Terms of Use

Last Updated: February 2025

1. Acceptance of Terms

Welcome to the informational website operated by B & Z CONTABILIDADE E ASSESSORIA LTDA. ("Company," "we," "our," or "us"), registered under CNPJ 07.950.739/0001-03, with headquarters at Rua Jose Krause, 60, Vila Nova, Jaraguá do Sul/SC - CEP 89259-390.

By accessing or using this website (the "Site"), you ("User," "you," or "your") agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use this Site.

These Terms constitute a legally binding agreement between you and the Company. Please read them carefully.

2. Description of Service

This Site provides informational and educational content about fixed income and variable income investments. The Site is designed exclusively for educational purposes and does not offer:

  • Investment advisory or financial planning services
  • Brokerage services or transaction execution
  • Banking services or payment processing
  • Official investment platform access
  • Securities trading or asset management

IMPORTANT: This is NOT an official investment platform or financial institution. All content is provided for informational purposes only.

3. Eligibility

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that:

  • You are at least 18 years old
  • You have the legal capacity to enter into these Terms
  • You will comply with all applicable laws and regulations
  • All information you provide is accurate and truthful

4. Acceptable Use

4.1 Permitted Uses

You may use this Site to:

  • Access and read informational content about investments
  • Navigate between pages and sections
  • Contact us with legitimate inquiries
  • Share content via social media (where applicable)

4.2 Prohibited Uses

You agree NOT to:

  • Use the Site for any unlawful purpose or in violation of these Terms
  • Impersonate any person or entity or misrepresent your affiliation
  • Attempt to gain unauthorized access to any portion of the Site
  • Interfere with or disrupt the Site's operation or servers
  • Use automated systems (bots, scrapers) to access the Site
  • Transmit viruses, malware, or harmful code
  • Collect personal information of other users
  • Use content for commercial purposes without permission
  • Reverse engineer, decompile, or disassemble any Site components
  • Remove or modify any copyright or proprietary notices
  • Frame or mirror any Site content without authorization

5. Intellectual Property Rights

5.1 Ownership

All content on this Site, including but not limited to text, graphics, logos, images, design elements, software, and compilation thereof ("Content"), is the property of B & Z CONTABILIDADE E ASSESSORIA LTDA. or its licensors and is protected by:

  • Brazilian and international copyright laws
  • Trademark laws
  • Other intellectual property rights

5.2 Limited License

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

  • Any right to reproduce, distribute, or publicly display Content
  • Commercial use or exploitation of Content
  • Modification or creation of derivative works
  • Use of Content in any other website or networked environment

5.3 Trademarks

All trademarks, service marks, and logos displayed on the Site are property of their respective owners. Use of these marks without permission is strictly prohibited.

6. Disclaimer of Investment Advice

CRITICAL NOTICE: This Site does not provide investment advice, financial planning, or recommendations.

  • Content is educational and informational only
  • Information should not be construed as investment recommendations
  • We are not licensed investment advisors or financial planners
  • Past performance information does not guarantee future results
  • Investment decisions should be made in consultation with qualified professionals

Always conduct your own research and consult licensed financial advisors before making investment decisions.

7. No Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability or fitness for a particular purpose
  • Warranties of accuracy, reliability, or completeness
  • Warranties of uninterrupted or error-free operation
  • Warranties that defects will be corrected
  • Warranties regarding security of data transmission

We do not warrant that:

  • The Site will meet your requirements
  • Information is current, accurate, or complete
  • The Site will be available at all times
  • Results from Site use will be reliable

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, B & Z CONTABILIDADE E ASSESSORIA LTDA. SHALL NOT BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or use
  • Business interruption or loss of opportunities
  • Investment losses or financial decisions based on Site content
  • Damages arising from reliance on information provided
  • Errors, omissions, or inaccuracies in content
  • Unauthorized access to your data or systems

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability is limited to the maximum extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless B & Z CONTABILIDADE E ASSESSORIA LTDA., its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use or misuse of the Site
  • Your violation of these Terms
  • Your violation of any rights of third parties
  • Your violation of applicable laws or regulations
  • Any content you submit or transmit through the Site

10. Third-Party Links and Content

The Site may contain links to third-party websites or resources. We provide these links for convenience only and do not:

  • Endorse or recommend linked sites
  • Control or monitor third-party content
  • Guarantee accuracy of external information
  • Accept liability for third-party sites or services

Your use of third-party websites is at your own risk and subject to their terms and conditions.

11. User Submissions and Communications

If you submit content, feedback, or communications to us (via email, contact forms, etc.):

  • You grant us a non-exclusive, royalty-free, perpetual license to use such content
  • You represent that you own or have rights to submitted content
  • You agree we may use feedback for improvement purposes
  • Submissions become our property (except personal data governed by our Privacy Policy)

Do not submit confidential or proprietary information unless specifically requested.

12. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information in compliance with LGPD (Brazilian General Data Protection Law).

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes become effective when posted on the Site. We will indicate the "Last Updated" date at the top of these Terms.

Significant changes will be communicated through:

  • Prominent notice on the Site
  • Email notification (if we have your contact information)

Your continued use of the Site after changes constitutes acceptance of modified Terms. If you do not agree to changes, discontinue using the Site.

14. Modifications to Site

We reserve the right to:

  • Modify, suspend, or discontinue any aspect of the Site at any time
  • Change content, features, or functionality without notice
  • Impose limits on certain features or restrict access
  • Update or replace information as needed

We shall not be liable for any modification, suspension, or discontinuance of the Site.

15. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including:

  • Violation of these Terms
  • Fraudulent, abusive, or illegal activity
  • At our sole discretion

Upon termination, your right to use the Site ceases immediately. Provisions that by their nature should survive termination will survive, including ownership, disclaimers, indemnification, and limitations of liability.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to conflict of law principles.

Any disputes arising from these Terms or Site use shall be subject to the exclusive jurisdiction of the courts of Jaraguá do Sul, Santa Catarina, Brazil, and you consent to personal jurisdiction in such courts.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction:

  • That provision shall be modified to the minimum extent necessary to make it valid and enforceable
  • If modification is not possible, the provision shall be severed
  • The remaining provisions shall remain in full force and effect

18. Waiver

No waiver by the Company of any term or condition shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and B & Z CONTABILIDADE E ASSESSORIA LTDA. regarding the Site and supersede all prior agreements and understandings, whether written or oral.

20. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms at our sole discretion without restriction.

21. Language

These Terms are provided in English. In case of any discrepancy between English and translated versions, the English version shall prevail.

22. Contact Information

For questions, concerns, or notices regarding these Terms, please contact:

B & Z CONTABILIDADE E ASSESSORIA LTDA.
Rua Jose Krause, 60, Vila Nova
Jaraguá do Sul/SC - CEP 89259-390
Email: kleytonunes142@gmail.com
Phone: (47) 99936-8992

23. Acknowledgment

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THIS SITE.