Terms of Use – Zienic

Last updated: January 6, 2026.

Welcome to MONEY NEWS. By accessing, browsing, or using this Website, you agree to these Terms of Use (“Terms”). If you do not agree with any part of these Terms, you should not use the Website.

This Website provides informational and content-related material focused on news, finance, economy, credit, consumer topics, and general informational content. The content may include interpretations, editorial opinions, summaries, and references to third-party platforms, services, or products.

Definitions

For the purposes of these Terms:

“Website” refers to the MONEY NEWS domain and all its pages, features, and content.
“User” refers to any individual who accesses, browses, or uses the Website.
“Content” refers to all texts, articles, images, graphics, videos, comments, layouts, visual elements, and other materials published or made available on the Website.
“We”, “Us”, or “Our” refer to the entity responsible for the Website, FEM GLOBAL.

Acceptance of the Terms and Updates

By using the Website, you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy.

We reserve the right to update, modify, or replace these Terms at any time, without prior notice, to reflect legal, regulatory, editorial, operational, or technological changes. The most current version will always be available on this page, with the updated date indicated.

Continued use of the Website after changes are published constitutes acceptance of the revised Terms.

Purpose of the Website and Nature of the Content

All content published on this Website is provided for informational purposes only.

Although we strive to use reliable sources and responsible editorial practices, the content may include summaries, opinions, interpretations, estimates, and subjective analysis related to financial topics, credit products, services, news, or third-party platforms.

The Website does not guarantee accuracy, completeness, timeliness, or suitability of the content for any specific purpose or expectation.

No Professional, Legal, or Official Advice

The Website does not provide professional, legal, financial, investment, commercial, or official advice of any kind.

The Website is not affiliated with, endorsed by, or representative of any bank, financial institution, credit card issuer, government agency, or service provider unless explicitly stated.

Information regarding products, offers, limits, conditions, availability, or regulations may change at any time and should not be considered official or guaranteed. Users are encouraged to verify information directly with official sources.

User Responsibility and Assumption of Risk

By using the Website, the User acknowledges and agrees that:

Financial products, offers, and conditions may change without notice.
Editorial opinions and interpretations are subjective by nature.
Any decisions made based on the Website’s content are made at the User’s own discretion and risk.

The Website shall not be responsible for losses, dissatisfaction, misunderstandings, unmet expectations, financial decisions, or reliance on outdated or incorrect information.

Monetization, Advertising, and Affiliate Links

The Website may be monetized through advertising and affiliate programs, including but not limited to Google AdSense and affiliate links.

This means we may receive compensation when Users view or interact with advertisements, click on affiliate links, or make purchases or applications through such links.

Affiliate commissions do not result in additional costs to the User.

Advertising partners and affiliates do not influence editorial content unless explicitly stated. We strive to maintain editorial independence, transparency, and usefulness of content regardless of monetization.

Sponsored Content and Transparency

When content is sponsored, paid, or created in partnership with advertisers, it will be clearly identified whenever applicable.

Users acknowledge that reviews, rankings, recommendations, and opinions published on the Website may be subjective and based on editorial judgment.

All original content published on the Website, including text, layout, design, visual identity, graphics, and editorial materials, is protected by copyright and intellectual property laws.

Users may not copy, reproduce, distribute, modify, publish, sell, or reuse any Website content without prior written authorization, except as permitted by law.

8.1 Quotation and Fair Use

Short quotations are permitted provided they include proper credit to the Website, contain a direct link to the original page, and do not reproduce substantial or complete portions of the content.

Permitted Use and Prohibited Conduct

Users agree to use the Website in a lawful, ethical, and respectful manner.

Prohibited activities include, but are not limited to: exploiting vulnerabilities, performing attacks, engaging in illegal, fraudulent, or abusive activities, uploading malicious code, viruses, spam, or automated scripts, scraping or copying content without authorization, attempting to breach Website security, or posting misleading, offensive, hateful, or discriminatory content where interaction is available.

Comments and User-Generated Content (If Applicable)

If the Website allows comments or user-generated content, Users are solely responsible for what they post.

We reserve the right, but not the obligation, to moderate, edit, remove, or restrict access to content or Users that violate these Terms, applicable laws, or community standards.

Repeated violations, abuse, or spam may result in suspension or permanent restriction of access.

External Links and Third-Party Services

The Website may contain links to third-party websites, platforms, or services.

We do not control and are not responsible for third-party content, availability, products, services, policies, or practices. Any interaction with third-party websites is at the User’s own risk.

Users are encouraged to review the terms and privacy policies of external websites before using them.

Website Availability and Disclaimer of Warranties

The Website may be temporarily unavailable due to maintenance, updates, technical issues, or external service disruptions.

The Website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.

Limitation of Liability

To the fullest extent permitted by applicable law, the Website and its responsible entity shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including loss of data, revenue, reputation, or opportunities, arising from the use of or inability to use the Website, reliance on content, technical failures, interruptions, or use of third-party links or services.

Privacy and Cookies

Use of the Website is also governed by our Privacy Policy, which explains how personal data, cookies, advertising technologies, and analytics tools may be collected and processed.

By using the Website, you acknowledge that you have read and understood the Privacy Policy.

Termination and Access Restriction

We reserve the right to suspend, restrict, or terminate access to the Website or its features at any time, without prior notice, in cases of violation of these Terms, illegal or abusive behavior, fraud, or attempts to compromise security.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil.

Any disputes arising from or related to these Terms shall be resolved in the courts of São Paulo, State of São Paulo, Brazil, unless otherwise required by applicable consumer protection or data protection laws.

Contact

If you have any questions regarding these Terms of Use, please contact us at [email protected].