Terms of Service

1. Introduction

Welcome to the Terms of Service of Chave da Liberdade Empreendimentos e Marketing Digital Ltda. (“the Company,” “we,” “our,” or “us”).

These Terms of Service govern your access to and use of the Company’s websites, software applications, digital products, educational resources, online services, memberships, e-commerce platforms, marketplaces, and other products or services operated by the Company.

By accessing, browsing, purchasing, downloading, registering for, or otherwise using any of our websites, products, software applications, or services, you agree to be legally bound by these Terms of Service.

If you do not agree with any provision of these Terms of Service, you must discontinue the use of our websites, products, software applications, and services.

These Terms of Service should be read together with our Privacy Policy, Cookie Policy, Copyright & Intellectual Property Notice, Disclaimer, and any additional policies or agreements that may apply to specific websites, products, software applications, or services operated by the Company.

2. Acceptance of These Terms

By accessing, browsing, purchasing, downloading, registering for, or otherwise using any website, software application, digital product, educational resource, membership, online service, or other offering operated by the Company, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

If you are using our websites, products, or services on behalf of a business, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms of Service. In such cases, references to “you” include both the individual user and the applicable legal entity.

If you do not agree to these Terms of Service, you must not access or use our websites, products, software applications, or services.

Your continued use of our websites, products, software applications, or services constitutes your ongoing acceptance of these Terms of Service, including any future updates made in accordance with the provisions of this document.

3. Who We Are

Chave da Liberdade Empreendimentos e Marketing Digital Ltda. is a Brazilian company dedicated to developing, operating, and managing brands, websites, software applications, digital products, educational resources, e-commerce businesses, and other digital assets for customers worldwide.

The Company develops and operates a growing portfolio of brands, websites, software applications, educational resources, digital products, online services, and digital businesses serving multiple industries.

Our business activities include digital publishing, educational content development, software development, digital product creation, e-commerce, online education, intellectual property development, digital asset management, and other business activities designed to create long-term value for customers, partners, and the Company’s brands.

Depending on the specific website, product, software application, or service you access, Chave da Liberdade Empreendimentos e Marketing Digital Ltda. is the contracting party responsible for providing the applicable products or services under these Terms of Service.

4. Scope of These Terms

These Terms of Service apply to all websites, software applications, digital products, educational resources, online services, memberships, e-commerce platforms, digital marketplaces, newsletters, mobile applications, and other digital platforms owned or operated by Chave da Liberdade Empreendimentos e Marketing Digital Ltda., unless separate terms and conditions are expressly provided for a specific product or service.

These Terms of Service also apply to the Company’s current and future brands, websites, digital businesses, products, software applications, educational resources, and online services, unless otherwise expressly stated.

As the Company’s business evolves, we may develop, acquire, license, operate, discontinue, or transfer brands, websites, products, software applications, digital assets, and other business activities. These Terms of Service are intended to apply to those operations unless separate terms are expressly provided.

If a specific website, software application, product, service, or marketplace operated by the Company publishes its own terms and conditions, those specific terms will govern that particular offering to the extent of any inconsistency with these Terms of Service.

Nothing in these Terms of Service limits the application of additional agreements, licenses, purchase terms, subscription terms, or other contractual conditions that may apply to specific products, services, software applications, memberships, or commercial relationships with the Company.

5. Eligibility

To access or use our websites, software applications, digital products, educational resources, online services, memberships, or other offerings, you must have the legal capacity to enter into a binding agreement under the laws applicable to your jurisdiction.

If you are under the age required to enter into a legally binding agreement in your country or jurisdiction, you may use our websites, products, or services only with the involvement and supervision of a parent, legal guardian, or other legally authorized representative, where permitted by applicable law.

By using our websites, products, software applications, or services, you represent and warrant that:

You have the legal capacity to accept these Terms of Service.
All information you provide to the Company is accurate, complete, and current.
Your use of our websites, products, and services complies with all applicable laws and regulations.
You will not use our websites, products, or services for any unlawful, fraudulent, abusive, or unauthorized purpose.

The Company reserves the right to refuse access to, suspend, or terminate the use of its websites, products, software applications, or services if we reasonably believe that these eligibility requirements are not satisfied or that continued access would violate these Terms of Service or applicable law.

6. User Accounts

Certain websites, software applications, memberships, online services, or digital products operated by the Company may require you to create a user account in order to access specific features, content, or services.

