Latino = Anyone born in Latin America. Language does not matter.
Hispanic = Anyone that comes from a culture where the family or place speaks Spanish as the main/first language.
Spaniards are Hispanics, but not Latinos.
Brazilians are Latinos, but not Hispanics.
If you are born outside of Latin America, but speak Spanish as your main/first language (due to your family speaking it or whatever other reason). You're Hispanic.
If you ancestors come from a country where Spanish is the main language but you were born in another country and you do not speak Spanish. You're neither Latino or Hispanic.
tl;dr
Latino = Place where you were born.
Hispanics = Spanish as first language.
edit: Removed Haitians and Jamaicans from the example. Made a mistake saying they were latinos.
Hispanic = Anyone that comes from a culture where the family or place speaks Spanish as the main/first language.
Spaniards are Hispanics, but not Latinos.
Brazilians are Latinos, but not Hispanics.
If you are born outside of Latin America, but speak Spanish as your main/first language (due to your family speaking it or whatever other reason). You're Hispanic.
If you ancestors come from a country where Spanish is the main language but you were born in another country and you do not speak Spanish. You're neither Latino or Hispanic.
tl;dr
Latino = Place where you were born.
Hispanics = Spanish as first language.
edit: Removed Haitians and Jamaicans from the example. Made a mistake saying they were latinos.
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