Terms and Conditions of Use

These terms govern access to and use of the Philippine edition of Kredua (pages under /ph/ of the site kredua.com.br). By browsing the site you accept these conditions; if you do not agree with any of them, we ask you not to use it.

1. Site owner

The site is owned by RR Digital (trade name: Kredua), Brazilian tax registration CNPJ , with 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 informational and educational content portal about credit cards, loans and personal finance. We are not a bank, a lending or financing company, a credit intermediary or a financial adviser: we do not grant or arrange loans, we do not issue cards, we do not process applications and we do not take part in the decision of any institution. We are not supervised by the Bangko Sentral ng Pilipinas, the Securities and Exchange Commission or the Insurance Commission because we do not carry out financial activities.

The content describes conditions that institutions publish on their websites at the time of writing (amounts, terms, rates, annual contractual rates, fees, requirements). Those conditions may change without notice; the binding information is what the institution gives you in its disclosure statement and its contract, in accordance with the Truth in Lending Act (Republic Act No. 3765) and the Financial Products and Services Consumer Protection Act (Republic Act No. 11765).

Nothing published here constitutes personalised financial, legal or tax advice. The opinions of the editorial team are general and do not consider your specific situation. Before obtaining any product, review the conditions with the institution and, if you need to, consult an independent adviser.

3. Tests and recommendations

The tests on the site point you towards a type of product or a specific review based on your answers. The result is a content recommendation, not an offer, a pre-approval or a guarantee that a product will be granted. We do not access the Credit Information Corporation or any credit history. Any application is made on the website of the institution, which evaluates and decides freely.

4. Links to third parties and affiliation

The site contains links to websites of financial institutions and other third parties. We do not control those sites and we are not responsible for their content, their conditions or the way they process your data. In some cases we maintain affiliate agreements under which we may receive a commission if you obtain a product through our link; that does not change what you pay or the content of our reviews. We also show 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; use the site for unlawful purposes or contrary to good faith; introduce malicious software; perform mass data extraction (scraping) or actions that overload the infrastructure; or impersonate Kredua or third parties.

6. Intellectual property

The texts, reviews, images, logos, design and code of the site are the property of RR Digital or its licensors and are protected by the Intellectual Property Code of the Philippines (Republic Act No. 8293) and by international treaties. The trademarks and names of the institutions mentioned belong to their owners and are cited only for informational purposes. You may quote short excerpts with attribution and a link to the original page.

7. Disclaimer of warranties 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 make based on the content, for the conditions an institution finally applies to you, for interruptions or failures of the service or for damages arising from the use of linked third-party sites. Nothing in these terms limits the rights that the Consumer Act of the Philippines (Republic Act No. 7394) and other mandatory laws grant you.

8. Commercial communications

We only send e-mails to those who expressly agreed to receive them. You may unsubscribe at any time from the link included in every message; the unsubscription takes effect within 24 hours at most. Kredua does not make calls and does not send messages by SMS, Viber, Messenger, WhatsApp or Telegram with credit offers; if you receive one in our name, it is a scam.

9. Personal data

The processing of your personal data and the use of cookies are governed by our Privacy Notice, in accordance with the Data Privacy Act of 2012.

10. Changes

We may modify these terms to adapt them to legal or service changes. The current version will always be published on this page with its update date. Using the site after the changes are published implies acceptance of them.

11. Governing law and dispute resolution

These terms are governed by the laws of the Republic of the Philippines in everything that applies mandatorily to consumers residing in the Philippines, and otherwise by the laws of Brazil, where the owner is established. For any dispute you may resort to the Department of Trade and Industry or to the competent courts of your place of residence. Before any of these routes, we invite you to write to [email protected]: most problems are solved with one e-mail.

Last updated: 19/09/2026