Please read these ‘Terms and Conditions of Use’ carefully, as your use of the platform demonstrates your agreement with these terms.
The platform https://kurohon.com (“Platform” or “Kurohon Platform” or “Site”) is a product recommendation and financial education site specialized in creating content with informative and analytical features of various financial products/services (credit cards, digital banks, loans, financing, among others) provided by various companies (financial institutions), offering content with the purpose of informing the user about the product that best suits their needs (“Kurohon”).
Therefore, the purpose of the Terms and Conditions of Use is to inform about the responsibilities, duties, and obligations of every user when accessing and/or using KUROHON’s digital platform, as described below.
By browsing our platform, the user confirms having read, understood, and agreed to these Terms and Conditions of Use and understands that the provisions herein will govern the relationship between KUROHON and the user/you. If you do not agree with all the following terms, you will not be able to use or access the platform.
- KUROHON Platform
Kurohon is a blog specialized in creating content with informative and analytical features of various financial products/services (credit cards, loans, financing, among others) provided by various companies (financial institutions), offering content with the purpose of informing the user about the product that best suits their needs.
We have an online platform that facilitates customer access to products and services offered by institutional partners.
To register on the platform, Kurohon may ask you some questions and request information to facilitate your relationship with the partner company. However, the contract is made directly with the partner company. Kurohon is not a party to the legal relationship established between the user and the partner company.
- Equipment to Access the Platform
The equipment (computer, smartphone, tablet) and programs (browser) necessary to navigate the Kurohon website and properly provide all internet resources (such as the connection), without exception, as well as maintaining the computer environment secure using available tools such as antivirus and firewall, among others, updated to contribute to the prevention of electronic risks, are the sole responsibility of the user.
- Access and Use of the KUROHON Platform
In general, the provision of services does not require prior registration or user registration. However, Kurohon conditions the use of some services on the prior registration of the User.
Additionally, by accessing and using the Kurohon platform, you declare and warrant that (i) all information, whether personal or not, provided by you is true and accurate; (ii) you will maintain the accuracy of any information provided; (iii) you will update your data whenever necessary, especially contact information; (iv) you will not provide personal information if you are under 18 years old; (v) when using the website, you will not violate any applicable law or regulation; and (vi) you will not reverse engineer or decompile the website or its parts.
If any information provided by the user is false, incorrect, outdated, or incomplete, or if Kurohon has sufficient reason to suspect that such information is false, incorrect, outdated, or incomplete, Kurohon will have the right to immediately suspend or cancel the user’s access to the platform without prior notice and reject any present or future use of the services, or part of them.
By accepting the terms of these Terms and Conditions of Use, the user acknowledges and agrees that the collection, use, and processing of their data will be carried out, such as (i) Registration Data: Name, phone, email, CPF (Brazilian taxpayer identification number), date of birth, address, gender, RG (number and issuance date), full name of father and mother; (ii) Desired negotiation data: (iii) Employment relationship data: If you work or have worked under a labor contract in the last 5 years; if you have withdrawn part or all of your FGTS, if you have a balance greater than 400 in your FGTS account; bank, account, and branch where you wish to receive the loan; (iv) Data about the pension benefit: Profile (retiree/pensioner, public servant, armed forces, etc.); Type of benefit received (retirement, pension, etc.); Value of the benefit received; Benefit enrollment; State, bank, account, and branch receiving the benefit; (v) Data about possible collateral for loans: If you have a vehicle in your name; if you have property in your name; its value; address of the property to be used as collateral;