📄 TERMS OF USE — NEW.FORMONEY
Last updated: April 28, 2026
These Terms of Use govern the access to and use of the website NEW.FORMONEY (https://new.universoapps.com), operated by:
FORMONEY, an informational content platform operating in Brasil.
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the website.
Use of the website
The website NEW.FORMONEY provides informational and educational content related to finance, economy, markets, financial products, banking services, consumer topics, and other relevant subjects.
All content is intended for informational purposes only and does not constitute financial, legal, accounting, or professional advice.
Users agree to use the website responsibly and in compliance with applicable laws and these Terms of Use.
It is prohibited to use the website for:
Failure to comply with these rules may result in suspension or restriction of access, without prejudice to legal action.
Intellectual property
All content available on NEW.FORMONEY, including text, images, logos, graphics, layout, videos, and other materials, is protected by intellectual property laws.
Unless otherwise stated, the content belongs to the website or its licensors.
Reproduction, copying, modification, distribution, or use of any content without prior authorization is prohibited, except where permitted by law.
Use of information
The information provided on this website is for informational purposes only.
While we strive to keep content accurate and up to date, we do not guarantee the accuracy, completeness, or timeliness of the information.
Users acknowledge that any decisions made based on the content are their sole responsibility.
Advertising and affiliate programs
NEW.FORMONEY may display advertisements, sponsored content, and participate in affiliate programs, including but not limited to Google AdSense.
This means we may receive compensation when users interact with advertisements, click links, or take actions through them.
These practices do not result in any additional cost to users.
The presence of advertising does not imply endorsement, and editorial independence is maintained.
Cookies and tracking technologies
The website uses cookies and similar technologies to improve user experience, analyze traffic, and display personalized advertising.
By using the website, users agree to the use of these technologies as described in the Privacy Policy and Cookie Policy.
Links to third-party websites
The website may contain links to external websites or third-party services.
NEW.FORMONEY has no control over the content, policies, or practices of these sites and is not responsible for any damages or losses resulting from their use.
Users are encouraged to review the terms and policies of any external site they visit.
Limitation of liability
NEW.FORMONEY shall not be held liable for any direct, indirect, incidental, or consequential damages, including financial losses or lost profits, arising from the use or inability to use the website or its content.
Use of the website is at the user’s own risk.
Website availability
While we strive to maintain the website available and functional, continuous, uninterrupted, or error-free access is not guaranteed.
The website may be temporarily suspended for maintenance, updates, or technical reasons without prior notice.
Privacy
Use of the website is also subject to our Privacy Policy and Cookie Policy, which describe how user data is collected and used.
Changes to these terms
These Terms of Use may be updated at any time to reflect legal, operational, or technical changes.
Users are encouraged to review this page periodically.
Compliance with advertising policies
The website operates in compliance with applicable advertising policies, including guidelines from platforms such as Google AdSense, ensuring transparency in data usage, cookies, and ad display.
Governing law and jurisdiction
These Terms of Use are governed by the laws of Brasil.
Any disputes arising from these Terms shall be resolved in the jurisdiction permitted by applicable law.
Contact
If you have any questions about these Terms of Use, please contact us via:
https://new.universoapps.com/contact