When creating an account, you agree to provide accurate, complete, and current information and to keep that information updated whenever necessary.

You are responsible for maintaining the confidentiality of your account credentials, including your username and password, and for all activities that occur under your account.

You agree to notify the Company promptly if you become aware of any unauthorized access to your account, unauthorized use of your credentials, or any other security incident involving your account.

The Company is not responsible for any loss or damage resulting from your failure to maintain the security of your account credentials or from unauthorized access caused by your actions or omissions.

We reserve the right to suspend, restrict, or terminate user accounts, or require additional identity verification, where reasonably necessary to protect our users, our business operations, the security of our platforms, or to comply with applicable law.

You may close your account at any time by following the procedures made available through the applicable website, product, or service, or by contacting us using the contact information provided in these Terms of Service.

The closure of an account does not automatically terminate any contractual obligations, payment obligations, licenses, subscriptions, or other rights and responsibilities that survive the termination of your account.

7. Products, Services and Digital Content

Chave da Liberdade Empreendimentos e Marketing Digital Ltda. develops, operates, and provides a variety of digital products, educational resources, software applications, online services, and other business offerings through its websites, brands, and digital platforms.

Depending on the specific website, product, or service, our offerings may include:

Educational articles and publications.
Digital products and digital downloads.
E-books and printed books.
Guided journals, workbooks, planners, and printable educational resources.
Software applications and mini applications.
Interactive tools and calculators.
Online courses and educational programs.
Memberships and subscription-based services.
E-commerce products and online marketplace offerings.
Newsletters and educational communications.
Website-based services and digital platforms.
Other products, services, and digital content developed or operated by the Company.

We continuously develop, improve, modify, expand, suspend, or discontinue products, services, features, functionality, and content as part of our ongoing business activities.

The availability of any product, service, feature, or content may vary depending on the applicable website, country, language, legal requirements, technical limitations, licensing arrangements, or other business considerations.

The Company reserves the right, at its sole discretion and without prior notice where permitted by applicable law, to modify, suspend, discontinue, replace, or update any product, service, software application, feature, digital content, or functionality.

Nothing in these Terms of Service shall be interpreted as creating an obligation for the Company to continue offering any specific product, service, feature, or digital content for any particular period of time unless expressly agreed in a separate written agreement.

8. Purchases, Payments and Digital Products

Certain products, software applications, memberships, subscriptions, educational resources, digital downloads, online courses, and other services offered by the Company may require payment before access is granted.

By purchasing any product or service from the Company, you agree to provide accurate, complete, and current payment and billing information and authorize the Company or its authorized payment service providers to process the applicable charges.

Prices, product descriptions, features, availability, promotional offers, and payment methods may change at any time without prior notice, except where otherwise required by applicable law.

Unless expressly stated otherwise, all purchases are subject to the pricing, payment terms, licensing conditions, and refund policies applicable to the specific product, service, software application, membership, or subscription at the time of purchase.

Digital products, software applications, memberships, subscriptions, educational resources, downloadable content, and other electronically delivered products may be subject to additional license terms, usage restrictions, or product-specific agreements.

Where purchases are made through third-party platforms, online marketplaces, app stores, payment processors, or other external services, the applicable terms, payment conditions, refund policies, and transaction procedures of those third parties may also apply.

The Company reserves the right to refuse, cancel, suspend, or limit any order or transaction where reasonably necessary to prevent fraud, comply with legal obligations, protect the security of our business operations, correct pricing or technical errors, or enforce these Terms of Service.

Unless otherwise required by applicable law or expressly stated in a separate written policy or product-specific agreement, purchases of digital products, downloadable content, software applications, memberships, subscriptions, and online services are generally non-refundable after access has been granted or delivery has occurred.

Nothing in this section limits any mandatory consumer rights or statutory protections that cannot be excluded or limited under the applicable laws of your jurisdiction.

9. Intellectual Property

All intellectual property rights associated with the Company’s websites, software applications, digital products, educational resources, publications, online services, brands, and other business activities are owned by or licensed to Chave da Liberdade Empreendimentos e Marketing Digital Ltda., unless otherwise expressly stated.

These intellectual property rights include, but are not limited to, copyrights, trademarks, service marks, trade dress, logos, brand names, domain names, software, source code, databases, educational materials, digital publications, written content, graphics, photographs, videos, audio content, user interfaces, business methodologies, digital assets, and other original works protected by applicable intellectual property laws.

