Privacy Policy

Your privacy is important to us. Universo Família's policy is to respect your privacy regarding any information we may collect from you on the website. Universo Família and at other sites that we own and operate.

We only request personal information when it is strictly necessary to provide you with a service. We do so fairly and legally, with your knowledge and consent. We also inform you about the reason for collecting your information and how it will be used.

We only retain collected information for as long as necessary to provide the requested service. When storing data, we protect it using commercially acceptable measures to prevent loss, theft, unauthorized access, disclosure, copying, use, or modification.

We do not share personally identifiable information publicly or with third parties, except when required by law.

Our website may contain links to external sites that we do not manage. Please be aware that we have no control over the content or practices of these sites and cannot be held responsible for their respective terms.  privacy policies .

You are free to refuse our request for personal information, understanding that, in that case, we may not be able to provide you with some of the services you want.

Continued use of our website constitutes acceptance of our privacy and personal information practices. If you have any questions about how we handle user data and personal information, please contact us.

  • The Google AdSense service we use to display advertising uses a cookie. DoubleClick to offer more relevant ads on the web and limit the number of times a particular ad is shown to you.
  • For more information about Google AdSenseConsult the Google AdSense privacy FAQs.
  • We use advertising to cover the maintenance costs of this website and to fund its future development. The behavioral advertising cookies used by this site are designed to show you the most relevant ads possible by anonymously tracking your interests and presenting similar content that may be of interest to you.
  • Several partners advertise on our behalf, and affiliate tracking cookies simply allow us to see if our customers accessed the site through one of our partner sites, so that we can attribute appropriate credit to them and, where appropriate, allow our affiliate partners to offer promotions they may provide to encourage you to make a purchase.

User engagement

The user agrees to make appropriate use of the content and information that Universo Família offers on the website, including, but not limited to:

  • A) Not to participate in activities that are illegal or contrary to good faith and public order;
  • B) Do not disseminate propaganda or content of a racist or xenophobic nature, related to gambling or games of chance, any type of illegal pornography, or that promotes terrorism or violates human rights;
  • C) Not to cause damage to the physical (hardware) and logical (software) systems of Universo Família, its suppliers or third parties, by introducing or spreading computer viruses or any other hardware or software system capable of causing the aforementioned damage.

More information

We hope this is clear and, as mentioned, if you have any doubts about whether you need something or not, it is generally safer to leave cookies enabled in case you interact with any of the features you use on our website.

This policy will come into effect on November 4, 2025 at 2:45 p.m.

Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers appear on our site. also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in representations or warranties in connection thereto, nor to the accuracy or applicability thereof.