TERMS AND CONDITIONS OF USE 

Last Updated: August 28, 2026 

2EB is operated by TIHEE LTD, BC Number: TIHEE LTD 2178872, with its registered office at Level 1, Palm Grove House, Wickham’s Cay 1, Road Town, Tortola, British Virgin Islands (hereinafter referred to as  “2EB,” “we,” “us,” or “our”). 

Advertising intermediation and monetization for the website are provided by TiMo Midia Ltda., registered  under CNPJ No. 62.179.475/0001-44, with its registered office at Rua Ana de Carvalho Silveira, No. 287, Apt.  302, Silveira, Belo Horizonte/MG, ZIP Code 31.140-440 (“TiMo Mídia”), which is responsible for the  intermediation and monetization of the programmatic advertising inventory displayed on the website. 

These Terms and Conditions of Use govern access to and use of this website. By accessing or using the website, you acknowledge that you have read, understood, and agree to this document and our Privacy Policy. 

1. ACCEPTANCE OF THE TERMS 

Access to and use of this website constitutes full acceptance of these Terms. If you do not agree with any  provision, you must immediately stop using the website. These Terms constitute an agreement between you and  us, to the extent permitted by applicable law and without prejudice to rights that cannot be waived by contract. 

2. DEFINITIONS 

Content: texts, articles, images, videos, comparisons, calculators, databases, and other materials published on  the website. 

Advertisements: programmatic or direct advertising displayed on the website, intermediated by TiMo Mídia or  its partners. 

User: any person who accesses or uses the website. 

Invalid Traffic (IVT): impressions, clicks, or events generated artificially, by bots, automated scripts, or  incentivized or deceptive clicks. 

3. IMPORTANT NOTICES 

We do not interfere with any credit analysis or approval process of partner financial institutions. The final  decision to grant credit, a loan, or any offer is always made by the responsible institution according to its own  criteria and risk policies. 

Under no circumstances do we request or send payment collection requests to release any financial product— credit card, loan, or financing. If this occurs in our name, exercise caution and contact us immediately through  the channels in Section 24. 

We do not send emails requesting confirmation of information with executable attachments (e.g., .exe, .zip,  or .rar files) or unsolicited download links. Messages of this nature do not originate from us. 

4. NATURE OF THE OPERATION AND ROLES OF THE PARTIES 4.1 Our Role 

We are responsible for the editorial operation of this website, the Content published on it, the domain, our own  forms, the products and services described, and responding to requests related to such Content. 

4.2 Role of TiMo Mídia 

TiMo Mídia acts as an advertising technology (AdTech) provider, supplying the infrastructure for the  intermediation and monetization of Advertisements, including integration with Google Ad Manager and Google  Ad Exchange (AdX), management of advertising consent signals, and prevention of fraud and invalid traffic. 

4.3 Allocation of Responsibilities

TiMo Mídia is not automatically responsible for the editorial content, hosting, domain, legal notices, our own  forms, products, services, or commercial promises of this website. We are not automatically responsible for the  advertising technology layer, programmatic integrations, advertising consent signals, or fraud and invalid traffic  prevention when these are under TiMo Mídia’s technical control. Where necessary, specific agreements may be  entered into between us and TiMo Mídia to establish roles and responsibilities. 

5. ELIGIBILITY 

Use of this website is intended for individuals 18 years of age or older. By accessing or using the website, you  represent that you are at least 18 years old. Our digital environments are not directed to children; use by minors  must comply with applicable local law and occur with the assistance and supervision of parents or legal  guardians. 

6. PERMITTED USE 

We grant you a limited, non-exclusive, non-transferable, and revocable license to access, view, and read the  website’s informational Content solely for personal and non-commercial use. You may share links to published  Content without modification and with attribution to the source. Any other use requires our prior written  authorization. 

7. PROHIBITED CONDUCT 

When using the website, you agree not to engage in, facilitate, or encourage: 

• Generating or attempting to generate invalid, fraudulent, or artificial traffic, including incentivized, deceptive,  or automated clicks, and creating click farms; 

• Manipulating, concealing, or interfering with the display of Advertisements, including ad stacking, pixel  stuffing, or domain spoofing; 

• Conducting denial-of-service (DoS/DDoS) attacks or attempting to overload, disrupt, or degrade our servers or infrastructure; 

• Attempting to obtain unauthorized access to systems, accounts, or data, including through credential stuffing,  brute force attacks, or exploitation of vulnerabilities; 

• Distributing malware, performing code injection, XSS, SQL injection, or reverse engineering; • Using the  website to monitor or harass third parties, or to engage in fraudulent, illegal, or dishonest activities; • Using data  or contact information obtained from the website to send unsolicited communications (spam); 

• Registering false or third-party email addresses without authorization in newsletter or contact forms, or  automating mass registrations for the purpose of polluting databases or triggering spam traps; 

• Redistributing or modifying our Content in a manner that misleads third parties, simulates unauthorized  recommendations, or falsely attributes our endorsement of third-party products or services. 