Your use of our websites, products, software applications, or services does not transfer any ownership or intellectual property rights to you.

Except as expressly permitted by applicable law or authorized in writing by the Company, you may not copy, reproduce, distribute, modify, publish, transmit, create derivative works from, commercially exploit, reverse engineer, or otherwise use any of the Company’s intellectual property beyond the limited rights expressly granted under these Terms of Service.

Additional information regarding the ownership, protection, permitted use, prohibited use, trademarks, licensing, and enforcement of the Company’s intellectual property is available in our Copyright & Intellectual Property Notice, which forms an integral part of these Terms of Service.

Any unauthorized use of the Company’s intellectual property may result in the suspension or termination of access to our products or services, legal action, and any other remedies available under applicable law.

10. Acceptable Use

You agree to use the Company’s websites, software applications, digital products, educational resources, online services, memberships, and other offerings only for lawful purposes and in accordance with these Terms of Service.

When using our websites, products, or services, you agree that you will not:

Violate any applicable law, regulation, or legal obligation.
Use our websites, products, or services for any unlawful, fraudulent, deceptive, or harmful purpose.
Interfere with, disrupt, damage, or compromise the security, functionality, or availability of our websites, software applications, servers, or digital services.
Attempt to gain unauthorized access to any system, network, account, database, or restricted area operated by the Company.
Introduce viruses, malware, ransomware, malicious code, or other harmful technologies into our systems or services.
Use automated tools, bots, crawlers, scrapers, artificial intelligence systems, or similar technologies to access, collect, extract, copy, monitor, or republish content from our websites or services without our prior written authorization.
Circumvent, disable, or interfere with any security measures, authentication mechanisms, access controls, or technical protections implemented by the Company.
Misrepresent your identity, impersonate another individual or organization, or falsely suggest any affiliation with or endorsement by the Company.
Use our websites, products, or services in a manner that infringes the rights of the Company or any third party, including intellectual property, privacy, contractual, or other legal rights.
Engage in any activity that could reasonably be expected to impair the performance, integrity, security, or reputation of the Company’s business, websites, products, or services.

The Company reserves the right to investigate suspected violations of these Terms of Service and to take any action it considers appropriate, including restricting or terminating access to its websites, products, software applications, or services, reporting unlawful activities to the appropriate authorities, and pursuing any other remedies available under applicable law.

11. Educational Content

The Company’s websites, software applications, digital products, educational resources, publications, online courses, memberships, newsletters, and other content are developed and provided primarily for educational and informational purposes.

Our content is intended to help individuals learn, better understand specific topics, develop practical skills, and make more informed decisions. The educational materials we provide are designed to support learning and personal development across the various subject areas covered by our brands.

Although we strive to provide accurate, well-researched, and up-to-date information, educational content may not reflect the most recent legal, financial, medical, technological, scientific, or regulatory developments. Information may also vary depending on individual circumstances, geographic location, or changes in applicable laws and professional standards.

The Company makes reasonable efforts to review and update its educational content when appropriate. However, we do not guarantee that all information will always be complete, accurate, current, or applicable to every individual situation.

Users are responsible for evaluating the relevance and suitability of any educational content before relying upon it or making personal, financial, legal, medical, business, or other decisions.

The use of our educational resources is entirely voluntary and remains the responsibility of each individual user.

12. No Professional Advice

The Company’s websites, software applications, digital products, publications, online courses, memberships, newsletters, interactive tools, calculators, and other educational materials, memberships, newsletters, interactive tools, calculators, and other content are provided solely for educational and informational purposes.

Nothing made available by the Company should be interpreted as financial, investment, legal, tax, accounting, medical, psychological, therapeutic, or other professional advice.

The Company does not provide licensed professional services through its websites, products, software applications, or educational materials unless expressly stated in writing for a specific service.

Any decisions you make based on information provided by the Company are made at your own discretion and responsibility. Before making financial, legal, medical, business, or other significant decisions, you should consult an appropriately qualified professional who is familiar with your individual circumstances.

The Company makes no representation or guarantee that the use of its educational content, software applications, digital products, or other resources will produce any specific financial, business, health, educational, or personal outcome.

Individual results vary depending on numerous factors beyond the Company’s control, including personal circumstances, experience, implementation, external conditions, and individual decision-making.

Nothing contained in our websites, products, software applications, educational resources, or services creates a professional-client relationship between you and the Company.

