The website Happy Receitas has its primary purpose as the creation of content centered around financial education. Our materials are informative and analytical, covering a broad spectrum of products and services (such as credit cards, loans, financing, various types of investments, and more) offered by both national and international financial institutions.
Our Terms and Conditions of General Use are accessible to users at any time.
The provisions of Happy Receitas Privacy Policy, available at https://happyreceitas.com/privacy-policy/, in conjunction with the relevant legislation, collectively apply to these Terms and the usage of the website.
Hence, the Terms and Conditions of General Use are intended to inform users of their responsibilities, duties, and obligations when accessing and/or utilizing the Happy Receitas website, as described in the following sections.
It is important to note that we do not interfere in any processes involving the assessment and/or approval of credit for our customers or partners. Therefore, the ultimate decision to engage in a transaction, extend credit, or make an offer lies solely with them, in accordance with their individual credit and risk criteria and policies.
1.1. By accessing Happy Receitas, the user agrees to adhere to the Terms and Conditions of General Use and Happy Receitas Privacy Policy.
1.2. By accessing and/or using Happy Receitas, the user declares themselves to be at least 18 (eighteen) years old and to possess full and explicit capacity to accept the terms and conditions outlined in these Terms and Conditions of Use, for all legal purposes.
1.3. If the user does not meet the criteria mentioned above and/or does not agree, even partially, with the terms and conditions set forth in these Terms and Conditions of Use, they should refrain from accessing and/or using the services offered by Happy Receitas, as well as the websites and services operated by it.
2.1. Users have access to this service for addressing any inquiries, resolving issues, submitting complaints, or providing other information related to the products and services available on Happy Receitas.
2.2. “Contact” can be initiated through the form found at https://happyreceitas.com/contact/.
3.1. The User must carefully read all clauses contained in these Terms and Conditions of Use and in the Privacy Policy. By using the services and/or products provided on Happy Receitas, the User fully agrees with all the clauses and conditions of these Terms.
3.2. Happy Receitas provides links and/or redirects the User to other websites where the User may contract services and/or purchase products from the respective companies without any interference from Happy Receitas.
3.3. When redirected to the website page of the company advertised on the site, the User must read carefully and expressly agree to the terms and conditions of use and the privacy policy of the advertised company.
3.4. Happy Receitas has no responsibility for: (a) the general terms and conditions of use and privacy policy of the advertised companies; (b) the information about the advertised services and/or products; (c) the services and/or products potentially offered and/or contracted from the advertised companies.
3.5. Happy Receitas is not responsible for any viruses, malware, spyware, trojans, or any software that may damage or alter the settings of Users’ equipment as a result of internet browsing or use, or the transfer of data, texts, images, files, or audio.
3.6. Users are solely responsible for keeping their equipment’s operating system up to date and having antivirus programs.
3.7. Happy Receitas is not responsible for any losses and damages arising from the improper use of the Happy Receitas website and/or from force majeure or unforeseeable circumstances.
3.8. Happy Receitas does not send or request deposits or bank transfers for the approval of any financial product.
3.9. Happy Receitas does not send emails to Users requesting data confirmation or registration with executable attachments (e.g., .exe, .com, .scr, .zip, .rar extensions), nor links for downloading. If you receive one, please notify us through the website itself, using the Contact form located at https://happyreceitas.com/contact/.
3.10. Without prejudice to the other provisions of these Terms of Use, the User’s obligations include:
(a) Not violating any third-party rights when using Happy Receitas;
(b) Not using Happy Receitas for the purpose of monitoring or harassing third parties;
(c) Not engaging in fraudulent, illegal, dishonest, or improper activities when using the Happy Receitas website; and
(d) Respecting the conditions established in these General Terms and Conditions of Use and the Privacy Policy.
4.1. The General Terms and Conditions of Use of Happy Receitas may be altered, supplemented, or replaced at any time and for any reason, at the sole discretion of Happy Receitas, without prior notice or notification to Users.
4.2. ANY INDIVIDUAL WHO DOES NOT ACCEPT THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING, MUST REFRAIN FROM USING THE HAPPY RECEITAS WEBSITE.
5.1. These General Terms and Conditions of Use will remain in effect indefinitely, and any judicial or administrative claims arising from the use of Happy Receitas, subject to these General Terms of Use or the Privacy Policy, must be filed within 90 (ninety) days from the event that caused them.
6.1. These Terms and Conditions of Use should be read and interpreted in conjunction with the Privacy Policy, and both are governed by the laws in force in United States.
6.2. All matters related to the interpretation, compliance, or any other issues related to these Terms and the Privacy Policy, the parties expressly agree and waive any other jurisdiction, submitting themselves to the Forum of Belo Horizonte, where all doubts or issues arising from this term of use will be resolved.