1. Acceptance of the Terms of Use
By using our websites, you fully and unreservedly accept these Terms of Use. Therefore, reading this document carefully is essential.
This instrument regulates the use of our websites (including [https://us.wisecapitalsteps.com/](https://us.wisecapitalsteps.com/)) and all services and content offered therein by JR MIDIA DIGITAL LTDA to its users. Using our platforms also subjects the user to all other terms, regulations, policies, and notices made publicly available, as well as frequent updates to these documents.
2. Access Conditions
The websites owned and operated by JR MIDIA DIGITAL LTDA are available free of charge to all users. Our pages may contain informational links, editorial reviews, or redirections to official government portals and services or products from third-party financial institutions. Any fees or charges for contracting external financial services will be billed directly by the respective financial institution, never by us. Accessing public benefit directories on official government portals (such as USA.gov) is always free of charge.
To properly utilize contact forms or restricted areas, the user must provide personal data. The user declares that all information submitted is true and correct, and is fully aware that they will be legally liable for false or incorrect data.
- Minors: If the user is under 18 years old, they must refrain from using our platform or do so strictly under the supervision and authorization of their parents or legal guardians.
- Liability of Use: The user undertakes to use the website and its contents only for purposes permitted by law. JR MIDIA DIGITAL LTDA holds no liability for illegal acts or actions in disagreement with these terms committed by the user.
- Use of Content: Access to our websites does not grant authorization to use, copy, reproduce, or modify any protected content. Organic sharing on social media is permitted, subjecting the user to the privacy rules of those respective platforms.
3. Privacy Policy
All information regarding privacy protection, collection, and processing of user data is detailed in the Privacy Policy of JR MIDIA DIGITAL LTDA.
4. Responsibilities and Limitations
JR MIDIA DIGITAL LTDA always seeks to offer access to the platform and content with the highest possible quality and stability. However, the service may be momentarily interrupted for technical and operational repairs.
Our platform displays advertising banners, buttons, sponsored links, and third-party search tools. By clicking on these mechanisms, the user is redirected to external websites outside of our control and responsibility, and should consult the terms of use and privacy policies of those respective companies or official agencies.
On pages where there is space for public comments, the user declares that any content published by them is their sole civil and criminal responsibility.
4.1. Disclaimer (Warranty of Informational Content)
Transparency Note: Our websites have the exclusive objective of providing information, reviews, and educational content regarding credit cards, loans, public assistance programs (such as cash assistance benefits), and financial services in general. We emphasize that JR MIDIA DIGITAL LTDA is an independent journalistic and informative content production company, and does not represent or have any affiliation with any specific banking institution, card issuer, or government agency.
We have no influence, interference, or responsibility over the approval, denial, or granting of credit lines, interest rates, credit limits, or government cash assistance benefits. All decisions made by the user based on the information read are their sole responsibility. It is indispensable that the user evaluates the conditions and eligibility rules directly with the official financial providers or official government portals (such as USA.gov) before any application or contracting. Our materials are strictly informational and educational, and do not constitute formal financial, legal, or governmental advice.
4.2. Limitation of Liability
In no event shall JR MIDIA DIGITAL LTDA be liable for any damages (including, without limitation, damages for loss of data, lost profits, or business interruption) arising out of the use or inability to use the materials on our websites.
4.3. Accuracy of Content
The content displayed may include technical, typographical, or photographic errors. JR MIDIA DIGITAL LTDA does not guarantee that all materials are permanently accurate, complete, or current, given that the financial market and public benefit guidelines change frequently. We may make modifications to the content contained on our websites at any time without notice, committing our best efforts to keep them updated.
5. Intellectual Property
All trademarks, logos, textual content, images, slogans, and trade names linked to JR MIDIA DIGITAL LTDA are the exclusive use and property of their respective owners. Free access to our pages does not grant authorization, assignment, or licensing to use our intellectual property. For any formal reproduction of content, a request must be sent to the email: [email protected].
6. Reporting Violations
If the user detects any irregularity with these Terms of Use, the Privacy Policy, or identifies illegal activities on the platforms of JR MIDIA DIGITAL LTDA, they may submit a formal complaint sending details of the occurrence to our support team at [email protected].
7. Changes to the Terms of Use
Seeking continuous improvement and legal compliance for our operation, JR MIDIA DIGITAL LTDA may alter these Terms of Use at any time. We recommend regular consultation of this page. If you disagree with any changes, you must immediately discontinue browsing our portals.
8. Governing Law and Jurisdiction
This Terms of Use is governed by and construed in accordance with the laws in force in the Federative Republic of Brazil. The forum of the district of Piratini – RS is elected as the sole competent jurisdiction to resolve any controversies arising from this instrument.
9. Contact Us
For questions, suggestions, or technical support, please contact our team through the official channels:
- Corporate Email: [email protected]
- Business Identification: JR MIDIA DIGITAL LTDA | Corporate Tax ID (CNPJ): 44.211.659/0001-62 | Address: Rua 20 de Setembro, 334, Centro, Piratini – RS, CEP: 96490-000, Brazil
Last updated: October 29, 2026.
JR MIDIA DIGITAL LTDA