1. Key Definitions
For these Terms, the definitions below apply.
- Financial app: digital platform that offers services to manage, move, and analyze financial assets and cryptoassets.
- User: individual or legal entity who creates an account, accesses, or uses the App.
- Provider: company responsible for the App, including parents, subsidiaries, employees, representatives, and authorized partners.
- Assets: any financial instruments, fiat currencies, or cryptoassets supported by the App.
- Regulators: government bodies, agencies, and authorities with jurisdiction over the services.
2. Acceptance of Terms
Using the App implies full acceptance of these Terms and complementary documents such as the Privacy Policy and Security Policy.
If the User disagrees with any condition, they must immediately stop accessing and close their account.
The Provider may change these Terms at any time, notifying through the App or official channels; continued use implies agreement with the current version.
3. Eligibility and Registration
Only individuals 18 or older with full legal capacity, or duly appointed legal representatives, may use the App.
Registration requires providing truthful, updated, and complete data, including information for identity verification (KYC) and anti–money laundering (AML).
The Provider may refuse, suspend, or close accounts in case of irregularities, regulatory noncompliance, or identified risk.
4. App Services
The App offers the following capabilities, which may vary based on updates and applicable regulations.
- Viewing balances, statements, transaction history, and reports.
- Executing buy, sell, transfer, and custody operations for supported Assets.
- Tools for analysis, projection, financial education, and portfolio management.
- Integration with third-party APIs, financial institutions, data providers, and payment systems.
- Additional services made available under specific terms and any applicable fees.
5. User Responsibilities
By using the App, the User agrees to:
- Keep credentials (login, password, multi-factor authentication) and access devices confidential, acknowledging that all actions under their credentials are their sole responsibility.
- Update registration data whenever a relevant change occurs.
- Comply with applicable laws, including tax, foreign exchange, regulatory, and anti–money laundering requirements.
- Evaluate transaction risks, recognizing that the Provider does not guarantee profitability, appreciation, or absence of losses.
- Use the App ethically, without fraudulent, illegal, or rights-infringing practices.
6. Provider Responsibilities
The Provider commits to:
- Offer technology infrastructure aligned with security best practices.
- Maintain reasonable App availability, performing scheduled or emergency maintenance as needed.
- Fulfill legal and regulatory obligations, including reports to competent authorities.
- Provide technical support through indicated channels, within disclosed timelines and hours.
7. Fees, Costs, and Taxes
Fees may be charged for specific services, such as operations, withdrawals, custody, or subscriptions. Values and criteria will be informed in advance in the App.
Taxes on operations or earnings are the User's responsibility, who must follow relevant tax obligations.
The Provider may withhold or deduct amounts required by law, court order, or competent authority.
8. Compliance, KYC, and AML
The User authorizes the Provider to collect, verify, and share information with credit bureaus, public and private databases for identification, fraud prevention, and legal compliance.
Suspicious activities may be reported to authorities without prior notice to the User.
The Provider may request additional documents, impose limits, or suspend operations until required checks are completed.
9. Data Protection and Privacy
Personal data are processed according to the Privacy Policy and applicable law, including the Brazilian LGPD.
The User consents to processing, storage, and international transfer of data when necessary to deliver the service.
The Provider applies technical and organizational controls to mitigate unauthorized access risks, though no system is fully infallible.
10. Security and Authentication
Multi-factor authentication is mandatory whenever available.
The Provider may block suspicious access, require credential resets, or update security protocols without prior notice.
Incidents or suspected compromise must be immediately reported by the User to support channels.
11. Liability Limitations
The App is provided “as is,” without guarantees of error-free operation, uninterrupted availability, or fitness for a particular purpose.
The Provider is not liable for indirect losses, lost profits, moral damages, or consequential damages from using the App.
Events beyond reasonable control—force majeure, government actions, or third-party failures—exclude the Provider's liability.
In any case, the Provider's total liability is limited to the fees paid by the User in the 12 months preceding the event.
12. Financial Risk Disclaimer
Transactions with financial assets and cryptoassets involve volatility and risks of market, liquidity, credit, counterparty, technology, and regulation.
The User affirms understanding these risks and acting on their own account, acknowledging the Provider does not offer financial, legal, tax, or investment advice.
13. Communications and Notices
Official communications will be sent through the App, registered email, SMS, or push notifications.
The User must keep contact channels up to date; communications are deemed received on the send date.
14. Suspension and Termination
The User may close the account upon request, subject to pending obligations and operational timelines.
The Provider may suspend or terminate accounts for breach of these Terms, legal orders, prolonged inactivity, or identified risk.
Termination does not waive prior obligations, including financial settlement and record retention as required by law.
15. Intellectual Property
All App content—code, trademarks, layout, algorithms—belongs to the Provider or licensors. Reproduction, reverse engineering, or misuse without express authorization is prohibited.
16. Assignment and Subcontracting
The Provider may assign rights and obligations to group companies or authorized third parties, remaining responsible to the User.
The User may not assign or transfer their account without the Provider's prior express consent.
17. Governing Law and Venue
Brazilian law applies, including regulations from the Central Bank of Brazil, CVM, and other competent bodies.
The courts of São Paulo, SP are chosen to settle disputes, unless specific jurisdiction or a different agreement applies.
18. General Provisions
Any tolerance of noncompliance does not imply waiver or novation of rights.
If any clause is deemed invalid, the remaining provisions stay effective.
These Terms replace previous versions and take effect from the latest recorded update in the App.