{"id":16,"date":"2024-04-23T18:29:50","date_gmt":"2024-04-23T18:29:50","guid":{"rendered":"https:\/\/hinnw.com\/?page_id=16"},"modified":"2026-10-05T06:08:01","modified_gmt":"2026-10-05T06:08:01","slug":"termos-de-uso","status":"publish","type":"page","link":"https:\/\/hinnw.com\/en\/termos-de-uso\/","title":{"rendered":"Terms of\u00a0Use"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"16\" class=\"elementor elementor-16\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc80dc e-flex e-con-boxed e-con e-parent\" data-id=\"8dc80dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-539233c elementor-widget elementor-widget-html\" data-id=\"539233c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ===== Terms of Use - Hinnw (paste into an Elementor \"HTML\" widget) ===== -->\r\n<style>\r\n  .hw-policy{max-width:980px;margin:0 auto;padding:40px 20px;font-family:Arial,Helvetica,sans-serif;color:#1f2328;line-height:1.7;font-size:16px}\r\n  .hw-policy h1{text-align:center;font-size:44px;font-weight:700;color:#0f2a4a;margin:0 0 14px;line-height:1.2}\r\n  .hw-policy h1 .hw-highlight{position:relative;display:inline-block;color:#1d5fd1}\r\n  .hw-policy h1 .hw-highlight svg{position:absolute;left:-6px;bottom:-14px;width:calc(100% + 12px);height:18px}\r\n  .hw-policy .hw-updated{text-align:center;color:#6b7078;font-size:14px;margin:0 0 40px}\r\n  .hw-policy h2{font-size:24px;color:#0f2a4a;margin:44px 0 12px;padding-top:6px;scroll-margin-top:90px}\r\n  .hw-policy h2::before{content:\"\";display:inline-block;width:6px;height:22px;background:#1d5fd1;border-radius:3px;margin-right:10px;vertical-align:-3px}\r\n  .hw-policy p{margin:0 0 14px}\r\n  .hw-policy ul{margin:0 0 16px;padding-left:22px}\r\n  .hw-policy li{margin-bottom:6px}\r\n  .hw-policy a{color:#1748a3;font-weight:600;text-decoration:none}\r\n  .hw-policy a:hover{text-decoration:underline}\r\n  .hw-policy .hw-toc{background:#eef4fd;border-left:4px solid #1d5fd1;border-radius:6px;padding:18px 24px;margin:0 0 20px}\r\n  .hw-policy .hw-toc strong{display:block;margin-bottom:8px;color:#0f2a4a}\r\n  .hw-policy .hw-toc ol{margin:0;padding-left:20px;columns:2;column-gap:32px}\r\n  .hw-policy .hw-toc li{margin-bottom:4px;break-inside:avoid}\r\n  .hw-policy .hw-toc a{font-weight:400}\r\n  .hw-policy .hw-alert{background:#fff8e6;border-left:4px solid #e0a100;border-radius:6px;padding:16px 20px;margin:0 0 16px}\r\n  .hw-policy .hw-box{background:#eef4fd;border-radius:8px;padding:16px 20px;margin:0 0 16px}\r\n  .hw-policy .hw-btn{display:inline-block;background:#1d5fd1;color:#fff !important;border-radius:30px;padding:12px 36px;\r\n    font-weight:400;letter-spacing:1px;text-transform:uppercase;font-size:15px;margin-top:6px}\r\n  .hw-policy .hw-btn:hover{background:#1748a3;text-decoration:none}\r\n  @media (max-width:600px){.hw-policy h1{font-size:32px}.hw-policy .hw-toc ol{columns:1}}\r\n<\/style>\r\n\r\n<section class=\"hw-policy\">\r\n  <h1>Terms of <span class=\"hw-highlight\">Use.\r\n    <svg viewbox=\"0 0 200 18\" preserveaspectratio=\"none\" aria-hidden=\"true\">\r\n      <path d=\"M3 7 C60 13,140 13,197 6\" stroke=\"#1d5fd1\" stroke-width=\"4\" fill=\"none\" stroke-linecap=\"round\"\/>\r\n      <path d=\"M20 13 C80 17,130 16,180 12\" stroke=\"#1d5fd1\" stroke-width=\"3\" fill=\"none\" stroke-linecap=\"round\" opacity=\".6\"\/>\r\n    <\/svg><\/span><\/h1>\r\n  <p class=\"hw-updated\">Last updated: October 5, 2026<\/p>\r\n\r\n  <p>Welcome to Hinnw (<a href=\"https:\/\/hinnw.com\/en\/\">hinnw.com<\/a>). These Terms of Use govern your access to and use of our website, including\r\n    all articles about investing, personal finance, financial education and apps published on it. By accessing or using Hinnw, you agree to\r\n    these Terms. If you do not agree with any part of them, please do not use the website.<\/p>\r\n\r\n  <div class=\"hw-toc\">\r\n    <strong>Contents<\/strong>\r\n    <ol>\r\n      <li><a href=\"#hw-about\">About Hinnw<\/a><\/li>\r\n      <li><a href=\"#hw-advice\">Not financial advice<\/a><\/li>\r\n      <li><a href=\"#hw-risk\">Investment risks<\/a><\/li>\r\n      <li><a href=\"#hw-products\">Products, apps and institutions<\/a><\/li>\r\n      <li><a href=\"#hw-use\">Use of the website<\/a><\/li>\r\n      <li><a href=\"#hw-conduct\">Acceptable use<\/a><\/li>\r\n      <li><a href=\"#hw-ip\">Intellectual property<\/a><\/li>\r\n      <li><a href=\"#hw-copyright\">Copyright complaints<\/a><\/li>\r\n      <li><a href=\"#hw-ads\">Advertising and external links<\/a><\/li>\r\n      <li><a