Last Updated: July 6, 2026.
Direct Capital, available at https://capitaldireto.com/Minuto Vip OÜ is an informational content platform focused on the world of finance, financial education, and topics related to the economic market. The website is operated by Minuto Vip OÜ, a limited company registered in the Republic of Estonia (Registration Code: 16698741), located at Rotermanni Street tn 14-32, Tallinn 10111, Harju, Estonia.
For legal and data protection purposes, Minuto Vip OÜ acts as the data controller for the personal information collected during the use of the platform, as described in our Privacy Policy. Capital Direto aims to provide accessible, educational, and research-based content on personal finance, credit, investments, economics, financial products, and other topics that may help users in their pursuit of greater financial knowledge and organization.
Our mission is to offer clear and relevant information to people who want to better understand how the financial market works, make more informed decisions, and find guidance on different alternatives available in the economic landscape. The content we publish covers topics such as financial planning, loans, credit cards, investments, banks, economics, and strategies for improving one's relationship with money.
Capital Direto is developed and managed by an editorial team responsible for creating, reviewing, and updating published materials. Our articles, guides, and analyses are produced from independent research, consultations with public sources, and internal verification processes, aiming to offer useful and reliable information to platform visitors.
By accessing and using Capital Direto, you agree to the terms, conditions, and guidelines set forth in this document, as well as other policies available on our website. In this Terms of Use, the expressions "we," "our," and "us" refer exclusively to Capital Direto and the operation of the platform.
Capital Direto acts exclusively as a source of financial information and education. Although we present content about products, services, financial institutions, and opportunities available in the market, we do not directly offer loans, investments, banking services, financial consulting, or any other financial product. We also do not act as intermediaries between users and companies mentioned in our content.
The information presented on our platform is for educational and informational purposes only. Each user should assess their own financial situation, needs, and objectives before making any decisions related to money, financial products, or contracts with third parties. The content published by Capital Direto does not replace personalized professional advice provided by duly qualified experts.
Our platform was created to serve different user profiles, from people seeking to improve their knowledge of personal finance to those interested in better understanding credit options, investments, financial organization, and economic trends. Regardless of your level of knowledge, we aim to present practical information that contributes to a broader understanding of the financial world.
We are also committed to protecting and securing the information of our visitors. Our Privacy Policy is available at [link to Privacy Policy]. https://capitaldireto.com/politica-privacidade/This section details how we collect, use, store, and protect personal data while you browse the website, in accordance with applicable privacy standards and regulations.
These Terms of Use establish the conditions for using Capital Direto, including user rights and responsibilities, limitations of liability, rules for accessing content, and other legal provisions related to the use of the platform. We recommend that all visitors carefully read this document before using the resources and information provided by the website.
PLEASE READ OUR TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THE CLAUSES SET FORTH HEREIN, WE STRONGLY RECOMMEND THAT YOU DO NOT USE ANY OF THE SERVICES OFFERED BY CAPITAL DIRETO.
Article I – User Agreement
1.1 When accessing the Capital Direto platform in https://capitaldireto.comBy using this platform, you acknowledge that you have carefully read, fully understood, and expressly agreed to be bound by our Terms of Use and Privacy Policy. These documents serve as the legal basis governing your access to and use of the content, services, and features provided by Capital Direto.
1.2 By using this website, you also confirm that you meet all legal requirements to enter into binding agreements and are at least 18 years of age. Your continued use of Capital Direto constitutes your clear and voluntary acceptance of the terms, guidelines, and conditions applicable to this platform.
1.3 If you do not meet the eligibility criteria or do not agree with any part of our Terms of Use or Privacy Policy, you must immediately discontinue use of the Capital Direto website and any associated services, features, or resources.
Article II – Communication and Support
2.1 Capital Direto provides official communication channels to help users seek assistance, provide feedback, or submit questions related to the platform's informational content.
