These Terms of Use govern access to and use of empleonline.com (“the site”). By using the site you accept these terms; if you do not agree, please do not use it.
Last updated: October 22, 2026.
1. Who operates this site
The site is operated by Job Concursos Negócios Digitais LTDA (CNPJ 39.924.340/0001-44), a Brazilian company. Contact: contact page.
2. What Empleonline is — and what it is not
Empleonline is an informational and educational content site about cars: financing, insurance, leasing, used cars and the cost of owning a vehicle. We are not a lender, broker, insurer, dealership or financial adviser. We do not offer, arrange or grant credit, insurance or vehicles, we do not take applications on behalf of any institution and we have no relationship with the brands we may mention. Nothing on the site is an offer, a recommendation or financial, legal or tax advice.
3. License to use
You may read and share our content for personal, non-commercial purposes, keeping the source and the link. Any other use requires our written permission.
4. Intellectual property
Texts, graphics, logos and the structure of the site belong to us or our licensors and are protected by copyright and trademark law. Images from stock libraries are used under their licenses.
5. User conduct
You agree not to use the site for unlawful purposes, not to submit false or third-party data without permission, not to interfere with its operation or security, and not to copy content automatically (scraping) without permission.
6. Forms, quizzes and calculators
Forms and calculators on the site produce general, illustrative information based on what you enter. Results are not a quote, a pre-approval or a promise of approval. Only the institution you apply to can assess and approve credit or insurance, under its own criteria.
7. Accuracy and updates
We work to keep content accurate and current, but rates, rules and products change, and they differ by state, province and country. Always confirm with the official source and the institution before you decide. We may change or remove content at any time.
8. Advertising, links and commercial relationships
The site is funded by third-party advertising. Ads are identified as such. External links are provided for convenience; we do not control and are not responsible for third-party sites. We receive no commission or referral fee from the institutions cited in our articles.
9. No warranties
The site and its content are provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose or uninterrupted availability, to the extent permitted by law.
10. Limitation of liability
To the extent permitted by law, we are not liable for any loss or damage arising from the use of the site or reliance on its content, including decisions to apply for or enter into any financial product. Nothing in these terms excludes rights you have under consumer law that cannot be excluded.
11. Availability
We may suspend or change the site for maintenance, security or other reasons without notice.
12. Fraud using our name
We never ask for payment, deposits or fees to “release” a loan, and we never contact you to request bank details. If someone does so using our name, it is fraud: do not pay, and report it to us and to the authorities.
13. Privacy and cookies
Our Privacy Policy and Cookie Policy form part of these terms.
14. Changes
We may update these terms; continued use after a change means you accept the new version.
15. Governing law
These terms are governed by the laws of Brazil, without prejudice to mandatory consumer-protection rules of the country where you live. Disputes will be handled in the courts of São Paulo, Brazil, unless the law of your country gives you the right to another forum.
16. Contact
Questions about these terms: contact page.