href=\"#hw-privacy\">Privacy<\/a><\/li>\r\n      <li><a href=\"#hw-liability\">Disclaimer and limitation of liability<\/a><\/li>\r\n      <li><a href=\"#hw-law\">Governing law<\/a><\/li>\r\n      <li><a href=\"#hw-changes\">Changes to these Terms<\/a><\/li>\r\n      <li><a href=\"#hw-contact\">Contact us<\/a><\/li>\r\n    <\/ol>\r\n  <\/div>\r\n\r\n  <h2 id=\"hw-about\">1. About Hinnw<\/h2>\r\n  <p>Hinnw is an independent website dedicated to financial education. We publish articles about investment strategies, asset classes,\r\n    portfolio diversification, personal finance and financial apps. Hinnw is free to access and is supported by advertising. We have no\r\n    affiliation, partnership, representation, authorization, sponsorship or official endorsement from any bank, brokerage, fund manager,\r\n    company, institution, app or service mentioned, unless expressly stated.<\/p>\r\n\r\n  <h2 id=\"hw-advice\">2. Not financial advice<\/h2>\r\n  <div class=\"hw-alert\">\r\n    <p><strong>All content published on Hinnw is for educational and informational purposes only and does not constitute investment,\r\n      financial, legal, tax or accounting advice, nor a recommendation to buy, sell or hold any security, asset or financial product.<\/strong><\/p>\r\n    <p style=\"margin:0\">Hinnw is not a bank, brokerage, investment advisor, asset manager or financial institution, and is not registered with\r\n      any securities regulator (such as the CVM in Brazil or the SEC in the United States). Our articles do not take into account your\r\n      individual objectives, financial situation or risk profile. Before making any financial decision, consult a qualified and licensed professional.<\/p>\r\n  <\/div>\r\n\r\n  <h2 id=\"hw-risk\">3. Investment risks<\/h2>\r\n  <p>All investments involve risk, including the possible loss of the capital invested. Past performance does not guarantee future results.\r\n    Returns, rates, prices, taxes and market conditions mentioned in our articles may change at any time and may differ from the values\r\n    shown at the time of publication. You are solely responsible for your investment decisions and their results.<\/p>\r\n\r\n  <h2 id=\"hw-products\">4. Products, apps and institutions<\/h2>\r\n  <p>When we mention financial products, apps, platforms or institutions, we do so for informational purposes. Hinnw does not sell financial\r\n    products, open accounts, grant credit, manage money or process payments, and does not take part in any transaction between you and third\r\n    parties. We do not guarantee approval, returns, rates, benefits or any specific result. Always check rules, fees, conditions and\r\n    requirements directly on the official channels of each institution.<\/p>\r\n  <p><strong>Hinnw will never ask you for payments, passwords or banking details.<\/strong> If someone does so on our behalf, it is a fraud attempt.<\/p>\r\n\r\n  <h2 id=\"hw-use\">5. Use of the website<\/h2>\r\n  <p>You may use Hinnw for personal, non-commercial purposes in accordance with these Terms and applicable law. If you are under the age of\r\n    majority in your country, you should use the website with the permission and supervision of a parent or legal guardian.<\/p>\r\n\r\n  <h2 id=\"hw-conduct\">6. Acceptable use<\/h2>\r\n  <p>When using Hinnw, you agree not to:<\/p>\r\n  <ul>\r\n    <li>Use the website for any unlawful purpose or in violation of these Terms;<\/li>\r\n    <li>Copy, republish, scrape or redistribute our content in bulk, or use automated systems to extract data without our permission;<\/li>\r\n    <li>Attempt to gain unauthorized access to the website, its servers or related systems, or interfere with its normal operation;<\/li>\r\n    <li>Upload or transmit viruses, malware or any other harmful code;<\/li>\r\n    <li>Send spam, offensive, abusive, defamatory or illegal messages through our contact form or any other channel;<\/li>\r\n    <li>Click on advertisements artificially, or encourage others to do so, or generate invalid traffic of any kind;<\/li>\r\n    <li>Impersonate any person or entity, including Hinnw.<\/li>\r\n  <\/ul>\r\n  <p>We may restrict or block access to the website for anyone who violates these rules.