Terms of use

Updated on February 6, 2026.

The Lord Courses, available at https://senhorcursos.com/ It is operated by IndieTech OÜ, a private limited company registered in the Republic of Estonia (Registration Code: 14805865), with its registered office at Keemia tn 4, 10616, Harju, Estonia. The platform offers independent content, produced based on research and analysis, focusing on financial information, accessible explanations of banking products, comparison of services available on the market, and practical guidance to help you better understand your options. Our articles are developed to facilitate navigation through the world of finance, covering topics such as digital accounts, cards, financial organization, loans, investment products, and useful tools, always based on official and verified sources.

We believe that understanding how to effectively evaluate, compare, and manage financial products directly contributes to safer and more well-informed decisions. Whether researching account options, seeking information about credit, evaluating alternatives for saving money, or learning how to use planning tools, Senhor Cursos offers accessible information to help you understand terms, functionalities, and benefits in a practical way. Our mission is to make the world of finance more transparent, reliable, and truly useful for those seeking solutions that meet their needs.

Notice regarding International Content: Senhor Cursos operates from Estonia, within the European Union, and all content is created considering this context. Our editorial material may mention financial practices, widely known services, or regulatory environments from regions such as the United States, Brazil, South Africa, or other jurisdictions. Each country follows its own legal norms, market rules, and banking standards, which may differ significantly from the guidelines applicable in Estonia or within the European Union.

The information published on this website is intended for a broad international audience and is not tailored to the legal requirements of any specific region. Financial laws, operating rules, tax requirements, and regulations may vary depending on where you reside.

Senhor Cursos does not represent that the content presented on this website is suitable, compatible, or available for use in your jurisdiction. We recommend that you consult local legislation or seek qualified professionals to ensure that the information aligns with the rules and practices applicable to your country of residence.

All content published on this platform is developed by the independent editorial team of Senhor Cursos. From detailed guides on financial products and practical tutorials to comparative analyses and in-depth explanations, everything you find here is created without brand interference or commercial influence. Our work is carefully reviewed and designed for those seeking clear, reliable, and understandable information in a market marked by an excess of technical terms and inaccessible communication. Our goal is to eliminate confusion from financial research by offering direct, contextualized explanations based on verified data.

By using Senhor Cursos, you agree to the policies, notices, and terms of use presented on our platform. In this document and on our website, the terms "we," "our," and "us" refer exclusively to Senhor Cursos and the team responsible for its editorial production.

Although some articles mention specific products, widely publicized financial services, or publicly available tools, we do not sell, manage, or endorse any financial offerings. We have no affiliation with banks, fintechs, regulatory institutions, or companies mentioned in our content. Senhor Cursos does not provide quotes, individualized consulting, or personalized recommendations. We also do not offer customer support for external services, nor do we participate in sponsorships, affiliate programs, or paid promotional activities.

Our work is exclusively informative. All published content is the result of research, public data, and carefully analyzed information, with the goal of helping you better understand financial products, functionalities, and concepts. When we mention a card, a control tool, a digital account, or any other service, we do so only to contextualize the topic and illustrate its operation. We recommend that readers confirm details directly on official websites or with authorized representatives before making any financial decisions. Senhor Cursos does not receive commissions, payments, or incentives for mentioning products or companies. All references are included exclusively for educational purposes.

Our articles are aimed at readers who want to better understand the financial world — from people who are just starting to organize their finances to those who already use banking products and are looking to compare options, optimize choices, or keep up with market changes. If you want to learn how fees, limits, control tools, credit terms, or relevant updates on financial products work, our content aims to offer practical, unbiased, and easy-to-follow information. Our purpose is to help you make more informed and balanced decisions — one analysis, comparison, or update at a time.

We respect your privacy. See our [Privacy Policy/Courtesy]. Privacy Policy To understand how your personal data is collected, stored, and used when you visit or interact with our website. We comply with applicable data protection regulations and will never sell or misuse your information.

Senhor Cursos is funded by advertising displayed through Google AdSense, which ensures that our content remains free for all readers. These ads are managed automatically by Google and appear clearly separate from our editorial material. We do not receive commissions for registrations, requests, or contracts related to financial services displayed in ads. Our editorial production remains completely independent and free from commercial influence.

