Last Updated: July 5, 2025
Welcome to Timplie. Please read these Terms of Use (“Terms”) carefully before using our website or services. By accessing or using the Site or any of our articles, tools, calculators, or other features (collectively, the “Services”), you agree to be bound by these Terms. If you do not agree to all of these Terms, you may not access or use the Site or Services.
1. Acceptance of Terms
By accessing or using Timplie, you represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. You agree to comply with all applicable laws and regulations.
2. Changes to Terms
We may revise these Terms at any time. Updated Terms will be posted here along with a new “Last Updated” date. Your continued use of the Site or Services after any changes constitutes your acceptance of the revised Terms.
3. Description of Services
Timplie provides informational content, how-to guides, market analyses, and practical tools (such as calculators and checklists) related to personal finance, investing, borrowing, and credit management. All content is for general informational purposes only and does not constitute personalized financial, legal, or tax advice.
4. No Professional Relationship
Your use of the Site or Services does not create a professional-client relationship between you and Timplie. We recommend that you consult qualified financial, legal, or tax professionals before making any decisions based on the content provided here.
5. User Accounts
Certain features may require you to register for an account. If you choose to register, you agree to:
- Provide accurate, current, and complete information.
- Maintain the confidentiality of your password and other account credentials.
- Be responsible for all activities that occur under your account.
- Notify us immediately of any unauthorized use.
6. Prohibited Conduct
You agree not to:
- Use the Site or Services for any unlawful purpose or in violation of any applicable law.
- Interfere with or disrupt the operation or security of the Site.
- Attempt to gain unauthorized access to any portion of the Site or other users’ accounts.
- Copy, reproduce, distribute, or create derivative works from any part of the Site without our express written permission.
7. Intellectual Property
All trademarks, logos, text, images, videos, and other content on the Site (“Content”) are the property of Timplie or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view and download Content solely for your personal, non-commercial use, provided you retain all copyright and other proprietary notices.
8. Third-Party Links & Content
The Site may contain links to third-party websites or services. These links are provided for your convenience; we do not endorse or assume responsibility for, and expressly disclaim all liability for, the content or practices of any third-party sites.
9. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. Limitation of Liability
IN NO EVENT WILL TIMPLIE, ITS AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM OR (B) ONE HUNDRED DOLLARS (USD $100) IF YOU HAVE NOT PAID US.
11. Indemnification
You agree to defend, indemnify, and hold harmless Timplie and its officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use of the Site or Services;
- Your violation of these Terms;
- Your infringement of any third-party rights.
12. Governing Law & Dispute Resolution
These Terms and any disputes arising under or related to them will be governed by and construed in accordance with the laws of Brazil, without regard to its conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts located in São Paulo, Brazil.
13. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
14. Waiver
No waiver of any term or condition of these Terms will be deemed a further or continuing waiver of such term or condition or any other term or condition.
15. Contact Us
If you have any questions or concerns about these Terms, please contact us.