property of their respective owners.

The appearance of third-party names or marks does not imply endorsement, sponsorship, or official affiliation with One Cartao unless expressly stated.

Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, disclose, process, and protect information.

Disclaimer of Warranties

The website and its content are provided on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, One Cartao disclaims all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, and availability.

We do not warrant that the website will be uninterrupted, secure, error-free, free from viruses, or available at all times.

We do not warrant or guarantee any third-party product, service, advertisement, informational link, issuer decision, eligibility outcome, approval decision, credit limit, rate, fee, reward, benefit, or term.

Limitation of Liability

To the maximum extent permitted by applicable law, One Cartao, DM NETWORK MIDIA DIGITAL LTDA, and their owners, employees, contractors, partners, affiliated platforms, service providers, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of the website, reliance on content, interaction with third-party websites, or use of any product or service mentioned on the website.

This limitation applies even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless One Cartao, DM NETWORK MIDIA DIGITAL LTDA, and their owners, employees, contractors, partners, affiliated platforms, service providers, and representatives from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the website, your violation of these Terms, your violation of any law, or your infringement of any third-party rights.

Changes to the Website

We may modify, suspend, or discontinue any part of the website at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of the website or any content.

Changes to These Terms

We may update these Terms from time to time. When we do, we may update the “Last updated” date at the top of this page.

Your continued use of the website after changes are posted means you accept the updated Terms.

Termination or Restriction of Access

We reserve the right to restrict, suspend, or terminate access to the website or any part of it at any time if we believe you have violated these Terms, applicable law, the rights of others, or the security or integrity of the website.

Governing Law

These Terms are governed by the laws of Brazil, without regard to conflict of law principles. Your use of the website may also be subject to other local, state, national, or international laws, depending on your location.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, and Affiliate Disclosure, constitute the entire agreement between you and One Cartao regarding your use of the website.

Contact Us

If you have questions about these Terms of Use, contact us:

DM NETWORK MIDIA DIGITAL LTDA
Rua 20 de Setembro, 334, Sala 06, Centro, Piratini, RS, Brazil
Email: email@onecartao.com
Website: https://onecartao.com

One Cartao provides informational and educational content only. One Cartao is not a financial institution, bank, lender, card issuer, broker, or financial advisor. We do not guarantee approval, eligibility, credit limits, rates, fees, rewards, benefits, terms, or outcomes.