Terms and Conditions
Last Updated: October 20, 2026
Welcome to AquaHow. These Terms and Conditions govern access to and use of the website located at aquahow.com.
By accessing or using the website, you agree to these Terms and Conditions to the extent permitted by applicable law. If you do not agree, please discontinue use of the website.
1. About AquaHow
AquaHow is an independent informational website operated by International Publishers Company (IPC), a company established in Brazil.
We publish educational and editorial content about credit cards, loans, insurance, personal finance, and social assistance programs.
AquaHow is not a financial institution, insurance provider, lender, government agency, or financial advisory service.
2. Informational Purpose
All content published on AquaHow is intended for general informational and educational purposes.
Our articles do not constitute personalized financial, investment, insurance, legal, tax, or other professional advice.
Users are responsible for evaluating whether the information is appropriate for their circumstances and should seek qualified professional assistance when necessary.
3. Accuracy of Information
We aim to provide clear and useful information. However, financial products, eligibility criteria, interest rates, fees, regulations, and government assistance programs may change without prior notice.
We do not guarantee that all published information will always be complete, current, or free from errors.
Users should verify relevant information directly with official providers, institutions, and government agencies before making financial decisions.
4. Financial Products and Services
AquaHow does not directly offer, approve, issue, or administer credit cards, loans, insurance policies, or financial products.
Any application, assessment, approval, contract, or financial transaction is the responsibility of the relevant third-party provider.
We do not guarantee approval, specific interest rates, credit limits, insurance coverage, or financial outcomes.
5. Government Benefits and Assistance Programs
Information about social benefits and government assistance programs is provided for educational purposes.
AquaHow is not affiliated with any government agency unless an affiliation is expressly and accurately disclosed.
We do not process applications, determine eligibility, or distribute government benefits.
Official eligibility requirements and application procedures must be confirmed through the responsible government institution.
6. Acceptable Use
Users agree not to:
- Use the website for unlawful or fraudulent activities.
- Attempt unauthorized access to website systems or infrastructure.
- Distribute malware or malicious code through the website.
- Interfere with the website’s operation or security.
- Copy, reproduce, or commercially redistribute protected content without authorization, except where permitted by law.
7. Intellectual Property
Unless otherwise stated, the original content, branding, graphics, and editorial materials published on AquaHow belong to International Publishers Company or their respective rights holders.
Third-party trademarks, logos, product names, and brand references remain the property of their respective owners.
References to third-party brands do not necessarily imply sponsorship, endorsement, or affiliation.
8. External Links
AquaHow may include links to third-party websites for informational purposes.
We do not control the content, availability, privacy practices, or commercial conditions of external websites.
Users access external websites at their own discretion and should review the relevant terms and policies before providing personal information or entering into agreements.
9. Advertising and Commercial Relationships
The website may display third-party advertisements, including advertisements delivered through Google AdSense or similar advertising platforms.
We may also participate in advertising partnerships or referral arrangements.
Advertising content is the responsibility of the relevant advertiser, subject to applicable law and our own obligations as a website operator.
Paid relationships and sponsored content will be disclosed where required.
10. Availability of the Website
We may update, modify, suspend, or discontinue website content or functionality when necessary.
We do not guarantee uninterrupted access to the website or the permanent availability of specific articles or services.
11. Limitation of Liability
To the maximum extent permitted by applicable law, AquaHow and its operator are not liable for losses resulting solely from reliance on general informational content, interruptions outside our reasonable control, or independent actions of third-party providers.
Nothing in these Terms excludes or limits liability or consumer rights that cannot lawfully be excluded or limited.
12. Privacy
Information about personal data processing and cookies is available in our Privacy Policy.
13. Changes to These Terms
We may revise these Terms and Conditions to reflect operational, editorial, or legal changes.
The updated version will be published on this page with a revised date when appropriate.
14. Applicable Law
These Terms are governed by applicable Brazilian law, without prejudice to mandatory consumer protection and privacy rights that may apply to users in other jurisdictions.
15. Contact
For questions regarding these Terms and Conditions, contact: [email protected]