Last Updated: February 12, 2026
Welcome to Cliquet. By accessing or using our platform, you agree to comply with these Terms of Service (“Terms”), our Privacy Policy, and our Cookies Policy, as well as all applicable laws and regulations.
If you do not agree with any part of these Terms, you must discontinue use of the platform immediately. Continued use after updates are posted constitutes acceptance of the revised Terms.
1. Acceptance of Terms
By using the Cliquet platform, you represent and warrant that:
- You are at least 18 years old or of legal age in your jurisdiction;
- You have the legal capacity to enter into binding agreements;
- You agree to be bound by these Terms and applicable laws.
Cliquet reserves the right to update or modify these Terms at any time.
2. Description of Services
Cliquet provides educational and informational content related to:
- Financial literacy
- Economics
- Investments
- Credit products
- Digital financial tools
All content is provided strictly for informational and educational purposes only and does not constitute:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
Users are solely responsible for their decisions. We strongly recommend consulting licensed professionals before making financial commitments.
Financial markets involve risks, including possible loss of capital.
3. User Responsibilities
Users agree to use the platform lawfully, ethically, and responsibly.
The following activities are strictly prohibited:
- Engaging in unlawful, fraudulent, or harmful conduct;
- Uploading or transmitting malware, viruses, or malicious code;
- Attempting unauthorized access to systems or data;
- Disrupting or interfering with platform functionality;
- Scraping, reverse engineering, or automated data extraction.
Violations may result in suspension, restriction, or permanent termination of access.
4. Intellectual Property Rights
All content available on Cliquet — including text, graphics, images, logos, design, layout, videos, and software — is the property of Cliquet or its licensors and protected by copyright and intellectual property laws.
You may not copy, reproduce, distribute, modify, publish, or commercially exploit any content without prior written authorization, except where permitted by law.
Limited personal, non-commercial use is allowed.
5. Advertising & Affiliate Disclosure
Cliquet may display:
- Google AdSense advertisements
- Sponsored content
- Affiliate links
We may receive compensation from advertising or affiliate partnerships.
Such relationships do not influence our editorial independence.
Google Privacy Policy:
https://policies.google.com/privacy
Google Ads Technologies:
https://policies.google.com/technologies/ads
6. Disclaimer of Liability
The platform is provided “as is” and “as available” without warranties of any kind.
Cliquet does not guarantee:
- Accuracy or completeness of content;
- Continuous or error-free operation;
- Timeliness of information.
To the fullest extent permitted by law, Cliquet disclaims liability for:
- Financial losses resulting from reliance on content;
- Errors, omissions, or outdated information;
- Technical failures, interruptions, or cybersecurity incidents;
- Indirect, incidental, or consequential damages.
Use of the platform is at your own risk.
7. Third-Party Links
Cliquet may include links to third-party websites for informational purposes.
We are not responsible for:
- External content;
- Third-party privacy practices;
- Accuracy or reliability of external services.
Users should review third-party policies independently.
8. Data Protection
Personal data is processed in accordance with:
- Brazilian LGPD (Law No. 13.709/2018);
- GDPR (EU 2016/679);
- CCPA/CPRA (California), where applicable.
For full details, please review our Privacy Policy.
9. Account Termination
While registration is not currently required, Cliquet reserves the right to:
- Restrict access;
- Suspend services;
- Terminate usage
if users violate these Terms or create operational, legal, or security risks.
Users may request cancellation of access (if applicable) through our official support channel.
10. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.
Any disputes shall be subject to the jurisdiction of the courts located in Delaware, unless mandatory consumer protection laws in your jurisdiction provide otherwise.
Nothing in these Terms limits statutory consumer rights.
11. Dispute Resolution
Before initiating legal proceedings, users agree to attempt informal resolution by contacting Cliquet.
Where permitted by law, disputes may be resolved through alternative dispute resolution mechanisms.
12. Contact Information
If you have questions regarding these Terms of Service, please contact us via: