Legal Notice & Disclosures

This Legal Notice applies to the U.S. edition of this website (https://finvyu.com/us/) and is provided to identify the site operator and disclose material relationships in accordance with FTC guidance (16 CFR Part 255, “Guides Concerning the Use of Endorsements and Testimonials in Advertising”).
Site Operator:
WASD MÍDIA DIGITAL LTDA
Entity type: Sociedade Limitada (LTDA), organized under the laws of Brazil
Foreign tax ID (CNPJ): 41.726.154/0001-42
Registered address:
Rua Rio Comprido 652, Riacho das Pedras
32280-070 Contagem, MG, Brazil
Legal representative:
Gregory Brayan
Contact:
Email: contato@finvyu.com
Phone: +55 31 97231-0317
Website: https://finvyu.com/us/
Note: WASD MÍDIA DIGITAL LTDA is a company organized in Brazil. It does not maintain a physical office or registered agent in the United States and is not incorporated in any U.S. state. It does not hold a U.S. Employer Identification Number (EIN); the applicable tax identification is the Brazilian CNPJ listed above.

Nature of the Site

Finvyu is an independent content and comparison platform covering personal finance topics (credit cards, loans, taxes, and consumer money-saving tips) for a U.S. audience.
Important: Finvyu is not a bank, lender, credit union, credit repair organization, debt settlement company, or financial institution of any kind. Finvyu does not make loans, extend credit, or broker loan applications directly, and is not registered with or licensed by any state banking or lending regulator, the Consumer Financial Protection Bureau (CFPB), or any other financial regulatory body. References to third-party financial products (credit cards, personal loans, etc.) are for informational and comparison purposes only and do not constitute an offer, approval, or guarantee of credit.

Advertising & Affiliate Disclosure (FTC Compliance)

Free to use: Access to Finvyu’s content is 100% free. We never charge users for information, recommendations, or access to any content on this site.
How we make money: This site is supported exclusively by programmatic advertising. We have no affiliate partnerships or commercial relationships with the financial product providers mentioned in our content, and we do not receive any compensation for applications users submit to those providers.
Editorial independence: Content is researched and written independently. The order in which products or offers appear is determined solely by our editorial team based on verified information. Sponsored or promotional content is clearly labeled as such.

No Financial, Legal, or Tax Advice

Content on this site is provided for general informational and educational purposes only. Nothing on this site constitutes individualized financial, investment, legal, or tax advice. Users should consult a licensed professional (financial advisor, attorney, or tax preparer) before making financial decisions. Tax-related content is not a substitute for guidance from the IRS or a qualified tax professional.

AI-Assisted Content

Some articles and images on this site may be created with the assistance of artificial intelligence tools. All content is reviewed and edited by our editorial team prior to publication. We do not guarantee that all information is free of error or reflects the most recent market changes; users should verify current rates and terms directly with the relevant financial institution before applying.

Intellectual Property

All content on this site (text, images, logos, and design) is the property of WASD MÍDIA DIGITAL LTDA or third parties who have authorized its use, and is protected under U.S. and international copyright and trademark law. Unauthorized reproduction, distribution, or public display is prohibited without prior written consent.

Disclaimer of Liability

WASD MÍDIA DIGITAL LTDA does not guarantee the accuracy, completeness, or timeliness of the information published on this site, including rates, terms, and conditions of third-party financial products, which are subject to change without notice by the provider. WASD MÍDIA DIGITAL LTDA is not responsible for decisions made by users based on this information, nor for the content of third-party websites linked from this site.

Governing Law

This Legal Notice is governed by applicable U.S. federal law and, where relevant, the law of the state in which the user resides for consumer protection purposes. Nothing in this notice limits any non-waivable rights a user may have under applicable state consumer protection law.

Privacy & Data Protection

This site collects and processes personal data in accordance with applicable U.S. state privacy laws, including the California Consumer Privacy Act (CCPA/CPRA) where applicable to California residents. For details on data collection, cookies, and user rights, see our Privacy Policy.

Changes

We reserve the right to modify this Legal Notice at any time to reflect legal or operational changes. Last updated: August 2026.