Terms and Conditions

1. Introduction

Welcome to the FinancePro Brazil website. These Terms and Conditions ("Terms") govern your access and use of the website financepro.com.br ("Site"), as well as all content, services, and products available on or through the Site.

By accessing or using any part of the Site, you agree to comply with these Terms. If you do not agree with all the terms and conditions of this agreement, you may not access the Site or use our services.

2. Definitions

In these Terms:

• "FinancePro Brazil," "we," "our," or "us" refer to the FinancePro Brazil company.
• "You" or "your" refer to the user or visitor of our Site.
• "Content" refers to text, images, audio, video, graphics, information, or other materials that may be viewed on the Site.
• "Services" refers to any services, features, or functionalities offered through the Site.

3. Site Usage

3.1. Eligibility

To use our Site, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater. By using our Site, you represent and warrant that you have the legal capacity to enter into a binding contract.

3.2. Registration and Account

Some features of our Site may require you to register and create an account. When you register, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your password and for all activities that occur on your account.

You agree to notify us immediately of any unauthorized use of your account or any other security breach. We will not be liable for any losses resulting from unauthorized use of your account.

3.3. User Conduct

When using our Site, you agree not to:

• Violate any applicable laws or regulations
• Infringe the intellectual property rights or other rights of third parties
• Post, transmit, or share content that is illegal, offensive, defamatory, obscene, fraudulent, or harmful
• Attempt to access areas of the Site to which you do not have permission to access
• Use the Site in any manner that could damage, overburden, or impair its security
• Use the Site to send spam, phishing, or any other form of unsolicited communication
• Collect or store personal data of other users without their permission
• Use any robot, spider, scraper, or other automated means to access the Site
• Interfere with the proper functioning of the Site

We reserve the right, at our discretion, to refuse or cancel access to the Site to anyone for any reason.

4. Intellectual Property

4.1. Our Content

All content published on our Site, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of FinancePro Brazil or our content providers and is protected by copyright and other intellectual property laws of Brazil and other countries.

The compilation of all content on the Site is the exclusive property of FinancePro Brazil and is protected by copyright and other intellectual property laws.

4.2. License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site and the Content for personal, non-commercial purposes. This license does not include:

• Any resale or commercial use of the Site or Content
• The reproduction, distribution, public display, or public performance of the Content without our express authorization
• Any use of data mining, robots, or similar data gathering and extraction tools
• Any use of the Site or Content that is not expressly permitted

All rights not expressly granted to you remain with FinancePro Brazil and our licensors.

4.3. Trademarks

The name "FinancePro Brazil," our logo, and all related names, logos, product and service names, designs, and slogans are trademarks of FinancePro Brazil or our affiliates or licensors. You may not use these marks without our prior written permission.

5. Third-Party Content

Our Site may contain links to third-party websites, third-party content, or offer third-party products or services. We do not control, endorse, or assume any responsibility for the content or practices of third-party websites or any third-party products or services. By using the Site, you expressly release us from any liability arising from your use of any third-party website, service, or content.

You are responsible for reading the terms and conditions and privacy policies of any third-party websites you visit.

6. Courses and Recommendations

6.1. Nature of Recommendations

FinancePro Brazil provides recommendations and evaluations of finance courses based on our analysis. Our recommendations are informative and educational in nature. While we strive to provide accurate and helpful information, our recommendations do not constitute personalized financial advice.

6.2. Responsibility for Third-Party Courses

We do not offer courses directly. When you enroll in a course through links on our Site, you are establishing a direct relationship with the course provider. We are not responsible for the content, quality, policies, or practices of courses offered by third parties. It is your responsibility to review the terms and conditions and privacy policies of course providers before enrolling.

6.3. Earnings and Results

Any statements about possible earnings or results that may be obtained with courses or financial knowledge are based on information provided by course providers or are estimates. We do not guarantee that you will obtain the same results. Your specific results may vary and depend on many factors, including your prior knowledge, experience, discipline, and personal financial circumstances.

7. Disclaimers

7.1. Content Accuracy

While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or timeliness of the content on our Site. The content is provided for informational and educational purposes only and should not be construed as professional financial, legal, or tax advice.

7.2. Not Financial Advice

The content of our Site does not constitute financial, legal, or tax advice and should not be interpreted as such. Always consult a qualified financial professional before making important financial decisions. The information on the Site does not replace personalized professional advice.

7.3. Limitation of Warranties

8. Limitation of Liability

9. Indemnification

You agree to indemnify, defend, and hold harmless FinancePro Brazil, its subsidiaries, affiliates, partners, employees, directors, agents, contractors, and licensors from any claim, loss, liability, claim, or expense (including attorneys' fees) made by any third party due to or arising out of (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any rights of third parties; or (d) your conduct in connection with the Site.

10. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The most current version of the Terms will always be available on our Site. It is your responsibility to periodically check the Terms for changes. Your continued use of the Site after the posting of any changes to the Terms constitutes acceptance of those changes.

11. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms. Upon termination, your right to use the Site will cease immediately.

All provisions of these Terms that, by their nature, should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms or the Site shall be resolved through arbitration, in accordance with the rules of the Market Arbitration Chamber.

The place of arbitration shall be São Paulo, Brazil. The language of the arbitration shall be Portuguese. The arbitral decision shall be final and binding on the parties.

13. General Provisions

13.1. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and FinancePro Brazil regarding your use of the Site and supersede any prior or contemporaneous agreements.

13.2. Severability

If any provision of these Terms is found to be invalid or unenforceable by any court or other body of competent jurisdiction, such provision shall be interpreted, limited, or, if necessary, severed to the extent necessary to eliminate such invalidity or unenforceability, and the remaining provisions of these Terms shall remain in full force and effect.

13.3. Waiver

The failure of FinancePro Brazil to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any provision shall be deemed a further or continuing waiver of such provision or any other provision.

13.4. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt to assign or transfer in violation of the foregoing shall be void. FinancePro Brazil may assign or transfer these Terms without restriction.

13.5. Section Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

14. Contact