2.2 If you need support, wish to report a problem, or have suggestions for improvement, we encourage you to contact us directly through our official contact form at [website address]. https://capitaldireto.com/contatoThis method ensures your message is directed to the appropriate team and allows us to provide an accurate and timely response.
3.1 By accessing and using Capital Direto, the user declares to agree to these Terms of Use and the Privacy Policy available on our platform. It is the responsibility of each visitor to consult, understand, and follow the conditions established in these documents before using any content, resource, or functionality made available by the website.
3.2 Capital Direto may provide links, references, or redirects to third-party websites, platforms, tools, and services related to the topics covered in our content. These materials are presented solely as a supplementary source of information and do not imply that Capital Direto has control, commercial ties, partnerships, approval, or responsibility over the external pages mentioned.
3.3 If the user chooses to access external platforms, services, or pages indicated through Capital Direto, this interaction will be carried out at their own risk. We recommend that visitors review the terms of use, privacy policies, and conditions offered by these third parties before providing personal information, registering, or contracting any service.
3.4 Capital Direto is not responsible for the content published, privacy practices, security, operation, availability, or conditions presented by third-party websites and services. We also do not participate in negotiations, contracts, solicitations, or any type of relationship established between users and external companies. Any interactions carried out outside of our platform are the sole responsibility of the parties involved.
3.5 Each user is responsible for keeping their own devices, accounts, and information protected against potential digital threats, including viruses, malware, fraud attempts, phishing, or unauthorized access. Capital Direto cannot be held liable for damages resulting from security breaches in personal devices, actions of third parties, or events beyond our control.
3.6 Although we take measures to keep Capital Direto accessible, secure, and functional, we do not guarantee that the platform will be continuously available or free from interruptions. Technical problems, server failures, updates, maintenance, cyberattacks, or unexpected situations may temporarily affect the site's operation. In these circumstances, we assume no responsibility for any losses resulting from such unavailability.
3.7 Capital Direto provides its informational content free of charge to users. We do not charge for access to articles, guides, or published materials, we do not offer paid subscription plans, and we do not solicit payments, donations, or financial contributions directly from visitors. Any communication requesting money on behalf of Capital Direto should be considered suspicious and reported immediately to our team.
3.8 To protect your digital security, we recommend that users exercise caution when receiving messages, emails, or communications claiming to represent Capital Direto. Avoid accessing unknown links, opening suspicious files, or sharing personal information without verifying the authenticity of the request. If you receive a suspicious communication in the name of our platform, please contact us using the form available at [link to contact form]. https://capitaldireto.com/contato/ so that we can analyze the situation.
Article IV – Prohibited Conduct
To maintain a safe, respectful, and professional environment for all users, Capital Direto strictly prohibits the following actions and behaviors on its platform:
Involvement in Illegal Activities
Users must not use Capital Direto to plan, promote, or engage in any illegal conduct, whether directly or indirectly. The platform cannot be used to facilitate or encourage illegal behavior of any kind.
Violation of Applicable Laws and Regulations
All individuals using Capital Direto must comply with local, state, federal, and international laws. Violations of legal norms during interaction with our content or services are taken seriously and will be dealt with accordingly.
Violation of Intellectual Property Rights
The content on Capital Direto is protected by intellectual property laws. Users may not reproduce, modify, publish, or distribute any material from the platform without explicit permission. This includes copyrighted articles, brand visuals, and proprietary research.
Harassment, Discrimination and Defamatory Speech
We do not tolerate any form of harassment, abuse, or hate speech on our platform. This includes directing attacks at individuals or groups based on race, gender, religion, nationality, sexual orientation, disability, or any other identity characteristic. Defamatory, abusive, or threatening language is also prohibited.
Distribution of False or Misleading Information
Users may not share or promote intentionally misleading content. All interactions on Capital Direto — whether comments, messages, or submissions — must reflect a good-faith effort to be truthful and accurate.
