Terms of use

Last Updated: March 10, 2026

These Terms of Use (“Terms”) govern the access and use of services, content, and digital platforms provided by SPUN MIDIA LTDA, registered under CNPJ nº 43.629.487/0001-89, with administrative headquarters in Rio Grande do Sul, Brazil. For legal purposes, this company is the “Controller” of the collected data.

1. ACCEPTANCE OF TERMS AND SCOPE

1.1. By accessing, browsing, or using any website, subdomain, application, or form belonging to the Controller or companies within its economic group (including https://quizmca.com/), the user declares that they have read, understood, and fully accepted these Terms.
1.2. These Terms constitute a binding agreement between the Controller and the user. If the user does not agree with any provision herein, they must immediately refrain from using the platform.

2. ELIGIBILITY AND AGE RESTRICTION

2.1. The content and services of this portal are intended exclusively for individuals aged 18 (eighteen) years or older.
2.2. The Controller does not knowingly collect or process data from minors. Any identified use by minors will result in the immediate deletion of associated records.

3. NATURE OF SERVICE AND LEGAL DISCLAIMER (FINANCIAL DISCLAIMER)

3.1. Informational Purpose: The portal operates exclusively as a curator of content, quizzes, informational material, and third-party product promotion.
3.2. No Financial Institution Relationship: The Controller is not a financial institution and does not provide loans, issue credit cards, or hold custody of financial assets.
3.3. No Advisory: No information on the website should be interpreted as financial advice, investment recommendation, or guarantee of credit approval.
3.4. User Responsibility: The user acknowledges that any transaction or interaction with third-party services is solely between the user and the respective provider, without any liability or guarantee from the Controller.

4. INTELLECTUAL PROPERTY AND USE RESTRICTIONS

4.1. Copyright: All content (texts, source code, logos, design, graphics, and databases) is the exclusive property of the Controller or its licensors, protected by applicable intellectual property laws.
4.2. Limited License: Users are granted a non-exclusive and non-transferable license to view the content for personal, non-commercial use only.
4.3. Prohibited Conduct: It is strictly prohibited to:

• Use web scrapers, bots, or automated methods to extract data;
• Reverse engineer any platform functionality;
• Remove copyright notices or watermarks from any material.

5. THIRD-PARTY INTERACTIONS AND LINKS

5.1. The portal may contain links directing users to third-party websites. The Controller does not control these domains and is not responsible for:

• Accuracy of information such as rates, terms, or benefits displayed externally;
• Data processing practices of third parties;
• Damages caused by viruses or malware from external sites.
  5.2. The user acknowledges that third-party services may change their terms at any time without prior notice.

6. SECURITY AND LIMITATION OF LIABILITY

6.1. Availability: The Controller strives to keep the platform available 24/7 but does not guarantee uninterrupted operation due to technical failures, cyberattacks, or maintenance.
6.2. Indirect Damages: Under no circumstances shall the Controller be liable for indirect damages, lost profits, or financial losses arising from the use or inability to use the platform.
6.3. Digital Security: Although SSL (HTTPS) and security protocols are used, users are responsible for maintaining the security of their own devices (antivirus and firewall).

7. PRIVACY AND DATA PROTECTION

7.1. The processing of personal data is governed by our Privacy Policy, which must be read together with these Terms.
7.2. Internal Sharing: The user agrees to the sharing of information within the Controller’s group companies for support and content delivery purposes, in accordance with applicable data protection laws.

8. INDEMNIFICATION

8.1. The user agrees to indemnify and hold harmless the Controller, its subsidiaries, directors, and employees from any claims, losses, or demands (including legal fees) arising from their violation of these Terms or third-party rights.

9. GENERAL PROVISIONS AND JURISDICTION

9.1. Severability: If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
9.2. Governing Law: These Terms are governed by the laws of the Federative Republic of Brazil.
9.3. Jurisdiction: The parties elect the jurisdiction of the District of Porto Alegre/RS, Brazil, to resolve any disputes related to this document.