Violations of these rules may result in suspension of access, technical blocking, reporting to competent  authorities, and adoption of applicable legal measures, individually or jointly, by us and/or TiMo Mídia— including, in Brazil, civil and criminal liability under the Brazilian Internet Civil Framework, Law No.  12,737/2012, and applicable provisions of the Brazilian Penal Code. 

8. INVALID TRAFFIC AND ADVERTISING FRAUD 

TiMo Mídia uses technical measures to identify, audit, and block auction fraud and invalid traffic schemes  (IVT/GIVT/SIVT), which are essential for network compliance with Google policies and those of other  advertising partners. Where there are reasonable indications of abusive or fraudulent technical activity  associated with a device, IP address, or location, TiMo Mídia and/or we may block or limit the corresponding  access without prior notice when required to protect the network’s advertising account, and may provide  evidence to authorities and partner platforms.

9. INTELLECTUAL PROPERTY 

All editorial, textual, and visual Content published on this website—including text, comparison tables, images,  graphics, and proprietary databases—is exclusively owned by us or our licensors and is protected by Brazilian  Copyright Law (Law No. 9,610/1998), the Brazilian Internet Civil Framework, and applicable international  treaties. 

Without our prior written authorization, it is strictly prohibited to: reproduce, publish, or redistribute Content, in  whole or in part; use scripts, bots, crawlers, or scrapers to extract Content or data (scraping); create databases  derived from the Content; use it to train artificial intelligence models, LLMs, or machine-learning algorithms; or include it in other pages through iFrames or equivalent techniques, without prejudice to the permitted sharing of  links under Section 6. Automated extraction and use of Content for AI training without authorization constitute  infringement of copyright and the Brazilian Internet Civil Framework and may subject the infringer to civil  liability—including compensation for material and moral damages—and, as applicable, criminal liability,  without prejudice to judicial proceedings and extrajudicial notices. 

The technology, scripts, measurement tools, and advertising infrastructure used for the intermediation of  Advertisements belong to TiMo Mídia, its partners, or licensors, as applicable, and their use, copying, or reverse engineering without authorization is prohibited. 

The trademarks, logos, and visual identity of this website belong to us; TiMo Mídia’s trademarks and visual  identity belong to TiMo Mídia. 

10. ADVERTISING AND RESPONSIBILITY FOR THIRD-PARTY  ADVERTISEMENTS 

Advertisements displayed on the website are intermediated by TiMo Mídia through platforms such as Google  Ad Manager, Google Ad Exchange (AdX), and Google AdSense and may involve third-party programmatic  advertising. Neither we nor TiMo Mídia are responsible for the content, accuracy, legality, or offers of  advertisers—you assume the risk of any interaction with third-party advertising content. Deceptive, malicious,  or abusive advertisements should be reported through the channels in Section 13. 

11. LINKS, REDIRECTIONS, AND EXTERNAL PLATFORMS 

The website may contain links and redirects to third-party platforms, products, or services where you may  contract for services or purchase products without our involvement. Clicking an advertisement or link and  visiting a partner’s page does not create a relationship with us—our Terms and Privacy Policy cover only your  interactions with this website. Before providing information or completing any transaction on a third-party  website, read and expressly accept that company’s terms and privacy policy. We are not responsible for the  terms, practices, products, or services of companies advertised or mentioned in our Content, or for viruses,  malware, or malicious software originating from external websites. 

12. INFORMATIONAL CONTENT AND EDITORIAL DISCLAIMER 

The Content on this website is strictly informational and educational. It does not constitute financial, legal,  accounting, or other advice, nor an offer, recommendation, or guarantee of approval for credit or any product or  service. We do not guarantee the accuracy, completeness, or currency of published information, nor that it  applies equally to each User’s individual circumstances. You are responsible for verifying information directly  with the relevant institution or official source and assume full responsibility for decisions made based on the  website’s Content. 

13. REPORTING ABUSE AND VIOLATIONS 

We maintain a dedicated channel for reporting abuse, legal violations, and inappropriate Content, identified in  Section 24. 