Introduction of Malicious Code or Harmful Software
It is strictly forbidden to upload, link to, or distribute any form of malware, viruses, spyware, ransomware, or unauthorized tracking tools. Such activity will result in immediate action, including removal from the platform and possible legal consequences.
Misuse of Personal Data
Collecting, storing, or sharing another person's personal information without explicit consent is not permitted. All users must follow data privacy regulations and ethical guidelines in all interactions.
Fraudulent, deceptive, or impersonating activities
Actions such as identity theft, impersonating other individuals or organizations, phishing, creating fake profiles, or sending deceptive solicitations are strictly prohibited.
Publishing Obscene, Graphic, or Inappropriate Content
Users should not post material that includes sexually explicit content, extreme violence, or other offensive material that violates community standards or is deemed inappropriate for a professional environment.
Interference with the Security or Functionality of the Platform
Attempts to hack, reverse engineer, disable, or circumvent Capital Direto's security features or infrastructure are expressly prohibited. Unauthorized access to our systems will be treated as a serious violation.
Failure to comply with any of the above conduct guidelines may result in temporary suspension or permanent removal from Capital Direto services. In cases involving significant risk or illegality, Capital Direto reserves the right to notify the competent legal authorities and take legal action when appropriate.
Article V – Disclaimer of Warranties and Limitation of Liability
At Capital Direto, we strive to offer an informative, reliable, and organized experience for users interested in better understanding the financial world. Our team works continuously to produce relevant, clear, and up-to-date content. However, we cannot guarantee that all information will always be free from changes, errors, technical unavailability, or any inconsistencies.
All content, educational materials, tools, and resources provided by Capital Direto are offered exclusively for informational purposes, without any express or implied guarantee as to the absolute accuracy, completeness, suitability, or practical application of the information presented. While we strive to maintain a high editorial standard, Capital Direto is not responsible for financial, commercial, personal, or any other decisions made based on the content published on our platform.
Capital Direto reserves the right to modify, update, limit, suspend, or remove any content, functionality, section, or feature available on the website at any time, according to internal criteria and operational needs of the platform. These changes may occur without prior notice and aim to maintain the quality, security, and relevance of the information provided.
By using Capital Direto, the user acknowledges that access to the platform is voluntary and at their own risk. All content is provided "as is" and "as available," within the limits permitted by applicable law. Therefore, we do not guarantee that:
- The information published will fully meet the expectations, specific needs, or individual goals of each user.
- The website will remain continuously available, without interruptions, technical failures, delays, or access limitations.
- All content will be permanently updated with regard to recent changes in laws, regulations, economic policies, market conditions, or financial products.
- Information presented by websites, companies, financial institutions, or external platforms mentioned in our content will always be complete, accurate, and up-to-date.
- Links, references, or indications from third parties do not represent endorsement, official recommendation, or guarantee of results on the part of Capital Direto.
Capital Direto, its editorial team, contributors, technical partners, service providers, and others involved in maintaining the platform cannot be held liable for direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the website or its content.
This includes, but is not limited to:
- Financial losses, incorrect decisions, or consequences arising from the interpretation or application of information found in our articles, analyses, or guides.
- Loss of data, time, productivity, or other damages related to accessing or using the platform.
- Technical problems, malfunctions, temporary interruptions, or navigation difficulties caused by external factors or factors beyond our control.
- Results obtained or not obtained after accessing third-party products, services, financial institutions, or platforms mentioned in our content.
- Legal, financial, personal, or professional consequences related to decisions made based on information provided by Capital Direto.
These limitations of liability apply regardless of the nature of the claim, request, or alleged damage, even when Capital Direto has been previously informed of the possibility of such situations occurring.
By continuing to browse and use Capital Direto, the user declares to understand and accept that the content provided is exclusively educational and informative in nature. The platform does not replace individual analysis, professional guidance, or personalized assessment before making financial decisions.
