Updated on 3/31/2024 – PLEASE READ CAREFULLY
Welcome to Carreira Finance, a comprehensive platform designed to provide you with advanced financial management tools. By accessing our service, you are agreeing to be legally bound by these Terms of Service (referred to as "Terms"), our Privacy Policy, and any other legal notices or conditions posted on our site. These Terms form an enforceable contract between you, the user, and Carreira Finance LLC. Our services are only available to individuals who are at least 18 years of age and possess the legal authority to form binding contracts under applicable law.
To enhance security and service quality, accounts on Carreira Finance are created directly by us, upon your subscription to our services. Once your account is established, you will receive your login credentials. It's vital to maintain the confidentiality of your account information. You are responsible for all activities under your account, so please inform us immediately of any unauthorized use or security breaches. To comply with financial laws like Anti-Money Laundering (AML) and Know Your Customer (KYC), we might need additional verification from you, such as proof of identity and residence.
Our services enable you to connect and view multiple financial accounts in one place, track your spending, and gain insights into your financial habits. We provide an aggregated view of your financial information sourced from various financial institutions. While we make every effort to ensure that this information is accurate and up to date, we rely on third parties for this data and therefore cannot guarantee its complete accuracy or immediacy. Our services are not intended to provide legal, tax, or financial advice. Moreover, our services may include links or integrations with third-party financial institutions or services. While we facilitate these connections, we do not control these third parties and are not responsible for their operations or data accuracy. We recommend that you review their terms and policies.
You are solely responsible for your conduct while using our services. This responsibility includes ensuring that all information you provide to us is accurate and up-to-date. You agree not to use our services for any unlawful purposes, such as fraud, money laundering, or other financial crimes. Additionally, you agree not to access or attempt to access any other user's account, or misrepresent or attempt to misrepresent your identity while using our services. You agree to indemnify and hold harmless Carreira Finance LLC against any claims, damages, or costs arising from your use of our services in violation of these Terms or applicable laws.
The privacy and security of your data are of paramount importance to us. We implement a variety of security measures designed to protect the security of any personal information provided to us. However, no digital platform can be completely secure, and we cannot guarantee absolute security. Our Privacy Policy provides detailed information about how we collect, use, manage, and protect your personal and financial information. Regarding data retention, we hold your personal and financial data as long as your account remains active and for a reasonable period thereafter, as necessary to comply with our legal obligations and resolve disputes.
All content and services provided on or through Carreira Finance, including but not limited to text, graphics, logos, images, and software, are the property of Carreira Finance LLC or its licensors and are protected by intellectual property laws. You agree not to copy, modify, create derivative works, reverse engineer, or otherwise exploit any content or services provided by Carreira Finance without express permission from us.
We may terminate or suspend your access to our services at any time, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the service will immediately cease. Additionally, we reserve the right to terminate or suspend your account after a prolonged period of inactivity. We will notify you before taking such action and provide you with the opportunity to access your account.
If you wish to cancel your account, you may do so at any time by discontinuing the use of our service. To cancel your subscription, please follow the cancellation procedures outlined in your account settings or contact our customer service team for assistance.
We adhere to a strict no-refund policy. Once a subscription fee is paid to Carreira Finance LLC, no refunds will be issued for any reason, including, but not limited to, dissatisfaction with our service, lack of usage, or any service interruptions. We encourage users to fully explore our services during any free trial period (if available) prior to subscribing.
Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on the chosen plan). It is the responsibility of the user to be aware of their billing cycle and to cancel their subscription if they do not wish to continue using our services. Cancellation requests should be made before the renewal date to avoid further charges.
Carreira Finance LLC reserves the right to modify this Termination, Refund, and Cancellation Policy at any time. Changes will take effect immediately upon posting on our website. Continued use of our services after such changes will constitute acceptance of the revised policy.
Our services are provided "as is" and "as available" without any warranties, including the warranty of merchantability, non-infringement, and fitness for a particular purpose. Carreira Finance LLC is not liable for any decisions made based on the information provided through our services. In no event shall Carreira Finance LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for indirect, incidental, special, consequential, or punitive damages arising from the use of, or inability to use, our services. Furthermore, we are not liable for any loss or damage arising from the unavailability of our service, including but not limited to service downtimes and maintenance periods. We will endeavor to inform you of any scheduled maintenance or service interruptions.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Changes in fees and charges related to the use of our services will also be communicated to you through the same channels, with sufficient prior notice.
These Terms shall be governed and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. In case of disputes, the process will be governed by an arbitration agreement. Disputes arising under these Terms will be resolved by binding arbitration in California, United States, and in accordance with its arbitration laws.
For any questions about these Terms, please contact us at carreirafinance@gmail.com. For any specific queries regarding our compliance with financial regulations, third-party integrations, or any other aspect of our service, please contact us using the provided details.