Use it to report: privacy violations or improper use of personal data; abusive, illegal, or rights-infringing  Content; cyberattacks or attempts to exploit the website; deceptive or fraudulent Advertisements; or any other  violation of these Terms. We undertake to respond to every report within 48 hours and to take appropriate  measures, including Content removal, access blocking, and notification of competent authorities when  necessary.

14. ACCESS SUSPENSION AND BLOCKING 

We reserve the right, at our reasonable discretion and without prior notice when technical or legal urgency so  requires, to suspend, restrict, or block access by any User, IP address, or device that violates these Terms,  attempts unauthorized access or attacks on the infrastructure, performs scraping or automated data extraction,  generates invalid traffic, or engages in abusive conduct that harms other Users or the operation of the website.  Blocking may be accompanied by an extrajudicial notice and, when applicable, a police report and other legal  measures. 

15. SERVICE AVAILABILITY 

We provide access to the website according to its technical availability and on an “as is” basis. Operation may  be affected by maintenance, updates, security fixes, or failures involving infrastructure, connectivity, or third party services. To the extent permitted by applicable law, we do not guarantee continuous, stable, or error-free  availability, and the website, its Content, and functionalities may be modified or discontinued at any time  without prior notice. 

16. LIMITATION OF LIABILITY 

To the maximum extent permitted by applicable law: we are responsible for the accuracy, legality, and  suitability of the Content we publish; TiMo Mídia is responsible for the technical operation of the advertising  intermediation layer under its control. Neither party is responsible for direct, indirect, incidental, or  consequential damages arising from use of the website, Advertisements or third-party products, decisions made  based on the Content, or technical failures, interruptions, or incompatibilities with particular devices—except  where limitation of liability is not permitted by applicable law, especially in consumer relationships. 

17. INDEMNIFICATION 

You agree to indemnify and hold harmless us and TiMo Mídia, within their respective areas of responsibility  under Section 4.3, from claims, damages, or reasonable expenses arising from: unlawful use of the website or  violation of these Terms; advertising fraud (IVT), scraping, or technical attacks; unauthorized use of protected  Content or code, including for AI training; or infringement of third-party copyright or privacy rights through  your conduct. 

18. PRIVACY AND COOKIES 

The collection and processing of personal data, use of cookies, and consent and opt-out rules are governed by  our Privacy Policy, which forms an integral part of these Terms. 

19. DIGITAL ACCESSIBILITY 

We make reasonable efforts to align the development of our interfaces with digital inclusion and web  accessibility principles (WCAG 2.2 AA), where technically feasible. Technical barriers may be reported through the channels in Section 24. 

20. LANGUAGES AND INTERPRETATION 

These Terms may be made available in other languages. In the event of a technical interpretation conflict, the  official Brazilian Portuguese version prevails, except where mandatory local law requires otherwise in the  User’s jurisdiction of residence. 

21. CHANGES TO THESE TERMS 

We may update these Terms at any time. The current version is identified by the “Last Updated” date at the  beginning of the document. Material changes will be communicated through a visible notice on the website.  Continued use after changes are published constitutes acceptance of the new Terms, to the extent permitted by  applicable law.

22. GOVERNING LAW AND VENUE 

These Terms are governed by the laws of the Federative Republic of Brazil. The courts of the Judicial District of Belo Horizonte/MG are selected as the venue, with waiver of any other venue, however privileged, pursuant to  Article 63 of the Brazilian Code of Civil Procedure, subject to the jurisdiction and mandatory consumer,  privacy, and digital-rights protections that cannot be waived by contract in the applicable jurisdiction. 

23. GENERAL PROVISIONS 

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full  force and effect. Tolerance of any breach of a provision does not constitute a waiver of the right to enforce it  later. These Terms and our Privacy Policy constitute the entire agreement between us and the User regarding use of the website. 

LOCAL ADDENDUM TO THE PRIVACY POLICY 

Where applicable, these Terms will be interpreted in accordance with U.S. federal and state laws concerning  privacy, consumers, commercial communications, advertising, and security. 

No provision of these Terms waives mandatory privacy, consumer, opt-out, non-discrimination based on the  exercise of rights, commercial-email unsubscribe, security, or legal-remedy rights provided under applicable  law. 

This Addendum does not establish a waiver of class actions, mandatory arbitration, or any additional procedural  limitation beyond what is expressly provided in a valid and applicable contractual instrument. 

25. CONTACT 

TIHEE LTD: [email protected] 

TiMo Mídia (Compliance/DPO): [email protected]