1. Acceptance of the Terms of Use

By using our websites, you fully and unreservedly accept these Terms of Use. Therefore, reading this document carefully is essential.

This instrument regulates the use of the infomais.club portal ([https://infomais.club/](https://infomais.club/)) and all services and informational content offered therein, jointly operated by affiliated entities within the same corporate group: LEAPMEDIA LLC (International Corporate & Advertising Management – EIN: 99-3181110, headquartered at 5550 Glades Rd, Suite 512, Boca Raton, FL 33431, USA) and JR MIDIA DIGITAL LTDA (Editorial & Technical Operations in Brazil – CNPJ: 44.211.659/0001-62, headquartered at Rua 20 de Setembro, 334, Piratini – RS, CEP: 96490-000, Brazil). Using our platforms also subjects the user to all other terms, regulations, policies, and notices made publicly available, as well as periodic updates to these documents.

2. Access Conditions

The websites jointly operated by LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA are available free of charge to all users. Our pages may contain informational links, editorial reviews, or advertisements redirecting to services and products from third-party institutions. Any fees or charges for contracting external services will be billed directly by the respective financial or commercial institution, never by us.

To properly utilize contact forms or newsletter subscriptions, the user may provide personal data. The user declares that all information submitted is true and correct, and is fully aware that they are legally responsible for providing false or inaccurate data.

• Minors: If the user is under 18 years old, they must refrain from using our platform or do so strictly under the supervision and authorization of their parents or legal guardians.

• Liability of Use: The user undertakes to use the website and its contents only for purposes permitted by law. LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA hold no liability for illegal acts or actions in disagreement with these terms committed by the user.

• Use of Content: Access to our websites does not grant authorization to use, copy, reproduce, or modify any protected content. Organic sharing on social media is permitted, subjecting the user to the privacy and usage rules of those respective platforms.

3. Privacy Policy

All information regarding privacy protection, collection, and processing of user data is detailed in our official Privacy Policy, jointly maintained by LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA.

4. Responsibilities and Limitations

LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA always seek to offer access to the platform and content with the highest possible quality and stability. However, the service may be momentarily interrupted for technical maintenance and operational updates.

Our platform displays advertising banners, sponsored links, and third-party advertising networks (such as Google Ads and Google AdSense). By clicking on these mechanisms, the user is redirected to external websites outside of our control and responsibility, and should consult the terms of use and privacy policies of those respective companies.

On pages where there is space for public comments, the user declares that any content published by them is their sole civil and criminal responsibility.

4.1. Financial & Editorial Disclaimer (Warranty of Informational Content)

Transparency Note: Our websites have the exclusive objective of providing educational information, editorial reviews, and informative content regarding credit cards, loans, investments, and financial services in general. We emphasize that LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA operate as an independent digital publishing and informative content group, and have no affiliation with or representation of any banking or financial institution mentioned in our articles.

We do not issue, release, approve, or intermediate financial products, credit lines, interest rates, or credit limits. All decisions made by the user based on the information read on our portal are their sole responsibility. It is indispensable that the user evaluates all terms, rates, and conditions directly with the official financial providers before entering into any contract. Our materials are strictly educational and informational and do not constitute formal financial, investment, or legal advice.

4.2. Limitation of Liability

In no event shall LEAPMEDIA LLC or JR MIDIA DIGITAL LTDA be liable for any direct or indirect damages (including, without limitation, damages for loss of data, lost profits, financial decisions, or business interruption) arising out of the use or inability to use the materials on our websites.

4.3. Accuracy of Content

The content displayed may occasionally include technical, typographical, or photographic inaccuracies. LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA do not guarantee that all materials are permanently accurate, complete, or current in real time, given that financial market rates and institutional policies change frequently. We may make modifications to the content contained on our websites at any time without prior notice, committing our best efforts to keep all articles accurate and updated.

5. Intellectual Property

All trademarks, logos, textual content, layout, images, slogans, and trade names linked to infomais.club, LEAPMEDIA LLC, and JR MIDIA DIGITAL LTDA are the exclusive property of their respective owners. Free access to our pages does not grant authorization, assignment, or licensing to use our intellectual property. For any formal request regarding content reproduction, please contact us at [email protected].

6. Reporting Violations

If the user detects any irregularity regarding these Terms of Use, our Privacy Policy, or identifies unauthorized activities on the platforms operated by LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA, they may submit a formal notice with details of the occurrence to our compliance and support team at [email protected].

7. Changes to the Terms of Use

Seeking continuous improvement and legal compliance for our international operations, LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA may update these Terms of Use at any time. We recommend regular consultation of this page. If you disagree with any updates, you must immediately discontinue browsing our portals.

8. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the State of Florida, United States of America (with respect to international and advertising operations managed by LEAPMEDIA LLC), and the laws of the Federative Republic of Brazil (with respect to editorial and technical operations managed by JR MIDIA DIGITAL LTDA). Any disputes arising from this instrument shall be resolved in the competent courts of Palm Beach County, Florida, USA, or the District of Piratini – RS, Brazil, according to the applicable operational scope.

9. Contact Us

For questions, suggestions, compliance inquiries, or technical support, please contact our team through our official channels:

• Official Contact Email: [email protected]

• International Management: LEAPMEDIA LLC | US EIN: 99-3181110 | Address: 5550 Glades Rd, Suite 512, Boca Raton, FL 33431, USA

• Editorial & Brazil Operations: JR MIDIA DIGITAL LTDA | Brazilian Corporate Tax ID (CNPJ): 44.211.659/0001-62 | Address: Rua 20 de Setembro, 334, Centro, Piratini – RS, CEP: 96490-000, Brazil

Last updated: October 29, 2026. Jointly operated by LEAPMEDIA LLC and JR MIDIA DIGITAL LTDA.