Effective date: September 18, 2025
Welcome to en.criativaweb.online (“Site,” “we,” “us,” “our”). By accessing or using this Site, you agree to these Terms of Use.

Who We Are

We are an informational website operated by CriativaWeb. We publish free resources about vehicle financing in the United States.

Not Financial or Legal Advice

Our content and tools are for education only. We do not provide financial, legal, tax, or credit advice. Always verify details with lenders, dealers, and qualified professionals before making decisions.

No Lender Relationship

We are not a lender, broker, or dealer. We do not make credit decisions, set rates, or guarantee approvals. References to lenders or offers are for comparison and research.

Ads and Affiliates

We display advertising (e.g., Google AdSense/Ad Manager) and may use affiliate links. Ads and partner offers do not affect our editorial judgments. Learn how data is used in our Privacy Policy.

Eligibility

You must be able to form a binding contract and comply with applicable laws. If you use the Site on behalf of an organization, you represent you have authority to bind that organization.

Your Responsibilities

Use the Site lawfully and respectfully. Provide accurate information if you contact us or use forms. Maintain the security of your devices and internet connection.

Prohibited Conduct

Do not:

• Interfere with the Site, its servers, or security.
• Reverse engineer, scrape, or harvest data without permission.
• Upload or transmit malware or harmful code.
• Misuse ads (e.g., do not artificially generate impressions, clicks, or incentives to click).
• Violate third-party rights or applicable laws.

Accounts (If Applicable)

If we offer accounts, you are responsible for your login and all activity under it. Notify us of suspected unauthorized use.

Intellectual Property

All text, graphics, logos, tools, and code on the Site are our property or licensed to us and protected by law. You may view and make personal, non-commercial use of the Site. Any other use requires our prior written consent.

User Content (If You Submit)

By submitting feedback or content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display it for Site operation and improvement. You promise you have the rights to what you submit.

Tools and Calculators

Calculations are estimates only. Actual rates, taxes, fees, insurance, and terms vary by lender, state, and your profile. Always confirm final numbers with the lender or dealer.

Third-Party Links and Services

External sites and services have their own policies. We are not responsible for their content, availability, or practices. Review their terms before using them.

Privacy

Your use of the Site is also governed by our Privacy Policy. It explains cookies, analytics, ads, and your choices.

Changes to the Site

We may modify or discontinue any feature, content, or tool at any time without notice. We are not liable for any change or unavailability.

Disclaimers

The Site is provided “as is” and “as available.” We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted, secure, or error-free operation.

Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of the Site. Our total liability for any claim will not exceed USD $100.

Indemnification

You agree to defend, indemnify, and hold us harmless from claims, damages, costs, and fees arising from your misuse of the Site, violation of these Terms, or infringement of rights.

Geographic Considerations

Content targets U.S. financing topics. Availability of features may vary by location. You are responsible for complying with local laws.

DMCA / Copyright

If you believe content infringes your copyright, contact contato@criativaweb.online with: (1) your contact info, (2) identification of the work, (3) the URL of the material, (4) a good-faith statement, and (5) a statement under penalty of perjury that you are authorized to act.

Changes to These Terms

We may update these Terms from time to time. The “Effective date” shows the latest version. Continued use after changes means you accept the updated Terms.

Termination

We may suspend or terminate access to the Site for any reason, including suspected violation of these Terms. Sections that by nature should survive termination will survive.

Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Courts located in Delaware have exclusive jurisdiction, unless applicable law provides otherwise.

Contact

Questions about these Terms: contato@criativaweb.online
Support hours: Monday–Friday, 9:00–18:00 BRT (UTC−03:00).

Using this Site means you agree to these Terms. If you do not agree, please do not use the Site.