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Disclaimer

LEGAL DISCLAIMER
Last Updated: March 10, 2026

The Creative Pulse portal is a news and financial education platform maintained by SPUN MIDIA LTDA. Our goal is to provide informational content, comparative analysis, and educational guides about the financial market.

By accessing our platform, you acknowledge that all content published herein is strictly educational in nature. We are not a financial institution and do not sell or provide credit-related products or services.

1. WE DO NOT REQUEST PAYMENTS

Creative Pulse is 100% free to use. For your safety, we emphasize that we NEVER engage in the following practices:

  • We do not request payments, deposits, or fees for the release of credit cards, loans, or any financial products;
  • We do not send payment slips or request transfers via Pix, wire transfer, or any similar method;
  • We do not request sensitive information (such as banking passwords or security codes) via email, WhatsApp, or phone.

If you receive any communication claiming to be from Creative Pulse requesting money or confidential information, ignore it and report it immediately, as it may be a fraud attempt by third parties.

2. INDEPENDENCE AND NO BANKING AFFILIATION

We operate as an independent communication platform. Therefore, it is important to clarify that:

  • We do not approve credit: The evaluation, approval, and definition of credit limits or loans are the sole responsibility of the respective financial institutions;
  • We do not influence credit scores: We do not have tools or authority to modify or improve your credit score;
  • Institutional autonomy: Approval criteria and product terms are defined exclusively by the financial institutions, without any interference from our platform.

3. EDUCATIONAL CONTENT: NOT PROFESSIONAL ADVICE

Although our team conducts careful and up-to-date analyses, the content on Creative Pulse should not be interpreted as:

  • Personalized financial or investment advice;
  • Legal or accounting guidance;
  • A guarantee of financial results or approval of applications.

Recommendation: Before making any financial decision, we advise reviewing the official terms of the respective institutions and, if necessary, consulting a qualified financial advisor.

4. TRANSPARENCY REGARDING ADVERTISING AND AFFILIATES

To maintain our platform and keep our content free, we may use the following monetization methods:

  • Automated Advertising (Google Ads): We display personalized ads based on your browsing interests;
  • Affiliate Links: Some content may include links to partner websites. If you apply for a product through these links, Creative Pulse may receive a commission from the financial institution;

Impartiality: Commercial partnerships may influence the display order of some products, but they do not affect the accuracy of the information presented, which is based on publicly available data provided by the institutions.

5. DATA ACCURACY AND UPDATES

The financial market is highly dynamic. Institutions may change interest rates, fees, and benefits at any time without prior notice.

We make every effort to keep information updated; however, we do not guarantee that all data will always reflect real-time changes.

User Responsibility: Users should verify official information directly on the financial institution’s website before completing any application or transaction.

6. USER RESPONSIBILITY AND AGE REQUIREMENT

By using Creative Pulse, you agree that:

  • You are at least 18 years old (minimum required age);
  • The platform and its Data Controller are not responsible for any financial losses resulting from decisions made based on our content.

7. CONTACT AND FRAUD REPORTING

We value ethics and user security. If you identify incorrect information or fraudulent attempts using our brand, please report it immediately: