Terms of Use

1. Introduction

Acceptance of Terms

Welcome to Carreira Finance LLC's website and services. These Terms of Use govern your access to and use of our website and services. By accessing or using our website and services, you agree to be bound by these terms and conditions. Please read them carefully. If you do not agree with these terms, please do not use our website or services.

Modifications to Terms

We reserve the right to update or modify these Terms at any time. We will notify you of any changes by posting the new Terms on our website. Your continued use of the website or services after any such changes constitutes your acceptance of the new Terms.

2. General Website Terms

Use of the Website

Your access to and use of this website, as well as all related websites operated by Carreira Finance LLC – (which includes carreirafinance.com, among others) (collectively the "Site") is subject to the following terms and conditions ("Terms of Use") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Use and acknowledge that any other agreements between you and the Site are superseded and of no force or effect:

Intellectual Property

You agree that the Site itself, as well as all content, videos, training materials, products, services, and/or other materials made available on the Site by us or other third parties, as well as the look and feel of all of the foregoing, (collectively referred to as the "Content") are maintained for your personal use and information by Carreira Finance LLC, (the "Company") and are the property of the Company and/or its third-party providers. You agree that such Company Content shall include all proprietary videos, HTML/CSS, Javascript, graphics, voice, and sound recordings, artwork, photos, documents, and text as well as all other materials included in the Site, excluding only the materials you provide. Subject to your compliance with these Terms of Use, the Company hereby grants you a limited license, which is non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the Site solely for your personal purposes. No Company Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company. Modification of the Content or use of the Content for any other purpose is a violation of the copyright and other proprietary rights of the Company, as well as other authors who created the materials, and may be subject to monetary damages and penalties. You may not distribute, modify, transmit, or use the content of the Site or any Content, including any and all software, tools, graphics, and/or sound files, for public or commercial purposes without the express written permission of the Company.

Copyright and Trademarks

All Content, such as text, data, graphics files, videos, and sound files, and other materials contained in the Site, are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Use.

Trademark Use

All trade names, trademarks, and images and biographical information of people used in the Company Content and contained in the Site, are either the property of, or used with permission by, the Company. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Use. Any unauthorized use of Content may violate the copyright, trademark, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes. Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Trademark or other proprietary information without the express written consent of the Company or third-party owner. The Company respects the copyright, trademark, and all other intellectual property rights of others. The Company has the right, but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party’s intellectual property or these Terms of Use. If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on the Site or in any Content in any way, you may notify the Company at carreirafinance@gmail.com. Please provide your name and contact information, the nature of your work, and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.

Accuracy of Information

While the Company uses reasonable efforts to include accurate and up-to-date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability or responsibility for any errors or omissions in the content of the Site.

Communication and Consent

When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.


If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs, or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.


The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However, no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. Use of the Site is completely at your own risk.

Privacy Policy

The Company will not intentionally disclose any personally identifying information about you to third parties, except where the Company, in good faith, believes such disclosure is necessary to comply with the law or enforce these Terms of Use. By using the Site, you signify your acceptance of the Company’s Privacy Policy. If you do not agree with this Privacy Policy, in whole or part, please do not use this Site.

Disclaimers and Limitation of Liability

All Content on the Site is provided "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability or fitness for a particular purpose. The Company does not warrant or make any representations regarding the use of the materials in the Site, the results of the use of such materials, the suitability of such materials for any user’s needs, or the likelihood that their use will meet any user’s expectations, or their correctness, accuracy, reliability, or correction. The Company likewise does not warrant or make any representations or guarantees that you will earn any money using the Site or the Company’s technology or services. You accept all responsibility for evaluating your own earning potential as well as executing your own business and services. Your earning potential is entirely dependent on your own products, ideas, techniques; your execution of your business plan; the time you devote to the program, ideas, and techniques offered and utilized; as well as your finances, your knowledge, and your skill. Since these factors differ among all individuals, the Company cannot and does not warrant or make any representations or guarantees regarding your success or income level. The Company does not warrant that use of the materials will be uninterrupted or error-free, that defects will be corrected, or that this Site, the Content, and/or the materials available on this Site are free from bugs or viruses or other harmful components. You assume all responsibility for the cost of all necessary repairs or corrections. The Company shall not be responsible for any performance or service problems caused by any third-party website or third-party service provider (including, for example, your web service provider service, payment services, your software and/or any updates or upgrades to that software). Any such problem shall be governed solely by the agreement between you and that provider. Please note that the applicable law may not allow the exclusion of implied warranties, so the above exclusions may not apply to you. The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages of any kind resulting from the use of this site. The Company’s liability, if any, shall be limited to the total value of the services rendered.

3. Service-Specific Terms

Use of Services

By using our personal finance services, you agree to the following terms and conditions specific to these services.

Financial Advice

Our services provide educational content and financial information to help you make informed decisions. However, we do not guarantee that the service will accurately reflect your actual financial condition at any specific point in time. The financial information and advice provided by our services are intended for general informational purposes only and should not be considered as professional financial advice. You should consult with a qualified financial advisor before making any financial decisions.

User Accounts

To use our services, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. If you become aware of any unauthorized use of your account, you must notify us immediately.

Third-Party Services and Integrations

Our services include features that allow you to link your accounts with various financial institutions through Plaid, a third-party service provider. By linking your accounts, you grant us and Plaid permission to access and retrieve your financial information from these third-party institutions. You acknowledge and agree that:

In addition to Plaid, we use Stripe for payment processing when you make a payment to access our products or subscribe to our services. By making a payment through our website, you acknowledge and agree that:

Data Security

We take reasonable measures to protect your financial information, including the use of encryption and secure servers. However, we cannot guarantee its absolute security. You acknowledge that:

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations as to the accuracy, completeness, or timeliness of the information provided through our services. The financial information and advice offered are based on the data retrieved from your linked accounts and may not reflect real-time changes or other factors not accounted for in our analysis.


We reserve the right to terminate your account and access to the services at our discretion, without notice, if we believe you have violated these Terms or pose a threat to our service or users. Upon termination, your right to use the services will immediately cease, and we may delete your information and account data stored on our servers. We will not be liable to you or any third party for termination of your account or access to our services.

4. Dispute Resolution

Binding Arbitration

Any dispute arising out of or in connection with these Terms or the use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in San Diego County, California, and judgment on the arbitration award may be entered into any court having jurisdiction.

5. Contact Information

If you have any questions or concerns about these Terms, please contact us at carreirafinance@gmail.com.

Last Updated: May 2024