For a complete understanding of how our site should be used, including platform limitations and our responsibilities as an independent information resource, please consult our Terms of Use. These terms explain what you can expect from Senhor Cursos, how to interact with our content responsibly, and what we offer—and do not offer—as a platform.

Copyright Notice: All content, structure and materials present in https://senhorcursos.com/ Our work is protected by copyright law. You may quote our materials provided you give proper credit and include a direct link to the original source. Unauthorised reproduction or redistribution is prohibited. Logos, names, trademarks and third-party materials mentioned in the articles belong to their respective owners and are used solely for identification and informational purposes, as permitted by fair use.

Please read our Terms of Use carefully. If you do not agree with any part of these terms, please do not use Senhor Cursos or any of its services.

1.1 When accessing the Senhor Cursos platform in https://senhorcursos.com/By doing so, you confirm that you have read, understood, and accepted the Terms of Use and Privacy Policy. These documents establish the legal framework governing your access to and interaction with all content, resources, and services offered by Senhor Cursos.

1.2 By using this website, you also represent that you have the legal capacity to enter into binding agreements and that you are at least 16 years of age. Your continued use of the platform constitutes your informed and voluntary acceptance of all applicable terms, policies, and conditions.

1.3 If you do not meet the eligibility criteria or do not agree with any part of the Terms of Use or Privacy Policy, you must immediately discontinue use of the Senhor Cursos website and all associated services, tools, and content.

2.1 Senhor Cursos provides specific communication channels for users seeking assistance, wishing to send feedback, or intending to ask questions related to the platform and the informational content offered.

2.2 For support requests, problem reports, or general suggestions, we encourage users to contact us through our official form at [website address]. Contact – Mr. CoursesUsing this form ensures your message is routed correctly and allows our team to respond efficiently and accurately.

3.1 All users accessing the Senhor Cursos platform must review and accept the Terms of Use and Privacy Policy before continuing to interact with the site. Each user is individually responsible for understanding and complying with the terms established in these documents when using any part of the platform and its associated resources.

3.2 Senhor Cursos may include hyperlinks to external websites or digital services for the convenience of users. These third-party links are provided strictly for informational purposes. Senhor Cursos does not own, operate, sponsor, or formally endorse any third-party content, service, or platform that may be mentioned.

3.3 Users who choose to access or interact with external platforms linked by Senhor Cursos do so at their own discretion and assume full responsibility for reviewing the applicable terms, privacy practices, and security protocols adopted by these external entities.

3.4 Senhor Cursos assumes no responsibility for the operations, accuracy, data handling practices, or legal policies of any third-party website. We do not participate in or supervise transactions, communications, or agreements that may occur between users and external services. Such interactions are conducted entirely at the user's own risk.

3.5 Senhor Cursos uses advertising services, such as Google AdSense, to support the maintenance and production of free content. The presence of advertisements on our portal is strictly commercial and does not represent, under any circumstances, endorsement, partnership, or editorial affiliation between Senhor Cursos and the advertised brands, products, or services. Our editorial content is produced independently and impartially, without influence or connection to advertisers. Senhor Cursos is not responsible for the content, offers, or privacy policies of third-party websites accessed through these advertisements. Any interaction with advertisements is the sole responsibility of the user.

3.6 Although Senhor Cursos does not directly sell users' personal data, the use of automated advertising services, such as Google AdSense, may involve sharing data for behavioral advertising purposes across different contexts. Some state laws, such as the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), may classify this process as a "sale" or "sharing." For detailed information about our data practices and how to exercise your rights, including the right to opt out of the "sale" or "sharing" of personal information, please see our Privacy Policy.

3.7 Users are solely responsible for protecting their devices, personal data, and browsing environment against cyber threats, including but not limited to malware, phishing, spyware, and unauthorized access. Senhor Cursos disclaims all liability for any damages or losses arising from third-party threats or technical vulnerabilities beyond our direct control.

3.8 While reasonable efforts are made to maintain the stability and reliability of the Senhor Cursos platform, we cannot guarantee continuous or error-free operation. Users may occasionally experience service interruptions, technical problems, or delays caused by factors beyond our control, such as system failures or malicious cyberattacks. We are not responsible for any inconvenience or data loss resulting from these situations.

3.9 Access to Senhor Cursos is provided free of charge. We do not solicit donations, offer subscription plans, or collect payments for the use of our informational content. Any payment request presented as coming from Senhor Cursos should be considered fraudulent and reported immediately.

