General Terms and Conditions of Use

Last updated: September 19, 2026.

These terms govern access to and use of the Bangladesh edition of Kredua (pages under /bd/ of the site kredua.com.br and posts whose address begins with “bd-“). By browsing the site you accept these terms and our Privacy Policy; if you do not agree with any of them, please do not use the site.

1. Owner of the site

The site is owned by RR Digital (trading as Kredua), CNPJ , a company registered in Brazil with its address at Rua Balbino Bento da Silva, 02, União dos Palmares/AL, CEP 57800-000, Brazil. Contact: [email protected].

2. Nature of the service

Kredua is an information and education portal about credit cards, personal loans and personal finance. We are not a bank, a financial institution licensed by Bangladesh Bank, a loan broker or a financial adviser: we do not lend or intermediate loans, we do not issue cards, we do not process applications and we take no part in any bank’s decision.

The content describes conditions that banks publish on their pages and schedules of charges on the date of writing (amounts, tenures, interest, fees, eligibility). Those conditions may change without notice; the binding information is what the bank gives you in its sanction letter, card agreement and schedule of charges, under the rules of Bangladesh Bank.

Nothing published here is personalised financial, legal or tax advice. The opinions of the editorial team are general and do not take your specific situation into account. Before taking out any product, check the conditions with the bank and, if you need to, consult an independent professional.

3. Quizzes and recommendations

The quizzes point you to a type of product or to a specific review based on your answers. The result is a content recommendation, not an offer, a pre-approval or a guarantee that any product will be granted. We do not consult the Bangladesh Bank CIB or your credit history. Any application is made on the bank’s page, and the bank assesses and decides it freely.

4. Links to third parties and affiliation

The site contains links to pages of banks and other third parties. We do not control those sites and are not responsible for their content, their conditions or how they handle your data. In some cases we hold affiliate agreements under which we may receive a commission if you take out a product through our link; this does not change the price you pay or the content of our reviews. We also display third-party advertising through platforms such as Google Ad Manager.

5. Permitted use

You may access the site for personal, non-commercial use. It is not permitted to reproduce, distribute or modify the content without authorisation; to use the site for unlawful purposes or in bad faith; to introduce malicious software; to carry out bulk data extraction (scraping) or actions that overload the infrastructure; or to impersonate Kredua or third parties.

6. Intellectual property

The texts, reviews, images, logos, design and code of the site belong to RR Digital or its licensors and are protected by copyright and industrial property law, including the Copyright Act, 2023 of Bangladesh and Brazilian Law No. 9.610/1998. The trademarks and names of the banks mentioned belong to their owners and are cited for information only. You may quote short excerpts with attribution and a link to the original page.

7. Disclaimer and limitation of liability

We work to keep the information accurate and up to date, but we do not guarantee that it is free of errors or that it fits your case. To the extent permitted by law, RR Digital is not liable for decisions you take based on the content, for the conditions that a bank finally applies to you, for interruptions or failures of the service or for damage arising from the use of linked third-party sites. Nothing in these terms limits the rights that the Consumer Rights Protection Act, 2009 of Bangladesh or any other mandatory law grants you.

8. Commercial communications

We only send emails to people who have expressly agreed to receive them. You can unsubscribe at any time from the link in every message; the unsubscription takes effect within 24 hours at most.

9. Data protection

The processing of your personal data is described in our Privacy Policy, which forms part of these terms.

10. Changes

We may modify these terms to adapt them to legal or service changes. The current version is always published on this page with its date. Continued use of the site after a change means acceptance of the new terms.

11. Governing law and jurisdiction

These terms are governed by the laws of Brazil, where the operator is established, without prejudice to the mandatory consumer protection rules of Bangladesh that apply to you as a user resident there. Any dispute will be submitted to the courts of the operator’s domicile, unless a mandatory rule gives you the right to bring it before the courts of your own domicile.

12. Contact

For any question about these terms: [email protected].

Last updated: 19/09/2026