Any examples, illustrations, case studies, scenarios, calculations, estimates, simulations, or demonstrations presented in our websites, software applications, educational resources, or digital products are provided solely for illustrative and educational purposes and should not be interpreted as guarantees, predictions, or individualized recommendations.

13. Third-Party Services

Our websites, software applications, digital products, online services, and other business offerings may include, integrate with, or rely upon third-party services, platforms, technologies, products, or content to support certain features or business activities.

These third-party services may include, without limitation:

Payment processors.
E-commerce and marketplace platforms.
Website hosting and cloud infrastructure providers.
Analytics and performance monitoring services.
Customer communication and email service providers.
Authentication and identity verification services.
Social media platforms.
Software integrations and application programming interfaces (APIs).
Content delivery services.
Other technology providers or business partners.

The availability, functionality, performance, and security of third-party services are subject to the terms, policies, and operational practices of the respective third-party providers.

The Company does not own or control independent third-party services and is not responsible for their availability, performance, security, content, policies, business practices, or any loss or damage arising from your use of such services.

Your use of third-party services may be subject to separate terms of service, privacy policies, license agreements, or other contractual conditions established by the applicable third-party provider.

We encourage you to review the applicable terms, privacy policies, and other legal documents of any third-party service before using it or providing personal information.

Nothing in these Terms of Service shall be interpreted as creating a partnership, agency, joint venture, employment relationship, endorsement, or guarantee between the Company and any third-party provider unless expressly stated in writing.

14. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Company’s websites, software applications, digital products, educational resources, online services, memberships, and other offerings are provided on an “as is” and “as available” basis.

While the Company makes reasonable efforts to develop, maintain, and improve its websites, products, software applications, or services, we do not represent or warrant that:

Our websites or services will always be available, uninterrupted, secure, or error-free.
Any defects, errors, or technical issues will be corrected immediately or without delay.
Our websites, software applications, servers, or digital services will always be free from viruses, malware, or other harmful components.
Our products, educational resources, software applications, or services will meet every user’s individual expectations, requirements, or intended purposes.
Any information, educational content, calculations, recommendations, estimates, or other materials provided by the Company will always be complete, accurate, current, or suitable for every individual circumstance.

The Company may temporarily suspend, modify, restrict, or discontinue access to any website, product, software application, feature, or service for maintenance, security, operational improvements, legal compliance, or other legitimate business reasons.

Except as expressly stated in a separate written agreement, the Company disclaims all warranties, representations, and conditions of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, or uninterrupted availability, to the extent permitted by applicable law.

Nothing in this section limits any warranties or rights that cannot lawfully be excluded or limited under the mandatory consumer protection laws applicable to your jurisdiction.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Chave da Liberdade Empreendimentos e Marketing Digital Ltda., its affiliates, brands, directors, officers, employees, contractors, licensors, service providers, and business partners shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your access to or use of our websites, software applications, digital products, educational resources, online services, memberships, or other business offerings.

This limitation of liability applies regardless of whether the alleged damages arise from contract, tort (including negligence), strict liability, statute, or any other legal theory, even if the Company has been advised of the possibility of such damages.

To the fullest extent permitted by applicable law, the Company shall not be responsible for any loss or damage resulting from, including but not limited to:

Your reliance on educational or informational content.
Decisions made based on our products, software applications, calculators, interactive tools, or educational resources.
Business interruptions or service outages.
Loss of revenue, profits, savings, business opportunities, goodwill, or reputation.
Loss, corruption, or unavailability of data.
Technical failures, system interruptions, software errors, or compatibility issues.
Unauthorized access to user accounts resulting from circumstances beyond the Company’s reasonable control.
Actions, omissions, or services provided by independent third parties.
Delays, interruptions, or failures caused by events beyond the Company’s reasonable control, including force majeure events.

Where liability cannot be excluded under applicable law, the Company’s liability shall be limited to the maximum extent permitted by such law.

In jurisdictions where limitations of liability are permitted, the Company’s total aggregate liability arising out of or relating to your use of the websites, products, software applications, or services shall not exceed the amount you paid to the Company for the specific product or service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to the liability, unless otherwise required by applicable law.

Nothing in these Terms of Service excludes or limits liability that cannot lawfully be excluded or limited under the mandatory laws applicable to your jurisdiction, including applicable consumer protection legislation.

16. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Chave da Liberdade Empreendimentos e Marketing Digital Ltda., its affiliates, brands, directors, officers, employees, contractors, licensors, service providers, and business partners from and against any claims, demands, actions, proceedings, liabilities, damages, judgments, losses, costs, expenses, or reasonable legal fees arising out of or relating to:

Your violation of these Terms of Service.
Your misuse of the Company’s websites, software applications, digital products, educational resources, online services, or other business offerings.
Your violation of any applicable law, regulation, or legal obligation.
Your infringement of the intellectual property, privacy, contractual, or other legal rights of the Company or any third party.
Any content, information, or materials that you submit, upload, transmit, publish, or otherwise make available through the Company’s websites or services, where applicable.
Any fraudulent, unlawful, negligent, or intentionally harmful acts or omissions committed by you in connection with the use of our websites, products, or services.

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such cases, you agree to cooperate fully with the Company in the defense of such matter.

Nothing in this section shall be interpreted as requiring you to indemnify the Company to the extent such obligation is prohibited or limited under the mandatory laws applicable to your jurisdiction.

17. Suspension and Termination

The Company reserves the right, at its sole discretion and to the fullest extent permitted by applicable law, to suspend, restrict, or terminate your access to any website, software application, digital product, membership, online service, user account, or other offering operated by the Company if we reasonably believe that:

You have violated these Terms of Service or any other applicable Company policy.
Your use of our websites, products, or services is unlawful, fraudulent, abusive, or harmful.
Your actions may compromise the security, integrity, availability, or proper operation of our websites, software applications, or digital services.
Suspension or termination is necessary to comply with applicable law, legal process, governmental requests, or regulatory obligations.
Continued access may expose the Company, its users, business partners, or third parties to unreasonable legal, operational, financial, or security risks.

Where reasonably practicable, we may provide notice before suspending or terminating access. However, we reserve the right to take immediate action without prior notice where necessary to protect our users, business operations, security, intellectual property, or legal rights.

Termination or suspension of access does not affect any rights, obligations, licenses, payment responsibilities, intellectual property rights, limitations of liability, indemnification obligations, or other provisions of these Terms of Service that are intended to survive termination.

You may discontinue your use of our websites, products, or services at any time. However, termination of your access or discontinuation of use does not automatically cancel subscriptions, payment obligations, or other contractual commitments unless expressly provided by the applicable product terms or required by applicable law.

18. Changes to These Terms

The Company may update these Terms of Service from time to time to reflect changes in our business activities, products, services, software applications, technologies, legal requirements, or operational practices.

When material changes are made, we will publish the updated version on this page and revise the Last Updated date accordingly. Where required by applicable law, we may also provide additional notice through our websites, email communications, user accounts, or other appropriate communication channels.

Your continued access to or use of our websites, products, software applications, or services, or other business offerings after revised Terms of Service become effective constitutes your acceptance of the updated Terms, to the extent permitted by applicable law.

If you do not agree with the revised Terms of Service, you should discontinue your use of the applicable websites, products, software applications, or services.

We encourage you to review these Terms of Service periodically to remain informed about your rights and responsibilities when using the Company’s websites, products, and services.

19. Governing Law

These Terms of Service shall be governed by and interpreted in accordance with the laws applicable to the business operations of Chave da Liberdade Empreendimentos e Marketing Digital Ltda., without prejudice to any mandatory consumer protection, privacy, or other legal rights that cannot be excluded or limited under the applicable laws of your country or jurisdiction.

To the extent permitted by applicable law, any dispute arising out of or relating to these Terms of Service or your use of the Company’s websites, software applications, digital products, educational resources, or services shall, to the extent permitted by applicable law, be submitted to the competent courts having jurisdiction over the Company’s principal place of business operations, unless otherwise required by mandatory law.

Nothing in these Terms of Service shall be interpreted as excluding, restricting, or limiting any rights or legal protections that cannot lawfully be waived under applicable law.

20. Contact Us

If you have any questions, comments, or requests regarding these Terms of Service, or if you need assistance concerning any of the Company’s websites, products, software applications, educational resources, or services, please contact us:

Chave da Liberdade Empreendimentos e Marketing Digital Ltda.

Email:
contact@chavedaliberdade.com

We will make reasonable efforts to review and respond to legitimate inquiries as promptly as reasonably possible.

Effective Date: August 4, 2026

Last Updated: August 4, 2026

These Terms of Service should be read together with our Privacy Policy, Cookie Policy, Copyright & Intellectual Property Notice, Disclaimer, Accessibility Statement, and any additional legal notices or product-specific agreements published by the Company.