Terms of Use

Last updated: May 2026

The website fimaster.com.br is operated by Life and Money Assessoria Ltda., a private legal entity registered under CNPJ n.º 40.895.897/0001-83, with registered address at Rua Rotariano Celso de Araújo, n.º 100, Diamante, Belo Horizonte/MG, Brazil, CEP 30.627-155 (“Life and Money”, “we”, “us”).

Advertising intermediation for the website is provided by TIMO MIDIA, a private legal entity registered under CNPJ n.º 62.179.475/0001-44, responsible solely for the mediation of the programmatic advertising inventory displayed on Fimaster.

By accessing or using Fimaster, you confirm that you have read, understood and agreed to this document in its entirety.

PART II — TERMS OF USE

12. Acceptance

Accessing or using fimaster.com.br constitutes full acceptance of these Terms. If you do not agree, you must discontinue use immediately. These Terms form a legally binding agreement between you and Life and Money Assessoria Ltda.

13. Permitted use

The site is intended exclusively for informational consultation about financial products. You may share links to editorial content without modification, with attribution. Any other use requires prior written authorisation from Life and Money.

14. Intellectual property

All site content — including texts, comparison tables, graphics, logos, source code and editorial structure — is the exclusive property of Life and Money Assessoria Ltda. and is protected by applicable intellectual property laws, including the Digital Millennium Copyright Act (DMCA).

The following are strictly prohibited without prior written authorisation from Life and Money:

Reproducing, publishing or redistributing site content, in whole or in part;
Using scripts, bots, crawlers, scrapers or any automated tool to extract content or data (scraping);
Creating derivative databases from Fimaster content;
Using content to train artificial intelligence models without express authorisation.

Scraping and automated data extraction constitute copyright infringement under the DMCA and give rise to civil liability for damages, including statutory damages. Life and Money will pursue all available legal remedies, including DMCA takedown notices and civil litigation. Unauthorised computer access may additionally be prosecuted under the Computer Fraud and Abuse Act (CFAA), 18 U.S.C. § 1030.

15. Advertising responsibility

Fimaster displays programmatic advertisements from third-party networks including Google AdX, MCM and PubLinker. Advertising intermediation is provided by TIMO MIDIA. Neither TIMO MIDIA nor Life and Money is responsible for the content, accuracy, legality or offers of advertisers. Users assume all risk from interactions with third-party advertising. Abusive or deceptive advertisements should be reported to [email protected].

16. Prohibited conduct

The following conduct is expressly prohibited, without prejudice to applicable civil and criminal liability:

DoS/DDoS attacks: any attempt to overload or disrupt Fimaster’s servers will be reported to the FBI and other law enforcement authorities and may result in federal criminal prosecution under the CFAA, 18 U.S.C. § 1030, carrying penalties including imprisonment of up to 10 years for a first offence.
Unauthorised access (credential stuffing, brute force, vulnerability exploitation): constitutes a federal offence under the CFAA, 18 U.S.C. § 1030. Will be reported to authorities immediately. Civil damages may also be sought under 18 U.S.C. § 1030(g).
Misleading redistribution of financial content: modifying or redistributing Fimaster content to mislead users about financial products may violate FTC regulations on deceptive practices and gives rise to civil liability for damages.
Automated data extraction (scraping): subjects the infringer to civil liability under the DMCA and potential CFAA prosecution.
Unsolicited commercial email (spam): using contact data obtained from the site to send unsolicited commercial messages may violate the CAN-SPAM Act, 15 U.S.C. § 7704, subject to civil penalties up to $51,744 per violation.
Any other unlawful conduct under US federal or state law.

17. Abuse reporting

Abuse channel: [email protected]

Use this channel to report privacy violations, illegal or abusive content, cyberattacks, or deceptive advertising. We commit to responding to all reports within 48 hours and taking appropriate action, including reporting to federal and state authorities when warranted.

18. DMCA notices

If you believe your copyrighted work has been reproduced on our site without authorisation, please send a DMCA takedown notice to [email protected] with the information required under 17 U.S.C. § 512(c)(3). We will respond promptly.

19. Suspension of access and user blocking

Life and Money reserves the right to suspend, restrict or permanently block access by any user or IP address that violates these Terms, attacks the infrastructure, performs scraping or engages in abusive conduct. Blocking may be accompanied by formal legal notice and referral to law enforcement.

20. Limitation of liability

Fimaster content is strictly informational and educational. Nothing on this site constitutes financial advice, investment recommendation or credit offer. Life and Money does not guarantee the accuracy or currency of information. Users assume full responsibility for financial decisions made in reliance on site content. TO THE MAXIMUM EXTENT PERMITTED BY LAW, TIMO MIDIA WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM USE OF THE SITE.

21. Governing law

These Terms are governed by the laws of the Federative Republic of Brazil. Nothing in these Terms limits the rights afforded to US users under the CCPA/CPRA, CFAA, DMCA, CAN-SPAM Act or other applicable US federal and state legislation.

22. Changes to these Terms

Life and Money may modify these Terms at any time. Material changes will be notified on the site. Continued use constitutes acceptance of the updated Terms.

This document covers the Terms of Use only. Please also review our Privacy Policy.