<\/p>\r\n\r\n  <h2 id=\"hw-ip\">7. Intellectual property<\/h2>\r\n  <p>Unless otherwise stated, all original content published on Hinnw, including texts, articles, logos, design and layout, is owned by Hinnw\r\n    and protected by copyright and other intellectual property laws. You may share links to our articles and quote short excerpts, provided\r\n    you clearly credit Hinnw and link to the original article. Any other reproduction, modification or distribution without prior written\r\n    permission is prohibited. Names, logos and trademarks of companies, institutions and products mentioned on the site belong to their\r\n    respective owners and are used for informational purposes only.<\/p>\r\n\r\n  <h2 id=\"hw-copyright\">8. Copyright complaints<\/h2>\r\n  <p>If you believe that any content on Hinnw infringes your copyright or other rights, please contact us through our\r\n    <a href=\"https:\/\/hinnw.com\/en\/contato\/\">contact page<\/a>, selecting \"Copyright\" as the subject, and include your name and contact information,\r\n    a description of the work, the URL where the content appears and a statement that you are the rights holder or authorized to act on\r\n    their behalf. We will review every request and, where appropriate, remove or correct the content promptly.<\/p>\r\n\r\n  <h2 id=\"hw-ads\">9. Advertising and external links<\/h2>\r\n  <p>Hinnw displays advertisements, including ads served by Google AdSense and other third parties, and may contain sponsored or affiliate\r\n    links, for which we may receive compensation. This never influences our editorial content and does not create any official relationship\r\n    with the brands mentioned. Advertisers are solely responsible for their ads and the products or services they offer. We do not control and\r\n    are not responsible for the content, policies or practices of third-party websites, and accessing them is at your own risk.<\/p>\r\n\r\n  <h2 id=\"hw-privacy\">10. Privacy<\/h2>\r\n  <p>Your use of Hinnw is also governed by our <a href=\"https:\/\/hinnw.com\/en\/politica-privacidade\/\">Privacy Policy<\/a>, which explains how we\r\n    collect and use information, including through cookies and advertising technologies.<\/p>\r\n\r\n  <h2 id=\"hw-liability\">11. Disclaimer and limitation of liability<\/h2>\r\n  <p>Hinnw is provided \"as is\" and \"as available\", without warranties of any kind. Although we strive to keep our content accurate and up to\r\n    date, we do not guarantee its accuracy, completeness, timeliness or suitability for any specific situation. To the fullest extent permitted\r\n    by law, Hinnw and its team will not be liable for any direct, indirect, incidental or consequential damages, including financial losses,\r\n    arising from the use of the website, from decisions made based on its content, or from changes, unavailability, errors or actions of third\r\n    parties. Nothing in these Terms limits any rights you may have that cannot be limited under applicable consumer protection laws.<\/p>\r\n\r\n  <h2 id=\"hw-law\">12. Governing law<\/h2>\r\n  <p>These Terms are governed by the laws of the Federative Republic of Brazil. Any disputes related to these Terms or to the use of Hinnw will\r\n    be resolved in the competent courts of Brazil, without prejudice to any mandatory consumer rights you may have in your country of residence.<\/p>\r\n\r\n  <h2 id=\"hw-changes\">13. Changes to these Terms<\/h2>\r\n  <p>We may update these Terms of Use from time to time. Changes take effect as soon as they are published on this page with a new\r\n    \"Last updated\" date. By continuing to use Hinnw after changes are posted, you accept the updated Terms.<\/p>\r\n\r\n  <h2 id=\"hw-contact\">14. Contact us<\/h2>\r\n  <div class=\"hw-box\">\r\n    <p>If you have any questions about these Terms of Use, please get in touch through our contact page.<\/p>\r\n    <a class=\"hw-btn\" href=\"https:\/\/hinnw.com\/en\/contato\/\">Contact us<\/a>\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Terms of Use. Last updated: October 5, 2026 Welcome to Hinnw (hinnw.com). These Terms of Use govern your access to and use of our website, including all articles about investing, personal finance, financial education and apps published on it. By accessing or using Hinnw, you agree to these Terms. If you do not agree with [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-16","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/pages\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/comments?post=16"}],"version-history":[{"count":0,"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/pages\/16\/revisions"}],"wp:attachment":[{"href":"https:\/\/hinnw.com\/en\/wp-json\/wp\/v2\/media?parent=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}