Article VI – Duration and Legal Term
All terms described in the Capital Direto Terms of Use remain legally binding and in full effect throughout the entire period of use of the platform by any user. These provisions apply continuously and are not limited to a single session or type of interaction. They will remain applicable unless Capital Direto formally updates, amends, or revokes them through an official notice or revision published on [website/platform name]. https://capitaldireto.com.
In the event of a dispute, complaint, or legal issue related to your use of Capital Direto — including matters involving our Privacy Policy — users must initiate any formal claim or legal action within 90 calendar days from the date the problem first occurred. Claims submitted after this period may be deemed ineligible under applicable law and dismissed as being out of time.
This timeframe aims to encourage communication and rapid problem resolution while relevant details remain current, reliable, and verifiable, promoting a more efficient and fair handling of any dispute.
Article VII – Applicable Law and Jurisdiction
The interpretation, application, and continued validity of Capital Direto's Terms of Use and Privacy Policy will be governed by applicable United States federal laws and state laws pertaining to digital content platforms, consumer protection, and online data processing.
Any dispute, lawsuit, or legal proceeding arising from a user's interaction with Capital Direto will be under the exclusive jurisdiction of the competent courts authorized to oversee such matters within the appropriate legal territory.
By using Capital Direto, you expressly agree that any claims or legal proceedings will be resolved in accordance with applicable laws. You also acknowledge that all jurisdictional matters relating to Capital Direto will be subject to the legal framework governing digital services and online information platforms in the United States.
Article VIII – Intellectual Property and Content Rights
8.1 Content Ownership and Rights
All original materials published on Capital Direto — including written articles, data analyses, graphics, icons, logos, design elements, customized features, videos, trademarks, and brand identifiers — are protected by applicable intellectual property laws. These assets are the exclusive property of Capital Direto or its officially licensed collaborators.
Unauthorized use of any part of the platform's content — including copying, editing, translating, transmitting, distributing, displaying, or reproducing any material without prior written permission — is strictly prohibited.
8.2 Limitation of Liability
Capital Direto is not responsible for the accuracy, intent, or impact of any third-party or user-generated content that may appear or be referenced on the platform. This includes, but is not limited to, external comments, embedded media, external links, or associated discussions.
Users acknowledge that any reliance on such content is entirely at their own risk. Capital Direto disclaims all liability for damages, inaccurate information, or losses—whether direct, indirect, incidental, or consequential—resulting from interactions with third-party materials.
8.3 Handling Content Violations
Capital Direto reserves the unrestricted right to review, remove, restrict, or block any content deemed to violate platform policies or legal obligations. This includes material considered misleading, illegal, plagiarized, offensive, defamatory, or otherwise inappropriate.
Actions may include content removal, temporary user suspension, or permanent revocation of platform access. Repeated or serious violations may lead to formal warnings or additional legal action, where applicable.
Article IX – Amendments to the Terms and Conditions
Capital Direto retains full authority to revise, modify, update, or discontinue any section of its Terms of Use, Privacy Policy, or platform services at any time without prior notice. These revisions may reflect changes in legal regulations, feature updates, operational decisions, or broader platform restructuring.
It is the responsibility of each user to periodically review our terms to stay informed about updates. By continuing to access or use Capital Direto after changes are implemented, users explicitly agree to the revised terms and conditions.
Capital Direto will not be held liable for any inconvenience, data loss, user dissatisfaction, or service interruption that may result from such updates, feature removals, or total or partial discontinuation of services.
If you do not agree with any updates to the Terms or changes to the platform, you must immediately discontinue all use of Capital Direto and its associated services.
Article X – Contact Information
If you have questions about these Terms, need assistance with platform features, or wish to provide general feedback about Capital Direto, we encourage you to contact us through our official page:
📌https://capitaldireto.com/contato
We receive inquiries, support requests, bug reports, and constructive suggestions. While we strive to respond to all communications promptly and respectfully, response times may vary depending on the complexity and nature of your request.
