Last updated: October 7, 2026
These Terms of Use govern your use of saldohoje.com.br ("SaldoHoje" or the "site"). By using the site you agree to these terms. If you do not agree, please do not use the site.
1. Who operates the site
SaldoHoje is operated by TRC ADS, LLC, a Wyoming limited liability company (Wyoming Company No. 2026-001995276), with its mailing address at 7345 W Sand Lake Rd, Ste 210, Office 8699, Orlando, FL 32819, United States ("we", "us" or "our"). Email: [email protected].
2. What SaldoHoje is, and what it is not
SaldoHoje publishes free informational articles and guides about courses and education, credit, loans and everyday personal finance. The content is general information, written to help you understand your options and where to find official details.
- We are an independent publisher. We are not a bank, lender, broker, school, university, course provider or government agency, and we have no affiliation with the brands, institutions or agencies mentioned in our articles unless we say so clearly on the page.
- We do not sell products, courses, certificates or credit, we do not collect applications, and we never ask you to pay anything to read our content or to access a benefit, loan, course or job.
- Nothing on the site is financial, legal, tax or professional advice. Rates, rules, fees and availability change; always confirm the details with the official provider or agency before making a decision.
3. Using the site
You may read, share links to and print our pages for personal, non-commercial use. You agree not to:
- copy, republish or sell our content without our written permission;
- use robots, scrapers or automated tools that overload the site or collect content in bulk;
- click on ads in an artificial way, or ask or encourage others to do so;
- try to break, disrupt or bypass the security of the site, or use it for anything unlawful.
4. Advertising and third-party links
SaldoHoje is free because it shows ads, served by Google and by our advertising partner ActiveView Inc. Ads are clearly separated from our content. Some pages offer optional content that unlocks after an ad is shown; you can always choose not to unlock it and keep reading the rest of the site. We have only partial control over which ads are displayed and we are not responsible for the products or services offered in them.
Our articles may link to official websites and other third-party sites. We do not control those sites and are not responsible for their content, offers or privacy practices. Their own terms and policies apply when you visit them.
5. Your privacy
How we collect and use information, which partners are involved and how to turn off personalized ads is explained in our Privacy Policy, together with our Cookie Policy and our Your Privacy Rights page. The Privacy Policy is part of these Terms of Use.
6. Intellectual property
The texts, layout, illustrations and the SaldoHoje name and logo belong to TRC ADS, LLC or its licensors. Trade names and trademarks of other companies that appear in our articles belong to their owners and are mentioned only to identify them.
7. Accuracy and changes to the content
We work to keep our articles accurate and up to date, cite official sources where it matters and correct errors when we find them. Even so, content may become outdated or contain mistakes, and we may change or remove any page at any time without notice. If you find an error, please tell us at [email protected].
8. Disclaimer and limitation of liability
The site is provided "as is" and "as available", without warranties of any kind, express or implied, to the fullest extent permitted by law. To the fullest extent permitted by law, TRC ADS, LLC is not liable for any indirect, incidental or consequential damages, or for any loss arising from decisions made on the basis of information on the site, from ads, or from third-party websites. Nothing in these terms limits liability that cannot be limited under the law that applies to you.
9. Governing law and jurisdiction
These Terms of Use are governed by the laws of the State of Wyoming, United States, without regard to its conflict of law rules. Any dispute relating to the site or these terms will be brought exclusively in the state or federal courts located in the State of Wyoming, United States, and you and we consent to their jurisdiction. If you are a consumer in the European Union or the United Kingdom, you also keep the protection of the mandatory laws of your country of residence and may bring a claim in the courts of that country.
10. Changes to these terms
We may update these terms when the site or the law changes. The "Last updated" date at the top shows the current version, and the version published on this page is the one that applies.
11. Contact
TRC ADS, LLC (SaldoHoje)
7345 W Sand Lake Rd, Ste 210, Office 8699, Orlando, FL 32819, United States
Email: [email protected]