Terms of Use
Last Updated: February 12, 2026
Welcome to OpenZed, accessible at openzed.com.
By accessing or using this website, you agree to comply with these Terms of Use, as well as our Privacy Policy and Cookies Policy.
OpenZed provides free educational and informational content related to financial products and services, including credit cards, loans, financing, investments, digital banking tools, and applications that impact your digital financial life.
1. Acceptance of Terms
By using OpenZed, you acknowledge that:
- You have read, understood, and agreed to be bound by these Terms;
- You are at least 18 years old or of legal age in your jurisdiction;
- You are legally permitted to use this website under applicable law.
If you do not agree with any part of these Terms, you must discontinue use of the website immediately.
2. Informational Purpose Only (No Financial Advice)
All content published on OpenZed is provided for educational and informational purposes only.
Nothing on this website constitutes:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- Credit approval guarantee
Users are solely responsible for evaluating financial decisions and should consult qualified professionals before making financial commitments.
Financial products involve risks, including potential loss of capital.
3. Contact
For inquiries, support, or complaints, users may contact us exclusively through the official contact form available on the website.
We do not request payments, bank transfers, passwords, or sensitive financial credentials.
If you receive suspicious communication claiming to represent OpenZed, please report it immediately.
4. User Responsibilities
By using the website, you agree to:
- Use the site lawfully and ethically;
- Refrain from fraudulent, abusive, or harmful activities;
- Respect intellectual property rights;
- Avoid attempting to bypass security systems;
- Not engage in data scraping, automated extraction, or system interference.
Users are responsible for reviewing these Terms periodically for updates.
5. Intellectual Property
All content on OpenZed — including text, graphics, logos, icons, images, layout, design, software, and trademarks — is the intellectual property of OpenZed or its licensors and is protected by applicable copyright and trademark laws.
You may not:
- Reproduce
- Distribute
- Modify
- Publish
- Republish
- Commercially exploit
any content without prior written authorization, except as permitted by law.
Limited personal, non-commercial use is allowed.
6. External Links and Third-Party Services
OpenZed may contain links to third-party websites or services for informational purposes.
We are not responsible for:
- Content of external websites;
- Privacy policies or practices of third parties;
- Products or services offered externally;
- Accuracy of third-party information.
Users should independently review third-party policies before engaging with such services.
7. Advertising and Affiliate Disclosure
OpenZed may display:
- Google AdSense advertisements;
- Sponsored content;
- Affiliate links.
We may receive compensation when users interact with advertisements or affiliate links.
Such partnerships do not influence our editorial standards.
Google Privacy Policy:
https://policies.google.com/privacy
Google Ads Technologies:
https://policies.google.com/technologies/ads
8. Limitation of Liability
The website is provided “as is” and “as available.”
To the fullest extent permitted by law, OpenZed disclaims liability for:
- Technical errors or interruptions;
- Security breaches beyond reasonable control;
- Device damage, malware, or viruses;
- Financial losses resulting from reliance on content;
- Unauthorized third-party misuse of information.
Use of the website is at your own risk.
9. Data Protection
Personal data processing is governed by our Privacy Policy and complies with:
- Brazilian LGPD (Law No. 13.709/2018);
- GDPR (EU 2016/679);
- CCPA/CPRA (California), where applicable.
Users may exercise data protection rights as described in our Privacy Policy.
10. Account and System Integrity
Users are not required to create accounts to access OpenZed.
However, you must not:
- Attempt unauthorized access;
- Interfere with system functionality;
- Reverse engineer website infrastructure.
Misuse may result in restricted access or legal action.
11. Modifications to Terms
OpenZed reserves the right to update or modify these Terms at any time.
Changes become effective upon publication with an updated revision date.
Continued use of the site constitutes acceptance of revised Terms.
12. Indemnification
You agree to indemnify and hold harmless OpenZed, its affiliates, and partners from claims, damages, or liabilities arising from:
- Violation of these Terms;
- Misuse of the website;
- Violation of third-party rights.
13. Governing Law and Jurisdiction
These Terms are governed by the laws of the United States and, where applicable, the laws of the State of California, without regard to conflict-of-law principles.
Legal actions shall be brought before courts located in California, USA, unless mandatory consumer protection laws in your jurisdiction provide otherwise.
Nothing in these Terms limits your statutory consumer rights.
14. Severability
If any provision of these Terms is found unenforceable, the remaining provisions remain valid and enforceable.
15. Questions?
If you have questions about these Terms of Use, please contact us through our official contact form. CONTACT