3.10 To protect against phishing, impersonation attempts, or fraudulent communications, users should remain vigilant. Avoid clicking on suspicious links or downloading unknown attachments. If you receive a message claiming to be from Senhor Cursos that causes concern, report it immediately using the official form at [website address]. Contact – Mr. Courses so that our team can investigate it.

To ensure a safe, respectful, and professionally managed environment, Senhor Cursos strictly prohibits the following actions and behaviors in all areas of its platform:

Engaging in Illegal Activities

Users must not use Senhor Cursos to conduct, promote, or support any activity that violates applicable laws. The platform cannot be used to facilitate, encourage, or coordinate any form of illegal behavior.

Violation of Legal Norms

All users must comply with local, national, and international laws and regulations. Any conduct that violates these standards while using the platform will be dealt with through appropriate corrective or legal action.

Violation of Intellectual Property Rights

All original content from Senhor Cursos is protected by intellectual property laws. Users may not copy, reproduce, modify, distribute, or republish any material—including articles, graphics, or proprietary information—without prior written authorization.

Harassment, Discrimination and Defamatory Conduct

Harassment, hate speech, and abusive behavior of any kind are strictly prohibited. This includes, but is not limited to, targeting individuals or groups based on race, ethnicity, gender, religion, sexual orientation, disability, or any protected status. Defamatory or threatening comments will not be tolerated.

Dissemination of False or Misleading Information

Users should not share content that they know to be false, misleading, or capable of causing error. All interactions—whether through comments, messages, or submissions—should reflect honest and accurate communication.

Distribution of Malicious Code

It is strictly forbidden to upload, link to, or distribute any type of unauthorized malware, spyware, ransomware, viruses, or tracking tools. Such actions will result in immediate suspension and may lead to legal consequences.

Misuse of Personal Information

Users may not collect, share, or misuse third-party personal data without clear and lawful consent. The platform requires all users to respect privacy laws and data protection standards.

Fraudulent or Deceptive Conduct

Impersonation, identity theft, phishing attempts, or the creation of fraudulent profiles and communications are prohibited. Any attempt to deceive other users or the platform will be considered a serious violation.

Publishing Inappropriate or Obscene Content

It is not permitted to publish content that includes sexually explicit material, graphic violence, or any other content considered offensive, harmful, or inappropriate for a professional environment.

Manipulation of Platform Integrity or Security

Users may not attempt to hack, disrupt, reverse engineer, or circumvent any technical, security, or operational function of Senhor Cursos. Unauthorized access to any part of the platform's infrastructure is strictly prohibited.

Violations of any of the above guidelines may result in temporary suspension or permanent removal from the platform. In cases involving security threats, significant damage, or illegal activity, Senhor Cursos reserves the right to notify the competent authorities and take legal action when appropriate.

Senhor Cursos is committed to maintaining a well-organized and reliable platform. While reasonable efforts are made to ensure that all materials are accurate, up-to-date, and accessible, we cannot guarantee that the platform will be free from technical problems, delays, inaccuracies, or interruptions at all times.

All information, tools, and resources provided by Senhor Cursos are offered "as is" and "as available," without any express or implied warranties. This includes, but is not limited to, warranties of accuracy, reliability, completeness, usefulness, merchantability, fitness for a particular purpose, or non-infringement. Users are solely responsible for how they interpret, use, or act upon the content presented.

We reserve the right to update, modify, suspend, restrict, or discontinue any section, service, or functionality of the platform at our sole discretion without prior notice. This may include adding, removing, or revising content or features at any time.

By accessing and using Senhor Cursos, you do so voluntarily and at your own risk. To the maximum extent permitted by applicable law, the following disclaimers apply:

Under no circumstances will Senhor Cursos — including its editors, contributors, licensors, service providers, or affiliates — be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from your access to or use of the platform. This includes, but is not limited to:

These limitations apply regardless of the legal theory adopted and even if Mr. Cursos was informed of the possibility of such damages.

By continuing to use this platform, you acknowledge and accept that Senhor Cursos assumes no responsibility for any decisions, consequences, or interpretations arising from the use of its content or resources.

All provisions established in the Terms of Use of Senhor Cursos will remain legally binding and fully applicable throughout the user's interaction with the platform. These terms apply continuously — regardless of the frequency, method, or type of access — and will remain in effect until formally modified, replaced, or revoked through an official notice or revision published on [website/platform name]. https://senhorcursos.com/. 

