Terms of Use – Belive Digital

Last updated: October 8, 2026

Who We Are

The Site is operated by:

Company: ACTIO DIGITAL BUSINESS LLC
E.I.N. (Employer Identification Number): 35-2938832
State Registration No.: L26000002229
Address: 7345 W Sand Lake Rd, Ste 210, Office 1602, Orlando, FL 32819 – United States
Contact: Contact Us page (https://belivedigital.com/contact-us/) or email [email protected]

In these Terms, “Belive Digital”, “we”, “us” and “our” refer to ACTIO DIGITAL BUSINESS LLC.

Purpose of the Site

Belive Digital provides informational and educational content about personal finance, credit cards and points and miles. The information on the Site does not constitute professional, legal, financial, tax or investment advice and should be used for general knowledge only. Before making any financial decision, consider consulting a qualified professional.

Belive Digital is not a bank, card issuer, lender, financial institution or broker. We do not sell financial products, issue cards, grant credit or analyze credit applications. We never ask for money, upfront fees, passwords or bank details in exchange for any product, service or information. If anyone asks you for payment in our name, do not pay and report it to us through the Contact Us page.

Mentions of banks, cards, airlines, loyalty programs, brands and other third-party products are for informational purposes only. Rates, fees, rewards and conditions are set exclusively by each provider, may change without notice and may differ from the information on the Site. Always check the official website and terms of the provider before choosing an offer. Belive Digital is not affiliated with the companies mentioned unless expressly stated.

Use of the Site

You may use the Site only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the Site. In particular, you agree not to:

Use the Site for any illegal activity or to publish or spread racist, xenophobic, offensive or unlawful content;
Introduce or spread viruses or any other software that may harm the Site’s systems or those of third parties;
Attempt to access restricted areas, systems or data of the Site or of other users without authorization;
Send us, through our contact channels, personal data of third parties without authorization or a legal basis to do so;
Send us sensitive personal data, bank details, card numbers, passwords or identity documents, which are not needed for any purpose of the Site;
Provide false information when contacting us.

Intellectual Property

All content on the Site, including text, images, graphics and other materials, is owned by Belive Digital or its licensors and is protected by copyright and other intellectual property laws. You may view and use the content for personal, non-commercial purposes only.

Without our prior written permission, you may not modify, copy, reproduce, distribute, republish or commercially exploit the content, attempt to decompile or reverse engineer any software on the Site, remove copyright or other proprietary notices, or mirror the materials on another server, except as permitted by law and with credit to the source.

Privacy and Data Protection (GDPR, CCPA and Other Laws)

We process personal data in accordance with our Privacy Policy and applicable data protection laws, including the EU General Data Protection Regulation (Regulation (EU) 2016/679 – “GDPR”), the UK GDPR, the California Consumer Privacy Act as amended by the California Privacy Rights Act (“CCPA”), other U.S. state privacy laws and, for users in Brazil, the General Data Protection Law (Law No. 13,709/2018 – “LGPD”).

When you browse the Site, some personal data may be processed, such as your IP address, device and browser information, pages viewed and cookie identifiers, as well as any data you send us voluntarily through the Contact Us page. Our Privacy Policy explains what data we process, for what purposes, on which legal bases, with whom we share it, how international transfers are protected and how long we keep it.

Depending on where you live, you may have rights over your personal data, including:

Under the GDPR and UK GDPR: access, rectification, erasure, restriction, data portability, objection, withdrawal of consent at any time, and the right to lodge a complaint with a supervisory authority;
Under the CCPA: to know and access, delete and correct your personal information, to opt out of the sale or sharing of your personal information for cross-context behavioral advertising (including through a Global Privacy Control signal), to limit the use of sensitive personal information, and not to be discriminated against for exercising these rights;
Under the LGPD: the rights in Article 18 of the LGPD and the right to file a complaint with Brazil’s National Data Protection Authority (ANPD).

Non-essential cookies, such as analytics, personalized advertising and affiliate cookies, are set only with your consent, which you can give, refuse or withdraw at any time through the Site’s cookie banner without losing access to the content. The cookie banner is also our “Do Not Sell or Share My Personal Information” mechanism for California residents.

To exercise your rights, contact us at [email protected] or through the Contact Us page.

Disclaimer

Although we strive to keep the information on the Site accurate and up to date, the content is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, completeness, reliability, fitness for a particular purpose or currency. The content may contain technical, typographical or photographic errors. Any action you take based on the information on the Site is strictly at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Belive Digital will not be liable for any loss or damage, including indirect or consequential loss, loss of data or profits, arising from the use of, or inability to use, the Site or decisions made based on its content, including applying for financial products or loyalty programs.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including our obligations as a data controller under the GDPR, the CCPA and other data protection laws, or the mandatory consumer protection rights you have under the law of your country of residence.

Advertising and Affiliate Links

The Site is funded through third-party advertising (such as Google advertising services) and affiliate links, and is promoted on platforms such as Facebook and Instagram. When you click an affiliate link and apply for a product, we may receive a commission, at no additional cost to you. This does not influence the price or conditions offered by the provider. Belive Digital is not affiliated with Meta Platforms or any Meta entity. Ads are the responsibility of the respective advertisers. Data processing for advertising and affiliate purposes is described in our Privacy Policy.

Links to Other Websites

The Site may contain links to third-party websites, such as banks, card issuers, airlines and loyalty programs. We do not control the content, privacy policies or practices of these websites and are not responsible for them, and a link does not imply endorsement. We recommend that you read their terms and policies before using them.

Changes to These Terms

We may update these Terms at any time. The “Last updated” date at the top of this page will always show the latest version. Material changes, especially those related to the processing of personal data, will be announced through a prominent notice on the Site. Continued use of the Site after changes take effect means you accept the updated Terms.

Suspension or Termination

We may suspend or discontinue the Site, in whole or in part, at any time, for technical, legal or operational reasons. Any suspension or termination of the Site does not affect your data protection rights, which you may continue to exercise through the contact details in these Terms.

Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms will be submitted to the competent courts of Orange County, Florida.

If you are a consumer residing in the European Union, the United Kingdom, Brazil or another country whose laws grant you mandatory consumer or data protection rights, this clause does not deprive you of the protection of those laws or of your right to bring proceedings in the courts of your country of residence, nor of your right to lodge a complaint with your local data protection authority.

If you have any questions about these Terms, contact us:

ACTIO DIGITAL BUSINESS LLC

7345 W Sand Lake Rd, Ste 210, Office 1602, Orlando, FL 32819 – United States

Email: [email protected]