In the event of any dispute, concern or legal claim arising from the use of Senhor Cursos — including issues related to the Privacy Policy — users must initiate any formal complaint or legal proceeding within ninety (90) calendar days from the date the problem first occurred. Complaints submitted after this period may be considered invalid and subject to dismissal under applicable law due to being untimely.

This time limit aims to promote timely resolution and ensure that disputes are addressed while relevant facts and evidence remain accessible, accurate, and verifiable. Prompt communication contributes to a fair and efficient process for all parties involved.

7.1 Applicable Law

These Terms of Use, together with any additional agreements under which our Services are provided, shall be interpreted and enforced in accordance with the laws of the Republic of Estonia. All matters relating to the construction, validity and enforcement of these Terms shall be based exclusively on Estonian law, without reference to rules that may require the application of the laws of another jurisdiction.

7.2 Jurisdiction

By using our Services, you acknowledge and agree that any dispute, claim, or legal proceeding arising from these Terms of Use, or the obligations and responsibilities established between you and Senhor Cursos, shall be submitted exclusively to the Harju County Court in Tallinn, Estonia. This designated forum constitutes the sole venue for the resolution of such matters, unless applicable law requires a different venue.

7.3 Consumer Rights

If you qualify as a consumer residing in the European Union or another jurisdiction with mandatory consumer protection laws, this article does not limit or replace the legal guarantees provided by the binding legislation of your country of habitual residence. All legal rights that cannot be waived remain fully preserved.

8.1 Ownership and Rights to the Content

All original material published on Senhor Cursos — including, but not limited to, written content, data visualizations, design elements, logos, icons, trademarks, multimedia, and platform functionalities — is protected by applicable intellectual property laws. Ownership of these materials belongs exclusively to IndieTech OÜ, the company responsible for operating Senhor Cursos, or to collaborators duly licensed by IndieTech OÜ itself. Any unauthorized reproduction, modification, translation, distribution, public display, or use of the platform's content without the prior written consent of IndieTech OÜ is strictly prohibited.

8.2 Limitation of Liability

Senhor Cursos is not responsible for the accuracy, purpose, legality, or effects of any third-party or user-submitted content that may appear on the platform. This includes external links, embedded media, public comments, or references to third-party sources. Interaction with this type of content is at the user's own risk, and the user assumes full responsibility for any consequences. Senhor Cursos disclaims all liability for damages, inaccurate information, or losses—direct, indirect, incidental, or consequential—arising from interaction with non-original or third-party materials.

8.3 Handling Content Violations

Senhor Cursos reserves the right, at its sole discretion, to monitor, review, remove, or restrict any content that violates the platform's terms, legal requirements, or ethical standards. This includes, but is not limited to, illegal, misleading, plagiarized, defamatory, harmful, or otherwise inappropriate content. Enforcement actions may include content removal, temporary suspension, or permanent restriction of user access. In cases of serious or recurring violations, legal authorities may be notified when appropriate.

Senhor Cursos reserves the full right to revise, modify, update, or discontinue any part of its Terms of Use, Privacy Policy, or platform services at any time, without prior notice. Such modifications may result from legal requirements, operational decisions, changes in service functionalities, or broader structural adjustments to the platform.

Users are solely responsible for periodically reviewing the Terms of Use to stay informed of any changes. Continued access to or use of the platform after the implementation of these modifications constitutes explicit acceptance of the revised terms.

Senhor Cursos cannot be held responsible for any inconvenience, data loss, dissatisfaction, or service interruption resulting from changes, removal of features, or partial or total suspension of services.

If you do not agree with the updated Terms or any modifications to the platform, you must immediately discontinue all use of Senhor Cursos and its related services.

If you have any questions related to these Terms, need assistance with any aspect of the platform, or wish to share general feedback about Senhor Cursos, you are encouraged to contact us through the official page: https://senhorcursos.com/contact.  

We welcome questions, support requests, reports of technical problems, and constructive suggestions. While we strive to respond to all messages in a timely and respectful manner, response times may vary depending on the volume and complexity of the request.

© 2025 IndieTech OÜ

Registration Code: 14805865

Keemia tn 4, 10616, Harju, Estonia